Asuransi Mikro Diresmikan OJK, Bidik Warga Penghasilan Rendah
OJK Initiating Micro Insurance Program for Low-income People
Reporter : Gatot Priyantono
Editor : Cahyani Harzi
Translator : Dhelia Gani
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Jakarta (B2B) - Ketua Dewan Komisioner Otoritas Jasa Keuangan (OJK) Muliaman Hadad mengatakan,
OJK menargetkan penetrasi asuransi yang lebih luas dengan meresmikan asuransi mikro bagi masyarakat berpenghasilan rendah.
"Asuransi mikro bertujuan melindungi masyarakat berpenghasilan rendah dari potensi jatuh menjadi lebih miskin apabila mereka tertimpa musibah. Agar masa depan mereka terjamin berupa perlindungan dasar," kata Muliaman Hadad saat meresmikan produk asuransi mikro di Gedung SMESco Jakarta, Kamis (17/10).
Menurutnya, pasar asuransi mikro masih sangat luas, kategori masyarakat berpenghasilan rendah yakni mereka yang pendapatan per bulannya kurang dari Rp2,5 juta. Sedangkan nilai premi maksimum yang dapat diterima pemegang polis yaitu Rp50 juta dengan premi bulanan yang harus dibayarkan beragam, mulai Rp15 ribu hingga Rp50 ribu.
Beberapa perusahaan asuransi yang telah menyediakan asuransi mikro di antaranya PT Asuransi Allianz Life Indonesia, AJB Bumiputera 1912, PT Asuransi Jiwa Manulife, PT Prudential Life Assurance, PT Asuransi Central Asia, dan PT Asuransi Jiwasraya (Persero).
Jakarta (B2B) - Chairman The Financial Services Authority (OJK) Muliaman Hadad stated OJK aims to expand insurance coverage by initiating micro insurance program for low-income people.
"Micro insurance is established to protect low-income people from getting even poorer when they are having an incident. To guarantee their future by providing basic protection," Hadad said in SMESco Building in Jakarta on Thursday (17/10).
According to him, low-income people are defined as those who have a monthly income of less than Rp 2,5 million (around US$224.62). Micro insurance policyholder may receive benefits up to Rp 50 million (around US$4,492) with a monthly premium that varies from Rp 15,000 (around US$1.35) up to Rp 50,000 (around US$4.49).
Several insurance companies that have provided micro insurance program are Allianz Life Insurance Indonesia, , AJB Bumiputera 1912, Manulife Life Insurance, Prudential Life Assurance, Asuransi Central Asia, and state-owned insurance company Asuransi Jiwasraya.
