Jakarta, ThedailyID — Indonesia’s insurance industry continues to play an important role in strengthening financial resilience amid global economic challenges. However, insurance utilization remains limited. Data from the Otoritas Jasa Keuangan (OJK) show that insurance penetration in 2025 stood at around 2.72% of gross domestic product, reflecting relatively low adoption across the population.
At the same time, premium growth in the life insurance segment has yet to show significant improvement. According to the Asosiasi Asuransi Jiwa Indonesia (AAJI), life insurance premium income reached Rp133.22 trillion in the third quarter of 2025, with several segments experiencing pressure.
On the other hand, a report by the Asosiasi Penyelenggara Jasa Internet Indonesia (APJII) noted that internet penetration in Indonesia reached 80.66% in 2025. The high level of connectivity has encouraged PT Asuransi Jiwa IFG (IFG Life), a member of the IFG state-owned insurance, guarantee, and investment holding, to leverage its integrated digital platform, One by IFG, to expand public access to insurance and protection services.
Gatot Haryadi, Corporate Secretary of IFG Life, said that low insurance penetration presents both a significant growth opportunity and a challenge for the industry. He noted that IFG Life sees this as momentum to broaden protection access through relevant, comprehensive, and affordable products, while strengthening governance and focusing on customers’ real needs.
Through One by IFG, users can access information and education on life insurance products, explore and purchase IFG Life offerings tailored to their needs, and manage policies digitally within a single application. The platform also integrates supporting healthcare services, including online doctor consultations and medical referral issuance, enabling customers to manage life and health protection more practically and transparently within one ecosystem.
Gatot added that digitalization is a strategic step to deliver protection services that are more aligned with current public needs. By simplifying access to products and services, IFG Life aims to improve insurance literacy and contribute to national financial inclusion.
As of the end of 2025, One by IFG had attracted more than 500,000 users, including over 370,000 active users, and recorded more than 250,000 transactions across health, protection, and investment services. The figures reflect growing customer trust in IFG Life’s integrated digital ecosystem focused on user convenience.
