JAKARTA - Chief Executive of Insurance Supervisory, Guarantee and Retirement Fund of Financial Services Authority (OJK) Ogi Prastomiyono said that until the end of August 2024, the premium for health insurance from the life insurance sector reached IDR 19.36 trillion, growing 38.35 percent year on year.
In addition, the general insurance sector also recorded growth in health insurance premiums which reached Rp6.61 trillion, an increase of 27 percent year on year (yoy).
"Although premium growth can be quite good, claims in these two sectors are still relatively high and become a major concern for efficiency in various lines, ranging from operations to providing medical services at clinical partners and hospitals," said Ogi in Jakarta, quoted from Antara, Saturday, October 5.
OJK continues to encourage health insurance business players to build digital capabilities, build capabilities to analyze health service data provided to policyholders, and build a Medical Advisory Board (MAB) that will provide input to the Company in encouraging the efficiency of health services.
Digital capabilities are intended so that insurance companies can be connected "real time" with a management information system in hospitals and partner clinics, so that they have sufficient data to analyze the effectiveness and efficiency of medical services and drugs provided by partner hospitals to policyholders or be responsible for and communicate the analysis to partner hospitals on a regular basis (utilization review).
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"This analysis must be supported by a team that has medical expertise and databases to be able to analyze and communicate findings to partner hospitals regularly through the utilization review mechanism," he said.
The existence of the MAB is expected to provide valuable input for companies for quality medical services and drugs at an efficient cost.
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