Insurance For Indonesia – Health insurance is one of the most important aspects of protection against unexpected medical expenses. However, since mid -2024 it has been found that the population of Indonesia has not yet been found in the health insurance.

So, what about 2025? Has the rate of Indonesians with health insurance increased, or many of them stop it?

Insurance For Indonesia

The above chart shows that 28% of Indonesia’s population is not under health insurance. This percentage rose from 27.8% [1] from 2024 to 28% by 2025. The total percentage from 2025 data is now (12%) from those who have not signed health insurance (16%) and once.

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Meanwhile, 72% of the Indonesians currently included in health insurance show high adoption among medium and high socio -economic status (SES).

“Of those who have never signed up for health insurance, some Indonesians have said that the reasons for avoiding it are the main reason why many of them do not understand how many of them do not understand how the service operates.”

Also, on the other hand, the main reason is the lack of understanding and the rest are not interested in obtaining health insurance for these things.

In the meantime, the most common reasons for those who have previously had health insurance:

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In harmony with the Indonesian government, citizens must join national health insurance, and the study found that the type of health insurance that the Indonesians relied on is primarily dependent on national health insurance. This will help you protect yourself from the losses caused by property damage and responsible claims.

Employee errors, natural disasters, theft, fire and other risks are threatening all businesses. As a result, it helps to maintain the business continuity by providing protection for losses caused by business insurance.

Any loss is under business insurance. Business insurance covers the employer in the event of an event, otherwise the losses may occur. The losses caused by employees’ negligence are one of the losses covered by Indonesian business insurance. As per insurance rules, businesses must refund the company to its original position.

Insurance For Indonesia

Business insurance allows the owners to spend more time to run their business because it provides protection to the owner in the event of losses.

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Employee safety is guaranteed by business insurance that protects you from the effects of workplace accidents and other disasters. In addition, employees who know that they are involved in safety and health will have more peace of mind and, as a result, they will produce more.

Business insurance is usually an important feature of protecting the long -term reliability of a company. This is because the insurance company benefits employees. Insured employees are also the best workers. This means that the company will produce more.

Fun Fact: Some countries need business insurance. Those who do not have business insurance are forbidden to conduct their business in those countries.

Employees need employers by Indonesian labor regulations to provide health insurance to protect employees from their work during their work. As a result, businesses must provide health insurance to provide health insurance to their employees.

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Under the laws of Indonesian companies, life insurance is not required. However, I recommend it very much. Companies can make arrangements with employees to stop the entire set of their employees from their employees’ annual salary.

If only the employee in the family he works, this type of insurance reduces the financial burden on the family. In this case, the beneficiaries are not subject to excessive inconvenience.

Employee compensation insurance provides protection for the general well -being of the employee. According to Indonesia’s Human Resources Ministry, employees must be under compensation insurance in the event of an accident.

Insurance For Indonesia

Therefore, employees are under accountable insurance for the losses caused by a certain claim. This also ensures that your employer will be offset if there is an accident that causes damage to your property.

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In addition, property insurance protects your business equipment, freight and other assets in the event of a fire, theft or storm. On the other hand, Indonesia’s standard asset insurance does not compensate for mass diagnostics such as earthquakes and floods. The insurance company will provide such cases on a case basis.

However, every country requires vehicle insurance. If an Indonesian company uses a company’s vehicle, the vehicle must be properly insured to protect the company from the responsibility of the accident.

Employers must first determine what kind of protection is needed before applying for business insurance in Indonesia. It is important to contact experts such as famous and reliable agents and brokers to do research on the type of insurance you need before applying.

Once the right type of business insurance is determined, employers should approach the insurance provider who specializes in business insurance. Insurance providers can help anyone to determine which type of insurance is very beneficial under any circumstances.

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Before receiving business insurance, employers need to review the policy details and ask questions that arise. It is also important to buy the largest premiums when your system includes everything that needs to be hidden.

Come to our office for today’s coordination estimates and other corporate secretary services or contact effectively.

The federal government demands that all businesses with employees be under workers’ compensation, unemployment and disabled insurance. Some states require additional insurance. Laws that require insurance differ from the state to the state, so visit the State Website to find your business needs.

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Indonesian personal or business may legally refuse the amount of insurance if the individual or business is involved in illegal business activities. Insurance can be denied insurance from Indonesian insurance companies for businesses with bankruptcy. If the insurance company believes that the company’s business activities are more dangerous, the company may be denied business insurance if employees are exposed to injuries or accidents. If an employer has made a large number of claims in the past, the business owner may be legally denied in Indonesia.

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Business owners can get business insurance in Indonesia, whether at home or abroad. To obtain business insurance foreigners, foreigners must already have three types of business insurance. These are PPJS employment, PPJS Health Insurance and Social Security Programs. Foreigners are always advised to specify their country’s trustworthy insurance companies if they have their own country -related insurance that provides Indonesian insurance policies and Indonesian insurance policies.

Indonesia’s business insurance is cheaper than most Southeast Asian countries. The rate of life insurance in 2017 fell from 17.9% to 15.8% in 2013. Indonesian life insurance is one of the cheapest in the region. 50% of Indonesians have life insurance. If you buy in an area other than property insurance in Indonesia, this is much cheaper than the insurance purchased in urban areas. Therefore, there are many possibilities for profits and business development.

Talk to today’s advisor to clarify your corporate services or read one of the detailed guides below!

To connect a company in Indonesia, you must appoint at least one director and a commissioner. The director manages daily activities and makes important business decisions, while providing the commissioner’s surveillance and ensuring that the company comply with Indonesian laws. Both characters are mandatory for the legal establishment and work together to ensure the uniform operation of the business.

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Directors must be qualified, in some cases, to meet the residency requirements of foreign -owned businesses, especially foreign -owned businesses. The commissioner is not involved in the daily administration, but is responsible for compliance with the company and lead the right management.

When connecting a company in Indonesia, it is necessary to open a corporate bank account. Once joined, you need to deposit the payment capital in this account. Once your company is officially registered, you can start acting as a company. However, there are additional steps to complete.

Your Labor Report and other required documents should be submitted to the Labor Ministry within 30 days. In addition, employees should be included in the Indonesia’s Social Security Program, which includes workplace accidents, pensions, pensions and death concessions. It is also necessary to protect medical care and employee welfare insurance through the Batan Pneelanngara Jaminan Social (PPJS).

Insurance For Indonesia

This Kitas allows foreign workers to live and work in Indonesia. It is funded by the employment agency and is useful for the length of the employment contract.