OJK Reveals Health Insurance Trends in Life and General Insurance Sectors

Premium and Claim Performance

The Financial Services Authority (OJK) has released data on premium income and claims for health insurance in both life and general insurance industries as of September 2025. In the life insurance sector, premium income from health insurance lines reached Rp26.29 trillion, representing 19.79% of total life insurance premiums. The claims paid out for health insurance in life insurance amounted to Rp17.54 trillion, accounting for 15.89% of total life insurance claims.

For the general insurance industry, premium income from health insurance lines was recorded at Rp8.43 trillion, equivalent to 7.43% of total general insurance premiums. Claims for health insurance in general insurance stood at Rp6.68 trillion, or 13.50% of total general insurance claims.

Digital Channel Growth

Ogi Prastomiyono, Head of PPDP OJK, highlighted that premiums collected through digital channels now constitute 2.87% of the industry's total premiums. This figure encompasses not just health insurance but all business lines across the insurance industry. According to Ogi, this demonstrates a consistent growth trend, indicating positive potential for digital channels in the coming years.

Industry Outlook and Challenges

While noting that the financial sector remains resilient, Ogi pointed out that the economic slowdown in Q3 2025 could potentially impact insurance premium growth in both life and general insurance segments. To counter this, he suggested that the industry could enhance performance through product diversification, digitalization of services, increased consumer trust, and regulatory compliance to create a more robust and sustainable industry.

Looking ahead to 2026, Ogi remains cautiously optimistic about the insurance industry's outlook, citing factors such as economic recovery prospects, macroeconomic stability, and increasing public awareness about the importance of insurance coverage. However, he also noted upcoming challenges, including the deadline for the spin-off of insurance UUS and the fulfillment of stage 1 equity requirements, which will be crucial for strengthening corporate governance and financial health.