Top 10 Best InsurTech Companies in Indonesia 2026
With traditional insurance penetration under 3% in Indonesia, modern InsurTech firms are disrupting the financial ecosystem. These digital platforms provide micro-insurance products, embedded policy coverage for e-commerce and ride-hailing purchases, and automated claims processes to make health, motor, and property insurance accessible to all socio-economic groups.
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Beginner’s Guide to Choosing the Best InsurTech Companies in Indonesia
Technology is changing how people access, purchase, and manage insurance. Digital platforms have made it easier to compare policies, submit claims, and manage coverage without relying entirely on traditional processes. This is why InsurTech companies are becoming increasingly important in Indonesia’s insurance industry. They combine technology with insurance services to improve accessibility and customer experience. Choosing the best InsurTech companies in Indonesia requires considering their solutions, reliability, and ability to meet different insurance needs.
What is an InsurTech?
InsurTech, or insurance technology, refers to the use of digital tools and modern technology to improve how insurance services are provided and managed. It combines software, data analytics, and online platforms to simplify insurance processes. InsurTech services may include digital policy applications, online premium payments, automated claims processing, risk assessment, and policy management. These solutions help customers compare insurance products, purchase coverage, and manage policies more conveniently. They also help insurance businesses improve efficiency and customer experience.
Why Do You Need an InsurTech Companies in Indonesia?
Using InsurTech services in Indonesia makes it easier to explore, compare, and purchase insurance policies that suit your needs. You benefit from convenient digital access, simpler applications, and faster policy management without relying entirely on traditional insurance processes.
InsurTech platforms also help you manage policies, submit claims, and access insurance information online. You gain greater convenience, improved transparency, and easier access to coverage options, helping you make informed decisions about protecting your health, property, and finances.
Where Can I Find the Best InsurTech Companies in Indonesia?
Finding the right InsurTech company in Indonesia depends on your insurance needs, budget, and preferred services. With various providers offering digital insurance solutions, it is important to compare their products, technology, reliability, and customer support. Consider the type of coverage you need and your priorities before choosing a suitable provider.
To make your search easier, we have compiled a list of the top 10 best InsurTech companies in Indonesia. This guide includes essential information about each company to help you compare your options and find the right insurance technology partner for your needs.
Here are the Best InsurTech Companies in Indonesia
Explore the best InsurTech companies in Indonesia and compare their digital insurance services, innovative solutions, and industry expertise. Find the right provider to meet your insurance needs.
PasarPolis
| Company Name: | PasarPolis (PT Pasarpolis Indonesia) |
| Website: | pasarpolis.com |
| Email Address: | cs@pasarpolis.co.id |
| Address: | One Pacific Place, Jl. Jenderal Sudirman SCBD No.kav 52-53 10th Floor, RT.5/RW.3, Senayan, Kec. Kby. Baru, Jakarta, Daerah Khusus Ibukota Jakarta 12190, Indonesia |
| Key Services: | Embedded micro-insurance for gig economy platforms, digital policy aggregation, instant claims automation, and consumer travel, health, and vehicle coverage. |
Fuse
| Company Name: | Fuse (PT Fuse Teknologi Indonesia) |
| Website: | fuse.co.id |
| Email Address: | cs@fuse.co.id |
| Address: | Sona Topas Tower Floor 12A JI. Jenderal Sudirman.Kav 26 4, RT.4/RW.2, Kuningan, Karet Kuningan, Kecamatan Setiabudi, Kota Jakarta Selatan, RT.10/RW.1, Kuningan, Karet, Kecamatan Setiabudi, Jakarta, Daerah Khusus Ibukota Jakarta 12920, Indonesia |
| Key Services: | Mobile insurance distribution app for agents and brokers, multi-insurer policy comparison, digital quote generation, and auto, property, life, and health insurance processing. |
Qoala
| Company Name: | Qoala (PT Bansea Teknologi Indonesia) |
| Website: | qoala.app/id |
| Email Address: | cs@qoala.id / support@qoala.id |
| Address: | RDTX Square, Jl. Prof. DR. Satrio No.164 Lt 7, RT.3/RW.4, Karet, Kecamatan Setiabudi, Jakarta, Daerah Khusus Ibukota Jakarta 12930, Indonesia |
| Key Services: | Digital consumer insurance marketplace, automated claims processing, omnichannel distribution, and specialized gadget, motor, travel, and health insurance plans. |
CekAja
| Company Name: | CekAja (PT Cekaja Utama Indonesia) |
| Website: | cekaja.com |
| Email Address: | cs@cekaja.com |
| Address: | GoWork Coworking Space, XL Axiata Tower, Jl. H. R. Rasuna Said No.Kav 11-12 Lt.10, RT.7/RW.2, Kuningan, Kecamatan Setiabudi, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12950, Indonesia |
| Key Services: | Financial aggregator portal, online policy comparison, direct application processing for auto, health, and personal accident insurance, and financial product guidance. |
Rey Assurance
| Company Name: | Rey Assurance (PT Rey Ultima Sejahtera) |
| Website: | rey.id |
| Email Address: | cs@rey.id |
| Address: | Sampoerna Strategic Square, Jl. Jenderal Sudirman No.45-46 Lantai 19, RT.3/RW.4, Karet Semanggi, Kecamatan Setiabudi, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12930, Indonesia |
| Key Services: | Subscription-based health insurance, integrated telemedicine services, wellness tracking rewards, digital outpatient care coverage, and micro-life insurance. |
Lifepal
| Company Name: | Lifepal (PT Lifepal Services Indonesia) |
| Website: | lifepal.co.id |
| Email Address: | support@lifepal.co.id |
| Address: | CIBIS Tower, Jl. TB Simatupang No.2 9, 17th Floor, RT.13/RW.5, Cilandak Tim., Ps. Minggu, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12560, Indonesia |
| Key Services: | Direct-to-consumer digital insurance marketplace, personalized policy consultations, claims assistance, and comprehensive auto, health, and life insurance comparisons. |
Igloo
| Company Name: | Igloo (Axinan Indonesia) |
| Website: | iglooinsure.com |
| Email Address: | cs.id@iglooinsure.com |
| Address: | Jl. DR. Ide Anak Agung Gde Agung Unit A, Floor 23, RT.1/RW.2, Kuningan, East Kuningan, Setiabudi, Jakarta, 12950, Indonesia |
| Key Services: | AI-powered embedded insurance for e-commerce, parametric transit insurance, weather-index crop insurance for farmers, and micro-protection plans. |
Cermati
| Company Name: | Cermati (PT Dwi Cermat Indonesia) |
| Website: | cermati.com |
| Email Address: | cs@cermati.com |
| Address: | Jl. Tomang Raya No.38 5, RT.5/RW.1, Jatipulo, Kec. Palmerah, Kota Jakarta Barat, Daerah Khusus Ibukota Jakarta 11430, Indonesia |
| Key Services: | Financial technology portal, embedded micro-insurance checkout, transparent motor and health insurance distribution, and online policy management. |
Roojai Indonesia
| Company Name: | Roojai Indonesia (PT Roojai Insurance Indonesia) |
| Website: | roojai.co.id |
| Email Address: | info@roojai.co.id |
| Address: | Cibis Tower, Jl. TB Simatupang No.2 9, 17th Floor, RT.13/RW.5, Cilandak Tim., Ps. Minggu, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12560, Indonesia |
| Key Services: | Online direct-to-consumer auto insurance, customizable coverage plans, digital video inspection for car policies, and fast-track claims management. |
Aman
| Company Name: | Aman (PT Insurtech Technologies Indonesia / PT Aman Technologies Indonesia) |
| Website: | liveaman.com |
| Email Address: | melinda@liveaman.com |
| Address: | Kawasan, Jl. Mega Kuningan Barat Jl. DR. Ide Anak Agung Gde Agung No.1 5, RT.5/RW.2, Kuningan, Kuningan Tim., Kecamatan Setiabudi, Kota Jakarta Selatan, Daerah Khusus Ibukota Jakarta 12950, Indonesia |
| Key Services: | Digital employee health benefits platform, automated claims management and tracking, group health and life insurance administration, and corporate wellness solutions. |
End of List on the Top 10 Best InsurTech Companies in Indonesia
Disclaimer: The companies featured in this Top 10 Best InsurTech Companies in Indonesia list have been carefully selected based on their scope of services, industry expertise, and customer reviews. However, Indonesia Brands does not endorse or guarantee the quality of services provided by these businesses. We do not take responsibility for their business operations, transactions, or any issues that may arise from engagements with them. Readers are advised to conduct their own due diligence before making any hiring or purchasing decisions.
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Conclusion
Choosing the right service provider is a crucial decision that impacts your satisfaction, investment, and overall experience. The Top 10 Best Services in Indonesia featured in this guide have been carefully selected based on their expertise, service quality, and customer satisfaction.
Key Takeaways
✓ Do Your Research – Review customer feedback and compare multiple service providers before deciding.
✓ Set Clear Expectations – Communicate your needs, budget, and timeline clearly with your chosen provider.
✓ Quality Over Price – Prioritize quality service and reliability to avoid disappointments down the line.
✓ Check Credentials – Ensure your chosen provider has proper licenses and a solid track record.
Whether you’re looking for premium solutions or budget-friendly options, the services listed here offer diverse expertise to meet your specific needs and preferences.
Ready to get started? Reach out to any of the featured services above to schedule a consultation and take the first step toward achieving your goals.
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