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 the proposal for the formation of an integrated health insurance data and information centre requires further study.
“We recognise 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 continued in Jakarta on Friday.
Insurance industry players have suggested that the data centre be developed similarly to the Financial Information Service System (SLIK) in the banking sector, following the commencement of the Coordination of Benefit (CoB) mechanism, which necessitates closer coordination between the government and businesses.
“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 accelerate the claims process, as well as to assist in mitigating fraud and adverse selection within the health insurance industry,” he said.
Therefore, he assessed that close collaboration is required between regulators, industry players, BPJS Kesehatan, and other stakeholders to optimise the use of the data centre and ensure consumer protection.
Coordination of Benefit (CoB), or Coordination Between Guarantee Providers (KAPJ), is a mechanism for sharing claim settlement responsibilities between two or more insurance providers, including between BPKS Kesehatan and private insurance.
Ogi noted 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 Additional Health Insurance Through Coordination Between Guarantee Providers.
To strengthen the implementation of this mechanism, the Health Sector Policy Committee (KKSK) decided in a meeting on 14 April 2026 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 established, and in July, there will be a follow-up KKSK coordination meeting, where we will present the work plan and the benchmarks for success achieved,” said Ogi.