印度尼西亞(印尼)indonesia保險市場調(diào)研和分析報告（英文版）-2024年1月上傳培訓(xùn)課件

INDUSTRIES

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MARKETSInsuranceindustryinIndonesiaCHAPTER

01OverviewGrossdomesticproduct(GDP)frominsuranceandpensionfundinIndonesiafrom2014to2022(intrillionIndonesianrupiah)GDPfrominsuranceandpensionfundIndonesia2014-2022180167.91162.7159.0616014012010080149.88137.65124.13109.3699.0487.34604020020142015201620172018201920202021*2022**4Description:In2022,preliminaryfiguresshowedthatthegrossdomesticproduct(GDP)frominsuranceandpensionfundsinIndonesiaamountedto167.91trillionIndonesianrupiah.IndonesianGDPderivedfrominsuranceandpensionfundshasgraduallyincreasedsince2014.ReadmoreNote(s):Indonesia;2014to2022;atcurrentmarketprices;*Preliminaryfigures.**Verypreliminaryfigures.1,000Indonesianrupiahisequaltoapproximately0.066U.S.dollarsand0.06eurosasofJuly2023.

ReadmoreSource(s):StatisticsIndonesiaGDPgrowthrateofinsuranceandpensionfundactivitiesinIndonesiafrom2019to2022GDPgrowthrateofinsuranceandpensionfundinIndonesia2019-20227%6%5%4%3%2%1%0%-1%-2%5.67%4.03%0.71%2021*-0.98%2022**201920205Description:In2022,thegrossdomesticproductofinsuranceandpensionfundactivitiesexperiencedanegativegrowthrateof0.98percent.Thehighestgrowthraterecordedonthemeasuredperiodwasin2019,at5.67percent.

ReadmoreNote(s):Indonesia;2019to2022;at2010constantmarketprices;*Preliminaryfigure.**Verypreliminaryfigure.ReadmoreSource(s):StatisticsIndonesiaInsurancepenetrationrateinIndonesiafrom2013to2022InsurancepenetrationrateIndonesia2013-20223.5%3.23%3.06%3.03%2.93%2.89%3.0%2.5%2.0%1.5%1.0%0.5%0.0%2.77%2.72%2.45%2.24%1.96%20132014201520162017201820192020202120226Description:Bytheendof2022,theinsurancepenetrationrateofIndonesiaincreasedtoapproximately2.72percentfromabout1.96percentin2013.Theinsurancepenetrationrateinthecountrywashighestin2020.

ReadmoreNote(s):Indonesia;2013to2022Source(s):GeneralInsuranceAssociationofIndonesiaTotalnumberofinsurancecompaniesinIndonesiafrom2014to2022NumberofinsurancecompaniesinIndonesia2014-20221601401201008015215115115114914814614614660402002014201520162017201820192020202120227Description:In2022,therewere151insurancecompaniesinIndonesia,slightlyupfromthepreviousyear.Amongthese,78werenon-lifeinsurancecompanies,30lifeinsurancecompaniesandeightreinsurancecompanies.

ReadmoreNote(s):Indonesia;2014to2022Source(s):StatisticsIndonesiaCHAPTER

02KeyindicatorsTotalassetsoftheinsuranceindustryinIndonesiafrom2016to2022(intrillionIndonesianrupiah)AssetsofinsuranceindustryinIndonesia2016-20221,8001,6001,4001,5911,4101,3261,3101,2001,00080060040020001,1331,0931,00320162017201820192020202120229Description:Bytheendof2022,theassetsoftheinsuranceindustryinIndonesiaincreasedtoapproximately1.09quadrillionIndonesianrupiahfromaboutonequadrillionrupiahin2016.ReadmoreNote(s):Indonesia;2016to2022Source(s):GeneralInsuranceAssociationofIndonesiaValueofpremiumswrittenintheinsuranceindustryofIndonesiafrom2013to2022(intrillionIndonesianrupiah)PremiumswrittenininsuranceindustryIndonesia2013-2022600500532.9520499.23478.65430393.474003002001000361.78295.56247.32186.25201320142015201620172018201920202021202210Description:Bytheendof2022,thevalueofthepremiumsintheinsuranceindustryofIndonesiaincreasedtoapproximately532.9trillionIndonesianrupiahfromabout186.3trillionrupiahin2013.ReadmoreNote(s):Indonesia;2013to2022Source(s):GeneralInsuranceAssociationofIndonesiaValueofpremiumswrittenintheinsuranceindustryofIndonesiaasofJune2023,bytype(intrillionIndonesianrupiah)PremiumswrittenininsuranceindustryIndonesia2023,bytypeValueintrillionIndonesianrupiah01020304050607080LifeinsuranceNon-lifeinsuranceReinsurance7648.9612.5711Description:AsofJune2023,thevalueofthepremiumsinthelifeinsuranceindustryofIndonesiaamountedto76trillionIndonesianrupiah.Overthemeasuredperiod,thetotalvalueofthepremiumsinthenon-lifeinsuranceindustryamountedtoabout49trillionIndonesianrupiah.ReadmoreNote(s):Indonesia;June2023Source(s):GeneralInsuranceAssociationofIndonesiaValueoftheinvestmentsintheinsuranceindustryofIndonesiain2022,bytypeofinsurance(intrillionIndonesianrupiah)InvestmentsintheinsuranceindustryinIndonesia2022,bytypeValueintrillionIndonesianrupiah0102030405060708090100Generalinsurance92.9Reinsurance18.412Description:Bytheendof2022,theinvestmentsinthegeneralinsuranceindustryinIndonesiareachedapproximately92.9trillionIndonesianrupiah.Incomparison,thevalueoftheinvestmentsinthereinsuranceindustryinthatyearwasaround18.4trillionIndonesianrupiah.ReadmoreNote(s):Indonesia;2022Source(s):GeneralInsuranceAssociationofIndonesiaValueofclaimsintheinsuranceindustryofIndonesiafrom2013to2022(intrillionIndonesianrupiah)ClaimsininsuranceindustryIndonesia2013-2022450400350300392.8358.02356352.25316297.7525020015010050227.35197.75163.42116.32013020142015201620172018201920202021202213Description:Bytheendof2022,thevalueofclaimsintheinsuranceindustryofIndonesiaincreasedtoapproximately393trillionIndonesianrupiahfromabout116trillionrupiahin2013.Inthatyear,thevalueofclaimsintheinsuranceindustrygrewbytwopercentcomparedtothepreviousyear.ReadmoreNote(s):Indonesia;2013to2022Source(s):GeneralInsuranceAssociationofIndonesiaInsurancedensityinIndonesiafrom2013to2022(in1,000Indonesianrupiah)InsurancedensityIndonesia2013-20222,5002,0001,9311,8991,7471,7041,5661,4891,5001,4081,1579811,0005000749201320142015201620172018201920202021202214Description:Bytheendof2022,theinsurancedensityincreasedtoapproximately1.9millionIndonesianrupiahfromabout749thousandrupiahin2013.Overall,theinsurancedensitypercapitainthecountryhasbeensteadilyincreasing.ReadmoreNote(s):Indonesia;2013to2022Source(s):FinancialServicesAuthority(Indonesia);GeneralInsuranceAssociationofIndonesiaCHAPTER

03IndustrylandscapeTotalnumberoflifeinsurancecompaniesinIndonesiafrom2014to2022NumberoflifeinsurancecompaniesinIndonesia2014-202270616060606059605040302010055555320142015201620172018201920202021202216Description:Asof2022,therewere60lifeinsurancecompaniesinIndonesia,showingasteadyincreasesince2014.Overthesameperiod,therewere78non-lifeinsurersinthecountry.

ReadmoreNote(s):Indonesia;2014to2022Source(s):StatisticsIndonesiaTotalnumberofnon-lifeinsurancecompaniesinIndonesiafrom2014to2022Numberofnon-lifeinsurancecompaniesinIndonesia2014-2022908383807979797877778070605040302010020142015201620172018201920202021202217Description:Asof2022,therewere78generalinsurancecompaniesinIndonesia,showingadecreaseoffivecompaniescomparedto2014.Overthesameperiod,therewere60lifeinsurersinthecountry.

ReadmoreNote(s):Indonesia;2014to2022Source(s):FinancialServicesAuthority(Indonesia);StatisticsIndonesiaTotalnumberofreinsurancecompaniesinIndonesiafrom2014to2022NumberofreinsurancecompaniesinIndonesia2014-2022988765432107777766520142015201620172018201920202021202218Description:Asof2022,therewereeightreinsurancecompaniesinIndonesia.Incomparison,therewere78generalinsurancecompaniesand60lifeinsurancecompaniesinthatyear.

ReadmoreNote(s):Indonesia;2014to2022Source(s):FinancialServicesAuthority(Indonesia);StatisticsIndonesiaTotalnumberofinsurancebrokersinIndonesiafrom2014to2022NumberofinsurancebrokersinIndonesia2014-2022180169169166166160160157157155155160140120100806040200201320142015201620172018201920202021202219Description:Asof2022,therewere155insurancebrokersinIndonesia,showingadecreasecomparedtothepreviousyears.Thenumberofinsurancebrokersinthecountryhasdecreasedsince2017,whenitreached169.

ReadmoreNote(s):Indonesia;2014to2022Source(s):FinancialServicesAuthority(Indonesia);StatisticsIndonesiaTotalnumberofreinsurancebrokersinIndonesiafrom2014to2022NumberofreinsurancebrokersinIndonesia2014-20225045403530252015105434342424141403731020142015201620172018201920202021202220Description:Asof2022,therewere41reinsurancebrokersinIndonesia,showingadecreaseincomparisontothepreviousyears.Reinsurersarecompaniesthatinsureinsurancecompaniesfinancially.

ReadmoreNote(s):Indonesia;2014to2022Source(s):FinancialServicesAuthority(Indonesia);StatisticsIndonesiaTotalnumberoflossadjustersinIndonesiafrom2014to2022NumberoflossadjustersinIndonesia2014-202230282827272727272626252015105020142015201620172018201920202021202221Description:Asof2022,therewere27lossadjustersinIndonesia,showinganincreaseofonelossadjustercomparedto2020.Overthesameperiod,therewere155insurancebrokersand41reinsurancebrokersinthecountry.

ReadmoreNote(s):Indonesia;2014to2022Source(s):FinancialServicesAuthority(Indonesia);StatisticsIndonesiaCHAPTER

04LifeinsuranceTotalnetpremiumincomegeneratedbylifeinsurancesectorinIndonesiafrom2016to2022(inbillionIndonesianrupiah)NetpremiumincomeoflifeinsuranceindustryinIndonesia2016-2022200180.6178.43179.35178.7818016014012010080165.57163.8133.496040200201620172018201920202021202223Description:In2022,thelifeinsurancesectorinIndonesiageneratedanetpremiumincomeofapproximately163.8trillionIndonesianrupiah.Incomparison,thisfigurereachedabout178.8trillionIndonesianrupiahinthepreviousyear.ReadmoreNote(s):2016to2022Source(s):FinancialServicesAuthority(Indonesia)TotalbenefitsandclaimspaidbythelifeinsurancesectorinIndonesiafrom2016to2022(intrillionIndonesianrupiah)BenefitsandclaimspaidinlifeinsuranceIndonesia2016-2022180160163.74150.67149.29145.95142.64142.5814012010080119.456040200201620172018201920202021202224/statistics/1423996/indonesia-life-insurance-benefits-and-claimsIn2022,benefitsandclaimsinthelifeinsuranceindustryinIndonesiareachedapproximately150.7trillionIndonesianrupiah,showingaslightdecreasecomparedtothepreviousyear.Overall,thisvaluegraduallyincreasedoverthemeasuredperiod.ReadmoreNote(s):2016to2022Source(s):FinancialServicesAuthority(Indonesia)TotalvalueofsumassuredofthelifeinsurancesectorinIndonesiafrom2020to2023(intrillionIndonesianrupiah)SumassuredoflifeinsuranceindustryIndonesia2020-20236,0005,0005,198.354,890.14,393.474,358.874,0003,0002,0001,00002020202120222023*25/statistics/1423830/indonesia-sum-assured-of-life-insurance-industryAsofJune2023,thetotalvalueofthesumassuredofthelifeinsuranceindustryinIndonesiaamountedtoapproximately5,198trillionIndonesiantrillionrupiah.Thisreflectsanincreasefromthepreviousyear'stotalof4,890Indonesiantrillionrupiah.ReadmoreNote(s):Indonesia;2020to2023;*AsofJune2023.OnethousandIndonesianrupiah(IDR)equals0.064U.Sdollarsand0.059euros(asofNovember2023).

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ReadmoreSource(s):AsosiasiAsuransiJiwaIndonesiaNumberoflifeinsurancepoliciesinIndonesiafrom2020to2023(inmillions)NumberoflifeinsurancepoliciesIndonesia2020-20233530252029.1527.6320.2417.311510502020202120222023*26Description:AsofJune2023,thenumberoflifeinsurancepoliciesamountedtoapproximately27.63million.Incomparison,lifeinsurancepoliciesreachedabout17.3millionin2020.ReadmoreNote(s):Indonesia;2020to2023;*AsofJune2023.ReadmoreSource(s):AsosiasiAsuransiJiwaIndonesiaLeadinglifeinsurancecompaniesinIndonesiain2022,byassets(intrillionIndonesianrupiah)MajorlifeinsurancecompaniesIndonesia2022,byassetsAssetsintrillionIndonesianrupiah300102040506070PrudentialIndonesiaManulifeIndonesiaIndolifePensiontamaAIAIndonesia61.3258.7452.5845.15AXAMandiriFinancialAllianzLifeIndonesiaIFGLife38.7337.0230.09BNILife22.1721.62AsuransiSimasJiwaBRILife25.2427Description:AsofDecember31,2022,PrudentialIndonesiawastheleadinglifeinsurancecompanyinIndonesiaintermsoftotalassets.Asofthisdate,theinsurancecompanyhastotalassetsofabout61trillionIndonesianrupiah.ThiswasfollowedbyManulifeIndonesia,withassetsamountingtoabout59trillionIndonesianrupiah.ReadmoreNote(s):Indonesia;asofDecermber31,2022Source(s):FinancialServicesAuthority(Indonesia);KompasCHAPTER

05Non-lifeinsuranceTotalpremiumincomeinthenon-lifeinsuranceandreinsuranceindustryinIndonesiafrom2019to2022(intrillionIndonesianrupiah)Premiumincomeinnon-lifeandreinsuranceindustryIndonesia2019-2022Non-lifeinsuranceReinsurance76.9100908070605040302010089.780.1276.8927.1224.323.2221.97201920202021202229Description:In2022,thevalueofpremiumsinthenon-lifeinsuranceindustryamountedtoabout89.7trillionIndonesianrupiahinIndonesia.Thisfigureincreasedsignificantlycomparedtothepreviousyear,whenitreachedabout76.9trillionrupiah.ReadmoreNote(s):Indonesia;2019to2022Source(s):GeneralInsuranceAssociationofIndonesiaDistributionofpremiumswritteninthenon-lifeinsuranceindustryofIndonesiaasofJune2023,bytypeDistributionofpremiumsinnon-lifeinsuranceindustryIndonesia2023,bytypeAviation0.9%Energyonshore2%Energyoffshore0.3%Suretyship1.9%Marinehull2.5%Personalaccident3%Miscellaneous4.2%Liability4.4%Satellite0.1%Property25.6%Engineering4.7%Marinecargo5.2%Healthinsurance8%Motorvehicle20.1%Creditinsurance17.2%30Description:AsofJune2023,propertyinsurancesaccountedfor25.7percentofthepremiumswritteninthenon-lifeinsuranceindustryinIndonesia.Itwasfollowedbymotorvehicleinsurances,with20.1percent.ReadmoreNote(s):Indonesia;June2023Source(s):GeneralInsuranceAssociationofIndonesiaValueofclaimsinthenon-lifeinsuranceandreinsuranceindustriesinIndonesiafrom2019to2022(intrillionIndonesianrupiah)Claimsinnon-lifeandreinsuranceindustryIndonesia2019-2022Non-lifeinsuranceReinsurance32.44540353025201510540.837.4836.2416.4813.212.79.850201920202021202231Description:In2022,thevalueofclaimsinthenon-lifeinsuranceindustryamountedtoabout40.8trillionIndonesianrupiahinIndonesia.Thisfigureincreasedsignificantlycomparedtothepreviousyear,whenitreachedabout32.4trillionrupiah.ReadmoreNote(s):Indonesia;2019to2022Source(s):GeneralInsuranceAssociationofIndonesiaDistributionofclaimsinthenon-lifeinsuranceindustryofIndonesiaasofJune2023,bytypeDistributionofclaimsinnon-lifeinsuranceindustryIndonesia2023,bytypeSuretyship1.0%Miscellaneous1.8%Personalaccident2%Aviationhull&satellite0.9%Liability2.1%Marinehull2.0%Marinecargo3.1%Creditinsurance30.5%Engineering3.5%Energyonshore4%Healthinsurance15.1%Property16.3%Motorvehicle16.6%32Description:AsofJune2023,theclaimscontributionofthecreditinsurancesinIndonesiaamountedto30.5percent.Motorvehicleinsurancesfollowed,withmotorvehicleinsurancesamountingto16.6percent.ReadmoreNote(s):Indonesia;asofJune2023Source(s):GeneralInsuranceAssociationofIndonesiaClaimratioofnon-lifeinsurancesinIndonesiaasofJune2023,bytypeNon-lifeinsurancesclaimratioIndonesia2023,bytypeClaimratio0%10%20%30%40%50%60%70%80%90%EnergyoffshoreHealthinsuranceCreditinsuranceMarinehull82.7%78.1%73%40.7%38.6%AviationMotorvehicleSuretyship34%32.5%30.5%27.6%26.1%25%EngineeringPersonalaccidentPropertyMarinecargoLiability19.5%17.5%MiscellaneousEnergyonshore0.8%33Description:AsofJune2023,theclaimratiooftheenergyoffshoreinsurancesectorinIndonesiawasat82.7percent.Duringthesameperiod,theclaimratioofhealthinsurancesamountedto78.1percent.

ReadmoreNote(s):Indonesia;asofJune2023Source(s):GeneralInsuranceAssociationofIndonesiaNon-lifeinsurancesreturnonassetsperformanceinIndonesiaasofJune2023Non-lifeinsurancesROAperformanceIndonesia20232.5%2%2.0%1.5%1.0%0.5%0.0%1.9%GeneralinsuranceReinsurance34Description:AsofJune2023,thenon-lifeinsurancesreturnonassetsperformancereachedtwopercent.Incomparison,reinsurancereturnonassetsperformancereached1.9percentoverthesameperiod.

ReadmoreNote(s):Indonesia;June2023Source(s):GeneralInsuranceAssociationofIndonesiaCHAPTER

06LeadingcompaniesNetpremiumincomeofPTAsuransiSinarMasfrom2013to2022(inbillionIndonesianrupiah)NetpremiumincomeofPTAsuransiSinarMas2013-202235,00030,00025,00020,00015,00010,00029,436.723,955.0523,742.7223,094.9518,807.088,209.5720173,836.485,00002,462.2420152,041.57201420162018201920202021202236Description:In2022,PTAsuransiSinarMasrecordednetpremiumincomeofaround18.8trillionIndonesianrupiah.Thiswasaslightdecreasefromaround23.7trillionIndonesianrupiahinthepreviousyear.PartoftheSinarMasgroup,AsuransiSinarMasisoneoftheleadinginsurancecompaniesinthecountry.ReadmoreNote(s):Indonesia;2014to2022Source(s):PTAsuransiSinarMasGrosspremiumincomeofAllianzLifeIndonesiafrom2014to2022(inbillionIndonesianrupiah)GrosspremiumincomeofAllianzLifeIndonesia2014-202220,00018,00016,00014,00019,028.3916,945.8115,120.7113,258.0512,00010,707.1110,026.849,707.6910,0008,0006,0004,0002,00009,095.018,818.5520142015201620172018201920202021202237Description:In2022,AllianzIndonesiaLifeInsurancerecordedgrosspremiumsofaround15.12trillionIndonesianrupiah.Thiswasaslightdecreasefromaround19.03trillionIndonesianrupiahinthepreviousyear.AllianzIndonesiaisoneoftheleadinginsurancecompaniesinthecountry.ReadmoreNote(s):Indonesia;2014to2022Source(s):AllianzIndonesiaGrosspremiumincomeofPTPrudentialLifeAssuranceinIndonesiafrom2015to2022(inbillionIndonesianrupiah)GrosspremiumincomeofPTPrudentialLifeAssuranceIndonesia2015-202230,00026,883.3926,842.9826,536.0725,425.3724,964.5525,00020,00015,00010,0005,000023,656.0520,859.4119,781.792015201620172018201920202021202238Description:In2022,PTPrudentialLifeAssurance,anIndonesiansubsidiaryofPrudentialplc,recordedgrosspremiumsofaround19.78trillionIndonesianrupiah.Thiswasaslightdecreasefromaround20.86trillionIndonesianrupiahinthepreviousyear.PrudentialIndonesiaisoneoftheleadinginsurancecompaniesinthecountry.ReadmoreNote(s):Indonesia;2015to2022Source(s):PTPrudentialLifeAssuranceGrosspremiumincomeofPTAsuransiJiwaManulifeIndonesiafrom2015to2022(inbillionIndonesianrupiah)GrosspremiumincomeofPTAsuransiJiwaManulifeIndonesiaIndonesia2015-202214,00012,00012,433.3110,425.1210,0008,0006,0004,0002,00009,255.418,884.058,861.258,589.928,301.067,770.332015201620172018201920202021202239Description:In2022,PTAsuransiJiwaManulife,anIndonesiansubsidiaryofManulife,recordedgrosspremiumsofaround10.43trillionIndonesianrupiah.Thiswasaslightdecreasefromaround12.43trillionIndonesianrupiahinthepreviousyear.ManulifeIndonesiaisoneoftheleadinglifeinsurancecompaniesinthecountry.ReadmoreNote(s):Indonesia;2015to2022Source(s):PTAsuransiJiwaManulifeIndonesiaCHAPTER

07ConsumerperspectiveLeadinginsuranceownedbypeopleinIndonesiain2022,bytypeInsuranceownershipamongpeopleIndonesia2022,bytypeShareofrespondents0%10%20%30%40%50%60%70%NoneHealthinsurance58.5%33.4%Lifeinsurance9.1%Vehicleinsurance4.2%2.5%2.2%1.2%OthersHomeinsuranceUmbrella/personalliabilityinsuranceTravelinsurance1.1%0.6%0.5%PhoneinsuranceDisabilityinsuranceRentersinsurance

0.2%41Description:Assurveyedin2022inIndonesia,33.4percentoftherespondentsownedahealthinsurance,makingitthemostcommontypeofinsuranceownedbypeopleinthenation.Itwasfollowedbylifeinsuranceandvehicleinsuranceinthatyear,asstatedby9.1and4.2percentofrespondents,respectively.Bycomparison,around58.5percentofthesurveyparticipantsdidnotownanyinsurance.

ReadmoreNote(s):Indonesia;February2022;1,249respondents;18yearsandolder;amongrespondentsnationwideSource(s):StandardInsightsMostpreferredinsurancecompaniesamongIndonesiansin2022Mostpreferredinsuranceco