1. Managing Branches in Archipelago
Asian claims convention 18
Friday 13th April 2018
Grand Hyatt, Nusa Dua, Bali

2. Indonesia Unity in Diversity
Potentials
Highlight
Population 262 Millions
17,504 Islands
3 time Zones
3,977 Mile from west to east
35 Provinces
Age : 66.5 %
Rich in natural resources
Plenty of tourism destinations
GDP growth 5.1 %
Insurance penetration 2.61% GDP
Infrastructure development: communications and logistics
Population 262 Millions
17,504 Island
3 time zones
3,977 Miles from west to east
35 Provinces
Age : 66.5%
Rich in natural resources
Plenty of tourism destinations
GDP growth 5.1%
Insurance penetration 2.61% GDP
Infrastructure development: communications and logistics

3. Density Highest density Highest Density Urbanization Prospect Java 60%
Sumatra 20%
Urbanization Prospect
54% urban population
46% rural population
Highest density
Java 60 %
Sumatra 20%
Urbanization prospect
54 % urban population
46 % rural population

4. Insuring the archipelago
General Insurance 76
Life Insurance 50
Sharia (General and Life)
Social Insurance
Insurance Brokers
Reinsurers
Reinsurance Brokers 40
Loss adjusters 28
General Insurance 76
Life Insurance 55
Sharia (General and Life) 48
Social Insurance 2
Insurance Broker 169
Reinsurance 5
Reinsurance Brokers
Loss Adjusters

5. Challenges in insuring the archipelago
Very wide territory: logistic, telecommunication, transportation
Lack of Qualified Human Resources
Lack of insurance awareness
Industrial risks concentrate in Java Island
Jakarta: High-rise buildings, Hotels, Malls,
Government offices
Greater Jakarta : + Housing and Apartments
West Java : Industrial Estates, Manufactures
Distribution focus in major cities/towns in 5 major islands
West Indonesia more crowded than East Indonesia

6. Embracing the archipelago
Thanks to :
Technology: telex, facsimile,
Information technology: PC, laptop, android, smart phone
Digitalization: remote printing, e-policy, m-marketing, digital insurance platform
Smoother Business Process
Improve Customer Experience
More Accurate Information

7. Embracing the archipelago
10, 20, 30, 40 branch offices + representative office
Visiting the offices
Teleconference
Video Conference
Mobile Communications and Data Analytics

8. Claims service in the archipelago
Challenges :
Locations various from big city to remote area
Networking and telecommunications are crucial for fast response
Lack of human resource and expertise
SOP and simple guideline for branch staff
Limited transportation to reach remote area
Limited internet bandwidth
High cost in transport and deliver claims repair work
Longer time to settle the claims

9. Claims service in the archipelago
Future challenges:
Digital disruption is taking insurance into unchartered territory
Millennial policy holders : Adapt or Die
Digital technology:
Claims Notifications : via mobile apps
Claims processing : via mobile apps
Claims Survey : drone, satellite
Claims investigations: robots, loss adjusters
Claims payments: e-wallet
May be not too long it will be full digitally progressive claims settlement…
Are we ready?

10. THANKYOU