Insurance Challenges: Healthcare Costs and Medical Inflation Trends
The challenges facing the health insurance industry currently require a collaborative approach involving all parties in the healthcare ecosystem. The increase in healthcare service costs and the trend of medical inflation are challenges that need to be addressed together.
The implementation of POJK Number 36 of 2025 is seen as an important momentum to strengthen governance, improve transparency, and build a healthier and more sustainable business model, according to BRI Life Operational Director Andrew Bain.
Therefore, he views the Health Insurance Ecosystem Forum 2026 as a strategic platform bringing together regulators, insurance industry players, and healthcare facility providers. The hope is that they will formulate the future of the national health insurance ecosystem in line with the implementation of POJK Number 36 of 2025, concerning medical inflation control and strengthening collaboration to build a more sustainable health insurance ecosystem.
Thanks to continuous innovation and commitment to building a solid insurance ecosystem, BRI Life received the Best Digital Health Insurance Experience award at the event organised by CNBC Indonesia in Jakarta. The award is tangible proof of BRI Life’s success in adapting and transforming services, especially amid new regulatory dynamics and changes in Indonesia’s digital healthcare service model.
Through strong ecosystem integration with its parent company, PT Bank Rakyat Indonesia Tbk, BRI Life was deemed successful in expanding inclusive accessibility of health insurance products for all levels of society. Through the Health Insurance Ecosystem Forum 2026, BRI Life hopes that digital transformation must also go hand in hand with improving digital literacy, as the power of this transformation needs to be understood so that it delivers relevant benefits for the wider community.
The surge in healthcare costs that outpaces general inflation is starting to become a serious pressure on public financial planning. Life uncertainty, including the risk of critical illness, can be a major challenge for individuals and families, especially amid rising medical costs. The issuance of OJK Regulation Number 36 of 2025 marks a new milestone in strengthening healthcare service governance in the insurance industry.