2025: MSIG Life Pays Out Health and Death Benefit Claims Worth Rp1.07 Trillion

PT MSIG Life Insurance Indonesia Tbk (MSIG Life) disbursed health and death benefit claims worth Rp1.07 trillion throughout 2025. The amount encompasses medical care expenses for policyholders facing health risks and benefits for families who have lost their primary earners.

The claims payout occurred amidst a significant surge in medical costs. The Health Trends 2026 report from Mercer Marsh Benefits noted that Indonesia’s medical trend rate reached 17.9% in 2025 and is projected to remain at 17.8% in 2026.

This figure far exceeds the national general inflation projection, which stands at 1.5%–3.5% for 2025–2026 in line with Bank Indonesia’s target. This sharp disparity intensifies pressure on household expenditure and underscores the importance of insurance protection as part of family financial planning.

Ken Terada, Director and Chief Transformation Officer of MSIG Life, stated, “Claims payment is a tangible manifestation of our commitment to protection. Maintaining family financial resilience can only be achieved consistently if supported by healthy and strong company finances. That is what we continue to safeguard to ensure protection is realised sustainably.”

This strength is reflected in MSIG Life’s Risk-Based Capital (RBC) ratio of 1,381% as of end-2025, far exceeding the OJK minimum requirement of 120%. As part of Japan’s MS&AD Insurance Group, MSIG Life applies global risk management standards that maintain governance discipline and ensure the company’s ability to fulfil its obligations in the long term.

“Every claim we pay represents one family facing an important phase in their lives, whether undergoing medical treatment or losing a breadwinner. Our duty is to ensure protection truly materialises, so families maintain financial resilience and can move forward with greater confidence. That is the role we continue to fulfil as a trusted partner for Indonesian families,” Terada concluded.