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Illustrated portrait of Indonesia; geographic and cultural interpretation, not regulator premises.
← The regulatory atlasCOUNTRY PERSPECTIVE / Indonesia

Integrated financial supervisor

IndonesiaOJK

Insurance supervision in Indonesia.

AI-generated country illustrationSources checked

01 / The institution

Otoritas Jasa Keuangan

OJK publishes the insurance-business framework within its non-bank financial-services legislation. The original act must be read with subsequent amendments and regulations.

How it is structured

Integrated financial supervisor

Institutional source ↗

The legal foundations

Mandate, written into law.

Establishing legislation and the rules governing insurance may be different instruments.

02 / Market signals

The numbers, with context.

Figures retain the reporting period and accounting basis of their source. They are snapshots, not live indicators or directly comparable country rankings.

2025IDR 150.74tn

General and reinsurance premiums

Includes reinsurance; not direct non-life alone.

Insurance paragraph ↗

Insurance penetration. A current premium-to-GDP ratio has not been independently verified for this profile. No estimate is substituted.

03 / The report notebook

A dated view of the market.

What we noted in the regulator’s publications. Each entry separates the period covered, publication date when known, and our review date.

ReviewedNOTE 01

2025 · Published

Insurance, Guarantee and Pension Fund Industry Update — December 2025 ↗

OJK’s complete December industry update was read. Premiums are year-to-date; general insurance includes reinsurance. Pension and guarantee figures are excluded.

Life risk-based capital ratio

485.90%

General insurance and reinsurance stood at 335.22%; both exceeded the 120% regulatory threshold.

Insurance, Guarantee and Pension Fund Industry Update — December 2025Insurance paragraph · Country illustration
Read the original publication ↗

04 / Official contacts

Reach the institution.

Public institutional channels, checked 17 September 2026.

Research trail

Sources you can follow.

Independent editorial research by Insurers Global. Source dates do not certify that a law includes every subsequent amendment.

  1. Law of Republic Indonesia on Insurance ↗Checked
  2. Institutional website — contact route ↗Checked
  3. Insurance, Guarantee and Pension Fund Industry Update — December 2025 ↗Checked

Country scenes are AI-generated illustrations made with OpenAI image tools, not official regulator photographs or endorsements. Quotations remain searchable text. Report figures and directory verification are maintained separately.