Asuransi Ciputra Indonesia (Ciputra Life) is widening its corporate insurance and digital distribution channels to drive growth, as it focuses on partnerships beyond the Ciputra Group network.

President Director of Ciputra Life, Hengky Djojosantoso

Rising wellness use request is driving deeper ties pinch firms and banks. 

Asuransi Ciputra Indonesia (Ciputra Life) is widening its firm security and integer distribution channels to thrust growth, arsenic it focuses connected partnerships beyond nan Ciputra Group network. 

President-Director Hengky Djojosantoso said nan insurer intends to activity pinch much companies and banks whilst modernising operations to amended velocity and work quality. “Partnerships let america to scope much customers and creation products that amended fresh their financial needs,” he told  Insurance Asia. 

He besides said nan employee-benefit conception has go a cardinal maturation area, pinch much than  30,000 labor now covered nether group life and wellness policies linked to Ciputra’s infirmary network. 

Rising request for wellness benefits is likewise pushing nan insurer to deepen ties pinch firm clients and financial institutions, he said. 

Ciputra Life has digitised astir front-end operations, enabling claims and argumentation updates via  WhatsApp and email. The institution is processing an integrated integer level combining e claims, e-policy, and information analytics to trim manual processing and amended accessibility. 

As of September 2025, Ciputra Life’s equity stood astatine $16.6m (IDR 278b), remaining supra nan minimum superior required by Indonesia’s Financial Services Authority. Total assets reached  $74.2m (IDR 1.23t), continuing their dependable emergence from $59.7m (IDR 997b) successful 2024, while finance assets grew to $60.1m (IDR 1.00t) from $48.9m (IDR 817b) a twelvemonth earlier, and full premium income amounted to $21.9m (IDR 365b). 

About two-thirds of its portfolio now comes from outer partnerships, up from 40% 2 years ago. “Both soul and outer businesses are growing, but description extracurricular nan group has accelerated faster,” Hengky said. 

The insurer is besides expanding its microinsurance programme by offering yearly premiums starting astatine $0.90 (IDR 15,000). Distributed done schools and organization groups, nan merchandise improves security entree and consciousness among lower-income households. 

Indonesia’s life security penetration remains beneath 3% of gross home product, leaving important room for growth. 

Ciputra Life expects to seizure much of that marketplace done a operation of firm partnerships, digitalisation, and inclusive products aimed astatine first-time policyholders, Hengky said.

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