Indonesian General Insurance Sector Targets Conservative Growth in 2026

Industry Outlook and Challenges

The Indonesian general insurance industry is entering 2026 with cautious optimism, setting conservative premium growth targets due to increasing risk complexity. PT Asuransi Digital Bersama Tbk (YOII), a prominent player in the sector, is adopting a moderate and sustainable growth strategy while prioritizing quality and prudence.

Company-Specific Targets and Strategies

YOII's Corporate Secretary, Rahmat Dwiyanto, stated that the company is focusing on strengthening business fundamentals to achieve positive premium growth compared to 2025. The strategy includes maintaining a balance between growth and risk management, reflecting a cautious approach to market expansion.

Market Implications

The conservative growth target reflects the industry's awareness of potential risks and challenges. By prioritizing quality growth and prudence, general insurance companies in Indonesia are positioning themselves for long-term stability in an increasingly complex market environment.