JAKARTA - Changes in lifestyle, increased risk of critical illness, and rising health service costs make health protection one of the most important needs for the Indonesian people.
In recent years, the trend of health insurance claims has shown an increase reflecting the increasing need of the community for financial protection when facing health risks.
Industry data shows that the cost of treatment for critical illnesses such as heart disease, cancer, and stroke continues to be a challenge for many families.
These diseases generally require complex medical treatment, ranging from diagnostic examinations, medical procedures, hospitalization, rehabilitation, to long-term health monitoring. This condition not only impacts the patient's health, but can also affect the family's economic stability.
Based on data from the Indonesian Life Insurance Association (AAJI), the value of health claims in the life insurance industry reached IDR 26.74 trillion throughout 2025, an increase of 9.1 percent compared to the previous year. The increase shows that health risks are one of the factors that need to be anticipated through adequate financial planning and protection.
A similar phenomenon was also seen in the payment of claims made by PT MSIG Life Insurance Indonesia Tbk (MSIG Life). Throughout January to March 2026, the company paid health and death claims of IDR 227.29 billion to more than 8,000 beneficiaries. This value increased by 3.2 percent compared to the same period in the previous year.
From the composition of claims paid, heart disease, cancer, and stroke are the most frequently filed health conditions. Interestingly, the majority of beneficiaries come from the productive age group of 20 to 55 years which covers about 65.5 percent of the total insured claim recipients.
This age group is generally still active at work and plays a role as the main source of family income, so that health disorders can have a significant financial impact.
According to Elly Susanti, Director and Chief Operating IT Officer of MSIG Life, the increase in claim payments shows the importance of the insurance protection function in helping people face life risks.
"Throughout the first quarter of 2026, we will pay an average of more than Rp75 billion every month to customers and families who face health risks and loss of breadwinners," said Elly Susanti, from MSIG Life's official statement.
"This figure shows that insurance protection must really work when needed. We are committed to paying every claim that meets the terms of the policy, while upholding business ethics and the principle of utmost good faith," he continued.
Critical illness is one of the health risks that can have long-term economic impacts. In addition to high treatment costs, patients often require a long recovery period so that they have the potential to reduce their ability to work and generate income.
Therefore, health protection planning is an important part of family financial strategies. The presence of health insurance can help reduce financial pressure due to unexpected medical costs, so that families can focus more on the healing and recovery process.
In the midst of increasing health protection needs, insurance companies continue to present various product innovations that not only provide benefits when risks occur, but also encourage people to maintain their health.
One example is Smile Health Prime from MSIG Life which is designed to provide health protection while providing appreciation to customers who adopt a healthy lifestyle.
This product offers a No-Claim Discount benefit of up to 15 percent for customers who do not make claims within a certain period, so that the subsequent premium can be more economical.
In addition, the claim service is supported by a network of more than 290 hospitals that are members of the My Prime Hospital Network. The available facilities include cashless services, upgrading the class of treatment rooms without additional costs under certain conditions, and VIP waiting rooms for families in accordance with the availability and applicable provisions at each hospital.
Closing her explanation, Elly Susanti emphasized the importance of providing protection that is relevant to the needs of today's society.
"Indonesian families currently need comprehensive protection, easy to use when needed, and still provide value when they maintain health," said Elly.
"Smile Health Prime is here to answer these needs, with relevant protection benefits, an extensive hospital network, and appreciation for customers who remain healthy. Through the solutions and services we continue to strengthen, MSIG Life will continue to be a trusted partner who helps Indonesian people step into the future with more confidence," he concluded.
The increasing trend of health claims is a reminder that health risks can occur to anyone, including those in the productive age. Therefore, awareness of maintaining health while having adequate financial protection is an important step in maintaining family well-being in the future.
The English, Chinese, Japanese, Arabic, and French versions are automatically generated by the AI. So there may still be inaccuracies in translating, please always see Indonesian as our main language. (system supported by DigitalSiber.id)
