Executive Summary

Key insights and market outlook

The Indonesian general insurance industry recorded Rp84.72 trillion in premium income during Q3 2025, representing a 6.3% year-on-year growth ¹

. Property insurance led with Rp24.75 trillion, while health insurance grew 15.1% YoY to Rp8.04 trillion. Despite some segments declining, the industry posted a profit of Rp11.51 trillion after tax, reversing from a loss of Rp1.71 trillion in the same period last year.

Full Analysis

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Deep Dive Analysis

Indonesian General Insurance Industry Posts Strong Q3 2025 Performance

Premium Income Reaches Rp84.72 Trillion

The Indonesian general insurance industry achieved significant growth in Q3 2025, with total premium income reaching Rp84.72 trillion, representing a 6.3% year-on-year increase ¹

. This growth was driven by several key business lines, including property insurance, credit insurance, and health insurance.

Business Line Performance

Property Insurance: Recorded Rp24.75 trillion in premiums, growing 5.4% YoY
Health Insurance: Achieved Rp8.04 trillion, showing strong growth of 15.1% YoY
Credit Insurance: Reached Rp13.54 trillion, growing 10.4% YoY
Motor Vehicle Insurance: Declined 4% to Rp14.11 trillion due to automotive industry slowdown

Industry Profitability

The general insurance industry demonstrated remarkable improvement in profitability, posting a profit after tax of Rp11.51 trillion in Q3 2025. This represents a significant turnaround from the Rp1.71 trillion loss recorded in the same period last year ¹

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Market Outlook

Allianz Life Indonesia reported a 12% growth in premium income to Rp13.4 trillion in Q3 2025, driven by strategic distribution channel strengthening and product diversification ²

. The company remains optimistic about maintaining positive premium growth through year-end, supported by increasing public awareness of insurance and regulatory efforts to enhance industry credibility.

References