Sumatra Flood Insurance Claims Reach Rp567.02 Billion

Overview of Insurance Claims

The recent floods in Sumatra have resulted in significant insurance claims, with the Indonesian General Insurance Association (AAUI) estimating total claims at Rp567.02 billion ¹

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Source 2

https://finansial.bisnis.com/read/20251215/215/1936936/aaui-estimasi-klaim-asuransi-properti-kendaraan-rp567-miliar-imbas-bencana-aceh-sumatra

. This figure is derived from preliminary reports submitted by 39 member insurance companies. The claims are primarily categorized into property insurance and vehicle insurance, with estimated values of Rp492.52 billion and Rp74.49 billion, respectively ¹

Source 1

https://keuangan.kontan.co.id/news/aaui-estimasi-nilai-klaim-akibat-bencana-banjir-sumatra-rp-56702-miliar

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Details of Insurance Coverage

AAUI Chairman Budi Herawan explained that the insurance coverage for flood risks is typically included in property insurance policies through an extended coverage clause known as Clause 43 A. This clause covers damages resulting from floods, storms, and water-related damages. Budi emphasized that the estimated claim amount is dynamic and may evolve as the reporting and field survey processes continue ¹

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Application of the 72-Hour Clause

Budi also highlighted the importance of the 72-hour clause in insurance policies. This clause considers multiple loss events occurring within a 72-hour window as a single event for claims purposes. This provision is crucial for providing certainty in the claims handling process, particularly for disasters that occur in close succession ²

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Context: Sumatra Flood Disaster

The floods in Sumatra have caused significant human and material losses. According to the National Disaster Management Agency (BNPB), as of December 14, 2025, the death toll had reached 1,016, with 212 reported missing ²

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