2020年印尼保险与保险技术市场概况（英文版）（21页）.pdf

1、Market Overview of Insurance & Insurtech in Indonesia Kiki Ahmadi Author - Kiki Ahmadi 11-years experience in telco and digital industry in Indonesia. Bachelor degree in Information System - ITS Surabaya. Msc in Innovation Management - University of Manchester. LPDP Awardee - PK 63. Currently AVP Bu

2、siness Development in Amartha. Formerly in Corporate Strategy XL Axiata and Billing Engineer Celcom Axiata Email : - Blog : - Linkedin : Indonesia Insurance Industry Overview Gross written premium increase 2x in the last fi ve years. However growth slowed down this year. Only 2% percent of Indonesia

3、n population are policy holders. BPJS however claimed to cover 74% of population 20102015 125 295 2018 433 Est 2019 456 GWP in IDR Tn Life insurance contributes majority of total insurance market premium 2017 393 2.24 % 2.77 % 20142018 Insurance Penetration Policy Holder vs Population BPJS Policy Ho

4、lders (in Mio) 156 171 133 201420152016 Digital insurance and insurtech startups are on the rise following fi ntech trends Life InsuranceGeneral Insurance Term-life Whole-life Unitlink Endowment 83% Auto-Insurance Property Personal Accident Travel Aviation 16% Key Players Company Premiums (in IDR Tn

5、)4.14.13.32.52.3 Primary Products Property & Corporate Health Insurance Large Industry insurance (Marine, Energy, Aviation) Auto-insurance Oil & Gas Industry Insurance Auto & Property Insurance Company Premiums (in IDR Tn) 281110109 Primary Products Investment-link product (Unit Link)n/a Life Insura

6、nce Data from 2015 - KPMG Report General Insurance Offl ine agents are still primary distribution channel Agents (50%) Bancassurance (30%) Online Channel and Others (20%) Percentage of channel distribution in Indonesia insurance industry (% of total industry GWP) Insurance is still an offl ine servi