{
    "success": true,
    "data": {
        "id": 1674314,
        "msgid": "ojk-encourages-utilisation-of-property-insurance-in-the-3-million-houses-programme-here-is-the-scheme-1776073865",
        "date": "2026-04-13 15:46:00",
        "title": "OJK Encourages Utilisation of Property Insurance in the 3 Million Houses Programme, Here is the Scheme",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Property",
        "summary": "The Financial Services Authority (OJK) is promoting the integration of property insurance into Indonesia's 3 Million Houses programme to mitigate long-term risks such as death of debtors, earthquakes, fires, and floods over tenors up to 20 years. Discussions are ongoing regarding premium financing options, including government subsidies or blended schemes within this Strategic National Programme. Additionally, OJK is addressing the high out-of-pocket health expenditure, currently at Rp 175 trillion or 28.8% of total health spending, by coordinating with the government to encourage greater uptake of health insurance products like BPJS and commercial options.",
        "content": "<p>The Financial Services Authority (OJK), through its Executive Head of\nInsurance, Guarantee, and Pension Fund Supervision, Ogi Prastomiyono,\nhas stated that it plans to promote property insurance within the 3\nMillion Houses programme.<\/p>\n<p>He noted that this programme features long tenors of up to 20 years,\nnecessitating mitigation against risks such as the death of the debtor,\nearthquakes, fires, and floods.<\/p>\n<p>He explained that regarding the premium financing scheme, OJK is\ncurrently discussing several options to facilitate this.<\/p>\n<p>In addition, OJK is considering government subsidies up to blended\nschemes in the people\u2019s housing financing facility, which is one of the\nStrategic National Programmes (PSN).<\/p>\n<p>\u201cThe technical issues are now being discussed, whether the premiums\nare covered by the government, through subsidies, or blended within the\npeople\u2019s housing facility programme,\u201d said Ogi in the SCBD area,\nSudirman, South Jakarta, on Monday, 13 April 2026.<\/p>\n<p>Previously, Ogi also mentioned that current independent health\nexpenditure (out of pocket) by the public has reached up to Rp 175\ntrillion.<\/p>\n<p>Therefore, Ogi stated that it has coordinated with the government to\nreduce the figure for independent health expenditure by the public,\nwhile encouraging the public to start utilising insurance coverage.<\/p>\n<p>In particular, Ogi outlined that the portion of the public still\npaying for health costs independently is recorded at 28.8 percent.<\/p>\n<p>\u201cThe public who have not used products for health programmes, whether\nBPJS or commercial-like health insurance, is still quite large,\u201d said\nOgi.<\/p>\n<p>\u201cThere is 28.8 percent of total health expenditure that is still paid\nwith their own money or called out of pocket, amounting to Rp 175\ntrillion. That is what we want to reduce,\u201d he added.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/ojk-encourages-utilisation-of-property-insurance-in-the-3-million-houses-programme-here-is-the-scheme-1776073865",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}