AIA Financial Readies Strategies to Curb Over-Utilisation

The Director of Legal and Compliance at PT AIA Financial, Rista Qatrini Manurung, stated that to address the issue of over-utilisation, the company is developing products and programmes specifically tailored to consumers’ needs.

As is widely known, over-utilisation refers to the excessive payment of medical costs, both in terms of healthcare services and the provision of medicines in hospitals. This can trigger additional medical expenses charged to health insurance, ultimately causing claim values to swell.

She noted that these initiatives are intended to encourage consumers to adopt healthier lifestyles. By doing so, it is expected that consumer claims can be reduced as health improves.

“We have wellness programmes and also design products for consumers who wish to lead a healthy lifestyle. Those who participate will be provided with rewards, including premium discounts,” Rista revealed during the Health Insurance Ecosystem Forum 2026 on Wednesday (3/6/2026).

Rista also explained that in addition to prevention, AIA Financial is ensuring prudent and data-driven claims management.

Furthermore, Rista will re-examine and correct over-utilisation without hindering the delivery of the best service to consumers.

“We also monitor healthcare services to ensure that the services received are of high quality, comfortable, and optimal,” Rista concluded.