OJK: Integrated Health Coverage Data Centre Requires Further Study

The Executive Head of Insurance, Guarantee and Pension Fund Supervision at the Financial Services Authority (OJK), Ogi Prastomiyono, stated that a proposal regarding the establishment of an integrated health coverage data and information centre requires further study. “We realise that its implementation requires further study, particularly regarding personal data protection, information security, data governance, as well as infrastructure readiness and cross-sector coordination,” Ogi Prastomiyono said in Jakarta on Friday. Insurance industry players suggested that the data centre be developed similarly to the Financial Information Service System (SLIK) in the banking sector, in line with the implementation of the Coordination of Benefit (CoB) mechanism, which requires closer coordination between the government and businesses. “The OJK views the proposal to establish an information data centre as a positive step to support the strengthening of risk management, improve underwriting quality, and also accelerate the claims process, as well as help mitigate fraud and adverse selection in the health insurance industry,” he said. Therefore, he considered that close collaboration is needed between regulators, industry players, BPJS Kesehatan, and other stakeholders to optimise the utilisation of the data centre and guarantee consumer protection. Coordination of Benefit (CoB), or Coordination Among Benefit Providers (KAPJ), is a mechanism for sharing responsibility for settling insurance claims between two or more insurance providers, including between BPJS Kesehatan and private insurers. Ogi explained that the implementation of this mechanism refers to the Decree of the Minister of Health Number HK.01.07/MENKES/1117/2025 of 2025 concerning Guidelines for the Implementation of Payment of Cost Differences by Supplementary Health Insurance Through Coordination Among Benefit Providers. To strengthen the implementation of this mechanism, the Health Sector Policy Committee (KKSK) in a meeting on 14 April 2026 decided to form a task force. The task force involves the OJK, the Ministry of Health, BPJS Kesehatan, hospital associations, the Indonesian Insurance Council (DAI), the Indonesian General Insurance Association (AAUI), the Indonesian Life Insurance Association (AAJI), and the Indonesian Sharia Insurance Association (AASI). “That is the framework we have undertaken, and later in July there will be a follow-up KKSK coordination meeting, and we will present the work plan and the success benchmarks achieved,” said Ogi.