Indonesian policyholders must pay part of medical insurance claims from 2026
Under the new rules, policyholders will have to pay at least 10% of their total claim or a maximum of 300,000 rupiah ($18.39) for outpatient care and 3 million rupiah ($183.94) for inpatient care.
Indonesia's Financial Services Authority (OJK) said the regulations were a response to a significant increase in insurance claims due to the higher cost of health services. It did not say by how much claims had risen.
The rule was also to prevent moral hazard and overtreatment, OJK added.
"If this continues, we fear the sustainability of the health insurance business could be disrupted," OJK said in a statement this week.
Indonesia's medical insurance industry is dominated by foreign players, including Prudential (PRU.L), opens new tab, Allianz Group (ALVG.DE), opens new tab and AIA Group (1299.HK), opens new tab.
($1 = 16,310.0000 rupiah)
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