DAI Reveals Demand for PAYDI Products Remains Good, But the Public Needs This

Jakarta, CNBC Indonesia - The Chairman of the Indonesian Insurance Council (DAI), Yulius Bhayangkara, has spoken openly about the potential of investment-linked insurance products (PAYDI).

He said that, so far, the product is still in high demand. This can be seen from the number of requests from the public.

“Demand still exists. Many people still want it. In fact, there are around 8 million PAYDI policies. Of course, there are problems. But in reality, this product is quite good, and there is a perception that needs to be changed. That is also our task,” said Yulius at the Insurance Forum, Thursday (26/2/2026).

As is known, previously many people were dissatisfied with the product, which was formerly known as Unitlink. This is because the investment value of the product has decreased, resulting in a continuous decrease in policyholders’ premiums.

Seeing this, Yulius appealed to his members to be more transparent in the future. Because, according to him, when someone buys an insurance policy, the purpose is for the long term.

Therefore, better education is needed so that the public understands that this product has investment features that are not certain.

“Because when people buy an insurance policy, it will be used in the future. Not now. It will be proven in the future. Then, education about investment features is needed. Investment is not certain. There are risks, and these things need to be understood. Finally, the flexibility of features. We have observed this, and hopefully, we can improve it,” he said.