Indonesia

Inclusion and policy support fuel growth.

Preference for domestic brands dropped from 57% in 2024 to 33% in 2025.

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Traditional policies made up 63% of total premiums and posted 7% growth in H1 2025.

Wealth management is a key part of the shift. 

The big boss credits their edge to diversity: over a third of senior roles are women.

The service aims to extend broadband beyond fibre coverage.

It aims to reach 1 gigawatt of installed capacity within two to three years.

Insured lives climbed 12.8% to 151.56 million by September 2025.

The company responded to safety and data challenges by deploying a unified AI-based solution across its vessels and terminals.

HSB collects ground-level fraud signals that are captured in standardised entries. 

The market no longer rewards capacity expansion.

The recognition highlighted an EV-specific insurance programme addressing protection gaps for electric vehicle owners in Indonesia.

Processing is now completed in less than 24 hours.

The company deepened employee involvement through structured community engagement and knowledge-sharing activities.

The company delivered measurable improvements in production, safety, and operational efficiency through leadership-led transformation and structured digital adoption.