Digitalisation Expands Access to Financial Protection for Indonesians
Digital transformation in the financial services sector is increasingly opening access for the public to financial protection that is easy, fast, and affordable. This development is a vital part of the need to expand national financial inclusion, especially for communities living far from service centres and facing limited access to physical offices.
The use of technology also provides convenience when families face difficult conditions, including the loss of a family member who served as the primary economic provider. Digitalised claim processes allow beneficiaries to obtain compensation without facing obstacles related to distance, time, or travel costs.
This experience was felt by Maesaroh, 58, a small trader from Cikarang, West Java, who recently lost her husband, the late Endang. After her husband passed away, Maesaroh discovered that the deceased had prepared life protection through SalingJaga Keluarga Insurance.
Lacking prior experience in managing insurance claims, Maesaroh submitted her claim digitally. The entire process could be completed via mobile phone from her home, meaning she did not need to visit a service office located far from her residence.
“I am very grateful and feel very helped by the existence of SalingJaga Keluarga. Because the application is done via mobile, I did not have to go through the trouble of travelling to the SalingJaga office, which is quite far from my home in Cikarang,” said Maesaroh.
She noted that the application process also received assistance from the service team. The rapid response, clear information, and guidance during the administrative process made it easier for her to complete the submission amidst her family’s bereavement.
“During the claim process, the SalingJaga team was very responsive, patient, and informative in assisting us. This compensation fund truly serves as a lifesaver and capital for me to continue my life,” she said.
This experience demonstrates the importance of developing increasingly inclusive financial protection for the Indonesian people. Self-employed workers, small business owners, and middle-class families require protection schemes that are simple and have costs aligned with their economic capabilities.
PT Asuransi Jiwa Syariah Kitabisa, through this service, offers Sharia life protection with contributions starting from approximately Rp60,000 per year. Digital technology is utilised to make it easier for the public to obtain information, register, and submit claims. The Director of SalingJaga, Eriawan Indra, stated that the company is striving to change the perception that insurance is an expensive and inaccessible service.
“We want to break the assumption that insurance is expensive and difficult to reach. Through the integration of digital technology and very affordable costs starting from Rp60,000 per year, this service is here so that anyone can have access to financial protection that is easy, fast, and provides peace of mind for their families,” he said.
As a Sharia life insurance service, the platform upholds the spirit of mutual assistance, or takaful, as well as the principle of transparency. Participants can monitor the use of communal funds, claim details, and data on members receiving benefits through the SalingJaga application and official website.