OJK Strengthens Health Insurance Ecosystem with New Regulations

Enhanced Consumer Protection Measures

The Financial Services Authority (OJK) has issued POJK No. 36/2025 regarding the Strengthening of the Health Insurance Ecosystem, marking a significant regulatory development in Indonesia's insurance sector ¹

Key Provisions of the New Regulation

1. Mandatory Health Insurance Products: Insurance companies are required to offer health insurance products without risk-sharing features ¹
   Source 1

   https://keuangan.kontan.co.id/news/ojk-terbitkan-pojk-ekosistem-asuransi-kesehatan-berlaku-3-bulan-usai-diundangkan
   ²
   Source 2

   https://keuangan.kontan.co.id/news/ojk-mewajibkan-perusahaan-asuransi-sediakan-produk-kesehatan-tanpa-pembagian-risiko
   .
2. Optional Risk-Sharing Products: Companies can still provide health insurance products with risk-sharing features (e.g., co-payment, deductible) if they adhere to prudential principles and meet specific requirements ¹
   Source 1

   https://keuangan.kontan.co.id/news/ojk-terbitkan-pojk-ekosistem-asuransi-kesehatan-berlaku-3-bulan-usai-diundangkan
   .
3. Enhanced Consumer Protection: The regulation aims to improve governance and protection for policyholders in the health insurance sector.

Implementation and Industry Impact

The new regulation demonstrates OJK's commitment to strengthening the health insurance ecosystem. Insurance companies must adapt their product offerings to comply with the new requirements within the given timeframe. This move is expected to enhance consumer trust and promote better industry practices.