Shadiq Akasya - BNI Life

Pengembangan
Digital Insurance
Oleh:
Shadiq Akasya
President Director PT BNI Life Insurance
1
Content List
01
Background
02
Digital Insurance Definition
03
Digital Insurance Development Process
04
Tantangan dan Risiko Digital Insurance
Dampak Pandemi Pada Asuransi Jiwa
Penurunan daya beli Pembatasan aktivitas bisnis

masayarakat (PSBB, WFH) Kesulitan tatap muka
Potensi peningkatan klaim Tantangan mempertahankan Preferensi customer untuk

persistency shifting ke digital
1
Pengembangan Bisnis Digital
E-Commerce & Market Place Usage Total transaksi e-commerce mencapai

11.9% dari total GDP Indonesia.
Product References
Populasi Searching Transaksi e-commerce di Indonesia
270 juta barang / jasa
secara online
45%
*dalam milyar USD
Source: BPS,2020
Internet Users Doing Task 130
175 juta
penetrasi
Lebih suka
menyelesaikan
11.9%
56%
pekerjaan secara
digital
68%
Wearesocial 2020
Source:
Belanja barang Kominfo,2020
/ jasa secara 1,083
online 40% 88.1%
Perkembangan digital dan e-commerce sangat pesat. Terdapat Transaksi e-commerce Total GDP
175 juta pengguna internet, dimana 45% melakukan
pencarian informasi tentang barang / jasa & 40% melakukan *proyeksi Kominfo pada 2020
pembelian barang / jasa secara online

2
Pergeseran Preferensi Customer
Adopsi Digital Selama Masa Pandemi
Terjadi pergeseran
preferensi nasabah pada
digital services
Customer lebih banyak

melakukan aktivitas non-face to
face. Penurunan jumlah
transaksi & layanan secara face-
to face secara tidak langsung
akan mempengaruhi proses
penjualan, pemberian referral &
cross-selling.
Hal ini menunjukkan perlunya

bisnis melakukan perubahan
bisnis proses ke arah digital.
McKinsey, 2020
3
Digital Insurance Company Definition
Company using a technology-first business model to sell and manage

insurance policies.
Key differents from traditional insurance business model:

• Offering a customer-first business approach
• Omnichannel experiences
• Pricing, risk evaluation, and/or claims handling rely on modern, open
software platforms
• Coverage options are simplified to cater to individuals or families with
less robust insurance needs (Mass, Cheap, Simple, Easy, Impactful,
Customized)
4
PHASE II PHASE III
Digital Process Digital Business
Ecosystem Enablers :
Supporting Environment : • Business Models
• System • Partnerships
• Regulatory • Sales and Marketing
• People
PHASE I PHASE IV
Core Value Proposition Further Development
• Products • Artificial Intelligence
• Service and Channel • Machine Learning
• Branding • Internet of Things
DIGITAL
Transformation 5
1. DISCOVERY 2. REGISTER
Customer as Registrant Scoring Approved

Customer as User understanding Products
(Underwriting)
II. DIGITAL
PROCESS
5. CLAIM 3. PAYMENT
Customer as Claimers Customer as Payer choose

Submitting Claim Application Payment Method
4. POLICY and
services
Customer as Policy Owner gets e-Policy and Service.
6
Referral Scheme The Full Stack
4 Digital Platforms provided with redirecting links to refer
customer purchasing products in Insurance Digital 1
Insurance Companies that have licenses
to built their own Digital Platforms to
Platforms provide unique services and
experiences to their customers
III. DIGITAL
Aggregator/ Marketplace
2 Digital Platforms as Aggregators
BUSINESS
directly offer insurance products and
services to consumers
Intermediaries - Brokers/ Agents

Bundling Scheme Digital Platform as Brokerages/
5 Customer’s Transactions from Digital Platforms will be

3 Licensed Insurance Agents and have
agreements with Insurance
packaged with insurance products companies
7
Tantangan & Risiko Bisnis Digital
Regulation & Industri Data Security

• Regulasi spesifik mengenai • Cyber security & Privacy data
insurtech agar dapat nasabah.
menyesuaikan karena customer
dan pelaku pasar terus melakukan
pengembangan bisnis asuransi
digital
Simple Product Fraud

• Produk yang dipasarkan belum • Cyber crime dan risiko IT yang
dapat memenuhi kebutuhan semakin canggih.
kompleks nasabah • Potensi risiko claim yang masih
• Premi yang dihasilkan masih tinggi.
relatif kecil saat ini.
8
9
Thank You

Shadiq Akasya - BNI Life

Uploaded by

Copyright:

Available Formats

Shadiq Akasya - BNI Life

Uploaded by

Document Information

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Shadiq Akasya - BNI Life

Uploaded by

Copyright:

Available Formats

Pengembangan

Penurunan daya beli Pembatasan aktivitas bisnis

Potensi peningkatan klaim Tantangan mempertahankan Preferensi customer untuk

E-Commerce & Market Place Usage Total transaksi e-commerce mencapai

Internet Users Doing Task 130

pembelian barang / jasa secara online

Adopsi Digital Selama Masa Pandemi

Customer lebih banyak

Hal ini menunjukkan perlunya

Company using a technology-first business model to sell and manage

Key differents from traditional insurance business model:

Customer as Registrant Scoring Approved

Customer as Claimers Customer as Payer choose

Customer as Policy Owner gets e-Policy and Service.

Intermediaries - Brokers/ Agents

5 Customer’s Transactions from Digital Platforms will be

Regulation & Industri Data Security

Simple Product Fraud

You might also like