AIA Financial Readies Strategies to Curb Over-Utilisation

Jakarta, CNBC Indonesia - PT AIA Financial Director of Legal and Compliance Rista Qatrini Manurung stated that to tackle over-utilisation, the company is creating truly appropriate products and programmes for consumers. Over-utilisation, or excess medical payments in services and hospital prescriptions, triggers additional costs charged to health insurance, ultimately inflating claim values. She said this initiative aims to shape consumer behaviour towards healthier lifestyles, thereby reducing claims as customers fall ill less often. “We have a wellness programme and design products for consumers willing to adopt healthy lifestyles. Participating customers receive rewards and premium discounts,” Rista revealed at the 2026 Health Insurance Ecosystem Forum on Wednesday (3/6/2026). Rista also explained that alongside prevention, AIA Financial ensures prudent, data-based claims management. She added that the company re-checks and corrects over-utilisation without hindering optimal customer service. “We also monitor healthcare services to ensure quality, comfort, and optimal care,” Rista concluded.