AXA Financial Focuses on Health Insurance Products, Here's Why

PT AXA Financial Indonesia is committed to becoming a healthcare and protection partner for the community through its products and innovations. President Director PT AXA Financial Indonesia, Niharika Yadav, stated that the company is currently focused on introducing health insurance products, which are the priority for both individuals and companies.

She emphasised that AXA Financial aims to provide and ensure easier access to healthcare services for all Indonesians. Health insurance products hold the largest share in AXA Financial Indonesia’s portfolio, followed by traditional insurance products and unit-linked products.

“In the health category, we offer diverse options because at AXA Financial Indonesia, we believe one solution cannot meet all needs. We need to introduce products that can be tailored to various customer segments and their needs,” she said during the Insurance Forum “Optimising Insurance Protection and New Directions for Unit-Linked Product Development in Indonesia” on Thursday, 26 February 2026.

AXA Financial’s health insurance products include pure health protection coverage, riders, and critical illness insurance. Regarding pure health protection products, AXA Financial offers products with underwriting moratorium as well as products with underwriting at the initial stage. This approach aims to build a range of relevant, affordable products that can be customised for different customer segments.

Health insurance has become a basic necessity, with many people supplementing their coverage beyond BPJS Kesehatan benefits. Niharika Yadav noted that following the Covid-19 pandemic, there was a significant surge in awareness and demand for health insurance products.