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[SITUATION] · [QUIET] · [BUSINESS]
2 clusters · 2 sources · 17 days · First seen · Last updated
Indonesia health insurance regulatory changes
Overview
Indonesia has implemented Financial Services Authority Regulation No. 36 of 2025 (POJK 36/2025) to address rising medical inflation and healthcare costs. The Indonesian Life Insurance Association (AAJI) has endorsed the regulation, noting it will strengthen the national health insurance ecosystem by expanding oversight to include the Ministry of Health, health facilities, BPJS Kesehatan, and professional health associations.
Key changes under the new framework include the introduction of a 5% co-payment cap—set at Rp300,000 for outpatient claims and Rp3 million for inpatient claims—and the replacement of per-event deductibles with an annual deductible. Additionally, insurers are now permitted to review premiums once per year. These measures are intended to promote the responsible use of services while maintaining the affordability and viability of insurance products.
Entities
BPJS Kesehatan · Indonesian Life Insurance Association · Singlife · Financial Services Authority · Asosiasi Asuransi Jiwa Indonesia (AAJI)
Timeline
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19 days ago
[BUSINESS] 2 sourcesInsurance sector faces new regulations and rising recovery costsNew Indonesian insurance rules introduce a 5% co-payment cap to manage medical inflation, while a Singlife study warns that 80% of critical illness survivors deplete retirement savings for recovery costs.
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about 1 month ago
[HEALTH] 2 sourcesIndonesia's AAJI endorses new health insurance regulation POJK 36/2025AAJI supports Indonesia's POJK 36/2025, a health‑insurance regulation adding co‑payment caps and an annual deductible to improve transparency and sustainability.
Sources
asianbusinessreview.com · healthcareasiamagazine.com