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Sanggahan dan Batasan Tanggung Jawab Disclaimer and Scope of Responsibility Laporan Tahunan 2025 PT Lippo General Insurance Tbk The 2025 Annual Report of PT Lippo General Insurance (yang selanjutnya disebut “LGI” atau “Perseroan”) ini Tbk (hereinafter referred to as “LGI” or “the Company”) disusun untuk memenuhi ketentuan pelaporan hasil kinerja was prepared to meet the requirements of reporting Perseroan pada periode 1 Januari 2025 sampai dengan the Company’s performance results for the period 31 Desember 2025 kepada regulator dan pemangku of January 1st, 2025, to December 31st, 2025, to kepentingan. Laporan Tahunan ini, antara lain disusun the regulator and stakeholders. This Annual Report, has been berdasarkan Peraturan OJK No. 29/POJK.04/2016 compiled based on OJK Regulation No. 29/POJK.04/2016 tentang Laporan Tahunan Emiten atau Perusahaan Publik on Annual Reports of Issuers or Public Companies dengan muatan konten sesuai Surat Edaran Otoritas Jasa with contents in accordance with OJK Circular Letter Keuangan No. 16/SEOJK.04/2021 tentang Bentuk dan Isi No. 16/SEOJK.04/2021 on the Form and Content of Annual Laporan Tahunan Emiten atau Perusahaan Publik. Report of Issuers or Public Companies. Laporan Tahunan ini memuat pernyataan terkait tujuan, This Annual Report contains statements related to kebijakan, rencana, strategi, serta hasil operasi dan objectives, policies, plans, strategies, and financial and keuangan yang disusun berdasarkan data faktual yang operational results compiled based on justifiable factual dapat dipertanggungjawabkan kebenarannya. Selain itu, data. In addition, this Annual Report also presents Laporan Tahunan ini juga menyajikan informasi terkait information related to the Company’s performance proyeksi kinerja Perseroan di tahun selanjutnya yang projections for the upcoming year compiled based on disusun berdasarkan pernyataan-pernyataan prospektif prospective statements and various assumptions regarding dan berbagai asumsi mengenai kondisi dan proyeksi the Company’s conditions and future projections, as well as di masa datang Perseroan, serta lingkungan bisnis the related business environment, and therefore, the actual yang terkait, sehingga tidak menutup kemungkinan development may differ materially from what was reported. perkembangan aktual secara material berbeda dari yang Therefore, the Company urges stakeholders to use dilaporkan. Oleh karena itu, Perseroan mengimbau agar the information with discretion in their decision making. pemangku kepentingan dapat menggunakan informasi tersebut secara bijak dalam pengambilan keputusan.
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Tahun 2025 menjadi fase lanjutan dari penguatan ketangguhan LGI, di mana daya
lenting yang telah terbentuk tidak hanya dimanfaatkan untuk menjaga stabilitas, tetapi
dikonversi menjadi akselerasi peningkatan kualitas dan pertumbuhan yang lebih terarah.
Fokus utama diarahkan pada penyempurnaan fundamental bisnis melalui penguatan
underwriting, manajemen risiko, tata kelola, serta optimalisasi efisiensi operasional guna
menjaga profitabilitas yang sehat dan berkelanjutan.
Seiring dengan itu, LGI mendorong pengembangan portofolio pada lini Asuransi
Kesehatan, Property & Casualty (P&C), Asuransi Kredit, dan Asuransi Digital, didukung
peningkatan kapabilitas sumber daya manusia dan penguatan infrastruktur teknologi
yang semakin terintegrasi. Transformasi digital dan kolaborasi strategis terus diperluas
untuk memastikan kesiapan dalam menjawab dinamika pasar dan kebutuhan nasabah
yang semakin berkembang.
Di saat yang sama, ruang eksplorasi dibuka secara lebih proaktif melalui inovasi
produk, penetrasi segmen potensial, serta pengembangan model kemitraan baru
guna menciptakan sumber pertumbuhan alternatif. Pendekatan ini menegaskan bahwa
ketangguhan LGI tidak berhenti pada kemampuan bertahan, melainkan berkembang
menjadi fondasi untuk meningkatkan kinerja, memperluas kapasitas, dan menciptakan
nilai jangka panjang secara berkelanjutan.
The year 2025 marked a continuation phase in strengthening LGI’s resilience, in which
the adaptability established was not only utilized to maintain stability, but also converted
into accelerated improvements in quality and more focused growth. The primary focus
was directed toward refining business fundamentals through stronger underwriting, risk
management, governance, and optimized operational efficiency to sustain healthy and
sustainable profitability.
Simultaneously, LGI continued to expand its portfolio across the Health Insurance,
Property & Casualty (P&C), Credit Insurance, and Digital Insurance lines, supported by
the development of human capital capabilities and the strengthening of increasingly
integrated technology infrastructure. Digital transformation and strategic collaborations
were further expanded to ensure readiness in responding to market dynamics and
increasingly evolving customer needs.
At the same time, opportunities for exploration were pursued more proactively through
product innovation, penetration of potential market segments, and the development
of new partnership models to create alternative sources of growth. This approach
emphasizes that LGI’s resilience extends beyond the ability to withstand challenges, but
it has evolved into a foundation for enhancing performance, expanding capacity, and
generating sustainable long-term value.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 1
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Kesinambungan Tema
Theme Continuity
LGI semakin mengokohkan langkah dalam menghadapi
dinamika industri dengan mengusung tema Resilience, yang
mencerminkan ketangguhan, fleksibilitas, dan semangat
untuk terus berkembang. Setelah melalui fase Ambiguity, yang
mencerminkan ketidakpastian akibat perubahan regulasi dan
dinamika industri, LGI kini menerapkan filosofi Coil Spring
untuk memastikan daya lenting yang kuat dalam menghadapi
tekanan. Filosofi ini diwujudkan melalui Spirit of Improvement,
Spirit of Development, dan Spirit of Exploration, yang menjadi
dasar strategi pertumbuhan. 4 pilar utama, yaitu Asuransi
Kesehatan, Asuransi Property & Casualty (P&C), Asuransi
Kredit, dan Asuransi Digital dikembangkan untuk menciptakan
fundamental bisnis yang tangguh dan berkelanjutan. Selain itu,
fokus pada efisiensi keuangan melalui pengelolaan margin,
implementasi IFRS 17, serta transformasi digital melalui aplikasi
eBenefit Health, eBenefit General, dan omni-channel, semakin
memperkuat daya saing. Dengan strategi ini, LGI optimis untuk
terus beradaptasi, berkembang, dan mencapai pertumbuhan
yang lebih kokoh di tengah tantangan industri yang terus
2024 berubah.
LGI is stepping up its pace in facing industry dynamics by
Resilience promoting the theme of Resilience, which reflects toughness,
flexibility, and the spirit to keep growing. Having gone through
the Ambiguity phase, which reflects the uncertainty caused
by regulatory amendments and industry dynamics, LGI is
now applying the Coil Spring philosophy to ensure strong
resilience in facing pressure. This philosophy is realized through
the Spirit of Improvement, Spirit of Development, and Spirit
of Exploration, which form the basis of the growth strategy.
The 4 main pillars of Health Insurance, Property & Casualty
(P&C) Insurance, Credit Insurance, and Digital Insurance are
being developed to create a strong and sustainable business
foundation. In addition, a focus on financial efficiency through
margin management, IFRS 17 implementation, and digital
transformation through eBenefit Health, eBenefit General,
and omni-channel applications will further strengthen
competitiveness. With this strategy, LGI is optimistic that it will
continue to adapt, evolve, and achieve more robust growth
amidst the challenges of an ever-changing industry.
2 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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LGI terus membangun semangat kolaborasi, kerja sama, dan
sinergi antar tim di lingkungan Perseroan dalam mencapai
tujuan bersama, sebagaimana diilustrasikan dengan harmoni
yang dihasilkan oleh sebuah orkestra. Meskipun dihadapkan
pada tantangan dan perubahan yang dinamis, LGI menekankan
pentingnya untuk tetap terus berjuang dan berkembang
dengan membuka potensi dan setiap peluang yang ada.
Dengan menggabungkan pilihan strategi yang tepat dan
kolaborasi strategis antar berbagai pihak, LGI optimis dapat
mencapai kesuksesan yang lebih baik dalam menghadapi
tantangan di masa depan. Optimisme ini juga didukung
dengan upaya LGI yang terus mendorong seluruh karyawan
untuk bersatu, memberikan dorongan dan energi baru, serta
memperkuat sinergi yang telah ada agar dapat menghadapi
perubahan dengan keyakinan, kesiapan, dan komitmen yang
tinggi.
LGI continues to build a spirit of collaboration, cooperation,
and synergy between teams within the Company in achieving
2023 common goals, as illustrated by the harmony produced by
an orchestra. Although faced with dynamic challenges and
changes, LGI emphasizes the importance of continuing to strive
Energizing the Synergy and expand by enhancing potential and every opportunity that
exists. By combining the right choice of strategy and strategic
collaboration between various parties, LGI is optimistic to
achieve better success in facing future challenges. This optimism
is also supported by LGI’s efforts to continue to encourage all
employees to unite, provide new encouragement and energy,
and strengthen existing synergies in order to face changes with
confidence, readiness, and elevated commitment.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 3
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Keunggulan Kompetitif
Competitive Advantage
Di tengah persaingan industri keuangan dan asuransi yang
semakin dinamis, LGI terus berupaya membangun keunggulan
kompetitif yang tidak hanya bersifat jangka pendek, tetapi juga
berkelanjutan. Keunggulan tersebut menjadi faktor kunci dalam
memenangkan kepercayaan pasar, menjaga relevansi usaha,
serta menciptakan pertumbuhan yang konsisten di tengah
perubahan kebutuhan nasabah dan perkembangan regulasi.
Digital
LGI mengembangkan keunggulan kompetitif melalui pendekatan Ecosystem
yang terintegrasi mencakup 2 ekosistem utama, yaitu digital
ecosystem dan sales ecosystem.
Despite the increasingly dynamic competition in the financial
and insurance industries, LGI continues to strive to build DIGITAL
competitive advantages that are not only short-term, but also PARTNERS
sustainable. These advantages are a key factor in earning
market trust, maintaining business relevance, and generating
consistent growth amid evolving customer needs and regulatory
developments.
DIGITAL
LGI develops its competitive advantages through an integrated
EXPERIENCE
approach encompassing 2 main ecosystems, namely the digital
ecosystem and sales ecosystem.
DIGITAL
JOURNEY
Ekosistem Pendukung LGI
LGI Supporting Ecosystem
Sales Ecosystem
FINANCIAL FINANCIAL
AGENT BROKERS
TECHNOLOGY INSTITUTION
Melalui Digital Ecosystem, LGI memanfaatkan teknologi digital untuk Through its Digital Ecosystem, LGI leverages digital technology
menciptakan pengalaman nasabah yang seamless dan efisien, mulai to create seamless and efficient customer experience, starting
dari proses akuisisi polis, layanan klaim, hingga edukasi finansial from policy acquisition, claims services, up to financial education
yang dapat diakses secara real-time melalui berbagai kanal digital. accessible in real time through various digital channels. The utilization
Pemanfaatan data analytics, AI, dan automation juga memperkuat of data analytics, AI, and automation further strengthens LGI’s ability
kemampuan LGI dalam memahami preferensi nasabah dan to understand customers’ preferences and deliver insurance solutions
menghadirkan solusi asuransi yang semakin personal dan relevan. that are increasingly personalized and relevant.
Di sisi lain, Sales Ecosystem LGI terus diperkuat dengan sinergi antar Meanwhile, LGI’s Sales Ecosystem continues to be reinforced
jalur distribusi, baik melalui agent, financial technology, brokers, through synergy across distribution channels, including agents,
dan financial institution, yang saling melengkapi. Pendekatan ini financial technology platforms, brokers, and financial institutions,
memungkinkan LGI untuk menjangkau nasabah dengan lebih which complement one another. This approach enables LGI to
efektif dan memberikan layanan yang lebih responsif serta personal. reach customers more effectively and provide more responsive
Dengan menggabungkan kekuatan teknologi dan jaringan yang luas, and personalized services. By combining technological capabilities
LGI mampu menciptakan sistem yang adaptif terhadap perubahan with an extensive distribution network, LGI is able to build a system
pasar dan kebutuhan nasabah. Sinergi dari berbagai elemen that is adaptive to market dynamics and evolving customers’ needs.
ini menjadi fondasi penting dalam membangun pertumbuhan The synergy among these elements serves as a key foundation for
bisnis yang berkelanjutan dan memberikan nilai lebih bagi seluruh achieving sustainable business growth and delivering added value
pemangku kepentingan. to all stakeholders.
4 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Identitas Perusahaan
Corporate Identity
Tanggal Pendirian
PT Lippo General Insurance Tbk *) Date of Establishment
6 September 1963 / September 6th, 1963
Bidang Usaha Jumlah Aset
Line of Business Total Assets
Asuransi Umum / General Insurance Rp3.121.591.205.147,00
Modal Dasar Dasar Hukum Perubahan Nama
Equity Capital Legal Basis for Name Change
Rp175.000.000.000,00 • PT Maskapai Asuransi Marga Suaka: berdasarkan
Akta No. 46 tanggal 24 Januari 1964 oleh Notaris
John Leonard Waworuntu, S.H.
• PT Asuransi Marga Pusaka: berdasarkan Akta
Kode Saham No. 4 tanggal 1 Oktober 1982 oleh Notaris Misahardi
Wilamarta, S.H.
Share Code • PT Lippo General Insurance: berdasarkan Akta
LPGI No. 118 tanggal 6 Juli 1991 oleh Notaris Misahardi
Wilamarta, S.H.
• PT Maskapai Asuransi Marga Suaka: pursuant to
Deed No. 46 dated January 24th, 1964 by Notary
Dasar Hukum Pendirian John Leonard Waworuntu, S.H.
Legal Basis of Establishment • PT Asuransi Marga Pusaka: pursuant to Deed
No. 4 dated October 1st, 1982 by Notary Misahardi
Akta Pendirian No. 1 tanggal 6 September 1963 Wilamarta, S.H.
atas nama PT Asuransi Brawidjaja yang dibuat oleh • PT Lippo General Insurance: pursuant to Deed
Notaris Adasiah Harahap, S.H. dan telah disahkan No. 118 dated July 6th, 1991 by Notary Misahardi
Menteri Kehakiman RI berdasarkan Surat Keputusan Wilamarta, S.H.
No. J.A.5/19/2 tanggal 4 Februari 1964.
Deed of Establishment No. 1 dated September 6th, 1963
with the name of PT Asuransi Brawidjaja which was
made by Notary Adasiah Harahap, S.H. and was Lembaga Pencatatan dan Perdagangan Saham
ratified by the Minister of Justice of the Republic of Share Registration and Trading Institution
Indonesia as stated in the Decree No. J.A.5/19/2 dated Bursa Efek Indonesia
February 4th, 1964. Jakarta Stock Exchange Building Tower I
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan 12190 - Indonesia
Anggaran Dasar dan Perubahan Terakhir
Articles of Association and Latest Amendment
Sejak didirikan, Akta Perseroan mengalami beberapa kali Kepemilikan Saham
perubahan. Perubahan akta Anggaran Dasar terakhir Shares Ownership
Perseroan adalah Akta No. 91 tanggal 21 Agustus 2024.
Since established, the Company’s Deed has been
amended several times. The latest amendment of Hanwha General Insurance Co. Ltd.
the Company’s Articles of Association was Deed No. 91
dated August 21st, 2024. 61,50%
PT Inti Anugerah Pratama
18,10%
Alamat Kantor
PT Hanwha Life Insurance Indonesia
Office Address
12,86%
Kantor Pusat / Head Office
Lippo Kuningan Building 27th Floor, Unit A & F Masyarakat (di Bawah 5%) / Public (Under 5%)
Jl. H.R. Rasuna Said Kav. B - 12
7,54%
Jakarta Selatan 12940 - Indonesia
: +62 21 525 6161
: secretariat@lgi.co.id
: www.lgi.co.id
Kantor Pusat Operasional / Operational Head Office Jumlah Karyawan
Karawaci Office Park, Block I No. 30-35 Total Employees
Lippo Village, Tangerang 15139 - Indonesia
: +62 21 5579 0683 512 Orang / People
*)
Pada tahun 2025, Perseroan tidak melakukan perubahan nama. / In 2025, the Company did not change its name.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 5
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Tonggak Sejarah Perseroan
Corporate Milestones
6 September 1963 / September 6th, 1963 2 Oktober 2018 / October 2nd, 2018
Perseroan didirikan dengan nama PT Asuransi Brawidjaja. Digitalisasi Perseroan secara menyeluruh.
The Company was established under the name of Transformed into a fully digitalized Company.
PT Asuransi Brawidjaja.
31 Desember 2014 / December 31st, 2014
24 Januari 1964 / January 24 , 1964 th
Perseroan berhasil meningkatkan perolehan premi dari
Perseroan mengubah nama menjadi PT Maskapai Rp319 miliar yang diperoleh selama 28 tahun, menjadi
Asuransi Marga Suaka. Rp1 triliun dalam waktu hanya 4 tahun.
The Company changed its name to PT Maskapai The Company successfully increased premium income
Asuransi Marga Suaka. from Rp319 billion earned in over 28 years to Rp1 trillion
merely in 4 years.
1 Oktober 1982 / October 1st, 1982
Perseroan mengubah nama menjadi PT Asuransi 31 Oktober 2014 / October 31st, 2014
Marga Pusaka.
PT Lippo Life Assurance, Entitas Anak Perseroan
The Company changed its name to PT Asuransi
yang didirikan pada tahun 2010, menjalankan usaha
Marga Pusaka.
di bidang asuransi jiwa dan telah mendapatkan izin
beroperasi dari Otoritas Jasa Keuangan. Per tanggal
27 Maret 2023, kepemilikan saham Perseroan atas
PT Lippo Life Assurance telah dialihkan kepada
1 April 1983 / April 1st, 1983
PT Medika Ekosis Digital (MED).
Perseroan secara resmi mulai beroperasi. PT Lippo Life Assurance, a Subsidiary of the Company
The Company officially commenced operations. established in 2010, operates a life insurance
business and has obtained an operating license from
the Financial Services Authority. As of March 27th, 2023,
the Company’s share ownership of PT Lippo Life
9 Januari 1991 / January 9th, 1991 Assurance has been transferred to PT Medika Ekosis
Perseroan mengubah kedudukan usaha yang semula Digital (MED).
di Surabaya menjadi di Jakarta.
The Company changed its domicile from Surabaya
to Jakarta.
30 Januari 2009 / January 30th, 2009
Perseroan meresmikan logo baru yang mencerminkan
6 Juli 1991 / July 6th, 1991 pengembangan yang berfokus pada peningkatan
kualitas layanan.
Perseroan mengubah nama menjadi PT Lippo General The Company inaugurated new logo that reflects
Insurance. development focused on improvement.
The Company changed its name to PT Lippo General
Insurance.
22 Juli 1997 / July 22nd, 1997
21 April 1997 / April 21st, 1997 Perseroan melakukan penawaran saham perdana dengan
mencatatkan saham di Bursa Efek Indonesia.
Perseroan menjadi Perusahaan Terbuka dengan nama
PT Lippo General Insurance Tbk. The Company conducted initial public offering by listing
shares on the Indonesia Stock Exchange.
The Company became a Public Company under
the name of PT Lippo General Insurance Tbk.
1963 - 1997 1997 - 2018
6 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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31 Desember 2020 / December 31st, 2020 29 Desember 2025 / December 29th, 2025
Perseroan berhasil meningkatkan perolehan premi bruto
sebesar 14,51% di tengah penurunan premi industri Pengalihan sebagian saham LGI sebanyak 46,60%
asuransi umum sebesar 4,04%. dari PT Hanwha Life Insurance Indonesia kepada
The Company has successfully increased its gross Hanwha General Insurance Co. Ltd (HGI) menjadikan
premium by 14.51% amidst the decline in the general posisi HGI sebagai Pemegang Saham Pengendali LGI.
insurance industry premium of 4.04%. Posisi HGI sebagai salah satu perusahaan asuransi
umum terkemuka di Korea Selatan diharapkan dapat
memperkuat ketahanan LGI dalam menghadapi
dinamika industri asuransi di Indonesia yang semakin
1 Maret 2021 / March 1st, 2021 kompetitif dan kompleks. Dukungan dari HGI tidak
Perseroan mengulang keberhasilan eBenefit Health, hanya mencakup penguatan permodalan, tetapi juga
aplikasi yang digunakan untuk nasabah asuransi transfer pengetahuan, penerapan praktik terbaik, serta
kesehatan, di mana eBenefit General, diperkenalkan peningkatan kapabilitas manajemen risiko dan inovasi
untuk nasabah asuransi umum. produk. Dengan demikian, sinergi ini diharapkan
The Company repeated the success of eBenefit mampu mendorong peningkatan daya saing LGI
Health, an application used by health insurance sekaligus memperluas peluang pertumbuhan yang
customers, where eBenefit General is introduced to berkelanjutan di pasar domestik.
general insurance customers. The transfer of 46.60% of LGI shares from PT Hanwha
Life Insurance Indonesia to Hanwha General Insurance
Co. Ltd (HGI) made HGI's position as LGI's Controlling
Shareholder. HGI's position as one of the leading general
31 Desember 2021 / December 31st, 2021
insurance companies in South Korea is expected to
Perseroan berhasil meningkatkan perolehan premi strengthen LGI's resilience in facing the increasingly
bruto sebesar 28,00% sementara pencapaian premi competitive and complex dynamics of the insurance
asuransi umum bertahan di posisi yang sama, seperti industry in Indonesia. HGI's support includes not only
tahun sebelumnya. capital strengthening, but also knowledge transfer,
The Company managed to increase its gross premium implementation of best practices, and enhancement
by 28.00% while the achievement of general of risk management capabilities and product
insurance premiums remained in the same position as innovation. Thus, this synergy is expected to drive LGI's
the previous year. competitiveness while expanding sustainable growth
opportunities in the domestic market.
3 Agustus 2022 / August 3rd, 2022
17 September 2024 / September 17th, 2024
Perseroan melakukan aksi korporasi penambahan
modal disetor sesuai dengan Peraturan OJK Perseroan telah melakukan aksi korporasi berupa
No. 67/POJK.05/2016 menjadi Rp150 miliar melalui pemecahan saham (stock split) dengan rasio 1:10
pembagian saham bonus. sebagai bagian dari strategi untuk meningkatkan
likuiditas saham di pasar. Selain itu, pemecahan
The Company conducted a corporate action to paid-
saham ini diharapkan dapat menjadikan harga saham
in capital increase in accordance with OJK Regulation
Perseroan lebih terjangkau, sekaligus mendorong
No. 67/POJK.05/2016 became to Rp150 billion through
partisipasi pasar yang lebih luas serta meningkatkan
the distribution of bonus shares.
daya tarik saham Perseroan di Bursa Efek Indonesia.
The Company executed a corporate action in the form
of a stock split with a ratio of 1:10 as part of a strategy to
29 Maret 2023 / March 29th, 2023 increase stock liquidity in the market. This stock split is
Pengambilalihan Perseroan oleh Hanwha General also expected to make the Company’s share price more
Insurance Co. Ltd. dan PT Hanwha Life Insurance affordable, thus, encouraging wider market participation
Indonesia. PT Hanwha Life Insurance Indonesia and increasing the attractiveness of the Company’s
ditetapkan sebagai Pemegang Saham Pengendali. shares on Indonesia Stock Exchange.
The takeover of the Company by Hanwha General
Insurance Co. Ltd. and PT Hanwha Life Insurance
Indonesia. PT Hanwha Life Insurance Indonesia was
designated as the Controlling Shareholder.
2020 - 2023 2024 - 2025
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 7
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Daftar Isi
Table of Contents
Profil Komite di Bawah Dewan Komisaris / Profile of Committees 92
Under the Board of Commissioners
Sanggahan dan Batasan Tanggung Jawab / Disclaimer i Profil Komite di Bawah Direksi / Profile of Committees Under 94
and Scope of Responsibility the Board of Directors
Kesinambungan Tema / Theme Continuity 2 Profil Sekretaris Perusahaan / Profile of Corporate Secretary 108
Keunggulan Kompetitif / Competitive Advantage 4 Profil Kepala Unit Audit Internal / Profile of Head of the Internal 108
Audit Unit
Identitas Perusahaan / Corporate Identity 5 Personel Kunci / Key Personnel 109
Tonggak Sejarah Perseroan / Corporate Milestones 6 Sumber Daya Manusia / Human Resources 117
Daftar Isi / Table of Contents 8 Employee Wellness Program 121
Komposisi Pemegang Saham / Shareholders Composition 126
Pemegang Saham Utama dan Pengendali / Main and Controlling 128
Shareholders
Kilas Kinerja 2025
Kronologi Pencatatan Saham / Listing of Shares Chronology 128
2025 Performance Highlight
Kronologi Pencatatan Efek Lainnya / Chronological Listing of 129
Other Securities
Ikhtisar Data Keuangan Penting / Key Financial Highlights 12
Daftar Entitas Anak, Perusahaan Asosiasi, dan Perusahaan 129
Ikhtisar Saham / Shares Highlights 14 Ventura / List of Subsidiaries, Associated Companies, and
Joint Ventures
Ikhtisar Pencatatan Efek Lainnya / Other Securities Highlights 15
Lembaga dan Profesi Penunjang Pasar Modal / Capital Market 130
Aksi Korporasi / Corporate Actions 15 Supporting Institutions and Professions
Informasi Perdagangan Saham / Share Trading Information 15 Akses Informasi dan Data Perusahaan / Access of Information 132
and Company’s Data
Rangkaian Peristiwa / Series of Events 16 Wilayah Operasional / Operational Area 133
Penghargaan dan Sertifikasi / Awards and Certifications 40 Alamat Kantor dan Layanan / Office Address and Services 134
Reasuradur Utama Perseroan / The Company's Main Reinsurers 42 Informasi pada Situs Web Perusahaan / Information on 136
the Company’s Website
Keanggotaan Asosiasi / Association Membership 43
Analisis dan Pembahasan Manajemen
Laporan Manajemen
Management Discussion and Analysis
Management Report
Tinjauan Ekonomi dan Industri / Economy and Industry Overview 140
Laporan Dewan Komisaris / Report of the Board of Commissioners 46
Tinjauan Operasional / Operational Overview 142
Laporan Direksi / Report of the Board of Directors 52
Aspek Pemasaran / Marketing Aspects 144
Tanggung Jawab Laporan Tahunan / Annual Report Responsibility 63
Tinjauan Keuangan / Financial Overview 145
Laporan Posisi Keuangan / Statements of Financial Position 145
Laporan Laba Rugi dan Penghasilan Komprehensif Lain / 147
Statements of Profit or Loss and Other Comprehensive Income
Profil Perusahaan
Company Profile Laporan Arus Kas / Statements of Cash Flows 149
Rasio Keuangan / Financial Ratio 150
Riwayat Singkat / Brief History 66 Kemampuan Memenuhi Kewajiban / Ability to Meet Obligations 150
Visi dan Misi / Vision and Mission 68 Tingkat Kolektibilitas Piutang / Receivables Turnover Ratio 151
Nilai dan Budaya Perusahaan / Corporate Values and Culture 69 Struktur Modal / Capital Structure 152
Bidang Usaha / Line of Business 70 Tingkat Kesehatan Perseroan / Company Soundness Level 153
Produk dan Layanan / Products and Services 71 Realisasi Penggunaan Dana Hasil Penawaran Umum / 153
Realization of Use of Proceeds from Public Offering
Struktur Organisasi / Organizational Structure 78
Program Kepemilikan Saham oleh Manajemen dan/atau 154
Profil Dewan Komisaris / Profile of the Board of Commissioners 80 Karyawan / Management and/or Employees Share
Ownership Program
Profil Direksi / Profile of the Board of Directors 88
8 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 11
Ikatan Material untuk Investasi Barang Modal / 154 Komite Pemantau Risiko / Risk Oversight Committee 254
Material Commitments for Capital Goods Investment
Komite Kebijakan Tata Kelola Perusahaan / Good Corporate 257
Investasi Barang Modal / Capital Goods Investment 154 Governance Committee
Informasi Material terkait Investasi, Ekspansi, Divestasi, 155 Komite di Bawah Direksi / Committees Under the Board of 260
Penggabungan/Peleburan Usaha, Akuisisi, dan Restrukturisasi Directors
Utang/Modal / Material Information on Investment, Expansion,
Divestment, Business Merger/Consolidation, Acquisition, and Komite Investasi / Investment Committee 260
Debt/Capital Restructuring Restructuring Komite Pengembangan Produk / Product Development 263
Committee
Transaksi Material yang Mengandung Benturan Kepentingan 156
atau Transaksi dengan Pihak Afiliasi/Pihak Berelasi /
Material Transactions Containing Conflict of Interest or
Komite Medis / Medical Committee 266
Transactions with Affiliated/Related Parties Komite Pengarah Teknologi Informasi / Information Technology 270
Steering Committee
Informasi Keuangan yang Mengandung Kejadian yang 159
Sifatnya Luar Biasa dan Jarang Terjadi / Financial Information Komite Manajemen Risiko / Risk Management Committee 273
Containing Extraordinary and Non-Recurring Events
APU PPT & PPPSPM / AML - CFT & CPF 276
Perbandingan Target dan Realisasi 2025, serta Proyeksi 159
2026 / Comparison of 2025 Target and Realization, and 2026 Unit Anti-Fraud / Anti-Fraud Unit 281
Projection
Unit Pelindungan Konsumen dan Masyarakat / Consumer and 285
Kebijakan dan Pembagian Dividen / Dividend Policy and 160 Public Protection Unit
Distribution
Unit Corporate Social Responsibility / Corporate Social 289
Perubahan Kebijakan Akuntansi / Amendments to Accounting 161 Responsibility Unit
Principles
Unit Edukasi Literasi dan Inklusi Keuangan / Financial Literacy 291
Perubahan Peraturan Perundang-Undangan yang Berdampak 161 and Inclusion Education Unit
Signifikan terhadap Perusahaan / Amendments to Laws and
Regulations that have Significant Impact on the Company Unit Asset & Liability Management / Asset & Liability 294
Management Unit
Peristiwa Penting dan Informasi Material setelah Tanggal 163
Laporan Keuangan / Significant Events and Material Unit Aksi Keuangan Berkelanjutan / Sustainable Financial 296
Information Subsequent to the Date of the Financial Action Unit
Statements Unit Pelindungan Data Pribadi / Personal Data Protection Unit 300
Prospek Usaha Tahun 2026 / Business Prospects in 2026 163 Sekretaris Perusahaan / Corporate Secretary 305
Strategi Pengembangan Bisnis Tahun 2026 / Business 164 Unit Audit Internal / Internal Audit Unit 308
Development Strategy for 2026
Informasi Kelangsungan Usaha / Information on 167
Sistem Pengendalian Internal / Internal Control System 314
Business Continuity Sistem Manajemen Risiko / Risk Management System 319
Insider Trading / Insider Trading 333
Akuntan Publik / Public Accountant 334
Pedoman Etika dan Perilaku / Code of Conduct 336
Tata Kelola Perusahaan
Corporate Governance Pedoman Benturan Kepentingan / Conflict of Interest Guidelines 339
Perkara Hukum dan Sanksi Administratif / Legal Cases and 339
Administrative Sanctions Faced
Komitmen Penerapan Tata Kelola Perusahaan / Commitment to 170
Implementing Corporate Governance Kepatuhan Pembayaran Pajak / Tax Payment Compliance 341
Struktur Tata Kelola Perusahaan / Corporate Governance 172 Transparansi Kondisi Keuangan dan Non-Keuangan / 341
Structure Transparency of Financial and Non-Financial Conditions
Penerapan atas Pedoman Tata Kelola Perusahaan Terbuka / 174 Pengelolaan Anti-Korupsi dan Gratifikasi / Anti-Corruption and 342
Implementation of Corporate Governance Guideline Gratuity Management
for Public Companies
Sistem Pelaporan Pelanggaran / Whistleblowing System 342
Evaluasi Praktik Tata Kelola Perusahaan / Evaluation on the 179
Corporate Governance Practice Rencana Strategis Perusahaan / Company’s Strategic Plans 345
Rapat Umum Pemegang Saham / General Meeting of 182
Shareholders
Dewan Komisaris / Board of Commissioners 203
Direksi / Board of Directors 218
Remunerasi Dewan Komisaris dan Direksi / Board of 242 Tanggung Jawab Sosial dan Lingkungan
Commissioners and Board of Directors Remuneration Social and Environmental Responsibility
Hubungan Afiliasi Dewan Komisaris dan Direksi / Board of 244
Commissioners and Board of Directors Affiliated Relationship
Ikhtisar Keberlanjutan / Sustainability Highlights 352
Komite di Bawah Dewan Komisaris / 246
Committees Under the Board of Commissioners
Komite Audit / Audit Committee 246
Komite Remunerasi dan Nominasi / 249 Laporan Keuangan
Remuneration and Nomination Committee
Financial Statement
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 9
Page 12
KILAS KINERJA
2025
2025 Performance Highlight
Pendapatan
20,47% atau / or Rp640,58
Jasa Asuransi
Insurance Service 2025 Rp3.769,97
Revenues
2024 Rp3.129,39*)
(miliar / billion)
Laba Tahun Berjalan Jumlah Aset
Profit for the Year Total Assets
125,69% atau / or Rp80,60 27,37% atau / or Rp670,84
2025 Rp144,73 2025 Rp3.121,59
2024 Rp64,13 *)
2024 Rp3.074,04
Rp2.450,75*)
(miliar / billion) (miliar / billion)
Margin Laba Bersih Hasil Investasi
Net Profit Margin Investment Income
2,06% 14,05% atau / or Rp11,98
2025 3,84 2025 Rp97,20
2024 1,78*) 2024 Rp85,22*)
% (miliar / billion)
*)
Data disajikan kembali. / Data restated.
10 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 13
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 11
Page 14
Kilas Kinerja 2025
Ikhtisar Data Keuangan Penting
Key Financial Highlights
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Laporan Posisi Keuangan 2025 2024*) 2023*) Statements of Financial Position
Jumlah Aset 3.121,59 2.450,75 2.354,28 Total Assets
Jumlah Liabilitas 2.093,53 1.550,14 1.505,69 Total Liabilities
Jumlah Ekuitas 1.028,06 900,61 848,60 Total Equity
Jumlah Liabilitas dan Ekuitas 3.121,59 2.450,75 2.354,28 Total Liabilities and Equity
*)
Data disajikan kembali. / Data restated.
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Laporan Laba Rugi dan Penghasilan Statements of Profit or Loss and
2025 2024*)
Komprehensif Lain Other Comprehensive Income
Pendapatan Revenues
Pendapatan Jasa Asuransi 3.769,97 3.129,39 Insurance Service Revenues
Beban Jasa Asuransi (3.424,54) (2.867,35) Insurance Service Expenses
Insurance Service Results Before Reinsurance
Hasil Jasa Asuransi Sebelum Kontrak Reasuransi Milikan 345,43 262,04
Contracts Held
Pendapatan Reasuransi 285,46 195,37 Reinsurance Revenues
Beban Kontrak Reasuransi (510,34) (452,26) Reinsurance Contract Expenses
Beban Neto dari Kontrak Reasuransi Milikan (224,88) (256,89) Net Expenses From Reinsurance Contracts Held
Hasil Jasa Asuransi 120,55 5,15 Insurance Service Results
Hasil Investasi 97,20 85,22 Investment Income
Jumlah Pendapatan 217,74 90,37 Total Revenues
Beban Expenses
Beban Usaha 42,13 29,58 Operating Expenses
Beban Keuangan Asuransi 31,31 19,79 Insurance Finance Expense
Pendapatan (Beban) Keuangan Reasuransi (2,56) 10,13 Reinsurance Finance Income (Expense)
Jumlah Beban 75,99 39,22 Total Expenses
Laba Sebelum Pajak Penghasilan 168,48 77,17 Income Before Tax
Manfaat (Beban) Pajak Penghasilan - Neto (23,75) (13,04) Tax Benefits (Expenses)
Laba Tahun Berjalan 144,73 64,13 Profit for the Year
Jumlah Penghasilan (Beban) Komprehensif Lain, Total Other Comprehensive Income (Expenses),
0,72 (4,02)
Setelah Pajak Net of Tax
Jumlah Laba Komprehensif Tahun Berjalan 145,45 60,11 Total Comprehensive Income for the Year
Nilai Buku Bersih per Saham (dalam Rupiah penuh) 342,69 300,20 Net Book Value per Share (in full Rupiah)
Laba Bersih per Saham Dasar (dalam Rupiah penuh) 48 21 Basic Earnings per Share (in full Rupiah)
*)
Data disajikan kembali. / Data restated.
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Laporan Arus Kas 2025 2024*) 2023*) Statements of Cash Flow
Arus Kas Neto Diperoleh dari (Digunakan untuk) Net Cash Flows Provided by (Used in)
505,35 138,35 (12,07)
Aktivitas Operasi Operating Activities
Arus Kas Neto Diperoleh dari (Digunakan untuk) Net Cash Flows Provided by (Used in)
(489,45) (134,79) 10,68
Aktivitas Investasi Investing Activities
Arus Kas Neto Digunakan untuk Aktivitas Pendanaan (18,00) (9,30) (17,88) Net Cash Flows Used in Financing Activities
Kenaikan (Penurunan) Neto Kas dan Setara Kas (2,10) (5,74) 19,28 Net Increase (Decrease) in Cash and Cash Equivalents
Kas dan Setara Kas pada Awal Tahun 15,39 21,02 40,32 Cash and Cash Equivalents at Beginning of the Year
Kas dan Setara Kas pada Akhir Tahun 13,51 15,39 21,02 Cash and Cash Equivalents at End of the Year
*)
Data disajikan kembali. / Data restated.
12 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 15
2025 Performance Highlight
(dalam % / in %)
Rasio Keuangan 2025 2024*) 2023*) Financial Ratio
Rasio Profitabilitas / Profitability Ratio
Margin Laba Bersih 3,84 1,78 0,84 Net Profit Margin
Rasio Laba Bersih terhadap Jumlah Aset 4,64 1,95 2,06 Net Profit to Total Assets Ratio
Rasio Laba Bersih terhadap Jumlah Ekuitas 14,08 5,81 - Net Profit to Total Equity Ratio
Rasio Hasil Jasa Asuransi 3,70 0,19 - Insurance Service Result Ratio
Rasio Beban Klaim 82,88 85,48 89,45 Claim Expenses Ratio
Rasio Beban Komisi 2,54 3,23 2,82 Commission Expenses Ratio
Rasio Hasil Investasi 4,67 5,59 4,67 Investment Income Ratio
Rasio Likuiditas 167,01 170,13 159,38 Liquidity Ratio
Rasio Solvabilitas / Solvency Ratio
Rasio Pencapaian Solvabilitas 303,99 315,53 331,62 Solvency Ratio
Rasio Liabilitas terhadap Jumlah Aset 67,07 54,51 63,96 Liabilities to Total Assets Ratio
Rasio Liabilitas terhadap Jumlah Ekuitas 203,64 161,97 177,43 Liabilities to Total Equity Ratio
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
Jumlah Aset Jumlah Liabilitas Jumlah Ekuitas
Total Assets Total Liabilities Total Equity
3.121,59
2.354,28 2.450,75
2.093,53
1.505,69 1.550,14
1.028,06
848,60 900,61
2023*) 2024*) 2025 2023*) 2024*) 2025 2023*) 2024*) 2025
(dalam miliar Rupiah / in billion Rupiah) (dalam miliar Rupiah / in billion Rupiah) (dalam miliar Rupiah / in billion Rupiah)
*)
Data disajikan kembali. / Data restated.
Laba Sebelum
Pendapatan Pajak Penghasilan Laba Tahun Berjalan
Revenues Income Before Tax Profit for the Year
18,13
217,74 168,48 144,73
90,37 14,87 77,17 24,88 64,13
2023*) 2024*) 2025 2023*) 2024*) 2025 2023*) 2024*) 2025
(dalam miliar Rupiah / in billion Rupiah) (dalam miliar Rupiah / in billion Rupiah) (dalam miliar Rupiah / in billion Rupiah)
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 13
Page 16
Kilas Kinerja 2025
Ikhtisar Saham
Shares Highlights
Volume Jumlah Saham
Rata-Rata Beredar Kapitalisasi
Tertinggi Terendah Penutupan (Lembar (Lembar Pasar
Periode Saham) Saham)
Highest Lowest Closing Market
Period
(Rp) (Rp) (Rp) Average Total Issued Capitalization
Volume Shares (Rp)
(Shares) (Shares)
2025
Triwulan 1 / Quarter 1 430 292 380 3.375.600 3.000.000.000 1.140.000.000.000
Triwulan 2 / Quarter 2 680 322 456 16.741.100 3.000.000.000 1.368.000.000.000
Triwulan 3 / Quarter 3 545 368 460 19.448.500 3.000.000.000 1.380.000.000.000
Triwulan 4 / Quarter 4 960 456 765 22.248.100 3.000.000.000 2.295.000.000.000
2024
Triwulan 1 / Quarter 1 4.250 3.000 3.660 59.800 300.000.000 1.098.000.000.000
Triwulan 2 / Quarter 2 3.830 2.780 3.240 557.900 300.000.000 972.000.000.000
Triwulan 3 / Quarter 3 4.900 360 376 7.659.100 3.000.000.000 1.128.000.000.000
Triwulan 4 / Quarter 4 400 320 322 9.498.300 3.000.000.000 966.000.000.000
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Shares) Closing Price (Rp)
4.000.000 5.000
4.500
3.500.000
4.000
3.000.000
3.500
2.500.000
3.000
2.000.000 2.500
2.000
1.500.000
1.500
1.000.000
1.000
500.000
500
- -
ov ov
ov ov
ar ar
ar ar
p p
c es
p p
c es
n n
n n
b b
b b
n n
ay ei
n n
ay ei
r r
r r
ct kt
ct kt
g gt
g gt
l l
l l
Ap Ap
Ap Ap
Ju Ju
Ju Ju
Se Se
Se Se
Ju Ju
Ju Ju
Ja Ja
Ja Ja
Fe Fe
Fe Fe
M M
M M
O O
O O
M M
M M
Au A
Au A
De D
De D
N N
N N
2024 2025
Volume Perdagangan (Lembar Saham) Harga Penutupan (Rp)
Trading Volume (Shares) Closing Price (Rp)
Catatan / Note :
Penurunan harga signifikan pada grafik tersebut terjadi karena aksi korporasi stock split pada tanggal 17 September 2024 sehingga harga saham Perseroan mengalami penyesuaian
sesuai dengan aksi korporasi tersebut. / The significant price decrease in the chart occurred due to the stock split corporate action on September 17th, 2024, and thus, the Company's
share price was adjusted in accordance with this corporate action.
14 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 17
2025 Performance Highlight Ikhtisar Pencatatan Efek Lainnya Other Securities Highlights Sampai dengan tahun 2025, LGI tidak menerbitkan efek Until 2025, LGI did not issue securities other than shares, selain saham, baik dalam bentuk obligasi, obligasi konversi, either in the form of bonds, convertible bonds, or sukuk. maupun sukuk. Oleh karena itu, tidak terdapat informasi Therefore, there is no information regarding highlights of mengenai ikhtisar efek lainnya dan kronologi pencatatan other securities and other securities listing chronology. efek lainnya. Aksi Korporasi Corporate Actions Sepanjang tahun 2025, LGI tidak melakukan aksi korporasi, Throughout 2025, LGI did not undertake any corporate baik dalam bentuk pemecahan atau penggabungan saham, actions, either in the form of a split or reverse stock, pembagian dividen saham atau saham bonus, penerbitan distribution of stock dividends or bonus shares, issuance efek konversi, penambahan atau pengurangan modal, serta of convertible securities, capital increase or decrease, or perubahan nilai nominal saham ataupun jumlah saham changes in the nominal value of shares or the number of beredar. outstanding shares. Informasi Perdagangan Saham Share Trading Information Pada tahun 2025, saham Perseroan dengan kode LPGI tidak In 2025, the Company's shares, ticker code LPGI, were not pernah mengalami penghentian sementara (suspension) subject to any suspensions affecting trading activity, nor yang memengaruhi aktivitas perdagangan saham Perseroan were they delisted from IDX. However, the Company did dan juga tidak melakukan penghapusan pencatatan saham receive one sanction regarding its free float shares, which (delisting) di BEI. Namun, Perseroan sempat menerima was successfully resolved on March 17th, 2025. 1 sanksi (sanction) mengenai saham Free Float dan telah diselesaikan dengan baik pada tanggal 17 Maret 2025. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 15
Page 18
Kilas Kinerja 2025
Rangkaian Peristiwa
Series of Events
Speed Adventure Bandung merupakan bentuk apresiasi LGI kepada
24 peserta Mayrathon 2024 melalui eksplorasi alam dan budaya Jawa
Barat, termasuk kunjungan ke Kawah Putih, Bambooberry, Ranca
Upas, dan kebun teh Rancabali, yang ditutup dengan makan malam
kebersamaan.
Speed Adventure Bandung is a form of appreciation by LGI for
24 participants of Mayrathon 2024 through an exploration of
the natural landscape and cultural heritage of West Java, including
visits to Kawah Putih, Bambooberry, Ranca Upas, and Rancabali tea
plantation, which was concluded with a shared dinner session.
12 Januari 2025
January 12th, 2025
Speed Adventure Bandung
LGI memperkenalkan sekaligus melakukan uji coba aplikasi MyGo+
kepada karyawan internal sebagai langkah awal sebelum peluncuran
lebih luas. Dalam perkenalan ini, karyawan diajak untuk berkendara
aman sambil mengumpulkan poin yang bisa ditukar dengan voucher
menarik. Dengan pemantauan skor real-time dan tantangan bulanan,
pengguna dapat berkesempatan meraih hingga 30.000 poin setiap
bulan. Registrasi dapat dilakukan dengan mudah untuk seluruh
pengguna dengan cukup menghubungkan kendaraan dan aplikasi
via bluetooth.
LGI introduced and conducted an internal trial of the MyGo+ application
among its employees as an initial step prior to a broader launch.
During this introduction, employees were encouraged to practice safe
driving while collecting points redeemable for attractive vouchers.
With real-time score monitoring and monthly challenges, users have
13 Januari 2025 the opportunity to earn up to 30,000 points every month. Registration
is made easy for all users by simply connecting their vehicle to
January 13th, 2025 the application via bluetooth.
Perkenalan dan Uji Coba
Aplikasi MyGo+
Launching MyGo+
16 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 19
2025 Performance Highlight
LGI mengadakan Training Session bertemakan Prinsip Dasar Asuransi
di Aula Kantor Pusat. Pelatihan ini membahas definisi asuransi, jenis
risiko, serta 6 prinsip dasar asuransi, yaitu Insurable Interest, Utmost
Good Faith, Indemnity, Proximate Cause, Subrogation, dan Contribution.
Program ini bertujuan untuk memberikan pemahaman mendalam
agar peserta mampu menerapkan konsep asuransi dalam pekerjaan
sehari-hari.
LGI organized a Training Session themed Fundamental Principles of
Insurance at the Head Office Hall. The training discussed the definition
of insurance, types of risks, and 6 fundamental principles of insurance,
namely Insurable Interest, Utmost Good Faith, Indemnity, Proximate
Cause, Subrogation, and Contribution. This program aimed to provide
participants with a comprehensive understanding to enable them to
15 Januari 2025 apply insurance concepts in their daily work.
January 15th, 2025
Basic Insurance - Prinsip Dasar Asuransi
Basic Insurance - Fundamental Principles of Insurance
LGI menyelenggarakan perayaan Natal di Panti Asuhan Mekar Lestari
untuk mengajak peserta berbagi kasih dan pengharapan melalui
ibadah bersama, Hope Tree Ceremony, penampilan anak-anak panti,
serta penyerahan donasi. Acara ditutup dengan doa syafaat dan makan
malam yang mencerminkan semangat kebersamaan dan kepedulian
Insan LGI.
LGI held a Christmas celebration at Mekar Lestari Orphanage to
invite participants to share love and hope through a joint worship
service, Hope Tree Ceremony, children’s performances, and handover
of donations. The event concluded with intercessory prayers and
a shared dinner, reflecting the spirit of togetherness and care among
LGI employees.
17 Januari 2025
January 17th, 2025
Thankful Today for Hopeful Tomorrow
LGI memulai tahun 2025 dengan penuh semangat melalui acara
Kick Off 2025, sebuah momen penting untuk merayakan pencapaian
tahun sebelumnya dan membangkitkan motivasi baru dalam
menghadapi tantangan ke depan. Dengan semangat sinergi dan
kolaborasi, seluruh tim LGI bersatu dalam satu visi untuk terus berinovasi
dan memberikan layanan terbaik di industri asuransi. Bersama, kita siap
melangkah lebih jauh, lebih kuat, dan lebih berdampak.
LGI commenced 2025 with great enthusiasm at the Kick Off 2025 event,
a significant moment to celebrate achievements from the previous
year and to ignite renewed motivation to face future challenges. With
a spirit of synergy and collaboration, the entire LGI team united under
a shared vision to continue innovating and delivering the best services
in the insurance industry. Together, the team is ready to move forward,
more resilient, and bring greater impacts.
24 Januari 2025
January 24th, 2025
Kick Off 2025
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 17
Page 20
Kilas Kinerja 2025
LGI mengadakan pelatihan Marine Insurance Opportunities sebagai
bentuk komitmen dalam memperluas wawasan dan kompetensi
karyawan di bidang asuransi maritim. Dalam sesi ini, peserta diajak
memahami peluang bisnis, risiko pengangkutan laut, serta strategi
perlindungan yang tepat. Pelatihan ini menjadi langkah nyata LGI
dalam menjawab tantangan industri dan memperkuat layanan kepada
nasabah.
LGI conducted a training session titled Marine Insurance Opportunities
as part of its commitment to broadening employees’ insights and
competencies in the marine insurance sector. During the session,
participants explored business opportunities, marine transportation
risks, and appropriate protection strategies. This training represents
a concrete step by LGI in addressing industry challenges and
strengthening customer services.
5 Februari 2025
February 5th, 2025
Training Session: Marine Insurance Opportunities
LGI meluncurkan aplikasi MyGo+ ke publik sebagai inovasi
berbasis telematika yang mendorong kebiasaan berkendara aman
dan bertanggung jawab. Melalui fitur pemantauan skor secara
real-time, tantangan bulanan, dan sistem poin yang dapat ditukar
dengan voucher menarik, pengguna diajak untuk aktif menjaga
keselamatan di jalan. Aplikasi MyGo+ menjadi solusi praktis yang bisa
digunakan oleh seluruh pengemudi dan menjadi langkah nyata LGI
dalam menghadirkan teknologi yang bermanfaat dan menyenangkan.
LGI launched MyGo+ to the public as an innovative telematics-based
application designed to encourage safe and responsible driving habits.
Through the real-time score monitoring feature, monthly challenges,
and points redeemable for attractive vouchers, users are actively
encouraged to prioritize road safety. MyGo+ application serves as
a practical solution accessible to all drivers and represents a tangible
6 Februari 2025 step by LGI in delivering technology that is both beneficial and
engaging.
February 6th, 2025
LGI Meluncurkan MyGo+: Aplikasi Berbasis Telematika
untuk Berkendara yang Lebih Aman
LGI Launches MyGo+:
A Telematics-Based Application for Safer Driving
LGI merayakan hari valentine dengan menggelar acara Love 5K Run
di Lippo Village, Karawaci. Kegiatan ini mengajak peserta untuk menjaga
kebersamaan sekaligus menerapkan gaya hidup sehat melalui lari atau
jalan sejauh 5 Km. Setelah menyelesaikan rute, peserta menikmati
hidangan bersama dan mengikuti sesi seru, seperti pemilihan Best
Valentine Costume dengan hadiah voucher belanja. Acara juga diwarnai
sambutan dari Ibu Luhur Prihatiningrum yang menekankan pentingnya
sportivitas dan hidup sehat. Sebagai penutup, LGI membagikan cokelat
kepada peserta dan mengabadikan momen melalui foto bersama,
menciptakan suasana hangat penuh kebersamaan.
LGI celebrated valentine’s day by organizing Love 5K Run
at Lippo Village, Karawaci. The event encouraged participants to
strengthen togetherness while promoting a healthy lifestyle through
a 5-Km run or walk. Upon completing the route, participants
14 Februari 2025 enjoyed a communal meal and joined fun activities, including
the Best Valentine Costume contest with shopping vouchers as prizes.
February 14th, 2025 The event also featured remarks from Mrs. Luhur Prihatiningrum,
highlighting the importance of sportsmanship and healthy living.
Love 5K Run Gathering
LGI concluded the event by distributing chocolates and capturing
the moment with a group photo, creating a warm and cheerful
atmosphere of togetherness.
18 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
Acara literasi dan inklusi ini merupakan bagian dari komitmen LGI
dalam meningkatkan pemahaman masyarakat terhadap pentingnya
literasi keuangan dan inklusi asuransi. Melalui kegiatan ini, LGI
mengedukasi peserta mengenai manfaat perlindungan asuransi, peran
penting asuransi dalam kehidupan sehari-hari, dan bagaimana asuransi
menjadi solusi dalam perencanaan keuangan yang berkelanjutan.
Acara ini juga menjadi wadah interaktif untuk membangun kesadaran
dan kepercayaan terhadap industri asuransi di Indonesia.
This literacy and inclusion initiative forms part of LGI’s commitment
to enhancing public understanding of the importance of financial
literacy and insurance inclusion. Through this initiative, LGI educated
participants on the benefits of insurance protection, essential role
of insurance in daily life, and how insurance serves as a solution
for sustainable financial planning. This event also functioned as
20 Februari 2025 an interactive platform to build awareness and trust in Indonesia’s
insurance industry.
February 20th, 2025
Literasi Edukasi & Inklusi Keuangan
Financial Literacy Education & Inclusion
LGI berpartisipasi dalam Job Fair Trisakti - Afest 2025 sebagai bentuk
dukungan terhadap pengembangan karier mahasiswa aktuaria. Melalui
booth interaktif dan sesi edukatif, LGI memperkenalkan dunia asuransi,
peluang kerja, dan budaya kerja yang dinamis sekaligus membuka
kesempatan bagi talenta muda untuk bergabung dan berkembang
bersama LGI.
LGI participated in Trisakti Job Fair - Afest 2025 as part of its support
for the career development of actuarial students. Through interactive
booths and educational sessions, LGI introduced the insurance industry,
career opportunities, and its dynamic work culture, while opening
opportunities for young talent to join and grow together with LGI.
22 Februari 2025
February 22nd, 2025
Job Fair Trisakti - Afest (Actuarial Festival)
Trisakti Job Fair - Afest (Actuarial Festival)
LGI mengadakan pelatihan bertemakan Basic Insurance: Risk
Management untuk memperkuat pemahaman peserta mengenai
konsep risiko dan strategi pengelolaan yang efektif. Pelatihan ini
bertujuan meningkatkan kompetensi karyawan dalam mengidentifikasi,
mengevaluasi, dan memitigasi berbagai jenis risiko, sehingga
mampu mendukung pengambilan keputusan strategis dan menjaga
keberlanjutan bisnis perusahaan.
LGI organized a training session themed Basic Insurance: Risk
Management to strengthen participants’ understanding of risk
concepts and effective risk management strategies. This training
aimed to enhance employee competencies in identifying, assessing,
and mitigating various types of risks, thereby supporting strategic
25 Februari 2025 decision-making and maintaining the company’s business sustainability.
February 25th, 2025
Basic Insurance: Risk Management
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 19
Page 22
Kilas Kinerja 2025
LGI mengadakan pelatihan bertemakan Machinery Breakdown
untuk memperkuat pemahaman peserta mengenai risiko kerusakan
mesin dan strategi perlindungan yang tepat. Pelatihan ini bertujuan
meningkatkan kompetensi karyawan dalam menangani polis asuransi
terkait mesin industri dan peralatan penting lainnya.
LGI organized a training session themed Machinery Breakdown to
strengthen participants’ understanding of machinery breakdown risks
and appropriate protection strategies. This training aimed to enhance
employees’ competencies in handling insurance policies related to
industrial machinery and other critical equipment.
26 Februari 2025
February 26th, 2025
Training Session: Machinery Breakdown
LGI mengadakan pelatihan bertemakan Retail Health Product untuk
memperkuat pemahaman peserta mengenai produk asuransi kesehatan
ritel. Pelatihan ini bertujuan membekali karyawan dengan pengetahuan
yang relevan agar mampu memberikan solusi perlindungan kesehatan
yang lebih tepat dan kompetitif kepada nasabah.
LGI organized a training session themed Retail Health Product to
strengthen participants’ understanding of retail health insurance
products. This program aimed to equip employees with relevant
knowledge to enable them delivering more accurate and competitive
health protection solutions to customers.
27 Februari 2025
February 27th, 2025
Training Session: Retail Health Product
LGI mengadakan pelatihan bertemakan Asuransi Kredit untuk
memperkuat pemahaman peserta mengenai perlindungan terhadap
risiko gagal bayar. Pelatihan ini membekali karyawan dengan
pengetahuan tentang struktur polis, proses klaim, dan strategi mitigasi
risiko dalam produk asuransi kredit.
LGI organized a training session themed Credit Insurance to strengthen
participants’ understanding of protection against default risks.
The training equipped employees with knowledge of policy structures,
claims process, and risk mitigation strategies in credit insurance
products.
28 Februari 2025
February 28th, 2025
Training Session: Asuransi Kredit
Training Session: Credit Insurance
20 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI mengadakan pelatihan bertemakan Basic Insurance: Hukum
Asuransi untuk memberikan pemahaman mendalam mengenai
regulasi yang membentuk dasar industri asuransi. Materi ini membantu
karyawan memahami aspek hukum yang penting untuk mendukung
tugas dan tanggung jawab mereka di dunia asuransi.
LGI organized a training session themed Basic Insurance: Insurance
Law to provide participants with an in-depth understanding of
the regulatory framework that underpins the insurance industry.
The material helped employees understand key legal aspects
essential to supporting their roles and responsibilities within
the insurance sector.
20 Maret 2025
March 20th, 2025
Basic Insurance: Hukum Asuransi
Basic Insurance: Insurance Law
Dalam workshop “Mind Mapping”, LGI mengajak peserta untuk
mengembangkan cara berpikir kreatif dan terstruktur melalui
teknik visualisasi ide. Kegiatan ini membantu peserta menyusun
informasi secara lebih sistematis, meningkatkan produktivitas, dan
mempermudah pengambilan keputusan.
Through the “Mind Mapping” workshop, LGI encouraged participants
to develop creative and structured thinking through idea visualization
techniques. The program helped participants organize information
more systematically, improve productivity, and facilitate more effective
decision-making.
25 Maret 2025
March 25th, 2025
Workshop: Mind Mapping
LGI mengadakan pelatihan bertemakan APU PPT & PPPSPM melalui
Microsoft Teams untuk meningkatkan kepatuhan terhadap regulasi
OJK No. 8 Tahun 2023. Pelatihan ini dipandu oleh Bapak Ivo Santri
Lubis dan Ibu Nadia Erlikasna Br. Pandia yang membahas pencegahan
pencucian uang, pendanaan terorisme, penerapan Customer Due
Diligence (CDD), pemantauan transaksi mencurigakan, dan strategi
mitigasi risiko.
LGI organized a training session themed AML - CFT & CPF via
Microsoft Teams to enhance compliance with OJK Regulation
No. 8 of 2023. The training was facilitated by Mr. Ivo Santri Lubis
and Mrs. Nadia Erlikasna Br. Pandia that discussed the prevention of
money laundering and terrorist financing, Customer Due Diligence
(CDD) implementation, monitoring of suspicious transactions, and risk
25 Maret 2025 mitigation strategies.
March 25th, 2025
APU PPT & PPPSPM
AML - CFT & CPF
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 21
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Kilas Kinerja 2025
LGI mengadakan pelatihan bertemakan Terminal Operator Liability
untuk memberikan pemahaman mengenai prinsip dasar asuransi
tanggung gugat operator pelabuhan, risiko operasional, cakupan
polis, dan pertimbangan underwriting. Dalam program ini, materi yang
dibahas mencakup struktur pengelolaan pelabuhan, layanan yang
diasuransikan, risiko akumulasi kargo, contoh kasus Tianjin, wording
polis, serta perbedaan liability vs cargo. Adapun tujuan dari program
ini adalah meningkatkan pemahaman manajemen risiko maritim dan
penerapan asuransi secara lebih efektif.
LGI conducted a training session themed Terminal Operator Liability
to provide participants with an understanding of the fundamental
principles of port operator liability insurance, operational risks,
9 April 2025 policy coverage, and underwriting considerations. In this program,
April 9th, 2025 the material delivered covers port management structures, insured
services, cargo accumulation risks, the Tianjin case study, policy wording,
Training Session - Terminal and the distinction between liability and cargo insurance. The program
Operator Liability aimed to enhance understanding of maritime risk management and
promote more effective insurance applications.
LGI berpartisipasi dalam UPH Career Fair 2025 sebagai bentuk
dukungan terhadap pengembangan karier generasi muda. Melalui
booth interaktif dan sesi edukatif, LGI memperkenalkan dunia asuransi,
peluang kerja, dan budaya kerja yang dinamis kepada para mahasiswa.
LGI participated in UPH Career Fair 2025 as part of its commitment
to supporting the career development of the younger generation.
Through an interactive booth and educational sessions, LGI introduced
students to the insurance industry, career opportunities, and a dynamic
work culture.
9 April 2025
April 9th, 2025
Partisipasi LGI dalam Acara UPH Career Fair 2025
LGI’s Participation in UPH Career Fair 2025
Lihalbi 2025 menjadi momen penuh kebersamaan bagi keluarga
besar LGI untuk saling memaafkan dan mempererat hubungan.
Dengan tema “Harmony in Gratitude, Stronger in Spirit”, acara
ini mengajak seluruh peserta untuk mensyukuri perjalanan yang
telah dilalui dan membangun semangat baru untuk menghadapi
tantangan ke depan.
Lihalbi 2025 served as a meaningful moment of togetherness
for LGI family to seek forgiveness and strengthen relationships.
Under the theme “Harmony in Gratitude, Stronger in Spirit”,
the event invited participants to reflect on the journey undertaken
with gratitude and to build a renewed spirit to face future challenges.
11 April 2025
April 11th, 2025
Lihalbi 2025 - Harmony in Gratitude, Stronger in Spirit
22 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI menyelenggarakan Gathering Partnership di Kota Batam sebagai
upaya memperkuat kolaborasi dengan mitra bisnis. Acara ini menjadi
wadah untuk membangun sinergi, berbagi strategi, dan menciptakan
peluang kerja sama yang lebih solid demi masa depan yang lebih baik.
LGI organized a Partnership Gathering in Batam as an effort to
strengthen collaboration with business partners. The event served as
a platform to build synergy, share strategies, and create more solid
partnership opportunities for a better future.
15 April 2025
April 15th, 2025
Gathering Partnership LGI di Kota Batam
LGI Partnership Gathering in Batam
Dalam rangka memperingati Hari Kartini, LGI menggelar Women’s Fest
sebagai bentuk apresiasi terhadap peran perempuan di dunia kerja.
Acara ini menghadirkan berbagai kegiatan inspiratif yang mendorong
semangat kepemimpinan, pemberdayaan, dan kesetaraan gender di
lingkungan LGI.
In commemoration of Kartini Day, LGI held the Women’s Fest to
express appreciation for women’s roles in the workplace. The event
featured various inspirational activities that encouraged leadership,
empowerment, and gender equality within the LGI environment.
21 April 2025
April 21th, 2025
LGI Women’s Fest - Perayaan Hari Kartini
LGI Women’s Fest - Kartini Day Celebration
LGI mengadakan pelatihan yang membahas pemahaman CDI‑RCI
yang membahas pemahaman CDI-RCI Form mencakup informasi
polis, opsi pembayaran, reimbursement, line of business, program dan
benefit, standar usia, kondisi khusus, struktur member, jenis klaim,
serta ketentuan excess. Dipandu Ibu Maria, sesi ini meningkatkan
kemampuan peserta dalam administrasi polis dan ditutup dengan
tanya jawab serta post‑test.
LGI organized a training session themed CDI-RCI focusing on an
in-depth understanding of the CDI-RCI Form, including policy
information, payment options, reimbursement, lines of business,
programs and benefits, age standards, special conditions, member
structure, types of claims, and excess provisions. Hosted by
Mrs. Maria, the session enhanced participants’ competencies in
policy administration and concluded with a question-and-answer
22 April 2025 session and a post-test.
April 22nd, 2025
Closed Deal Information (CDI) - Renewal Closing Information (RCI)
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 23
Page 26
Kilas Kinerja 2025
LGI mengadakan sesi Introduction to Business Intelligence Platform
di Kantor Pusat sebagai bagian dari upaya penguatan kapabilitas data
internal. Pelatihan ini membekali peserta dengan pemahaman dasar
Business Intelligence serta keterampilan praktis dalam menggunakan
Microsoft Power BI dan Metabase untuk mendukung proses analisis
data dan pengambilan keputusan dalam pekerjaan sehari-hari.
LGI held an Introduction to Business Intelligence Platform session at
the Head Office as part of its efforts to strengthen internal data
capabilities. The training equipped participants with a fundamental
understanding of Business Intelligence as well as practical skills in
using Microsoft Power BI and Metabase to support data analysis and
decision-making in daily work.
24 April 2025
April 24th, 2025
Introduction to Business
Intelligence Platform
LGI kembali mengadakan pelatihan bertemakan Basic Insurance
- Prinsip Dasar Asuransi yang bertujuan untuk memperdalam
pemahaman mengenai konsep dasar asuransi kepada peserta,
termasuk definisi, jenis risiko, dan 6 prinsip utama, seperti Insurable
Interest, Utmost Good Faith, Indemnity, Proximate Cause, Subrogation,
dan Contribution, agar dapat diterapkan secara lebih efektif dalam
pekerjaan sehari-hari.
LGI reorganized a training session themed Basic Insurance -
Fundamental Principles of Insurance to further deepen participants’
understanding of basic concepts of insurance, including definitions,
types of risks, and 6 fundamental principles of insurance, namely
Insurable Interest, Utmost Good Faith, Indemnity, Proximate Cause,
Subrogation, and Contribution, to enable more effective application in
daily work.
25 April 2025
April 25th, 2025
Basic Insurance - Prinsip Dasar Asuransi
Basic Insurance - Fundamental Principles of Insurance
Silaturahmi on the green merupakan ajang kolaborasi hangat antara
LGI, Broker Estetika, dan Bank Mandiri yang digelar di Royale Jakarta
Golf Club dengan tujuan mempererat hubungan kemitraan melalui
suasana santai dan penuh keakraban.
Silaturahmi on the Green served as a warm collaborative gathering
among LGI, Estetika Brokerage, and Bank Mandiri, held at Royale
Jakarta Golf Club. The event aimed to strengthen partnership
relationships in a relaxed and friendly atmosphere.
26 April 2025
April 26th, 2025
Silaturahmi on the Green: Kolaborasi Hangat LGI, Broker Estetika, dan Bank Mandiri di Royale
Jakarta Golf Club
Silaturahmi on the Green: Warm Collaboration among LGI, Estetika Brokerage, and Bank
Mandiri at Royale Jakarta Golf Club
24 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI berpartisipasi dalam UMN Career Day 2025 di Kampus
Universitas Multimedia Nusantara dengan menghadirkan booth untuk
mengenalkan peluang karier, proses rekrutmen, dan budaya kerja, yang
dijelaskan oleh Ibu Ellicia Septiani. LGI juga mempromosikan aplikasi
MyGo+ berbasis AI melalui aktivitas spin wheel berhadiah. Partisipasi
ini bertujuan menarik talenta muda dan mendorong minat mahasiswa
pada industri asuransi.
LGI participated in UMN Career Day 2025 at Universitas Multimedia
Nusantara by setting up a booth to introduce career opportunities,
recruitment process, and work culture, as explained by Mrs. Ellicia
Septiani. LGI also promoted its AI-based MyGo+ application through
a prize spin-wheel activity. This participation aimed to attract young
talent and encourage students’ interest in the insurance industry.
6 - 7 Mei 2025
May 6th - 7th, 2025
Job Fair UMN Day
LGI mengadakan pelatihan bertemakan Mind Mapping untuk
mengembangkan cara berpikir kreatif dan terstruktur melalui teknik
visualisasi ide. Kegiatan ini membantu peserta menyusun informasi
secara sistematis, meningkatkan produktivitas, dan mempermudah
pengambilan keputusan.
LGI organized a training session themed Mind Mapping to develop
creative and structured thinking through visual idea-mapping
techniques. The program helped participants organize information
systematically, improve productivity, and facilitate more effective
decision-making.
19 Mei 2025
May 19th, 2025
Mind Mapping
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 25
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Kilas Kinerja 2025
Re-Socialization of LGI Code of Conduct & Introduction to Mobile
Attendance with Pro-int merupakan kegiatan internal LGI yang
bertujuan memperkuat pemahaman karyawan terhadap Pedoman
Perilaku Perusahaan dan memperkenalkan sistem absensi mobile
berbasis aplikasi Pro-int sebagai bagian dari transformasi digital dan
efisiensi operasional.
The Re-Socialization of LGI’s Code of Conduct & Introduction to
Mobile Attendance with Pro-int is an internal activity aimed to reinforce
employees’ understanding of the Company’s Code of Conduct and to
introduce the Pro-int application-based mobile attendance system as
part of LGI’s digital transformation and operational efficiency.
7 Mei 2025
May 7th, 2025
Re-Socialization of LGI Code of Conduct & Introduction
to Mobile Attendance with Pro-int
Leaders Camp - Visit Bangkok merupakan program pengembangan
kepemimpinan yang mengajak jajaran pimpinan LGI untuk memperkuat
visi, strategi, dan kolaborasi lintas divisi. Kegiatan ini dirancang untuk
membangun semangat kepemimpinan yang adaptif dan inspiratif
dalam menghadapi tantangan bisnis masa depan.
Leaders Camp - Visit Bangkok was a leadership development program
designed to bring together LGI’s management team to strengthen
vision, strategy, and cross-divisional collaboration. The program was
structured to foster adaptive and inspirational leadership in addressing
future business challenges.
21 - 23 Mei 2025
May 21st - 23rd, 2025
Leaders Camp – Visit Bangkok
26 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI mengadakan pelatihan bertemakan Cyber Security Refreshment
secara daring yang dipandu oleh Ibu Chaniago dari Departemen
IT. Sesi ini membahas ancaman phising, risiko penyalahgunaan AI,
dan tips keamanan digital, seperti penggunaan password kuat serta
pengamanan perangkat kerja. Ibu Chaniago menekankan bahwa
keamanan siber adalah tanggung jawab bersama seluruh karyawan
LGI.
LGI held an online training session themed Cyber Security Refreshment
hosted by Mrs. Chaniago from the IT Department. The session discussed
phishing threats, the risks of AI misuse, and digital security best
practices, including the use of strong passwords and the protection of
work devices. Mrs. Chaniago emphasized that cybersecurity is a shared
responsibility of all LGI’s employees.
28 Mei 2025
May 28th, 2025
Cyber Security Refreshment
LGI mengadakan pelatihan bertemakan Health Insurance untuk
meningkatkan pemahaman peserta mengenai produk dan kebijakan
asuransi kesehatan. Sesi ini memberikan wawasan praktis agar
karyawan dapat menawarkan solusi perlindungan yang lebih tepat dan
meningkatkan kualitas layanan kepada nasabah.
LGI organized a training session themed Health Insurance to enhance
participants’ understanding of health insurance products and policies.
This session provided practical insights to enable employees to offer
more appropriate protection solutions and improve service quality to
customers.
4 Juni 2025
June 4th, 2025
Health Insurance Training
LGI mengadakan pelatihan keselamatan kerja yang berfokus pada
penanganan gempa dan risiko kelistrikan. Dipandu oleh Bapak Triadi
Setyo, peserta mempraktikkan evakuasi aman, mengenali potensi
bahaya, dan memahami penggunaan APAR sesuai jenis kebakaran.
Pelatihan ini menegaskan bahwa keselamatan adalah bagian dari
budaya kerja LGI.
LGI organized an occupational safety training session focusing on
earthquake response and electrical risks. Hosted by Mr. Triadi Setyo,
participants practiced safe evacuation procedures, identified potential
risks, and learned the proper use of fire extinguishers according to
different types of fires. The training reaffirmed that safety is an integral
part of LGI’s work culture.
11 Juni 2025
June 11th, 2025
Occupational Health & Safety Earth Quake & Electrical Safety
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 27
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Kilas Kinerja 2025
Literasi Edukasi - Goes to School di SMK Islam Insan Mulia merupakan
bagian dari komitmen LGI dalam meningkatkan pemahaman generasi
muda terhadap pentingnya literasi keuangan dan asuransi. Melalui
kegiatan ini, LGI mengedukasi siswa mengenai manfaat perlindungan
asuransi, peran asuransi dalam kehidupan sehari-hari, dan mendorong
kesadaran akan pentingnya perencanaan keuangan sejak dini.
The Educational Literacy - Goes to School program at SMK Islam
Insan Mulia is a part of LGI’s commitment to improving young people’s
understanding of financial and insurance literacy. Through this initiative,
LGI educated students on the benefits of insurance protection, the role
of insurance in daily life, and the importance of early financial planning.
11 Juni 2025
June 11th, 2025
Literasi Edukasi - Goes to School - SMK Islam Insan Mulia
Educational Literacy - Goes to School - SMK Islam Insan Mulia
LGI mengadakan pelatihan bertemakan Marine Cargo - Penyegaran
Pengetahuan Tertanggung untuk memperkuat pemahaman peserta
mengenai asuransi pengangkutan laut. Sesi ini memberikan wawasan
terbaru seputar cakupan perlindungan, manajemen risiko, dan praktik
terbaik, sehingga karyawan dapat memberikan solusi yang lebih akurat
dan efektif di sektor asuransi maritim.
LGI organized a training session themed Marine Cargo - Refreshment
of Insured Knowledge to strengthen participants’ understanding of
marine cargo insurance. The session provided updated insights into
coverage scope, risk management, and best practices, enabling
employees to deliver more accurate and effective solutions in
the maritime insurance sector.
18 Juni 2025
June 18th, 2025
Training Session Marine Cargo - Refreshment of Insured Knowledge Marine Cargo
28 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI mengadakan pelatihan bertemakan Komunikasi Empatik di Era
Digital untuk meningkatkan kemampuan peserta dalam berkomunikasi
secara empatik di lingkungan kerja yang serba cepat dan berbasis
teknologi. Sesi ini menekankan pentingnya kecerdasan emosional,
mendengarkan secara aktif, dan interaksi digital yang penuh rasa
hormat untuk membangun hubungan dan kolaborasi yang lebih kuat
antar tim.
LGI organized a training session themed Empathic Communication
in the Digital Age to enhance participants’ ability to communicate
empathically in a fast-paced, technology-driven work environment.
The session emphasized the importance of emotional intelligence,
active listening, and respectful digital interactions in building stronger
20 Juni 2025 relationships and team collaboration.
June 20th, 2025
Empathetic Communication in Digital Age
LGI berpartisipasi dalam kegiatan ini bersama Hanwha Group sebagai
bentuk komitmen dalam mendukung pengembangan talenta muda.
Acara ini menjadi wadah bagi para peserta untuk mendapatkan
wawasan profesional sekaligus membangun hubungan yang positif
menuju masa depan karier yang lebih baik.
LGI participated in this event together with Hanwha Group as part
of its commitment to supporting the development of young talent.
The program served as a platform for participants to gain professional
insights while building positive connections toward a better career
future.
20 Juni 2025
June 20th, 2025
Career Talk - Empowering Future Leader
LGI kembali mengadakan pelatihan bertemakan Dasar Hukum Asuransi
secara hybrid yang dipandu oleh Bapak Ivo Santri Lubis. Program ini
membahas kerangka hukum industri asuransi di Indonesia, termasuk
KUHD, UU Perasuransian, UU PPSK, serta Peraturan OJK dan Surat
Edaran OJK terbaru. Selain itu, sesi ini menekankan pentingnya
kepatuhan dalam proses penerbitan polis dan regulasi OJK. Pelatihan
ini bertujuan memperkuat pemahaman hukum sebagai pedoman kerja
yang aman dan bertanggung jawab di industri asuransi.
LGI reorganized another hybrid training session on Basic Insurance -
Legal Basis of Insurance, facilitated by Mr. Ivo Santri Lubis. The program
discussed the legal framework of Indonesia’s insurance industry,
including KUHD, Insurance Law, PPSK Law, as well as the latest OJK
26 Juni 2025 Regulation and OJK Circular Letter regulations. The session also
June 26th, 2025 highlighted the importance of compliance in policy issuance processes
and OJK regulations, aiming to strengthen legal understanding as
Basic Insurance - Dasar Hukum a foundation for safe and responsible practices in the insurance
Asuransi industry.
Basic Insurance - Legal Basis of
Insurance
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 29
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Kilas Kinerja 2025
LGI kembali mengadakan pelatihan bertemakan Komunikasi Empatik di
Era Digital Batch 2 untuk memperkuat keterampilan komunikasi empatik
di lingkungan kerja yang serba cepat dan berbasis teknologi. Pada
program ini, peserta didorong untuk meningkatkan peran kecerdasan
emosional, kemampuan mendengarkan aktif, serta etika interaksi digital
dalam memperkuat kerja sama dan hubungan antar tim.
LGI reorganized training themed Empathic Communication
in the Digital Age Batch 2 to strengthen empathic communication
skills in a fast-paced and technology-driven work environment.
In this program, participants were encouraged to enhance emotional
intelligence, active listening skills, and digital interaction ethics to foster
stronger collaboration and inter-team relationships.
3 Juli 2025
July 3rd, 2025
Empathic Communication in Digital Age - Batch 2
LGI mengadakan pelatihan bertemakan Empowering Gen Z Teams
- Leading the Next Generation for Success yang berfokus pada
pembekalan keterampilan bagi para pemimpin dalam membimbing
tim Gen Z secara efektif. Sesi ini menekankan pentingnya memahami
nilai, gaya komunikasi, dan motivasi Gen Z, serta mendorong strategi
kepemimpinan adaptif yang mendukung kolaborasi, inovasi, dan
pertumbuhan di lingkungan kerja multigenerasi.
LGI organized a training session titled Empowering Gen Z
Teams - Leading the Next Generation for Success, which focused
on equipping leaders with the skills to guide Gen Z teams effectively.
The session emphasized understanding Gen Z values, communication
styles, and motivations, while promoting adaptive leadership strategies
that support collaboration, innovation, and growth in a multigenerational
workplace.
10 Juli 2025
July 10th, 2025
Leading the next Generation: Empowering Gen Z
Teams - Leading the Next Generation for Success
LGI menggelar Partner Gathering bertemakan Resilient Partnerships,
Stronger Synergy sebagai bentuk apresiasi kepada mitra strategis,
seperti rumah sakit, klinik, optik, dan TPA se-Jabodetabek. Acara
ini memperkenalkan pembaruan layanan, seperti integrasi Hanwha
Group, platform eBenefit, serta aplikasi MyGo+ dan MyPro+ yang
mendukung gaya hidup sehat dan pengelolaan polis mandiri. Melalui
sesi interaktif dan booth teknologi, LGI menegaskan komitmennya
membangun ekosistem layanan asuransi kesehatan yang lebih tangguh
dan berkelanjutan.
LGI held a Partner Gathering themed Resilient Partnerships, Stronger
Synergy as a form of appreciation for strategic partners, including
hospitals, clinics, optical providers, and TPAs across the Greater
Jakarta area. The event introduced service enhancements, such as
Hanwha Group integration, the eBenefit platform, and MyGo+ and
16 Juli 2025 MyPro+ applications that support healthy lifestyles and independent
policy management. Through interactive sessions and technology
July 16th, 2025 booths, LGI reaffirmed its commitment to building a more resilient and
sustainable health insurance service ecosystem.
Partner Gathering - Resilient
Partnership Stronger & Synergy
30 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI kembali mengadakan pelatihan bertemakan Basic Insurance
- Prinsip Dasar Asuransi untuk menguatkan pemahaman peserta
mengenai konsep dasar asuransi. Sesi ini membahas definisi asuransi,
jenis risiko, serta 6 prinsip utama yang bertujuan agar peserta dapat
menerapkannya secara efektif dalam pekerjaan sehari-hari.
LGI conducted another Basic Insurance - Fundamental Principles
of Insurance training to strengthen participants’ understanding of
basic concepts of insurance. The session discussed the definition of
insurance, types of risks, and the 6 fundamental insurance principles,
enabling participants to apply them effectively in their daily work.
22 Juli 2025
July 22th, 2025
Basic Insurance - Prinsip Dasar Asuransi
Basic Insurance - Fundamental Principles of Insurance
LGI kembali menggelar mini MCU bulanan bagi karyawan outsourcing
(menial) sebagai bagian dari komitmen terhadap kesehatan dan
kesejahteraan karyawan. Kegiatan ini mencakup pemeriksaan tekanan
darah, BMI, body fat, kolesterol, gula darah, dan asam urat. Kegiatan
kali ini menunjukkan peningkatan yang signifikan dibandingkan dengan
pemeriksaan bulan Mei lalu dalam partisipasi LGI Fitlife Challenge.
LGI reorganized its monthly mini MCU for outsourced (menial)
employees as part of its ongoing commitment to employee health
and well-being. The activity included checks on blood pressure, BMI,
body fat, cholesterol, blood sugar, and uric acid levels. This session
demonstrated a significant improvement compared to the examination
conducted in May, reflecting increased participation in the LGI Fitlife
23 Juli 2025 Challenge ecosystem.
July 23rd, 2025
Mini MCU Bulanan LGI: Komitmen Nyata Jaga Kesehatan Karyawan Menial
LGI Monthly Mini MCU: A Tangible Commitment to Maintaining the Health of Outsourced
Employees
LGI mengadakan pelatihan bertemakan Refreshment Anti-Fraud
Awareness secara daring yang dipandu oleh Bapak I Gusti Bagus
Wiradharma dan menghadirkan 2 narasumber internal, yaitu
Bapak Ivo Santri Lubis (Department Head Legal) dan Bapak Mathias
Elsson (Department Head Claim General Non-Motor Vehicle). Pelatihan
ini membahas strategi anti fraud berdasarkan Peraturan OJK No. 12
Tahun 2024, jenis-jenis fraud dalam asuransi, dan peran setiap
karyawan dalam mencegah kecurangan di lingkungan kerja.
LGI organized an online Anti-Fraud Awareness Refreshment training
session hosted by Mr. I Gusti Bagus Wiradharma, featuring 2 internal
speakers, namely Mr. Ivo Santri Lubis, Department Head of Legal,
and Mr. Mathias Elsson, Department Head of Claims for General
Non-Motor Vehicles. The training discussed anti-fraud strategies based
on OJK RegulationNo. 12 of 2024, types of fraud in the insurance industry,
28 Juli 2025 and the role of each employee in preventing fraudulent practices in
the workplace.
July 28th, 2025
Anti Fraud Awareness
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 31
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Kilas Kinerja 2025
LGI bersama Busan Auto Finance (BAF) mengadakan literasi keuangan
di Bengkulu bertemakan Peran Penting Pembiayaan serta Asuransi
dalam Pertumbuhan Usaha dan dihadiri 120 peserta. Acara ini
membahas manfaat asuransi, hak dan kewajiban pemegang polis,
proses klaim, serta perannya dalam melindungi usaha. LGI dan BAF
berkomitmen mendukung masyarakat agar lebih bijak mengelola risiko
demi masa depan yang aman.
LGI, in collaboration with Busan Auto Finance (BAF), conducted
a financial literacy program in Bengkulu themed The Important
Role of Financing and Insurance in Business Growth, attended by
120 participants. The session discussed the benefits of insurance,
policyholders’ rights and obligations, claims processes, and the role
of insurance in business protection. LGI and BAF are committed to
supporting the community in managing risks more wisely for a secure
6 Agustus 2025 future.
August 6th, 2025
LGI dan BAF Berkolaborasi Mendorong Literasi Keuangan Lewat Edukasi Pembiayaan dan
Asuransi di Bengkulu
LGI and BAF Collaborate to Promote Financial Literacy through Financing and Insurance
Education in Bengkulu
LGI menggelar LGI Fitlife Health Event yang diikuti lebih dari 60 peserta
dari Kantor Pusat maupun Kantor Cabang, Acara ini menghadirkan
edukasi bertemakan Rahasia Bekal Sehat oleh Ahli Gizi Mayapada
Hospital, Bapak Afif Setyo Nurcahyo yang membahas konsep Tumpeng
Gizi Seimbang dan dampak konsumsi makanan instant. Di akhir acara,
LGI mengumumkan pemenang Fitlife Challenge berdasarkan hasil
MCU dengan kategori Most Improved BMI dan Lowest Cholesterol.
LGI held LGI Fitlife Health Event, attended by more than
60 participants from both the Head Office and Branch Offices.
The event featured an educational session titled The Secrets of Healthy
Meal Preparation, delivered by nutritionist Mr. Afif Setyo Nurcahyo
from Mayapada Hospital, which discussed the Balanced Nutrition
8 Agustus 2025 Pyramid and the impact of consuming instant foods. At the conclusion
August 8th, 2025 of the event, LGI announced the winners of Fitlife Challenge based
on medical check-up results, with categories including Most Improved
LGI Fitlife 2025 - Bekal Sehat, BMI and Lowest Cholesterol.
Hidup Sehat
LGI Fitlife 2025 - Healthy
Provisions, Healthy Living
LGI menggelar donor darah tahunan di Kantor Pusat, bekerja sama
dengan PMI, sebagai bagian perayaan HUT RI ke-80 bertemakan
Energizing the Freedom: Donate Blood, Share Life. Acara ini diikuti
113 peserta dengan 61 pendonor yang berhasil memenuhi syarat medis,
menegaskan komitmen LGI terhadap nilai kemanusiaan dan kepedulian
sosial. Melalui kegiatan ini, LGI mengajak masyarakat merayakan
kemerdekaan dengan aksi nyata yang menyelamatkan nyawa.
LGI organized its annual blood donation event at the Head Office, in
collaboration with PMI as part of the celebration of the 80th Anniversary
of the Independence of the Republic of Indonesia, themed Energizing
the Freedom: Donate Blood, Share Life. This event was attended
by 113 participants with 61 donors meeting the medical eligibility
15 Agustus 2025 requirements, reaffirming LGI’s commitment to humanitarian values
August 15th, 2025 and social responsibility by encouraging the community to celebrate
independence through life-saving actions.
Energizing the Freedom Donate
Blood Share Life
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2025 Performance Highlight
Dalam rangka memperingati Hari Kemerdekaan RI ke-80, LGI
menggelar rangkaian kegiatan, mulai dari cerdas cermat online, lomba
tradisional, seperti makan kerupuk dan balap sarung, hingga fashion
show dan pembagian voucher. Melalui kegiatan ini, LGI menegaskan
semangat kebersamaan, kreativitas, dan sportivitas sebagai bagian dari
budaya perusahaan.
In commemoration of the 80th Anniversary of the Independence of
the Republic of Indonesia, LGI organized a series of activities, including
an online quiz competition, traditional games such as cracker-eating
and sack races, a fashion show, and voucher distribution. Through
these activities, LGI reaffirmed the values of togetherness, creativity,
14 - 15 Agustus 2025 and sportsmanship as integral elements of the corporate culture.
August 14th-15th, 2025
Independence Day Celebration
LGI mengadakan sesi pembelajaran bertemakan Introduction to Google
Big Query yang dipandu oleh Bapak Achmad Zaini (Department Head
Data Techonology). Pelatihan ini memperkenalkan Big Query sebagai
solusi data warehouse berbasis cloud yang cepat, aman, dan hemat
biaya. Peserta belajar cara menyimpan, menganalisis, dan mengolah
data besar menggunakan SQL standar, serta integrasi dengan tools,
seperti Jupyter Notebook untuk analisis lanjutan. Melalui sesi ini, LGI
mendorong pemanfaatan teknologi data untuk menghasilkan insight
bisnis yang lebih cerdas dan efisien.
LGI organized an Introduction to Google BigQuery learning session
hosted by Mr. Achmad Zaini (Department Head of Data Technology).
The training introduced BigQuery as a fast, secure, and cost-efficient
cloud-based data warehouse solution. Participants learned how to
12 September 2025 store, analyze, and process large-scale data using standard SQL, as
September 12th, 2025 well as integrate BigQuery with tools such as Jupyter Notebook for
advanced analysis. During this session, LGI encouraged the utilization
Google Big Query of data technology to generate smarter and more efficient business
insights.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 33
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Kilas Kinerja 2025
LGI berkolaborasi dengan William Russell menggelar Product
Knowledge Session untuk para agen LGI yang bertujuan memperdalam
pemahaman produk asuransi kesehatan internasional. Sesi ini
membahas solusi perlindungan kesehatan berstandar global, fleksibel,
dan komprehensif untuk nasabah dengan mobilitas internasional.
LGI collaborated with William Russell to conduct a Product Knowledge
Session for LGI’s agents, aimed at deepening their understanding
of international health insurance products. The session highlighted
globally standardized, flexible, and comprehensive health protection
solutions for customers with international mobility.
25 September 2025
September 25th, 2025
LGI dan William Russell Gelar Product Knowledge Session untuk Para Agen LGI
LGI and William Russell Conduct Product Knowledge Session for LGI’s Agents
LGI mengadakan webinar bertemakan Developing Emotional
Intelligence and Resilience to Manage Stress Effectively bersama
dr. Eduardo Renaldo, Sp.KJ. Program ini membahas pentingnya
kecerdasan emosional dan resiliensi dalam menghadapi tekanan
hidup. Peserta diperkenalkan pada 5 aspek kecerdasan emosional
serta teknik praktis, seperti ACCEPTS, Self-Soothing, TIPP, dan Paced
Breathing untuk mengelola stres secara sehat dan efektif.
LGI organized a webinar titled Developing Emotional Intelligence
and Resilience to Manage Stress Effectively featuring dr. Eduardo
Renaldo, Sp.KJ. The program highlighted the importance of emotional
intelligence and resilience in managing life’s pressures. Participants
were introduced to the 5 components of emotional intelligence, as well
as practical techniques such as ACCEPTS, Self-Soothing, TIPP, and
Paced Breathing to manage stress in a healthy and effective manner.
30 September 2025
September 30th, 2025
Webinar Emotional Intelligence & Resilience: Strategies to
Manage Stress Effectively
34 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI memperingati World Mental Health Day dengan tema Stronger
Together: Creating a Caring Community for Mental Wellness melalui
berbagai kegiatan inspiratif. Dimulai dengan Wall of Gratitude dan
pembagian cokelat untuk menumbuhkan semangat positif, dilanjutkan
sesi Live Podcast bersama Bapak Julian Adrian Halim, M.Psi., dan
dr. Nadia Sylvano, M.Sc., yang membahas keseimbangan mental-fisik,
teknik grounding, serta pendekatan 3L (Look, Listen, Link). Acara ditutup
dengan sesi Body Combat yang diikuti 50 peserta dari berbagai divisi,
mendorong pelepasan hormon endorfin dan dopamin sebagai bentuk
nyata dukungan LGI terhadap kesehatan mental dan budaya kerja yang
peduli.
LGI commemorated World Mental Health Day under the theme
Stronger Together: Creating a Caring Community for Mental Wellness
through a series of inspiring activities. It began with a Wall of Gratitude
10 Oktober 2025 and chocolate distribution to promote a positive atmosphere,
followed by a live podcast session featuring Mr. Julian Adrian Halim,
October 10th, 2025 M.Psi., and dr. Nadia Sylvano, M.Sc., discussed mental and physical
balance, grounding techniques, and the 3L approach (Look, Listen,
LGI Bangun Semangat Peduli dalam
Link). The event concluded with a Body Combat session attended
World Mental Health Day
by 50 participants from various divisions, encouraging the release of
LGI Fosters a Caring Spirit on World endorphins and dopamine as a tangible expression of LGI’s support for
Mental Health Day mental health and a caring workplace culture.
LGI mengadakan pelatihan bertemakan Prinsip Dasar Asuransi (Basic
Insurance) secara hybrid yang menghadirkan Bapak Kevin Exaudi
Siregar, AAAIK., dari General Claim Non MV 2 sebagai pembicara. Sesi
ini membahas konsep ekonomi risiko dan 6 prinsip utama asuransi.
Melalui diskusi interaktif dan Q&A, peserta diingatkan pentingnya
transparansi dalam menjelaskan risiko yang dijamin agar hubungan
penanggung dan tertanggung berjalan etis dan saling menguntungkan.
Pelatihan ini diharapkan memperkuat pemahaman peserta untuk
penerapan prinsip asuransi dalam pekerjaan sehari-hari.
LGI organized a hybrid training session on Basic Insurance: Fundamental
Principles of Insurance, featuring Mr. Kevin Exaudi Siregar, AAAIK.,
from General Claim Non-MV 2 as the speaker. The session discussed
the economics of risk and the 6 fundamental principles of insurance.
16 Oktober 2025 Through interactive discussions and a Q&A session, participants were
reminded of the importance of transparency in explaining insured
October 16th, 2025
risks to ensure ethical and mutually beneficial relationships between
insurers and policyholders. This training was expected to strengthen
Basic Insurance: Basic Principles of
participants’ understanding of insurance principles for application in
Insurance
daily work activities.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 35
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Kilas Kinerja 2025
LGI menggelar webinar bertemakan ESG & Risk: Align, Adapt, Accelerate
dengan menghadirkan Ibu Nadia Erlikasna Br. Pandia dan Ibu Christine
Prety Ballerena sebagai pembicara. Sesi ini menekankan pentingnya
integrasi ESG dengan manajemen risiko untuk memperkuat ketahanan
perusahaan dan menciptakan nilai jangka panjang. LGI memaparkan
roadmap keberlanjutan, kebijakan green office, literasi inklusi, serta tata
kelola berbasis regulasi Peraturan OJK dan standar global, seperti GRI.
Selain itu, dibahas kewajiban pelaporan ESG dan RAKB kepada OJK
serta penerapan sistem manajemen risiko yang mencakup 9 kategori
risiko dengan mitigasi terukur.
LGI held a webinar themed ESG & Risk: Align, Adapt, Accelerate
by inviting Mrs. Nadia Erlikasna Br. Pandia and Mrs. Christine Prety
Ballerena as speakers. The session emphasized the importance
of integrating ESG principles with risk management to strengthen
corporate resilience and create long-term value. LGI presented
22 Oktober 2025 its sustainability roadmap, green office policies, inclusion literacy
October 25th, 2025 initiatives, and governance practices aligned with OJK Regulation
regulations and global standards such as GRI. Besides, the discussion
ESG & Risk: Align, Adapt, also covered ESG and RAKB reporting obligations to OJK, as well
Accelerate as the implementation of a risk management system encompassing
9 risk categories with measurable mitigation strategies.
LGI menggelar Strategy Meeting 2025 untuk menyelaraskan arah
perusahaan menuju 2026, menghadirkan paparan lintas divisi
mengenai pencapaian rating A- dari AM Best, dinamika industri dan
peran AI, transformasi operasional berbasis Customer Experience,
penguatan keuangan dan digitalisasi, strategi pertumbuhan digital
melalui MyGo+, MyPro+, dan MyCare+, serta fokus pemasaran,
Business Unit, Korea Desk, compliance, IT, dan pengembangan SDM,
yang kemudian ditutup dengan peluncuran tagline baru “Live, Grow,
Inspire”. sebagai simbol percepatan transformasi dan komitmen LGI
menghadapi masa depan secara adaptif dan berkelanjutan.
LGI held the Annual Strategy Meeting 2025 to align the company’s
strategic direction toward 2026. The meeting featured cross-divisional
presentations covering the achievement of an A- rating from AM
Best, industry dynamics and the role of AI, customer experience-
27 Oktober 2025 driven operational transformation, financial strengthening and
digitalization, and digital growth strategies through MyGo+, MyPro+,
October 27th, 2025 and MyCare+, as well as a focus on marketing, Business Units, Korea
Desk, compliance, IT, and HR development. The meeting concluded
Annual Strategy Meeting 2025
with the launch of LGI’s new tagline, “Live, Grow, Inspire.”, symbolizing
the acceleration of transformation and LGI’s commitment to navigating
the future adaptively and sustainably.
36 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI melalui Unit Pelindungan Konsumen dan Masyarakat menggelar
sosialisasi daring bertemakan Kepatuhan Tanggung Jawab Bersama,
Melayani dengan Empati adalah Nilai Perusahaan Kita. Acara
ini menghadirkan Bapak Irsan Rivani, Ibu Maureen Indriaty, dan
Ibu Christine Prety Ballerena untuk memperkuat pemahaman
karyawan terkait prinsip pelindungan konsumen sesuai Peraturan OJK
No. 22 Tahun 2023.
Through its Consumer and Public Protection Unit, LGI conducted an
online dissemination themed Shared Responsibility in Compliance:
Serving with Empathy as Our Corporate Value. The session featured
Mr. Irsan Rivani, Mrs. Maureen Indriaty, and Mrs. Christine Prety
Ballerena, aiming to strengthen employees’ understanding of
consumer protection principles in accordance with OJK Regulation
No. 22 of 2023.
30 Oktober 2025
October 30th, 2025
Refreshment: Sosialisasi & Edukasi Pelindungan Konsumen
Refreshment: Consumer Protection Dissemination & Education
LGI merayakan Hari Kebaikan Sedunia 2025 dengan mengadakan sesi
hybrid bertemakan Kebaikan di Tempat Kerja: Kekuatan Tindakan Kecil
yang menampilkan Bapak RD Hikmat dan Ibu Kezia Riventa. Diskusi
tersebut menyoroti kebaikan sebagai perilaku altruistik, perannya dalam
memupuk komunikasi positif, serta pentingnya mempraktikkan Micro
Kindness melalui tindakan sederhana, seperti senyuman, sapaan, atau
gestur bantuan kecil. Peserta juga didorong untuk merawat diri sendiri
dengan afirmasi positif dan waktu berkualitas, menekankan bahwa
setiap tindakan kebaikan dapat menciptakan lingkungan kerja yang
harmonis dan rantai kebaikan yang berkelanjutan.
In celebration of World Kindness Day 2025, LGI held a hybrid
session titled Kindness at Work: The Power of Small Act, featuring
Mr. RD Hikmat and Ms. Kezia Riventa. The discussion emphasized
kindness as an altruistic behavior, its role in fostering positive
13 November 2025 communication, and the importance of practicing micro kindness
through simple actions, such as smiling, offering greetings, or offering
November 13th, 2025 small gestures of help. Participants were also encouraged to practice
self-care through positive affirmations and quality time, underscoring
Kindness at Work : The Power of
that every act of kindness contributes to a harmonious workplace and
Small Act
creates a sustainable chain of goodwill.
LGI berpartisipasi dalam AAUI Cup ke-18 yang berlangsung di Galaxy
Sport Center, PIK 2. LGI menunjukkan semangat sportivitas melalui
berbagai cabang olahraga, mencatat kemenangan di badminton
melawan Jasaraharja dan Artarindo, serta meraih kemenangan
di mini soccer atas China Taiping. Meski harus menerima kekalahan
di beberapa pertandingan, termasuk bola basket melawan Sompo,
partisipasi ini menjadi ajang mempererat hubungan, menjunjung
sportivitas, dan membangun sinergi antar pelaku industri asuransi.
LGI participated in the 18th AAUI Cup held at Galaxy Sport Center,
PIK 2. LGI demonstrated strong sportsmanship across various sports
disciplines, recorded victories in badminton against Jasaraharja and
Artarindo, as well as won in mini soccer against China Taiping. Despite
facing losses in several matches, including basketball against Sompo,
this participation served as a valuable opportunity to strengthen
16 November 2025 relationships, uphold sportsmanship, and build synergy among players
in the insurance industry.
November 16th, 2025
Semangat Sportivitas LGI di AAUI Cup 2025
LGI’s Spirit of Sportsmanship at the AAUI Cup 2025
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 37
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Kilas Kinerja 2025
LGI mengadakan beauty class di Kantor Pusat dengan trainer dari
Hanasui. Acara ini memberikan pembekalan kecantikan dasar untuk
menunjang penampilan profesional karyawan. Peserta belajar langkah
merias wajah, mulai dari persiapan kulit, pemilihan produk, hingga
teknik blending, penataan alis, dan perbedaan makeup harian dan
formal. Sesi praktik berlangsung interaktif, disertai arahan trainer agar
hasil tampak natural. Kegiatan ini juga menjadi ajang berbagi tips dan
pengalaman, menciptakan suasana santai. Melalui program ini, LGI
berharap karyawan lebih percaya diri saat berinteraksi dengan nasabah
dan rekan kerja.
LGI organized a beauty class at the Head Office in collaboration with
trainers from Hanasui. The session provided basic grooming and
makeup guidance to support employees’ professional appearance.
Participants learned step-by-step makeup techniques, including
27 November 2025 skin preparation, product selection, blending, eyebrow shaping, and
the differences between daily and formal makeup. The hands-
November 27th, 2025 on session was highly interactive and guided by trainers to achieve
natural-looking results. The program also served as a platform for
Meningkatkan Percaya Diri
sharing tips and experiences in a relaxed setting. Through this initiative,
Melalui LGI Beauty Class
LGI aimed to enhance employees’ confidence when engaging with
Building Confidence Through customers and colleagues.
LGI Beauty Class
LGI menggelar program green action sebagai wujud komitmen
pelestarian lingkungan. Melalui kontribusi dari karyawan dan nasabah,
di mana setiap run finisher, polis asuransi, dan kartu Medicare cetak
setara dengan 1 pohon. Pada program ini, LGI berhasil menanam
228 bibit mangrove jenis Rhizopora di Taman Wisata Alam Mangrove
Angke, Jakarta Utara. Program ini juga mendukung ekosistem pesisir,
mencegah abrasi, dan sejalan dengan berbagai Tujuan Pembangunan
Berkelanjutan, termasuk Pengelolaan Ekosistem Laut (SDGs 14),
Penanganan Perubahan Iklim (SDGs 13), dan Pelestarian Ekosistem
Darat (SDGs 15).
LGI implemented a Green Action program as part of its commitment
to environmental conservation. Through contributions from employees
and customers, where each run finisher, insurance policy, and printed
Medicare card was equivalent to 1 tree, LGI successfully planted
28 November 2025 228 Rhizophora mangrove seedlings at Angke Mangrove Nature Park,
North Jakarta. This program supports coastal ecosystems, prevents
November 28th, 2025 abrasion, and aligns with several Sustainable Development Goals,
including Life Below Water (SDGs 14), Climate Action (SDGs 13), and
Green Action: LGI Tanam
Life on Land (SDGs 15).
228 Pohon Mangrove di Taman
Wisata Alam Angke
Green Action: LGI Plants
228 Mangrove Trees at Angke
Mangrove Nature Park
38 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
LGI menggelar acara Move & Groove di Mega Wisata Ocarina
Waterpark, Batam untuk McDermott sebagai bagian dari komitmen
untuk mendukung kesehatan karyawan. Program ini bertujuan
untuk meningkatkan kesadaran akan pentingnya aktivitas fisik untuk
kesehatan tulang dan menciptakan lingkungan kerja yang sehat dan
produktif.
LGI organized the Move & Groove event at Mega Wisata Ocarina
Waterpark, Batam, for McDermott as part of its commitment
to supporting employee well-being. The program aimed to raise
awareness of the importance of physical activity for bone health and
to promote a healthy and productive work environment.
7 Desember 2025
December 7th, 2025
LGI Menyelenggarakan Acara “Move & Groove” untuk McDermott Guna Meningkatkan Kesadaran
akan Kesehatan Tulang
LGI Hosts “Move & Groove” Event for McDermott to Promote Bone Health Awareness
LGI menutup tahun dengan podcast bertemakan December Your
Way: Strong Finish & Cheerful Spirit yang digelar secara hybrid melalui
Microsoft Teams. Dipandu oleh Bapak Bagus Wiradharma, acara
ini menghadirkan Ibu Maureen Indriaty (Assistant Vice President -
Agency) dan Bapak Mathias Elsson (Dept. Head - General Claim Non
MV 2) yang berbagi pandangan tentang makna Desember, resolusi
tahun baru, serta tips menjaga fokus dan semangat di akhir tahun.
Diskusi menekankan pentingnya refleksi, konsistensi, pengaturan
waktu, dan menjaga work-life balance agar dapat finish strong dan
finish happy.
LGI concluded the year with a podcast themed December Your Way:
Strong Finish & Cheerful Spirit, held in a hybrid format via Microsoft
Teams. Hosted by Mr. Bagus Wiradharma, the session featured
Mrs. Maureen Indriaty (Assistant Vice President - Agency) and Mr. Mathias
10 Desember 2025 Elsson (Department Head - General Claim Non MV 2), who shared
their perspectives on the meaning of December, New Year resolutions,
December 10th, 2025 and tips for maintaining focus and motivation toward year-end.
The discussion emphasized the importance of reflection, consistency,
December Your Way: Strong Finish
time management, and maintaining work-life balance to achieve
& Cheerful Spirit
a strong and happy finish.
LGI menggelar kegiatan donor darah bertemakan Let’s Donate Blood
and be a LIGHT for Others yang bekerja sama dengan PMI Kota
Tangerang Selatan di Lounge Kantor Pusat, Karawaci. Acara ini diikuti
oleh 101 karyawan yang diawali dengan pemeriksaan medis sebelum
donor. Kegiatan ini tidak hanya memenuhi kebutuhan darah, tetapi juga
menumbuhkan kepedulian dan kebersamaan di lingkungan kerja LGI.
LGI conducted a blood donation drive themed Let’s Donate Blood and
Be a LIGHT for Others in collaboration with the PMI of South Tangerang
City at the Head Office Lounge in Karawaci. The event was attended
by 101 employees and commenced with medical screenings prior to
donation. This activity not only helped meet blood supply needs, but
also fostered a spirit of care and togetherness within the LGI’s work
environment.
22 Desember 2025
December 22th, 2025
LGI Gelar Donor Darah: Aksi Kepedulian di Hari Ibu
LGI Organized Blood Donation Drive: An Act of Care on Mother’s Day
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 39
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Kilas Kinerja 2025
Penghargaan dan Sertifikasi
Awards and Certifications
Penghargaan Awards
Penghargaan yang diterima Perseroan merupakan bentuk The awards received by the Company are a form of
apresiasi atas kinerja, inovasi, dan komitmen berkelanjutan appreciation for its performance, innovation, and sustained
dalam menjalankan praktik bisnis yang unggul dan commitment to implementing excellent and responsible
bertanggung jawab. Pengakuan ini menjadi motivasi bagi business practices. This recognition serves as a motivation
Perseroan untuk terus meningkatkan kualitas layanan, for the Company to continuously enhance service quality,
memperkuat reputasi, dan memberikan nilai tambah bagi strengthen its reputation, and consistently deliver added
pemangku kepentingan secara konsisten. value to all stakeholders.
Cedant Terbaik 2025 Joint Venture General Insurance The Excellent Performance
The Best Cedant 2025 Market Leaders Award 2025 General Insurance Company
Kategori / Category Kategori / Category Kategori / Category
Ekuitas >Rp500 Miliar - Rp1 Triliun - Ekuitas Rp500 Miliar - <Rp1 Triliun
Equity >Rp500 Billion - Rp1 Trillion Equity Rp500 Billion - <Rp1 Trillion
Penyelenggara / Organizer
Penyelenggara / Organizer Media Asuransi Penyelenggara / Organizer
PT Reasuransi Maipark Indonesia Majalah Infobank
Infobank Magazine
Indonesia Best General Insurance 2025 for Indonesia Best Financial
Fostering Real-Time and Accessible Insurance Awards 2025
Services through Digital Innovations
Kategori / Category Kategori / Category
General Insurance, Total Aset Rp1-5 T Indonesia Best Brand Image in General
General Insurance, Total Assets of Rp1-5 T Insurance - Asset Rp1-5 Trillion
Penyelenggara / Organizer Penyelenggara / Organizer
Warta Ekonomi The Iconomics
40 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 43
2025 Performance Highlight
3rd Place - Best General Insurance Best Employee Benefits Best General Insurance 2025
Company Insurance Company Kategori / Category
Kategori / Category Kategori / Category Ekuitas Rp500 Miliar - Rp1 Triliun
General Insurance - Ekuitas 1st Place - Employee Benefits Equity Rp500 Billion - Rp1 Trillion
Rp300 Miliar > Rp1,5 Triliun Insurance Providers
Penyelenggara / Organizer
General Insurance - Equity Penyelenggara / Organizer
Rp300 Billion > Rp1.5 Trillion Media Asuransi
Asosiasi Perusahaan Pialang Asuransi
Penyelenggara / Organizer dan Reasuransi Indonesia
Asosiasi Perusahaan Pialang Asuransi Association of Indonesian Insurance
dan Reasuransi Indonesia and Reinsurance Brokers
Association of Indonesian Insurance
and Reinsurance Brokers
Penghargaan yang diraih Perseroan menjadi cerminan The awards received by the Company reflect its dedication
atas dedikasi dan upaya berkelanjutan dalam mencapai and continuous efforts to attain excellence across various
keunggulan di berbagai aspek operasional. Pencapaian operational aspects. These achievements not only strengthen
ini tidak hanya memperkuat posisi Perseroan di industri, the Company’s position within the industry, but also serve
tetapi juga menjadi dorongan untuk terus berinovasi dan as an impetus to continue innovating and delivering positive
memberikan kontribusi positif bagi pemangku kepentingan. contributions to stakeholders. The Company believes
Perseroan meyakini bahwa penghargaan bukan sekadar that awards are not merely a form of recognition, but also
bentuk pengakuan, melainkan tanggung jawab untuk a responsibility to maintain and further enhance the quality of
mempertahankan dan meningkatkan kualitas kinerja di masa its performance in the future.
mendatang.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 41
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Kilas Kinerja 2025
Sertifikasi Certifications
Sertifikasi yang diperoleh Perseroan mencerminkan The certifications obtained by the Company reflect its
pemenuhan terhadap standar mutu dan keamanan informasi, compliance with applicable quality and information security
profesionalisme, serta kepatuhan terhadap regulasi yang standards, professionalism, and adherence to regulatory
berlaku. Hal ini menjadi bukti komitmen Perseroan dalam requirements. These certifications serve as evidence of
menjalankan operasional secara transparan, efisien, dan the Company’s commitment to conducting its operations in
terpercaya, sekaligus memperkuat kepercayaan mitra dan a transparent, efficient, and reliable manner, while further
pemangku kepentingan. strengthening the trust of partners and stakeholders.
ISO 9001:2015 on Quality ISO 9001:2015 on Quality ISO/IEC 27001:2022 on
Management Systems related to Management Systems related to Information Security Management
Operation of Health Services Operation of Non-Health Services System of Internal Data Center
Lembaga Sertifikasi / Lembaga Sertifikasi / Infrastructure Operations
Certification Body Certification Body Lembaga Sertifikasi /
United Registrar of Systems United Registrar of Systems Certification Body
United Registrar of Systems
Periode / Period Periode / Period
4 September 2025-3 September 2028 27 September 2023 - 26 September 2026 Periode / Period
September 4th, 2025 - September 3rd, 2028 September 27th, 2023 - September 26th, 2026 4 September 2024 - 3 September 2027
September 4th, 2024 - September 3rd, 2027
Reasuradur Utama Perseroan
The Company’s Main Reinsurers
Reasuradur merupakan mitra strategis dalam mengelola Reinsurers serve as strategic partners in managing and
dan menyebarkan risiko yang timbul dari berbagai jenis spreading risks arising from various types of insurance
pertanggungan. Dalam operasionalnya, LGI dapat bekerja coverage. In its operations, LGI may cooperate with both
sama dengan reasuradur yang berasal dari dalam negeri domestic and international reinsurers, depending on
maupun luar negeri, sesuai dengan kebutuhan kapasitas dan the required capacity and the complexity of the risks involved.
kompleksitas risiko yang dihadapi. Kehadiran reasuradur, baik The presence of reinsurers, both local and international,
lokal maupun internasional, memberikan dukungan penting provides essential support in maintaining financial stability,
dalam menjaga stabilitas keuangan, memperluas kapasitas expanding underwriting capacity, and ensuring business
penjaminan, dan memastikan keberlanjutan bisnis di tengah sustainability amid continuously evolving market dynamics.
dinamika pasar yang terus berkembang. Kolaborasi ini This collaboration constitutes an integral part of a solid and
menjadi bagian integral dari strategi manajemen risiko yang long-term-oriented risk management strategy.
solid dan berorientasi jangka panjang.
42 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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2025 Performance Highlight
Reasuradur
Rating
Reinsurer
A. Dalam Negeri / Domestic Companies
1. Reasuransi Indonesia Utama (Indonesia Re) idA (Pefindo)
2. Reasuransi Nusantara Utama (Nusantara Re) irAA- (KRI)
3. Tugu Reasuransi Indonesia A+ idn (Fitch Rating)
4. Indoperkasa Suksesjaya Reasuransi idA- (Pefindo)
B. Luar Negeri / Foreign Companies
1. Hannover Re A+ (AM Best)
2. Munich Re A+ (AM Best)
3. SCOR Re A (AM Best)
4. Labuan RE A- (AM Best)
Keanggotaan Asosiasi
Association Membership
Keanggotaan dalam asosiasi merupakan bagian penting dari Membership in associations is an integral part of
komitmen Perseroan untuk terus mengikuti perkembangan the Company’s commitment to keeping abreast of industry
industri dan menjaga standar profesionalisme serta tata kelola developments and maintaining standards of professionalism
yang baik. Melalui keikutsertaan dalam berbagai asosiasi and good corporate governance. Through its memberships
terkait, Perseroan dapat memperluas jaringan, berbagi in various relevant associations, the Company is able to
pengetahuan, dan berpartisipasi aktif dalam pembentukan expand its network, share knowledge, and actively contribute
kebijakan serta regulasi yang mendukung pertumbuhan to the formulation of policies and regulations that support
industri secara berkelanjutan. Selain itu, keanggotaan ini juga sustainable industry growth. In addition, such memberships
membuka akses terhadap berbagai pelatihan, forum diskusi, provide access to training programs, discussion forums,
dan kerja sama strategis yang bermanfaat bagi peningkatan and strategic collaborations that are beneficial in enhancing
kualitas layanan dan daya saing Perseroan di pasar nasional service quality and strengthening the Company’s
maupun regional. Informasi mengenai keanggotaan asosiasi competitiveness in both national and regional markets.
Perseroan secara lebih lengkap diuraikan sebagai berikut. Detailed information regarding the Company’s association
memberships is presented as follows.
Asosiasi Asuransi Umum Asosiasi Emiten Indonesia Kamar Dagang dan Industri Lembaga Alternatif
Indonesia (AAUI) (AEI) (KADIN) Indonesia Penyelesaian Sengketa
General Insurance Association Indonesian Public Listed Indonesian Chamber of Sektor Jasa Keuangan
of Indonesia (AAUI) Companies Association (AEI) Commerce and Industry Indonesian Alternative
(KADIN) Agencies for Dispute
Resolution in Financial
Services Sector
Skala Asosiasi /
Association Scale Skala Asosiasi / Skala Asosiasi / Skala Asosiasi /
Nasional / National Association Scale Association Scale Association Scale
Nasional / National Nasional / National Nasional / National
Posisi / Position
Anggota / Member Posisi / Position Posisi / Position Posisi / Position
Anggota / Member Anggota / Member Anggota / Member
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 43
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LAPORAN MANAJEMEN Management Report 44 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 47
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 45
Page 48
Laporan Manajemen
Laporan Dewan Komisaris
Report of the Board of Commissioners
Pemegang Saham dan Pemangku Kepentingan yang Terhormat,
Dear Honorable Shareholders and Stakeholders,
Puji dan syukur kami panjatkan kepada Tuhan Yang Maha We would like to express our praise and gratitude to
Esa atas capaian yang berhasil diraih LGI sepanjang tahun God Almighty for LGI's achievements throughout the
buku 2025. Tahun ini merupakan periode yang penuh 2025 financial year. This year was a dynamic period for
dinamika bagi industri asuransi, yang dipengaruhi oleh the insurance industry, influenced by the global economic
perkembangan kondisi ekonomi global, perubahan lanskap developments, changes in the financial industry landscape,
industri keuangan, serta akselerasi transformasi digital dalam and acceleration of digital transformation across various
berbagai sektor. Di tengah berbagai tantangan tersebut, sectors. Amidst these challenges, LGI was able to maintain
LGI mampu mempertahankan kinerja yang solid melalui solid performance through strengthened business strategies,
penguatan strategi bisnis, pengelolaan risiko yang prudent, prudent risk management, and improved service quality to
serta peningkatan kualitas layanan kepada nasabah dan customers and business partners.
mitra usaha.
Dewan Komisaris memandang bahwa Direksi telah The Board of Commissioners believes that the Board
menjalankan fungsi pengelolaan perusahaan secara efektif of Directors has effectively carried out its corporate
dengan tetap mengedepankan prinsip kehati-hatian dan management functions while prioritizing the principles of
GCG. Berbagai langkah strategis yang diambil sepanjang prudence and good corporate governance. Various strategic
tahun 2025, termasuk penguatan fundamental bisnis, steps taken throughout 2025, including strengthening
optimalisasi kinerja operasional, serta pengembangan inovasi business fundamental, optimizing operational performance,
layanan berbasis teknologi, menjadi faktor penting dalam and developing technology-based service innovation, are
menjaga stabilitas kinerja LGI sekaligus memperkuat daya crucial factors in maintaining LGI's stable performance while
saing di tengah persaingan industri yang semakin dinamis. strengthening its competitiveness amidst the increasingly
dynamic industry competition.
Melalui laporan ini, Dewan Komisaris menyampaikan Through this report, the Board of Commissioners conveys its
pandangan atas kinerja LGI selama tahun buku 2025, views on LGI's performance during the 2025 financial year,
pelaksanaan fungsi pengawasan terhadap kebijakan dan the implementation of its supervisory function regarding
strategi yang dijalankan Direksi, serta pandangan mengenai the policies and strategies implemented by the Board of
prospek usaha LGI ke depan. Directors, and its views on LGI's future business prospects.
Penilaian terhadap Kinerja Direksi Assessment of the Board of Directors'
Performance
Dewan Komisaris menilai bahwa Direksi telah menjalankan The Board of Commissioners assesses that the Board of
fungsi pengelolaan LGI secara efektif sepanjang tahun buku Directors effectively carried out LGI's management function
2025, yang tercermin dari capaian kinerja yang melampaui throughout the 2025 fiscal year, as reflected in performance
target serta penguatan fundamental bisnis. Total aset achievements that exceeded targets and strengthened
LGI pada tahun 2025 tercatat sebesar Rp3,12 triliun atau business fundamentals. LGI's total assets in 2025 were
109,77% dari target, meningkat 27,37% dibandingkan tahun recorded at Rp3.12 trillion, or 109.77% of the target, an
2024 sebesar Rp2,45 triliun. Sejalan dengan hal tersebut, increase of 27.37% compared to Rp2.45 trillion in 2024. In
liabilitas mencapai Rp2,09 triliun, meningkat 35,05%, line with this, liabilities reached Rp2.09 trillion, an increase
sementara ekuitas tercatat sebesar Rp1,03 triliun atau of 35.05%, while equity was recorded at Rp1.03 trillion,
107,42% dari target, meningkat 14,15% dibandingkan tahun or 107.42% of the target, an increase of 14.15% compared
46 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 49
Management Report
PARK
YOUNG
MOCK
Presiden Komisaris
President Commissioner
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 47
Page 50
Laporan Manajemen sebelumnya. Dewan Komisaris memandang penguatan to that of the previous year. The Board of Commissioners posisi keuangan ini mencerminkan pengelolaan bisnis dan views this strengthening financial position as a reflection of investasi yang prudent serta kemampuan Direksi dalam the prudent business and investment management as well as menjaga keseimbangan antara ekspansi usaha dan stabilitas the Board of Directors' ability to maintain a balance between permodalan. business expansion and capital stability. Dari sisi operasional, pendapatan jasa asuransi LGI From an operational perspective, LGI's insurance service mencapai Rp3,77 triliun atau 124,19% dari target, meningkat revenue reached Rp3.77 trillion, or 124.19% of the target, 20,47% dibandingkan tahun sebelumnya sebesar Rp3,13 an increase of 20.47% compared to the previous year's triliun. Sementara itu, beban jasa asuransi LGI mencapai Rp3.13 trillion. Meanwhile, LGI's insurance service expenses Rp3,42 triliun atau 117,37% dari target, meningkat 19,43% reached Rp3.42 trillion, or 117.37% of the target, an increase of dibandingkan tahun sebelumnya sebesar Rp2,87 triliun. 19.43% compared to the previous year's Rp2.87 trillion. This Pencapaian tersebut turut mendorong peningkatan achievement also drove a significant increase in profitability, profitabilitas secara signifikan, di mana laba tahun berjalan where the profit for the year reached Rp144.73 billion, or mencapai Rp144,73 miliar atau 260,43% dari target, 260.43% of the target, an increase of 125.69% compared to meningkat 125,69% dibandingkan tahun sebelumnya. that of the previous year. The Board of Commissioners also Dewan Komisaris juga mencatat bahwa kinerja LGI noted that LGI's performance received positive recognition memperoleh pengakuan positif dari lembaga pemeringkat from independent rating agencies, including an "AA+(idn)" independen, antara lain peringkat “AA+(idn)” dari Fitch rating from Fitch Ratings Indonesia, a Financial Strength Ratings Indonesia serta Financial Strength Rating “A-” dan Rating of "A-", and an Indonesia National Scale Rating of Indonesia National Scale Rating “aaa.ID” dari AM Best, yang "aaa.ID" from AM Best, which confirmed LGI's financial menegaskan kekuatan finansial, kualitas tata kelola, serta strength, quality of governance, and positive growth prospek pertumbuhan LGI yang positif. prospects. Pengawasan terhadap Perumusan dan Supervision of Strategy Formulation and Implementasi Strategi Implementation Dewan Komisaris secara aktif menjalankan fungsi The Board of Commissioners actively oversees the strategy pengawasan terhadap proses perumusan dan implementasi formulation and implementation process undertaken by strategi yang dilakukan oleh Direksi. Pengawasan tersebut the Board of Directors. This oversight is conducted through dilakukan melalui penelaahan berkala terhadap arah strategis regular reviews of LGI's strategic direction, evaluation of LGI, evaluasi terhadap rencana bisnis, serta pemantauan business plans, and monitoring of various strategic initiatives atas berbagai inisiatif strategis yang dijalankan untuk to ensure alignment among strategy, risk management, and memastikan keselarasan antara strategi, pengelolaan risiko, long-term objectives. The Board of Commissioners believes serta tujuan jangka panjang. Dewan Komisaris memandang that the Board of Directors has formulated a strategy that bahwa Direksi telah merumuskan strategi yang responsif is responsive to economic dynamics and developments in terhadap dinamika ekonomi dan perkembangan industri the insurance industry, including capitalizing on opportunities asuransi, termasuk memanfaatkan peluang yang muncul dari arising from accelerated digitalization and changes in akselerasi digitalisasi dan perubahan perilaku nasabah dalam customer behavior in accessing financial services. mengakses layanan keuangan. Dewan Komisaris mencermati bahwa Direksi telah The Board of Commissioners noted that the Board of Directors mengembangkan pendekatan yang terintegrasi melalui has developed an integrated approach by strengthening penguatan Digital Ecosystem dan Sales Ecosystem sebagai the Digital Ecosystem and Sales Ecosystem as the main fondasi utama dalam memperluas jangkauan pasar dan foundation in expanding market reach and improving service meningkatkan kualitas layanan. Inisiatif digital, termasuk quality. Digital initiatives, including the launch of telematics- peluncuran aplikasi MyGo+ berbasis telematika, dinilai based MyGo+ application, are considered strategic steps sebagai langkah strategis dalam mendorong inovasi layanan in driving service innovation while increasing customer sekaligus meningkatkan keterlibatan nasabah melalui engagement through utilizing technology. Furthermore, pemanfaatan teknologi. Selain itu, Dewan Komisaris juga the Board of Commissioners also assessed that the business menilai bahwa strategi diversifikasi portofolio bisnis yang portfolio diversification strategy implemented by the Board dilakukan Direksi, khususnya pada lini asuransi kesehatan, of Directors, particularly in the health, property, vehicle, properti, kendaraan, dan kredit, telah memperkuat ketahanan and credit insurance lines, has strengthened LGI's business portofolio bisnis LGI di tengah dinamika risiko industri. portfolio the amidst the dynamics of industry risks. 48 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Report Dewan Komisaris juga memantau secara seksama upaya The Board of Commissioners also closely monitors the Board Direksi dalam meningkatkan efisiensi operasional dan of Directors' efforts to improve operational efficiency and risk kualitas pengelolaan risiko melalui automasi proses klaim, management quality through claims process automation, digitalisasi layanan nasabah, serta optimalisasi proses customer service digitization, and underwriting process underwriting. Pengawasan turut mencakup kebijakan optimization. Oversight also includes prudent investment investasi yang dijalankan secara prudent serta penguatan policies and strengthening collaboration with reputable kerja sama dengan perusahaan reasuransi bereputasi baik reinsurance companies to maintain a balance between guna menjaga keseimbangan antara pertumbuhan bisnis business growth and profitability. Furthermore, the Board dan profitabilitas. Selain itu, Dewan Komisaris menilai bahwa of Commissioners assesses that the Board of Directors Direksi telah mengintegrasikan prinsip ESG dalam strategi has integrated ESG principles into LGI's business strategy, bisnis LGI, antara lain melalui pengembangan produk yang including through developing sustainability-oriented berorientasi pada keberlanjutan serta penerapan operasional products and conducting digital and paperless operations to berbasis digital dan paperless untuk mengurangi dampak reduce environmental impact. Through these various steps, lingkungan. Melalui berbagai langkah tersebut, Dewan the Board of Commissioners believes that the implementation Komisaris memandang bahwa implementasi strategi LGI of LGI's strategy has been consistent and has made a positive telah berjalan secara konsisten dan memberikan kontribusi contribution to strengthening LGI's competitiveness and positif terhadap penguatan daya saing serta keberlanjutan sustainable performance. kinerja LGI. Frekuensi dan Cara Pemberian Nasihat Frequency and Method of Providing kepada Direksi Advice to the Board of Directors Dewan Komisaris secara aktif memberikan nasihat dan The Board of Commissioners actively provides advice and arahan kepada Direksi sebagai bagian dari pelaksanaan direction to the Board of Directors as part of its oversight fungsi pengawasan dan penyeimbangan dalam tata kelola and balancing function in LGI's governance. This advice LGI. Pemberian nasihat dilakukan secara berkala melalui is provided periodically through Board of Commissioners rapat Dewan Komisaris, rapat gabungan dengan Direksi, meetings, joint meetings with the Board of Directors, and serta berbagai forum koordinasi lainnya yang membahas various other coordination forums that discuss performance perkembangan kinerja, implementasi strategi, serta berbagai developments, strategy implementation, and various isu strategis yang dihadapi LGI. Melalui forum-forum tersebut, strategic issues facing LGI. Through these forums, the Board Dewan Komisaris memastikan bahwa setiap kebijakan dan of Commissioners ensures that every policy and strategic langkah strategis yang diambil Direksi tetap selaras dengan step taken by the Board of Directors remains aligned with kepentingan jangka panjang LGI serta prinsip-prinsip GCG. LGI's long-term interests and GCG principles. Selain melalui mekanisme rapat formal, Dewan Komisaris In addition to formal meetings, the Board of Commissioners juga memberikan pandangan dan rekomendasi secara also provides insights and recommendations directly to langsung kepada Direksi apabila terdapat perkembangan the Board of Directors when strategic developments require strategis yang memerlukan perhatian khusus. Nasihat special attention. This advice covers various important tersebut mencakup berbagai aspek penting, antara lain aspects, including strengthening business strategy, risk penguatan strategi bisnis, pengelolaan risiko, kepatuhan management, regulatory compliance, and improving GCG terhadap regulasi, serta peningkatan kualitas GCG. Dengan quality. Through an open and constructive communication pendekatan komunikasi yang terbuka dan konstruktif, Dewan approach, the Board of Commissioners strives to ensure that Komisaris berupaya memastikan bahwa Direksi memperoleh the Board of Directors receives the support and strategic dukungan dan perspektif strategis yang diperlukan perspective necessary to effectively and sustainably manage untuk menjalankan pengelolaan LGI secara efektif dan LGI. berkelanjutan. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 49
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Laporan Manajemen
Pandangan terhadap Prospek Usaha Views on Business Prospects
Dewan Komisaris memandang bahwa prospek industri The Board of Commissioners views the insurance industry's
asuransi pada tahun 2026 tetap menjanjikan seiring prospects for 2026 as promising, driven by growing public
meningkatnya kesadaran masyarakat terhadap pentingnya awareness of the importance of financial protection and
perlindungan finansial serta semakin luasnya pemanfaatan widespread use of digital technology in financial services.
teknologi digital dalam layanan keuangan. Perkembangan The development of digitalization provides opportunities
digitalisasi memberikan ruang bagi perusahaan asuransi for insurance companies to offer more innovative, efficient,
untuk menghadirkan produk dan layanan yang lebih inovatif, and accessible products and services. National economic
efisien, dan mudah diakses oleh masyarakat. Stabilitas stability is also expected to drive demand for insurance
perekonomian nasional juga diharapkan dapat mendorong products across various sectors, particularly health, vehicles,
pertumbuhan permintaan produk asuransi di berbagai sektor, and property, thus opening opportunities for LGI to expand
khususnya kesehatan, kendaraan, dan properti, sehingga its market reach and strengthen its competitiveness.
membuka peluang bagi LGI untuk memperluas jangkauan
pasar dan memperkuat daya saingnya.
Dewan Komisaris menilai bahwa Direksi telah menetapkan The Board of Commissioners assesses that the Board
arah strategis yang tepat dalam memanfaatkan peluang of Directors has established the right strategic direction
tersebut melalui penguatan 3 pilar utama pertumbuhan, in exploiting these opportunities by strengthening
yaitu Asuransi Kesehatan, Asuransi Kredit, dan Korea Desk, the 3 main pillars of growth: Health Insurance, Credit
yang didukung oleh pengembangan inovasi digital, seperti Insurance, and Korea Desk, supported by the development
MyGo+, MyPro+, serta eBenefit Health dan eBenefit General. of digital innovations, such as MyGo+, MyPro+, as well as
Selain itu, diversifikasi produk, penguatan kolaborasi dengan eBenefit Health and eBenefit General. In addition, product
lembaga keuangan dan mitra strategis, serta pemanfaatan diversification, strengthening collaboration with financial
ekosistem digital diharapkan mampu meningkatkan penetrasi institutions and strategic partners, and utilizing the digital
pasar dan efisiensi operasional. Dengan strategi tersebut, ecosystem are expected to increase market penetration
Dewan Komisaris optimis LGI memiliki fondasi yang kuat and operational efficiency. With this strategy, the Board of
untuk menjaga pertumbuhan yang berkelanjutan sekaligus Commissioners is optimistic that LGI has a strong foundation
memperkuat posisi di industri asuransi nasional. to maintain sustainable growth while strengthening its
position in the national insurance industry.
Pandangan terhadap Penerapan Tata Views on the Implementation of
Kelola Perusahaan Corporate Governance
Dewan Komisaris menilai bahwa penerapan GCG di LGI The Board of Commissioners assesses that at LGI, GCG had
telah berjalan secara konsisten dan efektif sepanjang been consistently and effectively implemented throughout
tahun 2025. Direksi dinilai mampu mengintegrasikan 2025. The Board of Directors is deemed capable of
prinsip-prinsip perilaku beretika, transparansi, akuntabilitas, integrating the principles of ethical behavior, transparency,
dan keberlanjutan dalam seluruh proses pengelolaan accountability, and sustainability into all Company
perusahaan dan pengambilan keputusan strategis. management processes and strategic decision-making.
Penguatan peran organ tata kelola, termasuk Dewan Strengthening the role of governance organs, including the
Komisaris, Direksi, serta komite-komite yang berada di Board of Commissioners, the Board of Directors, and their
bawahnya, telah mendukung terciptanya mekanisme subordinate committees, has supported the creation of
pengawasan dan pengelolaan perusahaan yang seimbang a balanced Company oversight and management mechanism
serta selaras dengan ketentuan regulasi di industri jasa that aligns with regulatory provisions in the financial services
keuangan. industry.
Dewan Komisaris juga mencermati bahwa penerapan tata The Board of Commissioners also noted that LGI's governance
kelola LGI didukung oleh sistem pengendalian internal implementation is supported by an adequate internal control
yang memadai, termasuk penguatan manajemen risiko, system, including strengthening risk management, internal
fungsi audit internal, serta kepatuhan terhadap berbagai audit function, and compliance with various regulatory
ketentuan regulator. Penyempurnaan berkelanjutan terhadap requirements. Continuous improvement of the Code of
penerapan Kode Etik dan Standar Perilaku bagi seluruh Conduct and Standards of Conduct for all Company
insan perusahaan turut memperkuat budaya integritas dalam employees has also strengthened the culture of integrity
organisasi. Dewan Komisaris memandang bahwa praktik within the organization. The Board of Commissioners believes
50 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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tata kelola yang terintegrasi dengan proses bisnis tersebut that these governance practices, integrated with business
telah berkontribusi dalam menjaga stabilitas operasional, process, have contributed to maintaining operational stability,
meningkatkan kualitas pengambilan keputusan, serta improving the quality of decision-making, and strengthening
memperkuat kepercayaan Pemegang Saham dan seluruh the trust of Shareholders and all stakeholders in LGI.
pemangku kepentingan terhadap LGI.
Apresiasi Appreciation
Dewan Komisaris menyampaikan apresiasi kepada The Board of Commissioners expresses its appreciation to
Direksi beserta seluruh jajaran karyawan atas dedikasi, the Board of Directors and all employees for their dedication,
profesionalisme, serta komitmen yang tinggi dalam professionalism, and strong commitment in implementing
menjalankan strategi dan menjaga kinerja LGI sepanjang LGI's strategy and maintaining its performance throughout
tahun 2025. Penghargaan juga kami sampaikan kepada para 2025. We also extend our appreciation to our Shareholders,
Pemegang Saham, nasabah, mitra usaha, serta regulator customers, business partners, and regulators for their
atas kepercayaan dan dukungan yang terus diberikan continued trust and support.
kepada LGI.
Dengan fondasi bisnis yang semakin kuat, tata kelola yang With a stronger business foundation, well-maintained
terjaga, serta strategi yang adaptif terhadap dinamika governance, and a strategy that adapts to industry dynamics,
industri, Dewan Komisaris meyakini bahwa LGI memiliki the Board of Commissioners believes LGI has sufficient
kapasitas yang memadai untuk melanjutkan pertumbuhan capacity to continue sustainable growth. The support and
yang berkelanjutan. Dukungan dan sinergi seluruh pemangku synergy of all stakeholders will continue to be crucial in
kepentingan akan terus menjadi faktor penting dalam strengthening LGI's position in the insurance industry and
memperkuat posisi LGI di industri asuransi serta menciptakan creating long-term value for its shareholders.
nilai jangka panjang bagi para Pemegang Saham.
Atas nama Dewan Komisaris,
On behalf of the Board of Commissioners,
Park Young Mock
Presiden Komisaris
President Commissioner
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Laporan Manajemen Laporan Direksi Report of the Board of Directors Pemegang Saham dan Pemangku Kepentingan yang Terhormat, Dear Honorable Shareholders and Stakeholders, Puji dan syukur kami panjatkan ke hadirat Tuhan Yang Maha We would like to express our praise and gratitude to God Esa atas rahmat dan penyertaan-Nya sehingga LGI dapat Almighty for His grace and guidance, enabling LGI to navigate menjalani tahun buku 2025 dengan capaian kinerja yang the 2025 financial year with sustained performance despite an tetap terjaga di tengah dinamika lingkungan usaha yang increasingly challenging business environment. Throughout semakin menantang. Sepanjang tahun berjalan, industri the year, the financial services and insurance industry jasa keuangan dan asuransi dihadapkan pada berbagai faced various pressures stemming from global economic tekanan yang bersumber dari ketidakpastian ekonomi global, uncertainty, increasing risk complexity, and increasingly peningkatan kompleksitas risiko, serta perubahan kebutuhan dynamic customer needs. In these circumstances, LGI nasabah yang semakin dinamis. Dalam kondisi tersebut, LGI continued to maintain operational discipline, strengthen risk terus menjaga disiplin operasional, memperkuat pengelolaan management, and optimize business capabilities to maintain risiko, serta mengoptimalkan kapabilitas bisnis sehingga sound and sustainable growth momentum. mampu mempertahankan momentum pertumbuhan yang sehat dan berkelanjutan. Arah perjalanan LGI pada tahun ini tercermin dalam tema LGI's direction this year is reflected in the theme "Resilience “Resilience – 2nd Chapter: Improve, Develop, Explore.” Tema – 2nd Chapter: Improve, Develop, Explore." This theme marks ini menandai fase lanjutan dari penguatan ketangguhan LGI, the next phase of strengthening LGI's resilience, where the di mana daya lenting yang telah terbentuk dalam beberapa resilience developed over the past few years is not only tahun terakhir tidak hanya dimanfaatkan untuk menjaga utilized to maintain business stability, but also converted into stabilitas usaha, tetapi juga dikonversi menjadi akselerasi accelerated operational improvements and more targeted peningkatan kualitas operasional dan pertumbuhan yang growth. In line with this theme, various strategic steps lebih terarah. Sejalan dengan tema tersebut, berbagai implemented throughout 2025 were aimed at strengthening langkah strategis yang dijalankan sepanjang tahun 2025 the business foundation while opening up new opportunities diarahkan untuk memperkuat fondasi bisnis sekaligus for growth. We would like to briefly outline LGI's journey in membuka ruang pertumbuhan baru. Perjalanan LGI dalam realizing these achievements in the following description. merealisasikan berbagai pencapaian tersebut secara ringkas kami sampaikan pada uraian berikut. Tantangan Ekonomi dan Bisnis yang Economic and Business Challenges Faced Dihadapi Tahun 2025 berlangsung dalam lanskap perekonomian The year 2025 unfolded in a global economic landscape, global yang masih diwarnai dinamika dan ketidakpastian. which was still characterized by dynamics and uncertainty. Meskipun aktivitas ekonomi dunia menunjukkan ketahanan Although global economic activity demonstrated relatively yang relatif baik dibandingkan tahun sebelumnya, berbagai good resilience compared to that of the previous year, various faktor eksternal seperti ketegangan geopolitik, perubahan external factors such as geopolitical tensions, changes in trade kebijakan perdagangan, serta volatilitas pasar keuangan policies, and volatility in global financial markets continued to global tetap memberikan tekanan terhadap stabilitas ekonomi exert pressure on economic stability and business climate. dan iklim usaha. Pertumbuhan ekonomi global tercatat tetap Global economic growth was recorded to remain at 3.3% in berada pada angka 3,3% pada tahun 2025, menunjukkan 2025, demonstrating the ability of various countries to adapt 52 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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AGUS
BENJAMIN
Presiden Direktur
President Director
PT Lippo General Insurance Tbk Laporan
Laporan
Tahunan 2025
Tahunan 2025Annual
AnnualReport
Report 53
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Laporan Manajemen kemampuan berbagai negara dalam beradaptasi terhadap to changes in the global economic landscape, including perubahan lanskap ekonomi global, termasuk percepatan accelerated investment in the technology and digital sectors, investasi di sektor teknologi dan digital yang menjadi salah which were becoming new growth drivers in various regions. satu motor pertumbuhan baru di berbagai kawasan. Di tingkat nasional, perekonomian Indonesia tetap At national level, Indonesia’s economy continued to menunjukkan ketahanan yang cukup baik sepanjang demonstrate considerable resilience throughout 2025, tahun 2025 dengan mencatatkan pertumbuhan 5,11% recording growth of 5.11% compared to 5.03% the previous dibandingkan tahun sebelumnya sebesar 5,03%. Stabilitas year. Maintained macroeconomic stability was reflected makroekonomi yang terjaga tercermin dari inflasi yang relatif in relatively controlled inflation, stable rupiah exchange terkendali, stabilitas nilai tukar rupiah, serta ketahanan sistem rate, and robust national financial system. Policy synergy keuangan nasional yang tetap solid. Sinergi kebijakan antara among the government, Bank Indonesia, and financial pemerintah, Bank Indonesia, serta otoritas sektor keuangan sector authorities had strengthened the domestic economic turut memperkuat fondasi perekonomian domestik melalui foundations by strengthening economic transformation, penguatan transformasi ekonomi, akselerasi digitalisasi, accelerating digitalization, and increasing financial inclusion. serta peningkatan inklusi keuangan. Kondisi tersebut menjadi These conditions provided a crucial foundation for the landasan penting bagi keberlanjutan aktivitas ekonomi sustainability of national economic activity and opened up nasional sekaligus membuka peluang pertumbuhan di growth opportunities across various business sectors. berbagai sektor usaha. Bagi industri asuransi, perkembangan kondisi ekonomi For the insurance industry, these economic developments tersebut menghadirkan dinamika yang mendorong LGI presented dynamics that encouraged LGI to be more untuk semakin adaptif dalam mengelola risiko dan menjaga adaptive in managing risk and maintaining competitiveness. daya saing. Ketidakpastian ekonomi global mendorong Global economic uncertainty pushed insurance companies perusahaan asuransi untuk terus melakukan diversifikasi to continue diversifying their portfolios and strengthening portofolio serta memperkuat strategi mitigasi risiko guna risk mitigation strategies to maintain business quality. menjaga kualitas bisnis. Selain itu, tekanan terhadap tarif Furthermore, pressure on premium rates across several premi yang terjadi di sejumlah lini bisnis asuransi juga insurance business lines also required LGI to improve the menuntut LGI untuk meningkatkan ketepatan penilaian risiko accuracy of its risk assessments and implement more optimal (risk assessment) serta menerapkan strategi penetapan harga pricing strategies to maintain a balance between business yang lebih optimal agar tetap mampu menjaga keseimbangan growth and underwriting quality. antara pertumbuhan bisnis dan kualitas underwriting. Tahun 2025 juga menjadi periode penting bagi industri The year 2025 was also a crucial period for the insurance asuransi dalam menghadapi perubahan regulasi, khususnya industry in facing regulatory amendments, particularly implementasi standar pelaporan keuangan IFRS 17. Transisi the implementation of IFRS 17 financial reporting standard. menuju standar pelaporan tersebut memerlukan kesiapan The transition to this reporting standard requires system, sistem, proses, serta kapasitas SDM untuk memastikan process, and HR capacity to ensure effective implementation implementasi berjalan secara efektif dan selaras dengan and alignment with GCG practices. Furthermore, increasing praktik GCG. Selain itu, meningkatnya perhatian global global attention to climate change risks drove the insurance terhadap risiko perubahan iklim turut mendorong industri industry to strengthen its risk analysis model in order to asuransi untuk memperkuat model analisis risiko guna anticipate potential long-term impacts on its business mengantisipasi potensi dampak jangka panjang terhadap portfolio. Similarly, the push for implementing ESG principles portofolio bisnis. Begitu juga dengan dorongan terhadap was also growing, encouraging LGI to integrate sustainability penerapan prinsip ESG juga semakin menguat, sehingga LGI aspects into various aspects of its operations and business didorong untuk mengintegrasikan aspek keberlanjutan ke strategy. dalam berbagai aspek operasional dan strategi bisnis. 54 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Report Strategi dan Kebijakan Strategis Strategic Strategies and Policies in dalam Mengoptimalkan Momentum Optimizing Business Growth Momentum Pertumbuhan Bisnis LGI memandang dinamika ekonomi dan industri sebagai LGI views economic and industrial dynamics as a momentum momentum untuk memperkuat fondasi bisnis serta to strengthen business foundations and enhance long- meningkatkan ketahanan jangka panjang. Perkembangan term resilience. The increasing development of digital teknologi digital yang kian meningkat telah membuka peluang technology has opened up new opportunities for the growth baru bagi pertumbuhan industri asuransi di Indonesia. of insurance industry in Indonesia. LGI views the national LGI memandang bahwa pasar asuransi digital nasional digital insurance market as having very promising prospects, memiliki prospek yang sangat menjanjikan, seiring along with increasing technology penetration, changing meningkatnya penetrasi teknologi, perubahan perilaku customer behavior, and development of digital financial nasabah, serta berkembangnya ekosistem layanan keuangan services ecosystem. In the next few years, Indonesia’s digital digital. Dalam beberapa tahun ke depan, pasar asuransi digital insurance market is projected to grow. This potential provides Indonesia diproyeksikan tumbuh. Potensi tersebut menjadi a foundation for LGI to accelerate business transformation landasan bagi LGI untuk mempercepat transformasi bisnis and optimize various strategies to expand service reach and serta mengoptimalkan berbagai strategi guna memperluas enhance LGI's competitiveness. jangkauan layanan dan meningkatkan daya saing LGI. Dalam menangkap peluang tersebut, LGI mengembangkan To capture these opportunities, LGI is developing keunggulan kompetitif melalui pendekatan yang terintegrasi a competitive advantage through an integrated approach dengan membangun 2 ekosistem utama, yaitu Digital by building two main ecosystems: the Digital Ecosystem Ecosystem dan Sales Ecosystem. Digital Ecosystem and the Sales Ecosystem. The Digital Ecosystem leverages memanfaatkan teknologi untuk menghadirkan pengalaman technology to deliver more seamless and efficient customer nasabah yang lebih seamless dan efisien, mulai dari proses experience, from policy acquisition and claims submission akuisisi polis, pengajuan dan pemrosesan klaim, hingga and processing, to providing real-time financial education penyediaan edukasi finansial yang dapat diakses secara through various digital channels. Meanwhile, the Sales real-time melalui berbagai kanal digital. Sementara itu, Ecosystem continues to be strengthened through synergies Sales Ecosystem terus diperkuat melalui sinergi berbagai across various distribution channels, including agents, jalur distribusi, termasuk agen, perusahaan financial financial technology companies, insurance brokers, and technology, broker asuransi, serta lembaga keuangan, financial institutions, which complement each other in yang saling melengkapi dalam memperluas penetrasi pasar expanding market penetration and strengthening service dan memperkuat akses layanan bagi nasabah di berbagai access for customers across various segments. segmen. Sebagai bagian dari penguatan inovasi digital, LGI juga As part of its digital innovation efforts, LGI also launched meluncurkan aplikasi MyGo+ kepada publik sebagai solusi MyGo+ app to the public, a telematics-based solution that berbasis telematika yang mendorong perilaku berkendara encourages safer and more responsible driving behavior. yang lebih aman dan bertanggung jawab. Aplikasi ini The app features real-time driving score monitoring, menyediakan fitur pemantauan skor berkendara secara monthly driving challenges, and points system that can be real-time, tantangan berkendara bulanan, serta sistem redeemed for various attractive vouchers. This approach poin yang dapat ditukarkan dengan berbagai voucher not only strengthens digital interactions with customers, but menarik. Pendekatan ini tidak hanya memperkuat interaksi also encourages the creation of more proactive protection digital dengan nasabah, tetapi juga mendorong terciptanya ecosystem by increasing road safety awareness. ekosistem perlindungan yang lebih proaktif melalui peningkatan kesadaran keselamatan di jalan. Selain penguatan kapabilitas digital, LGI juga menjalankan In addition to strengthening digital capabilities, LGI also strategi diversifikasi portofolio bisnis untuk menjaga applies business portfolio diversification strategy to keseimbangan antara pertumbuhan dan kualitas bisnis. LGI maintain a balance between growth and business quality. memperkuat berbagai lini bisnis utama, termasuk asuransi LGI strengthens its various core business lines, including kesehatan, properti, kendaraan bermotor, dan kredit, health insurance, property, motor vehicles, and credit, sehingga portofolio bisnis menjadi lebih resilien terhadap thereby making the business portfolio more resilient to the PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 55
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Laporan Manajemen dinamika risiko di masing-masing sektor. Diversifikasi tersebut risk dynamics in each sector. This diversification is supported didukung oleh penerapan pendekatan risk-based pricing by the implementation of a risk-based pricing approach yang berbasis analisis data mendalam untuk memastikan based on in-depth data analysis to ensure more accurate penetapan premi yang lebih akurat sesuai dengan profil premium determination in line with customer risk profiles. risiko nasabah. Upaya peningkatan kualitas operasional juga dilakukan Efforts to improve operational quality are also made through melalui automasi proses klaim, digitalisasi layanan nasabah, claims process automation, customer service digitization, serta optimalisasi proses underwriting guna meningkatkan and underwriting process optimization to increase the efisiensi dan ketepatan pengelolaan risiko. Dari sisi efficiency and accuracy of risk management. In terms of pengelolaan aset, LGI menjalankan kebijakan investasi asset management, LGI implements a prudent investment secara prudent dengan menyesuaikan strategi investasi policy by adapting its investment strategy to the dynamics of terhadap dinamika kondisi ekonomi global, sehingga global economic conditions, so that the investment portfolio portofolio investasi tetap likuid, stabil, dan memiliki tingkat remains liquid, stable, and has a controlled risk level. LGI risiko yang terkendali. LGI juga memperkuat fondasi bisnis also strengthens its business foundation by collaborating melalui kerja sama dengan perusahaan reasuransi yang with reputable reinsurance companies to maintain a balance memiliki reputasi baik guna menjaga keseimbangan antara between business growth and profitability. At the same time, pertumbuhan bisnis dan profitabilitas. Di saat yang sama, LGI continues to encourage increased financial literacy LGI terus mendorong peningkatan literasi keuangan melalui through various educational campaigns to the public about berbagai kampanye edukasi kepada masyarakat mengenai the importance of insurance protection as part of better pentingnya perlindungan asuransi sebagai bagian dari financial planning. perencanaan keuangan yang lebih baik. Seluruh strategi tersebut dijalankan dengan tetap All these strategies are implemented while continuously mengintegrasikan prinsip ESG dalam model bisnis LGI. integrating ESG principles into LGI's business model. LGI LGI secara bertahap terus mengembangkan produk yang is gradually developing products that support sustainable mendukung praktik bisnis berkelanjutan serta menerapkan business practices and implementing digital-based and operasional berbasis digital dan paperless untuk mengurangi paperless operations to reduce its carbon footprint. This jejak karbon. Pendekatan ini memastikan bahwa approach ensures that the business growth achieved not only pertumbuhan bisnis yang dicapai tidak hanya memperkuat strengthens LGI's financial performance, but also creates kinerja keuangan LGI, tetapi juga menciptakan nilai jangka sustainable long-term value for all stakeholders. panjang yang berkelanjutan bagi seluruh pemangku kepentingan. Peranan Direksi dalam Perumusan Board of Directors’ Role in Formulating Strategi dan Kebijakan Strategis Strategic Strategies and Policies Direksi memegang peranan sentral dalam merumuskan The Board of Directors plays a central role in formulating arah strategi dan kebijakan strategis LGI guna memastikan LGI's strategic direction and policies to ensure sustainable keberlanjutan pertumbuhan bisnis serta penguatan fondasi business growth and strengthen LGI's operational operasional LGI. Proses perumusan strategi dilakukan foundation. The strategy formulation process is conducted melalui kajian komprehensif terhadap dinamika industri, through a comprehensive review of industry dynamics, perkembangan regulasi, perubahan perilaku nasabah, serta regulatory developments, changes in customer behavior, berbagai risiko dan peluang yang berkembang di lingkungan and various risks and opportunities emerging in the business usaha. environment. Dalam menjalankan peran tersebut, Direksi merumuskan In carrying out this role, the Board of Directors formulates kebijakan strategis dengan mengadopsi 3 filosofi utama, strategic policies by adopting three main philosophies: the yaitu Spirit of Improvement, Spirit of Development, dan Spirit Spirit of Improvement, the Spirit of Development, and the of Exploration. Spirit of Improvement merepresentasikan Spirit of Exploration. The Spirit of Improvement represents the semangat untuk terus memperbaiki dan meningkatkan spirit to continuously improve and enhance the foundation fondasi yang telah dibangun oleh LGI. Melalui filosofi that has been built by LGI. Through this philosophy, the ini, Direksi mendorong penyempurnaan berkelanjutan Board of Directors encourages continuous improvement of 56 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Report terhadap proses operasional, tata kelola, manajemen risiko, operational process, governance, risk management, and the serta kualitas layanan kepada nasabah agar tetap relevan quality of service to customers to remain relevant to the ever- dengan dinamika industri yang terus berkembang. Spirit evolving industry dynamics. The Spirit of Development is a of Development menjadi pendorong bagi pengembangan driving force for the development of innovation in various inovasi dalam berbagai aspek bisnis LGI. Filosofi ini mendorong aspects of LGI's business. This philosophy encourages the terciptanya produk, layanan, serta proses bisnis yang lebih creation of products, services, and business process that efektif, efisien, dan adaptif terhadap kebutuhan nasabah. are more effective, efficient, and adaptive to customer Melalui pendekatan tersebut, LGI berupaya memperkuat needs. Through this approach, LGI strives to strengthen kapabilitas organisasi sekaligus meningkatkan nilai tambah organizational capabilities while increasing the added value yang diberikan kepada nasabah dan mitra usaha. Sementara provided to customers and business partners. Meanwhile, the itu, Spirit of Exploration mencerminkan keberanian Direksi Spirit of Exploration reflects the Board of Directors' courage untuk secara aktif menjajaki berbagai peluang baru yang to actively explore new opportunities that can strengthen dapat memperkuat momentum pertumbuhan LGI. Filosofi LGI's growth momentum. This philosophy encourages the ini mendorong eksplorasi terhadap model bisnis baru, exploration of new business models, the development of pengembangan kemitraan strategis, serta pemanfaatan strategic partnerships, and the utilization of technology teknologi dan inovasi yang berpotensi membuka sumber and innovation that have the potential to open up broader pertumbuhan yang lebih luas. sources of growth. Proses yang Dilakukan Direksi untuk Process Undertaken by the Board Implementasi Strategi dan Kebijakan of Directors to Implement Strategic Strategis Strategies and Policies Direksi memastikan implementasi strategi dan kebijakan The Board of Directors ensures that LGI's strategic policies strategis LGI berjalan secara efektif, tepat sasaran, dan terukur and strategies are implemented effectively, on target, and melalui proses pengelolaan yang terstruktur dan terintegrasi. measurably through a structured and integrated management Proses ini diawali dengan perencanaan yang komprehensif, process. This process begins with comprehensive planning, di mana Direksi secara kolektif merumuskan visi, misi, serta where the Board of Directors collectively formulates the vision, tujuan strategis jangka pendek dan jangka panjang dengan mission, and short-term and long-term strategic objectives, mempertimbangkan dinamika industri, perkembangan by observing industry dynamics, regulatory developments, regulasi, kondisi pasar, serta kapasitas internal LGI. Untuk market conditions, and LGI's internal capacity. To ensure that memastikan strategi tersebut dapat dipahami dan dijalankan the strategy is understood and implemented consistently secara konsisten di seluruh organisasi, Direksi melakukan throughout the organization, the Board of Directors conducts komunikasi intensif dengan berbagai level manajemen intensive communication with various levels of management sehingga setiap unit kerja memiliki pemahaman yang selaras so that each work unit has a shared understanding of policy mengenai arah kebijakan dan target kinerja. Implementasi direction and performance targets. Strategy implementation strategi kemudian didukung melalui pengalokasian sumber is then supported by optimal resource allocation, including daya secara optimal, baik dari sisi keuangan, sumber daya financial, human resources, and technology, as well as manusia, maupun teknologi, serta penetapan indikator the establishment of key performance indicators (KPI) as kinerja utama KPI sebagai alat pemantauan dan evaluasi a tool for regular monitoring and evaluation. In addition, secara berkala. Selain itu, Direksi juga memberikan dukungan the Board of Directors also provides leadership support kepemimpinan melalui pembinaan, mentoring, dan coaching through coaching, mentoring, and training to business and kepada pimpinan unit bisnis dan operasional agar strategi operational unit leaders so that the formulated strategy can yang dirumuskan dapat diterjemahkan secara efektif dalam be effectively translated into daily operational activities. pelaksanaan kegiatan operasional sehari-hari. Pencapaian Kinerja 2025 Dibandingkan 2025 Performance Achievements dengan Target Compared to Targets Kinerja LGI sepanjang tahun 2025 menunjukkan capaian LGI's performance throughout 2025 demonstrated excellent yang sangat baik dan melampaui berbagai target yang results and exceeded various previously set targets. In terms telah ditetapkan sebelumnya. Dari sisi posisi keuangan, total of financial position, LGI's total assets in 2025 were recorded aset LGI pada tahun 2025 tercatat sebesar Rp3,12 triliun, at Rp3.12 trillion, or 109.77% of the set target. This value PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 57
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Laporan Manajemen atau mencapai 109,77% dari target yang telah ditetapkan. increased by 27.37%, or Rp670.84 billion, compared to the Nilai tersebut meningkat 27,37% atau Rp670,84 miliar asset position in 2024, which was recorded at Rp2.45 trillion. dibandingkan dengan posisi aset pada tahun 2024 yang This increase reflects LGI's strengthening financial capacity tercatat sebesar Rp2,45 triliun. Peningkatan ini mencerminkan supported by business growth and prudent investment penguatan kapasitas keuangan LGI yang didukung oleh management. In line with asset growth, LGI's total liabilities pertumbuhan bisnis serta pengelolaan investasi yang in 2025 were recorded at Rp2.09 trillion, an increase of prudent. Sejalan dengan pertumbuhan aset, total liabilitas LGI 35.05%, or Rp543.39 billion, compared to the 2024 position pada tahun 2025 tercatat sebesar Rp2,09 triliun, meningkat of Rp1.55 trillion. Meanwhile, LGI's equity reached Rp1.03 35,05% atau Rp543,39 miliar dibandingkan dengan posisi trillion, or 107.42% of the target, an increase of 14.15%, or tahun 2024 sebesar Rp1,55 triliun. Sementara itu, ekuitas LGI Rp127.45 billion, compared to Rp900.61 billion in 2024. mencapai Rp1,03 triliun atau 107,42% dari target, meningkat This increase in equity reflects the strengthening of LGI's 14,15% atau Rp127,45 miliar dibandingkan dengan tahun increasingly solid capital structure to support its business 2024 yang tercatat sebesar Rp900,61 miliar. Peningkatan expansion. ekuitas ini mencerminkan penguatan struktur permodalan yang semakin solid dalam mendukung ekspansi bisnis LGI. Dari sisi kinerja operasional, LGI berhasil mencatatkan In terms of operational performance, LGI successfully pendapatan jasa asuransi LGI sebesar Rp3,77 triliun atau recorded LGI insurance service revenue of Rp3.77 trillion or 124,19% dari target, meningkat 20,47% dibandingkan tahun 124.19% of the target, an increase of 20.47% compared to sebelumnya sebesar Rp3,13 triliun. Pertumbuhan tersebut the previous year of Rp3.13 trillion. This growth demonstrates menunjukkan keberhasilan strategi LGI dalam memperluas LGI's successful strategy in expanding its business base basis bisnis serta memperkuat penetrasi pasar melalui and strengthening market penetration through various berbagai jalur distribusi. Di sisi lain, beban jasa asuransi distribution channels. On the other hand, LGI's insurance LGI tercatat mencapai Rp3,42 triliun atau 117,37% dari service expenses were recorded at Rp3.42 trillion or 117.37% target, meningkat 19,43% dibandingkan tahun sebelumnya of the target, an increase of 19.43% compared to the previous sebesar Rp2,87 triliun. Pencapaian kinerja tersebut turut year of Rp2.87 trillion. These performance achievements mendorong peningkatan profitabilitas LGI secara signifikan. also significantly increased LGI's profitability. Throughout Sepanjang tahun 2025, laba tahun berjalan tercatat sebesar 2025, profit for the year was recorded at Rp144.73 billion, Rp144,73 miliar atau 260,43% dari target, meningkat or 260.43% of the target, an increase of 125.69%, or 125,69% atau Rp88,60 miliar dibandingkan dengan Rp88.60 billion, compared to Rp64.13 billion in 2024. laba tahun 2024 yang tercatat sebesar Rp64,13 miliar. This profit increase reflects LGI's success in maintaining Peningkatan laba ini mencerminkan keberhasilan LGI dalam a balance among business growth, underwriting quality, and menjaga keseimbangan antara pertumbuhan bisnis, kualitas operational efficiency. underwriting, serta efisiensi operasional. Kinerja LGI yang solid juga memperoleh pengakuan dari LGI's solid performance also received recognition from lembaga pemeringkat independen. Pada September 2025, independent rating agencies. In September 2025, LGI memperoleh peringkat “AA+(idn)” dengan outlook stabil LGI received an "AA+(idn)" rating with a stable outlook from dari Fitch Ratings Indonesia, yang mencerminkan kekuatan Fitch Ratings Indonesia, reflecting LGI's excellent financial finansial LGI yang sangat baik, profitabilitas yang terus strength, steadily increasing profitability, and robust capital meningkat, serta struktur permodalan yang kuat. Selain itu, structure. Furthermore, LGI recorded a Risk-Based Capital LGI juga mencatat rasio Risk-Based Capital (RBC) sebesar (RBC) ratio of 303.99% as of December 2025, well above 303,99% per Desember 2025, jauh di atas batas minimum the minimum limit set by regulators, demonstrating a very yang ditetapkan oleh regulator, sehingga menunjukkan adequate level of capital resilience. tingkat ketahanan permodalan yang sangat memadai. Penguatan kinerja LGI juga tercermin dari pengakuan LGI's strengthening performance is also reflected in the lembaga pemeringkat global yang meraih Financial Strength recognition from global rating agencies, which have awarded Rating “A–“ (Excellent), Long-Term Issuer Credit Rating “a–” a Financial Strength Rating of "A-" (Excellent), a Long-Term (Excellent), serta Indonesia National Scale Rating (NSR) “aaa. Issuer Credit Rating of "a-" (Excellent), and an Indonesia ID” (Exceptional). Peringkat tersebut menegaskan posisi LGI National Scale Rating (NSR) of "aaa.ID" (Exceptional). These sebagai perusahaan asuransi dengan fondasi keuangan ratings affirm LGI's position as an insurance company with yang kuat, tata kelola yang baik, serta prospek pertumbuhan a strong financial foundation, good governance, and positive yang positif dalam jangka panjang. long-term growth prospects. 58 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Report Prospek Usaha 2026 dan Strategi dalam Business Prospects for 2026 and Mengoptimalkannya Strategies for Optimizing Them Industri asuransi pada tahun 2026 diperkirakan tetap The insurance industry is expected to remain on berada dalam jalur pertumbuhan yang positif seiring a positive growth path in 2026, driven by increasing public meningkatnya kesadaran masyarakat terhadap pentingnya awareness of the importance of financial protection and the perlindungan finansial serta semakin luasnya pemanfaatan widespread use of digital technology in financial services. teknologi digital dalam layanan keuangan. Perkembangan The development of digitalization opens up opportunities digitalisasi membuka peluang bagi perusahaan asuransi for insurance companies to offer more innovative, efficient, untuk menghadirkan produk dan layanan yang lebih inovatif, and accessible products and services. This provides LGI with efisien, dan mudah diakses oleh masyarakat. Kondisi tersebut the opportunity to expand its market reach, improve service memberikan ruang bagi LGI untuk memperluas jangkauan quality, and strengthen relationships with customers and pasar, meningkatkan kualitas layanan, serta memperkuat business partners. Furthermore, the relatively stable national hubungan dengan nasabah dan mitra bisnis. Di sisi lain, economy is also expected to drive growth in demand for perekonomian nasional yang relatif stabil juga diharapkan insurance products across various sectors, including health, mampu mendorong pertumbuhan permintaan produk vehicles, and property. asuransi di berbagai sektor, termasuk kesehatan, kendaraan, dan properti. Memanfaatkan peluang tersebut, LGI menetapkan Taking advantage of this opportunity, LGI has set a business target bisnis tahun 2026 dengan fokus pada penguatan target for 2026 with a focus on strengthening three main 3 pilar utama pertumbuhan, yaitu Asuransi Kesehatan, pillars of growth: Health Insurance, Credit Insurance, and the Asuransi Kredit, dan Korea Desk. Pengembangan bisnis Korea Desk. The development of health insurance business asuransi kesehatan diarahkan sebagai fondasi utama is aimed at being the main foundation for long-term growth, pertumbuhan jangka panjang, sejalan dengan meningkatnya in line with the increasing need for public health protection. kebutuhan perlindungan kesehatan masyarakat. Selain Furthermore, the expansion of credit insurance products itu, ekspansi pada produk asuransi kredit difokuskan pada is focused on the Small and Medium Enterprises (SMEs) sektor Usaha Kecil dan Menengah (UKM) yang memiliki sector, which has high growth potential and is in line with potensi pertumbuhan tinggi serta sejalan dengan kebijakan government policy to strengthen the national productive pemerintah dalam memperkuat sektor produktif nasional. sector. Meanwhile, the Korea Desk is developed to strengthen Sementara itu, pengembangan Korea Desk dilakukan untuk collaboration with South Korean companies and investors memperkuat kolaborasi dengan perusahaan dan investor asal who are increasingly active in investing in Indonesia. Through Korea Selatan yang semakin aktif berinvestasi di Indonesia. this strategy, LGI targets achieving a Gross Written Premium Melalui strategi tersebut, LGI menargetkan pencapaian (GWP) of Rp3.8 trillion and a profit before tax of Rp158.7 Gross Written Premium (GWP) sebesar Rp3,8 triliun serta billion, accompanied by efforts to maintain EBITDA growth laba sebelum pajak sebesar Rp158,7 miliar, disertai upaya and increase valuation sustainably. menjaga pertumbuhan EBITDA dan peningkatan valuasi secara berkelanjutan. Untuk mendukung pencapaian target tersebut, LGI To support the achievement of these targets, LGI carries menjalankan berbagai inisiatif strategis yang berfokus pada out various strategic initiatives, focusing on digitalization, digitalisasi, inovasi produk, serta penguatan ekosistem product innovation, and strengthening the business bisnis. Inisiatif digitalisasi dilakukan melalui pengembangan ecosystem. Digitalization initiatives are carried out through berbagai platform teknologi, seperti MyGo+, program the development of various technology platforms, such asuransi kendaraan berbasis perilaku yang memanfaatkan as MyGo+, a behavior-based vehicle insurance program teknologi telematika dan dukungan analisis berbasis AI that utilizes telematics technology and AI-based analysis untuk memantau kebiasaan berkendara dan memberikan support to monitor driving habits and provide incentives insentif bagi pengendara yang aman. Selain itu, LGI juga for safe drivers. In addition, LGI also develops MyPro+, mengembangkan MyPro+, platform layanan asuransi an omni-channel digital insurance service platform that digital berbasis omni-channel yang memudahkan nasabah makes it easier for customers to access various insurance mengakses berbagai layanan asuransi secara terintegrasi. services in an integrated manner. Digital transformation Transformasi digital juga diperkuat melalui optimalisasi is also strengthened through the optimization of eBenefit eBenefit Health dan eBenefit General sebagai aplikasi Health and eBenefit General as digital service applications layanan digital yang mendukung pengelolaan layanan that support the management of corporate health services kesehatan korporasi dan asuransi umum secara lebih efisien and general insurance in a more efficient and integrated dan terintegrasi. manner. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 59
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Laporan Manajemen Di samping digitalisasi, LGI juga memperluas portofolio In addition to digitalization, LGI also expands its product produk untuk menjawab kebutuhan pasar yang terus portfolio to meet the evolving market needs. These initiatives berkembang. Inisiatif tersebut meliputi pengembangan include developing travel protection for Schengen area, perlindungan perjalanan untuk kawasan Schengen, providing insurance for SME sector, and developing cyber penyediaan asuransi bagi sektor UKM, serta pengembangan insurance to anticipate increasing digital risks for business. cyber insurance guna mengantisipasi meningkatnya risiko LGI also continues to strengthen collaboration with various digital bagi dunia usaha. LGI juga terus memperkuat financial institutions, brokers, and strategic partners to kolaborasi dengan berbagai lembaga keuangan, broker, increase market penetration and expand distribution network, serta mitra strategis guna meningkatkan penetrasi pasar dan including through collaboration within the digital ecosystem. memperluas jaringan distribusi, termasuk melalui kerja sama pada ekosistem digital. Penerapan Tata Kelola Perusahaan Implementation of Corporate Governance Penerapan GCG merupakan landasan penting dalam The implementation of GCG is an important foundation menjaga keberlanjutan usaha dan memperkuat kepercayaan for maintaining business sustainability and strengthening para pemangku kepentingan. LGI secara konsisten stakeholder trust. LGI consistently applies the principles menerapkan prinsip-prinsip perilaku beretika, transparansi, of ethical behavior, transparency, accountability, and akuntabilitas, dan keberlanjutan dalam seluruh aktivitas sustainability in all operational activities and strategic operasional dan pengambilan keputusan strategis. decision-making. These principles are carried out through Implementasi prinsip-prinsip tersebut diwujudkan melalui strengthening the role of governance organs, namely penguatan peran organ tata kelola, yaitu Dewan Komisaris, the Board of Commissioners, the Board of Directors, Direksi, serta komite-komite di bawah Dewan Komisaris and committees under the Board of Commissioners and dan Direksi, yang menjalankan fungsi pengawasan dan the Board of Directors, which carry out supervisory and pengelolaan secara efektif sesuai dengan ketentuan management functions effectively in accordance with the peraturan perundang-undangan yang berlaku di industri provisions of laws and regulations applicable in the financial jasa keuangan. services industry. Penerapan tata kelola tersebut juga didukung oleh berbagai The implementation of good corporate governance is also kebijakan dan mekanisme pengendalian internal yang supported by various policies and internal control mechanism dirancang untuk memastikan kegiatan usaha berjalan designed to ensure business activities are conducted secara prudent, transparan, dan berintegritas. LGI secara prudently, transparently, and with integrity. LGI continuously berkelanjutan melakukan penyempurnaan terhadap sistem improves its risk management system, internal audit function, manajemen risiko, fungsi audit internal, kepatuhan terhadap regulatory compliance, and the implementation of Code regulasi, serta penerapan Kode Etik dan Standar Perilaku of Conduct and Standards of Conduct for all Company bagi seluruh insan perusahaan. Melalui penguatan praktik employees. By strengthening good corporate governance tata kelola yang terintegrasi dengan proses bisnis, LGI practices, integrated with business process, LGI strives to berupaya menjaga stabilitas operasional, meningkatkan maintain operational stability, improve decision-making kualitas pengambilan keputusan, serta menciptakan nilai quality, and create sustainable value for shareholders and all yang berkelanjutan bagi Pemegang Saham dan seluruh stakeholders. pemangku kepentingan. Apresiasi Appreciation Direksi menyampaikan apresiasi yang setinggi-tingginya The Board of Directors expresses its highest appreciation to karyawan atas dedikasi, profesionalisme, dan semangat all employees for their dedication, professionalism, and high kerja yang tinggi dalam menjalankan setiap strategi dan work ethics in implementing every Company strategy and inisiatif perusahaan sepanjang tahun 2025. Apresiasi initiative throughout 2025. Appreciation is also extended to juga disampaikan kepada Dewan Komisaris atas arahan, the Board of Commissioners for the direction, supervision, pengawasan, dan nasihat strategis yang senantiasa and strategic advice that continuously strengthen the quality memperkuat kualitas pengelolaan LGI. Kami juga of LGI's management. We also express our appreciation menyampaikan apresiasi dan terima kasih kepada seluruh and gratitude to all Shareholders for their continued trust Pemegang Saham atas kepercayaan dan dukungan yang and support, as well as to all customers, business partners, 60 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Report
terus diberikan serta kepada setiap nasabah, mitra bisnis, regulators, and all other stakeholders who have provided
regulator, serta seluruh pemangku kepentingan lainnya ongoing support for LGI's journey and development.
yang telah memberikan dukungan berkelanjutan terhadap With an increasingly strong performance foundation, the
perjalanan dan perkembangan LGI. Dengan fondasi support of all stakeholders, and a commitment to constant
kinerja yang semakin kuat, dukungan seluruh pemangku innovation and improvement of service quality, LGI is
kepentingan, serta komitmen untuk terus berinovasi optimistic to continue its sustainable growth and strengthen
dan meningkatkan kualitas layanan, LGI optimistis dapat its contribution to the insurance industry and the national
melanjutkan pertumbuhan yang berkelanjutan dan economy in the future.
memperkuat kontribusinya bagi industri asuransi serta
perekonomian nasional pada masa yang akan datang.
Atas nama Direksi,
On behalf of the Board of Directors,
Agus Benjamin
Presiden Direktur
President Director
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Tanggung Jawab Laporan Tahunan
Annual Report Responsibility
Surat Pernyataan Anggota Dewan Komisaris dan Anggota Direksi
tentang Tanggung Jawab atas Laporan Tahunan 2025
PT Lippo General Insurance Tbk
Statement of Members of the Board of Commissioners and the Board of Directors
on the Responsibility for the 2025 Annual Report of
PT Lippo General Insurance Tbk
Kami, yang bertanda tangan di bawah ini, menyatakan We, the undersigned, hereby declare that the 2025
bahwa seluruh informasi dalam Laporan Tahunan Annual Report of PT Lippo General Insurance Tbk has
PT Lippo General Insurance Tbk tahun 2025 telah dimuat already contained a complete information and we shall
secara lengkap dan bertanggung jawab penuh atas be fully responsible for the correctness of the Company’s
kebenaran isi Laporan Tahunan Perseroan. Annual Report content.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is hereby made in all truthfulness.
Jakarta, 7 April 2026 / Jakarta, April 7th, 2026
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Park Young Mock
Presiden Komisaris
President Commissioner
Hyacintus Henri Djantoko Sapto Wahyu Indratno Roberto Fernandez Feliciano
Komisaris Independen Komisaris Independen Komisaris
Independent Commissioner Independent Commissioner Commissioner
DIREKSI
BOARD OF DIRECTORS
Agus Benjamin
Presiden Direktur
President Director
Choi Hyunhee Kwon Gi Han Gilbert Deddy Naibaho
Wakil Presiden Direktur Direktur Direktur
Vice President Director Director Director
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 63
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PROFIL
PERUSAHAAN
Company Profile
Sekilas LGI
LGI Overview
1
Kantor Pusat
Head Office
1 12
Kantor Pusat Operasional Kantor Cabang dan Pemasaran
Operational Head Office Branch and Marketing Offices
278 2.584
Bengkel Rekanan Provider
Partner Worskhop
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Profil Perusahaan
Riwayat Singkat
Brief History
PT Lippo General Insurance Tbk didirikan pada
6 September 1963 dengan nama PT Asuransi Brawidjaja.
Sejak awal pendiriannya, LGI berfokus pada penyediaan
layanan asuransi bagi masyarakat Indonesia dan secara
bertahap mengembangkan kapasitas usaha seiring dengan
pertumbuhan industri asuransi nasional. Perjalanan panjang
Perseroan ditandai oleh berbagai perubahan strategis yang
mencerminkan upaya adaptasi terhadap dinamika bisnis dan
kebutuhan pasar.
Perubahan nama pertama dilakukan pada 24 Januari
1964 menjadi PT Maskapai Asuransi Marga Suaka, diikuti
perubahan nama menjadi PT Asuransi Marga Pusaka pada
1 Oktober 1982. Rangkaian perubahan tersebut merupakan
bagian dari proses penguatan identitas perusahaan dan
penyesuaian arah pengembangan usaha agar lebih
terstruktur dan berkelanjutan.
PT Lippo General Insurance Tbk was established on
September 6th, 1963, under the name PT Asuransi Brawidjaja.
Since its establishment, LGI focused on providing insurance
services to the Indonesian people and gradually expanded
its business capacity in line with the growth of the national
insurance industry. The Company’s long journey has been
marked by a series of strategic changes reflecting its efforts
to adapt to evolving business dynamics and market needs.
The first name change took place on January 24th, 1964, to
PT Maskapai Asuransi Marga Suaka, followed by another
change to PT Asuransi Marga Pusaka on October 1st, 1982.
This series of changes is part of the process of strengthening
the company’s identity and realigning its business
development strategy toward a more structured and
sustainable direction.
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Company Profile Transformasi signifikan berikutnya terjadi pada 6 Juli 1991, A further significant transformation occurred on ketika Perseroan mengubah nama menjadi PT Lippo General July 6th, 1991, when the Company adopted the name Insurance. Perubahan ini menegaskan afiliasi Perseroan PT Lippo General Insurance. This change reaffirmed dengan Grup Lippo sekaligus memperkuat posisi Perseroan the Company’s affiliation with the Lippo Group and reinforced di industri asuransi umum. Pada 21 April 1997, LGI resmi its position within the general insurance industry. On menjadi perusahaan terbuka dan mencatatkan sahamnya April 21st, 1997, LGI officially became a public company and di Bursa Efek Indonesia pada 22 Juli 1997, sebagai bagian subsequently listed its shares on Indonesia Stock Exchange dari upaya meningkatkan transparansi dan tata kelola on July 22nd, 1997, as part of its commitment to enhancing perusahaan. transparency and corporate governance. Dalam merespons perkembangan teknologi dan perubahan In response to technological advancements and changes perilaku nasabah, LGI mulai melakukan transformasi digital in customer behavior, LGI embarked on a comprehensive secara menyeluruh pada 2018. Upaya ini dilanjutkan dengan digital transformation in 2018. This initiative was followed peluncuran aplikasi eBenefit Health dan eBenefit General by the launch of eBenefit Health and eBenefit General pada 1 Maret 2021, yang memungkinkan nasabah mengakses applications on March 1st, 2021, enabling customers to layanan asuransi secara lebih mudah dan terintegrasi melalui access insurance services more conveniently and seamlessly platform digital. through integrated digital platforms. Dengan pengalaman panjang dan proses transformasi yang Leveraging its extensive experience and ongoing berkelanjutan, Perseroan terus memperkuat fondasi bisnis transformation efforts, the Company continues to strengthen agar tetap relevan dalam menghadapi dinamika industri its business foundation to remain relevant amid the evolving asuransi. Perseroan memandang inovasi dan pemanfaatan dynamics of the insurance industry. The Company views teknologi sebagai bagian integral dalam mendukung innovation and effective use of technology as integral keberlanjutan usaha serta peningkatan kualitas layanan components in supporting business sustainability and kepada nasabah. enhancing the quality of services delivered to its customers. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 67
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Profil Perusahaan
Visi dan Misi
Vision and Mission
Visi Vision
Menjadi salah satu perusahaan
asuransi umum terkemuka di
Indonesia dengan akses yang kuat
dalam jaringan internasional.
To be one of the leading general insurers
in Indonesia with a strong access in
the international networks.
Misi Mission
Menjalankan usaha perasuransian
umum secara profesional dan
penuh kehati-hatian serta
berkomitmen tinggi untuk mencapai
pertumbuhan yang sehat melalui
standar pelayanan yang super.
Conducting general insurance business
professionally and prudently with high
commitment to profitable growth
through superior standards of service.
Tinjauan Visi dan Misi oleh Dewan Komisaris Company Vision and Mission Review by
dan Direksi the Board of Commissioners and Board of
Directors
Dalam rangka memastikan arah strategis Perseroan tetap sejalan In order to ensure that the Company’s strategic direction
dengan perkembangan lingkungan bisnis, Dewan Komisaris remains aligned with developments in the business environment,
dan Direksi secara berkala melakukan peninjauan terhadap Visi the Board of Commissioners and Board of Directors periodically
dan Misi Perseroan. Peninjauan ini menjadi bagian penting dari review the Company’s Vision and Mission. This review forms an
proses evaluasi strategis agar Visi dan Misi yang telah ditetapkan essential part of the strategic evaluation process to ensure that
senantiasa relevan dan adaptif terhadap dinamika pasar yang the established Vision and Mission remain relevant and adaptive
terus berubah. Berdasarkan evaluasi yang dilakukan tahun to ever-changing market dynamics. Based on the evaluation
2025, hasilnya menunjukkan bahwa Visi dan Misi Perseroan conducted in 2025, the results indicate that the Company’s
masih mencerminkan aspirasi jangka panjang dan mendukung Vision and Mission continue to reflect its long-term aspirations
langkah-langkah bisnis yang dijalankan saat ini. and support the business initiatives currently being implemented.
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Company Profile
Nilai dan Budaya Perusahaan
Corporate Values and Culture
Nilai dan budaya perusahaan memainkan peran penting dalam In order to ensure that the Company’s strategic direction remains
membentuk perilaku organisasi serta menjadi panduan dalam aligned with developments in the business environment, the
pengambilan keputusan di setiap tingkatan. Bagi Perseroan, Board of Commissioners and Board of Directors periodically
penerapan nilai dan budaya yang konsisten membantu review the Company’s Vision and Mission. This review forms an
menciptakan lingkungan kerja yang solid dan profesional, serta essential part of the strategic evaluation process to ensure that
memperkuat hubungan dengan nasabah, mitra, dan pemangku the established Vision and Mission remain relevant and adaptive
kepentingan lainnya. Nilai dan budaya ini tidak hanya tercermin to ever-changing market dynamics. Based on the evaluation
dalam cara Perseroan beroperasi, tetapi juga dalam bagaimana conducted in 2025, the results indicate that the Company’s
Perseroan merespons perubahan, tantangan, dan peluang di Vision and Mission continue to reflect its long-term aspirations
pasar. and support the business initiatives currently being implemented.
Selalu bersyukur
GRATEFULNESS Always be grateful
Menjunjung tinggi etika dan moral
INTEGRITY To uphold ethics and morals
Terus maju dan berkembang
PROGRESS To move forward and grow
Keinginan kuat untuk bekerja dengan sepenuh hati
PASSION Strong passion to work wholeheartedly
Kebijakan Mutu dan Keamanan Informasi Perseroan
The Company’s Quality and Information Security Policy
Meningkatkan kualitas Mengembangkan Mengoptimalkan Menjaga keseimbangan Memastikan operasional
Produk-Layanan dan sumber daya manusia pengelolaan sarana aspek fundamental, Perseroan sesuai dengan
efektivitas Sistem secara berkelanjutan dan prasarana guna komersial, dan inovasi tata kelola perusahaan
Manajemen agar tetap kompeten mencapai produktivitas dalam pengelolaan risiko. yang baik dan
Mutu-Keamanan secara teknis, profesional optimum. peraturan yang berlaku
Informasi secara terus secara sikap, dan dengan dilandaskan
menerus sesuai dinamika berintegritas secara pada prinsip-prinsip
pasar dan kepuasan moral. pengelolaan proses
Nasabah. kerja sesuai Sistem
Manajemen Mutu-
Keamanan Informasi.
Improving the quality Developing human Optimizing Maintaining a balance Ensuring that the
of Products-Services resources quality in the management of fundamental, Company’s operations
and the effectiveness a sustainable manner of facilities and commercial, and are in accordance
of Quality-Information so that they have the infrastructure efficiently innovation aspects in risk with good corporate
Security Management quality of competency and effectively in order management. governance and
System continuously technically, professionally to achieve optimum applicable regulations
according to market in attitude, and with productivity. based on the principles
dynamics and Customer moral integrity. of managing work
satisfaction. processes according to
the Quality Management
System-Information
Security.
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Profil Perusahaan
Bidang Usaha
Line of Business
Perseroan menjalankan kegiatan usaha di bidang asuransi The Company conducts its business activities in
berdasarkan ketentuan yang tercantum dalam Anggaran the insurance sector in accordance with the provisions
Dasar yang terakhir kali diubah dengan Akta Pernyataan outlined in its Articles of Association, as lastly amended by
Sebagian Keputusan Rapat Umum Pemegang Saham the Deed of Partial Statement of the Extraordinary General
Luar Biasa PT Lippo General Insurance Tbk No. 91 tanggal Meeting of Shareholders of PT Lippo General Insurance Tbk
21 Agustus 2024, sebagaimana tertuang dalam akta yang No. 91 dated August 21st, 2024, as stated in the deed drawn up
disusun oleh Notaris Sriwi Bawana Nawaksari, S.H., M.Kn., by Notary Sriwi Bawana Nawaksari, S.H., M.Kn., in Tangerang
di Kabupaten Tangerang. Dalam menjalankan kegiatan Regency. In carrying out its business activities, the Company
usaha tersebut, Perseroan fokus pada penyelenggaraan focuses on non-life insurance operations, which encompass
usaha asuransi non-jiwa, yang mencakup berbagai layanan a wide range of risk protection services in accordance with
perlindungan risiko sesuai dengan ruang lingkup kegiatan the scope of its business activities, including:
usahanya, meliputi:
Asuransi Umum Konvensional
Conventional General Insurance
Mencakup usaha asuransi umum yang diselenggarakan secara konvensional, dengan kegiatan usaha,
meliputi penyelenggaraan usaha jasa pertanggungan risiko yang memberikan penggantian kepada
tertanggung atau pemegang polis karena kerugian, kerusakan, biaya yang timbul, kehilangan keuntungan,
atau tanggung jawab hukum kepada pihak ketiga yang mungkin diderita tertanggung atau pemegang
polis karena terjadinya suatu peristiwa yang tidak pasti.
Cover general insurance business carried out conventionally, with business activities including the
organization of risk coverage services that provide compensation to the insured or policyholder due to loss,
damage, costs incurred, loss or profit or legal liability to third parties that may be suferred by the insured
or policyholder due to the occurrence of an uncertain event.
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Company Profile
Produk dan Layanan
Products and Services
Sebagai perusahaan asuransi yang telah berkiprah panjang As an insurance company with a long-standing presence
di industri asuransi nasional, LGI menawarkan berbagai in Indonesia’s national insurance industry, LGI offers a wide
produk dan layanan asuransi yang dirancang untuk range of insurance products and services designed to provide
memberikan perlindungan menyeluruh bagi individu, comprehensive protection for individuals, families, and
keluarga, maupun korporasi. Didukung oleh sistem digital corporate clients. Supported by an integrated digital system,
yang terintegrasi, LGI juga menghadirkan kemudahan akses LGI also delivers convenient access to services through
layanan melalui aplikasi eBenefit, baik untuk kebutuhan klaim the eBenefit application, enabling customers to obtain
maupun informasi polis secara real-time. Dengan fokus pada real-time information on policies and claims. With
pelayanan prima, inovasi digital, dan manajemen risiko yang a strong focus on service excellence, digital innovation, and
profesional, LGI terus berupaya menjadi mitra perlindungan professional risk management, LGI continues to position
yang andal di tengah dinamika kebutuhan asuransi itself as a reliable protection partner amid the evolving
masyarakat modern. Informasi lebih lengkap mengenai insurance needs of modern society. Further information on
produk dan layanan Perseroan diuraikan sebagai berikut. the Company’s products and services is listed below.
Perlindungan
Medicare HealthPlus Business
Kesehatan Prima
Asuransi HealthPlus Family Elite Health Plan Asuransi Jalan Prima
Kesehatan
Health HealthPlus Micro
Insurance
MyTravel Protection Asuransi Rekayasa /
Auto Protection
International Engineering Insurance
Asuransi Motor Protection Business Care Asuransi Property /
Property Insurance
Non-Kesehatan
Non-Health Asuransi Rangka
Asuransi Bencana
Home Care Pesawat / Aviation
Insurance Hull Insurance
Alam / Natural
Disaster Insurance
Asuransi Aneka /
Marine Cargo Asuransi Uang /
Miscellaneous
Money Insurance
Asuransi Tanggung
MyTravel Protection
Gugat / Liability
Domestic
Insurance
Bengkel Rekanan / Rumah Sakit dan Klinik Rekanan /
Partner Workshop Hospital and Clinic Provider
e-Polis / e-Policy LGI Agency Dashboard
Layanan
Services e-Benefit Health dan / and e-Benefit General
MyPro+ (Pengajuan Klaim, Status Klaim, Manfaat, dan Live Chat
Livia/Omnichat / Submission Claims, Claim Status,
Benefits, and Live Chat Livia/Omnichat)
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Profil Perusahaan
Produk Products
1. Asuransi Kesehatan 1. Health Insurance
Asuransi kesehatan dirancang untuk memberikan Health insurance is designed to provide protection
perlindungan terhadap berbagai risiko yang berkaitan against various health-related risks, for both individuals
dengan kesehatan, baik untuk perorangan maupun and corporate clients (employee benefits). Through this
perusahaan (employee benefits). Melalui perlindungan protection, LGI helps mitigate the financial burden arising
ini, LGI membantu mengurangi beban finansial akibat from medical expenses while supporting employee
biaya pengobatan, sekaligus mendukung kesejahteraan well-being and overall customer productivity.
karyawan dan produktivitas nasabah secara keseluruhan. The Company’s health insurance products are described
Produk-produk kesehatan Perseroan diuraikan sebagai as follows.
berikut.
Jaminan kesehatan yang diperuntukkan bagi perusahaan dalam rangka memberikan
pelindungan bagi karyawan maupun tanggungannya. Program ini dapat memberikan rasa
Medicare aman bagi karyawan dan keluarganya sehingga mampu meningkatkan nilai perusahaan
bagi karyawan.
Jaminan Kesehatan Karyawan Perusahaan
Health insurance that is designed specifically for companies to provide health protection to
Medicare
employees and their dependents. This program will ultimately create a sense of comfort and
security for employees and their family members thus increasing the company’s value in
the eyes of its employees.
HealthPlus Family adalah solusi perlindungan kesehatan bagi individu dan keluarga, dengan akses
layanan di lebih dari 1.000 rumah sakit dan klinik di seluruh Indonesia. Dengan sistem cashless
HealthPlus+
Family yang dapat diproses secara non-tunai melalui jaringan provider HealthPlus Family.
Jaminan Kesehatan Pribadi & Keluarga
Untuk memberikan kenyamanan lebih, LGI menghadirkan eBenefit Health, aplikasi berbasis iOS
dan Android yang memudahkan nasabah dalam membuat janji temu dengan dokter, mencari
HealthPlus Family rumah sakit atau klinik terdekat, serta mengajukan klaim reimbursement secara online. Layanan ini
didukung oleh chat online dan contact center 24 jam, memastikan nasabah selalu mendapatkan
dukungan medis kapan pun diperlukan.
HealthPlus Family is a health protection solution for individuals and families, with access to
services in more than 1,000 hospitals and clinics throughout Indonesia and a cashless system
that can be processed through HealthPlus Family provider network.
To provide more convenience, LGI presents eBenefit Health, an iOS and Android-based application
designed to facilitate customers in making appointments with doctors, finding the nearest hospital
or clinic, and making online reimbursement claims. The service is supported by an online chat
and a 24-hour contact centre to ensure that customers have access to medical support whenever
required.
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Company Profile
Bagi perusahaan dengan skala kecil hingga menengah, HealthPlus Micro menghadirkan solusi
HealthPlus+ perlindungan kesehatan bagi karyawan dengan akses ke lebih dari 1.000 rumah sakit dan klinik di
Micro seluruh Indonesia. Produk ini menawarkan rawat inap dan rawat jalan secara cashless, termasuk
manfaat perawatan cuci darah, kemoterapi, serta terdapat perawatan gigi dasar di dalam manfaat
Jaminan Kesehatan Karyawan
Perusahaan Micro
rawat jalannya.
HealthPlus Micro
Sebagai nilai tambah bagi client, Perseroan menghadirkan fitur profit sharing bagi client yang
memperpanjang polis pada periode berikutnya, selama memenuhi ketentuan yang berlaku.
Dengan contact center 24 jam, layanan diberikan secara optimal sehingga memberikan rasa
aman bagi client maupun karyawannya.
For small to medium-sized companies, HealthPlus Micro provides health protection solutions for
employees offering access to more than 1,000 hospitals and clinics throughout Indonesia. This
product offers a cashless inpatient and outpatient service, covering dialysis, chemotherapy, and
basic dental care.
As an added value for clients, the Company offers a profit-sharing feature for clients
who extend their policies in the following period, as long as they meet the applicable
requirements. Optimal services are provided through a 24-hour contact centre, providing
a sense of security for clients and employees.
Bagi perusahaan dengan skala kecil hingga menengah yang membutuhkan solusi perlindungan
HealthPlus+ kesehatan secara komprehensif mencakup manfaat rawat inap, rawat jalan, dan perawatan
Business gigi, dengan sistem cashless di lebih dari 1.000 rumah sakit dan klinik di Indonesia. Produk ini
Jaminan Kesehatan Seluruh Karyawan Anda juga memberikan solusi perlindungan kesehatan dengan cakupan perlindungan global melalui
fasilitas reimbursement untuk perawatan di luar negeri dan di luar jaringan provider HealthPlus
HealthPlus Business. Produk ini juga menawarkan fitur profit sharing bagi perusahaan yang memperpanjang
Business perlindungan asuransi ke periode berikutnya, menjadikannya solusi yang tidak hanya melindungi
kesehatan karyawan, tetapi juga memberikan manfaat finansial bagi bisnis client.
This product is for small to medium-sized companies that need comprehensive health protection
solutions including inpatient, outpatient, and dental care benefits, with a cashless system in more
than 1,000 hospitals and clinics in Indonesia. It also provides a global healthcare solution through
reimbursement for overseas treatment and treatment outside HealthPlus Business provider
network. This product also offers a profit-sharing feature for companies that extend insurance
coverage to the next period, making it a solution that not only protects employee health, but also
provides financial benefits for the client’s business.
Elite Health Plan
LGI menghadirkan Elite Health Plan, sebuah produk Private Medical Insurance berkualitas tinggi yang memberikan perlindungan
internasional bagi warga negara maupun ekspatriat yang tinggal di Indonesia. Produk ini dirancang untuk memberikan
ketenangan pikiran bagi nasabah dengan akses layanan medis terbaik di seluruh dunia. Selain itu, fitur perencanaan kesehatan
yang andal memastikan setiap nasabah mendapatkan perlindungan yang komprehensif, di mana pun mereka berada.
LGI presents Elite Health Plan, a high-quality Private Medical Insurance product providing international coverage for citizens and
expatriates living in Indonesia. This product is designed to give customers peace of mind with access to the best medical services
worldwide. On top of that, its reliable health planning feature ensures that every customer receives comprehensive coverage,
wherever they are.
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Profil Perusahaan
Perlindungan Kesehatan Prima memberikan jaminan kesehatan bagi individu dan keluarga
dengan manfaat rawat inap dan rawat jalan menggunakan skema inner limit. Sebagai tambahan,
Prima nasabah dapat memanfaatkan Saldo Prima, yang dapat digunakan untuk membeli obat-obatan
dan/atau vitamin tanpa resep dari dokter, masker, hingga hand sanitizer. Dengan sistem cashless
Perlindungan Kesehatan
yang berlaku di lebih dari 1.000 rumah sakit dan klinik, serta dukungan contact center 24 jam, LGI
Perlindungan menghadirkan perlindungan kesehatan yang mudah, cepat, dan terpercaya.
Kesehatan Prima
Perlindungan Kesehatan Prima provides health insurance for individuals and families with
inpatient and outpatient benefits using an inner limit scheme. In addition, customers can
take advantage of Saldo Prima, which can be used to purchase non-prescription medicines
and/or vitamins, masks, up to hand sanitizers. With a cashless system that is available in more
than 1,000 hospitals and clinics, as well as the support of a 24-hour contact center, LGI provides
health protection that is effortless, fast, and reliable.
Asuransi Jalan Prima
Bagi yang mencari perlindungan kesehatan yang berfokus pada rawat jalan, Asuransi Jalan Prima adalah solusi terbaik. Produk
ini memberikan manfaat rawat jalan di klinik-klinik rekanan yang tersebar di seluruh Indonesia, tanpa perlu membeli manfaat
rawat inap. Proses klaim dilakukan dengan sistem cashless, sementara laporan perhitungan klaim dikirimkan langsung melalui
email. Produk ini dapat digunakan di provider eksklusif yang menjadi rekanan Asuransi Jalan Prima sehingga memberikan akses
layanan kesehatan yang cepat dan mudah bagi setiap nasabah.
For those who are looking for health protection that focuses on outpatient care, Asuransi Jalan Prima is the best solution. This
product provides outpatient benefits at partner clinics throughout Indonesia, without the need to purchase inpatient benefits.
The claim process is carried out with a cashless system, while the claim calculation report is sent directly via email. This product
is available at exclusive providers that are partners of Asuransi Jalan Prima, providing quick and convenient access to healthcare
services for every customer.
2. Asuransi Non-Kesehatan 2. Non-Health Insurance
Asuransi non-kesehatan dirancang untuk memberikan Non-health insurance is designed to provide protection
perlindungan terhadap berbagai risiko yang berkaitan against a wide range of risks related to customers’
dengan kepemilikan pribadi nasabah, seperti kendaraan personal and business assets, such as motor vehicles,
bermotor, barang elektronik, properti, kargo/logistik, electronic equipment, property, cargo/logistics, and
dan lainnya. Melalui perlindungan ini, LGI membantu others. Through this protection, LGI helps reduce
mengurangi potensi kerugian finansial akibat kerusakan, potential financial losses resulting from damage, loss, or
kehilangan, atau risiko lainnya, sekaligus memberikan other risks, while providing a sense of security and peace
rasa aman dan ketenangan dalam menjalani aktivitas of mind in carrying out daily activities and business
sehari-hari maupun operasional bisnis. Informasi operations. Information on the Company’s non-health
mengenai produk asuransi non-kesehatan Perseroan insurance products is described as follows.
diuraikan sebagai berikut.
Jaminan pelindungan terhadap kendaraan bermotor roda 4 atau lebih dengan bentuk jaminan
Auto dasar yang diberikan, meliputi total loss only atau comprehensive. Auto Protection menjamin
Protection keaslian suku cadang dan garansi kualitas perbaikan melalui bengkel rekanan yang tersebar
Perlindungan Kendaraan Mobil
di berbagai daerah.
Protection insurance for 4 wheel or more motor vehicles with basic insurance coverages, including
Auto Protection
total loss only or comprehensive. Auto Protection guarantees the authenticity of spare parts and
the quality of repairs through partner workshops located across various regions.
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Company Profile
Jaminan pelindungan terhadap kendaraan bermotor roda 2 dengan memberikan pelindungan
Motor atas risiko kehilangan, kerusakan total, maupun kecelakaan pada saat berkendara. Produk ini
Protection memberikan jaminan dasar total loss only hingga perluasan jaminan atas risiko risiko kerusuhan,
Perlindungan Kendaraan & Pengendara
pemogokan, huru-hara, terorisme, sabotase, hingga bencana alam terhadap kendaraan bermotor
yang dipertanggungkan.
Motor Protection Insurance protection for 2-wheel motor vehicles by providing protection against the risk of loss,
total damage, or accidents while driving. This product provides basic total loss only insurance to
extended coverage for the risks of riots, strikes, civil commotions, terrorism, sabotage, and natural
disasters for the insured motor vehicle.
Jaminan pelindungan terhadap rumah tinggal yang tersedia dalam 3 paket pilihan sesuai dengan
kebutuhan. Manfaat yang diberikan dari produk ini berupa pelindungan menyeluruh untuk rumah
Home tinggal, apartemen beserta dengan isinya dari risiko kebakaran, ledakan, petir, kejatuhan pesawat
Care
Perlindungan Aset Tempat Tinggal
terbang, asap, kerusuhan, pemogokan, huru-hara, topan, badai, kerusakan karena air, tanah
longsor, pembongkaran, dan accidental damage, termasuk pelindungan asuransi bagi penghuni
Home Care dan penggantian biaya pengobatan karena sebab yang dijamin.
Homeowners insurance protection available in 3 package options that can be adjusted to
the customers’ needs. Benefit provided by this product is in form of comprehensive protection
for homes, fully furnished apartments from the risk of fire, explosion, lightning, damage caused
by aircrafts, smoke, riots, strikes, civil commotions, typhoons, hurricanes, water damages,
landslides, demolition, and accidental damages, including insurance protection for residents and
reimbursement of medical expenses for residents due to covered perils.
Jaminan pelindungan terhadap kerugian dan kerusakan barang yang mungkin terjadi selama
proses distribusi, baik melalui laut, darat, atau udara. Produk ini memberikan pelindungan atas
Marine
Cargo risiko peril of the sea, yaitu risiko-risiko yang berkaitan dengan kondisi alam, seperti cuaca buruk,
Asuransi Pengangkutan badai, dan lain-lain; risiko peril on the sea, yaitu risiko-risiko yang berkaitan dengan kejadian yang
berpotensi terjadi saat perjalanan laut, seperti alat angkut kandas, karam, tenggelam, tabrakan,
Marine Cargo dan lain-lain; serta risiko extraneous risk, yaitu risiko-risiko yang tidak termasuk dalam kedua
kategori sebelumnya, seperti pencurian, pembongkaran, dan lain-lain.
Insurance protection against loss or damage to goods that may occur during the shipment
process by sea, land, and air. This product provides protection against peril of the sea risks, that is
risks related to natural conditions, such as bad weather, storms, and others; peril on the sea risks,
that is risks related to events that potentially to occur during sea travels, such as conveyances
running aground, sinking ship, collisions, and others; and extraneous risks, that is risks that are
not, included in the previous two categories, such as theft, demolition, and others.
Jaminan pelindungan yang diperuntukkan bagi individu dan keluarga yang sedang dalam
MyTravel perjalanan domestik. Produk ini memberikan pelindungan bagi nasabah selama 24 jam dari risiko
Protection kecelakaan dan ketidaknyamanan perjalanan di wilayah Indonesia, seperti kehilangan bagasi,
Domestic
Perlindungan Perjalanan Nasional penundaan jadwal penerbangan, dan lainnya.
Insurance protection designed for individuals and their family members on domestic travel.
MyTravel This product provides 24-hours protection to the customer against risks of accidents and
Protection inconveniences of traveling in Indonesia, such as lost luggage, flight delays, and others.
Domestic
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Profil Perusahaan
Jaminan pelindungan yang diperuntukkan bagi individu dan keluarga yang sedang
MyTravel dalam perjalanan internasional. Produk ini memberikan jaminan biaya pengobatan tanpa
Protection pembayaran tunai (cashless). Produk ini memberikan pelindungan bagi nasabah dari risiko
International kecelakaan dan ketidaknyamanan untuk perjalanan di luar negeri, seperti kehilangan bagasi,
Perlindungan Perjalanan Internasional
penundaan jadwal penerbangan, dan lainnya.
MyTravel Insurance protection designed for individuals and their family members on international
Protection travel. This product guarantees cashless medical expenses. This product provides protection
for customers from the risk of accidents and inconveniences for traveling abroad, such as
International lost baggage, flight delays, and others.
Jaminan pelindungan terhadap seluruh jenis usaha yang tersedia dalam 3 paket pilihan, dapat
melindungi kegiatan usaha nasabah tetap stabil dan terhindar dari hal-hal yang tidak terduga atau
Business di luar dugaan. Jaminan yang diberikan mulai dari kebakaran, ledakan petir, kejatuhan pesawat
Care terbang, asap, kerusuhan, pemogokan, huru-hara, kehilangan uang di kasir, barang-barang
pribadi milik karyawan, hingga kehilangan penghasilan sementara saat terjadinya kerugian.
Perlindungan Aset Bangunan Bisnis
Produk ini juga menyediakan perluasan jaminan yang memberikan pelindungan usaha dari
Business Care bencana alam.
Insurance protection for all business types, which is available in 3 package options, able
to protect customers’ business activities to remain stable and avoid unexpected events.
The coverage includes protection against fire, lightning strikes, aircraft impact, smoke, riots, strikes,
civil commotion, loss of cash at the cashier, employees’ personal belongings, up to temporary loss
of income during periods of loss. This product also provides extended coverage that provide
business protection from natural disasters.
Asuransi Rangka Pesawat
Aviation Hull Insurance
Jaminan pelindungan terhadap kerusakan fisik atau kerugian atas rangka pesawat serta suku cadang dan perlengkapan lainnya,
pesawat pihak ketiga, barang yang diangkut, penumpang, serta cedera badan pihak ketiga.
Guarantee of protection against physical damage or loss of the aircraft frame and other spare parts and equipment, third party
aircraft, transported goods, passengers, and third party bodily injury.
Produk asuransi yang memberikan beragam manfaat, meliputi:
a. Asuransi konstruksi/pemasangan (contractor/erection all risk);
Asuransi b. Asuransi kerusakan mesin (machinery breakdown);
Aneka c. Asuransi kebongkaran;
Aneka Jaminan untuk Anda
d. Asuransi tanggung gugat hukum (liability insurance);
e. Asuransi uang (cash in save, cash in transit, cash in cashier);
Asuransi Aneka f. Asuransi alat berat (contractor’s plant and machinery/heavy equipment);
Miscellaneous g. Asuransi hole in one (golf); dan
h. Asuransi pembangunan kapal (ship builder risk).
Insurance product that provides benefits for various needs, including the following:
a. Contractor/erection all risk insurance;
b. Engine damage insurance (machinery breakdown);
c. Demolition insurance;
d. Legal liability insurance (liability insurance);
e. Money insurance (cash in save, cash in transit, and cash in cashier);
f. Heavy equipment insurance (contractor’s plant and machinery/heavy equipment);
g. Hole-in-one (golf) insurance; and
h. Shipbuilder’s risk insurance.
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Company Profile
Layanan
Services
Bengkel Rekanan e-Polis Provider
Partner Workshop e-Policy Provider
Layanan asuransi kendaraan bermotor Layanan asuransi berupa penyediaan polis Layanan asuransi kesehatan yang dapat
dengan kemudahan akses, pelayanan, dan digital, yaitu fasilitas bagi nasabah dapat dilakukan pada rumah sakit, klinik, optik,
fasilitas terbaik. mengakses polis, memantau status klaim, rumah bersalin, dan laboratorium rekanan.
Motor vehicle insurance services with easy dan mengajukan perpanjangan polis Health insurance services that are available
access, best services, and facilities. secara digital. at partner hospitals, clinics, opticians,
Insurance services in the form of providing maternity homes, and laboratories.
digital policies, i.e. facilities for customers
to digitally access policies, monitor claim
status, and apply for a policy extension.
eBenefit Health App
Aplikasi ini digunakan bagi nasabah asuransi kesehatan untuk memudahkan dalam melihat status kepesertaan, e-card, total klaim yang dibayarkan,
status proses pengajuan klaim, buku panduan, daftar rumah sakit dan klinik rekanan, prosedur pengajuan klaim, membuat janji bertemu dengan
dokter (doctor appointment), layanan online doctor (LGI Telemed dan Good Doctor), serta LGI Fit. Untuk memudahkan layanan komunikasi dengan
pemegang polis, selain tersambung dengan layanan contact center, aplikasi ini juga telah dilengkapi dengan layanan chatting secara robotik dan
berbasiskan pada machine learning dengan nama “Livia” chatbot. Layanan aplikasi ini bisa diakses melalui aplikasi berbasiskan iOS maupun Android.
This application is used for health insurance customers for easy viewing of membership status, e-card, total claims paid, claim submission process
status, guidebook, list of partner hospitals and clinics, claim submission procedures, making doctor appointments, online services doctor (LGI Telemed
and Good Doctor), and LGI Fit. To facilitate communication services with policy holders, apart from being connected to contact center services, this
application is also equipped with a robotic chat service based on machine learning with the name “Livia” chatbot. This application service can be
accessed via iOS and Android based applications.
eBenefit General App
Aplikasi ini digunakan bagi nasabah asuransi umum untuk memudahkan dalam hal administrasi polis produk asuransi umum (general) yang dimiliki,
status pengajuan klaim, total klaim yang dibayarkan, daftar bengkel rekanan, dan prosedur dalam pengajuan klaim. Seperti halnya di eBenefit Health,
aplikasi ini memudahkan layanan komunikasi dengan pemegang polis, selain tersambung dengan layanan contact center, aplikasi ini juga sedang
dikembangkan untuk dapat berkomunikasi dengan layanan chatting secara robotik dan berbasiskan pada machine learning. Layanan aplikasi ini bisa
diakses melalui aplikasi berbasiskan iOS dan Android.
This application is used for general insurance customers to facilitate the administration of their general insurance product policies, claim submission
status, total claims paid, list of partner workshops, and claim submission procedures. As with eBenefit Health, this application makes communication
services with policy holders easier, apart from connecting with contact centre services, this application is also being developed to be able to
communicate with chat services robotically and based on machine learning. This application service can be accessed via iOS and Android based
applications.
MyPro+ LGI Agency Dashboard
Layanan aplikasi dan situs web yang memberikan kemudahan bagi Layanan aplikasi yang didesain secara eksklusif untuk agen Perseroan
nasabah untuk memilih pelindungan asuransi yang menyeluruh yang dibuat dengan tujuan memberikan kemudahan bagi agen dalam
sesuai dengan kebutuhan. berinteraksi dengan Perseroan. Melalui LGI Agency Dashboard, agen
Application and website services that provide convenience for dapat memeriksa data produksi mereka secara real-time, melakukan
customers to choose comprehensive insurance coverage according pembayaran premi, melakukan proses renewal, membeli produk,
to their needs. mengunduh softcopy dokumen polis, dan lainnya.
An application designed exclusively for the Company’s agents,
created with the purpose of providing convenience for agents in
interacting with the Company. Through LGI Agency Dashboard,
agents can check their production data in real-time, make premium
payments, conduct renewal processes, purchase products, download
softcopy of policy documents, and others.
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Profil Perusahaan
Struktur Organisasi
Organizational Structure
GCG
Committee
Medical Advisory Board
Risk Oversight
Committee
Medical Committee
Investment Committee
Product Development Committee
Information Technology Steering Committee
AML - CFT & CPF
Finance &
Operation Strategy
Administration
Chief of Accounting
Business Risk Digital
Finance Health Partners Business Strategy
Management Business
and Analytic Management
General Services
Operations
Accounting New Information System
Central Customer
Business & Technology
Facilities & Processing Service
Procurement
Support
Actuary Business
Claim
Analyst
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Company Profile
Board of Commissioners
Audit
Committee
Consumer and Public Protection Unit
Remuneration &
Nomination Committee
Board of Directors Personal Data Protection Unit
Corporate Social Responsibility Unit
President Director
Financial Literacy and Inclusion Unit
Vice President Director
Asset & Liability Management Unit
Internal Audit Unit Sustainable Financial Action Unit
Anti-Fraud Unit
Risk Management Committee
Commercial Compliance
Chief of Chief of Chief of P&C Chief of Compliance
Korea Desk Health Business Business
Corporate Marketing Enterprise Risk People
Corporate Secretary
Relation Branches Communication Management Development
Account Legal
Development Agency
Financial
Institution
Business
Unit Informasi nama pejabat pada Struktur Organisasi
disampaikan pada uraian profil dan informasi
Personel Kunci berikut.
Officer names information in the Organizational
Structure is presented in the description of Key
Personnel profile and information as follows.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 79
Page 82
Profil Perusahaan
Profil Dewan Komisaris
Profile of the Board of Commissioners
Park Young Mock1)
Presiden Komisaris
President Commissioner
Warga Negara Korea Selatan, 56 tahun, berdomisili di Korea Selatan.
Diangkat sebagai Presiden Komisaris berdasarkan Keputusan RUPS Luar
Biasa pada tanggal 12 Desember 2025 sebagaimana dinyatakan dalam
Akta No. 36 tertanggal 15 Desember 2025 dan efektif menjabat setelah
Lulus Penilaian Kemampuan dan Kepatutan oleh Otoritas Jasa Keuangan.
Beliau lulus dari Pusan National University, Korea Selatan dengan gelar
Bachelor of Law pada tahun 1995.
South Korean citizen, 56 years old, domiciled in South Korea.
He was appointed as President Commissioner pursuant to the resolution
of the Extraordinary GMS dated December 12th, 2025, as stated in
the Deed No. 36 dated December 15th, 2025, and has been effectively
serving after passing the Fit and Proper Test conducted by Financial
Services Authority. He graduated from Pusan National University, South
Korea, with a Bachelor of Laws degree in 1995.
Beliau mengikuti The KAIST AI Insight Leader Program dari KAIST, He participated in The KAIST AI Insight Leader Program at
Korea Selatan pada tahun 2024 dan pelatihan Risk Management KAIST, South Korea, in 2024 and attended a Risk Management
yang diselenggarakan oleh LSP AAUI pada tahun 2025. training program organized by Indonesian General Insurance
Beliau memiliki sertifikasi di bidang Manajemen Risiko dengan Association (AAUI) through its Professional Certification Institute
gelar Risk Management Governance Certification (RMGC) (LSP) in 2025. He also holds a certification in Risk Management
di tahun 2025. under the Risk Management Governance Certification (RMGC)
obtained in 2025.
Beliau memperoleh sejumlah penghargaan, antara lain Certified He has received several awards, including a Certified Claims
Claims Adjuster pada tahun 2002 dari Financial Supervisory Adjuster in 2002 from the Financial Supervisory Service of
Service Korea dan Award Certificate pada tahun 2021 dari Korea and an Award Certificate in 2021 from the Korea Insurance
Korea Insurance Development Institute atas kontribusinya Development Institute for his contribution to advancing
memajukan industri asuransi di Korea Selatan. the insurance industry in South Korea.
Beliau memulai karier di Hanwha General Insurance Co. Ltd. He began his career at Hanwha General Insurance Co., Ltd.
sejak tahun 1994 dengan berbagai pos isi dimulai sebagai Staff in 1994 and has held various positions, starting as Staff of
Personal Lines Busan Branch (1994 - 1998), Sales Manager Personal Lines at the Busan Branch (1994 - 1998), Sales
Personal Lines Busan Branch (1999 - 2004), Staff Commercial Manager of Personal Lines at the Busan Branch (1999 - 2004),
Lines Claims Part (2005 - 2013), Part Leader Commercial Lines Staff of Commercial Lines Claims Part (2005-2013), Part Leader
Claims (2013-2019), dan Part Leader Commercial Lines Product & of Commercial Lines Claims (2013 - 2019), and Part Leader of
Planning (2020 - 2021). Saat ini beliau memiliki rangkap jabatan Commercial Lines Product & Planning (2020 - 2021). Currently,
sebagai Team Leader Commercial Lines Team (U/W, Claims, he also serves as Team Leader of Commercial Lines Team
Product Development) sejak tahun 2021. (Underwriting, Claims, and Product Development), a position
he has held since 2021.
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner since December 15th, 2025.
80 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 83
Company Profile
Roberto Fernandez Feliciano2)
Komisaris
Commissioner
Warga Negara Republik Filipina, 71 tahun, berdomisili di Jakarta Diangkat
sebagai Komisaris berdasarkan Keputusan RUPS Tahunan pada tanggal
29 April 2025 sebagaimana dinyatakan dalam Akta No. 1 tertanggal
1 September 2025 dan efektif menjabat setelah Lulus Penilaian Kemampuan
dan Kepatutan oleh Otoritas Jasa Keuangan. Lulusan Bachelor of Science
in Business Administration dari Ateneo De Manila University, Filipina (1976).
Meraih gelar Master of Business Administration (International Marketing,
Finance) dari Babson College, Massachusetts, Amerika Serikat (1980).
The Philippines citizen, 71 years old, domiciled in Jakarta He was appointed
as Commissioner based on the Annual GMS Resolution dated April 29th,
2025, as stated in the Deed No. 1 dated September 1st, 2025, and has
been effectively serving after passing the Fit and Proper Test conducted
by Financial Services Authority. He holds a Bachelor of Science in Business
Administration from Ateneo de Manila University, Philippines (1976).
He earned a Master of Business Administration in International Marketing
and Finance from Babson College, Massachusetts, USA (1980).
Beliau memulai karier di OESCO International, Manila He began his career at OESCO International, Manila (1976), and
(1976), kemudian melanjutkan sebagai Project Assistant di subsequently served as a Project Assistant at M. Krugger Ltd.,
M. Krugger Ltd., Denmark (1977 - 1978). Bergabung di Denmark (1977 - 1978). He later joined Manufacturers Hanover
Manufacturers Hanover Trust Bank di New York USA, menduduki Trust Bank in New York, USA, where he held various positions
berbagai posisi di Divisi Internasional, termasuk Vice President in the International Division, including Vice President and
Country Desk Officer untuk Asia Tenggara dan Australia, Head Country Desk Officer for Southeast Asia and Australia, Head of
of Multinational Division di Singapura, serta Country Head and the Multinational Division in Singapore, and Country Head and
Representative di Bangkok, Thailand (1980 - 1991). Representative in Bangkok, Thailand (1980 - 1991).
Sejak 1991, beliau bergabung dengan Lippo Group sebagai Since 1991, he has been affiliated with the Lippo Group,
Associate Director di PT Lippo Securities Tbk dan kemudian initially serving as Associate Director at PT Lippo Securities
menduduki berbagai posisi senior, antara lain Komisaris PT Lippo Tbk and subsequently holding various senior positions,
General Insurance Tbk, Direktur di PT Lippo Pacific Finance, including Commissioner of PT Lippo General Insurance
PT Link Net Tbk, PT Lippo Karawaci Tbk, dan PT Multipolar Tbk, Director of PT Lippo Pacific Finance, PT Link Net Tbk,
Corporation Tbk. Saat ini, beliau menjabat sebagai Advisor PT Lippo Karawaci Tbk, and PT Multipolar Corporation Tbk.
PT Lippo Karawaci Tbk dan anggota Komite Audit PT Star He currently serves as an Advisor to PT Lippo Karawaci Tbk and
Pacific Tbk. a member of the Audit Committee of PT Star Pacific Tbk.
2)
Efektif menjabat sebagai Komisaris Perseroan sejak tanggal 1 September 2025. / Effectively serving as the Company’s Commissioner since September 1st, 2025.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 81
Page 84
Profil Perusahaan
Hyacintus Henri Djantoko
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia, 71 tahun, berdomisili di Tangerang. Diangkat
pertama kali sebagai Komisaris Independen berdasarkan Keputusan RUPS
Tahunan yang dilaksanakan pada tanggal 28 Juni 2023 sebagaimana
dinyatakan dalam Akta No. 20 tanggal 4 April 2024 dan efektif menjabat
setelah Lulus Penilaian Kemampuan dan Kepatutan oleh Otoritas Jasa
Keuangan. Beliau lulusan Sekolah Tinggi Perkebunan (Agriculture
University) di Yogyakarta. Beliau telah mengikuti Program Sertifikasi Ahli
Pialang Asuransi dan Reasuransi Indonesia (APAI) dan Sertifikasi Ahli
Pialang Asuransi dan Reasuransi Indonesia (APARI) di tahun 2018 dan
beliau memiliki sertifikasi sebagai Qualified Risk Governance Professional
(QRGP).
Indonesian Citizen, 71 years old, domiciled in Tangerang. Appointed for
the first time as Independent Commissioner based on the Annual GMS
Resolution dated June 28th, 2023, as stated in the Deed No. 20 dated
April 4th, 2024, and has been effectively serving after passing the Fit and
Proper Test conducted by Financial Services Authority. He is a graduate of
Agricultural University in Yogyakarta. He has taken part in the Indonesian
Insurance and Reinsurance Broker Expert Certification Program (APAI) and
Indonesian Insurance and Reinsurance Broker Expert Certification (APARI)
in 2018 and he is certified as a Qualified Risk Governance Professional
(QRGP).
Memulai karier di PT Asuransi Lippo Life dengan berbagai posisi, Started his career at PT Asuransi Lippo Life with various positions,
seperti Assistant Sales and Marketing (1984 - 1988), Head of Group such as Assistant Sales and Marketing (1984 - 1988), Head of
Insurance Product (1989 - 1993), Associate Director Head of DPLK Group Insurance Product (1989 - 1993), Associate Director Head
and Corporate Product (1994 - 2005). Selain itu, beliau juga of DPLK and Corporate Product (1994 - 2005). Furthermore,
pernah menjabat sebagai Ketua Umum Asosiasi Dana Pensiun he also served as General Chair of the Association of Financial
Lembaga Keuangan (2002 - 2006). Kemudian, beliau menjabat Institution Pension Funds (2002 - 2006). Then, he served
sebagai Senior Associate Director Bank & Corporate Client as Senior Associate Director of Bank & Corporate Client of
PT Asuransi Jiwa AIG Life (2006 - 2009), Direktur Employee PT Asuransi Jiwa AIG Life (2006 - 2009), Director of Employee
Benefits PT Aon Indonesia (2009 - 2022), dan Presiden Benefits of PT Aon Indonesia (2009 - 2022), and President
Komisaris PT Aon Reinsurance Broker Indonesia (2016 - 2023). Commissioner of PT Aon Reinsurance Broker Indonesia
(2016 - 2023).
Beliau aktif mengikuti berbagai seminar dan pelatihan baik He actively participates in various seminars and trainings both in
di Indonesia maupun luar negeri, serta sebagai pembicara dalam Indonesia and abroad, as well as a speaker in seminars related
seminar-seminar yang berkaitan dengan asuransi kesehatan dan to health insurance and pension programs. He is also experienced
program pensiun. Beliau juga berpengalaman dalam bidang in the field of life insurance, especially employee benefit
asuransi jiwa khususnya program employee benefit, asuransi jiwa programs, credit life insurance, and pension fund programs.
kredit, dan program dana pensiun.
Selain menjabat sebagai Komisaris Independen Perseroan, Apart from serving as Independent Commissioner of
saat ini beliau juga menjabat sebagai Komisaris Utama di the Company, he currently also serves as President
PT Orion Penjaminan Indonesia dan Ketua Komite Audit Commissioner of PT Orion Penjaminan Indonesia and Chairman
Perseroan. of the Company’s Audit Committee.
82 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 85
Company Profile
Sapto Wahyu Indratno3)
Komisaris Independen
Independent Commissioner
Warga Negara Indonesia, 50 tahun, berdomisili di Bandung. Diangkat
pertama kali sebagai Komisaris Independen berdasarkan Keputusan
RUPS Luar Biasa pada tanggal 12 Desember 2025 sebagaimana
dinyatakan dalam Akta No. 36 tertanggal 15 Desember 2025 dan efektif
menjabat setelah Lulus Penilaian Kemampuan dan Kepatutan oleh
Otoritas Jasa Keuangan.
Indonesian citizen, 50 years old, domiciled in Bandung. He was initially
appointed as Independent Commissioner pursuant to the Resolution of
the Extraordinary GMS held on December 12th, 2025, as stated in the Deed
No. 36 dated December 15th, 2025 and has been effectively serving after
passing the Fit and Proper Test conducted by Financial Services Authority.
Beliau merupakan lulusan dari Institut Teknologi Bandung He graduated from Institut Teknologi Bandung with a Bachelor
dengan gelar Sarjana Sains pada tahun 1998, University of of Science degree in 1998, from University of Twente,
Twente, Belanda dengan gelar Master of Science in Engineering the Netherlands, with a Master of Science in Engineering
Mathematics pada tahun 2001, dan Kansas State University, Mathematics in 2001, and from Kansas State University, United
Amerika Serikat dengan gelar Ph.D di bidang Matematika pada States, with a Ph.D. in Mathematics in 2011. He holds a Risk
tahun 2011. Beliau memiliki sertifikasi Risk Management dari Management certification from AAMAI with certified AMRP.
AAMAI dengan gelar AMRP. Di tahun 2022, beliau menerima In 2022, he received the Satyalancana Karya Satya 20 Years
penghargaan Satyalancana Karya Satya 20 tahun yang diberikan award from the President of the Republic of Indonesia.
oleh Presiden Republik Indonesia.
Sebelum menjabat sebagai Komisaris Independen Perseroan, Prior to serving as the Company’s Independent Commissioner,
beliau memiliki pengalaman lebih dari 23 tahun di dunia he accumulated more than 23 years of experience in
pendidikan. Beliau memulai karier sejak tahun 2002 sebagai the education sector. He began his career in 2002 as a lecturer
Dosen di Institut Teknologi Bandung. Kemudian beliau juga at Institut Teknologi Bandung. He later held several strategic
menjabat di beberapa posisi strategis di Institut Teknologi positions at the institution, including Head of the Master’s
Bandung antara lain sebagai Ketua Program Studi Magister Program in Mathematics Education (2016 - 2017), Head of
Pengajaran Matematika (2016 - 2017), Ketua Program Studi the Master’s Program in Actuarial Science (2018 - 2020), Head of
Magister Aktuaria (2018 - 2020), Ketua Kelompok Statistika the Statistics Research Group (2018 - 2023), Head of Academic
(2018 - 2023), Kepala Bidang Akademik dan Kemahasiswaan and Student Affairs (2022 - 2024), and Associate Futures Advisor
(2022 - 2024), dan Wakil Penasihat Berjangka (WPA) Badan at the Commodity Futures Trading Regulatory Agency under
Pengawas Perdagangan Berjangka Komoditi di bawah the Ministry of Trade. Currently, he also serves as Head of
Kementerian Perdagangan. Saat ini beliau memiliki rangkap the Data Analytics and Reporting Division at the Strategic
jabatan sebagai Kepala Divisi Analitika Data dan Pelaporan Planning and Risk Management Agency of Institut Teknologi
Badan Perencanaan Strategis dan Manajemen Risiko di Institut Bandung since 2025.
Teknologi Bandung sejak 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner since December 15th, 2025.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 83
Page 86
Profil Perusahaan
Kim Dong Wook4)
Presiden Komisaris
President Commissioner
Warga Negara Korea Selatan, 58 tahun, berdomisili di Korea Selatan.
Diangkat sebagai Presiden Komisaris berdasarkan Keputusan RUPS
Tahunan pada tanggal 28 Juni 2023 sebagaimana dinyatakan dalam Akta
No. 4 tanggal 10 Juli 2023 dan efektif menjabat setelah Lulus Penilaian
Kemampuan dan Kepatutan oleh Otoritas Jasa Keuangan, sebagaimana
ditegaskan dalam Akta No. 9 tanggal 26 Februari 2024. Beliau merupakan
lulusan dari Hankuk University of Foreign Studies jurusan Jurnalisme
dan Penyiaran pada tahun 1993, kemudian lulus pendidikan Magister
jurusan Commerce di Waseda University pada tahun 1996. Beliau memiliki
sertifikasi sebagai Qualified Risk Governance Professional (QRGP).
South Korean citizen, 58 years old, domiciled in South Korea. Appointed
as President Commissioner based on the Annual GMS Resolution dated
June 28th, 2023, as stated in Deed No. 4 dated July 10th, 2023, and
effectively serving after passing the Fit and Proper Test by Financial
Services Authority, as stipulated in Deed No. 9 dated February 26th,
2024. He graduated from Hankuk University of Foreign Studies majoring
in Journalism and Broadcasting in 1993, then graduated with a Master’s
degree in Commerce from Waseda University in 1996. He has certification
as a Qualified Risk Governance Professional (QRGP).
Bergabung di Hanwha Group sejak tahun 1996, memulai karier He joined Hanwha Group in 1996, starting his career as Staff
sebagai Staff to Head of Global Business, E-Business Strategy to Head of Global Business, E-Business Strategy & Planning
& Planning Team and Derivative Team di Hanwha Investment Team and Derivative Team at Hanwha Investment & Securities
& Securities Co., Ltd., kemudian menjabat sebagai Director of Co., Ltd., then served as Director of Innovation Division
Innovation Division (2016 - 2020). Saat ini, beliau menjabat (2016 - 2020). Currently, he serves as Executive Vice President
sebagai Executive Vice President di Hanwha Life Insurance Co. at Hanwha Life Insurance Co. Ltd. (since January 2020) and
Ltd. (sejak Januari 2020) dan Komisaris Utama PT Hanwha Life President Commissioner of PT Hanwha Life Insurance Indonesia
Insurance Indonesia (sejak Maret 2023). (since March 2023).
4)
Efektif tidak lagi menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively no longer serving as President Commissioner since December 15th, 2025.
84 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 87
Company Profile
Ali Chendra6)
Komisaris
Commissioner
Warga Negara Indonesia, 65 tahun, berdomisili di Jakarta. Diangkat
pertama kali sebagai Presiden Komisaris berdasarkan Keputusan RUPS
Tahunan yang dilaksanakan pada tanggal 7 Agustus 2020 dan efektif
menjabat setelah Lulus Penilaian Kemampuan dan Kepatutan oleh Otoritas
Jasa Keuangan, sebagaimana ditegaskan dalam Akta No. 5 tanggal
5 Februari 2021. Beliau kemudian diangkat kembali sebagai Komisaris
berdasarkan Keputusan RUPS Tahunan yang dilaksanakan pada tanggal
28 Juni 2023, sebagaimana dinyatakan dalam Akta No. 4 tanggal
10 Juli 2023 yang kemudian ditegaskan kembali dalam Akta No. 9 tanggal
26 Februari 2024. Beliau memperoleh gelar Diploma bidang Teknologi
Komputer, Control Data Institute Toronto, Kanada pada 1979. Beliau
memiliki sertifikasi sebagai Qualified Risk Governance Professional (QRGP)
yang telah berhasil dipertahankan pada tanggal 4 Maret 2024.
Indonesian Citizen, 65 years old, domiciled in Jakarta. First
appointed as the President Commissioner based on the Resolution
of the Annual GMS organized on August 7th, 2020 and effectively serves
after passing the Fit and Proper Test by the Financial Services Authority,
as confirmed in Deed No. 5 on February 5th, 2021. He was then
reappointed as Commissioner based on the Annual GMS Resolution
held on June 28th, 2023, as stated in Deed No. 4 dated July 10th, 2023,
which was later reaffirmed in Deed No. 9 dated February 26th, 2024.
He obtained a Diploma in Computer Technology, Control Data Institute
Toronto, Canada in 1979. He holds a certification of a Qualified Risk
Governance Professional (QRGP), which was successfully maintained
on March 4th, 2024.
Sebelum menjabat sebagai Komisaris Perseroan, beliau Prior to serving as the Commissioner of the Company, he was
pernah menjabat sebagai Direktur PT Total Data (1983 - 1993), previously served as Director of PT Total Data (1983 - 1993),
Direktur PT Telplus Digitalindo dan PT Telepoint Nusantara Director of PT Telplus Digitalindo and PT Telepoint Nusantara
(1993 - 2000), Presiden Direktur PT Datakom Asia (2001 - 2004), (1993 - 2000), President Director of PT Datakom Asia
Mobile 8 dengan jabatan terakhir sebagai Komisaris (2001 - 2012), (2001 - 2004), Commissioner of Mobile 8 (2001 - 2012), President
Indovision dengan jabatan terakhir sebagai Presiden Direktur Director of Indovision (2001 - 2012), Vice Chairman of Indonesian
(2001 - 2012), Vice Chairman Asosiasi Penyelenggara Multimedia Multimedia Organizers Association (APMI) (2002 - 2006),
Indonesia (APMI) (2002 - 2006), Executive Vice President Executive Vice President of PT Global Mediacom (2006 - 2007),
PT Global Mediacom (2006 - 2007), Direktur Utama PT Infokom the President Director of PT Infokom Elektrindo (2007 - 2009),
Elektrindo (2007 - 2009), Presiden Komisaris PT Link Net Tbk the President Commissioner of PT Link Net Tbk (2013 - 2019).
(2013 - 2019). Beliau pernah berkarier di PT First Media Tbk He previously worked at PT First Media Tbk as a Director
sebagai Direktur (2013 - 2014), Presiden Direktur (2014 - 2017), (2013 - 2014), the President Director (2014 - 2017), and
dan Komisaris (2017 - 2020). Beliau juga pernah menduduki a Commissioner (2017 - 2020). He also held several positions at
beberapa jabatan di PT Multipolar Technology Tbk sebagai PT Multipolar Technology Tbk among others as the Vice President
Wakil Presiden Komisaris (2014 - 2016), dan Presiden Komisaris Commissioner (2014 - 2016), and the President Commissioner
(2017 - 2018). Selain itu, beliau juga pernah menjabat sebagai (2017 - 2018). In addition, he also served as a Commissioner of
Komisaris PT Bussan Auto Finance (2014-2018) dan Presiden PT Bussan Auto Finance (2014 - 2018) and President Commissioner
Komisaris PT Graha Teknologi Nusantara (GTN) (2016 - 2022). of PT Graha Teknologi Nusantara (GTN) (2016 - 2022).
Selain menjabat sebagai Komisaris Perseroan, saat ini beliau In addition to serving as the Commissioner of the Company,
juga menjabat sebagai Ketua Komite Kebijakan Tata Kelola currently he also serves as the Chairman of the Good
Perusahaan Perseroan (sejak 2021) dan Anggota Komite Corporate Governance Committee (since 2021) and Member of
Remunerasi dan Nominasi Perseroan (sejak 2023). the Remuneration and Nomination Committee of the Company
(since 2023).
6)
Efektif mengundurkan diri sebagai Komisaris Perseroan sejak tanggal 1 September 2025. / Effectively resigned as Commissioner of the Company as of September 1st, 2025.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 85
Page 88
Profil Perusahaan
Perubahan Komposisi Anggota Changes in the Composition of the Board
Dewan Komisaris dan Alasan of Commissioners Members and Reasons
Perubahannya for the Changes
Pada tahun 2025, terdapat perubahan terkait komposisi In 2025, there were changes in the composition of
anggota Dewan Komisaris Perseroan menjadi sebagai berikut. the Company’s Board of Commissioners as follows.
Keputusan RUPS Luar Biasa 20 Januari 2025
Resolution of the Extraordinary GMS on January 20th, 2025
Nama Jabatan Alasan Perubahan
Name Position Reason for Changes
Presiden Komisaris
Kim Dong Wook
President Commissioner
Ibu Jamilah Mawira Sungkar tidak lagi menjabat sebagai Komisaris
Komisaris Independen dan Bapak Lee Jaehyun tidak lagi menjabat sebagai
Ali Chendra
Commissioner Komisaris karena keduanya telah mengundurkan diri.
Hyacintus Henri Komisaris Independen Mrs. Jamilah Mawira Sungkar no longer serves as Independent
Djantoko Independent Commissioner Commissioner and Mr. Lee Jaehyun as Commissioner, as both
have resigned.
Komisaris Independen
Johannes Agus
Independent Commissioner
Keputusan RUPS Tahunan 29 April 2025
Resolution of the Annual GMS on April 29th, 2025
Nama Jabatan Alasan Perubahan
Name Position Reason for Changes
Presiden Komisaris Bapak Johannes Agus tidak lagi menjabat sebagai Komisaris
Kim Dong Wook
President Commissioner Independen dikarenakan telah meninggal dunia pada tanggal
23 April 2025, sedangkan Bapak Ali Chendra efektif mengundurkan
Roberto Fernandez Komisaris diri sebagai Komisaris.
Feliciano Commissioner
Mr. Johannes Agus no longer serves as Independent Commissioner
Hyacintus Henri Komisaris Independen due to his passing on April 23rd, 2025, while Mr. Ali Chendra
Djantoko Independent Commissioner effectively resigned from his position as Commissioner.
Keputusan RUPS Luar Biasa 12 Desember 2025
Resolution of the Extraordinary GMS on December 12th, 2025
Nama Jabatan Alasan Perubahan
Name Position Reason for Changes
Presiden Komisaris
Park Young Mock
President Commissioner Bapak Kim Dong Wook tidak lagi menjabat sebagai Presiden
Roberto Fernandez Komisaris Komisaris dikarenakan mengundurkan diri, sedangkan
Feliciano Commissioner Bapak Sapto Wahyu Indratno efektif menjabat sebagai Komisaris
Independen Perseroan yang baru.
Hyacintus Henri Komisaris Independen Mr. Kim Dong Wook no longer serves as President Commissioner
Djantoko Independent Commissioner due to his resignation, while Mr. Sapto Wahyu Indratno effectively
Komisaris Independen serves as the Company’s new Independent Commissioner.
Sapto Wahyu Indratno
Independent Commissioner
Komposisi Dewan Komisaris Perseroan tersebut The composition of the Company’s Board of Commissioners
telah memenuhi ketentuan dalam Peraturan OJK complies with the provisions of OJK Regulation
No. 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris No. 33/POJK.04/2014 on the Board of Directors and Board
Emiten atau Perusahaan Publik serta Peraturan OJK No. 23 of Commissioners of Issuers or Public Companies, as well as
Tahun 2023 tentang Perizinan Usaha dan Kelembagaan OJK Regulation No. 23 of 2023 on Business Licensing and
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Institutional Requirements for Insurance Companies, Sharia
Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah. Insurance Companies, Reinsurance Companies, and Sharia
Reinsurance Companies.
86 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 89
Company Profile PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 87
Page 90
Profil Perusahaan
Profil Direksi
Profile of the Board of Directors
Agus Benjamin
Presiden Direktur
President Director
Warga Negara Indonesia, 56 tahun, berdomisili di Tangerang
Selatan. Menjabat sebagai Presiden Direktur Perseroan sejak
Maret 2011 dengan pengangkatan kembali berdasarkan Keputusan RUPS
Tahunan yang termuat dalam Akta No. 4 tanggal 10 Juli 2023 yang
kemudian ditegaskan kembali dalam Akta No. 9 tanggal 26 Februari
2024. Beliau merupakan lulusan terbaik jurusan Teknik Pertambangan dari
Institut Teknologi Bandung pada 1994, Sarjana Ekonomi dari Universitas
Terbuka pada 1995, dan Magister Manajemen dari Prasetiya Mulya
Business School pada 1995 dengan predikat Cum Laude. Senior Associate
CIP The Australian and New Zealand Institute of Insurance and Finance,
Fellow of The Chartered Institute of Marketing, United Kingdom. Memiliki
kompetensi keahlian dalam bidang Asuransi Umum, Asuransi Jiwa, dan
Manajemen Risiko dari Asosiasi Ahli Manajemen Asuransi Indonesia: AAIK,
AAAIJ, ICPU, QIP, AMRP.
Indonesian Citizen, 56 years old, domiciled in South Tangerang.
He serves as the President Director of the Company since March 2011
with re-appointment pursuant to the Resolution of the Annual GMS as
stated in Deed No. 4 dated July 10th, 2023, which was later reaffirmed
in Deed No. 9 dated February 26th, 2024. He was the best graduate
majoring in Mining Engineering from Institut Teknologi Bandung in 1994,
Bachelor in Economics from Universitas Terbuka in 1995, and Master in
Management from Prasetiya Mulya Business School in 1995 with Cum
Laude predicate. Senior Associate CIP of The Australian and New Zealand
Institute of Insurance and Finance, Fellow of The Chartered Institute of
Marketing, United Kingdom. He has professional competency in General
Insurance, Life Insurance, and Risk Management from The Insurance
Expert Association of Indonesia i.e. AAIK, AAAIJ, ICPU, QIP, AMRP.
Mendapatkan penghargaan “The Most Visionary Indonesia He received “The Most Visionary Indonesian Insurance
Insurance CEO 2012” dari Business Review, “Indonesia Future CEO 2012” award from Business Review, “Indonesia Future
Transformation Leader 2013” dari SWA, “The Best CEO 2014” Transformation Leader 2013” award from SWA, “The Best CEO
dari SWA - IPSOS, “Top Insurance CEO 2017” dari Business 2014” award from SWA - IPSOS, “Top Insurance CEO 2017”
News, “Digital Services Top Leader” dari Warta Ekonomi 2018, award from Business News, “Digital Services Top Leader” from
dan “Top 100 CEO 2022” dari Majalah Infobank. Warta Ekonomi 2018, and “Top 100 CEO 2022” from Infobank
Magazine.
Beliau mempunyai pengalaman sebagai Eksekutif di PT Gajah He has extensive experience as Executive of PT Gajah Tunggal
Tunggal Prakarsa, PT Asuransi Jiwa Ekalife, dan PT Asuransi Sinar Prakarsa, PT Asuransi Jiwa Ekalife, and PT Asuransi Sinar Mas.
Mas. Pernah menjabat sebagai Presiden Komisaris PT Lippo He was the President Commissioner of PT Lippo Life Assurance,
Life Assurance, Komisaris PT Siloam International Hospital Tbk, Commissioner PT Siloam International Hospital Tbk, and
dan PT Unimaxx Comm Mitra. Selain sebagai Presiden Direktur PT Unimaxx Comm Mitra. Apart from being the President
di Perseroan, beliau juga ditunjuk sebagai Direktur Kepatuhan Director of the Company, he has also been appointed as
Perseroan sejak tahun 2020. the Company’s Compliance Director since 2020.
88 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 91
Company Profile
Choi Hyunhee
Wakil Presiden Direktur
Vice President Director
Warga Negara Korea Selatan, 52 tahun, berdomisili di Jakarta. Diangkat
sebagai Wakil Presiden Direktur Perseroan berdasarkan Keputusan RUPS
Tahunan yang dilaksanakan pada tanggal 28 Juni 2023 sebagaimana
dinyatakan dalam Akta No. 4 tanggal 10 Juli 2023 dan efektif menjabat
setelah dinyatakan Lulus Penilaian Kemampuan dan Kepatutan
oleh Otoritas Jasa Keuangan, dan masa jabatannya ditegaskan kembali
sebagaimana termuat dalam Akta No. 9 tanggal 26 Februari 2024.
Beliau lulusan Ajou University jurusan English Linguistics and Literature
(1992 - 2000). Kemudian, melanjutkan pendidikan program Master dWi
Yonsei University jurusan Business Administration (MBA) (2010 - 2013).
Beliau aktif mengikuti berbagai pelatihan dan seminar di bidang Financial
dan Insurance. Beliau pemegang sertifikasi Qualified Risk Governance
Professional (QRGP).
South Korean citizen, 52 years old, domiciled in Jakarta. Appointed as Vice
President Director of the Company based on the Resolution of the Annual
GMS which was held on June 28th, 2023 as stated in Deed No. 4 dated
July 10th, 2023 and effectively serving after being declared to have passed
the Fit and Proper Test by Financial Services Authority, and his term of
office was reaffirmed as contained in Deed No. 9 dated February 26th,
2024. He graduated from Ajou University majoring in English Linguistics
and Literature (1992 - 2000). Then, he obtained his Master’s Degree at
Yonsei University majoring in Business Administration (MBA) (2010 - 2013).
He actively participates in various training courses and seminars in the fields
of Finance and Insurance. He is a Qualified Risk Governance Professional
(QRGP) certification holder.
Beliau memulai karier di Hanwha Life Insurance Korea dengan He started his career at Hanwha Life Insurance Korea with
berbagai posisi, yaitu sebagai Associate Sales and Channel various positions, as Associate Sales and Channel Planning team,
Planning team, Database Marketing team, Data Mining team Database Marketing team, Data Mining team (2000 - 2006),
(2000 - 2006), kemudian menjabat sebagai Assistant Manager then served as Assistant Manager Strategy Planning team, Global
Strategy Planning team, Global Business team (2006-2008), dan Business team (2006 - 2008), and served as Manager Strategy
menjabat sebagai Manager Strategy Planning team, Corporate Planning team, Corporate Planning team (2008 - 2010).
Planning team (2008 - 2010).
Selain itu, beliau menjabat sebagai Manager New Financial Furthermore, he serves as Manager of New Financial Business
Business Planning di Hanwha China HQ Beijing (2010 - 2012), Planning at Hanwha China HQ Beijing (2010 - 2012), Research
Research Fellow Insurance di Hanwha Economic Research Fellow Insurance at Hanwha Economic Research Institute
Institute (2012 - 2014), Senior Manager Customer Relationship (2012 - 2014), Senior Manager Customer Relationship
Management di Hanwha Life Insurance Korea (2014 - 2015), Management at Hanwha Life Insurance Korea (2014-2015),
Head of Corporate Management & Support di Hanwha China Head of Corporate Management & Support at Hanwha China
HQ Beijing dan Shanghai (2015 - 2017), dan General Manager, HQ Beijing and Shanghai (2015 - 2017), and General Manager,
Financial Divison Global Business di Hanwha Group HQ Korea Financial Division Global Business at Hanwha Group HQ Korea
(2017 - 2018). Beliau juga pernah menduduki jabatan Head (2017 - 2018). He also held the position of Head of Global
of Global Business Management, Head of Global Talent Business Management, Head of Global Talent Development, and
Development, and Management di Hanwha Life Insurance Korea Management at Hanwha Life Insurance Korea (2019 - 2021).
(2019 - 2021).
Beliau juga menjabat sebagai Head of Global Strategy and New He also serves as Head of Global Strategy and New Business
Business Execution, Leader of Indonesian General Insurance Execution, Leader of Indonesian General Insurance at Hanwha
di Hanwha Life Insurance Korea (sejak 2021). Beliau tidak Life Insurance Korea (since 2021). He does not hold concurrent
merangkap jabatan di perusahaan lain. positions at other companies.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 89
Page 92
Profil Perusahaan
Kwon Gi Han
Direktur
Director
Warga Negara Australia, 47 tahun, berdomisili di Jakarta.
Diangkat sebagai Direktur Perseroan berdasarkan Keputusan RUPS
Tahunan yang dilaksanakan pada tanggal 28 Juni 2023 dan efektif
menjabat setelah dinyatakan Lulus Penilaian Kemampuan dan Kepatutan
oleh Otoritas Jasa Keuangan, masa jabatannya ditegaskan kembali
sebagaimana termuat dalam Akta No. 9 tanggal 26 Februari 2024.
Beliau menempuh pendidikan jurusan Commerce Program Actuarial di
Australian National University (1998 - 2000) dan (2000 - 2003), kemudian
melanjutkan pendidikan Actuarial Studies Hours (Second Class Honors)
tahun 2004. Beliau pemegang sertifikasi Certified Risk Governance
Professional (CRGP) sejak tahun 2017 dan Integrated Risk Governance
Specialist sejak tahun 2020.
Australian citizen, 47 years old, domiciled in Jakarta. Appointed
as Director of the Company based on the Resolution of the Annual GMS
which was held on June 28th, 2023 and effectively serving after being
declared to have passed the Fit and Proper Test by Financial Services
Authority, and his term of office was reaffirmed as contained in Deed No. 9
dated February 26th, 2024. He studied Commerce Actuarial Program at the
Australian National University from (1998 - 2000) and (2000 - 2003), then
continued his education in Actuarial Studies Hours (Second Class Honors)
in 2004. He is a Certified Risk Governance Professional (CRGP) holder
since 2017 and an Integrated Risk Governance Specialist since 2020.
Memulai kariernya di Hanwha Life Insurance Korea sejak tahun He started his career at Hanwha Life Insurance Korea
2005 dan menempati beberapa posisi, antara lain sebagai in 2005 and held several positions, including Actuarial
Actuarial Valuation (Reserve Adequacy Test) (2005 - 2009), Valuation (Reserve Adequacy Test) (2005 - 2009), Supervisor
Supervisor (2009 - 2010), Manager (2010-2013), Senior Manager (2009 - 2010), Manager (2010 - 2013), Senior Manager
(2013-2016). Kemudian, menjabat sebagai Chief Financial Officer (2013 - 2016). Then, he served as Chief Financial Officer at
di Entitas Anak Hanwha Life Insurance Korea, yaitu PT Hanwha Hanwha Life Insurance Korea’s Subsidiary, PT Hanwha Life
Life Insurance Indonesia (2017 - 2022). Jabatan terakhirnya Insurance Indonesia (2017 - 2022). His last position was as
sebagai General Manager (2022 hingga dinyatakan lulus Penilaian General Manager (2022 until he passed the Fit and Proper
Kemampuan dan Kepatutan oleh Otoritas Jasa Keuangan Test by Financial Services Authority as Company Director)
sebagai Direktur Perseroan) di Hanwha Life Insurance Korea. at Hanwha Life Insurance Korea. Other than as a Director of the
Selain sebagai Direktur di Perseroan, beliau tidak memiliki jabatan Company, he has no positions in other companies.
di perusahaan lain.
90 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 93
Company Profile
Gilbert Deddy Naibaho
Direktur
Director
Warga Negara Indonesia, 50 tahun, berdomisili di Tangerang. Diangkat
sebagai Direktur Perseroan sejak 2015 dengan pengangkatan kembali
Keputusan RUPS berdasarkan Tahunan yang dilaksanakan pada tanggal
28 Juni 2023 sebagaimana yang kemudian ditegaskan kembali dalam
Akta No. 9 tanggal 26 Februari 2024. Beliau pemegang sertifikasi
ANZIIF (Senior Associate) CIP, AAIK, QIP, dan CRGP. Beliau memperoleh
penghargaan sebagai “The 3rd Champion” pada ajang Indonesia Future
Business Leader Award (2016) dari Majalah SWA dan penghargaan
“Top 200 The Next Leaders (2022)” dari Majalah Infobank.
Indonesian Citizen, 50 years old, domiciled in Tangerang. Appointed
as Director of the Company since 2015 with reappointment based on
the Resolution of the Annual GMS held on June 28th, 2023, as later
reaffirmed in Deed No. 9 dated February 26th, 2024. He is a holder of
ANZIIF (Senior Associate) CIP, AAIK, QIP, and CRGP certifications. He was
awarded “The 3rd Champion” at the Indonesia Future Business Leader
Award (2016) from SWA Magazine and the “Top 200 The Next Leaders
(2022)” award from Infobank Magazine.
Beliau mengawali kariernya sebagai Management Trainee dan He started his career as a Management Trainee and Officer in
Officer di bagian Pemasaran dan Teknik Kantor Pusat, pernah the Marketing and Technical Department of the Head Office,
bertugas di beberapa kantor cabang, antara lain Cabang and has served in several branch offices, including Bandung
Bandung, Cabang Surabaya, Cabang Karawaci, dan Cabang Branch, Surabaya Branch, Karawaci Branch, and Medan Branch
Medan (2002 - 2010). Sebelum menjabat sebagai Direktur (2002 - 2010). Before serving as the Company’s Director,
Perseroan, pernah menjabat di beberapa posisi penting, he had held several important positions, such as Area Manager
seperti Area Manager Sumatra, dipromosikan menjadi Business for Sumatra, promoted to Business Development-Division Head
Development-Division Head and Branch Coordinator Kantor and Branch Coordinator for the Head Office (2010), and served
Pusat (2010), serta menjabat sebagai Senior Vice President as Senior Vice President of Operations (2013 - 2015). Apart from
Operation (2013 - 2015). Selain sebagai Direktur di Perseroan, being a Director of the Company, he does not hold any other
beliau tidak memiliki rangkap jabatan di perusahaan lain. positions in other companies.
Perubahan Komposisi Anggota Direksi Changes in the Composition of the Board
dan Alasan Perubahannya of Directors Members and the Reasons for
the Changes
Pada tahun 2025, tidak terdapat perubahan komposisi In 2025, there was no change in the composition of
anggota Direksi Perseroan. Komposisi Direksi Perseroan the Company’s Board of Directors. The current composition
saat ini telah memenuhi ketentuan dalam Peraturan OJK of the Company’s Board of Directors has fulfilled
No. 33/POJK.04/2014 tentang Direksi dan Dewan Komisaris the provisions in OJK Regulation No. 33/POJK.04/2014 on
Emiten atau Perusahaan Publik dan Peraturan OJK No. 23 the Board of Directors and Board of Commissioners of Issuers
Tahun 2023 tentang Perizinan Usaha dan Kelembagaan or Public Companies and OJK Regulation No. 23 of 2023 on
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Business Licensing and Institutions of Insurance Companies,
Perusahaan Reasuransi, dan Perusahaan Reasuransi Syariah. Sharia Insurance Companies, Reinsurance Companies, and
Sharia Reinsurance Companies.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 91
Page 94
Profil Perusahaan
Profil Komite di Bawah Dewan Komisaris
Profile of Committees Under the Board of Commissioners
Usia Pengalaman
Nama Posisi (Tahun) Kewarganegaraan Pendidikan Terakhir Kerja Terakhir Rangkap Jabatan
Name Position Age Citizenship Latest Education Latest Work Concurrent Position
(Year) Experience
Komite Audit / Audit Committee
Berdasarkan Surat Keputusan Dewan Komisaris No. 001/BOC-CS/VII/2023 tanggal 28 Juli 2023.
Based on the Decree of the Board of Commissioners No. 001/BOC-CS/VII/2023 dated July 28th, 2023.
Hyacintus Ketua Profil lengkap dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan Tahunan ini.
Henri Djantoko Chairman Complete profile can be found in the Board of Commissioners’ Profile section in this Annual Report.
Mawarto Anggota 70 Indonesia Formal: Ketua Sekolah Tinggi Ilmu • Anggota Komite
Member Doktor Manajemen Ekonomi Dharma Audit PT Asuransi
Pendidikan dari Bumiputera Jakarta Jiwa Hanwha Life
Universitas Negeri (Mei 2019-Februari 2021). Indonesia; serta
Jakarta (2014). • Sekretaris Senat STIE
Non-Formal/Sertifikasi: Dharma Bumiputera
Certification in Audit Jakarta
Committee Practices - (sejak Juli 2021).
anggota Asosiasi Ikatan
Komite Audit Indonesia
(IKAI).
Formal: Chairman of Sekolah Tinggi • Member of Audit
Doctor of Educational Ilmu Ekonomi Dharma Committee of
Management from Bumiputera Jakarta PT Asuransi Jiwa
Universitas Negeri (May 2019-February 2021). Hanwha Life
Jakarta (2014). Indonesia; and
Non-Formal/ • Senate Secretary
Certification: of STIE Dharma
Certification in Audit Bumiputera Jakarta
Committee Practices - (since July 2021).
member of
the Indonesian
Institute of Audit
Committee
Association (IKAI).
Komite Remunerasi dan Nominasi / Remuneration and Nomination Committee
Berdasarkan Surat Keputusan Dewan Komisaris No. 002/BOC-CS/VII/2023 tanggal 28 Juli 2023.
Based on the Decree of the Board of Commissioners No. 002/BOC-CS/VII/2023 dated July 28th, 2023.
Hyacintus Ketua
Henri Djantoko Chairman Profil lengkap dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan Tahunan ini.
Anggota Complete profile can be found in the Board of Commissioners’ Profile section in this Annual Report.
Ali Chendra
Member
Susanti Halim Anggota 51 Indonesia Sarjana Manajemen • Department Head Anggota Unit
Member Informatika dari - Human Resources Anti-Fraud Perseroan.
Universitas Gunadarma Perseroan (2008 - 2021);
(1996). • Assistant Vice President
- People Development
Perseroan (sejak 2022);
serta
• Vice President - People
Development Perseroan
(sejak 2025)
Bachelor of Information • Department Head of - Member of
Management from Human Resources of the Company’s
Universitas Gunadarma the Company Anti-Fraud Unit.
(1996). (2008-2021);
• Assistant Vice President-
People Development of
the Company
(since 2022); and
• Vice President-People
Development of the
Company (since 2025).
92 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 95
Company Profile
Usia Pengalaman
Nama Posisi (Tahun) Kewarganegaraan Pendidikan Terakhir Kerja Terakhir Rangkap Jabatan
Name Position Age Citizenship Latest Education Latest Work Concurrent Position
(Year) Experience
Komite Pemantau Risiko / Risk Oversight Committee
Berdasarkan Surat Keputusan Dewan Komisaris No. 004/BOC-CS/VII/2023 tanggal 28 Juli 2023.
Based on the Decree of the Board of Commissioners No. 004/BOC-CS/VII/2023 dated July 28th, 2023.
Hyacintus Ketua Profil lengkap dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan Tahunan ini.
Henri Djantoko Chairman Complete profile can be found in the Board of Commissioners’ Profile section in this Annual Report.
Charles Anggota 40 Indonesia Magister Manajemen • Risk Management Head • Anggota Komite
Hanafie Member dari Universitas Pelita Perseroan (2011 - 2015); Pengembangan
Harapan (2010). serta Produk Perseroan;
• Assistant Vice President serta
Digital Business • Anggota Unit
Perseroan (2024). Pelindungan Data
Pribadi Perseroan.
Master of Management • Risk Management • Member of
from Universitas Pelita Head Perseroan of the Company’s
Harapan (2010). the Company Product Development
(2011 - 2015); and Committee; and
• Assistant Vice President • Member of
Digital Business of the Company’s
the Company (2024). Personal Data
Protection Unit.
Emma Paulina Anggota 51 Indonesia • Magister Manajemen • Branch Manager -
Balubun Member dari Universitas Cabang Karawaci
Gunadarma (2014). Perseroan
(2008 - 2019); serta
• Department Head -
Corporate Relation
2 Perseroan (2019).
• Master of • Branch Manager of -
Management Karawaci Branch of
from Universitas the Company
Gunadarma (2014). (2008 - 2019); and
• Department Head of -
Corporate Relations 2
of the Company (2019).
Komite Kebijakan Tata Kelola Perusahaan / Good Corporate Governance Committee
Berdasarkan Surat Keputusan Dewan Komisaris No. 003/BOC-CS/VII/2023 tanggal 28 Juli 2023.
Based on the Decree of the Board of Commissioners No. 003/BOC-CS/VII/2023 dated July 28th, 2023.
Ketua Profil lengkap dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan Tahunan ini.
Ali Chendra
Chairman Complete profile can be found in the Board of Commissioners’ Profile section in this Annual Report.
Satini Kartika Anggota 54 Indonesia Sarjana Hukum dari • Legal & Corporate • Anggota Komite
Sari Member Universitas 17 Agustus Secretary Officer Manajemen Risiko
1945 (1995). PT Asuransi Lippo Life Tbk Perseroan; serta
(1997 - 2000); • Anggota Unit
• Legal & Corporate Pelindungan
Secretary Officer Lippo E Konsumen dan
Net Tbk (2000 - 2003); Masyarakat Perseroan.
serta
• Corporate Secretary
Perseroan (sejak 2003).
Bachelor of Law from • Legal & Corporate • Member of
Universitas 17 Agustus Secretary Officer the Company’s
1945 (1995). PT Asuransi Lippo Life Tbk Risk Management
(1997 - 2000); Committee; and
• Legal & Corporate • Member of
Secretary Officer Lippo E the Company’s
Net Tbk (2000 - 2003); Consumer and Public
and Protection Unit.
• Corporate Secretary
of the Company
(since 2003).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 93
Page 96
Profil Perusahaan
Profil Komite di Bawah Direksi
Profile of Committees Under the Board of Directors
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Komite Investasi / Investment Committee
Berdasarkan Surat Keputusan Direksi No. SK 220/DIR-CS/VII/2024 tanggal 1 Juli 2024.
Based on the Decree of the Board of Directors’ No. SK 220/DIR-CS/VII/2024 dated July 1st, 2024.
Ketua Profil lengkap dapat dilihat pada bagian Profil Direksi dalam Laporan Tahunan ini.
Kwon Gi Han
Chairman Complete profile can be found in the Board of Directors’ Profile section in this Annual Report.
Viyanty Salim Anggota 55 Indonesia Sarjana Ekonomi • Vice President - Finance & Anggota Komite
Member Akuntansi dari Accounting Perseroan Manajemen Risiko
Universitas (2021 - 2023); Perseroan.
Tarumanagara (1993). • Senior Vice President -
Finance & Accounting
Perseroan (sejak 2023); serta
• Executive Vice President
- Finance & Accounting
Perseroan (sejak 2025).
Bachelor of Economics • Vice President - Finance & Member of
in Accounting Accounting of the Company the Company’s
from Universitas (2021 - 2023); Risk Management
Tarumanagara (1993). • Senior Vice President - Committee.
Finance and Accounting of
the Company (since 2023);
and
• Executive Vice President -
Finance & Accounting of
the Company (since 2025).
Jessy Christina Anggota 52 Indonesia Magister Manajemen • Vice President Broker Anggota Unit
Hutagalung Member dari Universitas Pelita & Branch Coordinator Pelindungan Data
Harapan (2017). Perseroan (2017 - 2019); Pribadi Perseroan.
• Executive Vice President
Broker & Branch Coordinator
Perseroan (sejak 2019); serta
• Executive Vice President
Business Unit & Brokers
Perseroan (sejak 2026).
Master of Management • Vice President Broker & Member of
from Universitas Pelita Branch Coordinator of the Company’s
Harapan (2017). the Company (2017 - 2019); Personal Data
• Executive Vice President Protection Unit.
of Brokerage & Branch
Coordinator of the Company
(since 2019); and
• Executive Vice President
Business Unit & Brokers of
the Company (since 2026).
94 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 97
Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Gabriella Anggota 27 Indonesia Sarjana Matematika dan • Technical Actuary Senior Anggota Komite
Anastasia Member Ilmu Pengetahuan Alam Officer Perseroan Pengembangan
Statistika dari Institut (2023 - 2024); Produk.
Teknologi Bandung • Department Head - Technical
(2020). Actuary Perseroan
(sejak 2024); serta
• Department Head - Actuarial
Valuation & Reporting
Perseroan (sejak 2026).
Bachelor of Mathematics • Technical Actuary Senior Member of
and Natural Sciences Officer of the Company the Product
Statistics from Institut (2023 - 2024); Development
Teknologi Bandung • Department Head - Technical Committee.
(2020). Actuary of the Company
(since 2024); and
• Department Head - Actuarial
Valuation & Reporting of
the Company (since 2026).
Komite Pengembangan Produk / Product Development Committees
Berdasarkan Surat Keputusan Direksi No. SK 235/DIR-CS/VI/2025 tanggal 2 Juni 2025.
Based on the Decree of the Board of Directors No. SK 235/DIR-CS/VI/2025 dated June 2nd, 2025.
Gilbert Deddy Ketua Profil lengkap dapat dilihat pada bagian Profil Direksi dalam Laporan Tahunan ini.
Naibaho Chairman Complete profile can be found in the Board of Directors’ Profile section in this Annual Report.
Timmie Anggota 45 Indonesia Sarjana Teknik dari • Vice President - Business Unit • Anggota Komite
Manglassa Member Institut Teknologi Perseroan (2021 - 2023); Manajemen Risiko
Sepuluh November • Senior Vice President - Perseroan; serta
(2002). Business Unit Perseroan • Ketua Unit
(sejak 2023); serta Aksi Keuangan
• Senior Vice President - Berkelanjutan.
Branches & Jabodatabek
Area Perseroan (sejak 2026).
Bachelor of Engineering • Vice President - Business • Member of
from Institut Teknologi Unit of the Company the Company’s
Sepuluh November (2021 - 2023); Risk Management
(2002). • Senior Vice President Committee; and
Business Unit of the • Chairman of
Company (since 2023); and the Sustainable
• Senior Vice President - Finance Action
Branches & Jabodetabek Unit.
Area of the Company
(since 2026)
Evan Parulian Anggota 52 Indonesia Sarjana Ekonomi • Assistant Vice President Anggota Komite
Hutagalung Member Manajemen Keuangan Financial Institution Manajemen Risiko
dari Universitas Kristen Perseroan (2018 - 2019); Perseroan.
Satya Wacana (1999). • Vice President Financial
Institution Perseroan
(2019-2025); serta
• Senior Vice President
Financial Institution Perseroan
(sejak 2025).
Bachelor of Economics • Assistant Vice President Member of
in Financial Management Financial Institution of the Company’s
from Universitas Satya the Company (2018-2019); Risk Management
Wacana Christian (1999). • Vice President Financial Committee.
Institution of the Company
(2019-2025); and
• Senior Vice President
Financial Institution of
the Company (since 2025).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 95
Page 98
Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Putri Citra Anggota 33 Indonesia Sarjana Ekonomi • Retail Business Unit Senior -
Mentari Member Akuntansi dari STIE Officer Perseroan
Budhi (2016). (2020 - 2022); serta
• Deputy Department Head -
Retail Business Unit Perseroan
(sejak 2022).
Bachelor of Economics • Retail Business Unit Senior
in Accounting from STIE Officer of the Company
Budhi (2016). (2020 - 2022); and
• Deputy Department Head -
Retail Business Unit of
the Company (since 2022).
Charles Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pemantau Risiko dalam Laporan Tahunan ini.
Hanafie Member Complete profile can be found in the Risk Oversight Committees Profile section in this Annual Report.
William Anggota 34 Indonesia Magister Matematika dan • Deputy Department Head Anggota Unit
Kusmono Member Ilmu Pengetahuan Alam - Health Underwriting Pelindungan Data
dari Institut Teknologi Perseroan (2022 - 2023); Pribadi Perseroan.
Bandung (2015). serta
• Department Head - Health
Underwriting Perseroan
(sejak 2023).
Master of Mathematics • Deputy Department Head - Member of
and Natural Sciences Health Underwriting of the the Company’s
from Institut Teknologi Company (2022 - 2023); and Personal Data
Bandung (2015). • Department Head - Health Protection Unit.
Underwriting of the Company
(since 2023).
Edhita Ayu Anggota 40 Indonesia Sarjana Sastra Inggris Deputy Department Head -
Trihapsari Member dari UKSW Salatiga - Marine and Miscellaneous
Wibowo (2008). Business Unit (sejak 2023).
Bachelor of English Deputy Department Head
Literature from UKSW - Marine and Miscellaneous
Salatiga (2008). Business Unit (since 2023).
Gabriella Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Investasi dalam Laporan Tahunan ini.
Anastasia Member Complete profile can be found in the Investment Committee Profile section in this Annual Report.
Komite Medis / Medical Committee
Berdasarkan Surat Keputusan Direksi No. 209/DIR-CS/XII/2023 tanggal 7 Desember 2023.
Based on the Decree of the Board of Directors No. 209/DIR-CS/XII/2023 dated December 7th, 2023.
dr. Joseph Ketua 29 Indonesia Profesi Dokter dari • Part time doctor social service -
Kristopher Kun Chairman Universitas Pelita di Klinik Asih Anugerah,
Harapan (2021). Tangerang (sejak 2018);
• Risk Engineering Senior
Officer Perseroan
(sejak 2022); serta
• Medical Intern di Puskesmas
Buungbiu Bali (2022).
Medical Profession • Part time social service
from Universitas Pelita doctor at Kasih Anugerah
Harapan (2021). Clinic, Tangerang
(since 2018);
• Risk Engineering Senior
Officer of the Company
(since 2022); and
• Medical Intern at Community
Health Center Buungbiu,
Bali (2022)
96 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
dr. Nadia Sekretaris 30 Indonesia Master of Science- • Research Assistant China -
Sylvano Healthcare Management Medical University
dari ASIA University (2021 - 2022);
(2022). • Intern di RSUD Bendan
Pekalongan (2022 - 2023);
• Provider & TPA Management
Senior Officer (sejak 2024);
serta
• Department Head - Health
Partners Management
Perseroan (sejak 2026).
Master of Science- • Research Assistant at
Healthcare Management China Medical University
from ASIA University (2021 - 2022);
(2022). • Intern at Bendan Pekalongan
Hospital (2022 - 2023);
• Provider & TPA Management
Senior Officer (since 2024);
and
• Department Head - Health
Partners Management of
the Company (since 2026).
dr. Rudy Anggota 52 Indonesia Profesi Dokter • Dokter di Green Ville Real • Anggota Komite
Tjahjadi Member dari Universitas Estate (sejak 2007); Manajemen Risiko
Tarumanagara (2002). • Vice President - Corporate Perseroan; serta
Relation Perseroan • Anggota Unit
(2021 - 2023); serta Pelindungan Data
• Senior Vice President Pribadi Perseroan.
Corporate Relation Perseroan
(sejak 2023).
Medical Profession • Doctor at Green Ville Real • Member of
from Universitas Estate (since 2007); the Company’s
Tarumanagara (2002). • Vice President - Corporate Risk Management
Relations of the Company Committee; and
(2021 - 2023); and • Member of
• Senior Vice President the Company’s
Corporate Relations of Personal Data
the Company (since 2023). Protection Unit.
dr. Doddy Eka Anggota 40 Indonesia Profesi Dokter dari • Dokter Umum di Inhouse Anggota Unit
Pratama Member Universitas Kristen Krida Clinic PT KMK Global Anti-Fraud
Wacana (2011). Sport (2015 - 2016); serta Perseroan.
• Department Head - Claim
Health Perseroan
(sejak 2021).
Medical Profession from • General Practitioner Member of
Universitas Kristen Krida at the Inhouse Clinic the Company’s
Wacana (2011). of PT KMK Global Sport Anti-Fraud Unit.
(2015 - 2016); and
• Department Head - Claim
Health of the Company
(since 2021).
dr. Billy Anggota 30 Indonesia Profesi Dokter dari Dokter Umum di RS Agung Health Claim Senior
Danarto Member Universitas Kristen Krida (2021-2023). Officer.
Wacana (2019).
Medical Profession from General Practitioner at
Universitas Kristen Krida the Agung Hospital
Wacana (2019). (2021-2023).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 97
Page 100
Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
dr. David Anggota 26 Indonesia Profesi Dokter • Dokter & Research Health Claim Senior
Christian Member dari Universitas Coordinator di Puskesmas Officer - Approval.
Tarumanagara (2024). Cisoka, Banten (2024-2025);
serta
• Dokter di RS Ciputra Hospital
Citra Raya Tangerang (2025).
Medical Profession • Doctor & Research
from Universitas Coordinator at Community
Tarumanegara (2024). Health Center Cisoka, Banten
(2024-2025); and
• Doctor at Ciputra Hospital
Citra Raya Tangerang (2025).
Komite Pengarah Teknologi Informasi / Information Technology Steering Committees
Berdasarkan Surat Keputusan Direksi No. 217.1/DIR-CS/III/2024 Revisi 03 tanggal 14 November 2025.
Based on the Board of Directors’ Decree No. 217.1/DIR-CS/III/2024 Revision 03 dated November 14th, 2025.
Ketua Profil lengkap dapat dilihat pada bagian Profil Direksi dalam Laporan Tahunan ini.
Choi Hyunhee
Chairman Complete profile can be found in the Board of Directors Profile in this Annual Report.
Andreas Anggota 45 Indonesia Sarjana Teknik • Infra Team Lead -
Kusuma Member Informatika dari di PT Maybank Indonesia
Universitas Bina (2006 - 2017);
Nusantara (2002). • Head of IT Operation &
Infrastructure di Sompo
Insurance Indonesia
(2017 - 2022);
• Head of IT and Business
Transformation di AXA
Insurance Indonesia
(2022 - 2025); serta
• Assistant Vice President
- Information System
Technology Perseroan (2025).
Bachelor of Informatics • Infra Team Lead at the
Engineering from PT Maybank Indonesia
Universitas Bina (2006 - 2017);
Nusantara (2002). • Head of IT Operation &
Infrastructure at the Sompo
Insurance Indonesia
(2017 - 2022);
• Head of IT and Business
Transformation at the AXA
Insurance Indonesia
(2022 - 2025); and
• Assistant Vice President
- Information System
Technology of the Company
(2025).
Chaniago Anggota 39 Indonesia Sarjana Teknik • Senior Assistant Manager - IT Anggota Unit
Member Informatika dari STMIK Security Perseroan (2020); Pelindungan Data
Dharma Putra (2007). • Department Head - IT Pribadi.
Infrastructure & Information
Security Management System
Perseroan (sejak 2024); serta
• IT Security & Governance
Perseroan (sejak 2026).
Bachelor of Informatics • Senior Assistant Manager - IT Member of Personal
Engineering from STMIK Security of the Company Data Protection Unit.
Dharma Putra (2007). (2020);
• Department Head - IT
Infrastructure & Information
Security Management System
of the Company (since 2024);
and
• IT Security & Governance of
the Company (since 2026).
98 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 101
Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Ladyawati Anggota 54 Indonesia Lulusan Sekolah • Department Head - Claim Anggota Unit
Member Menengah Atas (1991). Health Provider Pelindungan Data
(2014 - 2015); serta Pribadi.
• Department Head - Health
Central Processing Perseroan
(sejak 2015).
High School Graduate • Department Head - Claim Member of Personal
(1991). Health Provider Data Protection Unit.
(2014 - 2015); and
• Department Head - Health
Central Processing of
the Company (since 2015).
Putut Haryo Anggota 42 Indonesia Sarjana Sistem Teknologi • Operation Head Anggota Unit
Pangasto Member Informasi Sistem (2014 - 2017); serta Pelindungan Data
Informasi dari Universitas • Department Head - General Pribadi.
Budi Luhur (2005). Central Processing Perseroan
(sejak 2017).
Bachelor of Information • Operation Head (2014 - 2017); Member of Personal
Technology in and Data Protection Unit.
Information System from • Department Head - General
Universitas Budi Luhur Central Processing of
(2005). the Company (since 2017).
Afrilina Arifin Anggota 50 Indonesia Magister Manajemen • Relationship Senior Officer -
Member Sumber Daya Manusia (2011 - 2013);
dari Universitas • Corporate Health Marketing
Borobudur (2002). Head (2013-2014);
• Department Head -
Account Dev 1 Perseroan
(2020-2025) ; serta
• Department Head - Account
Dev 2 Perseroan (sejak 2025).
Master of Human • Relationship Senior Officer
Resources Management (2011 - 2013);
from Universitas • Corporate Health Marketing
Borobudur (2002). Head (2013-2014);
• Department Head - Account
Dev 1 of the Company
(2020-2025); and
• Department Head - Account
Dev 2 of the Company
(since 2025).
Muhammad Anggota 32 Indonesia Sarjana Matematika • Department Head - Health -
Farhan Ilhamy Member dan Ilmu Pengetahuan Underwriting (2022 - 2023);
Alam dari Universitas • Department Head - Data
Padjajaran (2015). Analytic (sejak 2023); serta
• Department Head - Claim
Health Provider Perseroan
(sejak 2026).
Bachelor of Mathematics • Department Head - Health
and Natural Sciences Underwriting (2022 - 2023);
from Universitas • Department Head - Data
Padjajaran (2015). Analytic (since 2023); and
• Department Head - Claim
Health Provider of the
Company (since 2026).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 99
Page 102
Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
APU PPT & PPPSPM / AML - CFT & CPF
Berdasarkan Surat Keputusan Direksi No. 206/DIR-CS/XI/2023 tanggal 23 November 2023.
Based on the Decree of the Board of Directors No. 206/DIR-CS/XI/2023 dated November 23rd, 2023.
Ivo Santri Ketua 37 Indonesia Sarjana Hukum dari • Legal Senior Officer • Anggota Unit
Lubis Chairman Universitas Diponegoro Perseroan Anti-Fraud
(2011). (2018 - 2020); Perseroan;
• Pjs. Department Head - Legal • Anggota Unit
Perseroan Pelindungan
(sejak 2021); serta Konsumen dan
• Department Head - Legal Masyarakat
Perseroan (sejak 2022). Perseroan; serta
• Ketua Unit
Pelindungan Data
Pribadi Perseroan.
Bachelor of Law from • Legal Senior Officer of • Member of
Universitas Diponegoro the Company (2018 - 2020); the Company’s
(2011). • Acting Department Head - Anti-Fraud Unit;
Legal of the Company • Member of
(since 2021); and the Company’s
• Department Head - Legal of Consumer and
the Company (since 2022). Public Protection
Unit; and
• Chairman of
the Company’s
Personal Data
Protection Unit.
Pondi Pratama Anggota 43 Indonesia Sarjana Matematika dari • Risk Engineering Perseroan -
Member Universitas Padjadjaran (2019 - 2020);
(2006). • Department Head Risk
Engineering Perseroan
(sejak 2023); serta
• Risk Engineering and Portfolio
Analysis Perseroan
(sejak 2026);
Bachelor of Mathematics • Risk Engineering of the
from Universitas Company (2019 - 2020);
Padjadjaran (2006). • Department Head Risk
Engineering of the Company
(since 2023); and
• Risk Engineering and
Portfolio Analysis of
the Company (since 2026).
Christine Prety Anggota 36 Indonesia Sarjana Perikanan dan • Quality Assurance Senior Anggota Unit
Ballerena Member Ilmu Kelautan dari Institut Officer Perseroan Aksi Keuangan
Pertanian Bogor (2012). (2014 - 2020); serta Berkelanjutan
• Deputy Department Head Perseroan
- Corporate Secretary
Perseroan (sejak 2021).
Bachelor of Fisheries • Quality Assurance Senior Member of
and Marine Science from Officer of the Company the Company’s
Institut Pertanian Bogor (2014 - 2020); and Sustainable Finance
(2012). • Deputy Department Head - Action Unit
Corporate Secretary of
the Company (since 2021).
Nadia Anggota 32 Indonesia • Sarjana Ekonomi • Officer Development Program Anggota Unit
Erlikasna Br. Member Manajemen dari Perseroan (2017 - 2019); Pelindungan Data
Pandia Institut Pertanian • Deputy Department Head - Pribadi.
Bogor 2016); serta Quality Assurance Perseroan
• Magister Manajemen (2022-2025); serta
Universitas Pelita • Department Head - Enterprise
Harapan (2024). Risk Management Perseroan
(sejak 2025).
100 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
• Bachelor of • Officer Development Member of Personal
Management Program of the Company Data Protection Unit.
Economics from (2017 - 2019);
Institut Pertanian • Deputy Department Head
Bogor (2016); and - Quality Assurance of the
• Master of Company (2022-2025); and
Management • Department Head -
Universitas Pelita Enterprise Risk Management
Harapan (2024). of the Company (since 2025).
Komite Manajemen Risiko / Risk Management Committee
Berdasarkan Surat Keputusan Direksi No. 211/DIR-CS/XII/2023 tanggal 7 Desember 2023.
Based on the Decree of the Board of Directors No. 211/DIR-CS/XII/2023 dated December 7th, 2023.
Ketua
Agus Benjamin
Chairman Profil lengkap dapat dilihat pada bagian Profil Direksi dalam Laporan Tahunan ini.
Anggota Complete profile can be found in the Board of Directors’ Profile section in this Annual Report.
Choi Hyunhee
Member
Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Investasi dalam Laporan Tahunan ini.
Viyanty Salim
Member Complete profile can be found in the Investment Committee Profiles section of this Annual Report.
Timmie Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pengembangan Produk dalam Laporan Tahunan ini.
Manglassa Member Complete profile can be found in the Product Development Committee Profiles section of this Annual Report.
dr. Rudy Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Medis dalam Laporan Tahunan ini.
Tjahjadi Member Complete profile can be found in the Medical Committee Profiles section of this Annual Report.
Satini Kartika Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Kebijakan Tata Kelola dalam Laporan Tahunan ini.
Sari Member Complete profile can be found in the Good Corporate Governance Committee Profiles section of this Annual Report.
Evan Parulian Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pengembangan Produk dalam Laporan Tahunan ini.
Hutagalung Member Complete profile can be found in the Product Development Committee Profile section in this Annual Report.
Unit Anti-Fraud / Anti-Fraud Unit
Berdasarkan Surat Keputusan Direksi No. 226DIR-CS/IX/2024 tanggal 17 September 2024.
Based on Board of Directors Decree No. 226DIR-CS/IX/2024 dated September 17th, 2024.
Setiyo Andi Ketua 52 Indonesia Sarjana Asuransi • Vice President Claim -
Murpiyanto Chairman Kerugian dari Sekolah Perseroan (2021 - 2023);
Tinggi Manajemen serta
Asuransi Trisakti (2004). • Senior Vice President Claim
Perseroan (sejak 2023).
Bachelor of Casualty • Vice President Claim of the
Insurance from Sekolah Company (2021 - 2023); and
Tinggi Manajemen • Senior Vice President Claim
Asuransi Trisakti (2004). of the Company (since 2023).
Mathias Elsson Anggota 33 Indonesia Sarjana Teknik Kimia dari • Risk Engineering & Treaty pada Anggota
Member Universitas Indonesia Risk Management Department Departemen
(2015). Perseroan (2015 - 2019); Enterprise Risk
• Deputy Department Head Management.
Claim General Non-Motor
Vehicle 2 Perseroan
(2019-2021); serta
• Department Head Claim
General Non-Motor Vehicle 2
Perseroan (sejak 2021).
Bachelor of Chemical • Risk Engineering & Treaty Member of
Engineering from at the Risk Management the Enterprise
Universitas Indonesia Department of the Company Risk Management
(2015). (2015 - 2019); Department.
• Deputy Department Head
Claim General Non-Motor
Vehicle 2 of the Company
(2019-2021); and
• Department Head Claim
General Non-Motor Vehicle 2
of the Company (since 2021).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 101
Page 104
Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Shandy Anggota 39 Indonesia Sarjana Business • Deputy Department Head -
Maulana Member Management dari STIE - Claim General Non MV 1
GICI Business School (2019 - 2021); serta
(2007). • Department Head - Claim
General Non MV 1 Perseroan
(sejak 2021).
Bachelor of Business • Deputy Department Head
Management from STIE - Claim General Non MV 1
GICI Business School (2019 - 2021); and
(2007). • Department Head - Claim
General Non MV 1 of
the Company (since 2021).
dr. Doddy Eka Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Medis dalam Laporan Tahunan ini.
Pratama Member Complete profile can be found in the Medical Committee Profile section in this Annual Report.
Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Remunerasi dan Nominasi dalam Laporan Tahunan ini.
Susanti Halim
Member Complete profile can be found in the Remuneration and Nomination Committee Profile section in this Annual Report.
Imelda Anggota 51 Indonesia Diploma Sekretaris dari • Secretary Directors Perseroan Anggota Unit
Dewijanti Member STIKS Tarakanita (1995). (2010 - 2019); serta Aksi Keuangan
• Deputy Department Head - Berkelanjutan
General Services Perseroan Perseroan.
(sejak 2019).
Secretary Diploma from • Secretary Directors of the Member of
STIKS Tarakanita (1995). Company (2010 - 2019); and the Company’s
• Deputy Department Head Sustainable Finance
- General Services of the Action Unit.
Company (since 2019).
Sylvia Angelia*) Anggota 30 Indonesia Sarjana Ekonomi • Internal Audit Senior Officer -
Member dari Universitas Perseroan (2019 - 2023);
Multimedia • Budgeting & IFRS Reporting
Nusantara (2017). Senior Officer Perseroan
(2024); serta
• Deputy Department Head
Perseroan (sejak 2025).
Bachelor of Economics • Internal Audit Senior Officer
from Universitas of the Company (2019-2023);
Multimedia Nusantara • Budgeting & IFRS Reporting
(2017). Senior Officer of the
Company (2024); and
• Deputy Department Head of
the Company (since 2025).
Berry Anggota 40 Indonesia Sarjana Matematika dan • Senior Claim Analyst, Claim -
Fernando Member Ilmu Pengetahuan Alam General Non MV 2 Perseroan
Gultom dari Universitas Sriwijaya (2022 - 2023); serta
(2010). • Department Head - Claim
General MV Perseroan
(sejak 2023).
Bachelor of Mathematics • Senior Claim Analyst,
and Natural Sciences Claim General Non MV 2
from Universitas of the Company
Sriwijaya (2010). (2022 - 2023); and
• Department Head -
Claim General MV of
the Company (since 2023)
Boicko Anggota 36 Indonesia Sarjana Sistem Komputer • Claim Officer (2015 - 2020); -
Johannes Member dari Universitas Katolik serta
Pakpahan Santo Thomas (2012). • Health Claim Senior Officer
- Claim Analyst Perseroan
(sejak 2020).
Bachelor of Computer • Claim Officer (2015 - 2020);
Systems from Universitas and
Katolik Santo Thomas • Health Claim Senior Officer
(2012). - Claim Analyst Perseroan
(since 2020).
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Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Ivo Santri Anggota Profil lengkap dapat dilihat pada bagian Profil APU PPT & PPPSPM dalam Laporan Tahunan ini.
Lubis Member Complete profile can be found in the AML - CFT & CPF Profile section in this Annual Report.
*)
Efektif mengundurkan diri dari Perseroan sejak tanggal 31 Desember 2025. / Effectively resigned from the Company as of December 31st, 2025.
Unit Pelindungan Konsumen dan Masyarakat / Consumer and Public Protection Unit
Berdasarkan Surat Keputusan Direksi No. 216/DIR-CS/II/2024 tanggal 19 Februari 2024.
Based on Board of Directors Decree No. 216/DIR-CS/II/2024 dated February 19th, 2024.
Irsan Rivani Ketua 49 Indonesia Sarjana Teknik Geologi • Assistant Vice President - Anggota Unit
Chairman dari Universitas Jabodetabek Area Perseroan Pelindungan Data
Padjajaran (2001). (2010 - 2022); Pribadi.
• Vice President Jabodetabek
Area Perseroan (sejak 2022);
serta
• Vice President - Agency
Perseroan (sejak 2026).
Bachelor of Geological • Assistant Vice President - Member of Personal
Engineering from Jabodetabek Area of Data Protection Unit.
Universitas Padjadjaran the Company (2010 - 2022);
(2001). • Vice President - Jabodetabek
Area of the Company
(since 2022); and
• Vice President - Agency of
the Company (since 2026).
Janto Rivai Anggota 50 Indonesia Sarjana Geofisika/Fisika • Marketing Head - Bandung -
Member Terapan dari Universitas Branch Perseroan
Padjadjaran (1998). (2021 - 2022); serta
• Deputy Department Head
- Property & Engineering
Business Unit Perseroan
(sejak 2024).
Bachelor of Geophysics/ • Marketing Head - Bandung
Applied Physics from Branch of the Company
Universitas Padjadjaran (2021 - 2022); and
(1998). • Deputy Department Head
- Property & Engineering
Business Unit of the
Company (since 2024).
Satini Kartika Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Kebijakan Tata Kelola dalam Laporan Tahunan ini.
Sari Member Complete profile can be found in the Good Corporate Governance Committee Profiles section of this Annual Report.
Ivo Santri Anggota Profil lengkap dapat dilihat pada bagian Profil APU PPT & PPPSPM dalam Laporan Tahunan ini.
Lubis Member Complete profile can be found in the AML - CFT & CPF Profile section in this Annual Report.
Maureen Anggota 49 Indonesia Sarjana Ekonomi • Department Head - Agency Anggota Unit
Indriaty Member Manajemen dari Perseroan (2021 - 2024); Pelindungan Data
Universitas Pelita • Assistant Vice President - Pribadi Perseroan.
Harapan (2001). Agency Perseroan
(sejak 2024); serta
• Assistant Vice President
- Corporate Relation 1
Perseroan (sejak 2026).
Bachelor of • Department Head - Member of
Management Economics Agency of the Company the Company’s
from Universitas Pelita (2021 - 2024); Personal Data
Harapan (2001). • Assistant Vice President - Protection Unit.
Agency of the Company
(since 2024); and
• Assistant Vice President -
Corporate Relation 1 of
the Company (ince 2026).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 103
Page 106
Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Wineke Anggota 51 Indonesia Magister Business Assistant Vice President - • Ketua Unit Edukasi
Winawati Member dari Universitas Pelita Marketing Communication Literasi dan Inklusi
Harapan (2015). Perseroan (sejak 2025). Keuangan; serta
• Anggota Unit
Aksi Keuangan
Berkelanjutan.
Master of Business Assistant Vice President - • Head of the
from Universitas Pelita Marketing Communication of Financial Literacy
Harapan (2015). the Company (since 2025). and Inclusion
Education Unit; and
• Member of
the Company’s
Sustainable Finance
Action Unit.
Dedi Susilo Anggota 38 Indonesia Diploma Kesehatan • Deputy Department Head - -
Member Keperawatan Contact Center (2017 - 2019);
dari Universitas serta
Muhammadiyah • Department Head - Contact
Pringsewu Bandar Center Perseroan (sejak 2019).
Lampung (2009).
Diploma in Health • Deputy Department Head -
Nursing from Universitas Contact Center
Muhammadiyah (2017 - 2019); and
Pringsewu Bandar • Department Head - Contact
Lampung (2009). Center of the Company
(since 2019).
Aditya Anggota 33 Indonesia Sarjana Teknologi • Digital Business Application -
Prasetyo Member Informasi Sistem Senior Officer Perseroan
Informasi dari Universitas (2018-2023);
Budi Luhur (2014). • Deputy Department Head -
Helpdesk Support Perseroan
(sejak 2023); serta
• Deputy Department Head IT
System Support Perseroan
(sejak 2026).
Bachelor of Information • Digital Business Application
Technology in Senior Officer of the
Information System from Company (2018-2023);
Universitas Budi Luhur • Deputy Department Head
(2014). - Helpdesk Support of the
Company (since 2023); and
• Deputy Department Head
IT System Support of the
Company (since 2026).
Unit Corporate Social Responsibility / Corporate Social Responsibility Unit
Berdasarkan Surat Keputusan Direksi No. 147/DIR-CS/II/2020 tanggal 10 Februari 2020.
Based on Board of Directors Decree No. 147/DIR-CS/II/2020 dated February 10th, 2020.
Luhur Ketua 50 Indonesia Diploma Akademi Secretary President Director Anggota Unit
Prihatiningrum Chairman Sekretaris dan Perseroan (sejak 2016). Aksi Keuangan
Manajemen dari Berkelanjutan.
Universitas Santa Maria
Yogyakarta (1997).
Diploma of Secretary Secretary President Director of Member of
and Management the Company (since 2016). the Sustainable
Academy from Finance Action Unit.
Universitas Santa Maria
Yogyakarta (1997).
Unit Edukasi Literasi dan Inklusi Keuangan / Financial Literacy and Inclusion Education Unit
Berdasarkan Surat Keputusan Direksi No. 139/DIR-CS/XI/2019 tanggal 22 November 2019.
Based on Board of Directors Decree No. 139/DIR-CS/XI/2019 dated November 22nd, 2019.
Wineke Ketua Profil lengkap dapat dilihat pada bagian Profil Unit Pelindungan Konsumen dan Masyarakat dalam Laporan Tahunan ini.
Winawati Chairman Complete profile can be found in the Consumer and Public Protection Unit Profile section in this Annual Report.
104 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Unit Asset & Liability Management / Asset & Liability Management Unit
Berdasarkan Surat Keputusan Direksi No. 181/DIR-CS/VIII/2022 tanggal 1 Agustus 2022.
Based on the Decree of the Board of Directors No. 181/DIR-CS/VIII/2022 dated August 1st, 2022.
Yuita Ketua 40 Indonesia Sarjana Ekonomi dari • Deputy Department Head - -
Kusmawaty Chairman STIE Bisma LEPISI Accounting Perseroan
(2008). (2019 - 2022); serta
• Department Head -
Accounting Perseroan
(sejak 2022).
Bachelor of Economics • Deputy Department Head -
from STIE Bisma LEPISI Accounting of the Company
(2008). (2019 - 2022); and
• Department Head -
Accounting of the Company
(since 2022).
Cintya Cloreta Anggota 27 Indonesia Sarjana Matematika dan • Technical Actuary Officer -
Member Ilmu Pengetahuan Alam Perseroan (2021 - 2022);
dari Institut Teknologi serta
Bandung (2020). • Technical Actuary Senior
Officer Perseroan (sejak 2022).
Bachelor of Mathematics • Technical Actuary Officer of
and Natural Sciences the Company (2021 - 2022);
from Institut Teknologi and
Bandung (2020). • Technical Actuary Senior
Officer of the Company
(since 2022).
Unit Aksi Keuangan Berkelanjutan / Sustainable Financial Action Unit
Berdasarkan Surat Keputusan Direksi No. 227/DIR-CS/IX/2024 tanggal 17 September 2024.
Based on the Decree of the Board of Directors No. 227/DIR-CS/IX/2024 dated September 17th, 2024.
Timmie Ketua Profil lengkap dapat dilihat pada bagian Profil Komite Pengembangan Produk dalam Laporan Tahunan ini.
Manglassa Chairman Complete profiles can be found in the Product Development Committee Profiles section of this Annual Report.
Yekti Anggota 48 Indonesia Sarjana Teknik Sipil dari • Health Finance Senior Officer -
Setyaningsih Member Universitas Diponegoro (2014 - 2016); serta
(2000). • Department Head - General
Finance Perseroan
(sejak 2016).
Bachelor of Civil • Health Finance Senior Officer
Engineering from (2014 - 2016); and
Universitas Diponegoro • Department Head - General
(2000). Finance of the Company
(since 2016).
Anastasia Anggota 33 Indonesia Sarjana Psikologi dari • Talent Management Senior Anggota Unit
Member Universitas Kristen Krida Officer & Development Pelindungan Data
Wacana (2014). Perseroan (2020 - 2021); Pribadi Perseroan.
serta
• Department Head - Talent
Management Perseroan (sejak
2022).
Bachelor of Psychology • Talent Management Senior Member of
from Universitas Kristen Officer & Development of the Company’s
Krida Wacana (2014). the Company (2020 - 2021); Personal Data
and Protection Unit.
• Department Head -
Talent Management of
the Company (since 2022).
Djoko Perdana Anggota 39 Indonesia Sarjana Psikologi dari • Development Senior -
Member Universitas Jenderal Officer (2015 - 2016); serta
Achmad Yani (2012). • Digital Development Senior
Officer Perseroan (sejak 2017).
Bachelor of Psychology • Development Senior Officer
from Universitas (2015 - 2016); and
Jenderal Achmad Yani • Digital Development Senior
(2012). Officer of the Company
(since 2017).
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 105
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Profil Perusahaan
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Wineke Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Pelindungan Konsumen dan Masyarakat dalam Laporan Tahunan ini.
Winawati Member Complete profile can be found in the Consumer and Public Protection Unit Profile section of this Annual Report.
Imelda Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Anti-Fraud dalam Laporan Tahunan ini.
Dewijanti Member Complete profile can be found in the Anti-Fraud Unit Profile section in this Annual Report.
Luhur Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Corporate Social Responsibility dalam Laporan Tahunan ini.
Prihatiningrum Member Complete profile can be found in the Corporate Social Responsibility Unit Profile section in this Annual Report.
Christine Prety Anggota Profil lengkap dapat dilihat pada bagian Profil APU PPT & PPPSPM dalam Laporan Tahunan ini.
Ballerena Member Complete profile can be found in the AML - CFT & CPF Profile section in this Annual Report.
Dedik Yulianto Anggota 34 Indonesia Magister Komunikasi dari Deputy Department Head Digital -
Member Universitas Gadjah Mada Product (2024).
(2018).
Master of Deputy Department Head Digital
Communication from Product (2024).
Universitas Gadjah Mada
(2018).
Unit Pelindungan Data Pribadi / Personal Data Protection Unit
Berdasarkan Surat Keputusan Direksi No. 228/DIR-CS/IX/2024 tanggal 17 September 2024.
Based on the Decree of the Board of Directors No. 228/DIR-CS/IX/2024 dated September 17th, 2024.
Ivo Santri Ketua
Lubis Chairman
Profil lengkap dapat dilihat pada bagian Profil APU PPT & PPPSPM dalam Laporan Tahunan ini.
Nadia Complete profile can be found in the AML - CFT & CPF Profile section in this Annual Report.
Anggota
Erlikasna Br.
Member
Pandia
Achmad Zaini Anggota 33 Indonesia Sarjana Matematika Department Head - Data -
Member dari Institut Teknologi Technology (sejak 2023).
Bandung (2015).
Bachelor of Mathematics Department Head - Data
from the Institut Teknologi Technology (since 2023).
Bandung (2015).
Aditya Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Pelindungan Konsumen dan Masyarakat dalam Laporan Tahunan ini.
Prasetyo Member Complete profile can be found in the Consumer and Public Protection Unit Profile section of this Annual Report.
Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Aksi Keuangan Berkelanjutan dalam Laporan Tahunan ini.
Anastasia
Member Complete profile can be found in the Sustainable Finance Action Unit Profile section of this Annual Report.
Anggota
Chaniago
Member
Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pengarah Teknologi informasi dalam Laporan Tahunan ini.
Ladyawati
Member Complete profile can be found in the Information Technology Steering Committee section of this Annual Report.
Putut Haryo Anggota
Pangasto Member
Charles Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pemantau Risiko dalam Laporan Tahunan ini.
Hanafie Member Complete profile can be found in the Risk Oversight Committe Profile section of this Annual Report.
106 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Usia Pengalaman
(Tahun) Kewarganegaraan Kerja Terakhir Rangkap Jabatan
Nama Posisi Pendidikan Terakhir
Concurrent
Name Position Age Citizenship Latest Education Latest Work Position
(Year) Experience
Dyah Ayu Anggota 33 Indonesia Sarjana Sistem Komputer • Senior Assistant Manager - -
Arditya Member dari STMIK Raharja Digital Business Application
(2013). (2022 - 2023);
• Deputy Department Head -
Application Development
(sejak 2023);
• Department Head -
Application Development
Perseroan (sejak 2025); serta
• Department Head IT Solution
Delivery Perseroan (sejak
2026).
Bachelor of Computer • Senior Assistant Manager -
System from STMIK Digital Business Application
Raharja (2013). (2022 - 2023);
• Deputy Department Head -
Application Development
(since 2023);
• Department Head -
Application Development of
the Company (since 2025);
serta
• Department Head of IT
Solution Delivery of the
Company (since 2026).
Edhita Ayu
Trihapsari Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pengembangan Produk dalam Laporan Tahunan ini.
Wibowo Member Complete profile can be found in the Product Development Committee Profile section of this Annual Report.
Notosantoso
Anggota
Irsan Rivani
Member Profil lengkap dapat dilihat pada bagian Profil Unit Pelindungan Konsumen dan Masyarakat dalam Laporan Tahunan ini.
Maureen Anggota Complete profile can be found in the Consumer and Public Protection Unit Profile section of this Annual Report.
Indriaty Member
Jessy Christina Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Investasi dalam Laporan Tahunan ini.
Hutagalung Member Complete profile can be found in the Investment Committee Profile section of this Annual Report.
dr. Rudy Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Medis dalam Laporan Tahunan ini.
Tjahjadi Member Complete profile can be found in the Medical Committee Profile section of this Annual Report.
William Anggota Profil lengkap dapat dilihat pada bagian Profil Komite Pengembangan Produk dalam Laporan Tahunan ini.
Kusmono Member Complete profile can be found in the Product Development Committee Profile section of this Annual Report.
Wisnu Anggota Profil lengkap dapat dilihat pada bagian Profil Unit Anti-Fraud dalam Laporan Tahunan ini.
Erlangga Member Complete profile can be found in the Anti-Fraud Unit Profile section in this Annual Report.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 107
Page 110
Profil Perusahaan
Profil Sekretaris Perusahaan
Profile of Corporate Secretary
Satini Kartika Sari
Sekretaris Perusahaan
Corporate Secretary
Periode Menjabat dan Dasar Pengangkatan
Sejak 2003 berdasarkan Surat Penunjukan No. 049/HRD/LGI/VII/2003 tanggal
31 Juli 2003.
Office Tenure and Basis of Appointment
Since 2003 based on the Letter of Appointment No. 049/HRD/LGI/VII/2003 dated
July 31st, 2003.
Profil lengkap dapat dilihat pada uraian Profil Komite Kebijakan Tata Kelola Perusahaan dalam Laporan
Tahunan ini.
A complete profile can be found in the Good Corporate Governance Committee’s Profile section of this
Annual Report.
Profil Kepala Unit Audit Internal
Profile of Head of the Internal Audit Unit
Samuel Hidayat
Kepala Unit Audit Internal
Head of Internal Audit Unit
Warga Negara Indonesia, 46 tahun, berdomisili di Tangerang. Menjabat sebagai
Kepala Unit Audit Internal sejak 2017 berdasarkan Pengangkatan No. Surat
Keputusan 212/LI-HR/I/2017. Meraih gelar Sarjana Teknik Mesin dari Universitas
Tarumanagara pada 2002 dan Master of Business Administration dari University of
Western Australia pada 2005.
Indonesian Citizen, 46 years old, domiciled in Tangerang. Serves as
the Head of Internal Audit Unit since 2017 based on Appointment Decree Letter
No. 212/LI-HR/I/2017. His bachelor of Mechanical Engineering from Universitas
Tarumanagara in 2002 and Master of Business Administration degree from
University of Western Australia in 2005.
Sebelumnya, pernah menjabat sebagai Management Previously served Management Development Program
Development Program (2005-2006), Deputy Head Claim MBU (2005-2006), Claim MBU Deputy Head (2006-2008), and
(2006-2008), dan Section Head U/W MBU di PT Asuransi U/W MBU Section Head at PT Asuransi Sinarmas (2008-2011),
Sinarmas (2008-2011), serta Customer Care Head (2011 - 2013), as well as Customer Care Head (2011-2013), Technical Admin
Technical Admin Head (2013-2014), Operation Head - Jakarta Head (2013-2014), Operation Head - Jakarta (2014-2015), and
(2014 - 2015), dan Kepala Departemen General CP (2015-2017) General CP Department Head (2015-2017) at the Company.
Perseroan. Saat ini, beliau tidak memiliki rangkap jabatan di Currently, he has no concurrent positions in the Company.
Perseroan.
108 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Personel Kunci
Key Personnel
VICE PRESIDENT
Bezaliel Basuki Erlan Jeon Myeonghwan Viyanty Salim Jessy Christina Sribuhayati
Chief of Compliance Chief of Korea Desk Chief of Accounting Executive Vice President
Business Unit
dr. Rudy Tjahjadi Timmie Manglassa Setyo Andi Murpiyanto Evan Parulian Hutagalung
Senior Vice President Senior Vice President Branches Senior Vice President Claim Senior Vice President Financial
Corporate Relation Institution
Erik Aribowo*) Harry Poerwanto Irsan Rivani Susanti Halim
Vice President Brokers Vice President East Area Vice President Agency Vice President People
Development
*)
Efektif tidak lagi menjabat sebagai Vice President Brokers Perseroan beliau dikarenakan telah meninggal dunia pada tanggal 2 April 2026. / Effectively no longer serving as
the Company's Vice President Brokers due to passing away on April 2nd, 2026.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 109
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Profil Perusahaan
VICE PRESIDENT
Wisnu Erlangga Jhoni Indra Mangasa Charles Hanafie Dian Puspitasari
Vice President Account Vice President Accounting Assistant Vice President Digital Assistant Vice President
Development Business Bansos Area
Jin Hun An Maureen Indriaty Yommy Chandra Wineke Winawati
Assistant Vice President Assistant Vice President Assistant Vice President Assistant Vice President
New Business Corporate Relation 1 Sumatra Area Marketing Communication
Andreas Kusuma Emma Paulina Balubun Ladyawati Yekti Setyaningsih
Assistant Vice President Assistant Vice President Assistant Vice President Central Assistant Vice President Finance
Information System Technology Corporate Relation 2 Processing
110 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
FINANCE AND ADMINISTRATION
Resty Oktriani M. Primastuti Dyah Yuita Kusmawaty
Department Head Shintawati Department Head
Health Finance Department Head General Accounting & Tax
Collection & Administration
Gabriella Anastasia Imelda Dewijanti
Department Head Deputy Department Head
Actuarial Valuation & Reporting General Services Operations
STRATEGY
Chaniago Achmad Zaini Dyah Ayu Arditya Rahmat Kurniadi Willyadi
Department Head Department Head Department Head Deputy Department Head
IT Security & Governance Data Technology IT Solution Delivery Special Project
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 111
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Profil Perusahaan
STRATEGY
Aditya Prasetyo Benedick Karuna Dedik Yulianto Indra Dharmajaya
Deputy Department Head Deputy Department Head Deputy Department Head Deputy Department Head IT
System Support Digital Marketing Digital Product Service Desk
Christine Prety Ballerena Nathania Djoko Perdana
Deputy Department Deputy Department Deputy Department Head
Head Business Strategy & Head Business Strategy & Digital Partnership
Performance Transformation
OPERATION
Dedi Susilo Putut Haryo Pangasto Berry Fernando Gultom Shandy Maulana
Department Head Department Head General Department Head Claim Department Head Claim
Customer Service Central Processing General Motor Vehicle General Non-Motor Vehicle 1
112 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
OPERATION
Mathias Elsson Muhammad Farhan William Kusmono dr. Doddy Eka Pratama
Department Head Claim General Ilhamy Department Head Health Department Head Health Claim
Non-Motor Vehicle 2 Department Head Health Underwriting
Central Processing
Pondi Pratama Edhita Ayu Trihapsari Imitatio Kristo
Department Head Risk Wibowo Notosantoso Konstantino
Engineering & Portfolio Analysis Department Head Deputy Department Head
Marine & Miscellaneous Treaty & Data Analytic
COMMERCIAL
Leviano Winoto Kiki Melina Afrilina Arifin Muharom Febriyanto
Department Head Financial Department Head Account Department Head Account Department Head Brokers 2
Institution Development 1 Development 2
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 113
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Profil Perusahaan
COMMERCIAL
Putri Citra Mentari Ekasari Tapatab Nico Dean Andres Feby Suandari
Deputy Department Head Retail Deputy Department Head Panggabean Deputy Department Head
Business Unit Corporate Relation 1 Deputy Department Head Property & Engineering Business
Coporate Relation 1 Unit Commercial
Janto Rivai Rahardjo M. Dzulfiqar Zaharsyah S. Abed Setio Gusti
Deputy Department Head Deputy Department Head Deputy Department Head
Property & Engineering Business Brokers 1 Marketing Communication
Unit Engineering
Phang Mohamad Hasan Roslinda Damanik
Deputy Department Head Deputy Department Head
Corporate Relation 2 Retail Health
114 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
INTERNAL AUDIT & COMPLIANCE
Samuel Hidayat Satini Kartika Sari Ivo Santri Lubis Nadia Erlikasna Br. Pandia
Department Head Department Head Department Head Legal Department Head Enterprise
Internal Audit Unit Corporate Secretary Risk Management
TALENT MANAGEMENT
Anastasia
Department Head Talent Management
BRANCHES & NETWORK
Yosef Sonjaya, S. IP Nur Intan Amalia Argyantoro Yudha P. Arjun Hadian Giri
Branch Manager Bandung Branch Manager Cikarang Branch Manager Karawaci Pamungkas
Representative Office Head
Palembang
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 115
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Profil Perusahaan
BRANCHES & NETWORK
I Gde Wira Arnaya Heryanto Aryan Palobo Muhammad Bagus Aditya Awal Kurniawan
Representative Office Head Representative Office Head Priambodro Representative Office Head
Denpasar Balikpapan Representative Office Head Semarang
Makassar
Raihan Prasetyo Sefira Gendis Kusandaru Tri Bayu Mukti Wibowo
Marketing Head Jakarta Marketing Head Jakarta Marketing Head Surabaya
Riki Agustian Miftahul Ilmi
Marketing Head Bandung Marketing Head Karawaci
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Company Profile
Sumber Daya Manusia
Human Resources
Dalam industri asuransi, peran Sumber Daya Manusia (SDM) In the insurance industry, Human Resources (HR) plays a vital
sangat penting sebagai ujung tombak dalam memberikan role as the frontline in delivering the best possible services
layanan terbaik kepada nasabah. Kualitas SDM yang kompeten to customers. The quality of competent and professional
dan profesional tidak hanya menentukan kelancaran HR not only determines operational effectiveness,
operasional, tetapi juga membangun kepercayaan nasabah but also builds customer trust, which is a key asset in
yang menjadi aset utama dalam bisnis asuransi. Karyawan the insurance business. Well-trained LGI’s employees are
LGI yang terlatih dengan baik mampu memahami kebutuhan able to understand customers’ needs in depth, enabling
nasabah secara mendalam, sehingga dapat memberikan them to provide appropriate and personalized protection
solusi perlindungan yang tepat dan personal. Dengan solutions. Accordingly, the development of capabilities and
demikian, pengembangan kemampuan dan peningkatan the continuous enhancement of HR competencies remain
kompetensi SDM menjadi fokus utama dalam menjaga daya a primary focus in maintaining the Company’s competitiveness
saing dan keberlanjutan Perseroan. and long-term sustainability.
Selain keahlian teknis, SDM di LGI juga dituntut untuk memiliki In addition to technical expertise, LGI’s HR is also expected
integritas, empati, dan kemampuan komunikasi yang baik to demonstrate integrity, empathy, and strong communication
agar mampu menjalin hubungan yang kuat dengan nasabah. skills in order to build lasting relationships with customers.
Dalam lingkungan yang penuh tantangan dan perubahan In an environment marked by rapid change and increasing
cepat, adaptabilitas dan semangat inovasi dari setiap individu challenges, adaptability and an innovative mindset among
menjadi kunci untuk menghadapi dinamika pasar asuransi. employees are key to navigating the insurance market’s
Oleh karena itu, LGI terus mendorong program pelatihan dan dynamics. Therefore, LGI continuously promotes training and
pembinaan agar seluruh karyawan dapat tumbuh bersama development programs to ensure that all employees grow
Perseroan, memberikan kontribusi optimal, dan memastikan alongside the Company, contribute optimally, and consistently
layanan yang unggul serta terpercaya bagi setiap nasabah. deliver superior and reliable services to every customer.
Komposisi SDM HR Composition
Pada tahun 2025, jumlah karyawan Perseroan mencapai In 2025, the Company employed a total of 512 employees,
512 orang, meningkat 9 orang atau 1,75% dibandingkan representing an increase of 9 employees or 1.75% compared
dengan tahun 2024 sebanyak 503 orang. Kondisi ini terutama to that of 2024 amounting to 503 employees. This change
dipengaruhi oleh realisasi Manpower Planning (MPP) yang was primarily influenced by the realization of the Manpower
selaras dengan kebutuhan SDM Perseroan. Informasi lebih Planning (MPP), which aligns with the Company’s HR
lengkap mengenai komposisi karyawan Perseroan diuraikan requirements. More detailed information on the composition
sebagai berikut. of the Company’s workforce is outlined below.
Jumlah Karyawan berdasarkan Gender
Total Employee based on Gender
Pria / Male Pria / Male
232 226
2025 2024
Wanita / Wanita /
Female Female
280 277
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 117
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Profil Perusahaan
Jumlah Karyawan berdasarkan Usia
Total Employee based on Age
>55 Tahun / >55 Tahun /
18-24 Tahun / Years Old 18-24 Tahun /
Years Old
Years Old Years Old
1 71 - 74
45-55 Tahun / 45-55 Tahun /
Years Old Years Old
52 48
2025 2024
35-44 Tahun /
35-44 Tahun / 25-34 Tahun / Years Old
Years Old Years Old 25-34 Tahun /
112 106 Years Old
276
275
Jumlah Karyawan berdasarkan Status Kepegawaian
Total Employee based on Employment Status
Karyawan Kontrak / Karyawan Kontrak /
Contract Employee Contract Employee
127 144
2025 2024
Karyawan Tetap / Karyawan Tetap /
Permanent Employee Permanent Employee
385 359
Jumlah Karyawan berdasarkan Penempatan Kerja
Total Employee based on Work Location
Kantor Pusat / Kantor Pusat /
Head Office Head Office
76 81
2025 2024
Kantor di Luar Kantor di Luar
Kantor Pusat / Kantor Pusat /
Office Outside Office Outside
Head Office Head Office
436 422
118 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Jumlah Karyawan berdasarkan Pendidikan
Total Employee based on Education
SMA / High School SMA / High School
Magister / Magister /
Post Graduate 2 Post Graduate 4
35 30
Diploma Diploma
71 74
2025 2024
Sarjana / Sarjana /
Bachelor Bachelor
404 395
Jumlah Karyawan berdasarkan Pangkat
Total Employee based on Rank
Direktur / Direktur /
Director Director
GM dan Manajer / 4 GM dan Manajer / 4
GM and Manager GM and Manager
97 94
2025 2024
Menial dan Menial dan
Officer / Officer /
Menial and Menial and
Senior Officer Officer Senior Officer Officer
153 258 142 263
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 119
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Profil Perusahaan
Budaya Kerja Work Culture
Budaya kerja LGI dibangun atas fondasi kuat yang tercermin LGI’s work culture is built on a strong foundation embodied
dalam Operation DNA, sebuah konsep yang menjadi in its Operation DNA, a guiding concept that shapes every
pedoman dalam setiap aktivitas LGI. Setiap karyawan aspect of LGI’s activities. Each employee is encouraged to act
didorong untuk berperilaku proaktif dan bertanggung proactively and responsibly, thereby creating a transparent
jawab, sehingga mampu menciptakan lingkungan kerja yang and communicative work environment. Commitment to
transparan dan komunikatif. Komitmen terhadap nasabah customers is also a core value that is consistently prioritized in
juga menjadi nilai utama yang selalu diutamakan dalam every work process, enabling LGI to deliver appropriate and
setiap proses kerja, sehingga LGI mampu menghadirkan prompt insurance solutions. The overall values and principles
solusi asuransi yang tepat dan cepat. Keseluruhan nilai dan that shape the work culture at LGI are encapsulated in its
prinsip yang membentuk budaya kerja di LGI terangkum Operation DNA, as outlined below.
dalam Operation DNA yang diuraikan sebagai berikut.
Operation DNA LGI
1 7
Smart but Honest Communicate the Experience
2 8
Ready to Serve and Get Things Done Don’t Judge a Book by Its Cover
3 9
Follow SOP in Natural Way Customer is Your Friend, Not Your King
4 10 Aware about Hidden Needs, in All Service
Service Failure is Not an Option
Processes
5 11 Never Let Your Department Down Even If
Speed and Accuracy
You are Down
6 12 Implement Your Service Ethically, Live Your
Open Minded
Company’s DNA
120 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Employee Wellness Program
Employee Wellness Program
LGI secara konsisten menempatkan Employee Experience LGI consistently positions the Employee Experience Program
Program sebagai salah satu pilar strategis dalam mendukung as one of the strategic pillars supporting the Company’s
keberlanjutan kinerja Perseroan. LGI meyakini bahwa sustainable performance. LGI believes that maintaining
keseimbangan antara produktivitas kerja dan kualitas a balance between work productivity and employees’
kehidupan personal karyawan merupakan faktor penting personal wellbeing is a key factor in fostering engagement,
dalam menjaga engagement, kinerja optimal, dan budaya optimal performance, and a healthy workplace culture.
kerja yang sehat.
Sebagai bagian dari implementasi strategi tersebut, LGI As part of the implementation of this strategy, LGI introduced
menghadirkan program employee wellness LGI Ultra 2025, the LGI Ultra 2025 Employee Wellness Program, which
yang berfokus pada aktivitas olahraga bersepeda dan berlari focuses on cycling and running activities through a collective
melalui skema target dan tantangan kolektif. Program ini target and challenge scheme. The program is designed not
dirancang tidak hanya untuk mendorong gaya hidup sehat, only to promote a healthy lifestyle, but also to strengthen
tetapi juga untuk memperkuat kolaborasi lintas fungsi, cross-functional collaboration, enhance employee
meningkatkan engagement karyawan, dan membangun engagement, and cultivate a positive and productive work
budaya kerja yang positif serta produktif. culture.
Sepanjang pelaksanaan program, partisipasi karyawan Throughout the program’s implementation, employee
menunjukkan komitmen yang kuat. Secara kumulatif, participation demonstrated a strong commitment.
karyawan LGI berhasil menempuh total jarak sekitar 130.000 Cumulatively, LGI employees covered a total distance of
km selama setahun melalui aktivitas bersepeda dan berlari. approximately 130,000 kilometers over the year through
Pencapaian ini mencerminkan keberhasilan Perseroan dalam cycling and running activities. This achievement reflects
mengintegrasikan inisiatif kesehatan karyawan dengan the Company’s success in integrating employee health
strategi peningkatan produktivitas, sekaligus memperkuat initiatives with productivity enhancement strategies while
fondasi budaya kerja yang berkelanjutan. strengthening the foundation of a sustainable workplace
culture.
Sepanjang tahun 2025, LGI telah melaksanakan berbagai Throughout 2025, LGI implemented various Employee
kegiatan Program Employee Experience sebagaimana Experience Program activities, as outlined below.
diuraikan berikut.
Challenge January We Can Run 2025 merupakan inisiatif wellbeing
dengan target berlari minimal 20,25 km per minggu dan bersepeda
202,5 km per 2 minggu. Tantangan ini untuk mendorong budaya hidup
sehat, konsistensi, dan semangat kebersamaan dalam mengawali
tahun 2025 secara produktif dan penuh energi.
The January We Can Run 2025 Challenge is a wellbeing initiative with
targets of running at least 20.25 km per week and cycling 202.5 km
every two weeks. This challenge aims to encourage a healthy lifestyle,
consistency, and a spirit of togetherness as employees begin 2025
productively and energetically.
1-31 Januari 2025
January 1st-31st, 2025
We Can Run 2025
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Profil Perusahaan
Challenge Prosperity Miles 2025 digelar sepanjang bulan Februari
dengan target berlari minimal sejauh 100 km dan bersepeda sejauh
500 km, selaras dengan semangat Tahun Baru Imlek yang penuh
harapan dan kemakmuran. Program ini merefleksikan energi baru,
ketekunan, dan langkah progresif untuk membuka tahun 2025 dengan
optimisme, kesehatan yang baik, dan semangat prosperity yang
berkelanjutan.
The Prosperity Miles 2025 Challenge was held throughout February
with targets of running at least 100 km and cycling 500 km, in line with
the spirit of the Lunar New Year, which symbolizes hope and prosperity.
1-28 Februari 2025 This program reflects renewed energy, perseverance, and progressive
February 1st-28th, 2025 steps to start 2025 with optimism, good health, and a sustained spirit
of prosperity.
Prosperity Miles 2025
Challenge Runmadan in Harmony diselenggarakan selama bulan suci
Ramadan dengan target berlari minimal 50,25 km dan bersepeda
sejauh 250,5 km. Program ini tidak hanya mendorong karyawan untuk
tetap menjaga kebugaran dan konsistensi meskipun menjalankan
ibadah puasa, tetapi juga menumbuhkan semangat berbagi kepada
sesama. Seluruh total kilometer yang terkumpul dikonversikan menjadi
donasi, sebagai wujud kepedulian dan komitmen Perseroan dalam
menghadirkan nilai kebersamaan, kesehatan, dan kebermanfaatan
sosial.
The Runmadan in Harmony Challenge was organized during the holy
1-31 Maret 2025 month of Ramadan with targets of running at least 50.25 km and cycling
250.5 km. The program not only encourages employees to maintain
March 1st-31st, 2025
fitness and consistency while observing fasting, but also fosters
Runmadan in Harmony a spirit of sharing with others. The total kilometers accumulated were
converted into donations, representing the Company’s commitment to
promoting togetherness, health, and social impact.
Challenge 42Racesilience diselenggarakan pada bulan April dengan
target berlari minimal sejauh 42 km dan bersepeda sejauh 242 km
dalam rangka memperingati anniversary ke-42 LGI, yang dimulai pada
1 April 2025 sampai dengan 30 April 2025. Selaras dengan tema
Perseroan tahun 2025, yaitu Resiliensi, program ini merefleksikan
semangat ketangguhan, konsistensi, dan daya juang dalam menghadapi
setiap tantangan, sekaligus memperkuat komitmen bersama untuk
terus tumbuh dan melaju secara berkelanjutan.
The 42Racesilience Challenge was held in April with targets of
running at least 42 km and cycling 242 km to commemorate LGI’s
1-30 April 2025 42nd anniversary, which took place from April 1st to April 30th, 2025.
April 1st-30th, 2025 In line with the Company’s 2025 theme of Resilience, the program
reflects the spirit of endurance, consistency, and determination in
42Racesilience facing challenges, while strengthening the collective commitment to
continue growing and moving forward sustainably.
122 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 125
Company Profile
Challenge May Momentum berlangsung selama bulan Mei hingga
Juni 2025 dengan target berlari minimal sejauh 125 miles dan bersepeda
sejauh 525 miles. Mengusung semangat “push your limit” tantangan
kali ini bertujuan untuk membangun momentum kebugaran karyawan,
memperkuat tekad dalam mencapai tujuan, dan menumbuhkan
komunitas LGI yang kuat serta siap menghadapi tantangan, sejalan
dengan semangat resiliensi Perseroan dalam menghadapi dinamika
yang terus berkembang.
The May Momentum Challenge was conducted from May to
June 2025 with targets of running at least 125 miles and cycling
1 Mei-30 Juni 2025 525 miles. Embracing the spirit of “push your limit,” this challenge
May 1st-June 30th, 2025 aimed to build employee fitness momentum, strengthen determination
in achieving goals, and foster a strong LGI community ready to face
May Momentum challenges, in line with the Company’s resilience in navigating evolving
dynamics.
Challenge Sprint to Shine diselenggarakan pada bulan Juli 2025
dengan semangat berlari menuju target Perseroan dan bersinar
bersama. Tantangan ini didasari oleh semangat dan komitmen
karyawan untuk mencapai target Perseroan, yaitu profit sebesar
Rp78,7 miliar dan mencapai GPW sebesar Rp3,65 triliun pada tahun
2025. Inisiatif ini merefleksikan tekad untuk terus melaju dengan fokus
dan determinasi, sekaligus memperkuat budaya perusahaan yang
tangguh, kolaboratif, dan berorientasi pada pencapaian hasil.
The Sprint to Shine Challenge was held in July 2025 with the spirit
of running toward the Company’s targets and shining together.
1-31 Juli 2025 The challenge was inspired by employees’ commitment to achieving
July 1st-31st, 2025 the Company’s targets, namely profit of Rp78.7 billion and GPW of
Rp 3.65 trillion in 2025. This initiative reflects the determination to
Sprint to Shine continue moving forward with focus and dedication, while strengthening
a corporate culture that is resilient, collaborative, and results-oriented.
Challenge Freedom in Motion, Green in Action merupakan
Charity Run dalam rangka memperingati Hari Kemerdekaan Indonesia
ke-80 sekaligus wujud komitmen terhadap keberlanjutan lingkungan.
Dalam tantangan ini, karyawan berlari minimal 45 miles (simbol tahun
kemerdekaan) dan bersepeda sejauh 178 miles (simbol tanggal dan
bulan kemerdekaan Indonesia).
Seluruh total kilometer yang terkumpul dikonversikan menjadi aksi
penanaman mangrove atas nama setiap finisher challenge. Program
ini menjadi representasi semangat kemerdekaan yang diwujudkan
melalui kontribusi nyata, mendorong Indonesia yang lebih hijau,
1-31 Agustus 2025 dan memperkuat budaya perusahaan yang peduli, kolaboratif, dan
August 1st-31st, 2025 berorientasi pada keberlanjutan.
The Freedom in Motion, Green in Action Challenge is a Charity Run
Freedom in Motion,
Green in Action organized to commemorate the 80th anniversary of Indonesia’s
Independence while demonstrating commitment to environmental
sustainability. In this challenge, employees run at least 45 miles
(symbolizing the year of independence) and cycle 178 miles (symbolizing
the date and month of Indonesia’s independence).
All accumulated kilometers are converted into mangrove tree planting
initiatives in the name of each challenge finisher. This program
represents the spirit of independence through tangible contributions,
encouraging a greener Indonesia while strengthening a corporate
culture that is caring, collaborative, and sustainability-oriented.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 123
Page 126
Profil Perusahaan
Challenge Insurun 2025 diselenggarakan pada bulan September dan
Oktober 2025 dalam rangka memperingati Hari Olahraga Nasional dan
Hari Asuransi, dengan mengusung tema “Celebrate Health, Protection,
and Togetherness”. Tantangan ini menegaskan bahwa gaya hidup
sehat merupakan salah satu bentuk perlindungan terbaik bagi masa
depan dan olahraga teratur merupakan langkah nyata untuk menjaga
kesehatan serta kesejahteraan.
Dalam tantangan ini, karyawan ditantang berlari sejauh 150 km
dan bersepeda sejauh 450 km. Inisiatif ini merefleksikan komitmen
Perseroan dalam mengintegrasikan nilai kesehatan, perlindungan,
15 September- dan kebersamaan, sekaligus memperkuat budaya kerja yang aktif,
31 Oktober 2025 preventif, dan berkelanjutan.
September 15th-
October 31st, 2025 The Insurun 2025 Challenge was held in September and
October 2025 to commemorate National Sports Day and Insurance
Insurun 2025 Day, under the theme “Celebrate Health, Protection, and Togetherness.”
This challenge emphasizes that a healthy lifestyle is one of the best
forms of protection for the future, and that regular exercise represents
a tangible step toward maintaining health and wellbeing.
In this challenge, employees were encouraged to run 150 km and
cycle 450 km. This initiative reflects the Company’s commitment to
integrating the values of health, protection, and togetherness while
strengthening an active, preventive, and sustainable workplace culture.
Challenge Hero Race diselenggarakan untuk memperingati Hari
Pahlawan pada 10 November 2025 dengan mengusung tema
“Spirit of Hero, Spirit of Success”. Program ini mengajak karyawan untuk
meneladani semangat juang para pahlawan yang pantang menyerah,
penuh dedikasi, dan berani menghadapi tantangan dalam mencapai
target Perseroan.
Dalam tantangan ini, karyawan berlari sejauh 50 miles dan bersepeda
sejauh 150 miles. Inisiatif ini merefleksikan komitmen bersama untuk
terus melangkah dengan semangat kepahlawanan, memperkuat
daya juang, dan mendorong pencapaian kinerja yang unggul serta
5-30 November 2025 berkelanjutan.
November 5th-30th, 2025
The Hero Race Challenge was organized to commemorate Heroes’
Hero Race Day on November 10th, 2025, under the theme “Spirit of Hero,
Spirit of Success.” The program encourages employees to emulate
the perseverance, dedication, and courage of national heroes in
overcoming challenges and achieving the Company’s targets.
In this challenge, employees ran 50 miles and cycled 150 miles.
The initiative reflects a shared commitment to moving forward with
a spirit of heroism, strengthening resilience, and driving superior and
sustainable performance achievements.
124 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Challenge Miles for Wishes, We Run for Sumatra mengusung tema
“Resilience in Every Step, Hope in Every Mile”. Bagi LGI, resiliensi bukan
sekadar nilai, melainkan jati diri yang tercermin dalam setiap langkah.
Melalui tantangan berlari dan bersepeda ini, peserta mengubah
kekuatan menjadi kepedulian dan energi menjadi harapan.
Setiap kilometer yang terkumpul akan dikonversi dalam bentuk donasi
dan didedikasikan untuk membantu korban banjir dan bencana alam
di Pulau Sumatra. Program ini merefleksikan komitmen Perseroan
dalam menghadirkan empati, solidaritas, dan aksi nyata, sekaligus
memperkuat semangat kebersamaan dan ketangguhan dalam
9-31 Desember 2025
menghadapi berbagai tantangan.
December 9th-31st, 2025
The Miles for Wishes, We Run for Sumatra Challenge carries the theme
Miles for Wishes, We Run for “Resilience in Every Step, Hope in Every Mile.” For LGI, resilience is not
Sumatra merely a value but a defining identity reflected in every step. Through
this running and cycling challenge, participants transform strength into
compassion and energy into hope.
Every kilometer accumulated is converted into donations dedicated
to supporting victims of floods and natural disasters on the island of
Sumatra. This program reflects the Company’s commitment to fostering
empathy, solidarity, and meaningful action, while strengthening
the spirit of togetherness and resilience in facing various challenges.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 125
Page 128
Profil Perusahaan
Komposisi Pemegang Saham
Shareholders Composition
31 Desember 2025 31 Desember 2024
December 31st, 2025 December 31st, 2024
Pemegang Jumlah Saham Jumlah Saham
Saham (Lembar (Lembar
Nilai Nominal Kepemilikan Nilai Nominal Kepemilikan
Shareholders Saham) Saham)
Nominal Value Ownership Nominal Value Ownership
Total Shares (Rp) (%) Total Shares (Rp) (%)
(Shares) (Shares)
Kepemilikan Saham 5% atau Lebih dari 5% / 5% or More than 5% Share Ownership
Hanwha General
1.845.000.000 92.250.000.000 61,50 447.000.000 22.350.000.000 14,90
Insurance Co. Ltd.
PT Inti Anugerah
543.000.000 27.150.000.000 18,10 690.000.000 34.500.000.000 23,00
Pratama
PT Hanwha
Life Insurance 385.927.000 19.296.350.000 12,86 1.783.927.000 89.196.350.000 59,46
Indonesia
Kepemilikan Saham Kurang dari 5% / Less than 5% Share Ownership
Masyarakat
226.073.000 11.303.650.000 7,54 79.073.000 3.953.650.000 2,64
Public
Jumlah
300.000.000 150.000.000.000 100,00 3.000.000.000 150.000.000.000 100,00
Total
Komposisi Kepemilikan Saham Dewan Board of Commissioners and Board of
Komisaris dan Direksi Directors Share Ownership Composition
Kebijakan Pengungkapan Informasi Information Disclosure Policy
Mengacu pada Peraturan OJK No. 4 Tahun 2024 tentang Referring to OJK Regulation No. 4 of 2024 on Report
Laporan Kepemilikan atau Setiap Perubahan Kepemilikan of Ownership or Any Changes in Share Ownership of
Saham Perusahaan Terbuka dan Laporan Aktivitas Public Company and Report of Pledging Shares of Public
Penjaminan Saham Perusahaan Terbuka, setiap anggota Companies, each member of the Board of Commissioners and
Dewan Komisaris dan Direksi diwajibkan untuk melaporkan Board of Directors is required to report to Financial Services
kepada Otoritas Jasa Keuangan paling lambat 5 hari kerja Authority no later than 5 business days after the occurrence
sejak terjadinya kepemilikan, perubahan kepemilikan, atau of share ownership, changes in share ownership, or pledging
aktivitas penjaminan saham Perseroan. Kewajiban pelaporan of shares of the Company. This reporting obligation reflects
ini diterapkan sebagai bentuk komitmen terhadap prinsip the Company’s commitment to the principles of transparency
transparansi dan akuntabilitas, sekaligus memastikan bahwa and accountability, while ensuring that information regarding
informasi terkait kepemilikan saham oleh pihak internal share ownership by internal parties is adequately disclosed
tersedia secara memadai bagi publik dan seluruh pemangku to the public and all stakeholders.
kepentingan.
Pengungkapan Kepemilikan Saham Share Ownership Disclosure
Dalam kaitannya dengan kepemilikan saham Perseroan, With respect to the Company’s share ownership, all
seluruh anggota Dewan Komisaris dan Direksi telah members of the Board of Commissioners and Board of
menandatangani surat pernyataan yang menegaskan bahwa Directors have signed a statement confirming that none of
tidak ada satu pun dari anggota Dewan Komisaris dan Direksi the members of the Board of Commissioners and Board of
yang memiliki saham pada Perseroan dengan kepemilikan Directors owns 5% or more of the Company’s shares. These
sebesar 5% atau lebih. Pernyataan ini dibuat sesuai dengan statements were made in accordance with the provisions
ketentuan yang diatur dalam Pasal 16 (a) dan Pasal 27 stipulated in Article 16 (a) and Article 27 of OJK Regulation
Peraturan OJK No. 73/POJK.05/2016 tentang Tata Kelola No. 73/POJK.05/2016 on the Implementation of Good
Perusahaan yang Baik bagi Perusahaan Perasuransian. Corporate Governance for Insurance Companies. The dates
126 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Company Profile
Adapun tanggal penandatanganan surat pernyataan oleh of execution of the statements by each member of the Board
masing-masing anggota Dewan Komisaris dan Direksi of Commissioners and Board of Directors are as follows.
diuraikan sebagai berikut.
Dewan Komisaris: Board of Commissioners:
Park Young Mock1) : 29 Desember 2025 Park Young Mock1) : December 29th, 2025
Roberto Fernandez Feliciano 2) : 25 November 2025 Roberto Fernandez Feliciano : November 25th, 2025
2)
Hyacintus Henri Djantoko : 25 November 2025 Hyacintus Henri Djantoko : November 25th, 2025
Sapto Wahyu Indratno3) : 29 Desember 2025 Sapto Wahyu Indratno 3)
: December 29th, 2025
Direksi: Board of Directors:
Agus Benjamin : 29 Desember 2025 Agus Benjamin : December 29th, 2025
Choi Hyunhee : 29 Desember 2025 Choi Hyunhee : December 29th, 2025
Kwon Gi Han : 29 Desember 2025 Kwon Gi Han : December 29th, 2025
Gilbert Deddy Naibaho : 29 Desember 2025 Gilbert Deddy Naibaho : December 29th, 2025
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner as of December 15th, 2025.
2)
Efektif menjabat sebagai Komisaris sejak tanggal 1 September 2025. / Effectively serving as Commissioner as of September 1st, 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner as of December 15th, 2025.
Dengan demikian, sepanjang tahun 2025, seluruh anggota Accordingly, throughout 2025, all members of the Board of
Dewan Komisaris dan Direksi secara resmi menyatakan Commissioners and Board of Directors formally declared
bahwa tidak memiliki saham Perseroan dengan kepemilikan that they did not own Company shares amounting to 5% or
sebesar 5% atau lebih, baik secara langsung maupun tidak more, either directly or indirectly.
langsung.
Komposisi Pemegang Saham berdasarkan Kelompok
Shareholders Composition based on Group
31 Desember 2025 31 Desember 2024
December 31st, 2025 December 31st, 2024
Pemegang Jumlah Jumlah Saham Jumlah
Saham Jumlah Saham
Pemegang (Lembar Saham) Kepemilikan Pemegang Kepemilikan
Shareholders (Lembar Saham)
Saham Number of Ownership Saham Ownership
(%) Total Shares (%)
Number of Shares Number of
(Shares)
Shareholders (Shares) Shareholders
Institusi Nasional
9 1.096.608.800 36,55 6 2.494.007.000 83,13
National Institution
Institusi Asing
6 1.846.851.500 61,57 7 450.609.500 15,02
Foreign Institution
Perorangan
Nasional 688 56.110.300 1,87 601 55.042.500 1,83
National Individual
Perorangan Asing
11 429.400 0,01 5 341.000 0,01
Foreign Individual
Jumlah
714 3.000.000.000 100,00 619 3.000.000.000 100,00
Total
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 127
Page 130
Profil Perusahaan
Pemegang Saham Utama dan Pengendali
Main and Controlling Shareholders
PT Hanwha Life Insurance Hanwha General Masyarakat (di Bawah 5%)
PT Inti Anugerah Pratama
Indonesia Insurance Co. Ltd. Public (Under 5%)
12,86% 18,10% 61,50% 7,54%
PT Lippo General Insurance Tbk
Data per 31 Desember 2025. / Data as of December 31st, 2025.
Pada tanggal 29 Desember 2025, telah dilaksanakan On December 29th, 2025, a partial transfer of
pengalihan sebagian saham Perseroan dari PT Hanwha Life the Company’s shares was carried out from PT Hanwha Life
Insurance Indonesia kepada Hanwha General Insurance Co. Insurance Indonesia to Hanwha General Insurance Co., Ltd.
Ltd. Pengalihan tersebut mencakup sebanyak 1.398.000.000 The transfer comprised 1,398,000,000 shares of
saham Perseroan atau setara dengan 46,60% dari modal the Company, representing 46.60% of the issued and paid-
ditempatkan dan disetor, dengan nilai nominal sebesar up capital, with a nominal value of Rp914,292,000,000.00.
Rp914.292.000.000,00. Setelah pelaksanaan pengalihan Following the completion of the share transfer, it was
saham tersebut, Hanwha General Insurance Co. Ltd. tercatat recorded that Hanwha General Insurance Co., Ltd. owns
memiliki sebanyak 1.845.000.000 saham Perseroan atau 1,845,000,000 shares of the Company, equivalent to
setara dengan 61,50% dari modal ditempatkan dan disetor 61.50% of the Company’s issued and paid-up capital.
Perseroan.
Kronologi Pencatatan Saham
Listing of Shares Chronology
Jumlah Saham Jumlah Saham
yang Ditawarkan Harga Beredar
Penawaran Nilai Nominal Bursa
Uraian Rasio (Lembar Saham (Lembar Saham)
Per Value Pencatatan
Description Ratio Total Shares Offering Price Total Issued
(Rp) Stock Exchange
Offered (Rp) Share
(Shares) (Shares)
Saham Pendiri
- 99.000.000 - 500 99.000.000 -
Founder Shares
22 Juli 1997 Penawaran
Umum Saham Perdana Bursa Efek Indonesia
Perseroan - 51.000.000 2.225 500 150.000.000 Indonesia Stock
July 22nd, 1997 Initial Exchange
Public Offering
128 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 131
Company Profile
Jumlah Saham Jumlah Saham
yang Ditawarkan Harga Beredar
Penawaran Nilai Nominal Bursa
Uraian Rasio (Lembar Saham (Lembar Saham)
Per Value Pencatatan
Description Ratio Total Shares Offering Price Total Issued
(Rp) Stock Exchange
Offered (Rp) Share
(Shares) (Shares)
3 Agustus 2022 Pembagian
Saham Bonus Bursa Efek Indonesia
- 150.000.000 - 500 300.000.000 Indonesia Stock
August 3rd, 2022 Exchange
Distribution of Bonus Shares
19 September 2024
Pemecahan Nilai Nominal Bursa Efek Indonesia
Saham (Stock Split) 1:10 - - 50 3.000.000.000 Indonesia Stock
September 19th, 2022 Exchange
Stock Split
Kronologi Pencatatan Efek Lainnya
Chronological Listing of Other Securities
Sampai dengan akhir tahun 2025, Perseroan tidak Until the end of 2025, the Company did not issue securities
menerbitkan efek selain saham, baik dalam bentuk obligasi, other than shares, either in the form of bonds, convertible
obligasi konversi, maupun sukuk. Dengan demikian, tidak bonds, or sukuk. Accordingly, there is no information to
terdapat informasi mengenai nama efek, tahun penerbitan, disclose regarding the name of securities, year of issuance,
tingkat suku bunga/imbal hasil, tanggal jatuh tempo, nilai interest rate/yield, maturity date, offering value, and credit
penawaran, dan peringkat efek. rating of securities.
Daftar Entitas Anak, Perusahaan Asosiasi,
dan Perusahaan Ventura
List of Subsidiaries, Associated Companies, and Joint Ventures
Sampai dengan akhir tahun 2025, Perseroan tidak memiliki Until the end of 2025, the Company did not have any
Entitas Anak, Perusahaan Asosiasi, dan Perusahaan Ventura. Subsidiaries, Associated Companies, and Joint Ventures.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 129
Page 132
Profil Perusahaan
Lembaga dan Profesi Penunjang Pasar Modal
Capital Market Supporting Institutions and Professions
Biro Administrasi Efek
Securities Administration Bureau
Nama Periode Biaya
Name Period Fee
PT Sharestar Indonesia 2025 Rp37.605.000,00
(termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
SOPO DEL Office Tower Tower B, 18th Biro administrasi efek, pengelolaan administrasi saham pasar sekunder,
Floor Jl. Mega Kuningan Barat III administrasi pembayaran dividen final, serta biaya penyusunan dan
Lot 10.1-6 Kawasan Mega Kuningan pelaporan kepada Otoritas Jasa Keuangan serta Bursa Efek Indonesia.
Jakarta Selatan 12190 - Indonesia Securities administration bureau, secondary market share administration
management, final dividend payment administration, and costs of
preparation and reporting to the Financial Services Authority and
Indonesian Stock Exchange.
Kantor Akuntan Publik
Public Accounting Firm
Nama Periode Biaya
Name Period Fee
KAP Suharli, Sugiharto & Rekan 2025 Jasa Audit / Audit Services:
Rp1.000.000.000,00 (termasuk PPN /
including VAT)
Jasa Non-Audit / Non-Audit Services:
-
Alamat Jasa yang Diberikan
Address Services Provided
UOB Plaza 34th Floor Jasa Audit / Audit Services:
Jl. M.H. Thamrin Kav. 8-10 Audit Laporan Keuangan Perseroan.
Jakarta Pusat 10230 - Indonesia Audit of the Company’s Financial Statements.
Jasa Non-Audit / Non-Audit Services:
Tidak ada.
None.
Kantor Jasa Penilai Publik
Public Appraisal Services Office
Nama Periode Biaya
Name Period Fee
Kantor Jasa Penilai Publik Areyanti 2025 Rp36.824.325,00
Areyanti Public Appraisal Office (termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
Graha Al Badegel Lt. 2 Penilaian Properti.
Jl. Hj. Tutty Alawiyah No. 7, Property Valuation.
Pancoran Jakarta Selatan 12740 -
Indonesia
130 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 133
Company Profile
Notaris
Notary
Nama Periode Biaya
Name Period Fee
Sriwi Nawana Bawaksari, SH, MKn 2025 Rp31.687.500,00
(termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
Ruko L’Agricola Blok B No. 21, Gading Pembuatan akta RUPS Tahunan dan RUPS Luar Biasa.
Serpong Tangerang 15810 - Indonesia Preparation of deed of Annual GMS and Extraordinary GMS.
Bursa Efek
Stock Exchange
Nama Periode Biaya
Name Period Fee
Bursa Efek Indonesia 2025 Rp302.500.000,00
Indonesia Stock Exchange (termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
Gedung Bursa Efek Indonesia Tower 1 Pencatatan saham tahunan.
Jl. Jenderal Sudirman Kav. 52-53 Listing of annual shares.
Jakarta Selatan 12190 - Indonesia
Regulator
Nama Periode Biaya
Name Period Fee
Otoritas Jasa Keuangan 2025 Rp1.520.397.530,00
Financial Services Authority (termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
Otoritas Jasa Keuangan (Pasar Modal) Otoritas Jasa Keuangan (Asuransi) Pengaturan dan pengawasan
Financial Services Authority (Capital Financial Services Authority kegiatan usaha Perseroan.
Market) (Insurance) Regulation and supervision of the
Gedung Soemitro Djojohadikusumo Wisma Mulia 2 Company’s business activities.
Jl. Lapangan Banteng Timur 2-4 Jl. Jenderal Gatot Subroto Kav. 42
Pasar Baru, Sawah Besar Jakarta Selatan 12710 - Indonesia
Jakarta Pusat 10710 - Indonesia
Regulator
Nama Periode Biaya
Name Period Fee
Kustodian Sentral Efek Indonesia 2025 Rp36.075.000,00
Indonesia Central Securities Depository (termasuk PPN / including VAT)
Alamat Jasa yang Diberikan
Address Services Provided
Gedung Bursa Efek Jakarta Biaya tahunan security saham dan biaya penyelenggaraan fasilitas e-RUPS.
Tower 1, 5th Floor Annual cost of shares security and the cost of organizing e-GMS facility.
Jl. Jenderal Sudirman Kav. 52-53
Jakarta Selatan 12190 - Indonesia
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 131
Page 134
Profil Perusahaan
Akses Informasi dan Data Perusahaan
Access of Information and Company’s Data
Akses informasi dan data Perseroan merupakan penunjang Access to the Company’s information and data serves as an
kelancaran operasional dan pengambilan keputusan enabler of smooth operations and informed decision-making
yang tepat dari pemangku kepentingan. Dengan sistem by stakeholders. Through integrated and easily accessible
yang terintegrasi dan mudah diakses, seluruh pemangku systems, stakeholders are able to obtain important data
kepentingan dapat memperoleh data penting secara cepat quickly and accurately, thereby enhancing operational
dan akurat, sehingga meningkatkan efisiensi kerja serta efficiency and transparency across the Company’s business
transparansi dalam berbagai proses bisnis Perseroan. process. Effective management of information access also
Pengelolaan akses informasi yang baik juga menjaga maintains data security while ensuring that each party
keamanan data sekaligus memastikan bahwa setiap pihak receives information in accordance with its respective needs
mendapatkan informasi sesuai kebutuhan dan tanggung and responsibilities. Stakeholders can access the Company’s
jawabnya. Para pemangku kepentingan diberikan media updated information and data through various channels as
untuk mengakses informasi dan data Perseroan terkini listed below.
melalui berbagai kanal berikut.
Sekretaris Perusahaan +62 21 525 6161
Corporate Secretary
Lippo Kuningan Building 27th Floor, Unit A & F corporate.secretary@lgi.co.id
Jl. H.R. Rasuna Said Kav. B - 12
Jakarta Selatan 12940 - Indonesia
www.lgi.co.id
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Company Profile
Wilayah Operasional
Operational Area
Keterangan / Notes:
1 Medan 8 Semarang
2 Pekanbaru 9 Solo
3 Palembang 10 Surabaya
4 Karawaci 11 Bali
5 Jakarta 12 Balikpapan
6 Cikarang 13 Makassar
7 Bandung
1
2
12
3
13
4.5
6
8
7 9 10
11
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Profil Perusahaan
Alamat Kantor dan Layanan
Office Address and Services
Alamat Kantor
Office Address
Kantor Pusat Kantor Pusat Operasional
Head Office Operational Head Office
Lippo Kuningan Building 27th Floor, Unit A & F Karawaci Office Park, Block I, Unit 30 - 35
Jl. H.R. Rasuna Said Kav. B - 12 Lippo Village, Tangerang 15139 - Indonesia
Jakarta Selatan 12940 - Indonesia
: +62 21 525 6161 : +62 21 5579 0683
: secretariat@lgi.co.id
jakarta@lgi.co.id
Kantor Cabang dan Kantor Pemasaran (Kantor di Luar Kantor Pusat)
Branch Offices and Marketing Offices (Office Outside Head Office)
Karawaci Bali
Karawaci Office Park, Block A, Unit 29 Lippo Plaza Sunset 1st Floor, Unit GF 07A
Lippo Village, Tangerang 15139 - Indonesia Jl. Sunset Road No. 818, Kuta
Bali 80361 - Indonesia
: +62 21 5579 3886 : +62 361 768 635
: karawaci@lgi.co.id : denpasar@lgi.co.id
Surabaya Medan
Jl. Panglima Sudirman No. 95 Grand Palladium Mall, Ground Floor, Unit GE- No. 9 - 10
Surabaya 60271 - Indonesia Jl. Kapten Maulana Lubis No. 8
Medan 20112 - Indonesia
: +62 31 535 1619 : +62 61 456 2407
: surabaya@lgi.co.id : medan@lgi.co.id
Solo Bandung
Ruko Manahan, Block A Jl. Sunda No. 27 C
Jl. Adisucipto No. 8 Bandung 40112 - Indonesia
Solo 57139 - Indonesia
: +62 271 736 486 : +62 22 426 5021
: solo@lgi.co.id : bandung@lgi.co.id
Palembang Semarang
Palembang Square Mall Ruko Siliwangi Square
Jl. Pom IX Kanto R - 121 Jl. Jenderal Sudirman No. 322 Kav. 7
Palembang 30137 - Indonesia Semarang 50149 - Indonesia
: +62 711 321 444 : +62 24 762 6744
: palembang@lgi.co.id : semarang@lgi.co.id
Pekanbaru Cikarang
Surya Dumai Building, 3rd Floor Ruko Robsons Square
Jl. Jenderal Sudirman No. 395 Jl. M.H. Thamrin, Block C, Unit 18
Pekanbaru 28116 - Indonesia Lippo Cikarang, Bekasi 17530 - Indonesia
: +62 761 392 46 : +62 21 897 4371, 897 2381
: pekanbaru@lgi.co.id : cikarang@lgi.co.id
Balikpapan Makassar
BRI Building, 7th Floor, Suite 708 B Wisma Kalla Office Building, 5th Floor, Unit 504
Jl. Jenderal Sudirman RT 26 No. 40 Jl. Dr. Ratulangi No. 8-10, Kunjungmae, Kecamatan Mariso
Balikpapan 76112 - Indonesia Makassar 90125 - Indonesia
: +62 542 736 751 : +62 411 812 0896
: balikpapan@lgi.co.id : makassar@lgi.co.id
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Company Profile
Layanan
Services
24-Hour Contact Center Chatbot Livia
: 1 500 563
: contact.center@lgi.co.id
Bengkel Rekanan Workshop Partner
LGI menjalin kerja sama dengan mitra bengkel rekanan LGI cooperates with partner workshops that are selectively
yang dipilih secara selektif berdasarkan standar kualitas appointed based on stringent quality and service standards.
dan layanan terbaik. Hal ini bertujuan untuk memastikan This is to ensure that every vehicle repair is carried out
setiap perbaikan kendaraan dilakukan secara profesional professionally and efficiently, thereby providing maximum
dan efisien, sehingga memberikan kepuasan maksimal bagi satisfaction for customers. These partner workshops are
nasabah. Bengkel rekanan ini dilengkapi dengan tenaga ahli supported by qualified technicians and adequate facilities,
dan fasilitas yang memadai, sehingga dapat mendukung enabling them to perform vehicle maintenance and repairs
proses perawatan dan perbaikan kendaraan sesuai dengan in accordance with customer needs and prevailing industry
kebutuhan nasabah dan standar industri. standards.
Dukungan bengkel rekanan LGI terbagi menjadi 2 kategori LGI’s partner workshop support is divided into 2 main
utama, yaitu Bengkel Rekanan General yang berjumlah categories, namely General Partner Workshops totaling
143 bengkel dan Bengkel Rekanan Authorized yang 143 workshops and Authorized Partner Workshops totaling
berjumlah 135 bengkel. Kedua jenis bengkel ini tersebar 135 workshops. Both types of workshops are widely
luas di seluruh wilayah Indonesia, sehingga memungkinkan distributed across Indonesia, allowing customers in various
layanan yang cepat dan mudah dijangkau oleh nasabah di regions to access fast and convenient services.
berbagai daerah.
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Profil Perusahaan
Informasi pada Situs Web Perusahaan
Information on the Company’s Website
Situs web resmi LGI berperan sebagai media komunikasi dan LGI’s official website serves as a key communication
sumber informasi yang dapat diakses oleh publik, pemangku medium and source of information accessible to the public,
kepentingan, dan investor. Melalui platform ini, LGI menyajikan stakeholders, and investors. Through this platform, LGI
berbagai informasi yang relevan dan terkini, mulai dari Profil provides a wide range of relevant and up-to-date information,
Perusahaan, Visi dan Misi, Struktur Organisasi, hingga starting from the Company Profile, Vision and Mission,
produk dan layanan yang ditawarkan. Selain itu, situs web Organizational Structure, as well as the products and services
ini juga menjadi sarana penyampaian Laporan Keuangan, offered. In addition, the website functions as a channel
informasi keterbukaan, dan pengumuman penting lainnya for the disclosure of Financial Statements, transparency
yang mendukung prinsip transparansi serta akuntabilitas. information, and other important announcements that
Dengan tampilan yang informatif dan mudah diakses, situs support the principles of transparency and accountability.
web LGI dirancang untuk memperkuat hubungan dengan With an informative and accessible layout, LGI’s website is
masyarakat dan memudahkan pencarian informasi yang designed to strengthen public engagement and facilitate
dibutuhkan oleh berbagai pihak. access to the information required by various parties.
Mengacu pada Peraturan OJK No. 8/POJK.04/2015 tentang Referring to OJK Regulation No. 8/POJK.04/2015 on
Situs Web Emiten atau Perusahaan Publik, LGI memastikan the Websites of Issuers or Public Companies, LGI ensures
bahwa situs web telah memenuhi seluruh kriteria dan standar that its website complies with all prescribed criteria and
yang ditetapkan. Situs web ini secara berkala diperbarui standards. The website is updated regularly to provide
untuk menyajikan informasi yang akurat dan relevan bagi accurate and relevant information to stakeholders. In
para pemangku kepentingan. Sesuai dengan peraturan accordance with the regulation, LGI’s website comprises
tersebut, situs web LGI mencakup 4 bagian utama, yaitu: 4 main sections, as follows:
1. Informasi umum emiten atau perusahaan publik; 1. General information of the issuer or public company;
2. Informasi bagi pemodal atau investor; 2. Information for investors;
3. Informasi tata kelola perusahaan; serta 3. Information on corporate governance; and
4. Informasi tanggung jawab sosial perusahaan. 4. Information on corporate social responsibility.
7 1
Hubungi Kami
Home
Contact Us
6 Tentang 2
Karir
Kami
Career
About Us
Klaim Info Produk
Claim Product Info
Layanan
5 Service
3
4
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Company Profile
Uraian Ketersediaan Keterangan
Description Availability Remarks
Terdapat pada halaman Tentang Kami > More About Us > Struktur
Informasi Pemegang Saham sampai dengan Kepemilikan Saham.
Pemilik Akhir Individu
Shareholders Information until Individual Level Can be found in the About Us > More About Us > Share Ownership
Structure.
Terdapat pada halaman Tentang Kami > More About Us > Laporan
Laporan Tahunan
Tahunan.
Annual Reports
Can be found in the About Us > More About Us > Annual Reports.
Terdapat pada halaman Tentang Kami > More About Us > Laporan
Laporan Keuangan
Keuangan.
Financial Statements
Can be found in the About Us > More About Us > Financial Statements.
Akuntan Publik Terdapat pada halaman Tentang Kami > More About Us > Akuntan Publik.
Public Accountant Can be found in the About Us > More About Us > Public Accountant.
Terdapat pada halaman Tentang Kami > More About Us > Informasi bagi
Rapat Umum Pemegang Saham Pemegang Saham > Rapat Umum Pemegang Saham.
General Meeting of Shareholder Can be found in the About Us > More About Us > Information for
the Shareholders > General Meeting of Shareholders.
Terdapat pada halaman Tentang Kami > More About Us > Informasi bagi
Informasi Dividen Pemegang Saham > Keterbukaan Informasi > Informasi Dividen.
Dividend Information Can be found in the About Us > More About Us > Information for
the Shareholders > Information Disclosure > Dividend Information.
Terdapat pada halaman Tentang Kami > More About Us > Informasi bagi
Ikhtisar Keuangan Pemegang Saham > Keterbukaan Informasi > Ikhtisar Keuangan.
Financial Highlights Can be found in the About Us > More About Us > Information for
the Shareholders > Information Disclosure > Financial Highlights.
Terdapat pada halaman Tentang Kami > More About Us > Tata Kelola
Isi Pedoman Etika dan Perilaku Perusahaan.
Content of the Code of Conduct Can be found in the About Us > More About Us > Good Corporate
Governance.
Terdapat pada halaman Tentang Kami > More About Us > Profil Komisaris
Profil Dewan Komisaris dan Direksi dan Direksi.
Board of Commissioner and Board of
Directors’ Profile Can be found in the About Us > More About Us > Board of Commissioner
and Board of Directors’ Profile.
Piagam Dewan Komisaris dan Direksi, serta Terdapat pada halaman Tentang Kami > More About Us > Tata Kelola
Komite Pendukung Perusahaan.
Charter of the Board of Commissioner, Board Can be found in the About Us > More About Us > Good Corporate
of Directors, and Supporting Committee Governance.
Terdapat pada halaman Tentang Kami > More About Us > Tanggung
Tanggung Jawab Sosial Perusahaan Jawab Sosial.
Corporate Social Responsibility Can be found in the About Us > More About Us > Corporate Social
Responsibility.
Tidak hanya melalui situs web resmi, LGI juga menyediakan In addition to its official website, LGI also provides important
informasi penting terkait saham dan permodalan bagi information related to its shares and capital structure for
publik dan investor. Informasi tersebut dapat diakses the public and investors. Such information is transparently
secara transparan melalui situs resmi Bursa Efek Indonesia accessible through the official website of the Indonesia Stock
di www.idx.co.id. Dengan mengakses kode saham LPGI, para Exchange at www.idx.co.id. By accessing the stock code
pemangku kepentingan dapat memantau perkembangan LPGI, stakeholders can regularly monitor the Company’s
kinerja Perseroan, Laporan Keuangan, hingga aksi korporasi performance developments, Financial Statements, and
secara berkala. corporate actions.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 137
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ANALISIS DAN PEMBAHASAN MANAJEMEN Management Discussion and Analysis 138 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 139
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Analisis dan Pembahasan Manajemen
Tinjauan Ekonomi dan Industri
Economy and Industry Overview
Perekonomian Global Global Economy
Perekonomian global pada tahun 2025 berada dalam The global economy in 2025 was overshadowed by
bayang-bayang ketidakpastian yang semakin kompleks. increasingly complex uncertainty. The intensifying trade
Intensitas perang dagang yang meningkat telah menekan war has exerted pressure on international trade flows and
arus perdagangan internasional dan memicu gangguan triggered disruptions in the global supply chains. Unilateral
pada rantai pasok global. Kebijakan tarif sepihak yang tariff policies imposed by the United States prompted several
diberlakukan Amerika Serikat mendorong sejumlah major economies to implement retaliatory measures, further
negara besar untuk mengambil langkah balasan, sehingga escalating trade conflicts among nations. This situation
memperkuat eskalasi konflik dagang antarnegara. Situasi ini has affected not only trade volumes but has also slowed
tidak hanya berdampak pada volume perdagangan, tetapi investment expansion across various regions.¹)
juga memperlambat ekspansi investasi di berbagai kawasan.1)
Di sisi lain, ketegangan geopolitik yang belum mereda At the same time, persistent geopolitical tensions have further
turut memperburuk ketidakpastian ekonomi global. Konflik heightened global economic uncertainty. The ongoing
antara Rusia dan Ukraina yang masih berlangsung terus conflict between Russia and Ukraine continues to affect
memengaruhi stabilitas energi dan pangan global. Selain global energy and food stability. In addition, the escalation
itu, peningkatan serangan Israel ke Palestina semakin of Israel’s attacks on Palestine has added further pressure
menambah tekanan terhadap pasar keuangan internasional. to international financial markets. The combination of these
Kombinasi faktor-faktor ini menyebabkan pelemahan nilai factors has led to currency depreciation in several developing
tukar di sejumlah negara berkembang dan meningkatnya countries and increased volatility in global capital markets.¹)
volatilitas di pasar modal global.1)
International Monetary Fund memproyeksikan pertumbuhan The International Monetary Fund projects global economic
ekonomi global sebesar 3,3% sedikit lebih tinggi growth of 3.3%, slightly higher than the previous year’s
dibandingkan dengan tahun sebelumnya sebesar 3,2%. 3.2%. This modest increase reflects resilience in several
Peningkatan tipis ini mencerminkan adanya daya tahan di economies and the adoption of more adaptive economic
beberapa negara dan penyesuaian kebijakan ekonomi yang policy adjustments. Nevertheless, the sustainability of global
lebih adaptif. Namun demikian, keberlanjutan pertumbuhan growth remains highly dependent on geopolitical stability
tetap sangat bergantung pada stabilitas geopolitik dan and the easing of international trade tensions.²)
meredanya ketegangan perdagangan internasional.2)
Sumber: Sources:
1)
Laporan Perekonomian Indonesia 2025, Bank Indonesia; dan 1)
Indonesia Economic Report 2025, Bank Indonesia; and
2)
World Economic Outlook, International Monetary Fund. 2)
World Economic Outlook, International Monetary Fund.
Perekonomian Indonesia Indonesia’s Economy
Perekonomian Indonesia pada tahun 2025 menunjukkan Indonesia’s economy in 2025 demonstrated solid
kinerja yang solid dan tetap berdaya tahan di tengah performance and remained resilient amid global economic
dinamika serta ketidakpastian ekonomi global. Stabilitas dynamics and uncertainty. Stable macroeconomic
makroekonomi yang terjaga, daya beli masyarakat yang conditions, relatively strong household purchasing power,
relatif kuat, dan kesinambungan pembangunan infrastruktur and the continued development of infrastructure served
menjadi fondasi penting dalam menopang aktivitas ekonomi as key foundations supporting national economic activity.
nasional. Di tengah tekanan eksternal seperti perlambatan Despite external pressures, such as the slowdown in global
perdagangan global, Indonesia mampu menjaga momentum trade, Indonesia maintained its growth momentum through
pertumbuhan melalui penguatan permintaan domestik dan stronger domestic demand and improved performance
peningkatan kinerja sektor-sektor produktif.3) across productive sectors.³)
Badan Pusat Statistik (BPS) mencatat bahwa perekonomian The Central Bureau of Statistics (BPS) recorded that the
Indonesia tumbuh sebesar 5,11% meningkat dibandingkan Indonesian economy grew by 5.11%, higher than the previous
tahun sebelumnya sebesar 5,03%. Dari sisi lapangan usaha, year’s 5.03%. In terms of industry, the other services sector
sektor jasa lainnya menjadi penyumbang terbesar terhadap made the largest contribution to GDP growth, increasing by
PDB dengan pertumbuhan mencapai 9,93%, diikuti oleh 9.93%, followed by the corporate services sector at 9.10%
sektor jasa perusahaan sebesar 9,10% serta transportasi and the transportation and warehousing sector at 8.78%.
140 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
dan pergudangan sebesar 8,78%. Sementara itu, dari sisi Meanwhile, in terms of expenditure, the exports of goods and
pengeluaran, komponen ekspor barang dan jasa mencatat services component recorded the highest growth at 7.03%,
pertumbuhan tertinggi sebesar 7,03%, menunjukkan daya indicating that the competitiveness of national products in
saing produk nasional tetap terjaga di pasar internasional.4) international markets remained strong.4)
Secara keseluruhan, capaian ini menegaskan bahwa In general, these achievements underscore the resilience of
perekonomian Indonesia tetap resilien meskipun dihadapkan Indonesia’s economy despite heightened global uncertainty.
pada ketidakpastian global yang tinggi. Sinergi kebijakan Policy synergy from the government, financial sector stability,
pemerintah, stabilitas sektor keuangan, dan kontribusi and strong contributions from the service and export sectors
kuat dari sektor jasa serta ekspor menjadi penopang were the main drivers of the aforementioned growth. With
utama pertumbuhan. Dengan fondasi yang cukup kokoh, a relatively solid foundation, Indonesia has the opportunity to
Indonesia memiliki peluang untuk terus menjaga momentum sustain its growth momentum while further strengthening its
pertumbuhan secara berkelanjutan, sekaligus memperkuat economic resilience to face future external challenges.
ketahanan ekonomi dalam menghadapi berbagai tantangan
eksternal di masa mendatang.
Sumber: Sources:
3)
Laporan Perekonomian Indonesia 2025, Bank Indonesia; dan 3)
Indonesia Economic Report 2025, Bank Indonesia; and
4)
Berita Resmi Statistik, Badan Pusat Statistik. 4)
Official Statistics Release, Central Bureau of Statistics.
Kondisi Industri Asuransi Insurance Industry Condition
Kinerja sektor jasa keuangan dan asuransi pada tahun The performance of the financial services and insurance
2025 menunjukkan perlambatan dibandingkan tahun sector in 2025 experienced a slowdown compared with
sebelumnya. Berdasarkan data BPS, sektor ini tumbuh the previous year. Based on data from BPS, the sector grew
sebesar 3,96%, lebih rendah dibandingkan pertumbuhan by 3.96%, lower than the 2024 growth that reached 4.74%.
tahun 2024 yang mencapai 4,74%. Moderasi pertumbuhan This moderation reflects pressures arising from global
tersebut mencerminkan tekanan dari dinamika ekonomi economic dynamics, financial market volatility, and strategic
global, volatilitas pasar keuangan, serta penyesuaian strategi adjustments by industry players to maintain asset quality and
pelaku industri dalam menjaga kualitas aset dan profitabilitas profitability amid uncertainty.5)
di tengah ketidakpastian.5)
Meskipun secara agregat sektor jasa keuangan dan asuransi Despite the aggregate slowdown in the financial services and
mengalami perlambatan, subsektor asuransi umum justru insurance sectors, the general insurance subsector actually
menunjukkan pertumbuhan premi bruto sebesar 5,5% showed gross premium growth of 5.5%, accompanied by
yang diikuti oleh kenaikan klaim sebesar 5,4%. Kinerja ini a 5.4% increase in claims. This performance indicates that
mengindikasikan bahwa ekspansi bisnis berjalan seiring business expansion was proceeding along with adequate
dengan pengelolaan risiko yang cukup terkendali, sehingga risk management, thus not causing significant pressure on
tidak menimbulkan tekanan signifikan terhadap profitabilitas overall industry profitability. Structurally, premium growth
industri secara keseluruhan. Secara struktural, pertumbuhan was still supported by core business lines such as property,
premi masih ditopang oleh lini usaha utama seperti property, motor vehicles, and credit insurance, while several lines,
kendaraan bermotor, dan credit insurance, sementara such as offshore energy, experienced declines, reflecting the
beberapa lini seperti energi offshore mengalami penurunan dynamics of the real sector.6)
yang mencerminkan dinamika sektor riil.6)
Di sisi lain, rasio klaim industri secara agregat cenderung On the other hand, the aggregate industry claims ratio tend
stabil, menunjukkan bahwa kualitas underwriting masih to be stable, indicating that underwriting quality remained
terjaga meskipun terdapat peningkatan eksposur risiko di maintained despite risk exposure in several sectors was
beberapa lini. Namun demikian, tingkat penetrasi asuransi increasing. However, the general insurance penetration rate
umum terhadap Produk Domestik Bruto (PDB) yang masih to Gross Domestic Product (GDP), which remained at around
berada pada kisaran 0,51% menunjukkan bahwa ruang 0.51%, indicated that the industry still has ample room for
pertumbuhan industri masih sangat terbuka, khususnya growth, particularly through expanding insurance inclusion,
melalui perluasan inklusi asuransi, penguatan literasi strengthening financial literacy, and developing products that
keuangan, serta pengembangan produk yang lebih relevan are more relevant to the needs of the public and business.6)
dengan kebutuhan masyarakat dan pelaku usaha.6)
Sumber: Sources:
5)
Berita Resmi Statistik, Badan Pusat Statistik; dan 5)
Official Statistics Release, Central Bureau of Statistics; and
6)
Analisa TW IV Tahun 2025, Asosiasi Asuransi Umum Indonesia. 6)
Analysis of Q4 2025, Indonesian General Insurance Association.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 141
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Analisis dan Pembahasan Manajemen Tinjauan Operasional Operational Overview Perseroan membagi klasifikasi segmen usaha sesuai dengan The Company classifies its business segments in accordance ketentuan Pernyataan Standar Akuntansi Keuangan (PSAK) with the provisions of Statement of Financial Accounting 5 tentang Segmen Operasi sebagaimana tertuang dalam Standards (PSAK) 5 on Operating Segments stated in Laporan Keuangan PT Lippo General Insurance Tbk per the Financial Statements of PT Lippo General Insurance Tbk 31 Desember 2025 dan 2024. Berdasarkan klasifikasi as of December 31st, 2025, and 2024. Based on this tersebut, Perseroan membagi kegiatan usaha ke dalam classification, the Company divides its business activities beberapa segmen utama, yaitu asuransi kebakaran, into several main segments, namely fire insurance, motor asuransi kendaraan bermotor, asuransi pengangkutan laut, vehicle insurance, marine cargo insurance, health insurance, asuransi kesehatan, dan asuransi aneka. Pembagian ini and miscellaneous insurance. This segmentation enables memungkinkan Perseroan untuk mengelola dan melaporkan the Company to manage and report its financial performance kinerja keuangan secara lebih terfokus sesuai karakteristik in a more focused manner according to the characteristics dan risiko masing-masing segmen usaha. and risks of each business segment. Premi Bruto Gross Premium Jumlah premi bruto yang dicatatkan Perseroan sepanjang The total gross premiums recorded by the Company reached tahun 2025 mencapai Rp3,97 triliun, meningkat 17,41% Rp3.97 trillion in 2025, an increase of 17.41% or Rp588.07 atau Rp588,07 miliar dibandingkan dengan tahun 2024 billion compared to 2024, which was recorded at Rp3.38 yang tercatat sebesar Rp3,38 triliun. Kondisi ini terutama trillion. This condition was primarily influenced by premium dipengaruhi oleh kenaikan premi asuransi kebakaran dan increase in property and credit insurance. asuransi kredit. Pendapatan Jasa Asuransi Insurance Service Revenues Jumlah pendapatan jasa asuransi yang dicatatkan Perseroan The Company's insurance service revenues reached Rp3.77 sepanjang tahun 2025 mencapai Rp3,77 triliun, meningkat trillion in 2025, a 20.47% increase, or Rp640.58 billion, 20,47% atau Rp640,58 miliar dibandingkan dengan compared to Rp3.13 trillion in 2024. This increase was tahun 2024 yang tercatat sebesar Rp3,13 triliun. Kondisi ini primarily driven by a 47.11%, or Rp511.11 billion, increase in terutama dipengaruhi oleh peningkatan pendapatan jasa insurance service revenues in the credit insurance segment, asuransi pada segmen asuransi kredit sebesar 47,11% atau and an 8.83% increase, or Rp102.23 billion, in the health Rp511,11 miliar serta segmen asuransi kesehatan sebesar insurance segment. 8,83% atau Rp102,23 miliar. Beban Jasa Asuransi Insurance Service Expenses Beban jasa asuransi terdiri dari beban klaim yang terjadi, Insurance service expenses consists of incurred claim, amortisasi arus kas akuisisi, serta perubahan pada komponen amortized acquisition cash flow, and changes in loss kerugian. Jumlah beban jasa asuransi yang dicatatkan component. The Company's total insurance service Perseroan sepanjang tahun 2025 mencapai Rp3,42 triliun, expenses reached Rp3.42 trillion in 2025, a 19.43% increase, meningkat 19,43% atau Rp557,20 miliar dibandingkan or Rp557.20 billion, compared to Rp2.87 trillion in 2024. dengan tahun 2024 yang tercatat sebesar Rp2,87 triliun. Biggest portion of the insurance service expense is derived Porsi terbesar dari beban jasa asuransi tersebut berasal dari from incurred claim. beban klaim yang terjadi. 142 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis Beban Klaim yang Terjadi Claims Expense Incurred Jumlah beban klaim yang terjadi yang dicatatkan Perseroan The total incurred claim recorded by the Company reached sepanjang tahun 2025 mencapai Rp2,96 triliun, meningkat Rp2.96 trillion in 2025, an increase of 22.36% or Rp541.83 22,36% atau Rp541,83 miliar dibandingkan dengan tahun billion compared to 2024, which was recorded at Rp2.42 2024 yang tercatat sebesar Rp2,42 triliun. Kondisi ini terutama trillion. This condition was primarily attributable to production. dipengaruhi oleh peningkatan produksi. Hasil Jasa Reasuransi Reinsurance Service Result Jumlah hasil jasa reasuransi yang dicatatkan Perseroan The total reinsurance result recorded by the Company sepanjang tahun 2025 mencapai Rp224,88 miliar, menurun reached Rp224.88 billion in 2025, a decrease of 12.46% or 12,46% atau Rp32,01 miliar dibandingkan dengan tahun Rp32.01 billion compared to 2024, which was recorded at 2024 yang tercatat sebesar Rp256,89 miliar. Rp256.89 billion. Laba Tahun Berjalan Profit for the Year Laba tahun berjalan yang dicatatkan Perseroan sepanjang The Company's profit for the year recorded throughout tahun 2025 mencapai Rp144,73 miliar, meningkat 125,69% 2025 reached Rp144.73 billion, an increase of 125.69% or atau Rp80,60 miliar dibandingkan dengan tahun 2024 Rp80.60 billion compared to Rp64.13 billion in 2024. This yang tercatat sebesar Rp64,13 miliar. Kondisi ini terutama condition was primarily due to increase in sales volume and dipengaruhi oleh volume penjualan dan rasio klaim yang improvement in claims ratio. membaik. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 143
Page 146
Analisis dan Pembahasan Manajemen
Aspek Pemasaran
Marketing Aspects
Strategi Pemasaran Marketing Strategy
Strategi pemasaran yang diterapkan oleh Perseroan The marketing strategy implemented by the Company is
bertujuan untuk memperkuat posisi di pasar sekaligus aimed at strengthening its position in the market while
meningkatkan daya saing melalui pendekatan yang enhancing competitiveness through an integrated approach
terintegrasi dan adaptif terhadap kebutuhan nasabah. that is adaptive to customers’ needs. By developing a deep
Melalui pemahaman mendalam terhadap perilaku pasar dan understanding of market behavior and current trends,
tren terkini, Perseroan mengembangkan berbagai upaya the Company undertakes various initiatives to build customer
guna membangun loyalitas dan memperluas jangkauan loyalty and expand its market reach. This approach is
pasar. Pendekatan ini dirancang tidak hanya untuk menarik designed not only to attract new customers, but also to
nasabah baru, tetapi juga mempertahankan hubungan maintain long-term relationships with existing customers,
jangka panjang dengan nasabah yang sudah ada, sehingga thereby supporting sustainable business growth. In general,
mendukung pertumbuhan bisnis secara berkelanjutan. the Company’s marketing strategy focuses on the following
Secara umum, strategi pemasaran yang dibangun Perseroan 3 key aspects.
difokuskan pada 3 aspek berikut.
Customer User Employee
Experience Experience Experience
Dalam menjalankan strategi pemasaran, Perseroan In implementing its marketing strategy, the Company
menempatkan customer experience, user experience, dan prioritizes the customer experience, user experience, and
employee experience sebagai fokus utama. Pendekatan employee experience. This approach aims to create positive
ini bertujuan untuk menciptakan interaksi yang positif dan and comprehensive interactions across various touchpoints,
menyeluruh di berbagai titik kontak, mulai dari layanan ranging from customer service and product usage to
nasabah hingga penggunaan produk serta lingkungan a supportive work environment for employees. By addressing
kerja yang mendukung karyawan. Dengan memperhatikan these three aspects simultaneously, the Company seeks
ketiga aspek tersebut secara simultan, Perseroan berupaya to build strong and harmonious relationships between
membangun hubungan yang kuat dan harmonis antara customers and employees, thereby enhancing overall
nasabah dan karyawan, sehingga mampu meningkatkan satisfaction, loyalty, and performance.
kepuasan, loyalitas, serta kinerja secara keseluruhan.
Pangsa Pasar Market Shares
Perseroan memiliki pangsa pasar yang mencakup berbagai The Company’s market share spans various segments,
segmen, mulai dari nasabah retail atau individu, usaha kecil ranging from retail or individual customers, small and
dan menengah, hingga korporasi besar. Dalam portofolio medium enterprises, to large corporations. Within its
tanggungannya, Perseroan membagi secara proporsional coverage portfolio, the Company allocates proportionally
antara jenis asuransi kesehatan yang mencapai 36,09% dan between health insurance that reached 36.09%, and
asuransi umum sebesar 63,91%. Komposisi ini mencerminkan general insurance amounting to 63.91%. This composition
fokus Perseroan dalam melayani kebutuhan beragam reflects the Company’s focus on serving the diverse needs
nasabah dengan produk asuransi yang variatif, sekaligus of customers with a variety of insurance products, while
menjaga keseimbangan antara segmen pasar yang berbeda maintaining a balance between different market segments to
untuk mendukung pertumbuhan bisnis yang berkelanjutan. support sustainable business growth.
144 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
Tinjauan Keuangan
Financial Overview
Laporan Keuangan Perseroan per tanggal 31 Desember The Company’s Financial Statements as of December 31st,
2025 dan 2024 telah diaudit secara independen oleh 2025, and 2024 have been independently audited by the
Kantor Akuntan Publik (KAP) Suharli, Sugiharto & Rekan. Public Accounting Firm (KAP) Suharli, Sugiharto & Partners.
Penyusunan Laporan Keuangan ini mengikuti Standar The preparation of these Financial Statements complies
Akuntansi Keuangan (SAK) yang mencakup PSAK dan with Indonesian Financial Accounting Standards (SAK),
Interpretasi Standar Akuntansi Keuangan (ISAK) yang which include the Statements of PSAK and Interpretations of
diterbitkan oleh Dewan Standar Akuntansi Keuangan - Financial Accounting Standards (ISAK) issued by the Financial
Ikatan Akuntan Indonesia (DSAK-IAI). Hal ini menunjukkan Accounting Standards Board of the Indonesian Institute of
komitmen Perseroan dalam menyajikan Laporan Keuangan Accountants (DSAK-IAI). This demonstrates the Company’s
yang transparan, akurat, dan sesuai dengan prinsip akuntansi commitment to presenting Financial Statements that are
yang berlaku di Indonesia. transparent, accurate, and in accordance with applicable
accounting principles in Indonesia.
Lebih lanjut, pembahasan mendalam mengenai kinerja Further detailed discussion of the Company’s financial
keuangan Perseroan dapat ditemukan dalam bagian Catatan performance can be found in the Notes to the Financial
atas Laporan Keuangan. Berbagai aspek operasional Statements. Various operational and financial aspects are
dan keuangan diuraikan secara rinci untuk memberikan presented comprehensively to provide a clearer and more
gambaran yang lebih jelas dan menyeluruh tentang kondisi complete overview of the Company’s condition during
Perseroan selama periode pelaporan. Pendekatan ini tidak the reporting period. This approach not only assists
hanya membantu pemangku kepentingan dalam memahami stakeholders in understanding business results and
hasil dan perkembangan bisnis, tetapi juga mendukung developments, but also supports more accurate
pengambilan keputusan yang lebih tepat berdasarkan decision-making based on the financial information
informasi keuangan yang disajikan. presented.
Laporan Posisi Keuangan
Statements of Financial Position
Aset
Assets
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Kas dan Bank 13,51 15,39 (1,87) (12,18) Cash on Hand and in Banks
Aset Kontrak Reasuransi 878,68 768,69 109,99 14,31 Reinsurance Contract Assets
Piutang Lain-Lain - Neto 69,75 67,62 2,13 3,15 Other Receivables - Net
Investasi 2.079,30 1.525,27 554,03 36,32 Investments
Uang Muka dan Biaya Dibayar di Muka 9,86 9,57 0,29 3,00 Prepaid Expenses and Advances
Jumlah Aset Lancar 3.051,10 2.386,53 664,57 27,85 Total Current Assets
Aset Hak Guna - Neto - 1,09 (1,09) (100,00) Right of Use Assets - Net
Aset Tetap - Neto 44,12 44,55 (0,43) (0,96) Fixed Assets
Aset Tak Berwujud - Neto 22,07 1,89 20,18 1.068,85 Intangible Assets
Aset Lain-Lain 4,29 16,69 (12,40) (74,28) Other Assets
Jumlah Aset Tidak Lancar 70,49 64,22 6,27 9,76 Total Non-Current Assets
Jumlah Aset 3.121,59 2.450,75 670,84 27,37 Total Assets
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 145
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Analisis dan Pembahasan Manajemen
Jumlah Aset Total Assets
Jumlah aset tahun 2025 mencapai Rp3,12 triliun, meningkat Total assets in 2025 amounted to Rp3.12 trillion, increasing
27,37% atau Rp670,84 miliar dibandingkan dengan tahun by 27.37% or Rp670.84 billion compared to that of 2024
2024 sebesar Rp2,45 triliun. Kondisi ini terutama dipengaruhi of Rp2.45 trillion. This condition was mainly driven by the
oleh peningkatan aset investasi dan aset kontrak reasuransi increase of Company investment and reinsurance contract
Perseroan karena lebih banyaknya produksi pada tahun 2025. assets due to the higher production of 2025.
Aset Lancar Current Assets
Jumlah aset lancar tahun 2025 mencapai Rp3,05 triliun, Total current assets in 2025 amounted to Rp3.05 trillion,
meningkat 27,85% atau Rp664,57 miliar dibandingkan increasing by 27.85% or Rp664.57 billion compared to
dengan tahun 2024 sebesar Rp2,39 triliun. Kondisi ini that of 2024 of Rp2.39 trillion. This condition was primarily
terutama dipengaruhi oleh peningkatan aset investasi dan influenced by the increase in Company investment and
aset kontrak reasuransi Perseroan. reinsurance contract assets.
Aset Tidak Lancar Non-Current Asset
Jumlah aset tidak lancar tahun 2025 mencapai Rp70,49 Total non-current assets in 2025 amounted to
miliar, meningkat 9,76% atau Rp6,27 miliar dibandingkan Rp70.49 billion, increasing by 9.76% or Rp6.27 billion
dengan tahun 2024 sebesar Rp64,22 miliar. Kondisi ini compared to that of 2024 of Rp64.22 billion. This condition
terutama dipengaruhi oleh peningkatan aset tak berwujud was primarily influenced by the increase of intangible assets
perangkat lunak. in the form of software.
Liabilitas
Liabilities
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Liabilitas Kontrak Asuransi 1.820,86 1.379,48 441,38 32,00 Insurance Contact Liabilities
Utang Pajak 23,31 2,90 20,41 703,41 Tax Payables
Pendapatan Premi Ditangguhkan 9,24 18,36 (9,12) (49,67) Deferred Premium Income
Liabilitas Sewa - 0,85 (0,85) (100,00) Lease Liabilities
Liabilitas Imbalan Kerja Karyawan 23,30 6,73 16,57 246,18 Employees Benefits Liabilities
Liabilitas Pajak Tangguhan 30,30 32,95 (2,65) (8,03) Deferred Tax Liabilities
Utang Lain-Lain 186,53 108,88 77,65 71,32 Other Payables
Jumlah Liabilitas 2.093,53 1.550,14 543,39 35,05 Total Liabilities
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
Jumlah Liabilitas Total Liabilities
Jumlah liabilitas tahun 2025 mencapai Rp2,09 triliun, Total liabilities in 2025 reached Rp2.09 trillion, an increase
meningkat 35,05% atau Rp543,39 miliar dibandingkan of 35.05% or Rp543.39 billion compared to Rp1.55 trillion
dengan tahun 2024 sebesar Rp1,55 triliun. Kondisi ini in 2024. This condition was mainly driven by the increase
terutama dipengaruhi oleh kenaikan liabilitas kontrak in insurance contract liabilities due to higher production in
asuransi akibat peningkatan produksi pada tahun 2025 dan 2025 and administration and profit sharing booked in other
administrasi dan profit sharing dalam utang lain-lain. payables.
146 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
Ekuitas
Equity
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Modal Saham Share Capital
Modal Dasar Authorized Capital
Modal Ditempatkan dan Disetor Penuh 150,00 150,00 - - Issued and Fully Paid-Up Capital
Tambahan Modal Disetor 45,49 45,49 - - Additional Paid-In Capital
Pengukuran Kembali Liabilitas Remeasurement of Post
(0,77) (3,25) 2,48 (76,21)
Imbalan Pasca Kerja Employment Benefits Liabilities
Keuntungan yang Belum Direalisasi
Unrealized Gain On Changes in
dari Perubahan Nilai Wajar atas Surat 0,31 - 0,31 100,00
Fair Value of Securities
Berharga
Beban Keuangan Asuransi – Neto (7,70) (1,10) 6,60 600,65 Insurance Finance Expense - Net
Pendapatan Keuangan Reasuransi
3,30 (1,23) (4,53) 368,45 Reinsurance Finance Income - Net
- Neto
Saldo Laba Retained Earnings
Telah Ditentukan Penggunaannya 24,00 23,00 1,00 4,35 General Reserves
Belum Ditentukan Penggunaannya 813,43 687,70 125,73 18,28 Unappropriated
Jumlah Ekuitas 1.028,06 900,61 127,45 14,15 Total Equity
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
Jumlah Ekuitas Total Equity
Jumlah ekuitas tahun 2025 mencapai Rp1,03 triliun, Total equity in 2025 amounted to Rp1.03 trillion, increased
meningkat 14,15% atau Rp127,45 miliar dibandingkan by 14.15% or Rp127.45 billion compared to that of 2024 of
dengan tahun 2024 sebesar Rp900,61 miliar. Kondisi ini Rp900.61 billion. This condition was primarily influenced
terutama dipengaruhi oleh peningkatan saldo laba dari hasil by the increase in retained earnings from the Company’s
bisnis Perseroan. business result.
Laporan Laba Rugi dan Penghasilan Komprehensif Lain
Statements of Profit or Loss and Other Comprehensive Income
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Pendapatan Revenues
Pendapatan Jasa Asuransi 3.769,97 3.129,39 640,58 20,47 Insurance Service Revenues
Beban Jasa Asuransi (3,424.54) (2.867,35) 557,20 19,43 Insurance Service Expenses
Hasil Jasa Asuransi Sebelum Insurance Service Results Before
345,43 262,04 83,39 31,82
Kontrak Reasuransi Milikan Reinsurance Contracts Held
Pendapatan Reasuransi 285,46 195,37 90,09 46,12 Reinsurance Revenues
Beban Kontrak Reasuransi (510,34) (452,26) 58,09 12,84 Reinsurance Contract Expenses
Beban Neto dari Kontrak Net Expenses From Reinsurance
(224,88) (256,89) (32,01) (12,46)
Reasuransi Milikan Contracts Held
Hasil Jasa Asuransi 120,55 5,15 115,40 2.239,91 Insurance Service Results
Hasil Investasi 97,20 85,22 11,98 14,05 Investment Income
Jumlah Pendapatan 217,74 90,37 127,37 140,95 Total Revenues
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Analisis dan Pembahasan Manajemen
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Beban Expenses
Beban Usaha 42,13 29,58 12,55 42,42 Operating Expenses
Beban Keuangan Asuransi 31,31 19,79 11,51 58,16 Insurance Finance Expense
Pendapatan (Beban) Keuangan Reinsurance Finance Income
2,56 (10,13) 7,57 125,24
Reasuransi (Expense)
Jumlah Beban 75,99 39,24 36,74 (74,76) Total Expenses
Laba Usaha 141,76 30,87 110,88 359,18 Operating Profit
Pendapatan Lain-Lain - Neto 26,72 26,04 0,68 2,61 Other Income - Net
Laba Sebelum Pajak Penghasilan 168,48 77,17 91,31 118,32 Income Before Tax
Beban Pajak Penghasilan - Neto (23,75) (13,04) 10,71 82,12 Income Tax Expenses - Net
Laba Tahun Berjalan 144,73 64,13 80,60 125,69 Profit for the Year
Jumlah Penghasilan (Beban) Total Other Comprehensive
0,72 (4,02) 4,74 117,89
Komprehensif Lain, Setelah Pajak Income (Expenses), Net of Tax
Jumlah Laba Komprehensif Total Comprehensive Income
145,45 60,11 85,34 141,97
Tahun Berjalan for the Year
Laba per Saham Dasar Basic Earnings per Share
48 21 297 128,57
(dalam Rupiah penuh) (in full Rupiah)
*)
Data disajikan kembali. / Data restated.
Catatan / Note: Tahun 2025 merupakan tahun transisi ke PSAK 117 sesuai dengan standar yang berlaku Laporan Keuangan Komparatif untuk Laporan Posisi Keuangan per 1 Januari
2024 dan 31 Desember 2024, dan Laporan Laba Rugi untuk tahun yang berakhir 31 Desember 2024 telah disajikan kembali. / The year 2025 was a transition year
to PSAK 117 in accordance with the applicable standards for Financial Statements. Comparative for the Statement of Financial Position as of January 1st, 2024, and
December 31st, 2024, and the Income Statement for the year ended December 31st, 2024, has been restated.
Pendapatan Revenues
Pendapatan tahun 2025 mencapai Rp 217,74 miliar, Revenues in 2025 reached Rp 217.74 billion, an increase of
meningkat 140,95% atau Rp127,37 miliar dibandingkan 140.95%, or Rp 127.37 billion, compared to Rp 90.37 billion
dengan tahun 2024 sebesar Rp90,37 miliar. Kondisi ini in 2024. This was primarily driven by a 20.47% increase in
terutama dipengaruhi oleh peningkatan pendapatan jasa insurance service revenue, or Rp 640.58 billion.
asuransi sebesar 20,47% atau Rp640,58 miliar.
Hasil Jasa Asuransi Insurance Service Result
Hasil jasa asuransi tahun 2025 mencapai Rp120,55 miliar, Insurance service result in 2025 reached Rp120.55 billion, an
meningkat 2.239,91% atau Rp115,40 miliar dibandingkan increase of 2,239.91% or Rp115.4 billion compared to Rp5.15
dengan tahun 2024 sebesar Rp5,15 miliar. Kondisi ini billion in 2024. This condition was mainly due to increase in
terutama dipengaruhi oleh peningkatan produksi dan production and improvement in claims ratio.
perbaikan rasio klaim.
Hasil Investasi Investment Income
Hasil investasi tahun 2025 mencapai Rp97,20 miliar, Investment income in 2025 reached Rp97.20 billion,
meningkat 14,05% atau Rp11,98 miliar dibandingkan dengan an increase of 14.05% or Rp11.98 billion compared to Rp85.22
tahun 2024 sebesar Rp85,22 miliar. Kondisi ini terutama billion in 2024. This condition was mainly attributable to
dipengaruhi oleh kenaikan hasil investasi atas bunga obligasi. increase in investment income from bond interest.
Beban Expenses
Beban tahun 2025 mencapai Rp75,99 miliar, meningkat Total expenses in 2025 reached Rp75.99 trillion, an increase
93,73% atau Rp36,76 miliar dibandingkan dengan of 93.73% or Rp36.76 billion compared to Rp39.22 trillion in
tahun 2024 sebesar Rp39,22 miliar. Kondisi ini terutama 2024. This condition was primarily influenced by an increase
dipengaruhi oleh peningkatan beban usaha sebesar 42,42% in operating expenses of 42.42% or Rp12.55 billion and
atau Rp12,55 miliar dan beban keuangan asuransi sebesar insurance finance expenses of 58.16% or Rp11.51 billion.
58,16% atau Rp11,51 miliar.
148 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
Laba Tahun Berjalan Profit for the Year
Laba tahun berjalan pada tahun 2025 mencapai Rp144,73 Profit for the year 2025 reached Rp144.73 billion, an increase
miliar, meningkat 125,69% atau Rp80,60 miliar dibandingkan of 125.69% or Rp80.60 billion compared to Rp64.13 billion
dengan tahun 2024 sebesar Rp64,13 miliar. Kondisi ini in 2024. This condition was primarily attributable to increase
terutama dipengaruhi oleh peningkatan hasil jasa asuransi in insurance service result which is supported by increase in
yang didorong oleh peningkatan produksi dan perbaikan production and improvement in claims ratio.
rasio klaim.
Laporan Arus Kas
Statements of Cash Flows
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pertumbuhan (Penurunan)
Uraian 2025 2024*) Growth (Decline) Description
Rp %
Arus Kas Neto Diperoleh dari Net Cash Flows Provided by
505,35 138,35 367,01 265,28
Aktivitas Operasi Operating Activities
Arus Kas Neto Digunakan untuk Net Cash Flows Used in
(489,45) (134,79) 354,66 263,13
Aktivitas Investasi Investing Activities
Arus Kas Neto Digunakan untuk Net Cash Flows Used in
(18,00) (9,30) 8,70 93,56
Aktivitas Pendanaan Financing Activities
Kenaikan (Penurunan) Neto Kas Net Increase (Decrease) in Cash
(2,10) (5,74) (3,64) (63,47)
dan Setara Kas and Cash Equivalents
Kas dan Setara Kas Cash and Cash Equivalents at
15,39 21,02 (5,64) (26,81)
pada Awal Tahun Beginning of the Year
Kas dan Setara Kas Cash and Cash Equivalents
13,51 15,39 (1,87) (12,18)
pada Akhir Tahun at End of the Year
*)
Data disajikan kembali. / Data restated.
Arus Kas Neto Diperoleh dari Net Cash Flows Provided by
Aktivitas Operasi Operating Activities
Arus kas neto yang diperoleh Perseroan dari aktivitas operasi The Company’s net cash flows provided by operating
tahun 2025 mencapai Rp505,35 miliar, meningkat 265,28% activities in 2025 amounted to Rp505.35 billion, an increase
atau Rp367,01 miliar dibandingkan dengan tahun 2024 of 265.28% or Rp367.01 billion compared to Rp138.35 billion
sebesar Rp138,35 miliar. Kondisi ini terutama dipengaruhi in 2024. This condition was mainly driven by increase in
oleh peningkatan penerimaan premi sebesar 28,40% premium receipts of 28.40% compared to claim payments
dibandingkan pembayaran klaim sebesar 15,45%. of 15.45%.
Arus Kas Neto Digunakan untuk Net Cash Flows Used in Investing Activities
Aktivitas Investasi
Arus kas neto yang digunakan Perseroan untuk aktivitas Net cash flows used in investing activities in 2025 amounted
investasi tahun 2025 mencapai Rp489,45 miliar, meningkat to Rp489.45 billion, an increase of 263.13% or Rp354.66
263,13% atau Rp354,66 miliar dibandingkan dengan billion compared to Rp134.79 billion in 2024. This condition
tahun 2024 sebesar Rp134,79 miliar. Kondisi ini terutama was primarily driven by an increase in investment placements
dipengaruhi oleh kenaikan penempatan investasi yang resulting from a 265.28% rise in operating cash flows.
berasal dari peningkatan dari arus kas operasi sebesar
265,28%.
Arus Kas Neto Digunakan untuk Net Cash Flows Used in Financing Activities
Aktivitas Pendanaan
Arus kas neto yang digunakan Perseroan untuk aktivitas Net cash flows used in financing activities in 2025 amounted
pendanaan tahun 2025 mencapai Rp18,00 miliar, meningkat to Rp18.00 billion, an increase of 93.56% or Rp8.70 billion
93,56% atau Rp8,70 miliar dibandingkan dengan tahun compared to Rp9.30 billion in 2024. This condition was
2024 sebesar Rp9,30 miliar. Kondisi ini terutama dipengaruhi mainly influenced by increase in profit for the year.
oleh kenaikan laba tahun berjalan.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 149
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Analisis dan Pembahasan Manajemen
Rasio Keuangan
Financial Ratio
(dalam % / in %)
Uraian 2025 2024*) Description
Rasio Profitabilitas / Profitability Ratio
Margin Laba Bersih 3,84 1,78 Net Profit Margin
Rasio Laba Bersih terhadap Jumlah Aset (ROA) 4,64 1,95 Return on Assets (ROA) Ratio
Rasio Laba Bersih terhadap Jumlah Ekuitas (ROE) 14,08 5,81 Return on Equity (ROE) Ratio
Rasio Hasil Jasa Asuransi 3,70 0,19 Insurance Service Result Ratio
Rasio Beban Klaim 82,88 85,48 Claim Expenses Ratio
Rasio Beban Komisi 2,54 3,23 Commission Expenses Ratio
Rasio Hasil Investasi 4,67 5,59 Investment Income Ratio
Rasio Gabungan 94,25 96,90 Combined Ratio
Rasio Likuiditas 167,01 170,13 Liquidity Ratio
Rasio Solvabilitas / Solvency Ratio
Rasio Pencapaian Solvabilitas 303,99 315,53 Solvency Achievement Ratio
Rasio Liabilitas terhadap Jumlah Aset 67,07 54,51 Liabilities to Total Assets Ratio
Rasio Liabilitas terhadap Jumlah Ekuitas 203,64 161,97 Liabilities to Total Equity Ratio
*)
Data disajikan kembali. / Data restated.
Kemampuan Memenuhi Kewajiban Ability to Meet Obligations
Likuiditas Liquidity
Likuiditas menggambarkan kemampuan Perseroan dalam Liquidity reflects the Company’s ability to meet its
memenuhi kewajiban jangka pendek menggunakan aset short-term obligations using assets that can be readily
yang mudah dicairkan menjadi kas. Kondisi likuiditas yang converted into cash. A sound liquidity condition is essential
sehat sangat penting untuk menjaga kelancaran operasional to ensure smooth operations and to enable the Company
dan memastikan bahwa Perseroan dapat membayar utang to settle payables and other obligations on a timely basis.
serta kewajiban lainnya tepat waktu. Pengelolaan likuiditas Effective liquidity management demonstrates financial
yang efektif mencerminkan kestabilan keuangan dan stability and the capacity to respond to unforeseen
kemampuan untuk menghadapi situasi tak terduga tanpa situations without liquidating long-term assets or disrupting
harus mengorbankan aset jangka panjang atau mengganggu day-to-day business activities. Accordingly, liquidity is one
kegiatan bisnis sehari-hari. Dengan demikian, likuiditas of the key indicators for assessing the Company’s overall
menjadi salah satu indikator utama dalam menilai kesehatan financial health.
keuangan Perseroan.
Solvabilitas Solvency
Dalam dunia asuransi, solvabilitas menjadi indikator In the insurance industry, solvency is a critical indicator of
penting yang menunjukkan kemampuan Perseroan dalam the Company’s ability to meet all long-term obligations,
memenuhi seluruh kewajiban jangka panjang, terutama particularly claims that may arise in the future. Pursuant
terkait klaim yang mungkin timbul di masa depan. Menurut to OJK Regulation No. 26 of 2025, promulgated on
Peraturan OJK No. 26 Tahun 2025 yang diundangkan pada November 24th, 2025, which replaces OJK Regulation
tanggal 24 November 2025 menggantikan Peraturan OJK No. 5 of 2023 the second amendment to OJK Regulation
No. 5 Tahun 2023 perubahan kedua atas Peraturan OJK No. 71/POJK.05/2016 dated December 28th, 2016, insurance
No. 71/POJK.05/2016 tanggal 28 Desember 2016, perusahaan and reinsurance companies in Indonesia are required to
asuransi dan reasuransi di Indonesia diwajibkan untuk menjaga maintain a solvency ratio based on the Risk-Based Minimum
rasio solvabilitas dengan menggunakan pendekatan Modal Capital (MMBR) approach. This approach is designed to
Minimum Berbasis Risiko (MMBR). Pendekatan ini dirancang ensure that the Company maintains sufficient capital to cover
untuk memastikan bahwa Perseroan memiliki modal yang the risks it faces, thereby enabling it to withstand various
cukup untuk menutupi risiko-risiko yang dihadapi, sehingga uncertain conditions.
mampu bertahan dalam berbagai kondisi yang tidak pasti.
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Management Discussion and Analysis
Perseroan wajib memenuhi tingkat solvabilitas minimum The Company is required to maintain a minimum solvency
sebesar 120% dari risiko yang mungkin timbul akibat level of 120% of the risks arising from potential deviations, as
deviasi, sebagai upaya menjaga stabilitas dan kepercayaan an effort to preserve stability and confidence in the insurance
di pasar asuransi. Kewajiban ini tidak hanya melindungi market. This requirement not only safeguards policyholders’
kepentingan nasabah, tetapi juga menjaga integritas sistem interests, but also protects the integrity of the Company’s
keuangan Perseroan secara keseluruhan. Dengan menjaga overall financial system. By maintaining its solvency ratio
rasio solvabilitas sesuai standar tersebut, Perseroan dapat in accordance with the prescribed standard, the Company
menunjukkan bahwa memiliki fondasi keuangan yang kuat demonstrates a strong financial foundation to support its
untuk menjalankan operasional dan menghadapi risiko operations and manage risks effectively.
dengan lebih baik.
Rasio pencapaian solvabilitas pada tahun 2025 tercatat In 2025, the Company’s solvency ratio was recorded
sebesar 303,99%, jauh di atas persyaratan minimum MMBR. at 303.99%, significantly above the minimum MMBR
Sementara itu, rasio liabilitas terhadap jumlah aset dan requirement. Meanwhile, the ratio of liabilities to total
rasio liabilitas terhadap jumlah ekuitas sedikit mengalami assets and the ratio of liabilities to total equity increased
peningkatan masing-masing menjadi 67,07% dan 203,64% slightly to 67.07% and 203.64%, respectively, from 54.51%
dari semula 54,51% dan 161,97%. Hal ini menunjukkan adanya and 161.97%. This indicates an increase in the Company’s
pertumbuhan produksi premi Perseroan yang tercermin premium production, as evidenced in particular by the rise
dengan adanya peningkatan terutama dari liabilitas kontrak in insurance contract liabilities, which in turn is expected to
asuransi yang akan berpengaruh pada ekuitas Perseroan. influence on the Company’s equity.
Tingkat Kolektibilitas Piutang Receivables Turnover Ratio
Tingkat kolektibilitas piutang mencerminkan sejauh mana The receivables turnover ratio reflects the extent to which
premi atau klaim yang harus diterima dari nasabah dapat premiums or claims receivable from policyholders can
tertagih secara efektif dan tepat waktu. Kondisi kolektibilitas be collected effectively and on a timely basis. A sound
yang baik menunjukkan kemampuan Perseroan dalam receivables turnover ratio indicates the Company’s ability
mengelola risiko kredit dan menjaga arus kas tetap lancar, to manage credit risk and maintain stable cash flows, both
yang sangat penting untuk mendukung stabilitas keuangan of which are essential to support financial and operational
dan operasional. Pengelolaan piutang yang efektif juga stability. Effective receivables management also helps
membantu meminimalkan risiko kerugian akibat piutang tak minimize the risk of losses arising from uncollectible
tertagih dan memastikan bahwa dana yang diterima dapat receivables and ensures that collected funds can be utilized
digunakan untuk memenuhi kewajiban kepada nasabah dan to meet obligations to policyholders and support business
menjalankan bisnis secara optimal. Oleh karena itu, tingkat operations optimally. Therefore, the receivables turnover
kolektibilitas piutang menjadi salah satu aspek krusial dalam ratio constitutes one of the crucial aspects in assessing
menilai kinerja keuangan Perseroan. the Company’s financial performance.
Piutang Premi
Premium Receivables
(dalam miliar Rupiah / in billion Rupiah)
Uraian 2025 2024 Description
Kurang dari 60 Hari 338,79 506,85 Less than 60 Days
Lewat Jatuh Tempo 60-90 Hari 10,45 1,96 Overdue 60-90 Days
Lewat Jatuh Tempo Lebih dari 90 Hari 5,39 (8,83) Overdue More than 90 Days
Jumlah 354,64 499,98 Total
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 151
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Analisis dan Pembahasan Manajemen
Piutang Reasuransi
Reinsurance Receivables
(dalam miliar Rupiah / in billion Rupiah)
Uraian 2025 2024 Description
Kurang dari 60 Hari 43,49 41,80 Less than 60 Days
Lewat Jatuh Tempo 60-90 Hari 10,86 12,38 Overdue 60-90 Days
Lewat Jatuh Tempo Lebih dari 90 Hari 26,02 47,63 Overdue More than 90 Days
Jumlah 80,37 101,81 Total
Dalam rangka meningkatkan kolektibilitas piutang, Perseroan To increase receivables collectability, the Company applies
menerapkan beberapa langkah strategis, di antaranya: several strategic measures, among others:
1. Mengoptimalkan penagihan melalui penggunaan surat 1. Optimizing collection through the use of electronic mail,
elektronik, SMS, dan Whatsapp Business; SMS, and WhatsApp Business;
2. Mempercepat pengiriman polis dan nota tagihan melalui 2. Accelerating the delivery of policies and invoices
surat elektronik (e-Polis); serta via electronic mail (e-Policy); and
3. Menambah metode pembayaran, di antaranya melalui VA, 3. Adding payment methods, among others, through
QRIS, dan pembayaran melalui online yang bekerja sama VA, QRIS, and online payments in collaboration with
dengan P2P payment maupun kartu kredit, sehingga P2P payment or credit card, making it easier for
memudahkan tertanggung dalam memilih opsi yang the insured to choose the most convenient option for
paling nyaman dalam melakukan pembayaran premi. making premium payments.
Struktur Modal Capital Structure
Kebijakan Manajemen atas Struktur Modal Management Policy on the Company’s Capital
Perseroan Structure
Manajemen Perseroan secara aktif mengelola struktur The Company’s management actively manages its capital
modal untuk memastikan keseimbangan antara penggunaan structure to ensure an appropriate balance between the use
modal sendiri dan modal pinjaman, sehingga mendukung of equity and debt, thereby supporting sustainable business
pertumbuhan bisnis yang berkelanjutan sekaligus menjaga growth while maintaining a controlled risk profile. This policy
tingkat risiko yang terkendali. Kebijakan ini bertujuan untuk is aimed at preserving adequate liquidity and ensuring
mempertahankan likuiditas yang memadai dan memenuhi compliance with applicable regulatory requirements,
persyaratan regulasi yang berlaku, khususnya terkait dengan particularly those related to solvency and capital adequacy
rasio solvabilitas dan kecukupan modal. Strategi yang ratios. The strategies implemented, include the payment
ditempuh, meliputi pembayaran dividen kepada Pemegang of dividends to Shareholders, the provision of competitive
Saham, pemberian imbalan modal yang kompetitif, returns on capital, effective debt management to keep
pengelolaan utang yang efektif untuk menjaga biaya financing costs at an optimal level, and the option to issue
pembiayaan tetap optimal, dan opsi menerbitkan saham new shares to strengthen the Company’s core capital.
baru guna memperkuat modal inti Perseroan.
Dalam mengelola struktur modal, Perseroan menggunakan In managing its capital structure, the Company applies
pendekatan rasio utang terhadap ekuitas sebagaimana a debt-to-equity ratio approach, as outlined below.
diuraikan berikut.
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Uraian 2025 2024*) Description
Jumlah Liabilitas 2.093,53 1.550,14 Total Liabilities
Dikurangi: Subtracted by:
13,51 15,39
Kas dan Bank Cash on Hand and in Banks
Liabilitas Neto 2.080,02 1.534,76 Net Liability
Jumlah Ekuitas 1.028,06 900,61 Total Equity
Rasio Utang terhadap Ekuitas 202,33% 170,41% Ratio of Payable to Equity
*)
Data disajikan kembali. / Data restated.
152 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
Tingkat Kesehatan Perseroan Company Soundness Level
Penilaian tingkat kesehatan Perseroan dilakukan The assessment of the Company’s soundness level is
secara berkala melalui metode self-assessment dengan conducted periodically through a self-assessment process
menggunakan metode yang ditentukan regulator guna using methodologies prescribed by the regulator to ensure
memastikan akurasi dan objektivitas hasilnya. Hasil evaluasi the accuracy and objectivity of the results. The results of
ini menjadi landasan penting dalam pengambilan keputusan this evaluation serve as an important basis for strategic
strategis yang bertujuan untuk memperkuat posisi Perseroan decision-making aimed at strengthening the Company’s
di pasar dan melakukan perbaikan yang diperlukan demi market position and implementing necessary improvements
menjaga keberlanjutan usaha. Dengan pemantauan yang to maintain business sustainability. Through consistent
konsisten dan transparan, Perseroan dapat lebih proaktif and transparent monitoring, the Company is able to take
dalam menghadapi tantangan serta menyesuaikan strategi a more proactive approach in addressing challenges and
operasional agar tetap responsif terhadap perubahan kondisi adjusting its operational strategies to remain responsive to
bisnis dan regulasi. Adapun faktor-faktor penilaian, meliputi: changes in business conditions and regulatory requirements.
The assessment factors, include:
1. Profil Risiko; 1. Risk Profile;
2. Tata Kelola Perusahaan yang Baik; 2. Good Corporate Governance;
3. Rentabilitas; serta 3. Profitability; and
4. Permodalan. 4. Capital Adequacy.
Tabel Tingkat Kesehatan Perusahaan Asuransi LGI secara Individu (Self-Assessment)
Table of Soundness Level of Individual LGI Insurance Companies (Self-Assessment)
Penilaian (Peringkat)
Assessment (Rating)
Faktor Penilaian Assessment Factor
2025 2024
Profil Risiko 2 2 Risk Profile
Tata Kelola Perusahaan yang Baik 1 1 Good Corporate Governance
Rentabilitas 2 2 Profitability
Permodalan 1 1 Capital
Peringkat Komposit Tingkat Kesehatan Insurance Company Soundness Level
2 2
Perusahaan Asuransi Composite Rating
Hasil Penilaian Tingkat Kesehatan Perseroan dapat dilihat pada tabel di atas, di mana hasilnya menunjukkan rata-rata pada
peringkat 2, kondisi Perseroan yang secara umum sehat sehingga dinilai mampu menghadapi pengaruh negatif yang signifikan
dari perubahan kondisi bisnis dan faktor eksternal lain tercermin dari peringkat faktor penilaian, antara lain penerapan tata kelola
perusahaan yang baik bagi Perseroan, profil risiko, rentabilitas, dan permodalan yang secara umum baik. Dalam hal terdapat
Analisis kelemahan, maka secara umum kelemahan tersebut kurang signifikan.
Analysis The Company's Soundness Level Assessment results can be seen in the table above, where the results show an average rating
of 2, meaning that the Company's condition is generally sound, and therefore, considered capable of facing significant negative
impacts from changes in business conditions and other external factors reflected in the rating of assessment factors, including
the implementation of good corporate governance for the Company, risk profile, profitability, and capitalization, which are generally
good. In the case of weakness, the weakness is generally less significant.
Realisasi Penggunaan Dana Realization of Use of Proceeds
Hasil Penawaran Umum from Public Offering
Sejak terakhir kali melakukan penawaran saham pada tahun Since its latest public offering in 1997, the Company has not
1997, Perseroan tidak melakukan penawaran saham kembali conducted any subsequent share offerings to date. All funds
hingga saat ini. Seluruh dana yang diperoleh dari penawaran obtained from the public offering have been utilized optimally
umum tersebut telah dimanfaatkan secara optimal dan sesuai and in accordance with the original plan. As of 2025,
dengan rencana awal yang telah disusun. Hingga tahun the Company has fully completed the use of proceeds from
2025, Perseroan telah menyelesaikan seluruh penggunaan the public offering, and therefore, there are no remaining
dana hasil penawaran umum saham, sehingga tidak terdapat funds related to the share offering that require further
sisa dana yang masih harus dilaporkan terkait penawaran disclosure.
saham tersebut.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 153
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Analisis dan Pembahasan Manajemen
Program Kepemilikan Saham oleh Management and/or Employees
Manajemen dan/atau Karyawan Share Ownership Program
Sampai akhir tahun 2025, Perseroan tidak melaksanakan Until the end of 2025, the Company did not implement
program kepemilikan saham, baik untuk manajemen maupun any share ownership program, either for the management
karyawan. or employees.
Ikatan Material untuk Investasi Material Commitments for Capital
Barang Modal Goods Investment
Sepanjang tahun 2025, Perseroan tidak melakukan Throughout 2025, the Company did not undertake
investasi barang modal yang memenuhi kriteria sebagai any capital goods investment that met the criteria for
transaksi material berdasarkan ketentuan Peraturan OJK material transactions as stipulated under OJK Regulation
No. 17/POJK.04/2020 tentang Transaksi Material dan No. 17/POJK.04/2020 on Material Transactions and
Perubahan Kegiatan Usaha, di mana transaksi dianggap Changes in Business Activities, under which a transaction is
material apabila nilainya mencapai 20% atau lebih dari deemed material if its value reaches 20% or more of a Public
ekuitas Perusahaan Terbuka. Seluruh aktivitas investasi Company’s equity. All activities related to capital goods
barang modal yang dilakukan selama periode 2025 sesuai investment carried out during 2025 were in accordance
dengan anggaran yang telah dialokasikan sebelumnya, tanpa with the previously approved budget allocations and did not
adanya keterikatan pada investasi yang bersifat material. involve any investments classified as material.
Investasi Barang Modal Capital Goods Investment
Tujuan Investasi Barang Modal Objective of Capital Goods Investment
Investasi barang modal bertujuan untuk memperkuat Capital goods investment is intended to strengthen
infrastruktur operasional agar dapat memberikan layanan the Company’s operational infrastructure to deliver more
yang lebih efisien dan andal kepada nasabah. Dengan efficient and reliable services to customers. By allocating
mengalokasikan dana untuk pembelian peralatan kantor, funds to procure office equipment, computers, and office
komputer, dan prasarana kantor, Perseroan dapat facilities, the Company is able to enhance the speed and
meningkatkan kecepatan proses klaim, pengelolaan data, effectiveness of claims processing, data management, and
serta pelayanan nasabah. Selain itu, investasi ini juga customer service. In addition, such investments support
membantu Perseroan dalam menjaga reputasi dan daya the Company in maintaining its reputation and
saing di industri yang sangat bergantung pada kepercayaan competitiveness in an industry that relies heavily on trust and
dan ketepatan layanan, sekaligus mendukung pertumbuhan service accuracy, while also fostering long-term business
bisnis jangka panjang melalui peningkatan kapabilitas growth through improved internal capabilities.
internal.
Jenis dan Nilai Investasi Barang Modal Type and Value of Capital
Goods Investment
Perseroan melakukan investasi barang modal terhadap The Company’s capital goods investment was directed
aset tetap. Nilai investasi yang terealisasi pada tahun 2025 toward fixed assets. The realized value of capital goods
mencapai Rp10,08 miliar, meningkat 29,90% atau Rp2,32 investment in 2025 amounted to Rp10.08 billion, an
miliar dibandingkan dengan tahun 2024 sebesar Rp7,76 increase of 29.90% or Rp2.32 billion compared to Rp7.76
miliar. Informasi mengenai investasi barang modal yang billion in 2024. Information on the Company’s capital goods
dilakukan Perseroan selama 2 tahun terakhir diuraikan investment over the past 2 years is presented as follows.
sebagai berikut.
154 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
(dalam miliar Rupiah / in billion Rupiah)
Tujuan
Jenis Barang Modal 2025 2024 Type of Capital Goods
Purpose
Bangunan 0,17 - Building
Kendaraan Bermotor 3,71 5,76 Motor Vehicles
Pendukung
Peralatan Kantor Operasional 0,50 0,72 Office Equipment
Komputer Operational 5,70 1,28 Computer
Support
Prasarana Kantor - - Office Facilities
Jumlah 10,08 7,76 Total
Informasi Material terkait Investasi, Material Information on Investment,
Ekspansi, Divestasi, Penggabungan/ Expansion, Divestment, Business
Peleburan Usaha, Akuisisi, dan Merger/Consolidation, Acquisition,
Restrukturisasi Utang/Modal and Debt/Capital Restructuring
Investasi Instrumen Keuangan Financial Instrument Investment
Perseroan melakukan investasi pada instrumen keuangan The Company invests in financial instruments as part of its
sebagai bagian dari strategi pengelolaan aset untuk asset management strategy to support corporate growth
mendukung pertumbuhan dan likuiditas perusahaan. and liquidity. These investments are selected in accordance
Investasi ini dipilih dengan mempertimbangkan prinsip with the principles of prudence and the policies that have
kehati-hatian dan sesuai dengan kebijakan yang telah been established, ensuring that they contribute positively
ditetapkan, sehingga dapat memberikan kontribusi positif to sustainable financial performance. Information regarding
terhadap kinerja keuangan secara berkelanjutan. Informasi the Company’s financial instrument investments over
mengenai investasi instrumen keuangan yang dilakukan the past two years is described as follows.
Perseroan selama 2 tahun terakhir diuraikan sebagai berikut.
(dalam miliar Rupiah / in billion Rupiah)
Uraian 2025 2024 Description
Efek 1.368,33 1.003,98 Marketable Securities
Deposito Berjangka 620,68 433,04 Time Deposits
Properti Investasi 86,65 87,14 Investment Properties
Investasi Lain 2,50 - Other Investments
Penyertaan Saham 1,13 1,11 Investment in Share
Jumlah 2.079,30 1.525,27 Total
Uraian lebih lengkap mengenai investasi instrumen keuangan A more complete description of investment in financial
diungkapkan dalam Catatan No. 7 Laporan Keuangan instruments is disclosed in the Note No. 7 of the Company’s
Perseroan. Financial Statements.
Dewan Komisaris, Direksi, dan Komite Audit telah memastikan The Board of Commissioners, Board of Directors, and
bahwa transaksi tersebut dilakukan secara adil dan sesuai Audit Committee have ensured that the transactions were
dengan standar praktik bisnis yang umum diterapkan. conducted fairly and in accordance with generally accepted
business practices.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 155
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Analisis dan Pembahasan Manajemen
Divestasi Divestment
Sepanjang tahun 2025, Perseroan tidak melakukan divestasi, Throughout 2025, the Company did not carry out any divestment
sehingga seluruh kepemilikan investasi tetap terjaga dan activities. Therefore, all investment holdings remained intact and
dikelola sesuai dengan kebijakan perusahaan. were managed following the company’s policies.
Pengembangan Bisnis Business Development
Perseroan terus mengembangkan bisnis dengan menambah The Company continues to develop its business by
mitra strategis di berbagai bidang, termasuk mitra pemasaran, expanding its network of strategic partners across various
seperti broker, agen, perusahaan fintech, bank, leasing, sectors, including marketing partners, such as brokers,
dan e-commerce. Selain itu, Perseroan juga memperluas agents, fintech companies, banks, leasing companies,
jaringan mitra operasional yang, meliputi bengkel rekanan, and e-commerce platforms. In addition, the Company has
rumah sakit, klinik, perusahaan reasuransi, loss adjuster, broadened its operational partner network, which includes
dan penyedia layanan TI, guna mendukung kelancaran partner workshops, hospitals, clinics, reinsurance companies,
operasional dan meningkatkan kualitas layanan. loss adjusters, and IT service providers, to support smooth
operations and enhance service quality.
Penggabungan atau Peleburan Usaha Business Merger or Consolidation
Sepanjang tahun 2025, Perseroan tidak melakukan Throughout 2025, the Company did not engage in
penggabungan maupun peleburan usaha, sehingga any mergers or consolidations, thereby the Company’s
kegiatan operasional dan struktur Perseroan tetap berjalan operations and organizational structure continued to operate
secara independen tanpa adanya perubahan melalui proses independently without any changes arising from such
tersebut. processes.
Akuisisi Acquisition
Sepanjang tahun 2025, Perseroan tidak melakukan kegiatan Throughout 2025, the Company did not undertake any
akuisisi, sehingga fokus Perseroan tetap pada pengelolaan acquisition activities, thereby the Company remained
dan pengembangan bisnis yang sudah berjalan tanpa focused on managing and developing its existing business
melakukan penggabungan atau pengambilalihan entitas without merging with or acquiring new entities.
baru.
Restrukturisasi Utang/Modal Debt/Capital Restructuring
Sepanjang tahun 2025, Perseroan tidak melakukan Throughout 2025, the Company did not carry out any debt
restrukturisasi utang maupun modal, sehingga struktur or capital restructuring, thereby the Company’s financial
keuangan Perseroan tetap stabil dan tidak mengalami structure remained stable and did not undergo any significant
perubahan signifikan selama periode tersebut. changes during the reporting period.
Transaksi Material yang Mengandung Material Transactions Containing
Benturan Kepentingan atau Transaksi Conflict of Interest or Transactions
dengan Pihak Afiliasi/Pihak Berelasi with Affiliated/Related Parties
Informasi Transaksi Material yang Information on Material Transactions
Mengandung Benturan Kepentingan Containing Conflict of Interest
Sepanjang tahun 2025, Perseroan tidak memiliki transaksi Throughout 2025, the Company did not make any material
material yang mengandung benturan kepentingan. transactions containing conflicts of interest.
Informasi Transaksi dengan Pihak Afiliasi Information on Transactions with
Affiliated Parties
Sepanjang tahun 2025, Perseroan melaksanakan 18 transaksi Throughout 2025, the Company carried out 18 transactions
dengan pihak afiliasi sebagaimana diuraikan sebagai berikut. with affiliated parties, as outlined below.
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Management Discussion and Analysis
Nilai Transaksi
Jenis Transaksi Pihak Afiliasi (Rp Miliar) Sifat Hubungan
No.
Type of Transaction Affiliated Party Transaction Value Nature of Affiliation
(Billion Rp)
Entitas Sepengendali
1. PT Bank Nationalnobu Tbk 6,95
Under Common Control
Entitas Sepengendali
2. PT Hanwha Mining Services Indonesia 3,19
Pendapatan Jasa Asuransi Under Common Control
Insurance Service Revenue Pemegang Saham
3. PT Inti Anugerah Pratama 0,21
Majority Shareholder
Pemegang Saham
4. PT Hanwha Life Insurance Indonesia (1,44)
Majority Shareholder
Entitas Sepengendali
5. PT Bank Nationalnobu Tbk 8,06
Under Common Control
Beban Jasa Asuransi Pemegang Saham
6. PT Inti Anugerah Pratama 0,41
Insurance Service Expense Majority Shareholder
Entitas Sepengendali
7. PT Hanwha Mining Services Indonesia 0,19
Under Common Control
Beban Kontrak Reasuransi Milikan Entitas Induk
8. Hanwha General Insurance Co., Ltd. 3,48
Reinsurance Contract Expense Parent Entity
Entitas Sepengendali
9. PT Ciptadana Asset Management 4,03
Hasil Investasi Under Common Control
Investment Result Entitas Sepengendali
10. PT Bank Nationalnobu Tbk 3,10
Under Common Control
Kas di Bank Entitas Sepengendali
11. PT Bank Nationalnobu Tbk 0,71
Cash in Bank Under Common Control
Deposito Berjangka Entitas Sepengendali
12. PT Bank Nationalnobu Tbk 56,00
Time Deposits Under Common Control
Reksa Dana Entitas Sepengendali
13. PT Ciptadana Asset Management 57,14
Mutual Funds Under Common Control
Aset Kontrak Reasuransi Entitas Induk
14. Hanwha General Insurance Co., Ltd. 4,70
Reinsurance Contract Asset Parent Entity
Entitas Sepengendali
15. PT Bank Nationalnobu Tbk 5,05
Under Common Control
Entitas Sepengendali
16. PT Hanwha Mining Services Indonesia 0,71
Liabilitas Kontrak Asuransi Under Common Control
Insurance Contract Liability Pemegang Saham
17. PT Inti Anugerah Pratama 0,02
Majority Shareholder
Pemegang Saham
18. PT Hanwha Life Insurance Indonesia 0,95
Majority Shareholder
Transaksi Pihak Afiliasi yang Menghasilkan Affiliated Transactions or Material
Pendapatan Usaha dan Dijalankan secara Transactions Generating Operating
Rutin, Berulang, dan/atau Berkelanjutan Revenue and Executed Routinely, Regularly,
and/or Continuously
Sementara itu, untuk transaksi material atau transaksi dengan With respect to material transactions or transactions with
pihak afiliasi yang merupakan kegiatan usaha yang dijalankan affiliated parties that constitute business activities carried
dalam rangka menghasilkan pendapatan usaha dan out to generate operating revenue and are conducted on
dijalankan secara rutin, berulang, dan/atau berkelanjutan, a routine, recurring, and/or ongoing basis, the Company
Perseroan telah mengungkapkannya sebagaimana has disclosed such transactions through the explanations of
penjelasan saldo dan transaksi dengan pihak berelasi yang balances and transactions with related parties as presented
tertuang dalam Laporan Keuangan Konsolidasian Perseroan in the Company’s Consolidated Financial Statements for
untuk tahun buku yang berakhir pada 31 Desember 2025 the financial years ended December 31st, 2025 and 2024,
dan 2024 sebagaimana berikut. as listed below.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 157
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Analisis dan Pembahasan Manajemen
Pihak Berelasi Sifat Hubungan Jenis Transaksi
Related Parties Nature of Relationship Type of Transaction
Hanwha General Insurance Co. Ltd. Entitas Induk Aset Kontrak Reasuransi dan Beban dari Kontrak Reasuransi Milikan
Parent Entity Reinsurance Contract Assets and Reinsurance Contract Expense
PT Inti Anugerah Pratama Pemegang Saham Pendapatan Jasa Asuransi, Beban Jasa Asuransi, dan Liabilitas Kontrak Asuransi
Majority Shareholder Insurance Service Revenue, Insurance Service Expense and Insurance
Contract Liabilities
PT Hanwha Life Insurance Pemegang Saham Pendapatan Jasa Asuransi dan Liabilitas Kontrak Asuransi
Indonesia Majority Shareholder Insurance Service Revenue and Insurance Contract Liabilities
PT Hanwha Mining Services Entitas Sepengendali Pendapatan Jasa Asuransi, Beban Jasa Asuransi, dan Liabilitas Kontrak Asuransi
Indonesia Under Common Control Insurance Service Revenue, Insurance Service Expense and Insurance
Contract Liabilities
PT Bank Nationalnobu Tbk*) Entitas Sepengendali Kas di Bank, Deposito Berjangka, Pendapatan Jasa Asuransi, Beban Jasa
Under Common Control Asuransi, Hasil Investasi, dan Liabilitas Kontrak Asuransi
Cash in Banks, Time Deposit, Insurance Service Revenue, Insurance Service
Expense, Investment Income, and Insurance Contract Liabilities
PT Ciptadana Asset Management*) Entitas Sepengendali Reksa Dana, Pendapatan Jasa Asuransi, Beban Jasa Asuransi, Hasil Investasi,
Under Common Control dan Liabilitas Kontrak Asuransi
Mutual Fund, Insurance Service Revenue and Insurance Service Expense,
Investment Income, and Insurance Contract Liabilities
PT Ciptadana Sekuritas Asia*) Entitas Sepengendali Pendapatan Jasa Asuransi, Beban Jasa Asuransi, dan Liabilitas Kontrak Asuransi
Under Common Control Insurance Service Revenue and Insurance Service Expense, and Insurance
Contract Liabilities
Carrot General Insurance Co. Ltd. Entitas Sepengendali Aset Lain-Lain
Under Common Control Other Assets
*)
Menjadi pihak berelasi sejak tahun 2025 sehubungan dengan akuisisi PT Bank Nationalnobu Tbk oleh Hanwha Life Insurance Co. Ltd. yang merupakan entitas sepengendali
dengan Perseroan. / Became a related party starting in 2025 in connection with the acquisition of PT Bank Nationalnobu Tbk by Hanwha Life Insurance Co., Ltd., which is an entity
under common control with the Company.
Rincian transaksi dengan pihak berelasi diungkapkan dalam Details of transactions with related parties are disclosed in
Catatan No. 28 Laporan Keuangan Perseroan. Note No. 28 to the Company’s Financial Statements.
Kewajaran Transaksi Fairness of Transaction
Setiap transaksi yang dilakukan dengan pihak afiliasi Each transaction conducted with affiliated parties is based
dilandasi prinsip kewajaran dan tidak didasari oleh tujuan on the principle of fairness and is not driven by any specific
khusus maupun kepentingan pribadi pihak tertentu yang purpose or personal interest of any party that could cause
dapat menimbulkan benturan kepentingan bagi Perseroan conflicts of interest for the Company or its Majority or
maupun Pemegang Saham Mayoritas ataupun Minoritas. Minority Shareholders. Such transactions are carried out in
Transaksi tersebut dijalankan sebagaimana layaknya transaksi the ordinary course of business (arm’s length transactions),
bisnis pada umumnya (arm’s length transaction), tanpa without any preferential treatment, thereby reflecting
adanya perlakuan istimewa, sehingga tetap mencerminkan professionalism, independence, and compliance with
profesionalisme, independensi, dan kepatuhan terhadap applicable regulations.
regulasi yang berlaku.
Pemenuhan Peraturan dan Ketentuan Terkait Fulfillment of Relevant Regulations and
Provisions
Perseroan telah memenuhi peraturan dan ketentuan terkait: The Company has complied with the relevant regulations
and provisions:
1. Peraturan OJK No. 17/POJK.04/2020 tentang Transaksi 1. OJK Regulation No. 17/POJK.04/2020 on Material
Material dan Perubahan Kegiatan Usaha; serta Transactions and Changes in Business Activities; and
2. Peraturan OJK No. 42/POJK.04/2020 tentang Transaksi 2. OJK Regulation No. 42/POJK.04/2020 on Affiliated
Afiliasi dan Transaksi Benturan Kepentingan. Transactions and Conflict of Interest Transactions.
Pernyataan Dewan Komisaris dan Direksi atas Statement of the Board of Commissioners and
Transaksi Afiliasi Board of Directors on Affiliated Transactions
Dewan Komisaris, Direksi, dan Komite Audit menyatakan The Board of Commissioners, Board of Directors, and Audit
bahwa seluruh transaksi yang dilakukan Perseroan dengan Committee have stated that all transactions entered into by
pihak afiliasi telah dilaksanakan secara wajar, tanpa the Company with affiliated parties have been conducted
158 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Management Discussion and Analysis
mengandung benturan kepentingan, dan sesuai dengan fairly, without any conflicts of interest, and are in accordance
praktik bisnis yang berlaku secara umum. with generally accepted business practices.
Transaksi Pihak Afiliasi dan/atau Transaksi Transactions with Affiliated Parties
Benturan Kepentingan yang Membutuhkan and/or Transactions Containing Conflict
Persetujuan dari Pemegang Saham of Interest Requiring Approval from
Independen Independent Shareholders
Sepanjang tahun 2025, Perseroan tidak melakukan transaksi Throughout 2025, the Company did not enter into any
dengan pihak afiliasi dan/atau transaksi yang mengandung transactions with affiliated parties and/or transactions
benturan kepentingan yang memerlukan persetujuan dari involving conflicts of interest that required approval from
Pemegang Saham Independen. Seluruh kegiatan usaha Independent Shareholders. All business activities were
dijalankan sesuai ketentuan dan tidak melibatkan transaksi carried out in accordance with applicable regulations and did
material yang mensyaratkan persetujuan khusus. not involve material transactions requiring special approval.
Informasi Keuangan yang Mengandung Financial Information Containing
Kejadian yang Sifatnya Luar Biasa dan Extraordinary and Non-Recurring Events
Jarang Terjadi
Pada tahun 2025, tidak terdapat informasi keuangan yang In 2025, there was no financial information involving
mengandung kejadian yang sifatnya luar biasa atau peristiwa extraordinary or non-recurring events. This indicates that
yang bersifat jarang terjadi. Hal ini menunjukkan bahwa the Company’s operational activities and financial conditions
aktivitas operasional dan kondisi keuangan Perseroan were conducted under normal circumstances and in line
berjalan secara normal dan sesuai dengan pola bisnis yang with routine business patterns, without any disruptions or
rutin, tanpa adanya gangguan atau peristiwa signifikan yang significant events that had a material impact on the Financial
berdampak secara material pada Laporan Keuangan. Statements.
Perbandingan Target dan Realisasi 2025, Comparison of 2025 Target and
serta Proyeksi 2026 Realization, and 2026 Projection
Sebagai bagian dari komitmen terhadap transparansi dan As part of its commitment to transparency and accountability,
akuntabilitas, Perseroan menyajikan perbandingan antara the Company presents a comparison between performance
target dan realisasi kinerja tahun 2025, serta proyeksi untuk targets and actual results for 2025, as well as projections for
tahun 2026. Uraian ini memberikan gambaran umum 2026. This discussion provides an overview of the achievements
atas pencapaian sepanjang tahun berjalan dan rencana throughout the year and the strategic plans formulated to
strategis yang telah disusun guna mendukung pertumbuhan support sustainable growth in the coming year, in line with
berkelanjutan di tahun mendatang, sejalan dengan dinamika developments in the insurance industry and the Company’s
industri asuransi dan arah pengembangan usaha Perseroan. business direction.
Informasi mengenai perbandingan target dan realisasi 2025, Information regarding the comparison of 2025 targets and
serta proyeksi 2026 diuraikan sebagai berikut. realization, as well as the 2026 projections, is presented as
follows.
(dalam miliar Rupiah, kecuali dinyatakan lain / in billion Rupiah, unless otherwise stated)
Pencapaian Target 2025
Target Achievement 2025
Proyeksi 2026
Uraian Description
Pencapaian Target 2026 Projection
Realisasi
Target Target Achievement
Realization
(%)
Investasi 2.079,30 1.403,99 148,10 1.986,08 Investment
Pendapatan Jasa Asuransi 3.769,97 3.035,60 124,19 3.637,02 Insurance Service Revenue
Hasil Investasi 97,20 64,90 149,77 104,34 Investment Income
Beban Jasa Asuransi (3.424,54) (2.917,75) 117,37 (3.357,33) Insurance Service Expense
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 159
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Analisis dan Pembahasan Manajemen
Pencapaian Target 2025
Target Achievement 2025
Proyeksi 2026
Uraian Description
Pencapaian Target 2026 Projection
Realisasi
Target Target Achievement
Realization
(%)
Laba Sebelum Pajak 168,48 60,56 278,20 163,54 Profit Before Tax
Laba Tahun Berjalan 144,73 55,57 260,43 151,57 Profit for the Year
Laba Komprehensif 145,45 55,57 261,74 151,57 Comprehensive Income
Aset Kontrak Reasuransi 878,68 850,60 103,30 631,54 Reinsurance Contract Asset
Liabilitas Kontrak Asuransi 1.820,85 1.530,97 118,93 2.157,51 Insurance Contract Liability
Realisasi dan Proyeksi Kebijakan Dividen / Realization and Projection of Dividend Policy
Perseroan tidak menetapkan target khusus mengenai pembagian dividen yang akan dibayarkan pada tahun buku maupun proyeksi 2026. Keputusan
mengenai pembagian dividen akan ditentukan dalam RUPS dengan mempertimbangkan kinerja keuangan Perseroan.
The Company has not set any specific targets regarding dividend distributions for the 2026 financial year or projections. Decisions on dividend
distributions will be determined at the GMS by considering the Company’s financial performance.
Realisasi dan Proyeksi Struktur Modal / Realization and Projection of Capital Structure
Perseroan tidak menetapkan target khusus mengenai struktur modal yang harus dicapai pada tahun buku maupun proyeksi untuk tahun 2026. Namun
demikian, Perseroan tetap menjaga angka MMBR di atas ketentuan minimum yang ditetapkan regulator. Selain itu, penentuan kebijakan proporsi
liabilitas dengan ekuitas juga senantiasa dijaga dengan baik.
The Company has not established any specific targets for the capital structure to be achieved in the 2026 financial year or projections. Nevertheless,
the Company consistently maintains its MMBR ratio above the minimum requirement stipulated by the regulator. In addition, the Company continuously
ensures that the proportion between liabilities and equity is properly managed.
Kebijakan dan Pembagian Dividen Dividend Policy and Distribution
Kebijakan Dividen Dividend Policy
Kebijakan pembagian dividen oleh Perseroan dilakukan The Company’s dividend distribution policy is implemented in
sesuai dengan peraturan perundang-undangan di Indonesia accordance with prevailing laws and regulations in Indonesia
dan ketentuan dalam Anggaran Dasar Perseroan. Keputusan and the provisions outlined in the Company’s Articles of
pembagian dividen ditetapkan melalui persetujuan Pemegang Association. The decisions on dividend distribution are
Saham pada RUPS Tahunan, berdasarkan rekomendasi dari approved by the Shareholders at the Annual GMS, based on
Direksi. Perseroan hanya membagikan dividen pada tahun di recommendations from the Board of Directors. The Company
mana mencatatkan laba bersih sebagai bentuk penghargaan distributes dividends only in years in which it records net
kepada para Pemegang Saham. income, as a form of appreciation to its Shareholders.
Pembagian Dividen Dividend Distribution
Pembagian dividen merupakan salah satu bentuk distribusi Dividend distribution represents one form of the Company’s
keuntungan Perseroan kepada para Pemegang Saham profit distribution to Shareholders resulting from positive
sebagai hasil dari kinerja keuangan yang positif. Informasi financial performance. Information regarding dividend
mengenai pembagian dividen yang dilakukan Perseroan distributions made by the Company over the last 2 years is
selama 2 tahun terakhir diuraikan sebagai berikut. presented as follows.
Jumlah Dividen
Jumlah Dividen
per Saham
per Tahun
Tanggal Pembayaran (dalam Rupiah
Tahun Buku (dalam miliar Rupiah) Rasio Dividen
Dividen penuh)
Financial Year Total Dividend Dividend Ratio
Dividend Payment Date Total Dividend
per Year
per Share
(in billion Rupiah)
(in full Rupiah)
31 Mei 2024 32,54% dari laba bersih
2023 27 8,10
May 31st, 2024 32.54% of net profit
28 Mei 2025 28,89% dari laba bersih
2024 6 18,00
May 28th, 2025 28.89% of net profit
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Management Discussion and Analysis
Perubahan Kebijakan Akuntansi Amendments to Accounting Principles
Sepanjang tahun 2025, Perseroan melakukan evaluasi Throughout 2025, the Company conducted evaluations of
terhadap kebijakan akuntansi yang diterapkan untuk the accounting policies applied to ensure their compliance
memastikan kesesuaian dengan standar akuntansi yang with prevailing accounting standards and industry best
berlaku dan praktik terbaik di industri. Setiap perubahan practices. Any changes to accounting policies were made to
kebijakan akuntansi yang dilakukan bertujuan untuk enhance transparency and accuracy of financial reporting, as
meningkatkan transparansi dan akurasi pelaporan keuangan, well as to more appropriately reflect the Company’s financial
serta mencerminkan kondisi keuangan Perseroan secara lebih condition. Information regarding changes in accounting
tepat. Informasi mengenai perubahan kebijakan akuntansi policies and their impact on the Company is presented as
dan dampak terhadap Perseroan diuraikan sebagai berikut. follows.
ISAK/Amandemen PSAK Dampak terhadap Perseroan
Amendment to ISAK/PSAK Impact on the Company
PSAK No. 117 tentang “Kontrak Asuransi” Berdampak material terhadap Laporan Keuangan Perseroan.
PSAK No. 117 on “Insurance Contracts” Has a material impact on the Company's Financial Statements.
Alasan Perubahan Kebijakan Akuntansi Reasons for Changes in Accounting Policies
Perubahan kebijakan akuntansi dilakukan untuk Changes in accounting policies were implemented to align
menyesuaikan dengan perkembangan standar akuntansi with the latest developments in accounting standards and to
yang terbaru dan untuk meningkatkan kualitas pelaporan improve the quality of the Company’s financial reporting. This
keuangan Perseroan. Langkah ini diambil agar Laporan measure was taken to ensure that the Financial Statements
Keuangan lebih mencerminkan kondisi keuangan yang more accurately reflect the Company’s actual financial
sebenarnya dan dapat memberikan informasi yang lebih condition and provide more relevant and reliable information
relevan dan andal bagi para pemangku kepentingan. to stakeholders.
Perubahan Peraturan Perundang- Amendments to Laws and Regulations
Undangan yang Berdampak Signifikan that have Significant Impact on
terhadap Perusahaan the Company
Perubahan peraturan perundang-undangan yang terjadi Amendments to laws and regulations that occurred
sepanjang tahun 2025 memberikan dampak signifikan throughout 2025 had a significant impact on the Company.
terhadap Perseroan. Perseroan secara aktif menyesuaikan The Company proactively adjusted its internal policies and
kebijakan dan prosedur internal guna memenuhi ketentuan procedures to comply with these new requirements, thereby
baru tersebut, sehingga tetap mematuhi regulasi yang ensuring ongoing regulatory compliance, business continuity,
berlaku dan menjaga kelangsungan usaha serta kepatuhan and overall legal adherence. Information regarding changes
hukum secara menyeluruh. Informasi mengenai perubahan in laws and regulations affecting the Company and their
peraturan perundang-undangan yang berpengaruh impacts is outlined below.
terhadap Perseroan dan dampaknya diuraikan sebagai
berikut.
Undang-Undang Dampak terhadap Perseroan
Laws Impact on the Company
Undang-Undang / Laws
Undang-Undang No. 20 Tahun 2025 tentang Kitab Menetapkan Perseroan sebagai subjek pidana sejak tahap penyelidikan hingga
Undang-Undang Hukum Acara Pidana pelaksanaan putusan, memperluas penerapan upaya paksa terhadap korporasi termasuk
penggeledahan, penyitaan, pemblokiran aset, dan pemeriksaan data elektronik, serta
memperluas pertanggungjawaban pidana hingga pengurus dan pihak pengendali.
Ketentuan ini meningkatkan eksposur hukum, risiko finansial dan reputasi, serta potensi
sanksi yang dapat memengaruhi keberlanjutan usaha, sekaligus memperkenalkan
mekanisme penyelesaian seperti Deferred Prosecution Aggreement dan pengakuan
bersalah sebagai opsi mitigasi risiko.
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Analisis dan Pembahasan Manajemen
Undang-Undang Dampak terhadap Perseroan
Laws Impact on the Company
Law No. 20 of 2025 on the Criminal Procedure Code Designating the Company as a criminal subject from the investigation stage to the execution
of the verdict, expanding the application of coercive measures against corporations,
including searches, seizures, asset blocking, and electronic data inspections, and
extending criminal liability to management and controlling parties. This provision increases
legal exposure, financial and reputational risks, and potential sanctions that could impact
business continuity. It also introduces settlement mechanisms such as Deferred Prosecution
Agreement and guilty plea as risk mitigation options.
Peraturan Pemerintah / Government Regulations
Peraturan Pemerintah No. 43 Tahun 2025 tentang Mewajibkan Perseroan menyusun dan menyampaikan Laporan Keuangan melalui sistem
Pelaporan Keuangan Platform Bersama Pelaporan Keuangan (PBPK) dalam kerangka pelaporan nasional
terintegrasi, menyesuaikan dengan standar yang ditetapkan Komite Standar, dan
menegaskan tanggung jawab atas kebenaran serta keakuratan laporan. Ketentuan ini
mendorong penguatan pengendalian internal, integrasi sistem pelaporan, dan peningkatan
koordinasi antar fungsi dengan potensi peningkatan biaya kepatuhan pada tahap awal serta
penguatan transparansi, efisiensi, dan tata kelola dalam jangka panjang.
Government Regulation No. 43 of 2025 on Financial Requiring the Company to prepare and submit financial statements through the Joint
Reporting Financial Reporting Platform (PBPK) within an integrated national reporting framework,
aligning with standards established by the Standards Committee, and affirming responsibility
for the truth and accuracy of the reports. This provision encourages strengthening internal
control, integrating reporting system, and enhancing coordination between functions,
potentially increasing compliance costs initially and strengthening transparency, efficiency,
and governance in the long term.
Peraturan Menteri / Ministerial Regulations
Peraturan Menteri Hukum No. 49 Tahun 2025 tentang Memperketat kewajiban pengungkapan dan pemutakhiran data serta pelaporan Perseroan
Syarat dan Tata Cara Pendirian, Perubahan, dan melalui Sistem Administrasi Badan Hukum (SABH) dengan penegasan tenggat waktu
Pembubaran Badan Hukum Perseroan Terbatas dan konsekuensi administratif berupa sanksi maupun pembatasan akses sistem apabila
kewajiban tersebut tidak dipenuhi.
Minister of Law Regulation No. 49 of 2025 on Tightening the obligation to disclose and update data and reporting of the Company
Requirements and Procedures for the Establishment, through the Legal Entity Administration System (SABH) by confirming deadlines and
Amendment, and Dissolution of Limited Liability administrative consequences in the form of sanctions or restrictions on system access if
Companies these obligations are not met.
Otoritas Jasa Keuangan / Financial Services Authority
Peraturan OJK No. 26 Tahun 2025 tentang Peraturan OJK No. 26 Tahun 2025 memperketat industri asuransi dengan mewajibkan
Pengelolaan Aset dan Liabilitas Perusahaan Asuransi perhitungan kewajiban dan cadangan yang lebih realistis, memastikan aset yang dimiliki
dan Perusahaan Reasuransi cukup, likuid, dan bebas masalah untuk membayar klaim, serta memperkuat pengawasan
OJK atas kesehatan keuangan perusahaan. Aturan ini juga membatasi pengakuan pinjaman
subordinasi, meningkatkan kewajiban transparansi laporan disertai sanksi yang lebih tegas,
dan memperkuat perlindungan nasabah, sehingga perusahaan asuransi dituntut lebih
disiplin, transparan, dan bertanggung jawab kepada pemegang polis.
OJK Regulation No. 26 of 2025 on Management of OJK Regulation No. 26 of 2025 tightens the insurance industry by requiring more realistic
Assets and Liabilities of Insurance and Reinsurance calculations of liabilities and reserves, ensuring sufficient, liquid, and problem-free assets
Companies to pay claims, and strengthening OJK oversight of companies' financial soundness.
This regulation also limits the recognition of subordinated loans, increases reporting
transparency requirements with stricter sanctions, and strengthens customer protection,
requiring insurance companies to be more disciplined, transparent, and accountable to
policyholders.
Peraturan OJK No. 28 Tahun 2025 tentang Penerapan Memperkuat penerapan manajemen risiko yang terintegrasi dan selaras dengan strategi
Manajemen Risiko bagi Perusahaan Perasuransian, bisnis, termasuk melalui penajaman proses identifikasi, pengukuran, dan pengendalian
Lembaga Penjamin, dan Dana Pensiun risiko di seluruh lini operasional. Regulasi ini juga meningkatkan peran aktif Direksi dan
Dewan Komisaris dalam pengawasan risiko, serta menuntut peningkatan kualitas pelaporan
dan tata kelola risiko yang lebih transparan dan akuntabel. Secara keseluruhan, ketentuan
ini memperkuat kesiapan LGI dalam menghadapi kompleksitas risiko, termasuk dalam masa
transisi penerapan PSAK 117.
OJK Regulation No. 28 of 2025 on Implementation Strengthening the implementation of integrated risk management that is aligned with
of Risk Management for Insurance Companies, business strategy, including by sharpening risk identification, measurement, and control
Guarantee Institutions, and Pension Funds process across all operational lines. This regulation also increases the active role of
the Board of Directors and the Board of Commissioners in risk oversight and requires
improved reporting quality and more transparent and accountable risk governance. Overall,
these provisions strengthen LGI's readiness to face the complexity of risks, including during
the transition period to the implementation of PSAK 117.
Peraturan OJK No. 33 Tahun 2025 tentang Penilaian Memperkuat mekanisme penilaian tingkat kesehatan dan pengawasan perusahaan
Tingkat Kesehatan Perusahaan Perasuransian, perasuransian, termasuk penegasan sanksi administratif atas keterlambatan atau
Lembaga Penjamin, dan Dana Pensiun ketidakpatuhan pelaporan, tanpa mengubah secara signifikan praktik kepatuhan dan tata
kelola yang telah berjalan di Perseroan.
OJK Regulation No. 33 of 2025 on Assessment of Strengthening the soundness assessment mechanism and supervision of insurance
the Soundness Level of Insurance Companies, companies, including enforcement of administrative sanctions for late or non-compliance
Guarantee Institutions, and Pension Funds with reporting, without significantly changing the compliance and governance practices
that have been implemented in the Company.
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Management Discussion and Analysis
Undang-Undang Dampak terhadap Perseroan
Laws Impact on the Company
Peraturan OJK No. 36 Tahun 2025 tentang Penguatan Mewajibkan Perseroan menyesuaikan tata kelola dan kebijakan internal, termasuk
Ekosistem Asuransi Kesehatan pembentukan fungsi Dewan Penasihat Medis, penyempurnaan SOP, dan penyesuaian
produk serta ketentuan polis asuransi kesehatan. Ketentuan ini juga memperkuat
pengaturan proses underwriting, pengelolaan klaim, penetapan premi, kerja sama dengan
mitra layanan kesehatan, kesiapan sistem teknologi informasi, dan perlindungan nasabah.
Ketidakpatuhan terhadap peraturan ini berpotensi menimbulkan sanksi administratif dan
pembatasan kegiatan usaha.
OJK Regulation No. 36 of 2025 on Strengthening Requiring the Company to adjust its internal governance and policies, including
the Health Insurance Ecosystem establishing a Medical Advisory Board, refining standard operating procedures (SOPs), and
adjusting health insurance products and policy provisions. This provision also strengthens
the underwriting process, claims management, premium determination, collaboration with
healthcare partners, information technology system readiness, and customer protection.
Failure to comply with this regulation could result in administrative sanctions and restrictions
on business activities.
Peraturan OJK No. 38 Tahun 2025 tentang Gugatan Memberikan kewenangan kepada OJK untuk mengajukan gugatan perdata secara
oleh OJK untuk Pelindungan Konsumen di Sektor Jasa langsung demi kepentingan pelindungan nasabah, sehingga meningkatkan eksposur
Keuangan hukum, risiko keuangan, dan risiko reputasi Perseroan. Ketentuan ini juga memperluas
potensi pertanggungjawaban hingga pengendali atau pemilik manfaat, serta menimbulkan
konsekuensi publikasi perkara yang dapat berdampak pada kepercayaan publik dan
stabilitas usaha.
OJK Regulation No. 38 of 2025 on Lawsuits by OJK for Granting OJK the authority to file civil lawsuits directly for customer protection, thereby
Consumer Protection in the Financial Services Sector increasing the Company’s legal exposure, financial risk, and reputational risk. This provision
also extends potential liability to controllers or beneficial owners and carries the potential
for publicizing cases that could impact public trust and business stability.
Peristiwa Penting dan Informasi Material Significant Events and Material Information
setelah Tanggal Laporan Keuangan Subsequent to the Date of the Financial
Statements
Setelah Laporan Keuangan diterbitkan, Perseroan tidak After the issuance of the Financial Statements, the Company
mengalami peristiwa penting atau informasi material yang did not experience any significant events or material
memengaruhi kondisi keuangan maupun operasional information that affected its financial condition or operations.
perusahaan. Dengan demikian, Laporan Keuangan yang Accordingly, the Financial Statements presented continue
disajikan tetap mencerminkan posisi dan kinerja Perseroan to accurately reflect the Company’s financial position and
secara akurat. performance.
Prospek Usaha Tahun 2026 Business Prospects in 2026
Tahun 2026 diprediksi akan menjadi periode yang 2026 is expected to be a period filled with opportunities for
penuh peluang bagi industri asuransi, seiring dengan the insurance industry, in line with increasing public awareness
meningkatnya kesadaran masyarakat akan pentingnya of the importance of financial protection. The accelerating
perlindungan finansial. Tren digitalisasi yang semakin pesat trend of digitalization also opens opportunities for innovation
juga membuka ruang bagi inovasi produk dan layanan in insurance products and services that are more efficient and
asuransi yang lebih efisien dan mudah diakses. Perseroan easily accessible. The Company is committed to capitalizing
berkomitmen untuk memanfaatkan momentum ini dengan on this momentum by continuously developing technology
terus mengembangkan teknologi dan memperluas and expanding its distribution network to reach a broader
jaringan distribusi guna menjangkau lebih banyak nasabah customer base across various market segments.
di berbagai segmen pasar.
Selain itu, kondisi ekonomi nasional yang berdaya tahan Furthermore, a resilient national economic environment
diharapkan dapat mendorong pertumbuhan permintaan produk is expected to support growth in demand for insurance
asuransi, terutama di sektor-sektor strategis, seperti kesehatan, products, particularly in strategic sectors, such as health,
kendaraan, dan properti. Regulasi yang semakin mendukung motor vehicles, and property. Increasingly supportive
juga akan memperkuat fondasi industri, memberikan kepastian regulations will further strengthen the industry’s foundation,
bagi pelaku usaha untuk berinovasi sekaligus menjaga stabilitas providing greater certainty for industry players to innovate
pasar. Dalam menghadapi persaingan yang semakin ketat, while maintaining market stability. In facing increasingly
Perseroan akan terus memperkuat keunggulan kompetitif tough competition, the Company will continue to strengthen
melalui peningkatan kualitas layanan dan diversifikasi produk its competitive advantages by improving service quality and
sesuai kebutuhan nasabah. product diversification tailored to customer needs.
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Fokus utama Perseroan pada tahun 2026 adalah The Company’s primary focus in 2026 is sustainable
pengembangan bisnis yang berkelanjutan dengan tetap business development while consistently upholding
mengedepankan prinsip manajemen risiko yang prudent. prudent risk management principles. Enhancing HR
Peningkatan kapabilitas SDM dan optimalisasi proses capabilities and optimizing operational processes remain
operasional menjadi prioritas agar dapat memberikan nilai key priorities to deliver added value to stakeholders. With
tambah bagi para pemangku kepentingan. Dengan langkah well-planned strategic initiatives and an adaptive approach to
strategis yang terencana dan adaptif terhadap perubahan market changes, the Company is optimistic about achieving
pasar, Perseroan optimis dapat meraih pertumbuhan yang positive growth and strengthening its position as a leading
positif dan memperkuat posisi sebagai pemain utama di player in the insurance industry.
industri asuransi.
Strategi Pengembangan Bisnis Tahun 2026 Business Development Strategy for 2026
Untuk tahun 2026, Perseroan telah menetapkan strategi For 2026, the Company has established its business strategies,
bisnis yang akan ditempuh, di antaranya: among others:
1. Analisis Posisi Perusahaan dalam Menghadapi 1. Analysis of the Company's Position in Facing Business
Persaingan Usaha Competition
Memasuki tahun 2026, industri asuransi umum Entering 2026, the general insurance industry in
di Indonesia berada pada kondisi red ocean, persaingan Indonesia is in a red ocean, with high competition, tight
tinggi, margin ketat, dan tekanan underwriting yang margin, and increasing underwriting pressure. Most
terus meningkat. Sebagian besar perusahaan asuransi insurance companies compete in the Property & Casualty
bersaing pada lini Property & Casualty (lebih dari segment (more than 65 companies in one segment),
65 perusahaan pada satu segmen), sementara lini Credit while the Credit Insurance segment is facing declining
Insurance menghadapi penurunan margin akibat semakin margin due to the increasing number of players
banyaknya pemain yang memahami model risiko. Pada understanding risk models. At the same time, the
saat yang sama, segmen Employee Benefits tetap menjadi Employee Benefits segment remains the industry's
engine utama industri, namun kompetisi semakin sensitif primary driver, but competition is increasingly sensitive to
terhadap manfaat, kualitas layanan, dan kecanggihan benefits, service quality, and technological sophistication.
teknologi.
Di tengah dinamika tersebut, LGI berada pada posisi Amidst these dynamics, LGI enjoys a strong competitive
kompetitif yang kuat. Dengan diversifikasi portofolio, position. With a diversified portfolio, successfully
keberhasilan memperoleh peringkat kredit AA+ dari achieving an AA+ credit rating from Fitch Ratings,
Fitch Rating dan A- dengan outlook positif dari an A- with a positive outlook from AM Best, and a strong
AM Best dan rekam jejak kuat pada bisnis Health track record in the Health Insurance business, LGI
Insurance, LGI memiliki fondasi keuangan dan operasional has a more solid financial and operational foundation
yang lebih solid dibandingkan banyak pesaing. Selain itu, than many competitors. Furthermore, the presence of
kehadiran Korea Desk sebagai niche market engine dan Korea Desk as a niche market engine and improved
peningkatan performa pada kanal digital memperkuat performance in digital channels strengthen LGI's
posisi diferensiasi LGI di pasar nasional. differentiated position in the national market.
Namun demikian, tantangan tetap signifikan, khususnya However, significant challenges remain, particularly
tekanan historis pada portofolio P&C, volatilitas klaim historical pressure on the P&C portfolio, claims volatility
pada beberapa segmen Health, dan meningkatnya in several Health segments, and the increasing need
kebutuhan integrasi data, digitalisasi end-to-end, serta for data integration, end-to-end digitalization, and
kepatuhan terhadap standar manajemen risiko dan tata compliance with risk management and information
kelola teknologi informasi. technology governance standards.
2. Arah Kebijakan Perusahaan 2. Corporate Policy Direction
Arah kebijakan Perseroan pada tahun 2026 difokuskan The Company's policy direction for 2026 is focused
pada penguatan fundamental bisnis, peningkatan kualitas on strengthening business fundamentals, improving
portofolio, dan percepatan transformasi operasional serta portfolio quality, and accelerating operational and digital
digital. Seluruh kebijakan manajemen diarahkan untuk transformation. All management policies are geared
mendukung pencapaian ketahanan bisnis, pertumbuhan towards supporting business resilience, sustainable
yang berkelanjutan, serta profitabilitas yang lebih stabil di growth, and more stable profitability amidst industry
tengah dinamika industri. dynamics.
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Pertama, Perseroan memprioritaskan konsolidasi portofolio First, the Company prioritizes portfolio consolidation
melalui peningkatan disiplin underwriting, penyesuaian through enhanced underwriting discipline, risk-based
pricing berbasis risiko, dan penguatan struktur reasuransi. pricing adjustments, and strengthening the reinsurance
Upaya ini ditujukan untuk mengurangi eksposur pada structure. These efforts are aimed at reducing exposure
portofolio berisiko tinggi dan memastikan bahwa akuisisi to high-risk portfolios and ensuring that new business
bisnis baru memiliki potensi profitabilitas jangka panjang. acquisitions have the potential for long-term profitability.
Kedua, Perseroan memperkuat engine utama, Health Second, the Company strengthens its core engines,
Insurance, Credit Insurance, dan Korea Desk sebagai Health Insurance, Credit Insurance, and Korea Desk, as
pilar pertumbuhan berkelanjutan. Hal ini dilakukan pillars of sustainable growth. This is achieved through
melalui peningkatan kualitas layanan, efisiensi proses improving service quality, streamlining underwriting
underwriting dan klaim, serta pengembangan strategi and claims process, and developing more targeted
akuisisi dan retensi yang lebih tepat sasaran. acquisition and retention strategies.
Ketiga, arah kebijakan Perseroan juga menekankan Third, the Company's policy direction also emphasizes
percepatan transformasi digital dan tata kelola teknologi, accelerating digital transformation and technology
termasuk pengembangan layanan asuransi digital, governance, including the development of digital
peningkatan keamanan data, modernisasi infrastruktur insurance services, enhanced data security, modernized
TI, dan integrasi sistem yang mendukung pengambilan IT infrastructure, and system integration that supports
keputusan berbasis data. data-driven decision-making.
Keempat, penguatan tata kelola dan manajemen risiko Fourth, governance and risk management is reinforced to
dilakukan untuk memastikan kepatuhan terhadap ensure regulatory compliance, strengthen early warning
regulasi, memperkuat early warning system, dan system, and enhance governance in the digital and data
meningkatkan governance di area digital dan data. areas.
Kelima, Perseroan mendorong penguatan kapabilitas Fifth, the Company encourages strengthening
dan agility organisasi untuk memastikan bahwa struktur, organizational capabilities and agility to ensure that its
proses, dan kompetensi SDM mampu mendukung structure, process, and HR competencies are capable
implementasi strategi serta merespons perubahan pasar of supporting strategy implementation and responding
secara cepat dan efektif. quickly and effectively to market changes.
3. Kebijakan Manajemen (Policy Statements) 3. Management Policies (Policy Statements)
Untuk mencapai tujuan strategis 2026, manajemen To achieve the 2026 strategic objectives, management
menetapkan beberapa kebijakan korporasi sebagai berikut. has established several corporate policies as follows.
a. Kebijakan Underwriting dan Risiko a. Underwriting and Risk Policy
• Menetapkan disiplin underwriting sebagai • Establishing underwriting discipline as a non-
non-negotiable standard. negotiable standard.
• Mengutamakan portofolio dengan risiko terukur • Prioritizing portfolios with measurable risks and
dan profitabilitas jelas. clear profitability.
• Menghentikan bisnis yang tidak profitable • Terminating unprofitable business and improving
dan memperbaiki struktur pricing agar sesuai pricing structure to reflect actual exposure.
eksposur aktual.
b. Kebijakan Digital dan Teknologi b. Digital and Technology Policy
• IT menjadi strategic enabler, bukan sekadar support. • IT becomes a strategic enabler, not just a supporter.
• Penguatan keamanan data, modernisasi • Strengthening data security, infrastructure
infrastruktur, dan cloud migration. modernization, and cloud migration.
• Pengembangan aplikasi digital seperti revamp • Developing digital applications such as
eBenefit/MyCare+, MyGo+, MyPro+, dan the revamp of eBenefit/MyCare+, MyGo+, MyPro+,
integrasi dengan ekosistem pembayaran digital. and integrating with the digital payment ecosystem.
c. Kebijakan Distribusi dan Layanan Pelanggan c. Distribution and Customer Service Policy
• Fokus pada 5 platform distribusi: Broker, Agency, • Focusing on five distribution platforms: Broker,
Financial Institution, Digital, dan Direct. Agency, Financial Institution, Digital, and Direct.
• Penekanan pada kualitas retensi, produktivitas • Emphasis on quality retention, channel
kanal, dan customer experience. productivity, and customer experience.
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d. Kebijakan Compliance and Governance d. Compliance and Governance Policy
• Penguatan compliance monitoring, implementasi • Strengthening compliance monitoring,
Risk Universe & data governance, serta persiapan implementing Risk Universe and data governance,
SBTi & CDP untuk keberlanjutan. and preparing SBTi and CDP for sustainability.
• Penegasan disiplin regulator, khususnya terkait • Enforcing regulatory discipline, particularly
penggunaan broker/agen, data pribadi, dan regarding the use of brokers/agents, personal
kewajiban pelaporan. data, and reporting obligations.
e. Kebijakan Pengembangan SDM e. HR Development Policy
• Membangun kapabilitas teknologi, underwriting, • Building capabilities in technology, underwriting,
pricing, dan analitik risiko. pricing, and risk analytics.
• Mendorong budaya kolaboratif, responsif, dan • Encouraging a collaborative, responsive, and
berorientasi solusi. solution-oriented culture.
4. Strategi Pengembangan Bisnis 4. Business Development Strategy
Strategi pengembangan bisnis yang akan dilakukan The Company's business development strategy for 2026
Perseroan di tahun 2026 diuraikan sebagai berikut. is outlined as follows.
a. Strategi Penguatan Bisnis dan Portofolio a. Business and Portfolio Strengthening Strategy
• Memperkuat profitabilitas portofolio melalui • Strengthening portfolio profitability through
pengetatan seleksi risiko, penyesuaian pricing tightening risk selection, adjusting actual
berbasis risiko aktual, dan optimalisasi reasuransi risk-based pricing, and optimizing reinsurance
untuk memastikan kualitas portofolio yang lebih to ensure more sound and more sustainable
sehat serta berkelanjutan. portfolio quality.
• Meningkatkan kinerja engine utama bisnis Health • Improving the performance of core business
Insurance, Credit Insurance, dan Korea Desk engines of Health Insurance, Credit Insurance,
dengan fokus pada pertumbuhan yang selektif, and Korea Desk by focusing on selective growth,
peningkatan efisiensi underwriting dan klaim, increasing underwriting and claims efficiency, and
serta penguatan strategi akuisisi dan retensi. strengthening acquisition and retention strategies.
• Mengoptimalkan kanal distribusi melalui • Optimizing distribution channels by increasing
peningkatan produktivitas 5 platform utama the productivity of five key platforms (Broker,
(Broker, Agency, Financial Institution, Digital, dan Agency, Financial Institution, Digital, and Direct),
Direct), termasuk segmentasi pasar, penguatan including market segmentation, strengthening
hubungan mitra bisnis, dan perluasan peluang business partner relationships, and expanding
akuisisi berkualitas. quality acquisition opportunities.
• Mempercepat transformasi digital dan pemanfaatan • Accelerating digital transformation and the use
AI dengan mengotomatisasi underwriting, of AI by automating underwriting, improving
meningkatkan deteksi fraud, mendigitalisasi proses fraud detection, digitizing the claims process,
klaim, dan membangun integrasi data underwriting, and building integrated underwriting, pricing,
pricing, klaim untuk mendukung pengambilan and claims data to support analytics-based
keputusan berbasis analitik. decision-making.
• Menguatkan tata kelola, manajemen risiko, dan • Strengthening governance, risk management,
kapabilitas organisasi melalui penyelarasan and organizational capabilities by aligning
kebijakan internal dengan ketentuan OJK, internal policies with OJK regulations, improving
peningkatan risk governance terutama di area risk governance, particularly in the digital sector,
digital, serta pengembangan kompetensi SDM and developing HR competencies to support
untuk mendukung eksekusi strategi. strategy execution.
b. Strategi Layanan Asuransi Digital*) b. Digital Insurance Service Strategy*)
Perseroan berkomitmen untuk mengembangkan The Company is committed to developing Digital
layanan Asuransi Digital sebagai bagian dari strategi Insurance services as part of its digital transformation
transformasi digital Perseroan. Rencana ini meliputi strategy. This plan includes the development of
pengembangan produk asuransi berbasis digital, digital-based insurance products, optimizing digital
optimalisasi kanal distribusi digital, dan peningkatan distribution channels, and enhancing customer
pengalaman pelanggan melalui platform daring. Target experience through online platforms. The primary
utama adalah peningkatan penetrasi pasar digital yang target is to increase digital market penetration,
akan direalisasikan melalui pengembangan aplikasi which will be realized through the development
mobile dan/atau website sesuai kebutuhan Perseroan, of mobile applications and/or websites tailored
integrasi dengan sistem pembayaran digital, dan to the Company's needs, integration with digital
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kolaborasi dengan mitra teknologi. Seluruh kerja sama payment system, and collaboration with technology
akan dilaksanakan dengan tetap memperhatikan partners. All collaborations will be made with due
prinsip due diligence untuk memastikan penyedia diligence principles to ensure service providers meet
layanan memenuhi standar keamanan, integritas data, security standards, data integrity, and regulatory
dan kepatuhan terhadap regulasi. Pengembangan compliance. IT infrastructure development will focus
infrastruktur TI akan difokuskan pada penguatan on strengthening data security, increasing system
keamanan data, peningkatan skalabilitas sistem, scalability, and integrating with the national digital
dan integrasi dengan ekosistem digital nasional ecosystem, while ensuring the implementation of IT
dengan tetap memastikan penerapan manajemen risk management in accordance with OJK Regulation
risiko TI sesuai ketentuan Peraturan OJK No. 4/POJK.05/2021. From a HR perspective,
No. 4/POJK.05/2021. Dari sisi SDM, Perseroan akan the Company will strengthen the competency of HR
memperkuat kompetensi SDM yang bertanggung responsible for the operation and development of
jawab atas operasional dan pengembangan layanan Digital Insurance services by increasing their capacity
Asuransi Digital melalui peningkatan kapasitas dan and relevant technical expertise.
keahlian teknis yang relevan.
*)
Penerapan Peraturan OJK No. 36 Tahun 2024 *)
Implementation of OJK Regulation No. 36 of 2024
Pasal 52B. Article 52B.
Target Bisnis 2026
Business Targets for 2026
Proyeksi pendapatan premi asuransi, yaitu Rp3,81 triliun di mana lebih tinggi dibandingkan target tahun 2025 sebesar Rp3,64
triliun. Perseroan optimis untuk menjaga agar asuransi baik kesehatan dan non-kesehatan dapat tetap bertumbuh dengan sehat
dan seimbang serta menekankan kinerja yang efisien dan optimal sehingga pendapatan underwriting, hasil investasi, dan net profit
selalu positif bahkan meningkat dibandingkan tahun 2025.
The projected insurance premium revenue is Rp3.81 trillion, exceeding the 2025 target of Rp3.64 trillion. The Company is optimistic
about maintaining sound and balanced growth in both health and non-health insurance, emphasizing efficient and optimal performance,
ensuring that underwriting income, investment return, and net profit remain positive and even increase compared to those of 2025.
Memastikan rasio kecukupan investasi dan rasio likuiditas di atas 150%.
Ensuring investment adequacy ratio and liquidity ratio above 150%.
Memastikan rasio solvabilitas di atas 120%.
Ensuring solvency ratio above 120%.
Memastikan return on equity dan return on investment di atas 4% yang menunjukkan Perseroan mampu memberikan hasil positif
dalam investasi dan laba bersih.
Ensuring return on equity and return on investment above 4%, which shows the Company’s capability to provide positive results
in investment and net profit.
Informasi Kelangsungan Usaha Information on Business Continuity
Penilaian Manajemen atas Hal-Hal yang Management’s Assessment of Matters with
Berpotensi Berpengaruh Signifikan terhadap Potentially Significant Impact on Business
Kelangsungan Usaha Continuity
Manajemen secara rutin melakukan penilaian terhadap Management regularly assesses various factors that have
berbagai faktor yang berpotensi berpengaruh signifikan the potential to significantly affect the Company’s business
terhadap kelangsungan usaha Perseroan. Berdasarkan hasil continuity. Based on the results of assessment conducted
penilaian yang dilakukan sepanjang tahun 2025, manajemen throughout 2025, management assessed that the Company
menilai bahwa Perseroan berada dalam posisi yang stabil dan is in a stable position and able to overcome challenges that
mampu mengatasi tantangan yang mungkin timbul. Dengan may arise. With appropriate mitigation measures, such as
langkah-langkah mitigasi yang tepat, seperti penyesuaian internal policy adjustments, portfolio diversification, and
kebijakan internal, diversifikasi portofolio, dan peningkatan improved operational efficiency, the Company is considered
efisiensi operasional, Perseroan dinilai memiliki prospek yang to have good prospects for maintaining long-term business
baik untuk menjaga kelangsungan bisnis jangka panjang. continuity.
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Tata Kelola Perusahaan Komitmen Penerapan Tata Kelola Perusahaan Commitment to Implementing Corporate Governance Penerapan tata kelola perusahaan yang baik The implementation of Good Corporate Governance (GCG) (Good Corporate Governance/GCG) menjadi fondasi serves as the key foundation for LGI’s sustainability and utama bagi keberlangsungan dan kredibilitas LGI. Dalam credibility. In responding to market dynamics and increasing menghadapi dinamika pasar dan kompleksitas risiko, risk complexity, a strong commitment to GCG principles komitmen yang kuat terhadap prinsip-prinsip GCG enables LGI to uphold transparency and accountability membantu LGI menjaga transparansi dan akuntabilitas in every decision-making and operational activity. This dalam setiap keputusan dan operasional. Hal ini tidak commitment not only enhances the trust of customers and hanya meningkatkan kepercayaan nasabah dan pemangku stakeholders, but also ensures compliance with applicable kepentingan, tetapi juga memastikan kepatuhan terhadap regulations. regulasi yang berlaku. Di LGI, tata kelola perusahaan diterapkan dengan pendekatan At LGI, corporate governance is implemented through yang menyeluruh, mulai dari pengelolaan risiko hingga a comprehensive approach, ranging from risk management pengawasan internal yang ketat. Setiap lini bisnis didorong to strict internal controls. Every line of business is encouraged untuk beroperasi dengan integritas tinggi dan berorientasi to operate with high integrity and long-term orientation, pada kepentingan jangka panjang, bukan sekadar rather than focusing solely on short-term profit achievement. pencapaian keuntungan sesaat. Komitmen ini diwujudkan This commitment is realized through clearly defined policies, melalui kebijakan yang jelas, pelatihan berkelanjutan continuous employee training, and independent oversight bagi karyawan, dan pengawasan yang dilakukan oleh carried out by the Board of Commissioners and Audit Dewan Komisaris dan Komite Audit secara independen. Committee. Selain itu, LGI memahami bahwa tata kelola yang efektif juga Furthermore, LGI recognizes that effective corporate berkaitan erat dengan keberlanjutan bisnis dan tanggung governance is closely linked to business sustainability and jawab sosial perusahaan. Oleh karena itu, LGI berupaya corporate social responsibility. Accordingly, LGI strives mengintegrasikan praktik GCG dengan strategi bisnis yang to integrate GCG practices into its sustainable business berkelanjutan, termasuk perlindungan lingkungan dan strategy, including environmental protection and community pemberdayaan masyarakat. Dengan demikian, komitmen empowerment initiatives. In this way, the commitment to GCG terhadap GCG bukan sekadar formalitas, melainkan bagian is not merely a formality, but an integral part of the corporate dari budaya kerja yang mendukung pertumbuhan yang culture that supports sustainable and reliable growth. berkelanjutan dan terpercaya. LGI menerapkan 4 pilar yang berpedoman pada Pedoman LGI adopts the 4 pillars of governance in reference to Umum Governansi Korporat Indonesia (PUGKI) 2021 yang the General Guidelines for Indonesian Corporate disusun oleh Komite Nasional Kebijakan Governance (KNKG). Governance (PUGKI) 2021 issued by the National Committee 170 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Adapun informasi mengenai pilar-pilar tersebut diuraikan on Governance Policy (KNKG). Information regarding these
sebagai berikut. pillars is presented as follows.
Pilar Penjelasan Penerapan
Pillar Explanation Implementation
Perilaku Beretika Dalam melaksanakan kegiatannya, perusahaan senantiasa Perseroan merupakan perusahaan yang selalu bertindak
Ethical Behavior mengedepankan kejujuran, memperlakukan semua pihak secara independen, jujur, dan menghargai seluruh pihak
dengan hormat (respect), memenuhi komitmen, membangun yang dilakukan melalui pelaporan tindak pelanggaran dan
serta menjaga nilai-nilai moral dan kepercayaan secara pengelolaan gratifikasi. Hal tersebut merupakan komitmen
konsisten. Perusahaan memperhatikan kepentingan dari Perseroan untuk terus meningkatkan kepercayaan dan
Pemegang Saham dan pemangku kepentingan lainnya menjaga nilai-nilai moral, serta sebagai bentuk Perseroan
berdasarkan asas kewajaran dan kesetaraan (fairness) dan dalam memperhatikan kepentingan Pemegang Saham dan
dikelola secara independen sehingga masing-masing organ para pemangku kepentingan lain.
perusahaan tidak saling mendominasi dan tidak dapat
diintervensi oleh pihak lain.
In carrying out its activities, the company always prioritizes The company is a company that always acts
honesty, treats all parties with respect, fulfills commitments, independently, honestly, and respects all parties through
builds and maintains moral values and trust consistently. reporting violations and managing gratuities. This is
The company pays attention to the interests of Shareholders a commitment from the company to constantly
and other stakeholders based on the principles of fairness increasing trust and maintaining moral values, as
and equality that are managed independently so that each well as a form of the Company in paying attention to
organ of the company does not dominate each other and the interests of Shareholders and other stakeholders.
cannot be intervened by other parties.
Akuntabilitas Perusahaan dapat mempertanggungjawabkan kinerjanya Perseroan mempertanggungjawabkan segala tindakannya
Accountability secara transparan dan wajar. Untuk itu, perusahaan secara transparan dan wajar bagi para pemangku
harus dikelola secara benar, terukur, dan sesuai dengan kepentingan dan Pemegang Saham. Pengelolaan kinerja
kepentingan perusahaan dengan tetap memperhitungkan Perseroan dilakukan secara benar dan terukur. Perseroan
kepentingan Pemegang Saham dan pemangku kepentingan. senantiasa mengedepankan hasil yang terbaik agar
Akuntabilitas merupakan prasyarat yang diperlukan untuk dapat memberikan kepuasan kepada semua pihak yang
mencapai kinerja yang berkelanjutan. berhubungan dengan Perseroan.
The company can be accountable for its performance The company is accountable for all its actions in a transparent
in a transparent and fair manner. As such, and fair manner for stakeholders and Shareholders.
the company must be managed properly, measurably, The company's performance management is carried out
and in accordance with the company’s interests while in a proper and measurable manner. The company always
considering the interests of Shareholders and stakeholders. prioritizes the best results in order to provide satisfaction to
Accountability is a necessary prerequisite for achieving all parties related to the Company.
sustainable performance.
Transparansi Untuk menjaga objektivitas dalam menjalankan bisnis, Perseroan menjamin keterbukaan dan objektivitas
Transparency perusahaan menyediakan informasi yang material dan dalam melaksanakan proses pengambilan keputusan
relevan dengan cara yang mudah diakses dan dipahami dalam menjalankan kegiatan usahanya. Hal tersebut
oleh pemangku kepentingan. Perusahaan mengambil inisiatif diimplementasikan melalui situs web Perseroan yang dapat
untuk mengungkapkan tidak hanya masalah yang disyaratkan diakses oleh seluruh pihak dan berisi mengenai informasi
oleh peraturan perundang-undangan, tetapi juga hal yang yang berkaitan dengan Perseroan dan dapat digunakan
penting untuk pengambilan keputusan oleh Pemegang untuk para pemangku kepentingan dalam mengambil
Saham, kreditur, dan pemangku kepentingan lainnya. keputusan.
To maintain objectivity in conducting business, The company guarantees transparency and objectivity
the company provides material and relevant information in conducting decision-making process in performing
in a manner that is easily accessible and understood by its business activities. This is implemented through
stakeholders. The company takes the initiative to disclose the company's website, which can be accessed by all parties
not only matters required by laws and regulations, but also and contains information related to the company and can be
important matters for decision-making by Shareholders, used for stakeholders in making decisions.
creditors, and other stakeholders.
Keberlanjutan Perusahaan mematuhi peraturan perundang-undangan Perseroan berupaya mengimplementasikan praktik-praktik
Sustainability serta berkomitmen melaksanakan tanggung jawab terhadap usaha yang sehat dan konsisten. Praktik tersebut mengacu
masyarakat dan lingkungan agar berkontribusi pada pada peraturan perundang-undangan yang berlaku.
pembangunan berkelanjutan melalui kerja sama dengan Implementasi prinsip-prinsip GCG ini memiliki peran besar
semua pemangku kepentingan terkait untuk meningkatkan bagi Perseroan agar mampu mempertahankan eksistensi
kehidupan mereka dengan cara yang selaras dengan dan ketangguhan usahanya di tengah dinamika bisnis yang
kepentingan bisnis dan agenda pembangunan berkelanjutan. sangat tinggi.
The company complies with laws and regulations and The company strives to implement sound and consistent
is committed to carrying out its responsibilities towards business practices. These practices refer to the prevailing
the community and the environment in order to contribute laws and regulations. The implementation of GCG principles
to sustainable development by working with all relevant has a major role for the company in order to maintain its
stakeholders to improve their lives in a way that is aligned existence and business resilience in the midst of very high
with business interests and sustainable development agenda. business dynamics.
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Tata Kelola Perusahaan
Dasar Hukum Penerapan Tata Kelola Legal Basis for the Implementation of
Perusahaan Corporate Governance
Dasar hukum penerapan GCG berpedoman pada peraturan The legal basis for the implementation of GCG is grounded
perundang-undangan, pedoman yang berlaku secara in prevailing laws and regulations, generally accepted
umum, dan kebijakan internal Perseroan. Informasi lebih governance guidelines, and the Company’s internal policies.
lengkap mengenai dasar penerapan GCG diuraikan sebagai More detailed information on the basis for the implementation
berikut. of GCG is presented below.
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Companies and
Terbatas dan perubahannya. its amendments.
2. Undang-Undang No. 40 Tahun 2014 tentang 2. Law No. 40 of 2014 on Insurance.
Perasuransian.
3. Undang-Undang No. 4 Tahun 2023 tentang 3. Law No. 4 of 2023 on the Development and Strengthening
Pengembangan dan Penguatan Sektor Jasa Keuangan. of the Financial Services Sector.
4. Peraturan OJK No. 69/POJK.05/2016 Tahun 2016 4. OJK Regulation No. 69/POJK.05/2016 of 2016 on
tentang Penyelenggaraan Usaha Perusahaan Asuransi, the Business Operations of Insurance Companies,
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Sharia Insurance Companies, Reinsurance Companies,
dan Perusahaan Reasuransi Syariah sebagaimana and Sharia Reinsurance Companies as amended
telah beberapa kali diubah oleh Peraturan OJK several times by OJK Regulation No. 36 of 2024 on
No. 36 Tahun 2024 tentang Perubahan atas Peraturan Amendments to OJK Regulation No. 69/POJK.05/2016
OJK No. 69/POJK.05/2016 tentang Penyelenggaraan on the Business Operations of Insurance Companies,
Usaha Perusahaan Asuransi, Perusahaan Asuransi Sharia Insurance Companies, Reinsurance Companies,
Syariah, Perusahaan Reasuransi dan Perusahaan, and Sharia Reinsurance Companies.
Reasuransi Syariah.
5. Peraturan OJK No. 73/POJK.05/2016 tanggal 5. OJK Regulation No. 73/POJK.05/2016 dated December
28 Desember 2016 tentang Tata Kelola Perusahaan yang 28th, 2016, on Good Corporate Governance for
Baik bagi Perusahaan Perasuransian yang telah diubah Insurance Companies, which has been amended
dengan Peraturan OJK No. 43/POJK.05/2019 tanggal by OJK Regulation No. 43/POJK.05/2019 dated
31 Desember 2019 tentang Perubahan atas Peraturan December 31st, 2019, on Amendment to OJK Regulation
OJK No. 73/POJK.05/2016 tentang Tata Kelola No. 73/POJK.05/2016 on Good Corporate Governance
Perusahaan yang Baik bagi Perusahaan Perasuransian. for Insurance Companies.
6. Surat Edaran OJK No. 32/SEOJK.04/2015 tentang 6. OJK Circular Letter No. 32/SEOJK.04/2015 on
Pedoman Tata Kelola Perusahaan Terbuka. Governance Guidelines for Public Company.
7. Pedoman Umum Good Corporate Governance Indonesia 7. Indonesian Good Corporate Governance General
yang dikembangkan oleh Komite Nasional Kebijakan Guidelines developed by the National Committee on
Governance (KNKG). Governance Policy (KNKG).
8. Anggaran Dasar PT Lippo General Insurance Tbk. 8. Articles of Association of PT Lippo General Insurance
Tbk.
Struktur Tata Kelola Perusahaan
Corporate Governance Structure
Struktur tata kelola Perseroan dirancang untuk memastikan The Company’s governance structure is designed to ensure
pengelolaan yang efektif dan transparan, terdiri dari effective and transparent management, consists of several
beberapa organ utama, yaitu RUPS, Dewan Komisaris, key governing bodies, namely GMS, Board of Commissioners,
dan Direksi. Dewan Komisaris memiliki peran pengawasan and Board of Directors. The Board of Commissioners is
terhadap kebijakan dan pelaksanaan tugas Direksi serta responsible for supervising the policies and performance
didukung oleh berbagai komite, seperti Komite Audit, Komite of the Board of Directors and is supported by various
Remunerasi dan Nominasi, Komite Pemantau Risiko, serta committees, including the Audit Committee, Remuneration
Komite Kebijakan Tata Kelola Perusahaan. Komite-komite ini and Nomination Committee, Risk Oversight Committee, and
bertugas membantu Dewan Komisaris dalam menjalankan Good Corporate Governance Committee. These committees
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Corporate Governance
fungsi pengawasan yang mendalam dan memberikan assist the Board of Commissioners in carrying out in-depth
rekomendasi strategis guna menjaga integritas dan oversight and in providing strategic recommendations to
keberlanjutan Perseroan. maintain the Company’s integrity and sustainability.
Sementara itu, Direksi bertanggung jawab atas pengelolaan Meanwhile, the Board of Directors is responsible for managing
operasional Perseroan dan didukung oleh sejumlah komite the Company’s operations and is supported by a number of
serta unit khusus yang membantu dalam pengambilan committees and dedicated units that assist in decision-making
keputusan dan pelaksanaan kebijakan. Komite pendukung and policy implementation. Committees supporting the Board
Direksi mencakup Komite Investasi, Komite Pengembangan of Directors include the Investment Committee, Product
Produk, Komite Medis, Komite Pengarah Teknologi Informasi, Development Committee, Medical Committee, Information
Unit Anti-Fraud, APU PPT & PPPSPM, Komite Manajemen Technology Steering Committee, Anti-Fraud Unit, AML - CFT
Risiko, Unit Pelindungan Konsumen dan Masyarakat, & CPF, Risk Management Committee, Consumer and Public
Unit Pelindungan Data Pribadi, Unit Corporate Social Protection Unit, Personal Data Protection Unit, Corporate
Responsibility, Unit Literasi dan Inklusi Keuangan, Unit Asset Social Responsibility Unit, Financial Literacy and Inclusion
& Liability Management, Unit Aksi Keuangan Berkelanjutan, Unit, Asset & Liability Management Unit, Sustainable Financial
Sekretaris Perusahaan, serta Unit Audit Internal. Seluruh Action Unit, Corporate Secretary, and Internal Audit Unit.
elemen ini bekerja secara sinergis untuk mendukung All of these elements work in synergy to support the
transparansi, akuntabilitas, dan kinerja Perseroan yang Company’s transparency, accountability, and sustainable
berkelanjutan. Informasi mengenai struktur tata kelola performance. More detailed information regarding the
Perseroan secara lebih lengkap diuraikan sebagai berikut. Company’s governance structure is presented as follows.
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Dewan Komisaris
Board of Commissioners
Komite Kebijakan Tata
Kelola Perusahaan Komite Audit
Good Corporate Audit Committee Unit Pelindungan
Governance Committee Konsumen dan Masyarakat
Consumer and Public
Protection Unit
Komite Medis Komite Remunerasi
Medical Committee Komite Pemantau Risiko dan Nominasi
Risk Oversight Committee Remuneration and Unit Pelindungan
Nomination Committee Data Pribadi
Personal Data
Protection Unit
Komite Investasi
Investment Committee
Direksi
Unit Corporate Social
Board of Directors Responsibility
Corporate Social
Komite Pengembangan Responsibility Unit
Produk Presiden Direktur
Product Development President Director
Committee Unit Edukasi Literasi
dan Inklusi Keuangan
Wakil Presiden Direktur Financial Literacy and
Komite Pengarah Vice President Director Inclusion Education Unit
Teknologi Informasi
Information Technology
Steering Committee Unit Asset & Liability
Management
Asset & liability
Kepatuhan Unit Audit Internal Management Unit
APU PPT & PPPSPM Compliance Internal Audit Unit
AML - CFT & CPF
Unit Anti-Fraud Unit Aksi Keuangan
Anti-Fraud Unit Berkelanjutan
Sekretaris Perusahaan
Corporate Secretary Sustainable Financial
Komite Manajemen Risiko Action Unit
Risk Management Committee
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Tata Kelola Perusahaan
Penerapan atas Pedoman Tata Kelola
Perusahaan Terbuka
Implementation of Corporate Governance Guideline
for Public Companies
Penerapan prinsip-prinsip GCG Perseroan mengacu pada The implementation of the Company’s GCG principles refers
ketentuan yang berlaku, khususnya sebagaimana yang to the applicable regulations, particularly those stipulated in
diatur dalam Peraturan OJK No. 21/POJK.04/2015 tentang OJK Regulation No. 21/POJK.04/2015 on the Implementation
Penerapan Pedoman Tata Kelola Perusahaan Terbuka of Corporate Governance Guidelines for Public Companies
dan Surat Edaran OJK No. 32/SEOJK.04/2015. Informasi and OJK Circular Letter No. 32/SEOJK.04/2015. Information
mengenai pelaksanaan pedoman tersebut diuraikan sebagai regarding the implementation of these guidelines is described
berikut. as follows.
Rekomendasi Keterangan Penerapan
Recommendation Description Implementation
Aspek 1: Hubungan Perusahaan Terbuka dengan Pemegang Saham dalam Menjamin Hak-Hak Pemegang Saham.
Aspect 1: The Relationship of a Public Company with the Shareholders in Ensuring Shareholders’ Rights.
Prinsip 1: Meningkatkan Nilai Penyelenggaraan RUPS.
Principle 1: Improving the Quality of GMS.
1.1 Perusahaan Terbuka memiliki cara atau prosedur Perseroan menetapkan prosedur dalam pengumpulan suara Terpenuhi
teknis pengumpulan suara (voting), baik secara selama RUPS, yang dipandu dan disampaikan langsung
terbuka maupun tertutup yang mengedepankan oleh Ketua Rapat untuk memastikan proses berjalan tertib
independensi dan kepentingan Pemegang Saham. dan transparan.
Public Company has technical voting methods The Company has established procedures for voting during Complied
or procedures, either open or close, prioritizing the GMS, which are guided and explained directly by
independency and interest of Shareholders. the Chairman of the Meeting to ensure the process is
conducted in an orderly and transparent manner.
1.2 Seluruh anggota Direksi dan anggota Seluruh anggota Dewan Komisaris dan Direksi hadir Terpenuhi
Dewan Komisaris Perusahaan Terbuka hadir dalam dalam RUPS Tahunan yang diselenggarakan pada tanggal
RUPS Tahunan. 29 April 2025.
All members of Board of Directors and members of All members of the Board of Commissioners and Board Complied
Board of Commissioners of Public Company attend of Directors were present at the Annual GMS held on
the Annual GMS. April 29th, 2025.
1.3 Ringkasan risalah RUPS tersedia dalam situs web Ringkasan risalah RUPS Tahunan dan Luar Biasa disediakan Terpenuhi
Perusahaan Terbuka paling sedikit selama 1 tahun. melalui situs web Perseroan sebagai bentuk keterbukaan
informasi kepada Pemegang Saham dan publik.
Summary of GMS Minutes is available on the Public Summaries of the minutes of the Annual and Extraordinary Complied
Company’s Website for at least 1 year. GMS are made available on the Company’s website as
a form of information disclosure to Shareholders and
the public.
Prinsip 2: Meningkatkan Kualitas Komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor.
Principle 2: Improving the Quality of Communication between a Public Company and the Shareholders or Investors.
2.1 Perusahaan Terbuka memiliki suatu kebijakan Perseroan menjalankan kebijakan komunikasi dengan Terpenuhi
komunikasi dengan Pemegang Saham atau Investor. Pemegang Saham atau Investor melalui berbagai saluran,
seperti RUPS, paparan publik, informasi yang tersedia
di situs web resmi, Laporan Tahunan, media sosial, serta
narahubung yang dapat diakses untuk memastikan
keterbukaan dan kemudahan akses informasi.
Public Company has communication policy with The Company implements a communication policy with Complied
the Shareholders or Investors. Shareholders or Investors through various channels,
including the GMS, public exposes, information available
on the official website, Annual Report, social media, as well
as designated contact persons to ensure transparency and
ease of access to information.
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Rekomendasi Keterangan Penerapan
Recommendation Description Implementation
2.2 Perusahaan Terbuka mengungkapkan kebijakan Kebijakan komunikasi antara Perseroan dengan Pemegang Terpenuhi
komunikasi Perusahaan Terbuka dengan Pemegang Saham atau Investor telah diungkapkan secara terbuka
Saham atau Investor dalam situs web. melalui situs web resmi sebagai bagian dari komitmen
terhadap transparansi dan keterbukaan informasi.
Public Company discloses the communication The communication policy between the Company and Complied
policy of Public Company with Shareholders or Shareholders or Investors has been publicly disclosed
Investors on the website. through the official website as part of the Company’s
commitment to transparency and information disclosure.
Aspek 2 : Fungsi dan Peran Dewan Komisaris.
Aspect 2: The Board of Commissioners Function and Roles.
Prinsip 3: Memperkuat Keanggotaan dan Komposisi Dewan Komisaris.
Principle 3: Enhancing the Membership and Composition of the Board of Commissioners.
3.1 Penentuan jumlah anggota Dewan Komisaris Jumlah dan komposisi anggota Dewan Komisaris Terpenuhi
mempertimbangkan kondisi Perusahaan Terbuka. disesuaikan dengan kebutuhan dan kondisi Perseroan,
sebagaimana diatur dalam Anggaran Dasar serta Pedoman
dan Tata Tertib Kerja Dewan Komisaris. Perseroan juga
telah memenuhi ketentuan dengan memastikan proporsi
Komisaris Independen mencapai minimal 30% dari jumlah
anggota.
The determination of number of Board of The number and composition of the members of the Board Complied
Commissioners considers the condition of of Commissioners are determined in accordance with
the Public Company. the needs and conditions of the Company, as stipulated in
the Articles of Association and the Board of Commissioners’
Work Guidelines. The Company has also complied with
the applicable provisions by ensuring that the proportion of
Independent Commissioners constitutes a minimum of 30%
of the total members.
3.2 Penentuan komposisi anggota Dewan Komisaris Pemilihan anggota Dewan Komisaris dilakukan dengan Terpenuhi
memperhatikan keberagaman keahlian, mempertimbangkan keberagaman keahlian, pengetahuan,
pengetahuan, dan pengalaman yang dibutuhkan. dan pengalaman yang relevan dengan kebutuhan Perseroan,
serta melalui proses assessment yang dilaksanakan oleh
Komite Remunerasi dan Nominasi.
The determination of composition of the Board of The selection of members of the Board of Commissioners is Complied
Commissioners considers the diversity of expertise, conducted by considering diversity in expertise, knowledge,
knowledge, and experience required. and experience relevant to the Company's requirements, and
is carried out through an assessment process conducted by
the Remuneration and Nomination Committee.
Prinsip 4: Meningkatkan Kualitas Pelaksanaan Tugas dan Tanggung Jawab Dewan Komisaris.
Principle 4: Improving the Quality of the Implementation of the Board of Commissioners’ Duties and Responsibilities.
4.1 Dewan Komisaris mempunyai kebijakan penilaian Dewan Komisaris menerapkan kebijakan self-assessment Terpenuhi
sendiri (self-assessment) untuk menilai kinerja untuk mengevaluasi kinerja secara mandiri, sebagaimana
Dewan Komisaris. diatur dalam Piagam Komite Remunerasi dan Nominasi,
dengan mengacu pada Key Performance Indicators (KPI)
yang telah ditetapkan.
The Board of Commissioners has self-assessment The Board of Commissioners implements a self-assessment Complied
policy to assess the performance of the Board of policy to independently evaluate its performance, as
Commissioners. stipulated in the Remuneration and Nomination Committee’s
Charter, with reference to the established Key Performance
Indicators (KPIs).
4.2 Kebijakan penilaian sendiri (self-assessment) untuk Kebijakan self-assessment Dewan Komisaris telah Terpenuhi
menilai kinerja Dewan Komisaris, diungkapkan diungkapkan secara transparan dalam Laporan Tahunan
melalui Laporan Tahunan Perusahaan Terbuka. Perseroan sebagai bagian dari komitmen terhadap evaluasi
kinerja yang objektif dan akuntabel.
Self-assessment policy to assess the performance The Board of Commissioners’ self-assessment policy Complied
of the Board of Commissioners is disclosed through has been transparently disclosed in the Company’s
the Public Company’s Annual Report. Annual Report as part of its commitment to objective and
accountable performance evaluation.
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Tata Kelola Perusahaan
Rekomendasi Keterangan Penerapan
Recommendation Description Implementation
4.3 Dewan Komisaris mempunyai kebijakan terkait Dewan Komisaris menerapkan kebijakan pengunduran Terpenuhi
pengunduran diri anggota Dewan Komisaris apabila diri bagi anggota yang terbukti terlibat dalam kejahatan
terlibat dalam kejahatan keuangan. keuangan, sebagaimana diatur dalam Pasal 21 Anggaran
Dasar Perseroan dan Pedoman Tata Tertib Kerja
Dewan Komisaris, dengan ketentuan bahwa pengunduran
diri tersebut harus disahkan melalui RUPS.
The Board of Commissioners has policy related to The Board of Commissioners applies a resignation policy for Complied
resignation of members of Board of Commissioners members who are proven to be involved in financial crimes,
if involved in financial crime. as regulated under Article 21 of the Company’s Articles
of Association and the Board of Commissioners’ Work
Guidelines, with the provision that such resignation must be
approved through the GMS.
4.4 Dewan Komisaris atau Komite yang menjalankan Komite Remunerasi dan Nominasi telah menetapkan Terpenuhi
Fungsi Nominasi dan Remunerasi menyusun kebijakan suksesi yang diatur dalam Piagam Komite
kebijakan suksesi dalam proses nominasi anggota Remunerasi dan Nominasi serta menjadi panduan dalam
Direksi. proses nominasi anggota Direksi.
The Board of Commissioners or Committees The Remuneration and Nomination Committee Complied
performing the Nomination and Remuneration has established a succession policy as outlined in
Functions prepares a succession policy in the Remuneration and Nomination Committee’s Charter,
the nomination process of members of Board of which serves as a guideline in the nomination process for
Directors. members of the Board of Directors.
Aspek 3: Fungsi dan Peran Direksi.
Aspect 3: The Board of Directors Function and Roles.
Prinsip 5: Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 5: Enhancing the Membership and Composition of the Board of Directors.
5.1 Penentuan jumlah anggota Direksi Jumlah dan komposisi anggota Direksi disesuaikan dengan Terpenuhi
mempertimbangkan kondisi Perusahaan Terbuka, kebutuhan dan kondisi Perseroan, sebagaimana diatur
serta efektivitas dalam pengambilan keputusan. dalam Anggaran Dasar serta Pedoman dan Tata Tertib Kerja
Direksi.
The determination of number of Board of Directors The number and composition of the members of Complied
considers the Public Company’s condition and the Board of Directors are determined in accordance
effectiveness in decision making. with the Company’s needs and conditions, as stipulated
in the Company’s Articles of Association and the Board of
Directors’ Work Guidelines.
5.2 Penentuan komposisi anggota Direksi Pemilihan anggota Direksi dilakukan dengan Terpenuhi
memperhatikan keberagaman keahlian, mempertimbangkan keberagaman keahlian, pengetahuan,
pengetahuan, dan pengalaman yang dibutuhkan. dan pengalaman yang relevan dengan kebutuhan
Perseroan.
The determination of composition of Board The selection of members of the Board of Directors is Complied
of Directors considers the range of expertise, conducted by considering the diversity in expertise,
knowledge, and experience required. knowledge, and experience relevant to the Company's
requirements.
5.3 Anggota Direksi yang membawahi bidang Direktur Keuangan memegang tanggung jawab utama di Terpenuhi
akuntansi atau keuangan memiliki keahlian dan/atau bidang keuangan dan administrasi, dengan latar belakang
pengetahuan di bidang akuntansi. pendidikan akuntansi dan manajemen. Selain itu, Direktur
Keuangan juga membawa pengalaman luas dan berbagai
sertifikasi profesional yang mendukung keahlian dalam
bidang akuntansi dan keuangan.
Members of Board of Directors in charge of The Director of Finance holds primary responsibility for Complied
accounting or finance have the skills and/or financial and administrative functions, supported by an
knowledge in accounting. educational background in accounting and management.
Besides, the Director of Finance brings extensive experience
and various professional certifications that support expertise
in the fields of accounting and finance.
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Corporate Governance
Rekomendasi Keterangan Penerapan
Recommendation Description Implementation
Prinsip 6: Memperkuat Keanggotaan dan Komposisi Direksi.
Principle 6: Enhancing the Membership and Composition of the Board of Directors.
6.1 Direksi mempunyai kebijakan penilaian sendiri Direksi memiliki kebijakan self-assessment untuk Terpenuhi
(self-assessment) untuk menilai kinerja Direksi. mengevaluasi kinerjanya, salah satunya dengan
menggunakan metode balanced scorecard yang kemudian
dikonversikan menjadi KPI guna memastikan pencapaian
tujuan secara terukur dan menyeluruh.
The Board of Directors has self-assessment policy to The Board of Directors has established a self-assessment Complied
assess the Board of Directors’ performance. policy to evaluate its performance, including the use of
the balanced scorecard method, which is subsequently
translated into KPIs to ensure measurable and
comprehensive achievement of objectives.
6.2 Kebijakan penilaian sendiri (self-assessment) untuk Kebijakan self-assessment Direksi telah diungkapkan secara Terpenuhi
menilai kinerja Direksi diungkapkan melalui Laporan transparan dalam Laporan Tahunan Perseroan sebagai
Tahunan Perusahaan Terbuka. bagian dari komitmen terhadap evaluasi kinerja yang
objektif dan akuntabel.
Self-assessment policy to assess the Directors’ The Board of Directors’ self-assessment policy has been Complied
performance is disclosed through the Public transparently disclosed in the Company’s Annual Report
Company’s Annual Report. as part of its commitment to objective and accountable
performance evaluation.
6.3 Direksi mempunyai kebijakan terkait pengunduran Direksi menerapkan kebijakan pengunduran diri bagi Terpenuhi
diri anggota Direksi apabila terlibat dalam kejahatan anggota yang terbukti terlibat dalam kejahatan keuangan,
keuangan. sebagaimana diatur dalam Pasal 18 Anggaran Dasar
Perseroan dan Pedoman Tata Tertib Kerja Direksi, dengan
ketentuan bahwa pengunduran diri tersebut harus disahkan
melalui RUPS.
The Board of Directors has policy related to The Board of Directors applies a resignation policy for Complied
resignation of members of Board of Directors if members who are proven to be involved in financial crimes,
involved in financial crime. as regulated under Article 18 of the Company’s Articles of
Association and the Board of Directors’ Work Guidelines,
with the provision that such resignation must be approved
through the GMS.
Aspek 4: Partisipasi Pemangku Kepentingan.
Aspect 4: Stakeholders Participation.
Prinsip 7: Meningkatkan Aspek Tata Kelola Perusahaan melalui Partisipasi Pemangku Kepentingan.
Principle 7: Improving the Good Corporate Governance Aspect through Stakeholders Participation.
7.1 Perusahaan Terbuka memiliki kebijakan untuk Perseroan memiliki kebijakan pencegahan insider trading Terpenuhi
mencegah terjadinya insider trading. yang diatur secara tegas dalam Pasal 5 ayat (2) Pedoman
Etika dan Perilaku, guna menjaga integritas dan keadilan
dalam kegiatan pasar modal.
The Public Company has a policy to prevent The Company has an insider trading prevention policy that is Complied
the occurrence of insider trading. strictly regulated under Article 5 paragraph (2) of the Code
of Conduct, aimed at maintaining integrity and fairness in
capital market activities.
7.2 Perusahaan Terbuka memiliki kebijakan anti-korupsi Perseroan menerapkan Pedoman Penerapan Strategi Terpenuhi
dan anti-fraud. Anti-Fraud yang dirancang untuk mencegah dan menangani
tindakan kecurangan, sebagaimana diatur dalam Pasal 13
Pedoman Etika dan Perilaku.
Public Company has anti-corruption and anti-fraud The Company has implemented Guidelines for Complied
policies. the Implementation of an Anti-Fraud Strategy designed
to prevent and address fraudulent actions, as stipulated
in Article 13 of the Code of Conduct.
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Tata Kelola Perusahaan
Rekomendasi Keterangan Penerapan
Recommendation Description Implementation
7.3 Perusahaan Terbuka memiliki kebijakan tentang Perseroan memiliki kebijakan seleksi dan peningkatan Terpenuhi
seleksi dan peningkatan kemampuan pemasok atau kemampuan pemasok atau vendor melalui prosedur yang
vendor. tertuang dalam SOP Seleksi dan Evaluasi Vendor, dengan
evaluasi dilakukan secara berkala untuk memastikan kualitas
dan kinerja yang optimal.
Public Company has a policy on selection and The Company has established policies for selecting and Complied
improvement of supplier or vendor capabilities. improving the capabilities of suppliers or vendors through
procedures set forth in the Vendor Selection and Evaluation
SOP, with evaluations conducted regularly to ensure optimal
quality and performance.
7.4 Perusahaan Terbuka memiliki kebijakan tentang Perseroan memiliki kebijakan yang tegas dalam pemenuhan Terpenuhi
pemenuhan hak-hak kreditur. hak-hak kreditur sebagai bagian dari komitmen terhadap
prinsip transparansi dan tanggung jawab dalam menjalankan
aktivitas bisnis.
Public Company has a policy on the fulfillment of The Company enforces a strict policy in fulfilling creditors’ Complied
creditors’ rights. rights as part of its commitment to the principles of
transparency and accountability in conducting business
activities.
7.5 Perusahaan Terbuka memiliki kebijakan sistem Perseroan menyediakan whistleblowing system yang Terpenuhi
whistleblowing. informasinya disampaikan secara terbuka melalui situs web
sebagai upaya mendorong pelaporan pelanggaran dengan
aman dan transparan.
Public Company has policies of whistleblowing The Company provides a whistleblowing system where Complied
system. information is openly disclosed through the Company’s
website as an effort to encourage safe and transparent
reporting of violations.
7.6 Perusahaan Terbuka memiliki kebijakan pemberian Perseroan mengikutsertakan seluruh karyawan dalam Terpenuhi
insentif jangka panjang kepada Direksi dan program BPJS Ketenagakerjaan Jaminan Pensiun
karyawan. sebagai bentuk kepedulian terhadap kesejahteraan dan
perlindungan jangka panjang karyawan.
The Public Company has a long-term incentive The Company enrolls all employees in BPJS for Employment Complied
policy to Directors and employees. for Pension Security as a form of commitment to employee
welfare and long-term protection.
Aspek 5: Keterbukaan Informasi.
Aspect 5: Information Disclosure.
Prinsip 8: Meningkatkan Pelaksanaan Keterbukaan Informasi.
Principle 8: Improving the Implementation of Information Disclosure.
8.1 Perusahaan Terbuka memanfaatkan penggunaan Informasi mengenai Perseroan dapat diakses dengan Terpenuhi
teknologi informasi secara lebih luas selain situs mudah melalui berbagai platform media sosial, termasuk
web sebagai media keterbukaan informasi. YouTube, Instagram, X, dan Facebook, untuk menjangkau
pemangku kepentingan secara luas dan interaktif.
The Public Company has utilized the use of Information regarding the Company can be easily accessed Complied
information technology more broadly than through various social media platforms, including YouTube,
the website as a media for information disclosure. Instagram, X, and Facebook, to reach stakeholders broadly
and interactively.
8.2 Laporan Tahunan Perusahaan Terbuka Informasi mengenai pemilik manfaat akhir Perseroan Terpenuhi
mengungkapkan pemilik manfaat akhir dalam diungkapkan secara transparan pada bagian Pemegang
kepemilikan saham perusahaan terbuka paling Saham Utama dan Pengendali dalam bab Profil Perusahaan
sedikit 5%, selain pengungkapan pemilik manfaat dalam Laporan Tahunan ini.
akhir dalam kepemilikan saham Perusahaan Terbuka
melalui Pemegang Saham Utama dan Pengendali.
The Public Company’s Annual Report discloses Information on the Company’s ultimate beneficial owners Complied
the ultimate beneficial owner of the Public is transparently disclosed in the Main and Controlling
Company’s share ownership of at least 5%, in Shareholders section under the Company Profile chapter of
addition to the disclosure of ultimate beneficial this Annual Report.
owner in the share ownership of Public Company
through Main and Controlling Shareholders.
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Corporate Governance
Evaluasi Praktik Tata Kelola Perusahaan
Evaluation on the Corporate Governance Practice
Dalam upaya memastikan keberlanjutan bisnis yang sehat dan In an effort to ensure sound and responsible business
bertanggung jawab, Perseroan secara konsisten melakukan sustainability, the Company consistently evaluates its
evaluasi atas praktik GCG. Penilaian ini dilaksanakan dengan GCG practices. This assessment is carried out by referring
merujuk pada berbagai regulasi yang berlaku, yaitu Peraturan to applicable regulations, namely OJK Regulation
OJK No. 73/POJK.05/2016 tentang Tata Kelola Perusahaan No. 73/POJK.05/2016 on Good Corporate Governance
yang Baik bagi Perusahaan Perasuransian, Peraturan OJK for Insurance Companies, OJK Regulation No. 33 of 2025
No. 33 Tahun 2025 tentang Penilaian Tingkat Kesehatan on the Assessment of the Soundness Level of Insurance
Perusahaan Perasuransian, Lembaga Penjamin, dan Dana Companies, Guarantee Institutions, and Pension Funds, and
Pensiun serta Surat Edaran OJK No. 32/SEOJK.04/2015 OJK Circular Letter No. 32/SEOJK.04/2015 on the Guidelines
tentang Pedoman Tata Kelola Perusahaan Terbuka. Evaluasi for Good Corporate Governance of Public Companies.
dilakukan melalui pendekatan komprehensif yang mencakup The evaluation is conducted through a comprehensive
Laporan Tata Kelola Perusahaan yang Baik, Laporan approach that includes the Good Corporate Governance
Tingkat Kesehatan Perusahaan Asuransi bagian GCG, dan Report, the GCG section of the Insurance Company
Self-Assessment Penilaian Tata Kelola Perusahaan yang Baik. Soundness Level Report, and the Self-Assessment of Good
Corporate Governance Evaluation.
Adapun, parameter atau indikator yang digunakan dalam The parameters or indicators used in the Company’s GCG
self-assessment GCG Perseroan diungkapkan dalam tabel self-assessment are disclosed in the following table.
berikut.
Parameter atau Indikator Analisis
Parameter or Indicator Analysis
Analisis Kekuatan, Kelemahan, Peluang, dan Ancaman
Strength, Weakness, Opportunity, and Threat Analysis
Rencana strategis perusahaan harus didukung dengan persiapan Direksi menyusun Rencana Strategis yang tertuang dalam Rencana
infrastruktur yang memadai, antara lain SDM, teknologi informasi, jaringan Bisnis dengan mempertimbangkan kesiapan infrastruktur pendukung
kantor, serta kebijakan dan prosedur. secara menyeluruh, mencakup ketersediaan dan pengembangan SDM,
pemanfaatan teknologi informasi yang andal, penguatan jaringan kantor,
serta penyesuaian kebijakan dan prosedur internal. Langkah ini dilakukan
untuk memastikan bahwa strategi yang ditetapkan dapat diimplementasikan
secara efektif dan selaras dengan tujuan jangka panjang Perseroan.
The company’s strategic plan must be supported by preparation of The Board of Directors prepares the Strategic Plan as outlined
adequate infrastructure, i.e. HR, information technology, office networks, in the Business Plan by comprehensively considering the readiness
as well as policies and procedures. of supporting infrastructure, including the availability and
development of HR, the utilization of reliable information technology,
the strengthening of the office network, as well as the alignment of internal
policies and procedures. This measure is undertaken to ensure that
the established strategies can be implemented effectively and are aligned
with the Company’s long-term objectives.
Tidak terdapat intervensi Pemegang Saham terhadap pembagian Tidak ditemukan adanya intervensi dari Pemegang Saham dalam urusan
keuangan perusahaan yang dilakukan tanpa memperhatikan upaya pembagian keuangan Perseroan yang dilakukan tanpa mempertimbangkan
pemupukan modal untuk mendukung rencana strategis perusahaan. kebutuhan permodalan yang diperlukan untuk mendukung pelaksanaan
Rencana Strategis Perseroan. Hal ini mencerminkan komitmen
Pemegang Saham terhadap prinsip GCG dan dukungan penuh terhadap
keberlangsungan dan pertumbuhan usaha Perseroan secara berkelanjutan.
There is no intervention from the Shareholders on the distribution of No intervention by the Shareholders was identified in matters relating
company’s finances that was done without paying attention to the efforts to the Company’s financial allocations that would disregard the capital
to raise capital to support the company’s strategic plan. requirements necessary to support the implementation of the Company’s
Strategic Plan. This reflects the Shareholders’ commitment to GCG
principles and their full support for the sustainability and long-term growth
of the Company’s business.
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Tata Kelola Perusahaan
Parameter atau Indikator Analisis
Parameter or Indicator Analysis
Pemegang Saham mampu mengatasi kondisi permodalan perusahaan Sampai saat ini, Direksi mengelola Perseroan secara efektif dengan
yang memburuk atau permodalan perusahaan kurang dari jumlah yang menunjukkan kinerja yang menghasilkan capaian positif, sehingga kondisi
ditetapkan sesuai ketentuan Otoritas Jasa Keuangan yang mengatur permodalan tetap terjaga dan tidak mengalami penurunan atau berada
mengenai ekuitas minimum. di bawah batas yang telah ditetapkan. Hal ini mencerminkan pengelolaan
yang prudent dan konsistensi Direksi dalam menjaga stabilitas keuangan
serta mendukung keberlanjutan usaha Perseroan.
The Shareholders manage to overcome deteriorating company’s capital To date, the Board of Directors has managed the Company effectively by
condition or maintain the company’s capital above the minimum amount demonstrating performance that has resulted in positive achievements,
required in the provisions of the Financial Service Authority that regulate thereby ensuring that the Company’s capital condition remains well
the minimum equity. maintained and does not decline or fall below the established thresholds.
This reflects prudent management and the Board of Directors’ consistency
in maintaining financial stability and supporting the Company’s business
sustainability.
Hasil self-assessment GCG berdasarkan Tingkat Kesehatan The result of GCG self-assessment based on the Soundness
Perusahaan Asuransi LGI tahun 2025 diungkapkan sebagai Level of LGI Insurance Company in 2025 is presented as
berikut. follows.
Nilai
Peringkat Definisi
Definition
Rating
1 Mencerminkan manajemen Perseroan telah melakukan penerapan GCG yang secara umum sangat baik. Hal ini tercermin dari
pemenuhan yang sangat memadai atas prinsip-prinsip GCG. Dalam hal terdapat kelemahan dalam penerapan prinsip GCG, maka
secara umum kelemahan tersebut tidak signifikan dan dapat segera dilakukan perbaikan oleh manajemen Perseroan.
This reflects that the Company’s management has implemented Good Corporate Governance (GCG) in a generally excellent manner.
This is evidenced by the very adequate fulfillment of GCG principles. In the event that weaknesses exist in the implementation of
GCG principles, such weaknesses are generally not significant and can be promptly rectified by the Company’s management.
Analisis
Analysis
Struktur Tata Kekuatan Aspek:
Kelola Kekuatan aspek struktur tata kelola Perseroan terletak pada kejelasan pembagian tugas dan pemisahan fungsi di setiap Direktorat
yang telah dituangkan secara formal dalam struktur organisasi Perseroan. Selain itu, Perseroan telah memiliki Direktorat Kepatuhan
dan menunjuk seorang Direktur Kepatuhan yang bertanggung jawab untuk memastikan terlaksananya seluruh ketentuan kepatuhan
di lingkungan Perseroan. Perseroan juga telah memiliki Departemen Enterprise Risk Management guna mendukung penerapan
manajemen risiko secara terintegrasi. Dengan demikian, Perseroan telah memenuhi aspek-aspek utama dalam struktur tata kelola
perusahaan.
Kelemahan aspek:
Kelemahan aspek tata kelola Perseroan terletak pada ketergantungan implementasi atas peraturan pemerintah tertentu yang
memerlukan keterlibatan dan koordinasi dengan pihak eksternal di luar kendali langsung Perseroan. Dalam kondisi tersebut,
keterbatasan kewenangan Perseroan terhadap pihak eksternal dapat menyebabkan proses penyesuaian dan penerapan ketentuan
baru tidak dapat dilakukan secara optimal dalam jangka waktu yang ditetapkan, sehingga berpotensi menimbulkan risiko
ketidakpatuhan.
Governance Strengths of the Aspect:
Structure The strength of the Company’s governance structure lies in the clear division of duties and separation of functions across each
Directorate, which have been formally established in the Company’s organizational structure. In addition, the Company has
established a Compliance Directorate and appointed a Compliance Director responsible for ensuring the implementation of all
compliance requirements within the Company. The Company also has a Enterprise Risk Management Department to support
the implementation of integrated risk management. Accordingly, the Company has met the key requirements of its corporate
governance structure.
Weaknesses of the Aspect:
The weakness in the Company’s governance structure lies in the dependency of implementation on certain government regulations
that require involvement and coordination with external parties beyond the Company’s direct control. Under such circumstances,
the Company’s limited authority over external parties may result in adjustments and the implementation of new provisions not being
carried out optimally within the stipulated timeframe, thereby potentially creating a risk of non-compliance.
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Corporate Governance
Analisis
Analysis
Proses Tata Kekuatan aspek:
Kelola Kekuatan aspek proses tata kelola Perseroan tercermin dari dukungan struktur tata kelola yang telah berjalan secara efektif,
sehingga Perseroan memiliki landasan yang memadai untuk terus meningkatkan dan menyempurnakan proses tata kelola
secara berkelanjutan. Perseroan telah didukung oleh SDM yang mencukupi dengan kompetensi dan kualitas yang memadai,
serta keberadaan unit kerja/satuan kerja dan komite-komite di bawah Direksi maupun Dewan Komisaris yang telah dibentuk dan
berfungsi. Seluruh elemen tersebut memungkinkan penerapan GCG di bidang perasuransian dan pasar modal dapat dilaksanakan
secara konsisten dan berkualitas.
Kelemahan aspek:
Kelemahan aspek proses tata kelola Perseroan masih berpotensi muncul dalam hal disiplin pelaksanaan kewajiban kepatuhan,
khususnya apabila terdapat karyawan yang lalai dalam menjalankan kewajiban sesuai dengan jadwal yang telah ditetapkan dengan
berbagai alasan operasional. Kondisi ini dapat berdampak pada keterlambatan pemenuhan kewajiban tertentu, meskipun tidak
mencerminkan kelemahan pada kebijakan atau struktur tata kelola secara keseluruhan.
Governance Strengths of the Aspect:
Process The strength of the Company’s governance process is reflected in the support of an effective governance structure, providing
the Company with a solid foundation to continuously enhance and refine its governance processes. The Company is supported by
adequate HR with sufficient competence and quality, as well as established and functioning work units/departments and committees
under both the Board of Directors and the Board of Commissioners. These elements enable the consistent and high-quality
implementation of GCG in the insurance and capital market sectors.
Weaknesses of the Aspect:
Potential weaknesses in the Company’s governance process may arise in the discipline of fulfilling compliance obligations, particularly
if employees fail to carry out their responsibilities according to the established schedule due to various operational reasons. Such
conditions may result in delays in fulfilling certain obligations, although they do not reflect weaknesses in the governance policies
or structure as a whole.
Hasil Penerapan Kekuatan aspek:
Tata Kelola Kekuatan aspek hasil penerapan tata kelola Perseroan tercermin dari kinerja keuangan Perseroan yang secara konsisten
menunjukkan pencapaian yang positif dari tahun ke tahun. Capaian tersebut tidak terlepas dari penerapan GCG yang dilaksanakan
secara terencana, berkesinambungan, dan terintegrasi dalam seluruh kegiatan usaha Perseroan sehingga mendukung pengambilan
keputusan yang prudent serta pengelolaan risiko yang efektif.
Kelemahan aspek:
Kelemahan aspek hasil penerapan tata kelola Perseroan berpotensi timbul dalam kondisi tertentu, khususnya apabila terjadi
penurunan intensitas pengawasan pada fungsi kepatuhan, mengingat kompleksitas dan luasnya cakupan kewajiban kepatuhan
yang harus dipenuhi oleh Perseroan. Kondisi tersebut dapat meningkatkan risiko terjadinya keterlambatan atau ketidaksempurnaan
pemenuhan kewajiban tertentu, meskipun secara umum Perseroan telah memiliki sistem dan mekanisme pengawasan yang
memadai.
Governance Strengths of the Aspect:
Outcome The strength of the outcomes of the Company’s governance implementation is reflected in its financial performance, which has
consistently delivered positive results year over year. These achievements are inseparable from the implementation of GCG carried
out in a planned, continuous, and integrated manner across all of the Company’s business activities, thereby supporting prudent
decision-making and effective risk management.
Weaknesses of the Aspect:
Potential weaknesses in the Company’s governance implementation may arise under certain conditions, particularly if oversight
intensity within the compliance function declines, given the complexity and breadth of compliance obligations the Company must
fulfill. Such conditions may increase the risk of delays or incomplete fulfillment of certain obligations, although the Company
generally has adequate monitoring systems and mechanisms in place.
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Tata Kelola Perusahaan
Rapat Umum Pemegang Saham
General Meeting of Shareholders
Rapat Umum Pemegang Saham (RUPS) merupakan forum The General Meeting of Shareholders (GMS) serves as
utama bagi Pemegang Saham untuk mengambil keputusan the principal forum for Shareholders to make strategic
strategis. Melalui RUPS, Pemegang Saham memiliki decisions. Through the GMS, Shareholders are given
kesempatan untuk mengevaluasi kinerja Manajemen, the opportunity to evaluate Management’s performance,
memberikan persetujuan terhadap Laporan Keuangan, dan approve the Financial Statements, and determine
menentukan arah kebijakan Perseroan ke depan. Proses the Company’s future policy direction. This process
ini juga menjadi sarana transparansi dan akuntabilitas, also functions as a mechanism for transparency and
memastikan bahwa setiap keputusan yang diambil accountability, ensuring that every decision taken fairly and
mencerminkan kepentingan pemilik modal secara adil dan openly reflects the interests of the capital owners.
terbuka.
Dalam pelaksanaannya, RUPS biasanya diadakan secara In practice, the GMS is generally convened annually, but it
rutin setiap tahun, tetapi juga bisa digelar secara luar biasa may also be held on an extraordinary basis when necessary
jika diperlukan untuk menangani isu-isu mendesak. Seluruh to address urgent matters. All procedures in the GMS are
prosedur dalam RUPS diatur secara ketat agar berjalan sesuai strictly regulated to ensure compliance with prevailing
dengan peraturan perundang-undangan dan Anggaran laws and regulations as well as the Company’s Articles of
Dasar Perseroan. Partisipasi aktif Pemegang Saham dalam Association. The active participation of Shareholders in
RUPS sangat penting untuk menjaga keseimbangan the GMS is essential to maintaining a balance of authority
kekuasaan dan memastikan Perseroan berjalan dengan and ensuring that the Company operates in accordance with
prinsip GCG. Dengan demikian, RUPS tidak hanya menjadi GCG principles. Therefore, the GMS is not merely a formal
kewajiban formal, melainkan juga sarana strategis dalam obligation, but also a strategic means of fostering synergy
membangun sinergi antara manajemen dan Pemegang between Management and Shareholders.
Saham.
Wewenang RUPS The Authority of the GMS
Keputusan-keputusan strategis dalam Perseroan harus Strategic decisions of the Company must be exercised
melalui wewenang yang jelas dan terstruktur. Informasi through clear and structured authority. The authorities of
mengenai wewenang RUPS diuraikan sebagai berikut. the GMS are as follows.
1. RUPS berwenang untuk menyetujui atau menolak 1. The GMS has the authority to approve or reject
Laporan Tahunan dan Laporan Keuangan yang the Annual Report and Financial Statements submitted
disampaikan oleh Perseroan. by the Company.
2. RUPS menentukan kebijakan terkait pembagian dividen 2. The GMS determines policies related to dividend
atau penggunaan laba Perseroan lainnya. distribution or other uses of the Company’s profits.
3. RUPS memiliki hak untuk memilih, mengangkat, dan 3. The GMS has the right to elect, appoint, and, if necessary,
jika perlu memberhentikan anggota Dewan Komisaris dismiss members of the Board of Commissioners and
maupun Direksi, serta menentukan gaji dan tunjangan Board of Directors, as well was determine the salaries and
anggota Dewan Komisaris dan Direksi. allowances of members of the Board of Commissioners
and Board of Directors.
4. RUPS dapat mengambil keputusan untuk mengubah 4. The GMS may resolve to amend or stipulate
atau menetapkan Anggaran Dasar Perseroan sesuai the Company’s Articles of Association in accordance
kebutuhan bisnis dan regulasi. with business needs and applicable regulations.
5. RUPS berwenang memberikan persetujuan atas 5. The GMS is authorized to grant approval for major
tindakan korporasi besar, seperti merger, akuisisi, atau corporate actions, including mergers, acquisitions, or
pembubaran Perseroan. the dissolution of the Company.
6. Melalui RUPS, Pemegang Saham dapat mengarahkan 6. Through the GMS, Shareholders may provide direction
kebijakan dan rencana strategis jangka panjang on the Company’s policies and long-term strategic plans.
Perseroan.
182 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
7. RUPS dapat memberikan kuasa khusus kepada Direksi 7. The GMS may grant specific powers of attorney to
atau pihak tertentu untuk melakukan tindakan tertentu the Board of Directors or other designated parties to
atas nama Perseroan, serta penunjukan Akuntan Publik. carry out certain actions on behalf of the Company, and
appoint a Public Accountant.
Jenis RUPS Types of GMS
RUPS terbagi menjadi 2 jenis, yaitu RUPS Tahunan yang The GMS is divided into 2 types, namely the Annual GMS,
dilaksanakan secara rutin setiap tahun dan RUPS Luar Biasa which is held annually, and the Extraordinary GMS that shall
yang diselenggarakan sesuai kebutuhan untuk membahas be held as required to discuss significant matters outside
hal-hal penting di luar jadwal tahunan. Informasi lebih lanjut the annual schedule. Further information regarding each
mengenai kedua jenis RUPS tersebut diuraikan sebagai type of GMS is presented below.
berikut.
1 RUPS Tahunan 2 RUPS Luar Biasa
Annual GMS Extraordinary GMS
RUPS Tahunan merupakan forum resmi yang diadakan setiap RUPS Luar Biasa diselenggarakan kapan pun diperlukan, biasanya
tahun untuk membahas dan mengambil keputusan terkait untuk menangani isu-isu yang mendesak atau penting yang tidak
hal-hal penting dalam Perseroan, seperti persetujuan Laporan dapat ditunda sampai RUPS Tahunan berikutnya. Topik yang
Keuangan Tahunan, pembagian dividen, pengangkatan dibahas dalam RUPS Luar Biasa, antara lain perubahan Anggaran
anggota Dewan Komisaris dan Direksi, serta evaluasi kinerja Dasar Perseroan, pengangkatan atau pemberhentian anggota
Perseroan selama 1 periode. RUPS Tahunan menjadi momen Dewan Komisaris atau Direksi, dan keputusan strategis yang
krusial bagi Pemegang Saham untuk mendapatkan informasi memerlukan persetujuan segera dari para Pemegang Saham.
transparan mengenai kondisi Perseroan dan memberikan suara RUPS Luar Biasa memberikan fleksibilitas bagi Perseroan untuk
atas berbagai kebijakan strategis yang memengaruhi arah dan merespons perubahan atau tantangan yang muncul secara cepat
perkembangan Perseroan ke depan. dan tepat waktu.
The Annual GMS is a formal forum convened each year to discuss The Extraordinary GMS is convened whenever necessary, typically
and resolve key matters of the Company, including the approval to address urgent or significant matters that cannot be postponed
of the Annual Financial Statements, distribution of dividends, until the next Annual GMS. Topics discussed at an Extraordinary
appointment of members of the Board of Commissioners and GMS may, include amendments to the Company’s Articles of
Board of Directors, as well as evaluation of the Company’s Association, appointment or dismissal of members of the Board of
performance over 1-year period. The Annual GMS serves Commissioners or Board of Directors, and other strategic decisions
as a crucial moment for Shareholders to obtain transparent requiring prompt approval from Shareholders. Extraordinary GMS
information regarding the Company’s condition and to exercise provides the Company with the flexibility to respond swiftly and
their voting rights on various strategic policies that will influence appropriately to emerging changes or challenges.
the Company’s future direction and development.
Pelaksanaan RUPS Tahunan 2025 2025 Annual GMS Implementation
Sepanjang tahun 2025, Perseroan telah menyelenggarakan Throughout 2025, the Company held 1 Annual GMS and
1 kali RUPS Tahunan dan 2 kali RUPS Luar Biasa. Informasi 2 Extraordinary GMS. Information regarding the GMS
terkait penyelenggaraan RUPS tersebut diungkapkan implementation is disclosed as follows.
sebagai berikut.
RUPS Tahunan 2025
2025 Annual GMS
Tahap Pelaksanaan RUPS Tahunan 2025
Stages of 2025 Annual GMS Implementation
Pemberitahuan Mata acara RUPS diberitahukan kepada Otoritas Jasa Keuangan pada 13 Maret 2025.
Notification The GMS agenda was notified to the Financial Services Authority on March 13th, 2025.
Pengumuman Diumumkan pada 21 Maret 2025 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian Sentral
Announcement Efek Indonesia.
Announced on March 21st, 2025 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 183
Page 186
Tata Kelola Perusahaan
Tahap Pelaksanaan RUPS Tahunan 2025
Stages of 2025 Annual GMS Implementation
Pemanggilan Dipublikasikan pada 7 April 2025 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian Sentral
Notice Efek Indonesia.
Published on April 7th, 2025 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s websites.
Pelaksanaan Diselenggarakan pada 29 April 2025 pukul 10.15-11.19 WIB di Karawaci Office Park Blok I No. 30-35, Lippo
Execution Village, Tangerang 15139 - Indonesia.
Held on April 29th, 2025, 10:15 - 11:19 WIB at Karawaci Office Park Block I No. 30-35, Lippo Village, Tangerang
15139, Indonesia.
Hasil RUPS Ringkasan Rapat dipublikasikan pada 2 Mei 2025 di situs web Perseroan dan Bursa Efek Indonesia. Ringkasan
GMS Resolutions Rapat tertuang dalam Akta Berita Acara Rapat Umum Pemegang Saham Tahunan PT Lippo General
Insurance Tbk No. 82 tanggal 29 April 2025 yang dibuat oleh Notaris Sriwi Bawana Nawaksari, SH, MKn.
Summary of the Meeting was published on May 2nd, 2025 on the Company and the Indonesia Stock
Exchange’s websites. The Meeting summary is contained in the Deed of Minutes of Annual General
Meeting of Shareholders of PT Lippo General Insurance Tbk No. 82 dated April 29th, 2025 made by
Notary Sriwi Bawana Nawaksari, SH, MKn.
Peserta RUPS Tahunan 2025
2025 Annual GMS Attendance
Pemegang Saham RUPS Tahunan dihadiri oleh Pemegang Saham dan/atau Kuasa Pemegang Saham yang seluruhnya mewakili
Shareholders 2.781.222.000 saham yang merupakan 92,71% dari seluruh jumlah saham dengan hak suara yang sah yang
telah dikeluarkan oleh Perseroan.
The Annual GMS was attended by Shareholders and/or Shareholders’ Proxies, who all represented
2,781,222,000 shares which constituted 92.71% of the total number of shares with valid voting rights that had
been issued by the Company.
Dewan Komisaris Presiden Komisaris
Kim Dong Wook*)
The Board of Commissioners President Commissioner
Komisaris
Ali Chendra
Commissioner
Komisaris Independen
Hyacintus Henri Djantoko
Independent Commissioner
Direksi Presiden Direktur
Agus Benjamin
The Board of Directors President Director
Wakil Presiden Direktur
Choi Hyunhee
Vice President Director
Direktur
Kwon Gi Han
Director
Direktur
Gilbert Deddy Naibaho
Director
Pihak Independen Dalam penyelenggaraan RUPS Tahunan tahun 2025, Perseroan tidak menunjuk pihak independen untuk
Independent Party melakukan proses perhitungan suara dan validasinya.
In holding the 2025 Annual GMS, the Company did not appoint an independent party to carry out the vote
counting and validation process.
*) Hadir melalui video konferensi.
Attend via video conference.
Mekanisme Pengambilan Keputusan
Decision Making Mechanism
Keputusan RUPS Tahunan dilakukan dengan cara musyawarah untuk mufakat, apabila tidak tercapai musyawarah untuk mufakat, maka keputusan dapat
diambil berdasarkan pemungutan suara. Pemegang Saham atau kuasanya yang memberikan suara tidak setuju/atau suara blangko diminta oleh Ketua
Rapat untuk mengangkat tangan untuk Pemegang Saham yang hadir secara fisik dan secara elektronik melalui eASY.KSEI.
The Annual GMS resolutions were made by deliberation for consensus, if deliberation for consensus is not reached, then decisions can be taken based
on voting. Shareholders or their proxies who vote against and/or blank votes are required by the Chairman of the Meeting to raise their hands, for
Shareholders who are present in person and electronically through eASY.KSEI system.
184 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Hasil Keputusan RUPS Tahunan 2025
2025 Annual GMS Resolutions
Mata Acara 1
First Agenda Item
Keputusan
Agenda
Resolution
Persetujuan dan pengesahan atas Laporan Tahunan Perseroan dan Laporan 1. Menyetujui dan menerima dengan baik Laporan Tahunan berikut
Keuangan Auditan Perseroan termasuk Laporan Tugas Pengawasan Laporan Keberlanjutan Perseroan termasuk Laporan Tugas Pengawasan
Dewan Komisaris Perseroan untuk tahun buku yang berakhir pada tanggal Dewan Komisaris, untuk tahun buku yang berakhir pada tanggal
31 Desember 2024 serta memberikan pelunasan dan pembebasan 31 Desember 2024, serta menyetujui Rencana Bisnis dan Rencana Aksi
tanggung jawab sepenuhnya (acquit et de charge) kepada seluruh anggota Keuangan Berkelanjutan untuk tahun 2025.
Dewan Komisaris dan Direksi Perseroan atas tindakan pengawasan dan 2. Menyetujui dan mengesahkan Laporan Keuangan Auditan yang
pengurusan yang dilakukan dalam tahun buku yang berakhir pada tanggal terdiri dari Neraca dan Perhitungan Laba Rugi Perseroan untuk
31 Desember 2024. Termasuk melaporkan Rencana Bisnis dan Rencana tahun buku yang berakhir pada tanggal 31 Desember 2024, yang
Aksi Keuangan Berkelanjutan untuk tahun 2025. telah diaudit oleh Kantor Akuntan Publik Suharli, Sugiharto & Rekan,
dengan pendapat menyajikan secara wajar, dalam semua hal
yang material. Sebagaimana Laporan Auditor Independen melalui
suratnya No. 00093/2.1315/AU.1/08/1017-2/1/III/2025 tertanggal
26 Maret 2025.
3. Memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya
(acquit et de charge) kepada seluruh Anggota Direksi dan Anggota
Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan
yang telah dilakukan di tahun buku yang berakhir pada tanggal
31 Desember 2024 sepanjang tindakan tersebut tercermin dalam
Laporan Tahunan.
Approval and ratification of the Company’s Annual Report and Audited 1. Approved and accepted the Company’s Annual Report, including
Financial Statements, including the Board of Commissioners’ Supervisory the Sustainability Report and the Board of Commissioners’ Supervisory
Report for the financial year ended on December 31st, 2024, as well as Report for the financial year ended on December 31st, 2024, as well as
the granting of full acquittal and discharge (acquit et de charge) to all approved the Company’s Business Plan and Sustainable Finance Action
members of the Company’s Board of Commissioners and Board of Plan for 2025.
Directors for their supervisory and management actions taken throughout 2. Approved and ratified the Company’s Audited Financial Statements
the financial year ended on December 31st, 2024, including the reporting consisting of the balance sheet and statements of profit or loss for
of the Business Plan and Sustainable Finance Action Plan for 2025. the financial year ended on December 31st, 2024, which had been
audited by Suharli, Sugiharto & Rekan Public Accounting Firm, with
an opinion that the financial statements are fairly presented, in all
material respects, as stated in the Independent Auditor’s Report letter
No. 00093/2.1315/AU.1/08/1017-2/1/III/2025 dated March 26th, 2025.
3. Granted full acquittal and discharge (acquit et de charge) to all
Members of the Board of Directors and Members of the Board
of Commissioners of the Company for their management and
supervisory actions taken throughout the financial year ended on
December 31st, 2024, insofar as such actions are reflected in
the Annual Report.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.781.222.000 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,781,222,000 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 2
Second Agenda Item
Keputusan
Agenda
Resolution
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir 1. Menyetujui keuntungan setelah pajak yang diperoleh Perseroan untuk
pada tanggal 31 Desember 2024. tahun buku yang berakhir pada tanggal 31 Desember 2024 sejumlah
Rp62,3 miliar, digunakan untuk memenuhi ketentuan pasal 70 juncto
pasal 71 Undang-undang Perseroan Terbatas No. 40 tahun 2007 dan
pasal 26 Anggaran Dasar Perseroan yaitu:
a. Menyisihkan laba bersih tahun buku 2024 sebesar Rp1 miliar sebagai
tambahan cadangan umum sehingga cadangan umum menjadi
sebesar Rp24 miliar;
b. Membagikan dividen tunai sebesar Rp18 miliar yang diambil dari
laba bersih kepada 3 miliar saham yang dikeluarkan oleh Perseroan,
dengan demikian setiap saham akan memperoleh Dividen Tunai
sebesar Rp6,- per lembar; serta
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 185
Page 188
Tata Kelola Perusahaan
Hasil Keputusan RUPS Tahunan 2025
2025 Annual GMS Resolutions
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir c. Laba bersih tahun buku 2024 setelah dikurangi penempatan pada
pada tanggal 31 Desember 2024. cadangan umum sebesar Rp1 miliar dan pembagian dividen tunai,
selanjutnya Rp43,3 miliar akan ditempatkan sebagai laba ditahan.
2. Perseroan akan melaksanakan pembayaran dividen tunai dengan
ketentuan pemotongan pajak dividen sesuai dengan ketentuan
perpajakan yang berlaku.
3. Rapat memberi kuasa kepada Direksi Perseroan untuk melakukan semua
tindakan yang diperlukan berkaitan dengan pelaksanaan pembagian
dividen tunai tersebut termasuk tidak terbatas untuk menentukan waktu,
tanggal, dan cara pembayaran dividen tunai.
Determination of the utilization of the Company’s profit for the financial 1. Approved the profit after tax obtained by the Company for the financial
year ended on December 31st, 2024. year ended on December 31st, 2024, amounting to Rp62.3 billion, to
be used to comply with the provisions of Article 70 in conjunction
with Article 71 of Limited Liability Company Law No. 40 of 2007 and
Article 26 of the Company’s Articles of Association, as follows:
a. Setting aside a net profit for the 2024 financial year of Rp1 billion
as additional general reserves, bringing the general reserves to
Rp24 billion;
b. Distributing cash dividends of Rp18 billion taken from the net profit to
3 billion shares issued by the Company; thus, each share shall receive
cash dividends of Rp6,- per share; and
c. The net profit for the 2024 financial year, after deducting
the allocation to general reserves of Rp1 billion and the distribution
of cash dividends amounting to Rp43.3 billion, shall be recorded as
retained earnings.
2. The Company shall pay the cash dividends by applying the provisions
for withholding dividend tax in accordance with the applicable tax
regulations.
3. The Meeting authorizes the Company’s Board of Directors to take all
necessary actions related to the distribution of cash dividends, including
but not limited to determining the time, date, and method of payment
of the cash dividends.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.781.222.000 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,781,222,000 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 3
Third Agenda Item
Keputusan
Agenda
Resolution
Pengangkatan dan/atau penegasan susunan anggota Dewan Komisaris 1. Memberikan pembebasan dan pelunasan (acquit et decharge) dari tugas
dan Direksi termasuk Komisaris Independen serta penetapan gaji/ pengawasan kepada Almarhum Bapak Johannes Agus atas tindakan
honorarium dan/atau remunerasi lainnya bagi anggota Dewan Komisaris pengawasan terhadap Perseroan dari jabatan Komisaris Independen
dan Direksi Perseroan. Perseroan selama memangku jabatannya tersebut.
2. Menyetujui rencana pengunduran diri Bapak Ali Chendra selaku
Komisaris Perseroan dengan ketentuan Jabatan *)Bapak Ali Chendra
berlaku sampai penggantinya yaitu Bapak Roberto Fernandez Feliciano
telah dinyatakan sah menjadi Komisaris Perseroan. Dan Jabatan
**)
Bapak Roberto Fernandez Feliciano akan sah berlaku setelah
dinyatakan lulus Penilaian Kemampuan dan Kepatutan oleh OJK
Perasuransian dan ditetapkan dalam akta tersendiri.
Dengan demikian susunan anggota Direksi, anggota Dewan Komisaris,
dan anggota Komisaris Independen Perseroan saat ini, dengan susunan
sebagai berikut.
Direksi
Presiden Direktur : Agus Benjamin
Wakil Presiden Direktur : Choi Hyunhee
Direktur : Kwon Gi Han
Direktur : Gilbert Deddy Naibaho
186 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Hasil Keputusan RUPS Tahunan 2025
2025 Annual GMS Resolutions
Dewan Komisaris
Presiden Komisaris : Kim Dong Wook
Komisaris : Ali Chendra*)
Komisaris : Roberto Fernandez Feliciano**)
Komisaris Independen : Hyacintus Henri Djantoko
Komisaris Independen : Johannes Agus
3. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk
menetapkan honorarium, gaji, bonus, dan atau renumerasi lainnya bagi
Anggota Direksi dan Anggota Dewan Komisaris Perseroan.
4. Memberikan wewenang dan/atau kuasa penuh dengan hak substitusi
kepada Direksi Perseroan untuk melakukan segala tindakan yang
diperlukan dan/atau disyaratkan sehubungan dengan pengangkatan
dan penetapan susunan Anggota Direksi dan Anggota Dewan Komisaris
Perseroan yang baru termasuk tetapi tidak terbatas untuk menyatakan
Pengangkatan Anggota Direksi dan Anggota Dewan Komisaris
ke dalam suatu akta Notaris tersendiri, menghadap di hadapan Notaris,
mengajukan serta menandatangani semua permohonan dan dokumen
lainnya yang diperlukan sesuai dengan peraturan dan perundang-
undangan yang berlaku, termasuk kepada Menteri Hukum Republik
Indonesia terkait dengan perubahan susunan pengurus Perseroan,
tanpa ada yang dikecualikan, serta mengadakan akta penegasan
apabila diperlukan karenanya berhak untuk mengajukan permohonan,
menandatangani segala surat-surat dan dokumen yang diperlukan,
serta melakukan tindakan lainnya.
Appointment and/or affirmation of the members of the Board of 1. Granted release and discharge (acquit et de charge) from supervisory
Commissioners and Board of Directors, including Independent duties to the late Mr. Johannes Agus for his supervisory actions toward
Commissioners, as well as the determination of salary/honorarium the Company during his tenure as an Independent Commissioner of the
and/or other remuneration for members of the Board of Commissioners Company.
and Board of Directors of the Company. 2. Approved the proposed resignation of Mr. Ali Chendra as Commissioner
of the Company, with the provision that the term of office of
*)
Mr. Ali Chendra shall remain effective until his replacement,
Mr. Roberto Fernandez Feliciano, is validly declared as Commissioner of
the Company. And the term of office of **) Mr. Roberto Fernandez
Feliciano shall become effective after he has been declared to have
passed the Fit and Proper Test by the Insurance Supervision Department
of OJK and has been stipulated in a separate notarial deed.
Accordingly, the composition of the members of the Board of Directors,
Board of Commissioners, and Independent Commissioners of the
Company at present is as follows.
Board of Directors
President Director : Agus Benjamin
Vice President Director : Choi Hyunhee
Director : Kwon Gi Han
Director : Gilbert Deddy Naibaho
Board of Commissioners
President Commissioner : Kim Dong Wook
Commissioner : Ali Chendra *)
Commissioner : Roberto Fernandez Feliciano **)
Independent Commissioner : Hyacintus Henri Djantoko
Independent Commissioner : Johannes Agus
3. Authorized the Company’s Board of Commissioners to determine
the honorarium, salary, bonus, and/or other remuneration for
the Members of the Board of Directors and Board of Commissioners of
the Company.
4. Granted full authority and/or power of attorney, with the right of
substitution, to the Company’s Board of Directors to take all necessary
and/or required actions in connection with the appointment and
determination of the new composition of the Board of Directors and
Board of Commissioners of the Company, including but not limited to
declaring the appointment of the members of the Board of Directors
and members of the Board of Commissioners in a separate Notarial
deed, appearing before a Notary, submitting and signing all applications
and other documents required under applicable laws and regulations,
including to the Minister of Law of the Republic of Indonesia in relation
to changes in the Company’s management structure, without exception,
and to execute a deed of affirmation if required, and therefore to submit
applications, sign all necessary papers and documents, and take any
other required actions.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 187
Page 190
Tata Kelola Perusahaan
Hasil Keputusan RUPS Tahunan 2025
2025 Annual GMS Resolutions
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.781.222.000 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,781,222,000 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 4
Fourth Agenda Item
Keputusan
Agenda
Resolution
Penunjukan Kantor Akuntan Publik yang akan melakukan audit atas Menyetujui pemberian kuasa dan pelimpahan kewenangan kepada
buku-buku Perseroan untuk tahun buku 2025 dan pemberian wewenang Dewan Komisaris Perseroan untuk menunjuk Akuntan Publik Independen
kepada Dewan Komisaris Perseroan untuk menetapkan honorarium dan dari Kantor Akuntan Publik (KAP) untuk melakukan pemeriksaan atas
persyaratan lain penunjukan tersebut. Laporan Keuangan Perseroan untuk tahun buku yang berakhir tanggal
31 Desember 2025, berikut besaran nilai jasanya sesuai ketentuan dan
peraturan yang berlaku, termasuk untuk menunjuk KAP pengganti
bilamana karena sebab apa pun juga berdasarkan ketentuan pasar modal
di Indonesia apabila KAP yang ditunjuk tidak dapat melakukan tugasnya,
dengan kriteria bahwa KAP tersebut terdaftar di Otoritas Jasa Keuangan
(OJK) sesuai ketentuan yang berlaku dan memiliki reputasi yang baik; dan
menetapkan honorarium serta persyaratan-persyaratan lain sehubungan
dengan penunjukan akuntan publik tersebut dengan memperhatikan
rekomendasi Komite Audit Perseroan.
Appointment of a Public Accounting Firm to audit the Company’s books Delegated authority to the Company’s Board of Commissioners to appoint
for the 2025 financial year and authorization of the Company’s Board an Independent Public Accountant from a Public Accounting Firm (KAP)
of Commissioners to determine the honorarium and other terms of to audit the Company’s Financial Statements for the financial year ended
the appointment. on December 31st, 2025, including the determination of the amount of
professional fees in accordance with the prevailing laws and regulations,
as well as to appoint a substitute Public Accounting Firm, if, for any reason
and in accordance with the capital market regulations in Indonesia,
the appointed KAP is unable to perform its duties, provided that
the appointed KAP is registered with the Financial Services Authority (OJK)
in accordance with the applicable regulations and has a good reputation,
and to determine the honorarium and other terms and conditions of
the appointment of the public accountant by considering
the recommendations of the Company’s Audit Committee.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.781.222.000 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,781,222,000 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
RUPS Luar Biasa 20 Januari 2025
Extraordinary GMS on January 20th, 2025
Tahap Pelaksanaan RUPS Luar Biasa 20 Januari 2025
Extraordinary GMS Implementation on January 20th, 2025
Pemberitahuan Mata acara RUPS diberitahukan kepada Otoritas Jasa Keuangan pada 4 Desember 2024.
Notification The GMS agenda was notified to the Financial Services Authority on December 4th, 2024.
Pengumuman Diumumkan pada 12 Desember 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Announcement Sentral Efek Indonesia.
Announced on December 12th, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian
Central Custodian’s websites.
Pemanggilan Dipublikasikan pada 27 Desember 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Notice Sentral Efek Indonesia.
Published on December 27th, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian
Central Custodian’s websites.
188 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 191
Corporate Governance
Tahap Pelaksanaan RUPS Luar Biasa 20 Januari 2025
Extraordinary GMS Implementation on January 20th, 2025
Pelaksanaan Diselenggarakan pada 20 Januari 2025 pukul 10.12-10.23 WIB di Karawaci Office Park Blok I No. 30-35,
Execution Lippo Village, Tangerang 15139 - Indonesia.
Held on January 20th, 2025, 10.12-10.23 WIB at Karawaci Office Park Block I No. 30-35, Lippo Village,
Tangerang 15139 - Indonesia.
Hasil RUPS Ringkasan Rapat dipublikasikan pada 21 Januari 2025 di situs web Perseroan dan Bursa Efek Indonesia.
GMS Resolutions Ringkasan Rapat tertuang dalam Akta Berita Acara RUPS Tahunan PT Lippo General Insurance Tbk No. 30
tanggal 20 Januari 2025 yang dibuat oleh Notaris Sriwi Bawana Nawaksari, SH, MKn.
Summary of the Meeting was published on January 21st, 2025 on the Company and
the Indonesia Stock Exchange’s websites. The Meeting summary is contained in the Deed of Minutes of
Annual GMS of PT Lippo General Insurance Tbk No. 30 dated January 20th, 2025 made by Notary Sriwi
Bawana Nawaksari, SH, MKn.
Peserta RUPS Luar Biasa 20 Januari 2025
Attendance Extraordinary GMS on January 20th, 2025
Pemegang Saham RUPS Luar Biasa dihadiri oleh Pemegang Saham dan/atau Kuasa Pemegang Saham yang seluruhnya mewakili
Shareholders 2.920.938.100 saham yang merupakan 97,36% dari seluruh jumlah saham dengan hak suara yang sah yang
telah dikeluarkan oleh Perseroan.
The Extraordinary GMS was attended by Shareholders and/or Shareholders’ Proxies, who all represented
2,920,938,100 shares which constituted 97.36% of the total number of shares with valid voting rights that had
been issued by the Company.
Dewan Komisaris Komisaris
Ali Chendra
The Board of Commissioners Commissioner
Komisaris Independen
Hyacintus Henri Djantoko
Independent Commissioner
Direksi Presiden Direktur
Agus Benjamin
The Board of Directors President Director
Wakil Presiden Direktur
Choi Hyunhee
Vice President Director
Direktur
Kwon Gi Han
Director
Pihak Independen Dalam penyelenggaraan RUPS Luar Biasa, Perseroan tidak menunjuk pihak independen untuk melakukan
Independent Party proses perhitungan suara dan validasinya.
In holding the Extraordinary GMS, the Company did not appoint an independent party to carry out the vote
counting and validation process.
Mekanisme Pengambilan Keputusan
Decision Making Mechanism
Keputusan RUPS Luar Biasa dilakukan dengan cara musyawarah untuk mufakat, apabila tidak tercapai musyawarah untuk mufakat, maka keputusan
dapat diambil berdasarkan pemungutan suara. Pemegang Saham atau kuasanya yang memberikan suara tidak setuju/atau suara blangko diminta oleh
Ketua Rapat untuk mengangkat tangan untuk Pemegang Saham yang hadir secara fisik dan secara elektronik melalui eASY.KSEI.
The Extraordinary GMS resolutions were made by deliberation for consensus, if deliberation for consensus is not reached, then decisions can be taken
based on voting. Shareholders or their proxies who vote against and/or blank votes are required by the Chairman of the Meeting to raise their hands, for
Shareholders who are present in person and electronically through eASY.KSEI system.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 189
Page 192
Tata Kelola Perusahaan
Hasil Keputusan RUPS Luar Biasa 20 Januari 2025
Resolutions of Extraordinary GMS on January 20th, 2025
Mata Acara 1
First Agenda Item
Keputusan
Agenda
Resolution
Pengesahan pengunduran diri Komisaris Independen dan Komisaris 1. Menerima baik pengunduran diri dan memberikan pelunasan
Perseroan dalam rangka pemenuhan ketentuan Pasal 76 ayat (2) POJK serta pembebasan tanggung jawab (acquit et de charge) kepada
No. 23 Tahun 2023 tentang Perizinan Usaha dan Kelembagaan Ibu Jamilah Mawira Sungkar sebagai Komisaris Independen Perseroan
Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahan Reasuransi, dan Bapak Lee Jaehyun sebagai Komisaris Perseroan, masing-masing
dan Perusahaan Reasuransi Syariah. atas tindakan pengawasan yang dilakukannya selama masa jabatan
keduanya sampai dengan pengunduran diri yang efektif per tanggal
30 November 2024.
2. Menegaskan susunan Dewan Komisaris dan Direksi Perseroan
untuk masa jabatan terhitung sejak ditutupnya Rapat ini
sampai dengan ditutupnya RUPS Tahunan yang akan
diselenggarakan pada tahun 2026, dengan susunan anggota
Dewan Komisaris dan Direksi Perseroan menjadi sebagai berikut.
Dewan Komisaris
Presiden Komisaris : Kim Dong Wook
Komisaris : Ali Chendra
Komisaris Independen : Hyacintus Henri Djantoko
Komisaris Independen : Johannes Agus
Direksi
Presiden Direktur : Agus Benjamin
Wakil Presiden Direktur : Choi Hyunhee
Direktur : Kwon Gi Han
Direktur : Gilbert Deddy Naibaho
3. Memberikan wewenang dan kuasa penuh dengan hak substitusi
kepada Direksi Perseroan baik sendiri-sendiri maupun bersama-sama
untuk melakukan segala tindakan yang diperlukan berkaitan dengan
keputusan-keputusan sebagaimana diambil dan/atau diputuskan
dalam Rapat ini, termasuk tetapi tidak terbatas untuk menyatakan
Susunan anggota Dewan Komisaris dan Direksi Perseroan dalam akta
Notaris bilamana dianggap perlu, melakukan pemberitahuan kepada
Menteri Hukum Republik Indonesia dan mendaftarkan susunan
Dewan Komisaris dan Direksi Perseroan sebagaimana disebutkan
di atas dalam Daftar Perseroan sesuai dengan peraturan perundang-
undangan yang berlaku.
Approval of the resignation of the Independent Commissioner and 1. Accepted the resignation and granted full acquittal and discharge
Commissioner of the Company in order to comply with the provisions of (acquit et de charge) to Mrs. Jamilah Mawira Sungkar as
Article 76 paragraph (2) of POJK No. 23 of 2023 on Business Licensing the Company’s Independent Commissioner and Mr. Lee Jaehyun
and Institutional Requirements of Insurance Companies, Sharia Insurance as the Company’s Commissioner, respectively, for their supervisory
Companies, Reinsurance Companies, and Sharia Reinsurance Companies. actions carried out during their respective terms of office up to
the effective date of resignation on November 30th, 2024.
2. Reaffirmed the composition of the Board of Commissioners and Board
of Directors of the Company for the term of office effective from
the closure of this Meeting until the closure of the Annual GMS to be
held in 2026, with the following composition.
Board of Commissioners
President Commissioner : Kim Dong Wook
Commissioner : Ali Chendra
Independent Commissioner : Hyacintus Henri Djantoko
Independent Commissioner : Johannes Agus
Board of Directors
President Director : Agus Benjamin
Vice President Director : Choi Hyunhee
Director : Kwon Gi Han
Director : Gilbert Deddy Naibaho
3. Granted full authority and power of attorney, with the right
of substitution, to the Company’s Board of Directors, either
individually or jointly, to take all necessary actions in connection with
the resolutions adopted and/or decided at this Meeting, including
but not limited to declaring the Composition of the members of
the Board of Commissioners and Board of Directors of the Company
in a Notarial deed if deemed necessary, notifying the Minister of Law
of the Republic of Indonesia, and registering the composition of
the Board of Commissioners and Board of Directors of the Company
as stated above in the Company Register, in accordance with
the prevailing laws and regulations.
190 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 193
Corporate Governance
Hasil Keputusan RUPS Luar Biasa 20 Januari 2025
Resolutions of Extraordinary GMS on January 20th, 2025
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.920.938.100 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,920,938,100 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
RUPS Luar Biasa 12 Desember 2025
Extraordinary GMS on December 12th, 2025
Tahap Pelaksanaan RUPS Luar Biasa 12 Desember 2025
Stages of Extraordinary GMS Implementation on December 12th, 2025
Pemberitahuan Mata acara RUPS diberitahukan kepada Otoritas Jasa Keuangan pada 16 Oktober 2025.
Notification The GMS agenda was notified to the Financial Services Authority on October 16th, 2025.
Pengumuman Diumumkan pada 5 November 2025 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Announcement Sentral Efek Indonesia.
Announced on November 5th, 2025 via the Company, the Indonesia Stock Exchange, and the Indonesian
Central Custodian’s websites.
Pemanggilan Dipublikasikan pada 20 November 2025 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Notice Sentral Efek Indonesia.
Published on November 20th, 2025 via the Company, the Indonesia Stock Exchange, and the Indonesian
Central Custodian’s websites.
Pelaksanaan Diselenggarakan pada 12 Desember 2025 pukul 10.15-10.46 WIB di Karawaci Office Park Blok I No. 30 - 35,
Execution Lippo Village, Tangerang 15139 - Indonesia.
Held on December 12th, 2025, 10.15-10.46 WIB at Karawaci Office Park Block I No. 30-35, Lippo Village,
Tangerang 15139 - Indonesia.
Hasil RUPS Ringkasan Rapat dipublikasikan pada 16 Desember 2025 di situs web Perseroan dan Bursa Efek Indonesia.
GMS Resolutions Ringkasan Rapat tertuang dalam Akta Berita Acara RUPS Luar Biasa PT Lippo General Insurance Tbk No. 32
tanggal 12 Desember 2025 yang dibuat oleh Notaris Sriwi Bawana Nawaksari, SH, MKn.
Summary of the Meeting was published on December 16th, 2025 on the Comwpany and the Indonesia Stock
Exchange’s websites. The Meeting summary is contained in the Deed of Minutes of Extraordinary GMS of
PT Lippo General Insurance Tbk No. 32 dated December 12th, 2025, made by Notary Sriwi Bawana
Nawaksari, SH, MKn.
Peserta RUPS Luar Biasa 12 Desember 2025
Attendance Extraordinary GMS on December 12th, 2025
Pemegang Saham RUPS Luar Biasa dihadiri oleh Pemegang Saham dan/atau Kuasa Pemegang Saham yang seluruhnya mewakili
Shareholders 2.920.927.100 saham yang merupakan 97,36% dari seluruh jumlah saham dengan hak suara yang sah yang
telah dikeluarkan oleh Perseroan.
The Extraordinary GMS was attended by Shareholders and/or Shareholders’ Proxies, who all represented
2,920,927,100 shares which constituted 97.36% of the total number of shares with valid voting rights that had
been issued by the Company.
Dewan Komisaris Komisaris
Roberto Fernandez Feliciano
The Board of Commissioners Commissioner
Komisaris Independen
Hyacintus Henri Djantoko
Independent Commissioner
Direksi Presiden Direktur
Agus Benjamin
The Board of Directors President Director
Wakil Presiden Direktur
Choi Hyunhee
Vice President Director
Direktur
Kwon Gi Han
Director
Direktur
Gilbert Deddy Naibaho
Director
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 191
Page 194
Tata Kelola Perusahaan
Peserta RUPS Luar Biasa 12 Desember 2025
Attendance Extraordinary GMS on December 12th, 2025
Pihak Independen Dalam penyelenggaraan RUPS Luar Biasa, Perseroan tidak menunjuk pihak independen untuk melakukan
Independent Party proses perhitungan suara dan validasinya.
In holding the Extraordinary GMS, the Company did not appoint an independent party to carry out the vote
counting and validation process.
Mekanisme Pengambilan Keputusan
Decision Making Mechanism
Keputusan RUPS Luar Biasa dilakukan dengan cara musyawarah untuk mufakat, apabila tidak tercapai musyawarah untuk mufakat, maka keputusan
dapat diambil berdasarkan pemungutan suara. Pemegang Saham atau kuasanya yang memberikan suara tidak setuju/atau suara blangko diminta oleh
Ketua Rapat untuk mengangkat tangan untuk Pemegang Saham yang hadir secara fisik dan secara elektronik melalui eASY.KSEI.
The Extraordinary GMS resolutions were made by deliberation for consensus, if deliberation for consensus is not reached, then decisions can be taken
based on voting. Shareholders or their proxies who vote against and/or blank votes are required by the Chairman of the Meeting to raise their hands, for
Shareholders who are present in person and electronically through eASY.KSEI system.
Hasil Keputusan RUPS Luar Biasa 12 Desember 2025
Resolutions of Extraordinary GMS on December 12th, 2025
Mata Acara 1
First Agenda Item
Keputusan
Agenda
Resolution
Persetujuan perubahan kepemilikan sebagian saham Perseroan dari 1. Menyetujui pengalihan saham oleh Pemegang Saham Pengendali
PT Hanwha Life Insurance Indonesia (HLII) ke Hanwha General Insurance Perseroan yang tidak mengakibatkan perubahan pengendalian dalam
Co., Ltd. (HGI). Perseroan, yaitu:
• Pengalihan oleh PT Hanwha Life Insurance Indonesia kepada Hanwha
General Insurance Co., Ltd. atas 46,6% atau 1.398.000.000 saham
dalam Perseroan dengan nilai nominal sebesar Rp914.292.000.000,-
(“Transaksi Pengalihan Saham”). Sehingga komposisi saham
dan susunan Pemegang Saham Perseroan setelah pengalihan
dan/atau perubahan kepemilikan saham dilaksanakan, menjadi
sebagai berikut.
a. Hanwha General Insurance Co., Ltd. sebanyak 1.845.000.000
saham, dengan nilai nominal seluruhnya sebesar
Rp92.250.000.000,-;
b. PT Inti Anugerah Pratama sebanyak 543.000.000 saham,
dengan nilai nominal seluruhnya sebesar Rp27.150.000.000,-;
c. PT Hanwha Life Insurance Indonesia sebanyak 385.927.000 saham,
dengan nilai nominal seluruhnya sebesar Rp19.296.350.000,-;
serta
d. Masyarakat sebanyak 226.073.000 saham, dengan nilai nominal
seluruhnya sebesar Rp11.303.650.000,-;
sehingga seluruhnya berjumlah 3.000.000.000 saham, dengan
nilai nominal seluruhnya sebesar Rp150.000.000.000,-.
2. Menegaskan bahwa perubahan komposisi kepemilikan saham Perseroan
setelah pelaksanaan Transaksi Pengalihan Saham tidak mengakibatkan
perubahan pengendalian dalam Perseroan dan karenanya Hanwha
General Insurance Co., Ltd. tidak berkewajiban untuk melakukan
Penawaran Tender Wajib sebagaimana diatur dalam Peraturan OJK
No. 9/POJK.04/2018 tentang Pengambilalihan Perusahaan Terbuka.
3. Memberikan wewenang dan/atau kuasa kepada Direksi Perseroan
dengan hak substitusi untuk melakukan segala tindakan yang
diperlukan dan/atau disyaratkan sehubungan dengan perubahan
kepemilikan saham perusahaan termasuk tetapi tidak terbatas untuk
menyatakan dalam akta Notaris tersendiri, menghadap di hadapan
Notaris, mengajukan serta menandatangani semua permohonan
dan dokumen lainnya yang diperlukan sesuai dengan peraturan dan
perundang-undangan yang berlaku, termasuk kepada Kementerian
Hukum Republik Indonesia terkait dengan perubahan tersebut di atas,
tanpa ada yang dikecualikan, serta mengadakan penegasan yang
diperlukan, berhak untuk mengajukan permohonan, menandatangani
segala surat-surat dan dokumen yang diperlukan, dan melaporkan
perubahan kepemilikan saham kepada instansi terkait dan/atau OJK
serta melakukan tindakan lainnya.
192 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 195
Corporate Governance
Hasil Keputusan RUPS Luar Biasa 12 Desember 2025
Resolutions of Extraordinary GMS on December 12th, 2025
Approval of changes in the ownership of a portion of the Company’s 1. Approved the transfer of shares by the Controlling Shareholder
shares from PT Hanwha Life Insurance Indonesia (HLII) to Hanwha General of the Company, which does not result in a change of control in
Insurance Co., Ltd. (HGI). the Company, namely:
• The transfer by PT Hanwha Life Insurance Indonesia to Hanwha
General Insurance Co., Ltd. of 46.6% or 1,398,000,000 shares in
the Company with a total nominal value of Rp914,292,000,000.-
(the “Share Transfer Transaction”). Accordingly, the share
composition and composition of the Company’s Shareholders after
the implementation of the transfer and/or change in share ownership
are as follows.
a. Hanwha General Insurance Co., Ltd. in the amount of
1,845,000,000 shares, with a total nominal value of
Rp92,250,000,000.-;
b. PT Inti Anugerah Pratama in the amount of 543,000,000 shares,
with a total nominal value of Rp27,150,000,000.-;
c. PT Hanwha Life Insurance Indonesia in the amount of 385,927,000
shares, with a total nominal value of Rp19,296,350,000.-; and
d. Public in the amount of 226,073,000 shares, with a total nominal
value of Rp11,303,650,000.-;
therefore, a total of 3,000,000,000 shares, with a total nominal value
of Rp150,000,000,000.-.
2. Confirmed that the change in the composition of the Company’s
share ownership following the implementation of the Share Transfer
Transaction does not result in a change of control in the Company
and, therefore, Hanwha General Insurance Co., Ltd. is not required to
conduct a Mandatory Tender Offer as stipulated under OJK Regulation
No. 9/POJK.04/2018 on the Acquisition of Public Companies.
3. Granted authority and/or power of attorney, with the right of
substitution, to the Company’s Board of Directors to take all necessary
and/or required actions in connection with the change in the ownership
of the Company’s shares, including but not limited to declaring such
change in a separate Notarial deed, appearing before a Notary,
submitting and signing all applications and other documents required
under the applicable laws and regulations, including to the Ministry
of Law of the Republic of Indonesia in relation to the above changes,
without any exceptions, and to make any required affirmations,
submit applications, sign all necessary papers and documents, report
the change in share ownership to the relevant authorities and/or OJK,
and take any other required actions.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.920.927.100 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,920,927,100 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 2
Second Agenda Item
Keputusan
Agenda
Resolution
Penetapan dan/atau perubahan serta pengangkatan susunan anggota 1. Menyetujui pengunduran diri Bapak Kim Dong Wook dari jabatannya
Dewan Komisaris Perseroan termasuk Komisaris Independen. sebagai Presiden Komisaris Perseroan, dengan ketentuan bahwa masa
jabatannya akan berakhir secara efektif setelah penggantinya, yaitu
Bapak Park Young Mock, dinyatakan lulus Penilaian Kemampuan dan
Kepatutan oleh OJK Perasuransian dan pengangkatannya dituangkan
dalam akta tersendiri. Selanjutnya, memberikan pembebasan dan
pelunasan (acquit et decharge) sepenuhnya kepada Bapak Kim Dong
Wook atas pelaksanaan tugas pengawasan selama masa jabatannya
sebagai Presiden Komisaris Perseroan.
2. Menyetujui pengangkatan Bapak Sapto Wahyu Indratno sebagai
Komisaris Independen Perseroan, dengan ketentuan bahwa
pengangkatannya akan berlaku efektif setelah yang bersangkutan
dinyatakan lulus Penilaian Kemampuan dan Kepatutan oleh OJK
Perasuransian, dan pengangkatannya dituangkan dalam akta tersendiri.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 193
Page 196
Tata Kelola Perusahaan
Hasil Keputusan RUPS Luar Biasa 12 Desember 2025
Resolutions of Extraordinary GMS on December 12th, 2025
3. Memberikan wewenang dan/atau kuasa penuh dengan hak substitusi
kepada Direksi Perseroan untuk melakukan segala tindakan yang
diperlukan dan/atau disyaratkan sehubungan dengan pengangkatan
kedua anggota Dewan Komisaris Perseroan yang baru, termasuk
namun tidak terbatas pada:
a. Menyatakan keputusan ini dalam akta Notaris tersendiri yang memuat
susunan lengkap Direksi dan Dewan Komisaris Perseroan;
b. Menghadap di hadapan Notaris;
c. Menandatangani serta mengajukan seluruh permohonan dan
dokumen yang diperlukan kepada instansi yang berwenang,
termasuk kepada Kementerian Hukum Republik Indonesia, terkait
perubahan susunan pengurus Perseroan; serta
d. Melakukan tindakan lain yang dianggap perlu untuk melaksanakan
keputusan ini.
Determination and/or amendment and appointment of the composition 1. Approved the resignation of Mr. Kim Dong Wook from his position as
of the members of the Company’s Board of Commissioners, including the Company's President Commissioner, with the provision that his term
Independent Commissioners. of office shall effectively end only after his replacement, Mr. Park Young
Mock, has been declared to have passed the Fit and Proper Test by
the Insurance Supervision Department of OJK and his appointment has
been stipulated in a separate notarial deed. Furthermore, granted full
acquittal and discharge (acquit et de charge) to Mr. Kim Dong Wook for
the performance of his supervisory duties during his term of office as
President Commissioner of the Company.
2. Approved the appointment of Mr. Sapto Wahyu Indratno as
the Company's Independent Commissioner, with the provision that
such appointment shall become effective after he has been declared
to have passed the Fit and Proper Test by the Insurance Supervision
Department of OJK and his appointment has been set forth in
a separate notarial deed.
3. Granted full authority and/or power of attorney, with the right of
substitution, to the Company’s Board of Directors to take all necessary
and/or required actions in connection with the appointment of
the 2 new members of the Company’s Board of Commissioners,
including but not limited to:
a. Declaring this resolution in a separate Notarial deed containing
the complete composition of the Board of Directors and Board of
Commissioners of the Company;
b. Appearing before a Notary;
c. Submitting and signing all applications and documents required
by the competent authorities, including the Ministry of Law of
the Republic of Indonesia, in relation to changes in
the composition of the Company’s management; and
d. Taking any other actions deemed necessary to implement this
resolution.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 2.920.927.100 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 2,920,927,100 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Pelaksanaan RUPS Tahunan 2024 2024 Annual GMS Implementation
Sepanjang tahun 2024, Perseroan telah menyelenggarakan Throughout 2024, the Company held 1 Annual GMS and
1 kali RUPS Tahunan dan 1 kali RUPS Luar Biasa. Informasi 1 Extraordinary GMS. Information related to the GMS
terkait penyelenggaraan RUPS tersebut diungkapkan implementation is disclosed as follows.
sebagai berikut.
194 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 197
Corporate Governance
RUPS Tahunan 2024
2024 Annual GMS
Tahap Pelaksanaan RUPS Tahunan 2024
Stages of 2024 Annual GMS Implementation
Pemberitahuan Mata acara RUPS diberitahukan kepada Otoritas Jasa Keuangan pada 12 Maret 2024.
Notification The GMS agenda was notified to the Financial Services Authority on March 12th, 2024.
Pengumuman Diumumkan pada 21 Maret 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Announcement Sentral Efek Indonesia.
Announced on March 21st, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s websites.
Pemanggilan Dipublikasikan pada 5 April 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Notice Sentral Efek Indonesia.
Published on April 5th, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s websites.
Pelaksanaan Diselenggarakan pada 29 April 2024 pukul 09.40-10.50 WIB di Ruang Monas 5-6 Hotel Aryaduta Menteng,
Execution Jl. Prajurit KKO Usman dan Harun No. 44-48, Jakarta Pusat 10110 - Indonesia.
Held on April 29th, 2024 at 09.40-10.50 WIB in Monas Room 5-6, Aryaduta Hotel, Menteng, Jl. Prajurit KKO
Usman and Harun No. 44-48, Jakarta Pusat 10110 - Indonesia.
Hasil RUPS Ringkasan Rapat dipublikasikan pada 2 Mei 2024 di situs web Perseroan dan Bursa Efek Indonesia. Ringkasan
GMS Resolutions Rapat tertuang dalam Akta Berita Acara RUPS Tahunan PT Lippo General Insurance Tbk No. 87 tanggal
29 April 2024 yang dibuat oleh Notaris Stephanie Wilamarta, SH.
Summary of the Meeting was published on May 2nd, 2024 on the Company and the Indonesia Stock
Exchange’s websites. The Meeting summary is contained in the Deed of Minutes of Annual GMS of
PT Lippo General Insurance Tbk No. 87 dated April 29th, 2024, made by Notary Stephanie Wilamarta, SH.
Peserta RUPS Tahunan 2024
2024 Annual GMS Attendance
Pemegang Saham RUPS Tahunan dihadiri oleh Pemegang Saham dan/atau Kuasa Pemegang Saham yang seluruhnya mewakili
Shareholders 292.093.888 saham yang merupakan 97,365% dari seluruh jumlah saham dengan hak suara yang sah yang
telah dikeluarkan oleh Perseroan.
The Annual GMS was attended by Shareholders and/or Shareholders’ Proxies, who all represented
292,093,888 shares which constituted 97.365% of the total number of shares with valid voting rights that had
been issued by the Company.
Dewan Komisaris Presiden Komisaris
Kim Dong Wook
The Board of Commissioners President Commissioner
Komisaris
Lee Jaehyun
Commissioner
Komisaris
Ali Chendra
Commissioner
Komisaris Independen
Jamilah Mawira Sungkar
Independent Commissioner
Komisaris Independen
Hyacintus Henri Djantoko
Independent Commissioner
Direksi Presiden Direktur
Agus Benjamin
The Board of Directors President Director
Wakil Presiden Direktur
Choi Hyunhee
Vice President Director
Direktur
Kwon Gi Han
Director
Direktur
Gilbert Deddy Naibaho
Director
Pihak Independen Dalam penyelenggaraan RUPS Tahunan tahun 2024, Perseroan tidak menunjuk pihak independen untuk
Independent Party melakukan proses perhitungan suara dan validasinya.
In holding the 2024 Annual GMS, the Company did not appoint an independent party to carry out the vote
counting and validation process.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 195
Page 198
Tata Kelola Perusahaan
Mekanisme Pengambilan Keputusan
Decision Making Mechanism
Keputusan RUPS Luar Biasa dilakukan dengan cara musyawarah untuk mufakat, apabila tidak tercapai musyawarah untuk mufakat, maka keputusan
dapat diambil berdasarkan pemungutan suara. Pemegang Saham atau kuasanya yang memberikan suara tidak setuju/atau suara blangko diminta oleh
Ketua Rapat untuk mengangkat tangan untuk Pemegang Saham yang hadir secara fisik dan secara elektronik melalui eASY.KSEI.
The Extraordinary GMS resolutions were made by deliberation for consensus, if deliberation for consensus is not reached, then decisions can be taken
based on voting. Shareholders or their proxies who vote against and/or blank votes are required by the Chairman of the Meeting to raise their hands, for
Shareholders who are present in person and electronically through eASY.KSEI system.
Hasil Keputusan RUPS Tahunan 2024
2024 Annual GMS Resolutions
Mata Acara 1
First Agenda Item
Keputusan
Agenda
Resolution
Persetujuan dan pengesahan atas Laporan Tahunan Perseroan dan Laporan 1. Menyetujui dan menerima dengan baik Laporan Tahunan berikut
Keuangan Auditan Perseroan termasuk Laporan Tugas Pengawasan Laporan Keberlanjutan Perseroan termasuk Laporan Tugas Pengawasan
Dewan Komisaris Perseroan untuk tahun buku yang berakhir pada tanggal Dewan Komisaris, untuk tahun buku yang berakhir pada tanggal
31 Desember 2023 serta memberikan pelunasan dan pembebasan 31 Desember 2023, serta menyetujui Rencana Bisnis dan Rencana Aksi
tanggung jawab sepenuhnya (acquit et de charge) kepada seluruh anggota Keuangan Berkelanjutan untuk tahun 2024.
Dewan Komisaris dan Direksi Perseroan atas tindakan pengawasan dan 2. Menyetujui dan mengesahkan Laporan Keuangan Auditan yang
pengurusan yang dilakukan dalam tahun buku yang berakhir pada tanggal terdiri dari Neraca dan Perhitungan Laba Rugi Perseroan untuk
31 Desember 2023. Termasuk melaporkan Rencana Bisnis dan Rencana tahun buku yang berakhir pada tanggal 31 Desember 2023, yang
Aksi Keuangan Berkelanjutan untuk tahun 2024. telah diaudit oleh Kantor Akuntan Publik Suharli, Sugiharto & Rekan,
dengan Pendapat menyajikan secara wajar, dalam semua hal yang
material. Sebagaimana Laporan Auditor Independen melalui suratnya
No. 00124/2.1315/AU.1/08/10171/1/III/2024 tertanggal 26 Maret 2024.
3. Memberikan pelunasan dan pembebasan tanggung jawab sepenuhnya
(acquit et de charge) kepada seluruh Anggota Direksi dan Anggota
Dewan Komisaris Perseroan atas tindakan pengurusan dan pengawasan
yang telah dilakukan di tahun buku yang berakhir pada tanggal
31 Desember 2023 sepanjang tindakan tersebut tercermin dalam
Laporan Tahunan.
Approval and ratification of the Company’s Annual Report and 1. Approved and accepted the Company’s Annual Report and Sustainability
the Company’s Audited Financial Statements including the Board of Report, including the Board of Commissioners’ Supervisory Report, for
Commissioners’ Supervisory Report for the financial year ended on the financial year ended on December 31st, 2023, as well as approving
December 31st, 2023 as well as the granting of full acquittal and discharge the Company’s Business Plan and Sustainable Finance Action Plan for
(acquit et de charge) to all members of the Board of Commissioners and the year 2024.
Board of Directors for their supervisory and management actions taken 2. Approved and ratified the Audited Financial Statements, consisting of
during the financial year ended on December 31st, 2023, including the Balance Sheet and Statements of Profit or Loss for the financial year
reporting the Business Plan and Sustainable Finance Action Plan for 2024. ended on December 31st, 2023, which had been audited by the Public
Accounting Firm Suharli, Sugiharto & Partners, with an unqualified
opinion as stated in the Independent Auditor’s Report through letter
No. 00124/2.1315/AU.1/08/10171/1/III/2024 dated March 26th, 2024.
3. Granted full acquittal and discharge (acquit et de charge) to all members
of the Company’s Board of Directors and Board of Commissioners for
the management and supervisory actions taken during the financial year
ended on December 31st, 2023, as long as these actions are reflected in
the Annual Report.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.093.888 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,093,888 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
196 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 199
Corporate Governance
Hasil Keputusan RUPS Tahunan 2024
2024 Annual GMS Resolutions
Mata Acara 2
Second Agenda Item
Keputusan
Agenda
Resolution
Penetapan penggunaan laba Perseroan untuk tahun buku yang berakhir 1. Menyetujui keuntungan setelah pajak yang diperoleh Perseroan untuk
pada tanggal 31 Desember 2023. tahun buku yang berakhir pada tanggal 31 Desember 2023 sejumlah
Rp24,89 miliar, digunakan untuk memenuhi ketentuan Pasal 70 juncto
Pasal 71 Undang-undang Perseroan Terbatas No. 40 tahun 2007 dan
Pasal 26 Anggaran Dasar Perseroan, yaitu:
a. Rp1,00 miliar sebagai tambahan cadangan umum sehingga
cadangan umum menjadi sebesar Rp23,00 miliar;
b. Membagikan dividen tunai sebesar Rp8,1 miliar yang diambil dari
laba bersih kepada 300 juta saham yang dikeluarkan oleh Perseroan,
dengan demikian setiap saham akan memperoleh dividen tunai
sebesar Rp27,- per lembar; serta
c. Laba bersih tahun buku 2023 setelah dikurangi penempatan pada
cadangan umum sebesar Rp1,00 miliar dan pembagian dividen
tunai, selanjutnya Rp15,79 miliar akan ditempatkan sebagai laba
ditahan.
2. Perseroan akan melaksanakan pembayaran dividen tunai dengan
melaksanakan ketentuan pemotongan pajak dividen sesuai dengan
ketentuan perpajakan yang berlaku.
3. Rapat memberi kuasa kepada Direksi Perseroan untuk melakukan semua
tindakan yang diperlukan berkaitan dengan pelaksanaan pembagian
dividen tunai tersebut termasuk tidak terbatas untuk menentukan waktu,
tanggal, dan cara pembayaran dividen tunai.
Determination to use the Company’s profit for the financial year ended on 1. Approved the profit after tax obtained by the Company for the financial
December 31st, 2023. year ended on December 31st, 2023, amounting to Rp24.89 billion,
to be used to comply with the provisions of Article 70 in conjunction
with Article 71 of Limited Liability Company Law No. 40 of 2007 and
Article 26 of the Company’s Articles of Association, as follows:
a. Rp1.00 billion as additional general reserves, bringing the general
reserves to Rp23.00 billion;
b. Distributing cash dividends of Rp8.1 billion taken from the net profit
to 300 million shares issued by the Company, thus each share will
receive cash dividends of Rp27 per share; and
c. Net profit for the 2023 financial year, after deducting placement in
general reserves of Rp1.00 billion and cash dividends, amounting to
Rp15.79 billion will then be placed as retained earnings.
2. The Company will pay cash dividends by applying the provisions
for withholding dividend tax in accordance with the applicable tax
provisions.
3. The Meeting authorizes the Company’s Board of Directors to take all
necessary actions related to the distribution of cash dividends, including
but not limited to determining the time, date, and method of payment of
cash dividends.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.093.888 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,093,888 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 197
Page 200
Tata Kelola Perusahaan
Hasil Keputusan RUPS Tahunan 2024
2024 Annual GMS Resolutions
Mata Acara 3
Third Agenda Item
Keputusan
Agenda
Resolution
Pengangkatan dan/atau penegasan susunan anggota Dewan Komisaris 1. Menyetujui pengunduran diri Bapak Frans Lamury selaku Komisaris
dan Direksi termasuk Komisaris Independen serta penetapan gaji/ Independen sekaligus mengangkat anggota Komisaris Independen
honorarium dan/atau remunerasi lainnya bagi anggota Dewan Komisaris Perseroan yang baru serta menegaskan kembali susunan anggota
dan Direksi Perseroan. Direksi, anggota Dewan Komisaris, dan anggota Komisaris Independen
Perseroan, dengan susunan sebagai berikut.
Direksi
Presiden Direktur : Agus Benjamin
Wakil Presiden Direktur : Choi Hyunhee
Direktur : Kwon Gi Han
Direktur : Gilbert Deddy Naibaho
Dewan Komisaris
Presiden Komisaris : Kim Dong Wook
Komisaris : Lee Jaehyun
Komisaris : Ali Chendra
Komisaris Independen : Jamilah Mawira Sungkar
Komisaris Independen : Hyacintus Henri Djantoko
Komisaris Independen : Johannes Agus
Untuk masa jabatan terhitung sejak ditutupnya Rapat ini, sampai
dengan ditutupnya RUPS Tahunan untuk tahun buku 2025 yang akan
diselenggarakan pada tahun 2026 dengan ketentuan RUPS dapat
memberhentikan sewaktu-waktu.
2. Memberikan wewenang kepada Dewan Komisaris Perseroan untuk
menetapkan honorarium, gaji, bonus, dan/atau remunerasi lainnya bagi
Anggota Direksi dan Anggota Dewan Komisaris Perseroan.
3. Memberikan wewenang dan/atau kuasa penuh dengan hak
substitusi kepada Direksi Perseroan untuk melakukan segala
tindakan yang diperlukan dan/atau disyaratkan sehubungan dengan
pengangkatan dan penetapan susunan Anggota Direksi dan Anggota
Dewan Komisaris Perseroan yang baru termasuk tetapi tidak terbatas
untuk menyatakan Pengangkatan Anggota Direksi dan Anggota Dewan
Komisaris ke dalam suatu akta Notaris tersendiri, menghadap di hadapan
Notaris, mengajukan serta menandatangani semua permohonan
dan dokumen lainnya yang diperlukan sesuai dengan peraturan dan
perundang-undangan yang berlaku, termasuk kepada Menteri Hukum
dan Hak Asasi Manusia Republik Indonesia terkait dengan perubahan
susunan pengurus Perseroan, tanpa ada yang dikecualikan, serta
mengadakan akta penegasan apabila diperlukan karenanya berhak
untuk mengajukan permohonan, menandatangani segala surat-surat
dan dokumen yang diperlukan, serta melakukan tindakan lainnya.
Appointment and/or affirmation of members of the Board of Commissioners 1. Approved the resignation of Mr. Frans Lamury as Independent
and Board of Directors including Independent Commissioners as well Commissioner and appointed a new Independent Commissioner of
as determination of salary/honorarium and/or other remuneration for the Company, as well as reaffirmed the composition of the Board of
members of the Board of Commissioners and Board of Directors of Directors, Board of Commissioners, and Independent Commissioners
the Company. of the Company, with the following composition.
Board of Directors
President Director : Agus Benjamin
Vice President Director : Choi Hyunhee
Director : Kwon Gi Han
Director : Gilbert Deddy Naibaho
Board of Commissioners
President Commissioner : Kim Dong Wook
Commissioner : Lee Jaehyun
Commissioner : Ali Chendra
Independent Commissioner : Jamilah Mawira Sungkar
Independent Commissioner : Hyacintus Henri Djantoko
Independent Commissioner : Johannes Agus
For the term of office effective from the closure of this Meeting until
the closure of the Annual GMS for the 2025 financial year, which will
be held in 2026, provided that the GMS may dismiss them at any time.
198 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 201
Corporate Governance
Hasil Keputusan RUPS Tahunan 2024
2024 Annual GMS Resolutions
Appointment and/or affirmation of members of the Board of Commissioners 2. Authorized the Board of Commissioners of the Company to
and Board of Directors including Independent Commissioners as well determine honorarium, salary, bonus, and/or other remuneration for
as determination of salary/honorarium and/or other remuneration for the Members of the Board of Directors and Members of the Board of
members of the Board of Commissioners and Board of Directors of Commissioners of the Company.
the Company. 3. Granted full authority and/or power of attorney with the right of
substitution to the Board of Directors to take all necessary actions
and/or required actions in connection with the appointment and
determination of the new composition of the Board of Directors
and Board of Commissioners, including but not limited to declare
the appointments of members of the Board of Directors and members
of the Board of Commissioners into a separate Notarial deed, appear
before a Notary, submit and sign all applications and documents
required by applicable laws and regulations, including to the Minister of
Law and Human Rights of the Republic of Indonesia regarding changes
in the Company’s management structure, without any exception, and
hold a deed of affirmation if necessary, and therefore, has the right to
submit an application, sign all necessary papers and documents, and
take other actions.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.093.888 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,093,888 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 4
Fourth Agenda Item
Keputusan
Agenda
Resolution
Penunjukan Kantor Akuntan Publik yang akan melakukan audit atas Menyetujui pemberian kuasa dan pelimpahan kewenangan kepada
buku-buku Perseroan untuk tahun buku 2024 dan pemberian wewenang Dewan Komisaris Perseroan untuk menunjuk Akuntan Publik Independen
kepada Dewan Komisaris Perseroan untuk menetapkan honorarium dan dari Kantor Akuntan Publik (KAP) untuk melakukan pemeriksaan atas
persyaratan lain penunjukan tersebut. Laporan Keuangan Perseroan untuk tahun buku yang berakhir tanggal
31 Desember 2024, berikut besaran nilai jasanya sesuai ketentuan dan
peraturan yang berlaku, termasuk untuk menunjuk KAP pengganti
bilamana karena sebab apa pun juga berdasarkan ketentuan pasar modal
di Indonesia apabila KAP yang ditunjuk tidak dapat melakukan tugasnya,
dengan kriteria bahwa KAP tersebut terdaftar di Otoritas Jasa Keuangan
sesuai ketentuan yang berlaku dan memiliki reputasi yang baik, dan
menetapkan honorarium serta persyaratan-persyaratan lain sehubungan
dengan penunjukan akuntan publik tersebut dengan memperhatikan
rekomendasi Komite Audit Perseroan.
Appointment of a Public Accounting Firm that will audit the Company’s Approved the granting of authority and delegation of power to
books for the 2024 financial year and authorize the Board of the Company’s Board of Commissioners to appoint an Independent
Commissioners of the Company to determine the honorarium and other Public Accountant from the Public Accounting Firm (KAP) to audit
terms of the appointment. the Company’s Financial Statements for the financial year ended on
December 31st, 2024, to determine the amount of fees in accordance with
applicable provisions and regulations, including appointing a replacement
KAP if, for any reason, the appointed KAP is unable to perform its
duties based on Indonesian capital market regulations, provided that
the appointed KAP is registered with the Financial Services Authority
according to applicable regulations and has a good reputation, and to
determine the honorarium and other requirements related to the appointment
of the public accountant, while considering the recommendations of
the Company’s Audit Committee.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 199
Page 202
Tata Kelola Perusahaan
Hasil Keputusan RUPS Tahunan 2024
2024 Annual GMS Resolutions
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.093.888 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,093,888 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
RUPS Luar Biasa 2024
2024 Extraordinary GMS
Tahap Pelaksanaan RUPS Luar Biasa 2024
Stages of 2024 Extraordinary GMS Implementation
Pemberitahuan Mata acara RUPS diberitahukan kepada Otoritas Jasa Keuangan pada 3 Juli 2024. Kemudian terdapat
Notification perubahan tanggal pelaksanaan RUPS yang diberitahukan pada 11 Juli 2024. Selanjutnya, terdapat
penambahan mata acara dan perubahan lokasi RUPS yang diberitahukan pada 29 Juli 2024.
The GMS agenda was notified to the Financial Services Authority on July 3rd, 2024. Subsequently, there was
a change in the date of the GMS which was notified on July 11th, 2024. Furthermore, there was an addition to
the agenda items and a change in the location of the GMS which was notified on July 29th, 2024.
Pengumuman Diumumkan pada 15 Juli 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian
Announcement Sentral Efek Indonesia.
Announced on July 15th, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s.
Pemanggilan Dipublikasikan pada 30 Juli 2024 melalui situs web Perseroan, Bursa Efek Indonesia, dan Kustodian Sentral
Notice Efek Indonesia.
Published on July 30th, 2024 via the Company, the Indonesia Stock Exchange, and the Indonesian Central
Custodian’s websites.
Pelaksanaan Diselenggarakan pada 21 Agustus 2024 pukul 10.11-10.39 WIB di Kantor Operasional Perseroan,
Execution Karawaci Office Park Blok I No. 30-35, Lippo Village Tangerang - Indonesia.
Held on August 21st, 2024 at 10.11-10.39 WIB in the Company’s Operational Office, Karawaci Office Park Block I
No. 30-35, Lippo Village, Tangerang - Indonesia.
Hasil RUPS Ringkasan Rapat dipublikasikan pada 22 Agustus 2024 di situs web Perseroan dan Bursa Efek Indonesia.
GMS Resolutions Ringkasan Rapat tertuang dalam Akta Berita Acara RUPS Luar Biasa PT Lippo General Insurance Tbk No. 90
tanggal 21 Agustus 2024 yang dibuat oleh Notaris Sriwi Bawana Nawaksari, S.H., M.Kn.
Summary of the Meeting was published on August 22nd, 2024 on the Company and the Indonesia
Stock Exchange’s websites. The Meeting summary is contained in the Deed of Minutes of
Extraordinary GMS of PT Lippo General Insurance Tbk No. 90 dated August 21st, 2024, made by
Notary Sriwi Bawana Nawaksari, S.H., M.Kn.
Peserta RUPS Luar Biasa 2024
2024 Extraordinary GMS Attendance
Pemegang Saham RUPS Luar Biasa dihadiri oleh Pemegang Saham dan/atau Kuasa Pemegang Saham yang seluruhnya mewakili
Shareholders 292.092.700 saham yang merupakan 97,364% dari seluruh jumlah saham dengan hak suara yang sah yang
telah dikeluarkan oleh Perseroan.
The Extraordinary GMS was attended by Shareholders and/or Shareholders’ Proxies, who all represented
292,092,700 shares which constituted 97.364% of the total number of shares with valid voting rights that had
been issued by the Company.
Dewan Komisaris Komisaris
Lee Jaehyun*)
The Board of Commissioners Commissioner
Komisaris Independen
Hyacintus Henri Djantoko
Independent Commissioner
Komisaris Independen
Johannes Agus
Independent Commissioner
200 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 203
Corporate Governance
Peserta RUPS Luar Biasa 2024
2024 Extraordinary GMS Attendance
Direksi Presiden Direktur
Agus Benjamin
The Board of Directors President Director
Wakil Presiden Direktur
Choi Hyunhee
Vice President Director
Direktur
Kwon Gi Han
Director
Direktur
Gilbert Deddy Naibaho
Director
Pihak Independen Dalam penyelenggaraan RUPS Luar Biasa tahun 2024, Perseroan tidak menunjuk pihak independen untuk
Independent Party melakukan proses perhitungan suara dan validasinya.
In holding the 2024 Extraordinary GMS, the Company did not appoint an independent party to carry out
the vote counting and validation process.
*) Hadir melalui video konferensi. / Attend via video conference.
Mekanisme Pengambilan Keputusan
Decision Making Mechanism
Keputusan RUPS Luar Biasa dilakukan dengan cara musyawarah untuk mufakat, apabila tidak tercapai musyawarah untuk mufakat, maka keputusan
dapat diambil berdasarkan pemungutan suara. Pemegang Saham atau kuasanya yang memberikan suara tidak setuju/atau suara blangko diminta oleh
Ketua Rapat untuk mengangkat tangan untuk Pemegang Saham yang hadir secara fisik dan secara elektronik melalui eASY.KSEI.
The Extraordinary GMS resolutions were made by deliberation for consensus, if deliberation for consensus is not reached, then decisions can be taken
based on voting. Shareholders or their proxies who vote against and/or blank votes are required by the Chairman of the Meeting to raise their hands, for
Shareholders who are present in person and electronically through eASY.KSEI system.
Hasil Keputusan RUPS Luar Biasa 2024
2024 Extraordinary GMS Resolutions
Mata Acara 1
First Agenda Item
Keputusan
Agenda
Resolution
Persetujuan atas rencana pemecahan nilai nominal saham (stock split) dan 1. Menyetujui atas rencana pemecahan nilai nominal saham Perseroan
pemberian kuasa kepada Direksi Perseroan untuk melaksanakan hal-hal (stock split) dengan perbandingan 1:10, sehingga nilai nominal
yang diperlukan sehubungan dengan pemecahan nilai nominal saham setiap saham dalam Perseroan berubah dari Rp500,- menjadi
tersebut. Rp50,- per saham.
2. Menyetujui mengubah bunyi Pasal 4 ayat 1 dan ayat 2 Anggaran Dasar
Perseroan sehubungan dengan stock split tersebut di atas.
3. Menyetujui untuk menyusun kembali seluruh ketentuan dalam Anggaran
Dasar sehubungan dengan perubahan sebagaimana dimaksud pada
butir 1 dan 2 di atas.
4. Menyetujui untuk memberikan wewenang dan/atau kuasa kepada
Direksi Perseroan dengan hak substitusi untuk melakukan segala
tindakan yang diperlukan dan/atau disyaratkan sehubungan dengan
pelaksanaan stock split, termasuk tetapi tidak terbatas untuk mengatur
dan menetapkan tata cara dan jadwal pelaksanaan stock split sesuai
dengan peraturan perundang-undangan di bidang Pasar Modal, untuk
menyatakan atau menuangkan keputusan tersebut dalam akta yang
dibuat di hadapan Notaris, menghadap di hadapan Notaris, termasuk
menegaskan susunan Pemegang Saham Perseroan (jika diperlukan),
dan/atau perubahan Anggaran Dasar Perseroan dalam keputusan
Rapat, mengajukan serta menandatangani semua permohonan dan
dokumen lainnya yang diperlukan sesuai dengan peraturan dan
perundang-undangan yang berlaku, untuk mendapatkan persetujuan
dan/atau tanda penerimaan pemberitahuan perubahan Anggaran
Dasar Perseroan dari Menteri Hukum dan Hak Asasi Manusia Republik
Indonesia maupun instansi berwenang terkait lainnya, tanpa ada yang
dikecualikan.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 201
Page 204
Tata Kelola Perusahaan
Hasil Keputusan RUPS Luar Biasa 2024
2024 Extraordinary GMS Resolutions
Approval of the plan for stock split and the granting of authority to 1. Approved the plan for the stock split with a ratio of 1:10, changing
the Company’s Board of Directors to carry out the necessary actions in the nominal value of each share in the Company from Rp500 to
connection with the stock split. Rp50 per share.
2. Approved the amendments to Article 4, paragraphs 1 and 2 of
the Company’s Articles of Association in relation to the aforementioned
stock split.
3. Approved the restatement of all provisions in the Articles of Association
in relation to the amendments mentioned in points 1 and 2 above.
4. Approved the granting of authority and/or power of attorney to
the Company’s Board of Directors, with the right of substitution, to
take all necessary and/or required actions in relation to the execution
of the stock split, including but not limited to arranging and determining
the procedures and schedule for the execution of the stock split in
accordance with the laws and regulations in the Capital Market sector,
declaring or recording the resolutions in a deed made before a Notary,
appearing before a Notary, including to confirm the composition of
the Company’s Shareholders (if necessary), and/or amendments to
the Company’s Articles of Association as per the Meeting resolutions,
applying and signing all applications and other documents required
in accordance with the applicable laws and regulations to obtain
approval and/or receipt of notification of the amendments to
the Company’s Articles of Association from the Minister of Law and
Human Rights of the Republic of Indonesia and/or other relevant
authorities, without any exceptions.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.092.700 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,092,700 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
Mata Acara 2
Second Agenda Item
Keputusan
Agenda
Resolution
Penetapan anggota Direksi dan anggota Dewan Komisaris Perseroan 1. Menyetujui tidak ada perubahan susunan anggota Direksi dan/atau
termasuk Komisaris Independen. anggota Dewan Komisaris termasuk Komisaris Independen Perseroan.
2. Menyetujui untuk tetap menggunakan akta pengurus yang sudah ada
sebelumnya dan tidak perlu melakukan pelaporan ke pihak berwenang
mana pun sehubungan dengan tidak adanya perubahan susunan
anggota Direksi dan/atau anggota Dewan Komisaris termasuk Komisaris
Independen Perseroan.
Determination of members of the Board of Directors and/or Board of 1. Approved that there is no changes in the composition of
Commissioners, including Independent Commissioners of the Company. the Board of Directors and/or the Board of Commissioners, including
the Independent Commissioner of the Company.
2. Approved to still use of the existing management deed and confirmed
that there is no need to report to any authorities, given that there
are no changes in the composition of the Board of Directors and/or
the Board of Commissioners, including the Independent Commissioner
of the Company.
Hasil Pemungutan Suara Realisasi
Voting Result Realization
Setuju : 292.092.700 saham (100,00%) Telah direalisasikan sepenuhnya.
Agree : 292,092,700 shares (100.00%) Has been fully realized.
Abstain :-
Tidak Setuju :-
Disagree :-
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Corporate Governance
Dewan Komisaris
Board of Commissioners
Dewan Komisaris memegang peranan penting dalam The Board of Commissioners plays an important role
mengawasi jalannya Perseroan agar berjalan sesuai dengan in overseeing the Company to ensure that it operates
prinsip GCG. Dewan Komisaris bertugas melakukan in accordance with GCG principles. The Board of
pengawasan terhadap kebijakan dan kinerja Direksi, sekaligus Commissioners is responsible for supervising the policies
memberikan masukan strategis demi menjaga keberlanjutan and performance of the Board of Directors, while also
bisnis. Dengan peran pengawasan yang independen, providing strategic input to maintain business sustainability.
Dewan Komisaris memastikan bahwa keputusan manajemen Through its independent oversight function, the Board of
tidak hanya menguntungkan dalam jangka pendek, tetapi Commissioners ensures that management decisions are
juga berorientasi pada kepentingan Pemegang Saham dan not only beneficial in the short term, but also aligned with
pemangku kepentingan lainnya secara berimbang. the balanced interests of Shareholders and other
stakeholders.
Pedoman Kerja Work Guidelines
Dewan Komisaris melaksanakan tugas dan tanggung In carrying out its duties and responsibilities, the Board
jawabnya dengan berpedoman pada Tata Tertib Kerja Dewan of Commissioners refers to the Board of Commissioners’
Komisaris yang telah disahkan pada tanggal 30 Juli 2021. Work Guidelines that were ratified on July 30th, 2021. These
Pedoman tersebut dibuat dengan mengacu pada prinsip- rules were formulated based on generally accepted GCG
prinsip GCG yang umum diterapkan, sekaligus mematuhi principles and in compliance with the prevailing laws and
peraturan perundang-undangan yang berlaku di sektor regulations in the insurance and capital market sectors.
asuransi dan pasar modal.
Kriteria Keanggotaan Membership Criteria
Perseroan memilih anggota Dewan Komisaris yang memiliki The Company appoints members of the Board of
kriteria: Commissioners who meet the following criteria:
1. Mempunyai akhlak, moral, dan integritas yang baik; 1. Possess good character, morals, and integrity;
2. Cakap melakukan perbuatan hukum; 2. Competent in performing legal actions;
3. Dalam 5 tahun sebelum pengangkatan dan selama 3. In the 5 years before and during office term:
menjabat:
a. Tidak pernah dinyatakan pailit; a. Have never been declared bankrupt;
b. Tidak pernah menjadi anggota Dewan Komisaris b. Have never been members of the Board of
dan/atau anggota Direksi yang dinyatakan bersalah Commissioners and/or Board of Directors held
menyebabkan suatu perusahaan dinyatakan pailit; responsible for the bankruptcy of a company;
c. Tidak pernah dihukum karena melakukan tindak c. Have never been convicted for criminal offense that
pidana yang merugikan keuangan negara dan/atau inflict losses on the state finance and/or related to
yang berkaitan dengan sektor keuangan; the financial sector;
d. Tidak pernah menjadi anggota Dewan Komisaris d. Have never been members of Board of Commissioners
dan/atau anggota Direksi yang selama menjabat: and/or Board of Directors that during their tenure
have ever:
1) Pernah tidak menyelenggarakan RUPS Tahunan; 1) Failed to hold Annual GMS;
2) Pertanggungjawabannya sebagai anggota 2) Given accountability as members of the Board
Dewan Komisaris dan/atau anggota Direksi of Commissioners and/or Board of Directors
pernah tidak diterima oleh RUPS atau pernah that was unaccepted by the GMS or failed to
tidak memberikan pertanggungjawaban sebagai give accountability as members of the Board
anggota Dewan Komisaris dan/atau anggota of Commissioners and/or Board of Directors to
Direksi kepada RUPS; the GMS;
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Tata Kelola Perusahaan
3) Pernah menyebabkan perusahaan yang 3) Caused a company that was granted license,
memperoleh izin, persetujuan, atau pendaftaran approval, or registration by the Financial Services
dari Otoritas Jasa Keuangan tidak memenuhi Authority to fail in fulfilling its responsibility
kewajiban menyampaikan Laporan Tahunan to deliver Annual Report and/or Financial
dan/atau Laporan Keuangan kepada Otoritas Statements to the Financial Services Authority;
Jasa Keuangan;
4. Memiliki komitmen untuk mematuhi peraturan 4. Possess commitment to complying with laws and
perundang-undangan; regulations;
5. Memiliki pengetahuan dan/atau keahlian di bidang yang 5. Possess the necessary knowledge and/or skills in
dibutuhkan Perseroan; the fields relevant to the Company;
6. Tidak melanggar ketentuan rangkap jabatan 6. Never violated the provision for concurrent positions as
sebagaimana diatur dalam peraturan perundang- stipulated in prevailing laws and regulations;
undangan yang berlaku;
7. Anggota Dewan Komisaris harus dinyatakan lulus 7. Board of Commissioners’ members are required to pass
penilaian kemampuan dan kepatutan oleh Otoritas Jasa the fit and proper test by the Financial Services Authority;
Keuangan;
8. Anggota Dewan Komisaris memiliki pengetahuan sesuai 8. Board of Commissioners’ members are required to
dengan bidang usaha Perseroan yang relevan dengan possess relevant knowledge in line with the Company’s
jabatannya; business in accordance with their respective position;
9. Anggota Dewan Komisaris mampu untuk bertindak 9. Board of Commissioners’ members are required to act in
dengan iktikad baik, jujur, dan profesional; good faith, honestly, and professionally;
10. Anggota Dewan Komisaris mampu bertindak untuk 10. Board of Commissioners’ members are required to act in
kepentingan Perseroan dan pemegang polis, the interests of the Company and policy holders, insured,
tertanggung, peserta, dan/atau pihak yang berhak participants, and/or parties entitled to receive benefit;
memperoleh manfaat;
11. Mendahulukan kepentingan Perseroan dan pemegang 11. Prioritize the interests of the Company and the policy
polis, tertanggung, peserta, dan/atau pihak yang holders, insured, participants, and/or eligible beneficiaries
memperoleh manfaat daripada kepentingan pribadi; before personal interests;
12. Anggota Dewan Komisaris mampu mengambil 12. Board of Commissioners’ members are required to
keputusan berdasarkan penilaian independen dan make decisions based on independent and objective
objektif untuk kepentingan Perseroan dan pemegang evaluation in the interests of the Company and policy
polis, tertanggung, peserta, dan/atau pihak yang berhak holders, insured, participants, and/or parties entitled to
memperoleh manfaat; receive benefit;
13. Anggota Dewan Komisaris mampu menghindarkan 13. Board of Commissioners’ members must refrain from
penyalahgunaan kewenangannya untuk mendapatkan abusing their authority to gain personal interests that are
keuntungan pribadi yang tidak semestinya atau improper or harm the insurance company;
menyebabkan kerugian bagi perusahaan perasuransian;
14. Anggota Dewan Komisaris bukan anggota 14. Board of Commissioners’ members are not a member of
Dewan Komisaris yang berasal dari pegawai atau pejabat the Board of Commissioners that came from an active
aktif Otoritas Jasa Keuangan; serta employees or Financial Services Authority officials; and
15. Anggota Dewan Komisaris bukan anggota 15. Members of the Board of Commissioners are not members
Dewan Komisaris yang berasal dari mantan pegawai of the Board of Commissioners who come from former
atau pejabat Otoritas Jasa Keuangan apabila yang employees or officials of the Financial Services Authority
bersangkutan berhenti bekerja dari Otoritas Jasa if they resign from the Financial Services Authority for
Keuangan kurang dari 6 bulan. less than 6 months.
Komposisi Composition
Komposisi Dewan Komisaris Perseroan dibentuk dengan The composition of the Company’s Board of Commissioners
mengacu pada prinsip GCG dan ketentuan dalam is established in accordance with GCG principles and
Pedoman Tata Tertib Kerja Dewan Komisaris. Jumlah the provisions outlined in the Board of Commissioners’
anggota Dewan Komisaris ditetapkan minimal 3 orang, Work Guidelines. The Board of Commissioners consists
dengan ketentuan bahwa sekurang-kurangnya 2 orang of a minimum of 3 members, with the requirement that
atau setengah dari jumlah anggota menjabat sebagai a minimum of 2 members, or one-half of the total number
Komisaris Independen guna memastikan fungsi pengawasan of Commissioners, serve as Independent Commissioners
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Corporate Governance
yang objektif dan independen. Pengangkatan dan to ensure objective and independent supervision.
pemberhentian anggota Dewan Komisaris dilakukan melalui The appointment and dismissal of members of the Board of
RUPS, dengan masa jabatan selama 3 tahun. Anggota Commissioners are carried out through the GMS, with a term
Dewan Komisaris dapat diangkat kembali untuk periode of office of 3 years. Members of the Board of Commissioners
berikutnya dengan mempertimbangkan efektivitas dan may be reappointed for subsequent terms by considering
efisiensi pelaksanaan tugas masing-masing anggota, serta the effectiveness and efficiency of each member in
memperhitungkan tingkat kompleksitas usaha Perseroan performing their duties, as well as the increasing complexity
yang terus berkembang. Informasi mengenai komposisi of the Company’s business. Information regarding
Dewan Komisaris Perseroan diuraikan sebagai berikut. the composition of the Company’s Board of Commissioners
is presented as follows.
Tahun
Dasar Pengangkatan Persetujuan Otoritas
Pertama Kali
Nama Jabatan Terakhir Kali Masa Akhir Jabatan Jasa Keuangan
Menjabat
Name Position The Latest Basis of End of Office Tenure Financial Services
First Year in
Appointment Authority Approval
Office
Park Presiden 2025 Keputusan RUPS Luar Biasa Sampai dengan ditutupnya Keputusan Anggota Dewan
Young Komisaris yang termuat dalam Akta No. 36 RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
Mock1) tertanggal 15 Desember 2025. untuk tahun buku 2025 No. KEP-658/PD.02/2025 tanggal
yang diselenggarakan pada 11 Desember 2025.
tahun 2026.
President Extraordinary GMS Resolutions are Until the closing of The Decree of the Board of
Commissioner contained in Deed No. 36 dated the Company’s Annual Commissioners’ Members of
December 15th, 2025. GMS for the 2025 financial the Financial Services Authority
year held in 2026. No. KEP-658/PD.02/2025 dated
December 11th, 2025.
Roberto Komisaris 2025 Keputusan RUPS Tahunan Sampai dengan ditutupnya Keputusan Anggota Dewan
Fernandez yang ditegaskan termuat RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
Feliciano2) dalam Akta No. 1 tertanggal untuk tahun buku 2025 No. KEP-441/PD.02/2025 tanggal
1 September 2025. yang diselenggarakan pada 8 Agustus 2025.
tahun 2026.
Commissioner Annual GMS Resolutions are Until the closing of The Decree of the Board of
confirmed in Deed No. 1 dated the Company’s Annual Commissioners’ Members of
September 1st, 2025. GMS for the 2025 financial the Financial Services Authority
year held in 2026. No. KEP-441/PD.02/2025 dated
August 8th, 2025.
Hyacintus Komisaris 2023 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Anggota Dewan
Henri Independen termuat dalam Akta No. 4 tanggal RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
Djantoko 10 Juli 2023 yang kemudian untuk tahun buku 2025 No. KEP-142/PD.02/2024 tanggal
ditegaskan dalam Akta No. 20 yang diselenggarakan pada 27 Maret 2024.
tanggal 4 April 2024. tahun 2026.
Independent Annual GMS resolutions contained Until the closing of Decision of Members of the Board
Commissioner in Deed No. 4 dated July 10th, the Company’s Annual of Commissioners of Financial
2023, which was later confirmed GMS for the 2025 financial Services Authority No. KEP-142/
in Deed No. 20 dated April 4th, year held in 2026. PD.02/2024 dated March 27th,
2024.
2024.
Sapto Komisaris 2025 Keputusan RUPS Luar Biasa Sampai dengan ditutupnya Keputusan Anggota Dewan
Wahyu Independen yang termuat dalam Akta No. 36 RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
Indratno3) tertanggal 15 Desember 2025. untuk tahun buku 2025 No. KEP-656/PD.02/2025 tanggal
yang diselenggarakan pada 11 Desember 2025.
tahun 2026.
Independent Extraordinary GMS Resolutions are Until the closing of The Decree of the Board of
Commissioner contained in Deed No. 36 dated the Company’s Annual Commissioners’ Members of
December 15th, 2025. GMS for the 2025 financial the Financial Services Authority
year held in 2026. No. KEP-656/PD.02/2025 dated
December 11th, 2025.
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Tata Kelola Perusahaan
Tahun
Dasar Pengangkatan Persetujuan Otoritas
Pertama Kali
Nama Jabatan Terakhir Kali Masa Akhir Jabatan Jasa Keuangan
Menjabat
Name Position The Latest Basis of End of Office Tenure Financial Services
First Year in
Appointment Authority Approval
Office
Kim Dong Presiden 2023 Keputusan RUPS Tahunan Sampai dengan ditutupnya Keputusan Anggota Dewan
Wook4) Komisaris yang termuat dalam Akta RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
No. 4 tanggal 10 Juli 2023 yang untuk tahun buku 2025 No. KEP-16/PD.02/2024 tanggal
kemudian ditegaskan dalam Akta yang diselenggarakan pada 19 Januari 2024.
No. 9 tanggal 26 Februari 2024. tahun 2026.
President Annual GMS Resolutions are Until the closing of The Decree of the Board of
Commissioner contained in Deed No. 4 dated the Annual GMS for 2025 Commissioners’ Members of
July 10th, 2023 which was financial year which will be the Financial Services Authority
subsequently confirmed in Deed held in 2026. No. KEP-16/PD.02/2024 dated
No. 9 dated February 26th, 2024. January 19th, 2024.
Johannes Komisaris 2024 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Anggota Dewan
Agus5) Independen termuat dalam Akta No. 88 RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
tanggal 29 April 2024. untuk tahun buku 2025 No. 147/PD02/2024 tanggal
yang diselenggarakan pada 28 Maret 2024.
tahun 2026.
Independent Annual GMS resolutions contained Until the closing of Decision of Members of the Board
Commissioner in Deed No. 88 dated April 29th, the Company’s Annual of Commissioners of Financial
2024. GMS for the 2025 financial Services Authority No. 147/
year held in 2026. PD02/2024 dated March 28th,
2024.
Ali Komisaris 2021 Keputusan RUPS Tahunan Sampai dengan ditutupnya Keputusan Anggota Dewan
Chendra6) yang termuat dalam Akta RUPS Tahunan Perseroan Komisioner Otoritas Jasa Keuangan
No. 4 tanggal 10 Juli 2023 yang untuk tahun buku 2025 No. KEP-46/NB.11/2021 tanggal
kemudian ditegaskan dalam Akta yang diselenggarakan pada 29 Januari 2021.
No. 9 tanggal 26 Februari 2024. tahun 2026.
Commissioner Annual GMS resolutions contained Until the closing of Decision of Members of the Board
in Deed No. 4 dated July 10th, the Company’s Annual of Commissioners of Financial
2023, which was later confirmed GMS for the 2025 financial Services Authority No. KEP-46/
in Deed No. 9 dated February 26th, year held in 2026. NB.11/2021 dated January 29th,
2024. 2021.
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner as of December 15th, 2025.
2)
Efektif menjabat sebagai Komisaris sejak tanggal 1 September 2025. / Effectively serving as Commissioner as of September 1st, 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner as of December 15th, 2025.
4)
Efektif tidak lagi menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively no longer serving as President Commissioner as of December 15th, 2025.
5)
Efektif tidak lagi menjabat sebagai Komisaris Independen Perseroan dikarenakan telah meninggal dunia pada tanggal 23 April 2025. / Effectively no longer serving as the
Company’s Independent Commissioner due to passing away on April 23rd, 2025.
6)
Efektif mengundurkan diri sebagai Komisaris Perseroan sejak tanggal 1 September 2025. / Effectively resigned as Commissioner of the Company as of September 1st, 2025.
Independensi Independency
Keberadaan independensi dalam Dewan Komisaris sangat The presence of independence within the Board of
penting untuk menjaga integritas dan objektivitas dalam Commissioners is essential to maintaining integrity and
pengambilan keputusan. Dengan sikap independen, objectivity in decision-making. By upholding an independent
anggota Dewan Komisaris mampu menjalankan peran stance, members of the Board of Commissioners are able
pengawasan dan pengelolaan Perseroan tanpa terpengaruh to carry out their supervisory and oversight roles without
oleh kepentingan pribadi atau tekanan dari pihak lain. being influenced by personal interests or pressure from
Perseroan mewujudkan independensi ini dengan pemenuhan other parties. The Company upholds this independence
persyaratan yang diuraikan sebagai berikut. by fulfilling the requirements as outlined below.
1. Seluruh anggota Dewan Komisaris tidak saling memiliki 1. All members of the Board of Commissioners do not
hubungan kekeluargaan sampai dengan derajat kedua have a family relationship up to the second degree with
dengan sesama anggota Dewan Komisaris dan/atau fellow members of the Board of Commissioners and/or
Direksi; the Board of Directors;
2. Dewan Komisaris telah mengungkapkan kepemilikan 2. The Board of Commissioners has disclosed its share
sahamnya, baik pada Perseroan maupun pada ownership, both in the Company and in insurance
perusahaan asuransi dan perusahaan lain, yang companies and other companies, domiciled at home and
berkedudukan di dalam dan di luar negeri dalam suatu abroad in a report that must be updated annually;
laporan yang harus diperbarui setiap tahunnya;
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Corporate Governance
3. Dewan Komisaris tidak mengambil dan/atau menerima 3. The Board of Commissioners does not take and/or
keuntungan pribadi dari Perseroan selain remunerasi receive personal gain from the Company other than
dan fasilitas lainnya yang ditetapkan oleh RUPS. Dalam remuneration and other facilities stipulated by the GMS.
memastikan hal tersebut, Dewan Komisaris menugaskan In ensuring this, the Board of Commissioners assigns
Komite Audit untuk melakukan pemeriksaan dan the Audit Committee to conduct an audit, the result of
kesimpulan hasil pemeriksaannya dimuat dalam Laporan which is included in this Annual Report; and
Tahunan ini; serta
4. Per 31 Desember 2025, tidak ada kepemilikan saham 4. As of December 31st, 2025, there is no share ownership
oleh anggota Dewan Komisaris pada Perseroan. by members of the Board of Commissioners in
the Company.
Tujuan dari hal ini agar Dewan Komisaris mampu The purpose of this arrangement is to enable the Board of
melaksanakan fungsi pengawasan secara efektif dan Commissioners to carry out its supervisory function effectively
menjaga agar tata kelola perusahaan berjalan dengan and to ensure that corporate governance is implemented in
transparan dan akuntabel. a transparent and accountable manner.
Tugas dan Tanggung Jawab Duties and Responsibilities
Dewan Komisaris memiliki tugas dan tanggung jawab untuk The Board of Commissioners has the duties and
memastikan Perseroan berjalan sesuai dengan peraturan responsibilities to ensure that the Company operates in
dan prinsip GCG. Informasi mengenai tugas dan tanggung compliance with prevailing regulations and GCG principles.
jawab serta realisasi program kerja Dewan Komisaris pada Information regarding the duties and responsibilities, as
tahun 2025 diuraikan sebagai berikut. well as the realization of the Board of Commissioners’ work
program in 2025, is described as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melakukan pengawasan dan bertanggung jawab Melakukan pengawasan terhadap pelaksanaan tugas dan tanggung jawab Direksi terkait
atas pengawasan terhadap kebijakan kepengurusan, dengan pengelolaan dan pengembangan usaha Perseroan sebagaimana yang dimuat dalam
jalannya pengurusan pada umumnya, baik mengenai Laporan Tugas Pengawasan yang telah disampaikan kepada Pemegang Saham melalui RUPS.
Perseroan maupun usaha Perseroan, dan memberi Adapun aspek yang menjadi fokus pengawasan meliputi:
nasihat kepada Direksi. 1. Kinerja keuangan Perseroan secara menyeluruh;
2. Penerapan GCG;
3. Kinerja operasional Perseroan, termasuk kualitas kinerja underwriting, struktur reasuransi, dan
pengendalian risiko;
4. Pengembangan portofolio bisnis, termasuk inisiatif digitalisasi dan penguatan SDM;
5. Penguatan manajemen risiko di seluruh lini kegiatan usaha Perseroan; serta
6. Peningkatan efisiensi biaya dan kualitas laba, sejalan dengan implementasi PSAK/IFRS 17
serta pengembangan bisnis yang berkelanjutan.
Selain melakukan pengawasan, Dewan Komisaris juga menyampaikan beberapa rekomendasi
dan nasihat kepada Direksi melalui mekanisme rapat gabungan yang diselenggarakan sebanyak
12 kali dan rapat gabungan dengan audit eksternal sebanyak 2 kali sepanjang tahun 2025.
To supervise and be responsible for supervision of Has supervised the Board of Directors’ duties and responsibilities related to the Company’s
the management policies, the course of management business management and development duties as stated in the Supervisory Duty Report
in general, both regarding the Company and presented to the Shareholders during GMS. The focused aspects of this supervision include:
the Company’s business, and to provide advice to 1. The Company’s overall financial performance;
the Board of Directors. 2. The implementation of GCG;
3. The Company’s operational performance, including the quality of underwriting performance,
reinsurance structure, and risk control;
4. The development of the business portfolio, including digitalization initiatives and HR
strengthening;
5. The strengthening of risk management across all of the Company’s business activities; and
6. The enhancement of cost efficiency and earnings quality, in line with the implementation of
PSAK/IFRS 17 and sustainable business development.
In addition to supervising, the Board of Commissioners also provided several recommendations
and advice to the Board of Directors through joint meetings held 12 times, and joint meeting with
external audit 2 time throughout 2025.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengawasi Direksi dalam menjaga keseimbangan Dewan Komisaris melakukan pemantauan secara berkala melalui laporan bulanan dari Direksi
kepentingan pemegang polis/tertanggung, peserta mengenai kinerja operasional dan keuangan, serta memastikan bahwa kebijakan yang diambil
dan/atau pihak yang berhak memperoleh manfaat. oleh Direksi tidak hanya menguntungkan Perseroan, tetapi juga memperhatikan hak dan
kepentingan seluruh pemangku kepentingan. Selain itu, evaluasi terhadap keputusan-keputusan
strategis Direksi dilakukan untuk memastikan bahwa seluruh kebijakan telah sesuai dengan
peraturan yang berlaku dan memprioritaskan kesejahteraan dan perlindungan bagi pemegang
polis serta peserta asuransi.
To supervise the Board of Directors in balancing The Board of Commissioners conducted regular monitoring through monthly reports from
the interests of the policy holders/insured, participants the Board of Directors on operational and financial performance, and ensured that the policies
and/or eligible beneficiaries. adopted by the Board of Directors not only benefit the Company, but also consider the rights
and interests of all stakeholders. In addition, an evaluation of the Board of Directors’ strategic
decisions was conducted to ensure that all policies are in accordance with applicable regulations
and prioritize the welfare and protection of policyholders and insurance participants.
Meninjau Laporan Keuangan, Rencana Tahunan, dan Dewan Komisaris, melalui rapat-rapat berkala, telah melakukan peninjauan mendalam terhadap
Anggaran Perseroan. laporan yang disusun Direksi, seperti Laporan Keuangan, Rencana Tahunan, serta Anggaran
Dasar dengan berkoordinasi bersama Komite Audit. Dewan Komisaris senantiasa memastikan
bahwa seluruh Laporan Keuangan yang disusun Perseroan telah sesuai dengan prinsip akuntansi
yang berlaku serta mencerminkan kondisi keuangan Perseroan secara transparan dan akurat,
termasuk dengan menunjuk Kantor Akuntan Publik Suharli, Sugiharto & Rekan untuk mengaudit
Laporan Keuangan Perseroan tahun buku 2025. Selain itu, Dewan Komisaris juga menilai dan
menyetujui rencana tahunan dan anggaran Perseroan, dengan mempertimbangkan prospek
bisnis dan target strategis yang ingin dicapai.
To review the Company’s Financial Statements, The Board of Commissioners, through regular meetings, conducted an in-depth review of
Annual Plans, and Budgets. reports prepared by the Board of Directors, such as the Financial Statements, Annual Plan, and
Articles of Association in coordination with the Audit Committee. The Board of Commissioners
ensured that all Financial Statements prepared by the Company are in accordance with
applicable accounting principles and reflect the Company’s financial condition transparently
and accurately, including by appointing Suharli, Sugiharto & Associates Public Accounting Firm
to audit the Company’s Financial Statements for the fiscal year 2025. In addition, the Board of
Commissioners also assessed and approved the Company’s annual plan and budget, by taking
into account the business prospects and strategic targets to be achieved.
Memastikan kepatuhan Perseroan terhadap hukum Dewan Komisaris secara aktif memantau dan mengawasi implementasi berbagai peraturan yang
dan peraturan yang berkaitan pasar modal dan berlaku, termasuk peraturan dari Otoritas Jasa Keuangan dan Bursa Efek Indonesia. Sepanjang
industri asuransi. tahun 2025, Perseroan telah meninjau secara berkala kebijakan dan prosedur internal untuk
memastikan bahwa seluruh kegiatan operasional, pelaporan keuangan, dan pengungkapan
informasi dilakukan sesuai dengan ketentuan hukum yang berlaku. Adapun beberapa
penyesuaian yang telah dilakukan Perseroan, meliputi:
1. Pedoman Penerapan Strategi Anti-Fraud;
2. Pedoman Pelindungan Data Pribadi;
3. Penerapan Program/Kegiatan CSR;
4. Penanganan Keadaan Darurat untuk Karyawan;
5. Pedoman Mutu dan Keamanan Informasi;
6. Pedoman Dukungan Strategi Reasuransi;
7. Program Aksi Keuangan Berkelanjutan;
8. Pedoman Pembentukan Cadangan Teknis;
9. Pedoman Tata Kelola Perusahaan yang Baik;
10.Pedoman Pencegahan Konflik Kepentingan dalam Konglomerasi Keuangan;
11. Pedoman Transaksi Internal Konglomerasi Keuangan;
12. Pedoman Pelaksanaan Bisnis Bersama Konglomerasi Keuangan;
13. Pedoman Business Continuity Management; serta
14.Surat Keputusan, Surat Edaran, Standard Operation Procedure (SOP), Petunjuk Kerja, dan
Instruksi Kerja yang berkaitan dengan operasioal Perseroan.
208 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Ensuring the Company’s compliance with laws and The Board of Commissioners actively monitored and oversaw the implementation of various
regulations relating to the capital market and the applicable regulations, including regulations from the Financial Services Authority and Indonesia
insurance industry. Stock Exchange. Throughout 2025, the Company periodically reviewed its internal policies and
procedures to ensure that all operational activities, financial reporting, and information disclosure
are carried out in accordance with applicable legal provisions. Some of the adjustments made
by the Company included:
1. Guidelines for the Implementation of the Anti-Fraud Strategy
2. Personal Data Protection Policy
3. Implementation of CSR Programs/Activities
4. Emergency Response Procedures for Employees
5. Information Quality and Security Guidelines
6. Guidelines for Supporting the Reinsurance Strategy
7. Sustainable Finance Action Program
8. Guidelines for the Establishment of Technical Reserves
9. Good Corporate Governance Guidelines
10.Guidelines for the Prevention of Conflicts of Interest within Financial Conglomerates
11. Guidelines for Internal Transactions within Financial Conglomerates
12. Guidelines for the Implementation of Joint Business within Financial Conglomerates
13. Business Continuity Management Guidelines; and
14.Decision Letters, Circular Letters, Standard Operating Procedures (SOPs), Work Instructions,
and Operational Instructions related to the Company’s operations.
Menyelenggarakan RUPS Tahunan dan RUPS Sepanjang tahun 2025, Dewan Komisaris telah menyelenggarakan RUPS Tahunan pada
lainnya sesuai kewenangannya sebagaimana diatur tanggal 29 April 2025 dan RUPS Luar Biasa masing-masing pada tanggal 20 Januari 2025 dan
dalam perundang-undangan dan Anggaran Dasar 12 Desember 2025 untuk tahun buku 2025.
Perseroan.
To organize the Annual GMS and other GMS in Throughout 2025, the Board of Commissioners held the Annual GMS on April 29th, 2025 and
accordance with their respective authorities as Extraordinary GMS held on January 20th, 2025 and December 12th, 2025, respectively, for
stipulated in the laws and regulations as well as the 2025 fiscal year.
the Articles of Association.
Membentuk paling kurang Komite Kebijakan Tata Dewan Komisaris telah berhasil merealisasikan program kerja dengan membentuk beberapa
Kelola Perusahaan, Komite Remunerasi dan Nominasi, komite strategis untuk mendukung efektivitas pelaksanaan tugas dan tanggung jawabnya.
Komite Pemantau Risiko, serta Komite Audit dalam Sesuai dengan ketentuan yang berlaku, Dewan Komisaris telah membentuk Komite-Komite
rangka mendukung efektivitas pelaksanaan tugas dan sebagai berikut.
tanggung jawabnya. 1. Komite Audit yang dibentuk berdasarkan Surat Keputusan Dewan Komisaris
No. 001/BOC-CS/VII/2023 tanggal 28 Juli 2023;
2. Komite Remunerasi dan Nominasi yang dibentuk berdasarkan Surat Keputusan
Dewan Komisaris No. 002/BOC-CS/IX/2025 tanggal 15 September 2025;
3. Komite Kebijakan Tata Kelola Perusahaan yang dibentuk berdasarkan Surat Keputusan
Dewan Komisaris SK-005/BOC-CS/I/2025 tanggal 21 Januari 2025; dan
4. Komite Pemantau Risiko yang dibentuk berdasarkan Surat Keputusan Dewan Komisaris
No. 004/BOC-CS/VII/2023 tanggal 28 Juli 2023.
To establish at least Good Corporate Governance The Board of Commissioners has successfully realized its work program by establishing several
Committee, Remuneration and Nomination strategic committees to support the effectiveness of its duties and responsibilities. In accordance
Committee, Risk Oversight Committee, and with applicable regulations, the Board of Commissioners has established the following
Audit Committee to support the effectiveness of Committees:
the implementation of its duties and responsibilities. 1. Audit Committee, established based on the Board of Commissioners Decree
No. 001/BOC-CS/VII/2023 dated July 28th, 2023;
2. Remuneration and Nomination Committee established based on the Decree of the Board of
Commissioners No. 002/BOC-CS/IX/2025 dated September 15th, 2025;
3. Good Corporate Governance Committee established pursuant to the Decree of the Board of
Commissioners SK-005/BOC-CS/I/2025 dated January 21st, 2023; and
4. Risk Oversight Committee, established based on the Board of Commissioners Decree
No. 004/BOC-CS/VII/2023 dated July 28th, 2023.
Memastikan bahwa komite-komite yang telah Melalui pemantauan rutin dan evaluasi kinerja secara periodik, Dewan Komisaris memastikan
dibentuk menjalankan tugasnya secara efektif. bahwa setiap komite telah berfungsi sesuai dengan mandatnya. Komite-Komite Perseroan
secara aktif melaksanakan tugas-tugasnya dengan mengadakan rapat-rapat reguler, menyusun
rekomendasi strategis, dan mengawasi berbagai aspek penting dari operasional Perseroan.
To ensure that the committees that have been By monitoring regularly and periodically evaluating performance, the Board of Commissioners
established shall carry out their duties effectively. ensures that each committee is functioning in accordance with its mandate. The Company’s
Committees actively carry out their duties by holding regular meetings, making strategic
recommendations, and overseeing various important aspects of the Company’s operations.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 209
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Tata Kelola Perusahaan
Keputusan yang Perlu Mendapat Decisions Requiring the Board of
Persetujuan Dewan Komisaris Commissioners’ Approval
Berdasarkan ketentuan Pasal 19 ayat (7) Anggaran Dasar Pursuant to Article 19 paragraph (7) of the Company’s
Perseroan, Direksi memiliki wewenang untuk mewakili Articles of Association, the Board of Directors has the
Perseroan baik di dalam maupun di luar pengadilan dan authority to represent the Company both inside and outside
mengikat Perseroan dengan pihak lain dalam berbagai the court and to bind the Company with other parties in
tindakan yang berkaitan dengan pengurusan serta various actions related to management and ownership.
kepemilikan. Namun, terdapat pembatasan penting yang However, there are important limitations that require
mengharuskan Direksi untuk memperoleh persetujuan the Board of Directors to obtain prior written approval
tertulis terlebih dahulu dari Dewan Komisaris sebelum from the Board of Commissioners before making certain
mengambil keputusan tertentu. Adapun keputusan yang decisions. The decisions that require approval from
harus mendapatkan persetujuan dari Dewan Komisaris the Board of Commissioners are outlined as follows.
diuraikan sebagai berikut.
1. Meminjam atau meminjamkan uang atas nama Perseroan 1. Borrowing or lending money on behalf of the Company,
yang jumlahnya dari waktu ke waktu ditentukan oleh the amount of which shall be determined from time to
Rapat Dewan Komisaris (dalam hal ini tidak termasuk time by the Board of Commissioners’ Meeting (in this
pengambilan uang dari kredit yang telah dibuka); case excluding the withdrawal of money from the credit
that has been opened);
2. Mengikat Perseroan sebagai penanggung/penjamin; 2. Binding the Company as an insurer/guarantor;
3. Membeli, menjual, atau dengan cara lain mendapatkan 3. Purchasing, selling, or otherwise acquiring or disposing
atau melepaskan hak atas barang-barang tidak bergerak, of rights to immovable property, including buildings and
termasuk bangunan-bangunan dan hak-hak atas tanah land rights and companies;
serta perusahaan-perusahaan;
4. Menggadaikan atau membebankan barang-barang 4. Mortgaging or charging the Company’s assets;
kekayaan Perseroan;
5. Melepaskan hak-hak atas benda bergerak tidak 5. Releasing rights over intangible movable property, such
berwujud, seperti hak paten atau merek; as patents or brands;
6. Menjual, memindahkan, menggadaikan, ataupun 6. Selling, transferring, mortgaging, or otherwise lending
dengan cara lain meminjamkan saham-saham Perseroan the Company’s shares in other companies, purchasing
dalam perusahaan lain, membeli saham-saham dalam shares in other companies, and participating in other
perusahaan-perusahaan lain, dan turut serta dalam companies or legal entities; and
perusahaan-perusahaan atau badan hukum lain; serta
7. Mendirikan dan ikut serta dalam perusahaan-perusahaan 7. Establishing and participating in other companies and/or
dan/atau badan-badan hukum lain. legal entities.
Rapat Meeting
Dewan Komisaris menyelenggarakan rapat di mana rapat The Board of Commissioners holds meetings, with internal
internal diselenggarakan paling sedikit 1 kali dalam setiap meetings convened at least once every month and joint
bulan dan rapat gabungan dengan Direksi diadakan minimal meetings with the Board of Directors held at least 4 times
4 kali dalam setahun. Dewan Komisaris juga melakukan rapat a year. The Board of Commissioners also conducts joint
gabungan dengan audit eksternal yang diadakan minimal meetings with the external auditor at least once a year. In
1 kali dalam setahun. Selain itu, Dewan Komisaris diwajibkan addition, members of the Board of Commissioners are
untuk menghadiri pelaksanaan RUPS, baik Tahunan maupun required to attend the GMS, both Annual and Extraordinary,
Luar Biasa, sebagai bentuk partisipasi aktif dalam proses as a form of active participation in the Company’s strategic
pengambilan keputusan strategis Perseroan. decision-making process.
Sepanjang tahun 2025, Dewan Komisaris secara Throughout 2025, the Board of Commissioners actively
aktif menjalankan perannya melalui penyelenggaraan carried out its role by holding a total of 14 meetings, consisting
14 kali rapat, di mana sebanyak 12 kali rapat gabungan of 12 joint meetings with the Board of Directors and 2 joint
dengan Direksi dan 2 kali rapat gabungan dengan audit meetings with the external auditor. The attendance rate for
eksternal. Adapun tingkat kehadiran dalam setiap rapat each of these meetings is recorded as follows.
tersebut tercatat sebagai berikut.
210 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Rapat Internal Dewan Komisaris dan
Rapat Gabungan dengan Direksi Rapat Gabungan dengan
Kehadiran dalam RUPS
Board of Commissioners Internal Audit Eksternal
Attendance at the GMS
Meeting and Joint Meeting with the Joint Meeting with External Auditor
Board of Directors
Nama Jabatan
Name Position RUPS
Tingkat Tingkat RUPS Luar
Jumlah Jumlah Jumlah Jumlah Tahunan
Kehadiran Kehadiran Biasa 2025
Kehadiran Rapat Kehadiran Rapat 2025
Level of Level of 2025
Total Total Total Total 2025
Attendance Attendance Extraordinary
Attendance Meeting Attendance Meeting Annual
(%) (%) GMS
GMS
Park Young Presiden
Mock1) Komisaris
1 1 100,00 - - - - -
President
Commissioner
Roberto Komisaris
Fernandez Commissioner 4 4 100,00 1 1 100,00
Feliciano2)
Hyacintus Komisaris
Henri Independen
Djantoko 12 12 100,00 2 2 100,00
Independent
Commissioner
Sapto Wahyu Komisaris
Indratno3) Independen
1 1 100,00 - - - - -
Independent
Commissioner
Kim Dong Presiden
Wook4) Komisaris
11 11 84,61 - 2 -
President
Commissioner
Johannes Komisaris
Agus5) Independen
4 4 100,00 1 1 100,00 -
Independent
Commissioner
Ali Chendra6) Komisaris
8 8 100,00 1 1 100,00
Commissioner
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner as of December 15th, 2025.
2)
Efektif menjabat sebagai Komisaris sejak tanggal 1 September 2025. / Effectively serving as Commissioner as of September 1st, 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner as of December 15th, 2025.
4)
Efektif tidak lagi menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively no longer serving as President Commissioner as of December 15th, 2025.
5)
Efektif tidak lagi menjabat sebagai Komisaris Independen Perseroan dikarenakan telah meninggal dunia pada tanggal 23 April 2025. / Effectively no longer serving as the
Company’s Independent Commissioner due to passing away on April 23rd, 2025.
6)
Efektif mengundurkan diri sebagai Komisaris Perseroan sejak tanggal 1 September 2025. / Effectively resigned as Commissioner of the Company as of September 1st, 2025.
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi Dewan Komisaris merupakan The competency development of the Board of
aspek krusial dalam memastikan tata kelola perusahaan Commissioners is a crucial aspect in ensuring effective and
yang efektif dan berkelanjutan. Proses ini melibatkan sustainable corporate governance. This process involves
peningkatan pengetahuan, keterampilan, dan pemahaman enhancing knowledge, skills, and in-depth understanding
mendalam terkait peran dan tanggung jawab strategis yang of the strategic roles and responsibilities that the Board of
harus dijalankan oleh Dewan Komisaris dalam mengawasi Commissioners must carry out in supervising and providing
dan memberikan arahan kepada manajemen. Seluruh guidance to management. All competency development
rangkaian kegiatan pengembangan kompetensi ini dikelola, activities are systematically managed, coordinated, and
dikoordinasikan, dan didokumentasikan secara sistematis documented by the Talent Management Department,
oleh Departemen Talent Management, sehingga setiap ensuring that each training program, workshop, and
program pelatihan, workshop, dan evaluasi kompetensi competency evaluation is implemented in a structured
dapat berjalan secara terstruktur dan terukur. Dengan and measurable manner. With the support of the Talent
bantuan Departemen Talent Management, Dewan Komisaris Management Department, the Board of Commissioners
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 211
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Tata Kelola Perusahaan
dapat terus meningkatkan kapabilitas dalam analisis risiko, is able to continuously strengthen its capabilities in risk
pemahaman regulasi, dan strategi bisnis yang dinamis sesuai analysis, regulatory understanding, and dynamic business
perkembangan industri dan lingkungan eksternal. strategy in line with developments in the industry and
the external environment.
Informasi mengenai kegiatan pengembangan kompetensi Information on the competency development activities in
yang diikuti oleh Dewan Komisaris sepanjang tahun 2025 which the Board of Commissioners participated throughout
diuraikan sebagai berikut. 2025 is presented below.
Nama Jabatan Topik Pengembangan Kompetensi Tempat dan Waktu Penyelenggara
Name Position Competency Development Subject Venue and Time Organizer
Park Young Presiden Komisaris Risk Management Governance Certification Jakarta, 13 September 2025 LSP Asosiasi Asuransi
Mock1) President (RMGC). Umum Indonesia (AAUI)
Commissioner Jakarta, September 13th, 2025 LSP Indonesian General
Insurance Association
(AAUI)
Roberto Komisaris Pendidikan dan Pelatihan Persiapan Ujian Bandung, 19 Mei 2025 LPK MKS
Fernandez Commissioner Profesional Tata Kelola Risiko Berkualifikasi
Feliciano2) (Qualified Risk Governance Professional/
QRGP).
Training and Preparation Program for Bandung, May 19th, 2025
the Qualified Risk Governance Professional
(QRGP) Examination.
Hyacintus Komisaris Independen Kelangsungan Bisnis di 2025: Pendekatan Webinar, 22 Januari 2025 Indonesia Risk
Henri Djantoko Independent Risiko Hukum dan Manajemen Kepatuhan. Management
Commissioner Professional Association
(IRMAPA)
Business Continuity in 2025: A Legal Risk and Webinar, January 22nd, 2025
Compliance Management Approach.
Risk Maturity Transformation : Building Webinar, 27 Agustus 2025 Risk Hub
Resilience in a Volatile Landscape. Webinar, August 27th, 2025
Identifikasi dan Pemetaan Risiko TI, serta Audit Webinar, 9 Desember 2025 Widya Dharma Artha
IT Risk Management.
IT Risk Identification and Mapping, and IT Risk Webinar, December 9th, 2025
Management Audit.
Sapto Wahyu Komisaris Independen Workshop Statistik: Eksplorasi Stochastic Block Bandung, 14-15 Juli 2025 Institut Teknologi
Indratno3) Independent Model dan Expectation Maximization. Bandung (ITB)
Commissioner Statistics Workshop: Exploration of Stochastic Bandung, July 14th-15th, 2025
Block Models and Expectation Maximization.
Penerapan Manajemen Risiko yang Efektif Jakarta, 28-29 Agustus 2025 Asosiasi Ahli
atau Proses Pengambilan Keputusan pada Manajemen Asuransi
Manajemen Tingkat Menengah atau Tingkat Indonesia (AAMAI)
Manajerial di Perusahaan Perasuransian.
Effective Risk Management Implementation or Jakarta, August 28th-29th, Indonesian Insurance
Decision-Making Processes for Middle-Level 2025 Management Experts
or Managerial-Level Management in Insurance Association (AAMAI)
Companies.
(South East Asian Mathematical Society School) Lampung, 13-21 Agustus 2025 Institut Teknologi
SEAMS School 2025: Stochastic Processess: Lampung, August 13th-21st, Sumatra (ITERA)
Theory and Applications. 2025
212 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Nama Jabatan Topik Pengembangan Kompetensi Tempat dan Waktu Penyelenggara
Name Position Competency Development Subject Venue and Time Organizer
Narasumber Forum Group Discussion (FGD): Bandung, 25-26 September Direktorat Jenderal
Pengolahan Data Spatial dan Machine Learning 2025 Pajak, Kementerian
terkait Pengembangan CRM Kewilayahan. Keuangan Republik
Indonesia
Speaker at the Focus Group Discussion (FGD): Bandung, September 25th-26th, Directorate General
Spatial Data Processing and Machine Learning 2025 of Taxes, Ministry of
for Regional CRM Development Finance of the Republic
of Indonesia
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner as of December 15th, 2025.
2)
Efektif menjabat sebagai Komisaris sejak tanggal 1 September 2025. / Effectively serving as Commissioner as of September 1st, 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner as of December 15th, 2025.
Orientasi bagi Komisaris Baru Orientation for New Commissioners
Perseroan menyadari pentingnya proses orientasi bagi The Company recognizes the importance of an orientation
anggota Dewan Komisaris baru sebagai langkah awal untuk process for newly appointed members of the Board of
memastikan pemahaman yang menyeluruh tentang Visi, Misi, Commissioners as an initial step to ensure a comprehensive
struktur organisasi, dan tata kelola perusahaan yang berlaku. understanding of the Company’s Vision, Mission,
Dengan komitmen yang kuat, Perseroan menyelenggarakan organizational structure, and prevailing corporate governance
program orientasi yang dirancang secara khusus untuk framework. With a strong commitment to this process,
memberikan informasi mendalam mengenai peran dan the Company conducts a specially designed orientation
tanggung jawab Dewan Komisaris, kebijakan internal, dan program to provide in-depth information on the Board of
dinamika operasional Perseroan. Melalui orientasi ini, anggota Commissioners’ roles and responsibilities, internal policies,
Dewan Komisaris baru dapat lebih cepat beradaptasi dan and operational dynamics of the Company. Through this
berkontribusi secara efektif dalam pengambilan keputusan orientation, new members of the Board of Commissioners
strategis, sekaligus memahami ekspektasi yang diemban are able to adapt more quickly and contribute effectively
dalam mengawasi dan memberikan arahan kepada Direksi. to strategic decision-making, while also gaining a clear
Sepanjang tahun 2025, Komisaris yang baru menjabat telah understanding of the expectations associated with their
melalui proses assessment dari Komite Remunerasi dan role in supervising and providing guidance to the Board
Nominasi Perseroan. of Directors. In 2025, the newly appointed Commissioner
underwent an assessment process conducted by the
Company’s Remuneration and Nomination Committee.
Penilaian Kinerja Dewan Komisaris
Performance Assessment of the Board of Commissioners
Prosedur dan Pihak yang Melakukan Penilaian
Assessment Procedure and the Assessor
Penilaian kinerja Dewan Komisaris dilakukan dengan menggunakan The Board of Commissioners’ performance assessment is conducted
metode penilaian sendiri (self-assessment) oleh anggota through self-assessment by members of the Board of Commissioners
Dewan Komisaris, serta penilaian secara komprehensif oleh Komite as well as an overall assessment by the Remuneration and Nomination
Remunerasi dan Nominasi dengan mengacu pada pencapaian Committee with reference to the achievement of Key Performance
Key Performance Indicator (KPI) yang telah disetujui oleh Indicators (KPI) that have been approved by each member of
masing-masing anggota Dewan Komisaris. Hasil penilaian tersebut the Board of Commissioners. The results of the assessment are then
kemudian akan disampaikan kepada Pemegang Saham melalui RUPS, reported to the Shareholders at the GMS, along with the submission
bersamaan dengan penyampaian Laporan Tugas dan Pengawasan of the Board of Commissioners’ Task Reports and Supervisory, along
Dewan Komisaris berikut disahkannya Laporan Keuangan Tahunan with the ratification of the Company’s Annual Financial Statements and
Perseroan serta pemberian pembebasan tugas dan tanggung jawab the granting of release and discharge from duties and responsibilities for
atas kinerja pada tahun buku yang telah berakhir. the performance of the ended financial year.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 213
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Tata Kelola Perusahaan
Kriteria Penilaian
Assessment Criteria
1. Pelaksanaan fungsi dan tanggung jawab dalam melakukan 1. Implementation of functions and responsibilities in supervising
pengawasan terkait tugas dan tanggung jawab serta kinerja Direksi; the Board of Directors’ duties and responsibilities as well as
the performance;
2. Pelaksanaan pengarahan, pengawasan, dan evaluasi terkait 2. Implementation of direction, supervision, and evaluation functions
pelaksanaan kebijakan strategis Perseroan; serta related to the implementation of the Company’s strategic policies;
and
3. Pelaksanaan pengawasan atas tindak lanjut dari Direksi atas temuan 3. Implementation of supervision on follow-up actions by the Board of
audit, rekomendasi dari Unit Audit Internal, hasil audit eksternal atas Directors on audit findings, recommendations from the Internal Audit
Laporan Keuangan, dan hasil pengawasan oleh regulator, yaitu Unit, results of external audit of Financial Statements, and results of
Otoritas Jasa Keuangan dan Bursa Efek Indonesia. supervision by regulators, namely the Financial Services Authority
and the Indonesia Stock Exchange.
Hasil Penilaian
Assessment Result
Berdasarkan prosedur dan kriteria penilaian kinerja melalui mekanisme Based on the procedures and criteria for performance assessment
self-assessment, Dewan Komisaris memperoleh hasil evaluasi dengan through a self-assessment mechanism, the Board of Commissioners
kategori kinerja yang baik. Sepanjang tahun buku 2025, Dewan obtained evaluation results with a good performance category.
Komisaris telah menjalankan fungsi pengawasan dan pemberian Throughout the 2025 financial year, the Board of Commissioners
nasihat kepada Direksi secara efektif, terarah, dan berkesinambungan effectively, purposefully, and consistently carried out its supervisory
dalam rangka mendukung pengelolaan dan pengembangan Perseroan. and advisory functions to the Board of Directors in support of
Nasihat serta rekomendasi yang diberikan disampaikan secara objektif, the management and development of the Company. The advice and
independen, dan profesional, sehingga berkontribusi terhadap kualitas recommendations provided were delivered objectively, independently,
pengambilan keputusan strategis Perseroan. and professionally, thereby contributing to the quality of the Company’s
strategic decision-making.
Dewan Komisaris juga memastikan bahwa penerapan prinsip-prinsip The Board of Commissioners also ensured that GCG principles were
GCG telah dilaksanakan secara konsisten sesuai dengan ketentuan consistently implemented in accordance with prevailing laws and
peraturan perundang-undangan yang berlaku serta praktik terbaik regulations, as well as best practices in the insurance industry. Oversight
di industri asuransi. Pengawasan terhadap realisasi Rencana Bisnis of the implementation of the Company’s Business Plan was a key
Perseroan menjadi fokus utama yang dilaksanakan secara sistematis focus, conducted in a systematic and well-documented manner and
dan terdokumentasi, yang selanjutnya dituangkan dalam Laporan subsequently set forth in the Board of Commissioners’ Supervisory
Pengawasan Dewan Komisaris. Laporan tersebut disampaikan kepada Report. This report is submitted to OJK on a semiannual basis as
OJK secara berkala setiap semester sebagai bentuk komitmen terhadap a manifestation of the Company’s commitment to transparency and
prinsip transparansi dan akuntabilitas. accountability.
Selain itu, Komisaris Independen telah melaksanakan fungsi dan In addition, the Independent Commissioners carried out their roles and
tugasnya secara optimal sesuai dengan ketentuan yang berlaku. responsibilities optimally in accordance with applicable regulations.
Pelaksanaan peran tersebut tercermin dalam Laporan Tahunan The execution of these duties is reflected in the Annual Report on
Pelaksanaan Tugas Komisaris Independen yang menjadi bagian integral the Implementation of Duties of the Independent Commissioners, which
dari Laporan Tahunan Tata Kelola Perusahaan yang Baik. Secara is an integral part of the Annual Report on Good Corporate Governance.
keseluruhan, Dewan Komisaris terus berperan aktif dalam mendukung Overall, the Board of Commissioners continues to play an active role in
pencapaian tujuan strategis Perseroan serta memperkuat keberlanjutan supporting the achievement of the Company’s strategic objectives and
usaha secara jangka panjang. in strengthening long-term business sustainability.
Penilaian Kinerja Organ Pendukung
Performance Assessment of the Supporting Organs
Prosedur dan Pihak yang Melakukan Penilaian
Assessment Procedure and the Assessor
Dewan Komisaris secara berkala melakukan penilaian terhadap Komite The Board of Commissioners periodically evaluates the Audit
Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Risiko, serta Committee, the Remuneration and Nomination Committee, the Risk
Komite Kebijakan Tata Kelola Perusahaan. Penilaian tersebut dilakukan Oversight Committee, and the Good Corporate Governance Committee.
dengan mengacu pada hasil laporan penugasan dan laporan tahunan The assessment is carried out by using the results of the assignment
pelaksanaan kegiatan dari masing-masing komite. report and the annual report on the implementation of each committee’s
activities.
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Corporate Governance
Kriteria Penilaian
Assessment Criteria
1. Tingkat kehadiran dalam rapat masing-masing komite; 1. Level of attendance at each committee meetings;
2. Realisasi rencana kerja; 2. Work plan realization;
3. Efektivitas pelaksanaan tugas dan tanggung jawab; serta 3. Effectiveness of the implementation of duties and responsibilities;
and
4. Kualitas saran dan rekomendasi yang diberikan. 4. Quality of advice and recommendations given.
Hasil Penilaian
Assessment Result
Berdasarkan prosedur dan kriteria penilaian kinerja yang ditetapkan, Based on the established performance assessment procedures and
seluruh Komite Pendukung Dewan Komisaris memperoleh hasil criteria, all of the Board of Commissioners’ Supporting Committees
evaluasi dengan kategori baik pada tahun buku 2025. Hasil penilaian achieved a good rating in their evaluations for the 2025 financial
tersebut mencerminkan efektivitas peran masing-masing Komite dalam year. These results reflect the effectiveness of each Committee’s role
mendukung pelaksanaan fungsi pengawasan dan pemberian nasihat in supporting the supervisory and advisory functions of the Board of
Dewan Komisaris kepada Direksi, serta dalam memastikan pengelolaan Commissioners to the Board of Directors, as well as in ensuring that
Perseroan berjalan sesuai dengan prinsip GCG. the Company is managed in accordance with GCG principles.
Dewan Komisaris menilai bahwa Komite Audit telah menjalankan The Board of Commissioners assessed that the Audit Committee has
perannya secara aktif dan independen dalam menelaah integritas actively and independently carried out its role in reviewing the integrity
Laporan Keuangan, memantau kepatuhan terhadap peraturan of the Financial Statements, monitoring compliance with prevailing laws
perundang-undangan, serta mendukung efektivitas sistem pengendalian and regulations, and supporting the effectiveness of the internal control
internal. Sementara itu, Komite Remunerasi dan Nominasi dinilai telah system. Meanwhile, the Remuneration and Nomination Committee
memberikan kontribusi yang signifikan dalam mendukung pengelolaan was deemed to have made a significant contribution to supporting
SDM, termasuk penilaian kinerja, pengembangan kompetensi, serta HR management, including performance evaluation, competency
penyusunan kebijakan remunerasi yang adil dan kompetitif. development, and the formulation of fair and competitive remuneration
policies.
Selain itu, Komite Pemantau Risiko berperan dalam membantu Dewan In addition, the Risk Oversight Committee plays a role in assisting
Komisaris mengawasi proses identifikasi, evaluasi, dan mitigasi risiko the Board of Commissioners in overseeing the process of risk
yang berpotensi memengaruhi kinerja dan keberlanjutan usaha identification, evaluation, and mitigation that may affect the Company’s
Perseroan. Komite Kebijakan Tata Kelola Perusahaan juga dinilai secara performance and business sustainability. The Good Corporate
konsisten menjalankan fungsi pengawasan terhadap penerapan prinsip- Governance Committee is also assessed to have consistently performed
prinsip GCG di seluruh lini operasional, serta memastikan kesesuaian its oversight function with respect to the implementation of GCG
kebijakan dan prosedur Perseroan dengan ketentuan regulator dan principles across all operational lines, while ensuring that the Company’s
praktik terbaik yang berlaku. policies and procedures remain in compliance with regulatory
requirements and prevailing best practices.
Melalui koordinasi dan sinergi yang terjalin secara berkelanjutan antara Through ongoing coordination and synergy between the Board of
Dewan Komisaris dan seluruh Komite Pendukung, Perseroan dapat Commissioners and all Supporting Committees, the Company is
memastikan bahwa kebijakan dan strategi yang dijalankan tetap selaras able to ensure that its policies and strategies remain aligned with
dengan Visi dan Misi Perseroan, sekaligus memberikan nilai tambah the Company’s Vision and Mission, while delivering sustainable added
yang berkelanjutan bagi seluruh pemangku kepentingan. value to all stakeholders.
Komisaris Independen Independent Commissioner
Peran Komisaris Independen sangat krusial dalam menjaga The role of Independent Commissioners is crucial in
keseimbangan dan transparansi dalam pengawasan maintaining balance and transparency in the oversight of
manajemen Perseroan. Komisaris Independen merupakan the Company’s management. Independent Commissioners
anggota Dewan Komisaris yang tidak memiliki hubungan are members of the Board of Commissioners who have no
keuangan, kepengurusan, kepemilikan saham, maupun financial, managerial, shareholding, or family relationships
hubungan keluarga dengan anggota Dewan Komisaris with other members of the Board of Commissioners, Board of
lainnya, Direksi, atau Pemegang Saham Utama yang Directors, or Main Shareholders that could affect their ability
dapat memengaruhi kemampuannya untuk bertindak to act independently. With this independence, Independent
secara independen. Dengan kemandirian ini, Komisaris Commissioners are able to provide objective supervision and
Independen dapat memberikan pengawasan yang objektif ensure that the interests of all stakeholders are adequately
dan memastikan bahwa kepentingan seluruh pemangku protected.
kepentingan terlindungi dengan baik.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 215
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Tata Kelola Perusahaan
Saat ini, komposisi Komisaris Independen Perseroan telah At present, the composition of Independent Commissioners
disusun sesuai dengan ketentuan yang berlaku dalam is structured in line with applicable regulations, OJK
regulasi, yaitu Peraturan OJK No. 33/POJK.04/2014 tentang Regulation No. 33/POJK.04/2014 on the Board of
Direksi dan Dewan Komisaris Emiten atau Perusahaan Directors and Board of Commissioners of Issuers or Public
Publik, serta Peraturan OJK No. 73/POJK.05/2016 tanggal Companies, and OJK Regulation No. 73/POJK.05/2016
28 Desember 2016 tentang Tata Kelola Perusahaan yang Baik dated December 28th, 2016, on Good Corporate Governance
bagi Perusahaan Perasuransian yang kemudian diperbarui for Insurance Companies, which was subsequently
dengan Peraturan OJK No. 43/POJK.05/2019 tanggal updated by OJK Regulation No. 43/POJK.05/2019 dated
31 Desember 2019. Kepatuhan terhadap regulasi tersebut December 31st, 2019. Compliance with these regulations
menegaskan komitmen Perseroan dalam menerapkan underscores the Company’s commitment to implementing
prinsip-prinsip tata kelola yang sehat, termasuk sound corporate governance principles, including
penempatan Komisaris Independen yang berkompeten dan the appointment of competent Independent Commissioners
benar-benar bebas dari benturan kepentingan demi who are genuinely free from conflicts of interest, thereby
mendukung pengawasan yang efektif dan akuntabel. supporting effective and accountable oversight.
Kriteria Criteria
Dalam rangka menjaga kualitas pengawasan yang objektif To maintain the quality of objective and professional
dan profesional, Perseroan menetapkan kriteria Komisaris supervision, the Company has established criteria for
Independen berdasarkan ketentuan yang berlaku. Kriteria Independent Commissioners pursuant to prevailing
tersebut merujuk pada Peraturan OJK No. 73/POJK.05/2016 regulations. These criteria refer to OJK Regulation
tentang Tata Kelola Perusahaan yang Baik bagi Perusahaan No. 73/POJK.05/2016 on Good Corporate Governance
Perasuransian dan Peraturan OJK No. 33/POJK.04/2014 for Insurance Companies and OJK Regulation
tentang Dewan Komisaris dan Direksi Emiten atau No. 33/POJK.04/2014 on the Board of Commissioners
Perusahaan Publik. Seluruh anggota Komisaris Independen and Board of Directors of Issuers or Public Companies.
telah menandatangani surat pernyataan independensi, All Independent Commissioners have signed statements
yaitu Bapak Hyacintus Henri Djantoko menandatangani of independence, namely Mr. Hyacintus Henri Djantoko,
surat tertanggal 25 November 2025 dan Bapak Sapto who signed the letter dated November 25th, 2025, and
Wahyu Indratno menandatangani surat tertanggal Mr. Sapto Wahyu Indratno, who signed the letter dated
29 Desember 2025. December 29th, 2025.
Informasi mengenai pernyataan independensi anggota Information regarding the statements of independence of
Komisaris Independen diuraikan sebagai berikut. the Independent Commissioners is presented as follows.
Pernyataan Independensi Hyacintus Henri Sapto Wahyu
Declaration of Independency Djantoko Indratno1)
Tidak mempunyai hubungan afiliasi dengan anggota Dewan Komisaris lainnya, anggota Direksi, anggota
Dewan Pengawas Syariah (DPS), Pemegang Saham, atau yang setara pada perusahaan asuransi dan
perusahaan asuransi syariah, dalam perusahaan asuransi dan perusahaan asuransi syariah yang sama.
Have no affiliation with other members of the Board of Commissioners, Board of Directors, Sharia
Supervisory Board (DPS), or the Shareholders or the equivalents at insurance companies and sharia
insurance companies, at the same insurance company and sharia insurance company.
Tidak pernah menjadi anggota Dewan Komisaris, anggota Direksi, anggota Dewan Pengawas Syariah,
atau menduduki jabatan 1 tingkat di bawah Direksi pada perusahaan asuransi dan perusahaan asuransi
syariah yang sama atau perusahaan lain yang memiliki hubungan afiliasi dengan perusahaan asuransi
dan perusahaan asuransi syariah tersebut dalam jangka waktu 6 bulan terakhir.
Have never been members of Board of Commissioners, Board of Directors, Sharia Supervisory Board,
or held position 1 level below the Board of Directors at the same insurance company or sharia insurance
company or other companies that are affiliated with the said insurance company or sharia insurance
company within the last 6 months.
Memahami peraturan perundang-undangan di bidang perasuransian dan peraturan perundang-
undangan lain yang relevan.
Possess understanding of laws and regulations pertaining to insurance and other relevant laws and
regulations.
Memiliki pengetahuan yang baik mengenai kondisi keuangan perusahaan asuransi dan perusahaan
asuransi syariah tempat Komisaris Independen dimaksud menjabat.
Possess good knowledge regarding the financial condition of insurance company and sharia insurance
company where said Independent Commissioner serves.
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Corporate Governance
Pernyataan Independensi Hyacintus Henri Sapto Wahyu
Declaration of Independency Djantoko Indratno1)
Memiliki pengetahuan yang baik mengenai kepentingan pemegang polis, tertanggung, peserta,
dan/atau pihak yang berhak memperoleh manfaat.
Possess good knowledge regarding the interests of policyholder, insured, participants, and/or eligible
beneficiaries.
Warga Negara Indonesia.
Have Indonesian citizenship.
Berdomisili di Indonesia.
Domiciled in Indonesia.
Bukan merupakan orang yang bekerja atau mempunyai wewenang dan tanggung jawab untuk
merencanakan, memimpin, mengendalikan, atau mengawasi kegiatan Emiten atau Perusahaan
Publik dalam jangka waktu 6 bulan terakhir, kecuali untuk pengangkatan kembali sebagai Komisaris
Independen Emiten atau Perusahaan Publik pada periode berikutnya.
Have not worked or had authority and responsibility to plan, lead, control, or supervise the activity
of Issuer or Public Company within the last 6 months, unless for reappointment as Independent
Commissioner of Issuers or Public Company for the subsequent period.
Tidak mempunyai saham, baik langsung maupun tidak langsung, pada Emiten atau Perusahaan Publik.
Have no share ownership either directly or indirectly in the Issuers or Public Company.
Tidak mempunyai hubungan afiliasi dengan Emiten atau Perusahaan Publik, anggota Dewan Komisaris,
anggota Direksi, atau Pemegang Saham Utama Emiten atau Perusahaan Publik.
Have no affiliation with the Listed or Public Company, member of Board of Commissioners,
Board of Directors, or Main Shareholder of the Issuers or Public Company.
Tidak mempunyai hubungan usaha, baik langsung maupun tidak langsung, yang berkaitan dengan
kegiatan usaha Emiten atau Perusahaan Publik.
Have no business relationship either directly or indirectly with regard to the business activity with
the Issuers or Public Company.
1)
Efektif menjabat sebagai Komisaris Independen Perseroan sejak tanggal 15 Desember 2025. / Effectively serving as the Company’s Independent Commissioner since
December 15th, 2025.
Pelaksanaan Tugas Komisaris Independen Implementation of Independent
Commissioner’s Duties
Sepanjang tahun 2025, Komisaris Independen telah Throughout 2025, the Independent Commissioner carried
melaksanakan tugas seperti pelaksanaan perlindungan out several duties, including safeguarding the interests of
kepentingan pemegang polis/tertanggung/peserta, dan/atau policyholders/insured/participants and/or other parties
pihak yang terlibat memperoleh manfaat. entitled to benefits.
Laporan terkait pelaksanaan tugas Komisaris Independen The report regarding the implementation of the Independent
pada tahun 2025 telah disampaikan sebagaimana Surat Commissioner’s duties in 2025 has been submitted
Komisaris Independen No. 001/LGI-KI/III/2026 tanggal as stated in the Independent Commissioner’s Letter
27 Maret 2026 perihal Laporan Tahunan Pelaksanaan No. 001/LGI-KI/III/2026 dated March 27th, 2026, on
Tugas Komisaris Independen Tahun 2025 PT Lippo General the Annual Report on the Implementation of the Duties of
Insurance Tbk. the Independent Commissioner for 2025 of PT Lippo
General Insurance Tbk.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 217
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Tata Kelola Perusahaan
Direksi
Board of Directors
Direksi memegang tanggung jawab utama dalam mengelola The Board of Directors is primarily responsible for managing
seluruh aktivitas Perseroan sehari-hari dan memastikan the Company’s day-to-day operations and ensuring
target bisnis tercapai dengan optimal. Direksi menjalankan the optimal achievement of business targets. The Board of
fungsi pengambilan keputusan strategis, mengelola sumber Directors performs strategic decision-making functions,
daya, dan mengarahkan organisasi agar selaras dengan manages resources, and directs the organization in alignment
tujuan Perseroan. Selain itu, Direksi juga bertugas menjaga with the Company’s objectives. In addition, the Board of
hubungan yang baik dengan pemangku kepentingan dan Directors is responsible for maintaining strong relationships
beradaptasi dengan perubahan lingkungan bisnis agar with stakeholders and adapting to changes in the business
Perseroan tetap berkembang dan berkelanjutan. environment to ensure the Company’s continued growth and
sustainability.
Pedoman Kerja Work Guidelines
Direksi melaksanakan tugas dan tanggung jawabnya dengan The Board of Directors carries out its duties and responsibilities
berpedoman pada Tata Tertib Kerja Direksi yang telah in accordance with the Board of Directors’ Work Guidelines,
disahkan pada tanggal 30 Juli 2021. Pedoman tersebut which were approved on July 30th, 2021. These guidelines
dibuat dengan mengacu pada prinsip-prinsip GCG yang were formulated with reference to generally accepted GCG
umum diterapkan, sekaligus mematuhi peraturan perundang- principles and in compliance with the prevailing laws and
undangan yang berlaku di sektor asuransi dan pasar modal. regulations in the insurance and capital market sectors.
Kriteria Keanggotaan Membership Criteria
Perseroan memilih anggota Direksi yang memiliki kriteria: The Company appoints members of the Board of Directors
who meet the following criteria:
1. Mempunyai akhlak, moral, dan integritas yang baik; 1. Possess good character, morals, and integrity;
2. Cakap melakukan perbuatan hukum; 2. Competent in performing legal actions;
3. Dalam 5 tahun sebelum pengangkatan dan selama 3. In the 5 years before and during office term:
menjabat:
a. Tidak pernah dinyatakan pailit; a. Have never been declared bankrupt;
b. Tidak pernah menjadi anggota Dewan Komisaris b. Have never been members of the Board of
dan/atau anggota Direksi yang dinyatakan bersalah Commissioners and/or Board of Directors held
menyebabkan suatu perusahaan dinyatakan pailit; responsible for the bankruptcy of a company;
c. Tidak pernah dihukum karena melakukan tindak c. Have never been convicted for criminal offense that
pidana yang merugikan keuangan negara dan/atau inflict losses on the state finance and/or related to
yang berkaitan dengan sektor keuangan; the financial sector;
d. Tidak pernah menjadi anggota Dewan Komisaris d. Have never been members of the Board of
dan/atau anggota Direksi yang selama menjabat: Commissioners and/or Board of Directors that during
their positions have ever:
1) Pernah tidak menyelenggarakan RUPS Tahunan; 1) Failed to hold Annual GMS;
2) Pertanggungjawabannya sebagai anggota 2) Given accountability as a member of the Board
Direksi pernah tidak diterima oleh RUPS atau of Directors that was unaccepted by the GMS
pernah tidak memberikan pertanggungjawaban or failed to give accountability as members of
sebagai anggota Direksi kepada RUPS; serta the Board of Directors to the GMS; and
3) Pernah menyebabkan perusahaan yang 3) Caused a company that was granted license,
memperoleh izin, persetujuan, atau pendaftaran approval, or registration by the Financial Services
dari Otoritas Jasa Keuangan tidak memenuhi Authority to fail in fulfilling its responsibility
kewajiban menyampaikan Laporan Tahunan to deliver Annual Report and/or Financial
dan/atau Laporan Keuangan kepada Otoritas Statements to the Financial Services Authority;
Jasa Keuangan;
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Corporate Governance
4. Memiliki pengetahuan sesuai dengan bidang usaha 4. Possess the knowledge relevant to the Company’s field
Perseroan yang relevan dengan jabatannya; of work and their respective position;
5. Memenuhi kriteria sebagai berikut: 5. Meet the following criteria:
a. Dinyatakan lulus penilaian kemampuan dan a. Passed fit and proper test;
kepatutan;
b. Berdomisili di Indonesia; b. Domiciled in Indonesia;
c. Mampu bertindak dengan itikad baik, jujur, dan c. Able to act in good faith, honestly, and professionally;
profesional;
d. Mampu bertindak untuk kepentingan Perseroan dan d. Able to act in the interests of the Company and
pemegang polis, tertanggung, peserta, dan/atau policy holders, insured, participants, and/or eligible
pihak yang berhak memperoleh manfaat; beneficiaries;
e. Mendahulukan kepentingan Perseroan dan e. Prioritize the interests of the Company and policy
pemegang polis, tertanggung, peserta, dan/atau holder, insured, participants, and/or beneficiaries
pihak yang berhak memperoleh manfaat dari pada over personal interests;
kepentingan pribadi;
f. Mampu mengambil keputusan berdasarkan penilaian f. Able to make decisions based on independent and
independen dan objektif untuk kepentingan objective assessment in the interests of the Company
Perseroan dan pemegang polis, tertanggung, and policy holders, insured, participants, and/or
peserta, dan/atau pihak yang berhak memperoleh eligible beneficiaries; and
manfaat; serta
g. Mampu menghindarkan penyalahgunaan g. Able to refrain from abusing their authority for
kewenangannya untuk mendapatkan keuntungan personal gains that are inappropriate or inflict loss to
pribadi yang tidak semestinya atau menyebabkan the Company;
kerugian bagi Perseroan;
6. Calon anggota Direksi yang akan diangkat bukan berasal 6. Prospective members of the Board of Directors are not
dari pegawai atau pejabat aktif Otoritas Jasa Keuangan; active employees or Financial Services Authority officials;
7. Calon anggota Direksi yang diangkat bukan berasal dari 7. Prospective members of the Board of Directors are not
mantan pegawai atau pejabat Otoritas Jasa Keuangan former employees or Financial Services Authority officials
apabila yang bersangkutan berhenti bekerja dari Otoritas if the candidate quit working at the Financial Services
Jasa Keuangan kurang dari 1 tahun; Authority within 1 year;
8. Calon anggota Direksi yang diangkat tidak diperbolehkan 8. Prospective members of the Board of Directors are not
merangkap jabatan pada perusahaan lain kecuali allowed to hold concurrent positions at other companies
sebagai anggota Dewan Komisaris pada 1 perusahaan except as member of Board of Commissioners at 1 other
perasuransian lain yang memiliki bidang usaha yang insurance company with different line of business;
berbeda;
9. Presiden Direktur dilarang merangkap jabatan sebagai 9. President Director is prohibited from holding concurrent
anggota Dewan Komisaris pada anak perusahaan yang position as member of Board of Commissioners
dikendalikan oleh perusahaan perasuransian yang at subsidiaries controlled by the said insurance company;
bersangkutan; serta and
10. Calon anggota Direksi tidak pernah menjadi anggota 10. Prospective members of the Board of Directors have
Dewan Komisaris dan/atau anggota Direksi yang never been members of Board of Commissioners or
dinyatakan bersalah atau lalai. Board of Directors that were found guilty or negligent.
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Tata Kelola Perusahaan
Komposisi Composition
Komposisi Direksi Perseroan dibentuk dengan mengacu The composition of the Company’s Board of Directors is
pada prinsip GCG dan ketentuan dalam Pedoman Tata Tertib determined in accordance with the GCG principles and
Kerja Direksi. Pengangkatan dan pemberhentian anggota the provisions set forth in the Board of Directors’ Work
Direksi dilakukan melalui RUPS, dengan masa jabatan Guidelines. The appointment and dismissal of members of
selama 3 tahun. Anggota Direksi dapat diangkat kembali the Board of Directors are carried out through the GMS, with
untuk periode berikutnya dengan mempertimbangkan a term of office of 3 years. Members of the Board of Directors
efektivitas dan efisiensi pelaksanaan tugas masing-masing may be reappointed for subsequent terms by considering
anggota, serta memperhitungkan tingkat kompleksitas usaha the effectiveness and efficiency of each member’s
Perseroan yang terus berkembang. Informasi mengenai performance, as well as the increasing complexity of
komposisi Direksi per 31 Desember 2025 diuraikan sebagai the Company’s business activities. Information regarding
berikut. the composition of the Board of Directors as of
December 31st, 2025, is presented below.
Tahun
Dasar Pengangkatan Persetujuan Otoritas
Pertama Kali
Nama Jabatan Terakhir Kali Masa Akhir Jabatan Jasa Keuangan
Menjabat
Name Position The Latest Basis of End of Office Tenure Financial Services
First Year in
Appointment Authority Approval
Office
Agus Presiden 2012 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Ketua Badan
Benjamin Direktur termuat dalam Akta No. 4 tanggal RUPS Tahunan Perseroan Pengawas Pasar Modal
10 Juli 2023 yang kemudian untuk tahun buku 2025 dan Lembaga Keuangan
ditegaskan dalam Akta No. 9 yang diselenggarakan pada No. KEP-309/BL/2012 tanggal
tanggal 26 Februari 2024. tahun 2026. 6 Juni 2012.
President Annual GMS Resolutions are Until the closing of the Annual Decree of the Chairman of
Director contained in Deed No. 4 dated GMS for 2025 financial year the Capital Market and Financial
July 10th, 2023 which was which will be held in 2026. Institution Supervisory Board
subsequently confirmed in Deed No. KEP-309/BL/2012 dated
No. 9 dated February 26th, 2024. June 6th, 2012.
Choi Wakil 2023 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Dewan Komisioner
Hyunhee Presiden termuat dalam Akta No. 4 tanggal RUPS Tahunan Perseroan Otoritas Jasa Keuangan
Direktur 10 Juli 2023 yang kemudian untuk tahun buku 2025 yang No. KEP-35/PD.02/2024
ditegaskan dalam Akta No. 9 diselenggarakan pada tahun tanggal 25 Januari 2024.
tanggal 26 Februari 2024. 2026.
Vice Annual GMS Resolutions are Until the closing of the Annual Decree of the Board
President contained in Deed No. 4 dated GMS for 2025 financial year of Commissioners of
Director July 10th, 2023 which was which will be held in 2026. Financial Services Authority
subsequently confirmed in Deed No. KEP-35/PD.02/2024 dated
No. 9 dated February 26th, 2024. January 25th, 2024.
Kwon Gi Direktur 2023 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Dewan Komisioner
Han termuat dalam Akta No. 4 tanggal RUPS Tahunan Perseroan Otoritas Jasa Keuangan
10 Juli 2023 yang kemudian untuk tahun buku 2025 yang No. KEP-17/PD.02/2024 tanggal
ditegaskan dalam Akta No. 9 diselenggarakan pada tahun 19 Januari 2024.
tanggal 26 Februari 2024. 2026.
Director Annual GMS Resolutions are Until the closing of the Annual Decree of the Board
contained in Deed No. 4 dated GMS for 2025 financial year of Commissioners of
July 10th, 2023 which was which will be held in 2026. Financial Services Authority
subsequently confirmed in Deed No. KEP-17/PD.02/2024 dated
No. 9 dated February 26th, 2024. January 19th, 2024.
Gilbert Direktur 2015 Keputusan RUPS Tahunan yang Sampai dengan ditutupnya Keputusan Dewan Komisioner
Deddy termuat dalam Akta No. 4 tanggal RUPS Tahunan Perseroan Otoritas Jasa Keuangan
Naibaho 10 Juli 2023 yang kemudian untuk tahun buku 2025 yang No. KEP-313/NB.11/2015 tanggal
ditegaskan dalam Akta No. 9 diselenggarakan pada tahun 9 Juni 2015.
tanggal 26 Februari 2024. 2026.
Director Annual GMS Resolutions are Until the closing of the Annual Decision of the Board
contained in Deed No. 4 dated GMS for 2025 financial year of Commissioners of
July 10th, 2023 which was which will be held in 2026. the Financial Service Authority
subsequently confirmed in Deed No. KEP-313/NB.11/2015 dated
No. 9 dated February 26th, 2024. June 9th, 2015.
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Corporate Governance
Independensi Independency
Keberadaan independensi dalam Direksi sangat penting Independence within the Board of Directors is essential to
untuk menjaga integritas dan objektivitas dalam pengambilan maintaining integrity and objectivity in decision-making.
keputusan. Dengan sikap independen, anggota Direksi By upholding an independent stance, members of
mampu menjalankan peran pengawasan dan pengelolaan the Board of Directors are able to carry out
Perseroan tanpa terpengaruh oleh kepentingan pribadi atau their management and oversight roles without being
tekanan dari pihak lain. Perseroan mewujudkan independensi influenced by personal interests or pressure from any
ini dengan pemenuhan persyaratan yang diuraikan sebagai party. The Company ensures such independence through
berikut. compliance with the following requirements.
1. Selain Direksi Perseroan, pihak lain mana pun dilarang 1. Other parties outside the Board of Directors of
melakukan atau campur tangan dalam pengurusan the Company, are prohibited from conducting or
Perseroan; intervening with the management of the Company;
2. Direktur dilarang melakukan aktivitas yang dapat 2. The Board of Directors is prohibited from conducting
mengganggu independensinya dalam mengurus activities that may affect their independency in managing
Perseroan; the Company;
3. Anggota Direksi dilarang saling memiliki hubungan 3. Members of the Board of Directors are prohibited from
kekeluargaan sampai dengan derajat kedua dengan having family relationship up to second degree with
anggota Dewan Komisaris dan/atau dengan sesama members of the Board of Commissioners and/or fellow
anggota Direksi; members of the Board of Directors;
4. Anggota Direksi dilarang menjadi pengurus partai politik 4. Members of the Board of Directors are prohibited from
dan/atau calon/anggota legislatif; serta becoming administrators of political parties and/or
legislative members/candidates; and
5. Anggota Direksi baik secara sendiri-sendiri atau 5. Members of the Board of Directors, either individually
bersama-sama dilarang memiliki saham melebihi or collectively, are prohibited from having more than
25% dari modal disetor pada suatu perusahaan lain. 25% share ownership of paid-up capital in other
companies.
Dengan sikap independen, Direksi mampu menjalankan By maintaining an independent stance, the Board of Directors
fungsi pengelolaan secara transparan serta bebas dari is able to carry out its management functions in a transparent
pengaruh kepentingan pribadi atau pihak tertentu. Hal manner and free from the influence of personal interests
ini tidak hanya memperkuat kepercayaan pemangku or specific parties. This not only strengthens stakeholder
kepentingan, tetapi juga mendukung terciptanya tata kelola confidence, but also supports the creation of sound and
perusahaan yang sehat dan berkelanjutan. sustainable corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Direksi memiliki tugas dan tanggung jawab untuk memastikan The Board of Directors has the duties and responsibilities
Perseroan berjalan sesuai dengan peraturan dan prinsip to ensure that the Company operates in compliance with
GCG. Informasi mengenai tugas dan tanggung jawab serta applicable regulations and GCG principles. Information
realisasi program kerja Direksi pada tahun 2025 diuraikan regarding the duties and responsibilities, as well as
sebagai berikut. the realization of the Board of Directors’ work programs in
2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Agus Benjamin
Presiden Direktur
President Director
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Presiden Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai
tugas dan wewenang Direksi dengan baik.
Fulfill the duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as President
the Articles of Association. Director based on Article 19 of the Company’s Articles of Association regarding
the duties and authorities of the Board of Directors properly.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 221
Page 224
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menyusun dan menetapkan Visi, Misi, dan Nilai-Nilai
Perseroan serta target jangka panjang dan jangka pendek
Perseroan. Melakukan koordinasi, pengawasan, dan perbaikan aktivitas bisnis Perseroan sesuai
dengan Anggaran Dasar dan peraturan perundang-undangan dalam mencapai Visi
Developing and establishing the Company’s Vision, Mission, dan Misi, serta Tujuan Bisnis Perseroan.
and Values as well as the Company’s long-term and
short-term targets. Coordinating, supervising, and improving the Company’s business activities in
accordance with the Articles of Association and laws and regulations in achieving
Bertanggung jawab dalam pencapaian target Perseroan. the Company’s Vision, Mission, and Business Objectives.
Responsible for achieving Company targets.
Berkoordinasi dengan Headquarters untuk mewujudkan Visi Berkoordinasi dengan Headquarters secara berkala untuk memastikan pencapaian
dan Misi Perseroan serta tujuan bisnis. Perseroan berjalan sesuai dengan target yang diharapkan oleh Headquarters dan
bersinergi untuk implementasi berbagai strategi pencapaian target.
Coordinating with Headquarters to realize the Company’s Coordinating with Headquarters on a regular basis to ensure the Company’s
Vision and Mission and business objectives. achievements are in line with the targets expected by Headquarters and synergize for
the implementation of various strategies to achieve targets.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating to employees about the Company’s business Establishing positive communication with employees through Town Hall, Work
direction in order to achieve the Company’s Vision and Meetings, Coordination Meetings, and other meetings to discuss the Company’s
Mission. business direction in order to achieve the Company’s Vision and Mission.
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies through various programs for employee self
ensuring that available HR have the qualifications and development, such as scholarships for employees, various technical and soft skills
competencies to carry out their functions. training programs to support efforts to enhance employee competencies and
development.
Bersama dengan seluruh jajaran Direksi, menyusun dan Melakukan pengembangan dan penyempurnaan terhadap kegiatan operasional
melaksanakan Sistem Manajemen Risiko yang mencakup Perseroan dan penerapanSistem Manajemen Risiko pada lingkup Sistem Manajemen
seluruh aspek kegiatan Perseroan, termasuk dalam Mutu dan Sistem Manajemen Keamanan Informasi, yang meliputi:
penggunaan Teknologi Informasi. 1. Melakukan perluasan fungsi Risk Management menjadi Departemen Enterprise Risk
Together with the entire Board of Directors, developing and Management guna memastikan penerapan sistem manajemen risiko Perseroan
implementing a Risk Management System that covers all berjalan secara efektif dan terintegrasi;
aspects of the Company’s activities, including the use of 2. Melakukan pemantauan secara berkala terhadap penerapan manajemen risiko
Information Technology. di Perseroan untuk memastikan kesesuaian dengan kebijakan dan kerangka kerja
yang telah ditetapkan; serta
3. Melaksanakan berbagai inisiatif untuk meningkatkan budaya manajemen risiko
melalui penyelenggaraan pelatihan dan program internal secara berkelanjutan.
Bersama dengan anggota Direksi lainnya, bertanggung Developing and improving the Company’s operational activities and implementing Risk
jawab atas efektivitas Sistem Manajemen Mutu dan Sistem Management System within the scope of Quality Management System and Information
Manajemen Keamanan Informasi yang dijalankan Perseroan. Security Management System, which includes:
1. Expanding the Risk Management function into the Enterprise Risk Management
Together with other members of the Board of Directors, Department to ensure the effective and integrated implementation of the Company’s
responsible for the effectiveness of Quality Management risk management system;
System and Information Security Management System 2. Conducting periodic monitoring of the implementation of risk management within
implemented by the Company. the Company to ensure alignment with the established policies and frameworks; and
3. Implementing various initiatives to strengthen the risk management culture through
the continuous provision of training and internal programs.
Merancang dan menganalisis strategi jangka pendek, jangka Menyusun dan menganalisis strategi Perseroan, serta melakukan evaluasi terhadap
menengah, dan jangka panjang untuk mencapai tujuan pencapaian strategi tersebut pada masing-masing bagian. Perseroan berkomitmen
Perseroan dan kinerja yang optimal. untuk meningkatkan kinerja perusahaan secara berkelanjutan melalui penguatan
strategi bisnis yang terintegrasi, optimalisasi pertumbuhan usaha, dan pengelolaan
profitabilitas yang prudent. Upaya tersebut didukung oleh pengembangan produk,
percepatan inisiatif digital, dan penguatan kolaborasi lintas fungsi guna memastikan
pencapaian target strategis Perseroan secara efektif dan berkesinambungan.
222 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 225
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Designing and analyzing short-term, medium-term, and Developing and analyzing the Company’s strategy, as well as evaluating the achievement
long-term strategies to achieve the Company’s objectives and of such strategy in each section. The Company is committed to continuously
optimal performance. improving its performance through the strengthening of integrated business strategies,
the optimization of business growth, and prudent profitability management. These
efforts are supported by product development, the acceleration of digital initiatives,
and strengthened cross-functional collaboration to ensure the effective and sustainable
achievement of the Company’s strategic targets.
Melaksanakan tata kelola perusahaan yang baik dan
prinsip kehati-hatian sesuai dengan proyeksi bisnis dan
perkembangan industri asuransi, serta memastikan efektivitas
tata kelola perusahaan yang baik dan audit internal, termasuk
kepatuhan terhadap hukum dan peraturan yang berlaku.
Implementing good corporate governance and prudential
Menyusun Laporan Tata Kelola Perusahaan yang Baik, termasuk Good Corporate
principles in accordance with business projections and
Governance Self-Assessment Checklist, yang dilaporkan secara tahunan kepada
the development of insurance industry, and ensuring
Otoritas Jasa Keuangan.
the effectiveness of good corporate governance and internal
audit, including compliance with applicable laws and Preparing the Good Corporate Governance Report, including the Good Corporate
regulations. Governance Self-Assessment Checklist, which is reported annually to the Financial
Services Authority.
Bersama dengan anggota Direksi lainnya, menyusun rencana
tindakan, menetapkan arah Perseroan dan kebijakan sesuai
dengan hukum dan peraturan yang berlaku.
Together with other members of the Board of Directors,
developing action plans, setting the Company’s direction and
policies in accordance with applicable laws and regulations.
Memimpin dalam audit kepatuhan dan memantau kegiatan Melakukan pemeriksaan secara berkala dan berkesinambungan terhadap pemenuhan
Perseroan dalam rangka memberikan nilai tambah bagi peraturan perundang-undangan dan regulasi lainnya yang berlaku terhadap segala
stakeholder. aspek di Perseroan.
Leading in compliance audits and monitoring the Company’s Conducting regular and continuous checks on the fulfillment of laws and regulations
activities in order to provide added value to stakeholders. applicable to all aspects of the Company.
Bersama dengan Direktur lainnya, menyusun kebijakan dan Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
menetapkan jumlah cadangan teknis, menyusun budget Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
Perseroan, serta menyusun Rencana Bisnis dan Rencana Aksi Berkelanjutan Perseroan.
Keuangan Berkelanjutan.
Together with other Directors, developing policies and Setting policies related to the Company’s technical reserves and targets with other
determining the amount of technical reserves, preparing the members of the Board of Directors, including the preparation of the Company’s
Company’s budget, and preparing the Business Plan and Business Plan and Sustainable Finance Action Plan.
Sustainable Finance Action Plan.
Choi Hyunhee
Wakil Presiden Direktur
Vice President Director
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Wakil Presiden Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan
mengenai tugas dan wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Vice
the Company’s Articles of Association. President Director based on Article 19 of the Company’s Articles of Association
regarding the duties and authorities of the Board of Directors properly.
Bersama dengan Presiden Direktur dan jajaran Direksi untuk
menyusun Visi, Misi, dan Nilai-Nilai Perseroan, serta target Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
jangka panjang dan jangka pendek Perseroan. serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan
secara tahunan kepada Otoritas Jasa Keuangan.
Together with the President Director and Board of Directors,
developing the Company’s Vision, Mission, and Values, as well Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
as the Company’s long-term and short-term targets. as well as preparing long-term, medium-term, and short-term programs as outlined
in the Company’s Business Plan which has been reported annually to the Financial
Bertanggung jawab dalam pencapaian target Perseroan. Services Authority.
Responsible for achieving Company targets.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 223
Page 226
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Berkoordinasi dengan Headquarters untuk mewujudkan Visi Berkoordinasi dengan Headquarters secara berkala untuk memastikan pencapaian
dan Misi Perseroan serta tujuan bisnis. Perseroan berjalan sesuai dengan target yang diharapkan oleh Headquarters dan
bersinergi untuk implementasi berbagai strategi pencapaian target.
Coordinating with Headquarters to realize the Company’s Coordinating with Headquarters on a regular basis to ensure the Company’s
Vision and Mission and business objectives. achievements are in line with the targets expected by Headquarters and synergizing for
the implementation of various strategies to achieve targets.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating with employees about the Company’s Establishing positive communication with employees through Town Hall Work Meetings,
business direction in order to achieve the Company’s Vision Coordination Meetings, and other meetings to discuss the Company’s business
and Mission. direction in order to achieve the Company’s Vision and Mission.
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Effectively and efficiently managing the resources owned, Developing employee competencies through various programs for employee
including ensuring that the available HR have the qualifications self-development, such as scholarships for employees, various technical and soft
and competencies to carry out their functions. skills training programs to support efforts to enhance employee competencies and
development.
Bersama dengan anggota Direksi lainnya, menyusun dan
melaksanakan Sistem Manajemen Risiko yang mencakup
seluruh aspek kegiatan Perseroan, termasuk dalam
penggunaan Teknologi Informasi. Melakukan penyempurnaan penerapan Sistem Manajemen Risiko pada lingkup
Sistem Manajemen Mutu dan Sistem Manajemen Keamanan Informasi, termasuk
Together with other members of the Board of Directors, pengembangan fungsi Enterprise Risk Management, pemantauan berkala implementasi
developing and implementing a Risk Management System manajemen risiko, serta peningkatan budaya risiko melalui program internal secara
that covers all aspects of the Company’s activities, including berkelanjutan.
the use of Information Technology.
Enhancing the implementation of an integrated Risk Management System in the
Bersama dengan anggota Direksi lainnya, bertanggung scope of Quality Management System and Information Security Management System,
jawab atas efektivitas Sistem Manajemen Mutu dan Sistem including the development of the Enterprise Risk Management function, periodic
Manajemen Keamanan Informasi. monitoring of risk management implementation, and strengthening the risk culture
through continuous internal programs.
Together with other members of the Board of Directors,
responsible for the effectiveness of Quality Management
System and Information Security Management System.
Bersama dengan anggota Direksi lainnya, merancang dan
Menyusun dan mengevaluasi strategi Perseroan yang selaras dengan target jangka
menganalisis strategi jangka pendek, jangka menengah, dan
panjang, serta mengkomunikasikan perkembangan dan arah strategis perusahaan
jangka panjang untuk mencapai tujuan Perseroan dan kinerja
kepada Headquarters guna mendukung peningkatan kinerja yang berkelanjutan.
yang optimal.
Together with other members of the Board of Directors,
Formulating and evaluating the Company’s strategy in alignment with long-term
designing and analyzing short-term, medium-term, and
targets, as well as communicating the Company’s progress and strategic direction to
long-term strategies to achieve the Company’s objectives and
Headquarters to support sustainable performance improvement.
optimal performance.
Melaksanakan tata kelola perusahaan yang baik dan
prinsip kehati-hatian sesuai dengan proyeksi bisnis dan
perkembangan industri asuransi, serta memastikan efektivitas
tata kelola perusahaan yang baik dan audit internal, termasuk
kepatuhan terhadap hukum dan peraturan yang berlaku.
Implementing good corporate governance and prudential
Menyusun Laporan Tata Kelola Perusahaan yang Baik, termasuk Good Corporate
principles in accordance with business projections and
Governance Self-Assessment Checklist, yang dilaporkan secara tahunan kepada
the development of insurance industry, and ensuring
Otoritas Jasa Keuangan.
the effectiveness of good corporate governance and internal
audit, including compliance with applicable laws and Preparing the Good Corporate Governance Report, including the Good Corporate
regulations. Governance Self-Assessment Checklist, which is reported annually to the Financial
Services Authority.
Bersama dengan anggota Direksi lainnya, menyusun rencana
tindakan, menetapkan arah Perseroan dan kebijakan sesuai
dengan hukum dan peraturan yang berlaku.
Together with other members of the Board of Directors,
developing action plans, setting the Company’s direction and
policies in accordance with applicable laws and regulations.
224 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 227
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Bersama dengan anggota Direksi lainnya menyusun kebijakan, Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
menetapkan jumlah cadangan teknis, menyusun budget Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
Perseroan, serta menyusun Rencana Bisnis, dan Rencana Aksi Berkelanjutan Perseroan.
Keuangan Berkelanjutan sesuai dengan target Perseroan.
Together with other Directors, developing policies and Establishing policies related to the Company’s technical reserves and targets with
determining the amount of technical reserves, preparing other members of the Board of Directors, including the preparation of the Company’s
the Company’s budget, and preparing the Business Plan and Business Plan and Sustainable Finance Action Plan.
Sustainable Finance Action Plan.
Gilbert Deddy Naibaho
Direktur Operasional
Director of Operation
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai tugas dan
wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Director
the Company’s Articles of Association. based on Article 19 of the Company’s Articles of Association regarding the duties and
authorities of the Board of Directors properly.
Bersama dengan anggota Direksi lainnya, menyusun Visi, Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
Misi, dan Nilai-Nilai Perseroan serta target jangka panjang dan serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
jangka pendek Perseroan. sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan
secara tahunan kepada Otoritas Jasa Keuangan, khususnya terkait dengan strategi
Together with other members of the Board of Directors, operasional dan pengembangan produk asuransi Perseroan.
developing the Company’s Vision, Mission, and Values as well
as the Company’s long-term and short-term targets. Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
as well as preparing long-term, medium-term, and short-term programs as outlined
Bertanggung jawab dalam pencapaian target Perseroan. in the Company’s Business Plan which has been reported annually to the Financial
Responsible for achieving Company targets. Services Authority, particularly related to the Company’s operational strategy and
insurance product development.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating to employees about the Company’s business Establishing positive communication with employees through Town Hall, Work
direction in order to achieve the Company’s Vision and Meetings, Coordination Meetings, and other meetings to discuss the Company’s
Mission. business direction in order to achieve the Company’s Vision and Mission.
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri, karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies by opening various opportunities for self
ensuring that available HR have the qualifications and development, various technical and soft skills training programs to support efforts to
competencies to perform their functions. enhance employee competencies and development.
Bersama dengan anggota Direksi lainnya, menyusun dan
melaksanakan Sistem Manajemen Risiko yang mencakup
seluruh aspek kegiatan Perseroan, khususnya terkait direktorat
yang dipimpin.
Together with other members of the Board of Directors,
developing and implementing a Risk Management System
that covers all aspects of the Company’s activities, particularly
those related to the directorate led.
Menetapkan dan memastikan sistem, prosedur, dan kebijakan Memastikan kegiatan operasional Perseroan yang berada di bawah lingkup
di unit kerja yang dibawahi sesuai dengan hukum, peraturan, wewenangnya berjalan sesuai dengan penerapan Sistem Manajemen Risiko pada
dan regulasi yang berlaku, dengan tujuan memenuhi lingkup Sistem Manajemen Mutu dan Sistem Manajemen Keamanan Informasi.
kebutuhan bisnis dan pertumbuhan Perseroan.
Ensuring the Company’s operational activities under the scope of its authority run
Establishing and ensuring systems, procedures, and policies in accordance with the implementation of Risk Management System in the scope of
in the work units under his supervision are in accordance Quality Management System and Information Security Management System.
with applicable laws, rules, and regulations, with the aim of
meeting the business needs and growth of the Company.
Bersama dengan anggota Direksi lainnya, bertanggung
jawab atas efektivitas Sistem Manajemen Mutu dan Sistem
Manajemen Keamanan Informasi.
Together with other members of the Board of Directors,
responsible for the effectiveness of Quality Management
System and Information Security Management System.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 225
Page 228
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengidentifikasi area dan rencana perbaikan di area Melakukan identifikasi dan menentukan arah perbaikan (action plan) untuk peningkatan
yang dipimpin serta mengimplementasikan sistem untuk sistem operasional Perseroan sehingga dapat meningkatkan customer experience.
meningkatkan efektivitas Perseroan.
Identifying areas and plans for improvement in the areas led Identifying and determining the direction of improvement (action plan) to improve
and implementing systems to improve the effectiveness of the Company’s operational system so as to improve customer experience.
the Company.
Memantau dan mengevaluasi kualitas layanan yang diberikan
kepada nasabah serta merespons umpan balik nasabah.
Monitoring and evaluating the quality of service provided to
customers and responding to customer feedback.
Mengelola beban kerja tim untuk memenuhi tujuan dan Melakukan penilaian kinerja secara periodik terhadap setiap departemen di Direktorat
tenggat waktu sesuai dengan kebutuhan bisnis. yang dipimpin.
Managing team workload to meet objectives and deadlines Performing periodic performance assessment of each departement in the Directorate
according to business needs. under his leadership.
Bersama dengan Direktur Keuangan dan Administrasi Mengevaluasi berbagai kebijakan yang berkaitan dengan produktivitas, efektivitas, dan
mengembangkan kebijakan yang berkaitan dengan efisiensi, khususnya terkait area operasional sehingga dapat mendorong pencapaian
produktivitas, efektivitas, dan efisiensi. target bottom line.
Together with the Director of Finance and Administration, Evaluating various policies related to productivity, effectiveness, and efficiency,
developing policies relating to productivity, effectiveness, and especially related to operational areas so as to encourage the achievement of
efficiency. bottom-line targets.
Bersama dengan anggota Direksi lainnya, menyusun Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
kebijakan, menetapkan jumlah cadangan teknis, menyusun Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
budget Perseroan, serta menyusun Rencana Bisnis dan Berkelanjutan Perseroan.
Rencana Aksi Keuangan Berkelanjutan sesuai dengan target
Perseroan.
Together with other members of the Board of Directors, Establishing policies related to the Company’s technical reserves and targets with
developing policies, determining the amount of technical other members of the Board of Directors, including the preparation of the Company’s
reserves, preparing the Company’s budget, and preparing Business Plan and Sustainable Finance Action Plan.
the Business Plan and Sustainable Finance Action Plan in
accordance with the Company’s targets.
Kwon Gi Han
Direktur Keuangan dan Administrasi
Director of Finance and Administration
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai tugas dan
wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Director
the Company’s Articles of Association. based on Article 19 of the Company’s Articles of Association regarding the duties and
authorities of the Board of Directors properly.
Bersama dengan anggota Direksi lainnya menyusun Visi, Misi, Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
dan Nilai-Nilai Perseroan serta target jangka panjang dan serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
jangka pendek Perseroan. sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan
secara tahunan kepada Otoritas Jasa Keuangan, khususnya terkait dengan strategi
pengelolaan keuangan dan investasi Perseroan.
Together with other members of the Board of Directors, Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
developing the Company’s Vision, Mission, and Values as well as well as preparing long-term, medium-term, and short-term programs as outlined
as the Company’s long-term and short-term targets. in the Company’s Business Plan which has been reported annually to the Financial
Services Authority, particularly related to the Company’s financial and investment
Bertanggung jawab dalam pencapaian target Perseroan.
management strategies.
Responsible for achieving Company targets.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating to employees about the Company’s business Establishing positive communication with employees through Town Hall, Work
direction in order to achieve the Company’s Vision and Meetings, Coordination Meetings, and other meetings to discuss the Company’s
Mission. business direction in order to achieve the Company’s Vision and Mission.
226 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 229
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies by providing various opportunities for
ensuring that available HR have the qualifications and self-development, various technical and soft skills training programs to support efforts
competencies to perform their functions. to enhance employee competencies and development.
Bersama dengan anggota Direksi lainnya, menyusun dan Memastikan kegiatan operasional Perseroan yang berada di bawah lingkup
melaksanakan Sistem Manajemen Risiko yang mencakup wewenangnya berjalan sesuai dengan penerapan Sistem Manajemen Risiko pada
aspek kegiatan Perseroan, khususnya terkait Direktorat yang lingkup Sistem Manajemen Mutu dan Sistem Manajemen Keamanan Informasi.
dipimpin.
Together with other members of the Board of Directors, Ensuring the Company’s operational activities under the scope of its authority run
compiling and implementing a Risk Management System that in accordance with the implementation of Risk Management System in the scope of
covers aspects of the Company’s activities, especially related Quality Management System and Information Security Management System.
to the Directorates they lead.
Menetapkan dan memastikan sistem, prosedur, dan kebijakan
di unit kerja yang dibawahi sesuai dengan hukum, peraturan,
dan regulasi yang berlaku, dengan tujuan memenuhi
kebutuhan bisnis dan pertumbuhan Perseroan.
Establishing and ensuring systems, procedures, and policies
in the work unit under his supervision are in accordance
with applicable laws, rules, and regulations, with the aim of
meeting the business needs and growth of the Company.
Bersama dengan anggota Direksi lainnya, bertanggung
jawab atas efektivitas Sistem Manajemen Mutu dan Sistem
Manajemen Keamanan Informasi.
Together with other members of the Board of Directors,
responsible for the effectiveness of Quality Management
System and Information Security Management System.
Menjaga stabilitas kinerja keuangan Perseroan sebagaimana Menjaga stabilitas kinerja keuangan Perseroan melalui penetapan kebijakan-kebijakan
terlihat dalam rasio antara kewajiban dan aset Perseroan. yang telah mempertimbangkan hasil penelaahan terhadap rasio keuangan pada
Laporan Keuangan Perseroan. Pada tahun 2025, rasio profitabilitas, likuiditas, dan
solvabilitas secara umum berada pada posisi yang lebih baik dibandingkan dengan
periode sebelumnya.
Maintaining the Company’s financial performance stability Maintaining the Company’s financial performance stability through establishment of
that can be seen in the ratio between the Company’s liabilities policies that have considered the results of financial ratio review in the Company’s
and assets. Financial Statements. In 2025, profitability, liquidity, and solvency ratios were generally
in a better position compared to those of the previous period.
Meminimalkan risiko keuangan dengan menjaga kondisi Melakukan identifikasi, pengukuran, pengendalian, dan pemantauan risiko keuangan
keuangan dan manajemen Perseroan sejalan dengan hukum bersama dengan Komite Manajemen Risiko dan diawasi oleh Komite Pemantau Risiko
dan peraturan lainnya yang berlaku. dalam rangka pengelolaan likuiditas dan kas yang baik dan Penerapan Prinsip Tata
Kelola Perusahaan yang Baik serta pengembangan Kebijakan Pengelolaan Keuangan
yang Berkelanjutan.
Minimizing financial risk by maintaining the Company’s Identifying, measuring, controlling, and monitoring financial risks together with
financial condition and management in line with applicable the Risk Management Committee and supervised by the Risk Oversight Committee in
laws and regulations. the context of good liquidity and cash management and the implementation of Good
Corporate Governance Principles as well as the development of Sustainable Finance
Management Policies.
Menganalisis iklim keuangan dan tren pasar yang bertujuan Menyusun serta menerapkan kebijakan investasi yang hati-hati dan terdiversifikasi,
untuk menyusun strategi dan kebijakan terkait investasi, serta pengelolaan risiko yang efektif, membuat keputusan investasi yang berkelanjutan
alokasi, dan divestasi (apabila ada) serta bertanggung jawab dengan bekerja sama dengan Komite Investasi. Sepanjang tahun 2025, strategi investasi
terhadap fungsi investasi Perseroan. Perseroan dijalankan sesuai dengan rencana pengelolaan investasi tahun 2025.
Analyzing the financial climate and market trends for Developing and implementing prudent and diversified investment policies, as well as
the purpose of developing strategies and policies related effective risk management, making sustainable investment decisions in cooperation
to investment, allocation, and divestment (if any) and is with the Investment Committee. Throughout 2025, the Company’s investment strategy
responsible for the Company’s investment function. was carried out in accordance with the 2025 investment management plan.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 227
Page 230
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memastikan bahwa Laporan Keuangan dan laporan aktuaris Melakukan koordinasi dengan Sekretaris Perusahaan untuk memastikan bahwa Laporan
Perseroan tersedia tepat waktu untuk pihak eksternal dan Keuangan telah tersedia dan disampaikan dengan tepat waktu ke regulator asuransi,
badan-badan pemerintah sehubungan dengan kegiatan yaitu Otoritas Jasa Keuangan dan regulator di bidang pasar modal, yaitu PT Bursa Efek
Perseroan. Indonesia, termasuk dengan laporan publikasi Laporan Keuangan di media iklan yang
disampaikan melalui sistem pelaporan IDX e-reporting.
Ensuring that the Company’s Financial Statements and Coordinating with the Corporate Secretary to ensure that the Financial Statements
actuary reports are made available in a timely manner to are available and submitted in a timely manner to the insurance regulator, namely
external parties and government bodies in relation to the the Financial Services Authority, and the capital market regulator, namely
Company’s activities. PT Bursa Efek Indonesia, including the publication of Financial Statements in advertising
media submitted through IDX e-reporting system.
Bertanggung jawab terhadap pelaksanaan penerapan Memastikan pelaksanaan penerapan PSAK 117 (74) pada Perseroan telah berjalan
PSAK 117 (74) pada Perseroan. sesuai dengan ketentuan regulasi yang berlaku.
Responsible for the implementation of PSAK 117 (74) in Ensuring the implementation of PSAK 117 (74) in the Company has been running in
the Company. accordance with the applicable regulatory provisions.
Bertanggung jawab dalam proses rating Perseroan. Menjalankan proses rating Perseroan sesuai dengan timeline yang telah ditetapkan dan
menginformasikan hasil rating Perseroan kepada jajaran Manajemen dan Headquarter.
Responsible for the Company’s rating process. Performing the Company’s rating process in accordance with the established timeline
and informing the Company’s rating results to the Management and Headquarter.
Bersama dengan anggota Direksi lainnya, menyusun Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
kebijakan, menetapkan jumlah cadangan teknis, menyusun Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
budget Perseroan, serta menyusun Rencana Bisnis dan Berkelanjutan Perseroan.
Rencana Aksi Keuangan Berkelanjutan sesuai dengan target
Perseroan.
Together with other members of the Board of Directors, Establishing policies related to the Company’s technical reserves and targets with
formulating policies, determining the amount of technical other members of the Board of Directors, including the preparation of the Company’s
reserves, preparing the Company’s budget, and preparing Business Plan and Sustainable Finance Action Plan.
the Business Plan and Sustainable Finance Action Plan in
accordance with the Company’s targets.
Direktur Komersial
Director of Commercial
(Fungsi ini dijabat oleh Choi Hyunhee)
(This function is held by Choi Hyunhee)
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai tugas dan
wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Director
the Company’s Articles of Association. based on Article 19 of the Company’s Articles of Association regarding the duties and
authorities of the Board of Directors properly.
Bersama dengan anggota Direksi lainnya, menyusun Visi, Misi, Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
dan Nilai-Nilai Perseroan serta target jangka panjang dan serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
jangka pendek Perseroan. sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan
secara tahunan kepada Otoritas Jasa Keuangan, khususnya terkait dengan strategi
pengelolaan pemasaran dan penjualan produk-produk asuransi Perseroan.
Together with other members of the Board of Directors, Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
developing the Company’s Vision, Mission, and Values as well as well as preparing long-term, medium-term, and short-term programs as outlined
as the Company’s long-term and short-term targets. in the Company’s Business Plan which has been reported annually to the Financial
Services Authority, particularly related to marketing management strategies and sales
Bertanggung jawab dalam pencapaian target Perseroan.
of the Company’s insurance products.
Responsible for achieving Company targets.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating to employees about the Company’s business Establishing positive communication with employees through Town Hall, Work
direction in order to achieve the Company’s Vision and Meetings, Coordination Meetings, and other meetings to discuss the Company’s
Mission. business direction in order to achieve the Company’s Vision and Mission.
228 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 231
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies by opening various opportunities for
ensuring that available HR have the qualifications and self-development, various technical and soft skills training programs to support efforts
competencies to perform their functions. to enhance employee competencies and development.
Bersama dengan seluruh jajaran Direksi, menyusun dan Memastikan kegiatan operasional Perseroan yang berada di bawah lingkup
melaksanakan Sistem Manajemen Risiko yang mencakup wewenangnya berjalan sesuai dengan penerapan Sistem Manajemen Risiko pada
seluruh aspek kegiatan Perseroan, khususnya terkait Direktorat lingkup Sistem Manajemen Mutu dan Sistem Manajemen Keamanan Informasi.
yang dipimpin.
Together with other members of the Board of Directors, Ensuring the Company’s operational activities under the scope of its authority run
developing and implementing a Risk Management System in accordance with the implementation of Risk Management System in the scope of
that covers all aspects of the Company’s activities, particularly Quality Management System and Information Security Management System.
those related to the Directorate led.
Menetapkan dan memastikan sistem, prosedur, dan kebijakan
di unit kerja yang dibawahi sesuai dengan hukum, peraturan,
dan regulasi yang berlaku, dengan tujuan memenuhi
kebutuhan bisnis dan pertumbuhan Perseroan.
Establishing and ensuring systems, procedures, and policies
in the work units under his supervision are in accordance
with applicable laws, rules, and regulations, with the aim of
meeting the business needs and growth of the Company.
Memetakan berbagai strategi bisnis untuk pengembangan Merancang strategi bisnis untuk mendorong pengembangan usaha melalui diversifikasi
saluran distribusi penjualan (Agen, Direct, Broker, Institusi sumber bisnis, dengan fokus pada penguatan lini Property & Casualty, Motor Insurance,
keuangan, dan lainnya) sesuai dengan target Perseroan. Marine & Cargo, dan Corporate Health Insurance Product, guna meningkatkan
pencapaian target top line dan bottom line Perseroan.
Mapping out various business strategies for the development Designing business strategies to drive business development through the diversification
of sales distribution channels (Agent, Direct, Broker, Financial of business sources, with a focus on strengthening the Property & Casualty, Motor
Institution, etc.) in accordance with the Company’s target. Insurance, Marine & Cargo, and Corporate Health Insurance lines, to increase
the achievement of the Company’s top and bottom-line targets.
Bertanggung jawab untuk pertumbuhan bisnis Asuransi
Umum dan Asuransi Kesehatan Individu maupun Corporate.
Responsible for the growth of Individual and Corporate
General Insurance and Health Insurance business.
Mencari terobosan-terobosan dan strategi untuk
pengembangan saluran, pengembangan bisnis retail, dan
bisnis baru lainnya yang sesuai dengan kebutuhan pasar.
Searching for breakthroughs and strategies for channel
development, retail business development, and other new
businesses in accordance with market needs.
Mengawasi dan bertanggung jawab untuk pengelolaan serta Perseroan secara berkala mengevaluasi pengelolaan dan pengembangan bisnis
pengembangan bisnis Kantor Cabang dan Kantor Pemasaran. di Kantor Cabang.
Overseeing and responsible for the management and business The Company regularly evaluates the management and business development of
development of Branch Offices and Marketing Offices. Branch Offices.
Merancang, menganalisis, dan menetapkan pangsa pasar Meluncurkan produk yang inovatif guna mendukung peningkatan penetrasi pasar. Pada
serta strategi pemasaran yang akan dipergunakan untuk tahun 2025, Perseroan mengembangkan produk baru My Travel Protection – Asuransi
mencapai target dan mengoptimalkan kinerja pemasaran Aneka sebagai bagian dari strategi penguatan portofolio produk. Secara keseluruhan,
Perseroan. Perseroan mencatat pertumbuhan jumlah polis sebesar 88,31%.
Designing, analyzing, and determining market share and Launching innovative products to support increased market penetration. In 2025,
marketing strategies that will be used to achieve targets and the Company developed a new product, My Travel Protection – Miscellaneous
optimize the Company’s marketing performance. Insurance, as part of its strategy to strengthen the product portfolio. Overall, the
Company recorded policy growth of 88.31%.
Mengembangkan berbagai produk yang inovatif dan mampu
mendukung keberlanjutan untuk meningkatkan penetrasi
pasar sesuai dengan target Perseroan.
Developing innovative and sustainable products to increase
market penetration in line with the Company’s target.
Menetapkan laju dan produk yang akan dipasarkan.
Determining the pace and products to be marketed.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 229
Page 232
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Bersama dengan anggota Direksi lainnya, menyusun Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
kebijakan, menetapkan jumlah cadangan teknis, menyusun Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
budget Perseroan, serta menyusun Rencana Bisnis dan Berkelanjutan Perseroan.
Rencana Aksi Keuangan Berkelanjutan sesuai dengan target
Perseroan.
Together with other members of the Board of Directors, Establishing policies related to the Company’s technical reserves and targets with
developing policies, determining the amount of technical other members of the Board of Directors, including the preparation of the Company’s
reserves, preparing the Company’s budget, and preparing Business Plan and Sustainable Finance Action Plan.
the Business Plan and Sustainable Finance Action Plan in
accordance with the Company’s targets.
Direktur Strategi
Director of Strategy
(Fungsi ini dijabat oleh Choi Hyunhee)
(This function is held by Choi Hyunhee)
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai tugas dan
wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Director
the Company’s Articles of Association. based on Article 19 of the Company’s Articles of Association regarding the duties and
authorities of the Board of Directors properly.
Bersama dengan anggota Direksi lainnya, menyusun Visi, Misi, Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
dan Nilai-Nilai Perseroan serta target jangka panjang dan serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
jangka pendek Perseroan. sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan
secara tahunan kepada Otoritas Jasa Keuangan, khususnya terkait dengan keputusan-
keputusan strategis Perseroan.
Together with other members of the Board of Directors, Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
developing the Company’s Vision, Mission, and Values as well as well as preparing long-term, medium-term, and short-term programs as outlined
as the Company’s long-term and short-term targets. in the Company’s Business Plan which has been reported annually to the Financial
Services Authority, especially related to the Company’s strategic decisions.
Bertanggung jawab dalam pencapaian target Perseroan.
Responsible for achieving Company targets.
Memastikan komunikasi kepada karyawan mengenai arah Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
bisnis Perseroan dalam rangka pencapaian Visi dan Misi Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
Perseroan tersampaikan dengan baik. pencapaian Visi dan Misi Perseroan.
Ensuring that communication to employees regarding Establishing positive communication with employees through Town Hall, Work
the Company’s business direction in order to achieve Meetings, Coordination Meetings, and other meetings to discuss the Company’s
the Company’s Vision and Mission is well conveyed. business direction in order to achieve the Company’s Vision and Mission.
Berkoordinasi dengan jajaran Direksi untuk menyusun strategi Menyusun dan mengevaluasi strategi Perseroan yang selaras dengan target jangka
Perseroan, monitor, dan evaluasi rencana bisnis jangka panjang, serta mengkomunikasikan perkembangan dan arah strategis perusahaan
panjang dan jangka pendek untuk Perseroan. kepada Headquarters guna mendukung peningkatan kinerja yang berkelanjutan.
Coordinating with the Board of Directors to develop Developing and evaluating the Company’s strategy in alignment with long-term targets,
the Company’s strategy, monitoring, and evaluating as well as communicating the Company’s developments and strategic direction to
the long-term and short-term business plans for the Company. Headquarters to support sustainable performance improvement.
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies through various employee development programs,
ensuring that available HR have the qualifications and including technical and soft skills training programs aimed at enhancing employee
competencies to perform their functions. capabilities and professional development.
Bersama dengan anggota Direksi lainnya, menyusun dan Memastikan kegiatan operasional Perseroan yang berada di bawah lingkup
melaksanakan Sistem Manajemen Risiko yang mencakup wewenangnya berjalan sesuai dengan penerapan Sistem Manajemen Risiko pada
seluruh aspek kegiatan Perseroan, khususnya terkait Direktorat lingkup Sistem Manajemen Mutu dan Sistem Manajemen Keamanan Informasi.
yang dipimpin.
Together with other members of the Board of Directors, Ensuring the Company’s operational activities under the scope of its authority run
developing and implementing a Risk Management System in accordance with the implementation of Risk Management System in the scope of
that covers all aspects of the Company’s activities, particularly Quality Management System and Information Security Management System.
those related to the Directorate led.
230 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 233
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menetapkan dan memastikan sistem, prosedur, dan kebijakan Memastikan setiap strategi dan rencana bisnis Perseroan selalu mematuhi setiap
di unit kerja yang dibawahi sesuai dengan hukum, peraturan, regulasi dan hukum yang berlaku.
dan regulasi yang berlaku, dengan tujuan memenuhi
kebutuhan bisnis dan pertumbuhan Perseroan.
Establishing and ensuring systems, procedures, and policies Ensuring that the Company’s strategies and business plans always comply with all
in the work unit under his supervision are in accordance applicable regulations and laws.
with applicable laws, rules, and regulations, with the aim of
meeting the business needs and growth of the Company.
Bekerja sama dengan Direktur Kepatuhan untuk memastikan
bahwa strategi dan tindakan Perseroan selalu mematuhi
regulasi dan hukum yang berlaku.
Cooperating with the Director of Compliance to ensure that
the Company’s strategies and actions always comply with
applicable regulations and laws.
Memastikan bahwa komunikasi kepada semua pemangku Menjalin komunikasi positif dengan kepada semua pemangku kepentingan melalui
kepentingan, termasuk tim eksekutif, karyawan, dan pihak luar Town Hall, Rapat Kerja, Rapat Koordinasi, dan rapat lainnya untuk memastikan strategi
terkait strategi Perseroan tersampaikan dengan baik dan tepat Perseroan tersampaikan dengan baik dan tepat sasaran.
sasaran.
Ensuring that communication to all stakeholders, including Establishing positive communication with all stakeholders through Town Hall, Work
the executive team, employees, and external parties regarding Meetings, Coordination Meetings, and other meetings to ensure the Company’s
the Company’s strategy is well conveyed and targeted. strategy is well conveyed and on target.
Mengidentifikasi peluang dan memantau tren industri, pasar, Mengidentifikasi peluang dan tren pasar guna memastikan strategi Perseroan tetap
dan persaingan untuk memastikan bahwa strategi Perseroan relevan dengan kebutuhan pasar. Pada tahun 2025, inisiatif digital menjadi salah satu
tetap relevan. pilar dalam pencapaian target Perseroan yang mencakup pengembangan produk
digital dan aplikasi pendukung produk. Perseroan mengembangkan bisnis ritel melalui
peluncuran aplikasi MyPro Plus sebagai platform digital yang mendukung aktivitas
penjualan dan distribusi.
Identifying opportunities and monitoring industry, market, Identifying market opportunities and trends to ensure that the Company’s strategy
and competitive trends to ensure that the Company’s strategy remains aligned with market needs. In 2025, digital initiatives became one of the
remains relevant. key pillars in achieving the Company’s targets, including the development of digital
products and supporting applications. The Company also expanded its retail business
Terlibat dalam proses pengembangan produk dan layanan through the launch of the MyPro Plus application as a digital platform supporting sales
baru atau penyempurnaan yang sesuai dengan Visi dan and distribution activities.
strategi Perseroan.
Involved in the process of developing new or improved
products and services that are in line with the Company’s
Vision and strategy.
Menetapkan rencana pengembangan Teknologi Informasi Melakukan penilaian kinerja secara periodik terhadap Divisi Information System &
dan kebijakan terkait penggunaan dan penyelenggaraan Technology (IST). Sepanjang tahun 2025, Divisi IST telah menjalankan tugas dan
Teknologi Informasi sesuai dengan strategi Perseroan. tanggung jawab dalam mendukung secara penuh kegiatan bisnis dan operasional yang
berkaitan dengan peningkatan pelayanan digital kepada para pemangku kepentingan
melalui pengembangan aplikasi, pengembangan kompetensi SDM, dan peningkatan
keamanan data.
Establishing an Information Technology development plan and Performing periodic performance assessment of the Information System & Technology
policies related to the use and implementation of Information (IST) Division. Throughout 2025, the IST Division carried out its duties and responsibilities
Technology in accordance with the Company’s strategy. in fully supporting business and operational activities related to improving digital
services to stakeholders through the development of applications, the development of
HR competencies, and the enhancement of data security.
Bersama dengan anggota Direksi lainnya, menyusun Menetapkan kebijakan terkait kebijakan cadangan teknis dan target Perseroan bersama
kebijakan, menetapkan jumlah cadangan teknis, menyusun anggota Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi
budget Perseroan, serta menyusun Rencana Bisnis dan Keuangan Berkelanjutan Perseroan.
Rencana Aksi Keuangan Berkelanjutan sesuai dengan target
Perseroan.
Together with other members of the Board of Directors, Establishing policies related to the Company’s technical reserve policies and targets with
developing policies, determining the amount of technical other members of the Board of Directors, including the preparation of the Company’s
reserves, preparing the Company’s budget, and preparing Business Plan and Sustainable Finance Action Plan.
the Business Plan and Sustainable Finance Action Plan in
accordance with the Company’s targets.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 231
Page 234
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Direktur Kepatuhan
Director of Compliance
(Fungsi ini dijabat oleh Presiden Direktur)
(This function is held by the President Director)
Memenuhi tugas dan tanggung jawab sesuai dengan Melaksanakan berbagai kegiatan dalam rangka memenuhi tugas dan tanggung jawab
Anggaran Dasar Perseroan. sebagai Direktur berdasarkan Pasal 19 Anggaran Dasar Perseroan mengenai tugas dan
wewenang Direksi dengan baik.
Fulfilling duties and responsibilities in accordance with Performing various activities in order to fulfill the duties and responsibilities as Director
the Company’s Articles of Association. based on Article 19 of the Company’s Articles of Association regarding the duties and
authorities of the Board of Directors properly.
Bersama dengan anggota Direksi lainnya, menyusun Visi, Misi, Membantu Presiden Direktur dalam mengevaluasi Visi, Misi, dan Nilai-Nilai Perseroan
dan Nilai-Nilai Perseroan serta target jangka panjang dan serta menyusun program jangka panjang, jangka menengah, dan jangka pendek
jangka pendek Perseroan. sebagaimana dituangkan dalam Rencana Bisnis Perseroan yang telah dilaporkan secara
tahunan kepada Otoritas Jasa Keuangan, khususnya terkait dengan aspek kepatuhan
Together with other members of the Board of Directors, Perseroan terhadap peraturan dan regulasi yang berlaku.
developing the Company’s Vision, Mission, and Values as well
as the Company’s long-term and short-term targets. Assisting the President Director in evaluating the Company’s Vision, Mission, and Values
as well as preparing long-term, medium-term, and short-term programs as outlined
Bertanggung jawab dalam pencapaian target Perseroan. in the Company’s Business Plan which has been reported annually to the Financial
Responsible for achieving Company targets. Services Authority, particularly related to aspects of the Company’s compliance with
applicable rules and regulations.
Mengomunikasikan kepada karyawan mengenai arah bisnis Menjalin komunikasi positif dengan karyawan melalui Town Hall, Rapat Kerja, Rapat
Perseroan dalam rangka pencapaian Visi dan Misi Perseroan. Koordinasi, dan rapat lainnya untuk membahas arah bisnis Perseroan dalam rangka
pencapaian Visi dan Misi Perseroan.
Communicating to employees about the Company’s business Establishing positive communication with employees through Town Hall, Work
direction in order to achieve the Company’s Vision and Meetings, Coordination Meetings, and other meetings to discuss the Company’s
Mission. business direction in order to achieve the Company’s Vision and Mission.
Mengelola sumber daya yang dimiliki secara efektif dan Mengembangkan kompetensi karyawan melalui berbagai program untuk
efisien, termasuk memastikan SDM yang tersedia memiliki pengembangan diri karyawan, berbagai program pelatihan teknis dan soft skills untuk
kualifikasi dan kompetensi untuk menjalankan fungsinya. mendorong upaya peningkatan kompetensi dan pengembangan karyawan.
Managing resources effectively and efficiently, including Developing employee competencies through various employee development programs,
ensuring that available HR have the qualifications and as well as technical and soft skills training programs, to support efforts to enhance
competencies to carry out their functions. employee competencies and foster their professional growth.
Bersama dengan anggota Direksi lainnya, menyusun dan
melaksanakan Sistem Manajemen Risiko yang mencakup
seluruh aspek kegiatan Perseroan termasuk dalam
penggunaan Teknologi Informasi.
Melakukan penyempurnaan penerapan Sistem Manajemen Risiko yang terintegrasi
Together with other members of the Board of Directors, dalam kerangka Sistem Manajemen Mutu dan Keamanan Informasi, termasuk
developing and implementing a Risk Management System pengembangan fungsi Enterprise Risk Management, pemantauan berkala implementasi
that covers all aspects of the Company’s activities including manajemen risiko, serta peningkatan budaya risiko melalui program internal secara
the use of Information Technology. berkelanjutan.
Menetapkan dan memastikan sistem, prosedur, dan kebijakan Enhancing the implementation of an integrated Risk Management System within
di unit kerja yang dibawahi sesuai dengan hukum, peraturan, the framework of the Quality Management and Information Security Management
dan regulasi yang berlaku, dengan tujuan memenuhi Systems, including the development of the Enterprise Risk Management function,
kebutuhan bisnis dan pertumbuhan Perseroan. periodic monitoring of risk management implementation, and strengthening the risk
culture through continuous internal programs.
Establishing and ensuring systems, procedures, and policies
in the work units under his supervision are in accordance
with applicable laws, rules, and regulations, with the aim of
meeting the business needs and growth of the Company.
Mengidentifikasi area dan rencana perbaikan di area
yang dipimpin serta mengimplementasikan sistem untuk
meningkatkan efektivitas Perseroan.
Identifying areas and plans for improvement in the areas led Melakukan identifikasi dan menentukan arah perbaikan (action plan) untuk peningkatan
and implementing systems to improve the effectiveness of sistem kepatuhan Perseroan sehingga Perseroan dapat menjalankan bisnis sesuai
the Company. dengan ketentuan regulator dan perundang-undangan yang berlaku.
Memastikan kepatuhan Perseroan terhadap semua peraturan Identifying and determining the direction of improvement (action plan) to increase
perundangan dan peraturan lainnya, terutama sebagai the Company’s compliance system so that the Company can conduct business in
Perseroan asuransi publik, dalam menjalankan kegiatan usaha. accordance with the provisions of regulators and applicable laws.
Ensuring the Company’s compliance with all laws and
regulations, especially as a public insurance Company, in
carrying out business activities.
232 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memberikan rekomendasi terkait kebijakan maupun strategi, Merekomendasikan arah strategi atau kebijakan yang berkaitan dengan kepatuhan
khususnya yang berkaitan dengan kepatuhan, sehingga sehingga Perseroan dapat menjalankan bisnis sesuai dengan peraturan dan
Perseroan menjalankan bisnis sesuai dengan peraturan dan perundangan yang berlaku.
perundangan yang berlaku.
Providing recommendations regarding policies and strategies, Recommending strategic direction or policies related to compliance so that
especially those related to compliance, so that the Company the Company can conduct business in accordance with applicable laws and regulations.
conducts business in accordance with applicable laws and
regulations.
Menyusun langkah-langkah dalam mendukung terciptanya Mengambil langkah-langkah strategis untuk membangun dan memperkuat budaya
budaya kepatuhan pada seluruh kegiatan operasional. kepatuhan melalui:
1. Pelaksanaan sosialisasi internal terkait penerapan budaya kepatuhan; serta
2. Pemenuhan seluruh persyaratan sesuai dengan ketentuan peraturan perundang-
undangan yang berlaku.
Developing measures to support the creation of a compliance Implementing strategic measures to build and strengthen a compliance culture through:
culture in all operational activities. 1. Conducting internal awareness campaigns regarding the implementation of a culture
of compliance; and
2. Ensuring full compliance with all requirements under applicable laws and regulations.
Melakukan review berkala terhadap kebijakan, ketentuan,
sistem, maupun prosedur yang dimiliki oleh Perseroan
sehingga sesuai dengan ketentuan perundang-undangan.
Conducting periodic reviews of policies, provisions, systems,
and procedures owned by the Company so that they are in
Melakukan evaluasi terhadap kebijakan, ketentuan, sistem, maupun prosedur yang
accordance with laws and regulations.
dimiliki oleh Perseroan secara berkala dan berkesinambungan sesuai dengan ketentuan
Melakukan identifikasi, monitoring, dan pengendalian perundang-undangan yang berlaku.
terhadap risiko kepatuhan dengan mengacu pada peraturan
Evaluating the policies, provisions, systems, and procedures owned by the Company
dan perundang-undangan mengenai penerapan manajemen
periodically and continuously in accordance with applicable laws and regulations.
risiko bagi perusahaan perasuransian.
Identifying, monitoring, and controling compliance
risk by referring to the rules and regulations regarding
the implementation of risk management for insurance
companies.
Memastikan setiap prosedur dan/atau kebijakan operasional Manajemen memastikan keberlanjutan penerapan standar sistem manajemen
sesuai dengan standar Sistem Manajemen Mutu dan Sistem melalui perpanjangan sertifikasi ISO 9001 (Sistem Manajemen Mutu) dan ISO 27001
Manajemen Keamanan Informasi (ISO 9001, ISO 27001). (Sistem Manajemen Keamanan Informasi).
Ensuring every procedure and/or operational policy is in Management ensures the continued implementation of management system
accordance with the standards of Quality Management standards through the renewal of ISO 9001 (Quality Management System) and
System and Information Security Management System ISO 27001 (Information Security Management System) certifications.
(ISO 9001, ISO 27001).
Bersama dengan anggota Direksi lainnya, menyusun Menetapkan kebijakan terkait cadangan teknis dan target Perseroan bersama anggota
kebijakan, menetapkan jumlah cadangan teknis, menyusun Direksi lainnya, termasuk penyusunan Rencana Bisnis dan Rencana Aksi Keuangan
budget Perseroan, serta menyusun Rencana Bisnis dan Berkelanjutan Perseroan.
Rencana Aksi Keuangan Berkelanjutan sesuai dengan target
Perseroan.
Together with other members of the Board of Directors, Establishing policies related to the Company’s technical reserves and targets with
developing policies, determining the amount of technical other members of the Board of Directors, including the preparation of the Company’s
reserves, preparing the Company’s budget, and preparing Business Plan and Sustainable Finance Action Plan.
the Business Plan and Sustainable Finance Action Plan in
accordance with the Company’s targets.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 233
Page 236
Tata Kelola Perusahaan
Rapat Meeting
Direksi menyelenggarakan rapat di mana rapat internal The Board of Directors holds meetings, where internal
diselenggarakan paling sedikit 1 kali dalam setiap bulan dan meetings are held at least once a month and joint meetings
rapat gabungan dengan Dewan Komisaris diadakan minimal with the Board of Commissioners are held at least 4 times
4 kali dalam setahun. Direksi juga dapat mengundang a year. The Board of Directors may also invite officials at one
pejabat setingkat di bawah Direksi untuk mengikuti rapat level below the Board of Directors to attend such meetings,
tersebut, apabila diperlukan. Selain itu, Direksi diwajibkan as deemed necessary. In addition, the Board of Directors
untuk menghadiri pelaksanaan RUPS, baik Tahunan maupun is required to attend GMS, both Annual and Extraordinary,
Luar Biasa, sebagai bentuk partisipasi aktif dalam proses as a form of active participation in the Company’s strategic
pengambilan keputusan strategis Perseroan. decision-making process.
Sepanjang tahun 2025, Direksi secara aktif menjalankan Throughout 2025, the Board of Directors actively carried out
perannya melalui penyelenggaraan 19 kali rapat dan 14 kali its roles by holding 19 meetings and 14 joint meetings with
rapat gabungan dengan Dewan Komisaris. Adapun tingkat the Board of Commissioners. The attendance rate at each of
kehadiran dalam setiap rapat tersebut tercatat sebagai these meetings was recorded as follows.
berikut.
Rapat Gabungan dengan
Rapat Internal Direksi Dewan Komisaris Kehadiran dalam RUPS
Board of Directors Internal Meeting Joint Meeting with Attendance at the GMS
the Board of Commissioners
Nama Jabatan
Tingkat Tingkat RUPS
Name Position RUPS Luar
Jumlah Jumlah Kehadiran Jumlah Jumlah Kehadiran Tahunan
Biasa 2025
Kehadiran Rapat Kehadiran Rapat 2025
Total Total 2025
Total Total Attendance Total Total Attendance 2025
Extraordinary
Attendance Meeting Attendance Meeting Annual
(%) (%) GMS
GMS
Agus Presiden
Benjamin Direktur
19 19 100,00 14 14 100,00
President
Director
Choi Wakil Presiden
Hyunhee Direktur
19 19 100,00 14 14 100,00
Vice President
Director
Kwon Gi Han Direktur
19 19 100,00 14 14 100,00
Director
Gilbert Direktur
Deddy Director 19 19 100,00 14 14 100,00
Naibaho
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi Direksi merupakan aspek Competency development for the Board of Directors is
krusial dalam memastikan tata kelola perusahaan yang a crucial aspect of ensuring effective and sustainable
efektif dan berkelanjutan. Proses ini melibatkan peningkatan corporate governance. This process involves enhancing
pengetahuan, keterampilan, dan pemahaman mendalam knowledge, skills, and in-depth understanding of
terkait peran dan tanggung jawab strategis yang harus the strategic roles and responsibilities that must be carried
dijalankan oleh Direksi dalam mengawasi dan memberikan out by the Board of Directors in supervising and providing
arahan kepada manajemen. Seluruh rangkaian kegiatan direction to management. The entire series of competency
pengembangan kompetensi ini dikelola, dikoordinasikan, development activities is managed, coordinated, and
dan didokumentasikan secara sistematis oleh Departemen systematically documented by the Talent Management
Talent Management, sehingga setiap program pelatihan, Department, ensuring that each training program, workshop,
workshop, dan evaluasi kompetensi dapat berjalan secara and competency evaluation is conducted in a structured
terstruktur dan terukur. Dengan bantuan Departemen Talent and measurable manner. With the support of the Talent
234 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Management, Direksi dapat terus meningkatkan kapabilitas Management Department, the Board of Directors is able
dalam analisis risiko, pemahaman regulasi, dan strategi bisnis to continuously strengthen its capabilities in risk analysis,
yang dinamis sesuai perkembangan industri dan lingkungan regulatory understanding, and dynamic business strategy
eksternal. Informasi mengenai kegiatan pengembangan in line with developments in the industry and the external
kompetensi yang diikuti oleh Direksi sepanjang tahun 2025 environment. Information on the competency development
diuraikan sebagai berikut. activities attended by the Board of Directors throughout
2025 is outlined below.
Nama Jabatan Topik Pengembangan Kompetensi Tempat dan Waktu Penyelenggara
Name Position Competency Development Subject Venue and Time Organizer
Agus Presiden Direktur Webinar, 21 April 2025
Integrating Strategy and Risk Management. GRC Management
Benjamin President Director Webinar, April 21st, 2025
Health Talk : Understanding Low Back Pain: Causes, Webinar, 12 Juni 2025 Internal LGI
Risk Factors, and Early Prevention. Webinar, June 12th, 2025 LGI’s Internal
Lembaga Sertifikasi
Masterclass Program Series XXIV: Mitigasi Risiko Profesi Manajemen
dalam Transformasi Digital. Risiko (LSPMR)
Webinar, 3 Juli 2025
Risk Management
Masterclass Program Series XXIV: Risk Mitigation in Webinar, July 3rd, 2025
Professional
Digital Transformation Certification Agency
(LSPMR)
4th AON Reinsurance Solutions Asia Leaders Event AON Milan Office, 30 Juli 2025
AON
2025. AON Milan Office, July 30th, 2025
Asosiasi Asuransi
Bali, 15 Oktober 2025
AAUI - Indonesia Rendezvouz. Umum Indonesia
Bali, October 15th, 2025
(AAUI)
Choi Wakil Presiden Enterprise Risk
RiskHub - Securing the Unseen: Data, Threats, and Webinar, 30 April 2025
Hyunhee Direktur Management
the Future of Cyber Risk Management. Webinar, April 30th, 2025
Vice President Academy (ERMA)
Director Singapura, 3 Juni 2025
ITC Asia 2025 - Singapore. ITC Asia
Singapore, June 3rd, 2025
MAIPARK Knowledge Exchange - Norwegian Natural Norwegia, 19 Agustus 2025
MAIPARK
Perils Pool. Norway, August 19th, 2025
Yogyakarta, 6 Oktober 2025
The 3rd OJK International Research Forum (IRF 3). OJK
Yogyakarta, October 6th, 2025
Bali, 15 Oktober 2025
AAUI - Indonesia Rendezvouz. AAUI
Bali, October 15th, 2025
Singapore
The 21st Singapore International Reinsurance Singapura, 3 November 2025
Reinsurance
Conference. Singapore, November 3rd, 2025
Association
Kwon Gi Direktur Sustainability Accounting and Reporting in Financial Webinar, 6 Maret 2025
OJK
Han Director Sector. Webinar, March 6th, 2025
Gilbert Direktur Webinar, 21 April 2025
Integrating Strategy and Risk Management. GRC Management
Deddy Director Webinar, April 21st, 2025
Naibaho
2nd AON Reinsurance Solution Asia - Advance AON Paris Office, 23 Juli 2025
AON
Solutions Event 2025. AON Paris Office, July 23rd, 2025
Singapura, 24 September 2025 Insurinnovator
Insurinnovator Connect Asia 2025.
Singapore, September 24th, 2025 Connect Asia
Indonesia Re Treaty Forum 2025 in Collaboration Batam, 2 Oktober 2025
Indonesia Re
with AON. Batam, October 2nd, 2025
Bali, 15 Oktober 2025
AAUI - Indonesia Rendezvouz. AAUI
Bali, October 15th, 2025
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 235
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Tata Kelola Perusahaan
Orientasi bagi Direktur Baru Orientation for New Directors
Perseroan menyadari pentingnya proses orientasi bagi The Company recognizes the importance of an orientation
anggota Direksi baru sebagai langkah awal untuk memastikan process for newly appointed members of the Board of Directors
pemahaman yang menyeluruh tentang Visi, Misi, struktur as an initial step to ensure a comprehensive understanding of
organisasi, dan tata kelola perusahaan yang berlaku. the Company’s Vision, and Mission, organizational structure,
Dengan komitmen yang kuat, Perseroan menyelenggarakan and applicable corporate governance framework. With
program orientasi yang dirancang secara khusus untuk a strong commitment, the Company designs and conducts an
memberikan informasi mendalam mengenai peran dan orientation program specifically structured to provide in-depth
tanggung jawab Direksi, kebijakan internal, dan dinamika information on the roles and responsibilities of the Board of
operasional Perseroan. Melalui orientasi ini, anggota Direksi Directors, internal policies, and the Company’s operational
baru dapat lebih cepat beradaptasi dan berkontribusi secara dynamics. Through this orientation, newly appointed members
efektif dalam pengambilan keputusan strategis, sekaligus of the Board of Directors are able to adapt more quickly and
memahami ekspektasi yang diemban dalam mengawasi dan contribute effectively to strategic decision-making, while also
memberikan arahan kepada Direksi. Sepanjang tahun 2025, understanding the expectations associated with overseeing
Perseroan tidak melaksanakan program orientasi kepada and providing direction to Directors. Throughout 2025,
anggota Direksi karena tidak terdapat anggota Direksi yang the Company did not conduct an orientation program for
baru menjabat. members of the Board of Directors, as there were no newly
appointed members of the Board of Directors during the year.
Penilaian Kinerja Direksi
Performance Assessment of the Board of Directors
Prosedur dan Pihak yang Melakukan Penilaian
Assessment Procedure and the Assessor
Penilaian kinerja Direksi dilakukan secara mandiri oleh Direksi yang The Board of Directors’ performance assessment is conducted
mengacu pada Pedoman dan Tata Tertib Kerja Direksi serta penilaian independently by the Board of Directors which refers to the Board of
yang dilakukan secara umum oleh Dewan Komisaris bersama dengan Directors Work Guidelines and Rules as well as the general assessment
Komite Remunerasi dan Nominasi. Penilaian tersebut dilakukan terhadap conducted by the Board of Commissioners with the Remuneration
Key Performance Indicator (KPI) yang telah ditentukan dan disetujui oleh and Nomination Committee. The assessment is conducted against
masing-masing anggota Direksi. predetermined Key Performance Indicators (KPI) that have been
approved by each member of the Board of Directors.
Kriteria Penilaian
Assessment Criteria
1. Kriteria yang telah disepakati Direksi serta Komite Remunerasi 1. Criteria that have been agreed upon by the Board of Directors and
dan Nominasi di awal tahun buku (Rencana Kerja dan Anggaran the Remuneration and Nomination Committee at the beginning of
Tahunan) maupun di awal periode jabatan (Rencana Jangka Panjang the financial year (Annual Work Plan and Budget) and at
Perseroan); the beginning of the office term (Company Long-Term Plan);
2. Tingkat kehadiran dalam rapat internal dan rapat gabungan dengan 2. Level of attendance in internal meetings and joint meetings with
Dewan Komisaris; the Board of Commissioners;
3. Pencapaian pelaksanaan tugas dan tanggung jawab; 3. Achievement of the implementation of duties and responsibilities;
4. Kepatuhan terhadap perundang-undangan yang berlaku serta 4. Compliance with applicable laws and regulations as well as
kebijakan Perseroan; serta Company policies; and
5. Komitmen dalam penerapan prinsip-prinsip GCG di Perseroan. 5. Commitment to the implementation of GCG principles.
236 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Hasil Penilaian
Assessment Result
Berdasarkan prosedur dan kriteria penilaian kinerja melalui mekanisme Based on the procedures and criteria for performance assessment
self-assessment, Direksi memperoleh hasil evaluasi dengan kategori through a self-assessment mechanism, the Board of Directors obtained
baik pada tahun buku 2025. Hasil penilaian tersebut mencerminkan a good evaluation result for the 2025 financial year. The results reflect
efektivitas Direksi dalam menjalankan fungsi pengurusan Perseroan the effectiveness of the Board of Directors in carrying out the Company’s
secara profesional, patuh terhadap peraturan perundang-undangan management functions professionally, in compliance with applicable
yang berlaku, Anggaran Dasar, serta prinsip-prinsip GCG. laws and regulations, Articles of Association, and GCG principles.
Sepanjang tahun pelaporan, Direksi dinilai berhasil mengelola kegiatan Throughout the reporting year, the Board of Directors was deemed
operasional dan keuangan Perseroan secara optimal, sehingga mampu successful in managing the Company’s operational and financial
menjaga kesinambungan usaha dan meningkatkan nilai Perseroan bagi activities optimally, thereby maintaining business continuity and
Pemegang Saham. Selain itu, Direksi telah menyusun dan menyajikan enhancing the Company’s value for Shareholders. In addition, the Board
Laporan Keuangan tahun buku 2025 secara akurat dan transparan, serta of Directors prepared and presented the 2025 Financial Statements
memastikan keandalan informasi keuangan sebagai dasar pengambilan accurately and transparently, as well as ensured the reliability of financial
keputusan manajerial dan strategis. information as a basis for managerial and strategic decision-making.
Direksi juga telah menetapkan dan mengimplementasikan Rencana The Board of Directors also formulated and implemented the Company’s
Bisnis Perseroan yang mencakup rencana kerja jangka pendek, Business Plan, which encompasses short-term, medium-term, and
menengah, dan panjang, termasuk penyusunan Anggaran Tahunan long-term work plans, including the preparation of the Annual Budget
serta Rencana Aksi Keuangan Berkelanjutan (Sustainable Finance Action and the Sustainable Finance Action Plan. The execution of these
Plan). Pelaksanaan strategi tersebut didukung oleh penguatan sistem strategies was supported by strengthening the internal control system,
pengendalian internal, penerapan manajemen risiko yang terintegrasi, implementing integrated risk management, and consistently applying
serta konsistensi penerapan prinsip GCG, sehingga kegiatan operasional GCG principles, thereby enabling the Company’s operations to be
Perseroan dapat berjalan secara prudent dan selaras dengan conducted prudently and in alignment with the interests of Shareholders
kepentingan Pemegang Saham dan pemangku kepentingan lainnya. and other stakeholders.
Penilaian Kinerja Organ Pendukung Performance Assessment of
the Supporting Organs
Prosedur dan Pihak yang Melakukan Penilaian Assessment Procedure and the Assessor
Penilaian kinerja organ pendukung Direksi dilakukan Performance assessment of the supporting organs of
oleh Direktur secara periodik setiap akhir tahun dengan the Board of Directors is periodically conducted by relevant
memperhatikan pencapaian pelaksanaan tugas dan Director at the end of the year by taking into account
tanggung jawab anggota organ pendukung Direksi tersebut. the achievement of the implementation of the duties and
responsibilities by members of the supporting organs.
Kriteria Penilaian Assessment Criteria
Kriteria yang digunakan dalam penilaian kinerja, di antaranya The criteria used in the performance assessment among
adalah realisasi tugas masing-masing organ pendukung, others are the realization of the duties of each supporting
serta tingkat kehadiran dalam rapat internal. organ, as well as the level of attendance at internal meetings.
Hasil Penilaian Assessment Result
Sepanjang tahun 2025, Direktur telah melakukan penilaian Throughout 2025, the Directors conducted performance
terhadap kinerja organ pendukung Direksi dan menunjukkan evaluations of the Board of Directors' supporting organs and
hasil yang baik. Adapun hasil penilaian masing-masing organ demonstrated positive results. The evaluation results for each
secara lebih jelas diuraikan sebagai berikut. supporting organ are further described as follows.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 237
Page 240
Tata Kelola Perusahaan
Komite Investasi
1
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Komite Investasi telah menjalankan fungsi pengawasan
dan pengambilan keputusan investasi secara efektif. Komite Investasi dinilai memberikan kontribusi yang signifikan
dalam mengoptimalkan pengelolaan portofolio investasi Perseroan serta mendukung pencapaian target imbal hasil
yang selaras dengan kebijakan dan profil risiko Perseroan.
Investment Committee
The results of the performance evaluation for the 2025 financial year indicate that the Investment Committee
effectively carried out its oversight and investment decision-making functions. The Committee was assessed as making
a significant contribution to optimizing the management of the Company’s investment portfolio and supporting the
achievement of return targets aligned with the Company’s investment policies and risk profile.
Komite Pengembangan Produk
2
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Komite Pengembangan Produk telah menjalankan
perannya secara efektif dalam menginisiasi dan mengawasi pengembangan serta peluncuran produk baru secara
inovatif dan tepat waktu. Peran tersebut dinilai berkontribusi positif dalam mendukung peningkatan daya saing
Perseroan serta kualitas layanan dan kepuasan nasabah.
Product Development Committee
The results of the performance evaluation for the 2025 financial year indicate that the Product Development Committee
effectively performed its role in initiating and overseeing the development and timely launch of new products in an
innovative manner. This role was assessed as contributing positively to enhancing the Company’s competitiveness,
service quality, and customers’ satisfaction.
Komite Medis
3
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Komite Medis telah menjalankan perannya secara
efektif dalam memastikan kualitas layanan medis serta kepatuhan terhadap standar dan ketentuan kesehatan yang
berlaku. Pelaksanaan peran tersebut dinilai memberikan dampak positif terhadap pelayanan kesehatan nasabah serta
penguatan reputasi Perseroan.
Medical Committee
The results of the performance evaluation for the 2025 financial year indicate that the Medical Committee effectively
carried out its role in ensuring the quality of medical services and compliance with applicable healthcare standards
and regulations. The implementation of this role was assessed as having a positive impact on customer healthcare
services and strengthening the Company’s reputation.
Komite Pengarah Teknologi Informasi
4
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Komite Pengarah Teknologi Informasi telah menjalankan
perannya secara efektif dalam mengarahkan strategi teknologi informasi Perseroan. Peran tersebut mencakup
penguatan infrastruktur digital serta peningkatan keamanan dan efisiensi operasional guna mendukung keberlanjutan
dan kinerja usaha Perseroan.
Information Technology Steering Committee
The results of the performance evaluation for the 2025 financial year indicate that the Information Technology
Steering Committee effectively carried out its role in directing the Company’s information technology strategy. This
role included strengthening digital infrastructure as well as enhancing security and operational efficiency to support
the Company’s sustainability and business performance.
Komite Manajemen Risiko
5
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Komite Manajemen Risiko telah menjalankan perannya
secara efektif dalam mengidentifikasi, mengendalikan, dan memitigasi risiko-risiko utama Perseroan. Pelaksanaan
fungsi tersebut dinilai berkontribusi dalam memperkuat ketahanan organisasi Perseroan dalam menghadapi dinamika
dan tantangan bisnis.
Risk Management Committee
The results of the performance evaluation for the 2025 financial year indicate that the Risk Management Committee
effectively carried out its role in identifying, controlling, and mitigating the Company’s key risks. The implementation
of this function was assessed as contributing to strengthening the Company’s organizational resilience in responding
to business dynamics and challenges.
238 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
APU PPT & PPPSPM
6
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa fungsi APU PPT & PPPSPM telah dijalankan secara efektif
dalam pencegahan dan penanggulangan tindak pidana pencucian uang dan pendanaan terorisme. Pelaksanaan
fungsi tersebut dinilai menunjukkan tingkat kepatuhan yang tinggi serta peningkatan efektivitas pengawasan sesuai
dengan ketentuan peraturan perundang-undangan yang berlaku.
AML - CFT & CPF
The results of the performance evaluation for the 2025 financial year indicate that the AML - CFT & CPF function was
implemented effectively in preventing and combating money laundering and terrorism financing. The implementation
of this function demonstrated a high level of compliance and enhanced supervisory effectiveness in accordance with
applicable laws and regulations.
Unit Anti-Fraud
7
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Anti-Fraud telah menjalankan perannya secara
efektif dalam mengidentifikasi dan menangani potensi fraud secara proaktif. Pelaksanaan fungsi tersebut dinilai
berkontribusi dalam menekan risiko kerugian serta menjaga integritas operasional dan tata kelola Perseroan.
Anti-Fraud Unit
The results of the performance evaluation for the 2025 financial year indicate that the Anti-Fraud Unit effectively
carried out its role in proactively identifying and addressing potential fraud. The implementation of this function was
assessed as contributing to reducing the risk of losses and safeguarding the integrity of the Company’s operations
and governance.
Unit Pelindungan Konsumen dan Masyarakat
8
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Pelindungan Konsumen dan Masyarakat telah
menjalankan perannya secara aktif dalam melindungi hak-hak nasabah. Pelaksanaan fungsi tersebut tercermin
melalui penanganan pengaduan yang responsif dan transparan, sehingga berkontribusi dalam meningkatkan tingkat
kepuasan serta kepercayaan nasabah terhadap Perseroan.
Consumer and Public Protection Unit
The results of the performance evaluation for the 2025 financial year indicate that the Consumer and Public Protection
Unit actively carried out its role in protecting customer rights. The implementation of this function was reflected in
responsive and transparent complaint handling, thereby contributing to increased customer satisfaction and trust in
the Company.
Unit Corporate Social Responsibility
9
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Corporate Social Responsibility telah menjalankan
program tanggung jawab sosial secara efektif dan berkelanjutan. Pelaksanaan program tersebut dinilai memberikan
dampak positif bagi lingkungan dan masyarakat sekitar, sekaligus memperkuat citra Perseroan sebagai entitas yang
peduli dan bertanggung jawab.
Corporate Social Responsibility Unit
The results of the performance evaluation for the 2025 financial year indicate that the Corporate Social Responsibility
Unit effectively and sustainably implemented social responsibility programs. These programs were assessed as having
a positive impact on the environment and surrounding communities, while also strengthening the Company’s image
as a caring and responsible entity.
Unit Edukasi Literasi dan Inklusi Keuangan
10
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Edukasi Literasi dan Inklusi Keuangan telah
menjalankan perannya secara efektif dalam meningkatkan pemahaman masyarakat terhadap produk dan layanan
keuangan Perseroan. Pelaksanaan kegiatan edukasi tersebut dinilai turut memperluas akses masyarakat terhadap
layanan keuangan, sehingga mendukung upaya peningkatan inklusi keuangan secara berkelanjutan.
Financial Literacy and Inclusion Education Unit
The results of the performance evaluation for the 2025 financial year indicate that the Financial Literacy and Inclusion
Education Unit effectively carried out its role in enhancing public understanding of the Company’s financial products
and services. The implementation of these educational activities was assessed as contributing to broader public
access to financial services and supporting sustainable financial inclusion efforts.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 239
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Tata Kelola Perusahaan
Unit Asset & Liability Management
11 Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Asset & Liability Management telah menjalankan
fungsinya secara efektif dalam mengelola aset dan kewajiban Perseroan. Pelaksanaan fungsi tersebut dinilai mampu
menjaga keseimbangan antara likuiditas dan profitabilitas secara berkelanjutan, serta mendukung stabilitas keuangan
Perseroan.
Asset & Liability Management Unit
The results of the performance evaluation for the 2025 financial year indicate that the Asset & Liability Management
Unit effectively carried out its function in managing the Company’s assets and liabilities. The implementation of this
function was assessed as maintaining a sustainable balance between liquidity and profitability, while supporting
the Company’s financial stability.
Unit Aksi Keuangan Berkelanjutan
12
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Aksi Keuangan Berkelanjutan telah menjalankan
perannya secara efektif dalam mengintegrasikan prinsip keberlanjutan ke dalam kebijakan dan operasional keuangan
Perseroan. Pelaksanaan fungsi tersebut dinilai mendukung pertumbuhan bisnis yang memperhatikan aspek lingkungan
dan sosial secara berkelanjutan.
Sustainable Financial Action Unit
The results of the performance evaluation for the 2025 financial year indicate that the Sustainable Finance Action Unit
effectively carried out its role in integrating sustainability principles into the Company’s financial policies and operations.
The implementation of these functions is considered to support business growth while taking environmental and social
aspects into account in a sustainable manner.
Unit Pelindungan Data Pribadi
13
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Pelindungan Data Pribadi telah menjalankan
perannya secara efektif dalam menjaga keamanan dan kerahasiaan data nasabah. Pelaksanaan fungsi tersebut dinilai
memastikan tingkat kepatuhan yang tinggi terhadap ketentuan peraturan perundang-undangan terkait pelindungan
data pribadi serta mendukung kepercayaan pemangku kepentingan terhadap Perseroan.
Personal Data Protection Unit
The results of the performance evaluation for the 2025 financial year indicate that the Personal Data Protection Unit
effectively carried out its role in safeguarding the security and confidentiality of customer data. The implementation of
this function was assessed as ensuring a high level of compliance with applicable personal data protection regulations
and supporting stakeholders’ trust in the Company.
Sekretaris Perusahaan
14
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Sekretaris Perusahaan telah menjalankan fungsi tata
kelola dan komunikasi eksternal secara profesional. Pelaksanaan fungsi tersebut dinilai mendukung penerapan
transparansi dan akuntabilitas Perseroan serta memperkuat hubungan dengan pemangku kepentingan.
Corporate Secretary
The results of the performance evaluation for the 2025 financial year indicate that the Corporate Secretary effectively
carried out corporate governance and external communication functions in a professional manner. The implementation
of this function was assessed as supporting transparency and accountability within the Company and strengthening
relationships with stakeholders.
Unit Audit Internal
15
Hasil penilaian kinerja tahun buku 2025 menunjukkan bahwa Unit Audit Internal telah menjalankan fungsinya secara
efektif dalam melakukan pemeriksaan dan evaluasi atas proses bisnis Perseroan. Pelaksanaan fungsi tersebut dinilai
menghasilkan rekomendasi perbaikan yang konstruktif guna mendukung peningkatan kinerja serta kepatuhan
Perseroan terhadap ketentuan yang berlaku.
Internal Audit Unit
The results of the performance evaluation for the 2025 financial year indicate that the Internal Audit Unit effectively
carried out its function in conducting audits and evaluations of the Company’s business processes. The implementation
of this function was assessed as generating constructive improvement recommendations to support enhanced
performance and compliance with applicable regulations.
240 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 241
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Tata Kelola Perusahaan
Remunerasi Dewan Komisaris dan Direksi
Board of Commissioners and Board of Directors Remuneration
Kebijakan dan Prosedur Penetapan Policies and Procedures for Determining
Remunerasi Dewan Komisaris dan Direksi the Remuneration for the Board of
Commissioners and the Board of
Directors
Kebijakan dan prosedur penetapan remunerasi The policies and procedures for determining the remuneration
Dewan Komisaris dan Direksi merupakan seperangkat of the Board of Commissioners and Board of Directors
aturan dan mekanisme yang dirancang untuk menentukan comprise a set of rules and measures designed to establish
besaran serta bentuk remunerasi secara adil, transparan, fair, transparent, and accountable levels and forms of
dan akuntabel bagi anggota Dewan Komisaris dan Direksi. compensation for members of the Board of Commissioners
Kebijakan ini bertujuan memastikan bahwa remunerasi and Board of Directors. These policies aim to ensure that
yang diberikan sejalan dengan tanggung jawab, kontribusi, the remuneration granted is aligned with the responsibilities,
dan kinerja masing-masing anggota, serta memperhatikan contributions, and performance of each member, while also
prinsip-prinsip GCG. considering the GCG principles.
Proses penetapan remunerasi dilakukan melalui mekanisme The remuneration determination process is carried out
yang melibatkan evaluasi secara berkala serta persetujuan through a mechanism that involves periodic evaluations as
dari Pemegang Saham melalui RUPS atau berdasarkan well as approval from the Shareholders through the GMS
rekomendasi Komite Remunerasi dan Nominasi. Mekanisme or based on the recommendation of the Remuneration and
ini bertujuan untuk menjaga objektivitas, transparansi, dan Nomination Committee. This mechanism aims to maintain
meminimalkan potensi konflik kepentingan. objectivity, transparency, and minimize potential conflicts of
interest.
Dengan demikian, kebijakan dan prosedur tersebut menjadi Accordingly, these policies and procedures serve as an
landasan penting dalam membangun sistem remunerasi important foundation in establishing a remuneration system
yang mendukung keberlanjutan usaha serta pencapaian that supports business sustainability and the achievement of
tujuan jangka panjang Perseroan. the Company’s long-term objectives.
Prosedur Pemberian Remunerasi Remuneration Procedure
Perseroan memiliki prosedur dalam memberikan remunerasi The Company has established procedures for granting
kepada Dewan Komisaris dan Direksi yang diuraikan sebagai remuneration to the Board of Commissioners and Board of
berikut. Directors, which are outlined below.
1 2 3
Pemegang Saham mendelegasikan Dewan Komisaris akan menelaah Dewan Komisaris akan menetapkan
kewenangan distribusi remunerasi kinerja Direksi berdasarkan pencapaian struktur dan besaran remunerasi
Dewan Komisaris dan Direksi Perseroan dengan mempertimbangkan yang akan diberikan kepada anggota
kepada Dewan Komisaris. rekomendasi dari Komite Remunerasi Dewan Komisaris dan Direksi.
dan Nominasi.
The Shareholders delegate The Board of Commissioners will The Board of Commissioners will
the authority to distribute review the performance of the Board determine the structure and amount of
the remuneration of the Board of of Directors based on the Company’s remuneration to be given to numbers
Commissioners and Board of Directors achievements by considering of the Board of Commissioners and
to the Board of Commissioners. the recommendations from the Board of Directors.
the Remuneration and Nomination
Committee.
242 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Struktur Remunerasi Dewan Komisaris Remuneration Structure for the Board of
dan Direksi Commissioners and Board of Directors
Perseroan menerapkan kebijakan remunerasi bagi The Company implements a remuneration policy for
Dewan Komisaris dan Direksi yang dirancang secara the Board of Commissioners and Board of Directors that is
kompetitif dan sejalan dengan praktik GCG. Kebijakan designed to be competitive and aligned with Good Corporate
remunerasi bagi Dewan Komisaris dan Direksi dirancang Governance (GCG) practices. The remuneration policy for
untuk mendukung pencapaian kinerja Perseroan secara both the Board of Commissioners and Board of Directors
berkelanjutan. is structured to support the sustainable achievement of the
Company’s performance.
Remunerasi Dewan Komisaris dan Direksi terdiri dari The remuneration of the Board of Commissioners consists
honorarium dan Tunjangan Hari Raya sesuai dengan of honorarium and holiday allowances in accordance with
ketentuan yang berlaku. Sementara itu, remunerasi Direksi the applicable regulations. Meanwhile, the remuneration
terdiri dari gaji pokok, tunjangan jabatan, fasilitas kendaraan, of the Board of Directors consists of basic salary, position
bonus kinerja, Tunjangan Hari Raya, dan fasilitas lainnya. allowances, vehicle facilities, performance bonuses,
Perseroan juga menyediakan perlindungan melalui program holiday allowances, and other facilities. The Company also
jaminan sosial ketenagakerjaan dan kesehatan sesuai dengan provides protection through employment social security and
ketentuan yang berlaku. health insurance programs in accordance with applicable
regulations.
Struktur remunerasi tersebut mempertimbangkan kinerja The remuneration structure takes into account the Company’s
Perseroan, tanggung jawab jawaban, dan praktik remunerasi performance, scope of responsibilities, and competitive
yang kompetitif di industri. remuneration practices within the industry.
Informasi mengenai besaran remunerasi Dewan Komisaris Detailed information on remuneration received by the Board
dan Direksi sepanjang tahun 2025 secara lebih lengkap of Commissioners and Board of Directors throughout 2025
diuraikan sebagai berikut. is presented below.
Jumlah Remunerasi per Orang dalam 1 Tahun*) Jumlah Direksi Jumlah Dewan Komisaris
Total Remuneration per Person in 1 Year *) Board of Directors Board of Commissioners
Di atas Rp2 miliar
4 -
Above Rp2 billion
Di atas Rp1 miliar s.d Rp2 miliar
- -
Above Rp1 billion up to Rp2 billion
Di atas Rp500 juta s.d Rp1 miliar
- 1
Above Rp500 million up to Rp1 billion
Rp500 juta ke bawah
- 6
Rp500 million and below
*)
Yang diminta secara tunai. / Paid in cash
Hubungan antara Remunerasi dengan Relationship between Remuneration and
Kinerja dan Risiko Perseroan Company Performance and Risk
Hubungan antara remunerasi dengan kinerja dan risiko The relationship between remuneration and the Company’s
Perseroan merupakan aspek penting dalam GCG. Remunerasi performance and risk profile is a key aspect of GCG.
yang dirancang secara tepat dan proporsional tidak hanya A well-designed and proportional remuneration system not
mendorong pencapaian target kinerja yang optimal, tetapi only encourages the achievement of optimal performance
juga mengintegrasikan insentif untuk pengelolaan risiko targets, but also integrates incentives for prudent risk
secara bijak. Dengan demikian, struktur remunerasi harus management. Accordingly, the remuneration structure should
mencerminkan keseimbangan antara mendorong performa reflect a balance between promoting high performance and
tinggi dan memastikan pengambilan risiko yang terkendali, ensuring controlled risk-taking, thereby maintaining business
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 243
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Tata Kelola Perusahaan sehingga dapat menjaga keberlanjutan bisnis dan melindungi sustainability and protecting the interests of stakeholders kepentingan pemangku kepentingan secara keseluruhan. as a whole. This approach ensures that any remuneration Pendekatan ini memastikan bahwa setiap penghargaan provided to members of the Board of Commissioners and yang diberikan kepada Dewan Komisaris dan Direksi selaras Board of Directors is aligned with the results achieved and dengan hasil yang dicapai serta risiko yang dihadapi oleh the risks borne by the Company. Perseroan. Hubungan Afiliasi Dewan Komisaris dan Direksi Board of Commissioners and Board of Directors Affiliated Relationship Dalam menjalankan prinsip GCG, transparansi mengenai In implementing GCG principles, transparency regarding hubungan afiliasi antara anggota Dewan Komisaris, Direksi, affiliated relationships among members of the Board of dan pihak-pihak terkait menjadi hal yang penting untuk Commissioners, Board of Directors, and related parties dijaga. Hubungan afiliasi, baik dalam bentuk hubungan is essential. Affiliated relationships, whether in the form of keuangan maupun hubungan keluarga, berpotensi financial or familial relationships, may potentially cause menimbulkan konflik kepentingan yang dapat memengaruhi conflicts of interest that could affect the objectivity of objektivitas pengambilan keputusan. Oleh karena itu, decision-making. Therefore, the Company is responsible for Perseroan memiliki tanggung jawab untuk secara terbuka openly disclosing any affiliations, including share ownership, melaporkan setiap bentuk afiliasi yang terjadi, termasuk di financial relationships, and familial ties, with fellow members dalamnya kepemilikan saham, keterkaitan finansial, dan of the Board of Commissioners, Board of Directors, ikatan keluarga dengan sesama anggota Dewan Komisaris, or Controlling Shareholders. Direksi, maupun Pemegang Saham Pengendali. Sebagai bagian dari komitmen terhadap keterbukaan As part of its commitment to information transparency, informasi, Perseroan menyampaikan informasi mengenai the Company discloses information regarding affiliation hubungan afiliasi dalam Laporan Tahunan apabila terdapat relationships in the Annual Report when members have anggota yang memiliki keterkaitan tersebut. Berdasarkan such relationships. Based on the disclosures and verification hasil pengungkapan dan verifikasi yang dilakukan hingga conducted as of the end of 2025, all members of akhir tahun 2025, seluruh anggota Dewan Komisaris dan the Company’s Board of Commissioners and Board of Direksi Perseroan tidak memiliki hubungan keuangan Directors do not have financial or family relationships with maupun hubungan keluarga dengan anggota lainnya atau other members or with the Controlling Shareholder. Any dengan Pemegang Saham Pengendali. Adapun kepemilikan share ownership by members of the Board of Directors in saham oleh anggota Direksi yang ada di Perseroan telah the Company has been transparently disclosed through diungkapkan secara transparan melalui laporan kepemilikan share ownership reports submitted periodically to regulators saham yang disampaikan secara berkala kepada regulator and the public, and does not result in any affiliation with dan publik, serta tidak menimbulkan hubungan afiliasi the Controlling Shareholder. This reflects the independence dengan Pemegang Saham Pengendali. Hal ini mencerminkan and integrity of the Company’s leadership structure in independensi dan integritas struktur kepemimpinan managing and overseeing business activities professionally Perseroan dalam mengelola dan mengawasi kegiatan usaha and free from personal influence. secara profesional dan bebas dari pengaruh pribadi. 244 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Hubungan Keuangan Hubungan Keluarga
Financial Relationship Family Relationship
Pemegang Pemegang
Dewan Dewan
Direksi Saham Direksi Saham
Nama Jabatan Komisaris Komisaris
Board of Pengendali Board of Pengendali
Name Position Board of Board of
Directors Controlling Directors Controlling
Commissioners Commissioners
Shareholders Shareholders
Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak Ya Tidak
Yes No Yes No Yes No Yes No Yes No Yes No
Dewan Komisaris / Board of Commissioners
Park Young Mock1) Presiden
Komisaris
- - - - - -
President
Commissioner
Roberto Fernandez Komisaris
Commissioner - - - - - -
Feliciano2)
Hyacintus Henri Komisaris
Djantoko Independen
- - - - - -
Independent
Commissioner
Sapto Wahyu Komisaris
Indratno3) Independen
- - - - - -
Independent
Commissioner
Kim Dong Wook4) Presiden
Komisaris
- - - - - -
President
Commissioner
Johannes Agus5) Komisaris
Independen
- - - - - -
Independent
Commissioner
Ali Chendra6) Komisaris
Commissioner - - - - - -
Direksi / Board of Directors
Agus Benjamin Presiden
Direktur
- - - - - -
President
Director
Choi Hyunhee Wakil Presiden
Direktur
- - - - - -
Vice President
Director
Kwon Gi Han Direktur
Director - - - - - -
Gilbert Deddy Direktur
Director - - - - - -
Naibaho
1)
Efektif menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively serving as President Commissioner as of December 15th, 2025.
2)
Efektif menjabat sebagai Komisaris sejak tanggal 1 September 2025. / Effectively serving as Commissioner as of September 1st, 2025.
3)
Efektif menjabat sebagai Komisaris Independen sejak tanggal 15 Desember 2025. / Effectively serving as Independent Commissioner as of December 15th, 2025.
4)
Efektif tidak lagi menjabat sebagai Presiden Komisaris sejak tanggal 15 Desember 2025. / Effectively no longer serving as President Commissioner as of December 15th, 2025.
5)
Efektif tidak lagi menjabat sebagai Komisaris Independen Perseroan dikarenakan telah meninggal dunia pada tanggal 23 April 2025. / Effectively no longer serving as the
Company’s Independent Commissioner due to passing away on April 23rd, 2025.
6)
Efektif mengundurkan diri sebagai Komisaris Perseroan sejak tanggal 1 September 2025. / Effectively resigned as Commissioner of the Company as of September 1st, 2025.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 245
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Tata Kelola Perusahaan
Komite di Bawah Dewan Komisaris
Committees Under the Board of Commissioners
Dalam struktur tata kelola perusahaan, keberadaan Within the corporate governance structure, the presence
komite-komite di bawah Dewan Komisaris memegang of committees under the Board of Commissioners plays
peranan penting untuk mendukung fungsi pengawasan yang an important role in providing effective and specialized
efektif dan spesifik. Komite-komite tersebut, seperti Komite oversight. These committees, such as the Audit Committee,
Audit, Komite Remunerasi dan Nominasi, Komite Pemantau Remuneration and Nomination Committee, Risk Oversight
Risiko, serta Komite Kebijakan Tata Kelola Perusahaan, Committee, and Good Corporate Governance Committee,
dibentuk untuk membantu Dewan Komisaris dalam are established to assist the Board of Commissioners
menjalankan tugas-tugasnya secara lebih fokus dan terarah. in carrying out its duties in a more focused and directed
Dengan adanya komite-komite ini, proses pengambilan manner. Through these committees, the decision-making
keputusan dapat dilakukan dengan lebih mendalam dan process can be conducted in a more in-depth and
profesional, sekaligus memastikan bahwa berbagai aspek professional manner, while ensuring that the Company’s
kritis Perseroan mendapatkan perhatian yang memadai critical aspects receive adequate attention in accordance
sesuai dengan prinsip GCG. with GCG principles.
Komite Audit Audit Committee
Komite Audit berperan dalam memastikan integritas Laporan The Audit Committee plays a key role in ensuring
Keuangan, efektivitas pengendalian internal, dan kepatuhan the integrity of the Financial Statements, the effectiveness of
terhadap peraturan yang berlaku. Melalui pengawasan internal controls, and compliance with applicable laws and
yang independen dan objektif, Komite Audit membantu regulations. Through independent and objective oversight,
menciptakan transparansi dan akuntabilitas dalam proses the Audit Committee helps promote transparency and
keuangan Perseroan. Selain itu, Komite Audit juga berperan accountability in the Company’s financial processes. Besides,
dalam menelaah hasil audit eksternal maupun internal, serta the Audit Committee also has a role in reviewing the results
memberikan rekomendasi yang diperlukan untuk perbaikan of both external and internal audits, as well as providing
sistem dan pengelolaan risiko Perseroan secara menyeluruh. recommendations necessary for improving the Company's
overall system and risk management.
Pedoman Kerja Work Guidelines
Komite Audit melaksanakan tugas dan tanggung jawabnya The Audit Committee carries out its duties and responsibilities
dengan berpedoman pada Piagam Komite Audit yang telah in accordance with the Audit Committee's Charter, which
disahkan dan diperbarui pada tanggal 20 Oktober 2022. was approved and last updated on October 20th, 2022.
Piagam tersebut dibuat dengan mengacu pada prinsip- The Charter was formulated with reference to generally
prinsip GCG yang umum diterapkan, sekaligus mematuhi accepted GCG principles, and in compliance with
peraturan perundang-undangan yang berlaku di sektor the prevailing laws and regulations in the insurance and
asuransi dan pasar modal. capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Audit per Information on the composition of the Audit Committee as of
31 Desember 2025 diuraikan sebagai berikut. December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Hyacintus Henri Ketua Asuransi dan Manajemen Risiko Diangkat berdasarkan Surat Keputusan Dewan Komisaris
Djantoko Chairman Insurance and Risk Management No. 001/BOC-CS/VII/2023 tanggal 28 Juli 2023.
Periode menjabat mengikuti masa kerja Dewan Komisaris
Mawarto Anggota Auditing (CACP), Akuntansi, dan Manajemen yang ditetapkan dalam Anggaran Dasar Perseroan.
Member SDM
Auditing (CACP), Accounting, and HR Appointed by the Decree of the Board of Commissioners
Management No. 001/BOC-CS/VII/2023 dated July 28th, 2023.
The office term follows the Board of Commissioners
office term as stipulated in the Articles of Association.
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Corporate Governance
Independensi Independency
Komite Audit harus menjaga independensinya agar dapat The Audit Committee is required to maintain its independence
menjalankan fungsi pengawasan secara objektif dan bebas to carry out its oversight function objectively and free from
dari pengaruh kepentingan yang dapat mengganggu any influence that could impair its professional judgment.
penilaian profesionalnya. Independensi ini bertujuan untuk This independence is intended to ensure that all decisions
memastikan bahwa setiap keputusan dan rekomendasi and recommendations are made based solely on rational and
yang dihasilkan benar-benar berdasarkan pertimbangan transparent considerations, thereby fostering the confidence
yang rasional dan transparan, sehingga dapat mendukung of all stakeholders in the Company’s GCG implementation.
kepercayaan seluruh pemangku kepentingan terhadap By maintaining its independence, the Audit Committee
penerapan GCG Perseroan. Dengan menjaga independensi, can effectively contribute to strengthening the integrity
Komite Audit dapat berperan secara efektif dalam and credibility of the oversight exercised by the Board of
memperkuat integritas dan kredibilitas pengawasan yang Commissioners.
dilaksanakan oleh Dewan Komisaris.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Audit pada tahun 2025 diuraikan as the realization of the Audit Committee’s work programs in
sebagai berikut. 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menilai pelaksanaan kegiatan serta hasil audit yang dilaksanakan Komite Audit menilai efektivitas perencanaan dan pelaksanaan audit, kecukupan
oleh auditor internal maupun auditor eksternal. cakupan audit terhadap area-area risiko tinggi, serta kepatuhan terhadap standar
dan ketentuan yang berlaku yang dilakukan oleh Audit Internal dan Audit Eksternal.
Selain itu, Komite Audit juga menelaah hasil temuan audit, termasuk tindak lanjut
atas rekomendasi perbaikan yang diberikan oleh auditor, pengelolaan risiko yang
memadai, dan kepatuhan terhadap peraturan perundang-undangan.
Assessing the implementation of audit activities and results of The Audit Committee assessed the effectiveness of audit planning and implementation,
audits carried out by internal auditors and external auditors. the adequacy of audit coverage of high-risk areas, and the compliance with applicable
standards and regulations by Internal Audit and External Audit. In addition, the Audit
Committee also reviewed audit findings, including follow-up on recommendations
for improvements provided by auditors, adequate risk management, and compliance
with laws and regulations.
Memberikan rekomendasi mengenai penyempurnaan sistem Komite Audit secara berkala meninjau efektivitas pengendalian internal melalui hasil
pengendalian internal dilaksanakan dengan baik. audit dan pemantauan risiko dengan berkoordinasi dengan unit terkait. Berdasarkan
temuan dan analisis ini, Komite Audit memberikan rekomendasi penyempurnaan
sistem pengendalian internal dan memastikan pengendalian internal dilaksanakan
dengan baik sesuai dengan standar atau ketentuan yang berlaku.
Providing recommendations regarding the improvement of The Audit Committee periodically reviewed the effectiveness of internal control
the internal control system that have been implemented through audit results and risk monitoring in coordination with relevant units. Based
properly. on these findings and analyses, the Audit Committee provided recommendations for
improving the internal control system and ensured that internal control was properly
implemented in accordance with applicable standards or regulations.
Memastikan pelaksanaan tindak lanjut oleh Direksi atas hasil Memantau pelaksanaan tindak lanjut dengan mengadakan rapat bersama dengan
temuan auditor internal, auditor eksternal, dan hasil pengawasan Unit Audit Internal secara berkala dan auditor eksternal untuk membahas tindak lanjut
Otoritas Jasa Keuangan terhadap Perseroan. atas temuan yang telah diusulkan. Komite Audit memastikan bahwa setiap temuan
pada tahun 2025 ditangani dengan prioritas dan sesuai rekomendasi dari auditor
diimplementasikan secara efektif dan tepat waktu, dalam rangka memitigasi risiko
yang mungkin timbul di kemudian hari.
Ensuring that the Board of Directors follows up on the findings Monitoring the follow-up implementation by holding regular meetings with the Internal
of internal and external auditors as well as the findings of Audit Unit and external auditors to discuss the follow-up to the proposed findings.
the Financial Services Authority’s supervision of the Company. The Audit Committee ensured that each finding in 2025 was handled with priority and
in accordance with the auditors’ recommendations, implemented effectively and in
a timely manner, to mitigate any risks that might arise in the future.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Me-review penunjukan auditor eksternal dan memberikan Menelaah penunjukan auditor eksternal dan memberikan rekomendasi kepada Dewan
rekomendasi kepada Dewan Komisaris terkait penunjukan calon Komisaris, di mana pertimbangan dalam rekomendasi terhadap AP dan KAP meliputi
auditor eksternal yang didasarkan pada independensi, ruang Independensi; Ruang Lingkup Audit; Imbalan Jasa Audit; Keahlian dan Pengalaman;
lingkup penugasan, dan imbalan jasa. serta Metodologi, Teknik, dan Sarana Audit yang digunakan.
Reviewing the appointment of external auditor and providing Reviewing the appointment of external auditors and providing recommendations
recommendations to the Board of Commissioners regarding to the Board of Commissioners, where considerations in recommendations
the appointment of external auditor candidates based on to AP and KAP include Independence; Audit Scope; Audit Services Fees; Expertise
independency, assignment scope, and services fee. and Experience; and Audit Methodologies, Techniques, and Tools used.
Memastikan Laporan Keuangan sesuai dengan standar Secara berkala mengadakan rapat dengan mengundang pejabat berwenang dari
akuntansi yang berlaku di Indonesia dan ketentuan peraturan Divisi Finance & Accounting, serta menelaah dan memastikan Laporan Keuangan
perundang-undangan di bidang perasuransian. yang dibuat dan dilaporkan kepada regulator sesuai dengan standar akuntansi yang
berlaku dan ketentuan peraturan perundang-undangan yang berlaku dan terkait.
Ensuring the Financial Statements are in accordance with Periodically holding meetings by inviting authorized officials from the Finance &
accounting standards applicable in Indonesia as well as Accounting Division, and reviewing and ensuring that the Financial Statements were
the provisions of regulations on insurance. prepared and reported to regulators in accordance with applicable accounting
standards and relevant laws and regulations.
Mengevaluasi piagam Komite Audit secara berkala disesuaikan Melakukan evaluasi berkala terhadap Piagam Komite Audit dengan mengacu
dengan perkembangan ketentuan peraturan perundang- pada perkembangan ketentuan peraturan perundang-undangan yang berlaku.
undangan. Berdasarkan hasil evaluasi, disimpulkan bahwa isi Piagam Komite Audit masih relevan
dan sesuai dengan ketentuan yang berlaku, serta mendukung pelaksanaan tugas dan
tanggung jawab Komite Audit secara efektif.
Evaluating the Audit Committee charter periodically in Performing periodic evaluations of the Audit Committee Charter with reference to
accordance with developments in laws and regulations. developments in applicable laws and regulations. Based on the evaluation results, it
was concluded that the contents of the Audit Committee Charter are still relevant and
in accordance with applicable regulations, and supported the effective implementation
of Audit Committee’s duties and responsibilities.
Melakukan penelaahan atas ketaatan terhadap peraturan Melakukan penelaahan atas ketaatan Perseroan terhadap peraturan perundang-
perundang-undangan yang berhubungan dengan kegiatan undangan yang relevan dengan kegiatan operasional. Penelaahan ini mencakup
Perseroan. koordinasi dengan auditor internal dan eksternal, serta pemantauan atas tindakan
perbaikan yang diperlukan jika ditemukan ketidaksesuaian.
Conducting a review of compliance with laws and regulations Conducting a review of the Company’s compliance with laws and regulations relevant
related to the Company’s activities. to operational activities. This review included coordination with internal and external
auditors, as well as monitoring of any necessary corrective actions if discrepancies
were found.
Rapat Meeting
Komite Audit wajib menyelenggarakan rapat paling sedikit The Audit Committee is required to hold meetings at least
1 kali dalam 3 bulan. Sepanjang tahun 2025, Komite Audit once every 3 months. Throughout 2025, the Audit Committee
telah menyelenggarakan rapat sebanyak 7 kali, di mana held a total of 7 meetings, comprising 7 joint meetings with
7 kali rapat gabungan dengan Unit Audit Internal dengan the Internal Audit Unit and one of them is a joint meeting with
salah satu di antaranya rapat gabungan dengan auditor the external auditor, Board of Commissioners, and Board of
eksternal, Dewan Komisaris, dan Direksi. Adapun tingkat Directors. The attendance rate at each of these meetings was
kehadiran dalam setiap rapat tersebut tercatat sebagai recorded as follows.
berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Hyacintus Henri Djantoko 7 7 100,00
Chairman
Anggota
Mawarto 7 7 100,00
Member
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Corporate Governance
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Audit dikelola The competency development for the members of
secara sistematis oleh Departemen Talent Management, the Audit Committee is managed systematically by
yang bertanggung jawab untuk mengoordinasikan berbagai the Talent Management Department, which is responsible
program pelatihan dan pengembangan sesuai dengan for coordinating various training and development programs
kebutuhan serta tantangan yang dihadapi. Pengembangan in accordance with the needs and challenges encountered.
kompetensi ini dapat dilakukan melalui berbagai bentuk, Competency development can be conducted in various
seperti pelatihan formal, workshop, seminar, mentoring, forms, including formal training programs, workshops,
hingga pembelajaran mandiri yang relevan. Proses ini seminars, mentoring, and relevant self-directed learning. This
juga didokumentasikan secara rapi untuk memastikan process is also properly documented to ensure continuity
keberlanjutan dan evaluasi efektivitas pengembangan and to enable evaluation of the effectiveness of competency
kompetensi, sehingga anggota Komite Audit dapat development initiatives, thereby allowing Audit Committee
terus meningkatkan kapabilitas dan kontribusinya dalam members to continuously enhance their capabilities
mendukung penerapan GCG Perseroan. and contributions in supporting the implementation of
the Company’s GCG.
Sepanjang tahun 2025, seluruh anggota Komite Audit Throughout 2025, all members of the Audit Committee
telah melaksanakan berbagai kegiatan pengembangan participated in various competency development activities.
kompetensi. Informasi mengenai pengembangan kompetensi Information on the competency development undertaken
yang diikuti oleh Bapak Hyacintus Henri Djantoko selaku by Mr. Hyacintus Henri Djantoko in his capacity as
Ketua Komite Audit telah diungkapkan dalam pembahasan Chairman of the Audit Committee has been disclosed in
pengembangan kompetensi Dewan Komisaris. Sedangkan, the explanation of the competency development for
pengembangan kompetensi yang diikuti oleh Bapak Mawarto the Board of Commissioners. Meanwhile, the competency
selaku Anggota Komite Audit diungkapkan sebagai berikut. development activities undertaken by Mr. Mawarto as
a member of the Audit Committee are as follows.
Nama Jabatan Topik Pengembangan Kompetensi Waktu Penyelenggara
Name Position Competency Development Subject Time Organizer
Mawarto Anggota Identifikasi dan Pemetaan Risiko TI, serta Audit IT Webinar, 9 Desember 2025 Widya Dharma Artha
Risk Management.
Member Identification and Mapping of IT Risks, as well as IT Webinar, December 9th, 2025
Risk Management Audits.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
Komite Remunerasi dan Nominasi memiliki peran penting The Remuneration and Nomination Committee
dalam memastikan bahwa kebijakan terkait pengangkatan, plays a vital role in ensuring that policies related to
evaluasi, dan pemberian remunerasi kepada anggota the appointment, evaluation, and remuneration of members
Dewan Komisaris dan Direksi dilakukan secara objektif, of the Board of Commissioners and Board of Directors are
transparan, dan selaras dengan kinerja serta kontribusi implemented objectively, transparently, and in alignment
yang diberikan. Komite Remunerasi dan Nominasi with the performance and contributions delivered.
membantu Dewan Komisaris dalam merumuskan sistem The Remuneration and Nomination Committee assists
kompensasi yang kompetitif dan adil, sekaligus mengusulkan the Board of Commissioners in formulating a competitive
calon-calon yang tepat untuk mengisi posisi strategis and equitable compensation system, while also proposing
di Perseroan. Dengan mekanisme kerja yang independen, suitable candidates to fill strategic positions within
Komite Remunerasi dan Nominasi turut mendukung the Company. Through an independent working mechanism,
terciptanya tata kelola perusahaan yang sehat dan the Remuneration and Nomination Committee contributes
berkelanjutan. to the establishment of sound and sustainable corporate
governance.
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Tata Kelola Perusahaan
Pedoman Kerja Work Guidelines
Komite Remunerasi dan Nominasi melaksanakan tugas dan The Remuneration and Nomination Committee carries
tanggung jawabnya dengan berpedoman pada Piagam out its duties and responsibilities in accordance with
Komite Remunerasi dan Nominasi yang telah disahkan dan the Remuneration and Nomination Committee's
diperbarui pada tanggal 27 Juni 2022. Piagam tersebut Charter, which was approved and last updated on
dibuat dengan mengacu pada prinsip-prinsip GCG yang June 27th, 2022. The Charter was formulated with reference
umum diterapkan, sekaligus mematuhi peraturan perundang- to generally accepted GCG principles and in compliance with
undangan yang berlaku di sektor asuransi dan pasar modal. the prevailing laws and regulations in the insurance and
capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Remunerasi dan Information regarding the composition of the Remuneration
Nominasi per 31 Desember 2025 diuraikan sebagai berikut. and Nomination Committee as of December 31st, 2025, is
presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Hyacintus Henri Ketua Asuransi dan Manajemen Risiko
Djantoko Chairman Insurance and Risk Management Diangkat berdasarkan Surat Keputusan Dewan Komisaris
No. SK-002/BOC-CS/VII/2023 tanggal 28 Juli 2023. Periode
Ali Chendra Anggota Teknologi Informasi dan Manajemen menjabat mengikuti masa kerja Dewan Komisaris yang
Risiko ditetapkan dalam Anggaran Dasar Perseroan.
Member Information Technology and Risk Appointed by the Decree of the Board of Commissioners
Management No. SK-002/BOC-CS/VII/2023 dated July 28th, 2023.
The office term follows the Board of Commissioners office term
Susanti Halim Anggota Personalia dan SDM as stipulated in the Articles of Association.
Member Personnel and HR
Independensi Independency
Komite Remunerasi dan Nominasi harus menjaga The Remuneration and Nomination Committee must
independensinya agar dapat menjalankan fungsi pengawasan maintain its independence to carry out its oversight function
secara objektif dan bebas dari pengaruh kepentingan yang objectively and free from any influence of conflicting
dapat mengganggu penilaian profesionalnya. Independensi interests that could compromise its professional judgment.
ini bertujuan untuk memastikan bahwa setiap keputusan This independence is intended to ensure that every decision
dan rekomendasi yang dihasilkan benar-benar berdasarkan and recommendation is made based on rational and
pertimbangan yang rasional dan transparan, sehingga dapat transparent considerations, thereby fostering the confidence
mendukung kepercayaan seluruh pemangku kepentingan of all stakeholders in the corporate governance process.
terhadap proses tata kelola perusahaan. Dengan menjaga By maintaining its independence, the Remuneration and
independensi, Komite Remunerasi dan Nominasi dapat Nomination Committee is able to play an effective role in
berperan secara efektif dalam memperkuat integritas strengthening the integrity and credibility of the oversight
dan kredibilitas pengawasan yang dilaksanakan oleh exercised by the Board of Commissioners.
Dewan Komisaris.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as
program kerja Komite Remunerasi dan Nominasi pada tahun well as the realization of the Remuneration and Nomination
2025 diuraikan sebagai berikut. Committee’s work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Fungsi Nominasi / Nomination Function
Menyusun dan memberikan rekomendasi mengenai sistem Berdasarkan pemantauan Komite Remunerasi dan Nominasi, sistem, dan prosedur
dan prosedur penilaian, pemilihan, dan/atau penggantian penilaian, pemilihan, dan/atau penggantian anggota Direksi, anggota Dewan Komisaris,
anggota Direksi, anggota Dewan Komisaris, dan Pejabat dan Pejabat Eksekutif kepada Dewan Komisaris dijalankan sesuai dengan Pedoman
Eksekutif kepada Dewan Komisaris. Remunerasi dan Nominasi yang masih sesuai dengan kondisi terkini dan peraturan yang
berlaku.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Developing and providing recommendations regarding Based on the monitoring of the Remuneration and Nomination Committee, the system
systems and procedures for evaluating, selecting, and/or and procedures for assessment, selection, and/or replacement of Board of Directors’
replacing members of the Board of Directors, members of members, Board of Commissioners’ members, and Executive Officers to the Board of
the Board of Commissioners, and Executive Officers to Commissioners are carried out in line with the Remuneration and Nomination Charter,
the Board of Commissioners. which is still in accordance with current conditions and applicable regulations.
Memberikan rekomendasi kepada Dewan Komisaris mengenai Menilai kebutuhan pengembangan kemampuan berdasarkan kinerja dan tren
program pengembangan kemampuan anggota Direksi industri, serta merancang program yang sesuai untuk meningkatkan kompetensi dan
dan/atau Dewan Komisaris. keterampilan kepemimpinan. Rekomendasi ini mencakup jenis pelatihan, workshop,
dan kesempatan pengembangan profesional yang relevan. Dengan langkah ini, Komite
Remunerasi dan Nominasi memastikan bahwa anggota Direksi dan Dewan Komisaris
terus memperbarui pengetahuan dan keterampilannya.
Providing recommendations to the Board of Commissioners Assessing capability development needs based on performance and industry
regarding the capacity development programs for members trends, and designing appropriate programs to enhance leadership competencies
of Board of Commissioners and/or Board of Directors. and skills. These recommendations include relevant types of training, workshops,
and professional development opportunities. With this step, the Remuneration and
Nomination Committee ensures that members of the Board of Directors and Board of
Commissioners continue to update their knowledge and skills.
Memberikan rekomendasi mengenai calon anggota Direksi Merekomendasikan calon anggota Dewan Komisaris pada tahun 2025 berdasarkan
dan/atau Dewan Komisaris kepada Dewan Komisaris untuk kriteria kompetensi, pengalaman, dan kecocokan dengan kebutuhan strategis
disampaikan kepada RUPS. Perseroan dan dinilai memenuhi standar dan kualifikasi yang diperlukan. Rekomendasi
ini kemudian disampaikan kepada Dewan Komisaris, yang akan mengajukan calon
tersebut untuk disetujui dalam RUPS.
Providing recommendations regarding prospective members Recommending prospective members of the Board of Commissioners in 2025
of the Board of Directors and/or Board of Commissioners to based on the criteria of competence, experience, and suitability with the Company’s
the Board of Commissioners to be submitted to the GMS. strategic needs and assessed to meet the required standards and qualifications. This
recommendation is then submitted to the Board of Commissioners, who will propose
the candidate for approval at the GMS.
Memberikan rekomendasi mengenai Pihak Independen yang Pada tahun 2025, tidak ada kekosongan pihak independen sebagai anggota Komite
akan menjadi anggota Komite Audit dan anggota Komite Audit dan anggota Komite Pemantau Risiko.
Pemantau Risiko kepada Dewan Komisaris.
Providing recommendations on Independent Parties who will In 2025, there was no vacancy for an independent party as a member of the Audit
become members of Audit Committee and members of Risk Committee and a member of the Risk Oversight Committee.
Oversight Committee to the Board of Commissioners.
Fungsi Remunerasi / Remuneration Function
Memastikan bahwa Perseroan telah memiliki sistem Secara berkala memastikan sistem remunerasi yang dimiliki Perseroan sudah
remunerasi yang transparan dan menerapkan prinsip memperhatikan prinsip yang transparan dan menerapkan prinsip kehati-hatian dalam
kehati-hatian dalam pemberian remunerasi, baik remunerasi pemberian remunerasi, baik remunerasi yang bersifat tetap maupun bersifat variabel,
yang bersifat tetap maupun bersifat variabel. kepada seluruh karyawan maupun Direksi dan Dewan Komisaris sesuai dengan
indikator kinerja yang telah ditetapkan dan mengacu pada Pedoman Remunerasi dan
Nominasi yang telah dibentuk.
Ensuring that the Company has a transparent remuneration Periodically ensuring that the Company’s remuneration system adheres to transparent
system and applies the principle of prudence in giving principles and applies the principle of prudence in the provision of remuneration, both
remuneration, both fixed and variable remuneration. fixed and variable, to all employees, Board of Directors, and Board of Commissioners in
accordance with predetermined performance indicators and referring to the established
Remuneration and Nomination Guidelines.
Melakukan evaluasi terhadap kebijakan remunerasi yang Memastikan keputusan remunerasi sebagaimana mengacu pada kebijakan remunerasi
didasarkan atas kinerja, risiko, kewajaran, sasaran, dan sudah didasarkan atas kinerja, risiko, kewajaran, sasaran, dan strategi jangka panjang
strategi jangka panjang Perseroan, pemenuhan cadangan Perseroan, pemenuhan cadangan sebagaimana diatur dalam ketentuan peraturan
sebagaimana diatur dalam ketentuan peraturan perundang- perundang-undangan dan potensi pendapatan Perseroan di masa yang akan datang.
undangan dan potensi pendapatan Perseroan di masa yang
akan datang.
Evaluating the remuneration policy based on performance, Confirming that the remuneration decision as referred to in the remuneration policy
risk, fairness, goals, and long-term strategy of the Company, is already based on the Company’s performance, risk, fairness, goals, and long-term
fulfillment of reserves as stipulated in the provisions of laws strategy, fulfillment of reserves as regulated in laws and regulations, and the Company’s
and regulations and the potential income of the Company in potential income in the future.
the future.
Melakukan evaluasi secara berkala terhadap penerapan Secara berkala, melakukan evaluasi terhadap penerapan kebijakan remunerasi yang
kebijakan remunerasi. sudah dibuat Perseroan.
Conducting periodic evaluations of the implementation of Periodically evaluating the implementation of remuneration policy set by the Company.
remuneration policies.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menyampaikan hasil evaluasi dan rekomendasi kepada Melaksanakan tugasnya dengan menyampaikan hasil evaluasi dan rekomendasi kepada
Dewan Komisaris mengenai: Dewan Komisaris terkait struktur dan besaran remunerasi. Selain itu, Komite Remunerasi
1. Struktur dan besaran remunerasi; dan Nominasi juga memberikan rekomendasi mengenai kebijakan remunerasi bagi
2. Kebijakan remunerasi bagi Direksi dan Dewan Komisaris Dewan Komisaris dan Direksi yang akan diajukan kepada RUPS, serta kebijakan
untuk disampaikan kepada RUPS; serta remunerasi karyawan secara keseluruhan yang disampaikan kepada Direksi untuk
3. Kebijakan remunerasi bagi karyawan secara keseluruhan memastikan kesesuaian dengan strategi dan kinerja Perseroan.
untuk disampaikan kepada Direksi.
Delivering evaluation results and recommendations to Performing its duties by submitting evaluation results and recommendations to
the Board of Commissioners regarding: the Board of Commissioners regarding remuneration structure and amount. In addition,
1. Remuneration structure and amount; the Remuneration and Nomination Committee also provides recommendations
2. Remuneration policy for the Board of Directors and Board regarding the remuneration policy for the Board of Commissioners and Board of
of Commissioners to be submitted to the GMS; and Directors that will be submitted to the GMS, as well as the overall employee remuneration
3. Remuneration policy for employees as a whole to be policy submitted to the Board of Directors to ensure suitability with the Company’s
submitted to the Board of Directors. strategy and performance.
Memastikan bahwa kebijakan remunerasi telah sesuai dengan Memastikan bahwa kebijakan remunerasi Perseroan sesuai dengan ketentuan peraturan
ketentuan peraturan perundang-undangan. perundang-undangan yang berlaku untuk menjaga kepatuhan terhadap peraturan dan
standar yang ditetapkan.
Ensuring that the remuneration policy is in accordance with Ensuring that the Company’s remuneration policy is in accordance with the provisions
the provisions of laws and regulations. of prevailing laws and regulations to maintain compliance with established regulations
and standards.
Mengevaluasi piagam Komite secara berkala disesuaikan Mengevaluasi Piagam Komite Remunerasi dan Nominasi disesuaikan dengan
dengan perkembangan ketentuan peraturan perundang- perkembangan ketentuan peraturan perundang-undangan di mana Piagam Komite
undangan. Remunerasi dan Nominasi dinilai masih sesuai dengan peraturan yang berlaku.
Evaluating the Committee’s charter periodically in accordance Evaluating the Remuneration and Nomination Committee Charter in accordance with
with developments in laws and regulations. the development of laws and regulations where the Remuneration and Nomination
Committee Charter is considered still in accordance with applicable regulations.
Membantu Dewan Komisaris melakukan penilaian kinerja Membantu Dewan Komisaris dalam melakukan penilaian kinerja anggota Direksi
dengan kesesuaian remunerasi yang diterima masing-masing dan/atau Dewan Komisaris, serta memastikan kesesuaian remunerasi yang diterima
anggota Direksi dan/atau anggota Dewan Komisaris. dengan kinerja yang dicapai.
Assisting the Board of Commissioners in assessing Assisting the Board of Commissioners in assessing the performance of members
performance with the suitability of remuneration received by of the Board of Directors and/or Board of Commissioners, as well as ensuring that
each member of the Board of Directors and/or members of the remuneration received is in line with the performance achieved.
the Board of Commissioners.
Rapat Meeting
Komite Remunerasi dan Nominasi wajib menyelenggarakan The Remuneration and Nomination Committee is required
rapat paling sedikit 1 kali dalam 4 bulan. Sepanjang to hold meetings at least once every 4 months. Throughout
tahun 2025, Komite Remunerasi dan Nominasi telah 2025, the Remuneration and Nomination Committee held
menyelenggarakan rapat sebanyak 3 kali. Adapun tingkat a total of 3 meetings. The attendance rate at each of these
kehadiran dalam setiap rapat tersebut tercatat sebagai meetings was recorded as follows.
berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Hyacintus Henri Djantoko 3 3 100,00
Chairman
Anggota
Ali Chendra 3 3 100,00
Member
Anggota
Susanti Halim 3 3 100,00
Member
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Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Remunerasi The competency development for the members of
dan Nominasi dikelola secara sistematis oleh Departemen the Remuneration and Nomination Committee is managed
Talent Management, yang bertanggung jawab untuk systematically by the Talent Management Department,
mengoordinasikan berbagai program pelatihan dan which is responsible for coordinating various training
pengembangan sesuai dengan kebutuhan serta tantangan and development programs in line with the needs and
yang dihadapi. Pengembangan kompetensi ini dapat challenges encountered. Such competency development
dilakukan melalui berbagai bentuk, seperti pelatihan formal, can be conducted in various forms, including formal training,
workshop, seminar, mentoring, hingga pembelajaran workshops, seminars, mentoring, and relevant self-directed
mandiri yang relevan. Proses ini juga didokumentasikan learning. This process is also properly documented to ensure
secara rapi untuk memastikan keberlanjutan dan evaluasi continuity and to facilitate evaluation of the effectiveness of
efektivitas pengembangan kompetensi, sehingga anggota the competency development initiatives, thereby enabling
Komite Remunerasi dan Nominasi dapat terus meningkatkan members of the Remuneration and Nomination Committee
kapabilitas dan kontribusinya dalam mendukung penerapan to continuously enhance their capabilities and contributions
GCG Perseroan. in supporting the Company’s GCG implementation.
Sepanjang tahun 2025, seluruh anggota Komite Throughout 2025, all members of the Remuneration
Remunerasi dan Nominasi telah melaksanakan berbagai and Nomination Committee participated in various
kegiatan pengembangan kompetensi. Informasi mengenai competency development activities. Information regarding
pengembangan kompetensi yang diikuti oleh Bapak the competency development programs attended by
Hyacintus Henri Djantoko dan Bapak Ali Chendra selaku Mr. Hyacintus Henri Djantoko and Mr. Ali Chendra, in their
Ketua dan Anggota Komite Remunerasi dan Nominasi capacities as Chairman and Member of the Remuneration
telah diungkapkan dalam pembahasan pengembangan and Nomination Committee, respectively, has been disclosed
kompetensi Dewan Komisaris. Sedangkan, pengembangan in the explanation of the competency development for
kompetensi yang diikuti oleh Ibu Susanti Halim selaku the Board of Commissioners. Meanwhile, the competency
Anggota Komite Remunerasi dan Nominasi diungkapkan development activities attended by Mrs. Susanti Halim, as
sebagai berikut. a Member of the Remuneration and Nomination Committee,
are as follows.
Nama Jabatan Topik Pengembangan Kompetensi Waktu Penyelenggara
Name Position Competency Development Subject Time Organizer
Anggota Sosialisasi Perpajakan Coretax System. 18 Februari 2025
Susanti Halim AAUI
Member Dissemination of the Coretax System Taxation. February 18th, 2025
Kebijakan Nominasi Dewan Komisaris dan Direksi
Board of Commissioners and Board of Directors Nomination Policy
Penentuan nominasi Dewan Komisaris dan Direksi dilakukan dengan memperhatikan hal-hal berikut, yaitu:
The determination of the nominations for the Board of Commissioners and the Board of Directors is conducted by taking into
considerationof the following matters, i.e.:
Anggota Dewan Komisaris dan Direksi diangkat oleh RUPS dengan memperhatikan ketentuan mengenai berakhirnya masa jabatan
1 anggota Dewan Komisaris dan Direksi dengan sendirinya, serta ketentuan mengenai kuorum, hak suara, dan keputusan RUPS yang
terdapat dalam Anggaran Dasar Perseroan.
Members of the Board of Commissioners and Board of Directors are appointed by the GMS by taking into consideration the provisions
regarding the end of office tenure of the Board of Commissioners and Board of Directors members, as well as the provisions regarding
quorum, voting rights, and GMS resolution stated in the Articles of Association.
Anggota Dewan Komisaris dan Direksi diangkat oleh RUPS dari calon-calon yang diajukan oleh Pemegang Saham Utama Perseroan.
2 The members of the Board of Commissioners and the Board of Directors are appointed by the GMS from the candidates proposed by
the Main Shareholders.
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Tata Kelola Perusahaan
Setiap usulan penggantian dan/atau pengangkatan anggota Dewan Komisaris dan Direksi harus memenuhi persyaratan dan
3 memperhatikan rekomendasi dari Komite Remunerasi dan Nominasi.
Every proposal for replacement and/or appointment of members of the Board of Commissioners and Board of Directors must meet
the requirements and take into account the recommendations from the Remuneration and Nomination Committee.
Anggota Dewan Komisaris dan Direksi diangkat untuk masa jabatan tertentu sesuai hasil RUPS Tahunan dan dapat diangkat kembali
4 sesuai ketentuan yang berlaku.
Members of the Board of Commissioners and the Board of Directors are appointed for a certain term and can be reappointed in
accordance with applicable regulations.
RUPS memiliki hak untuk menghentikan Dewan Komisaris dan Direksi sewaktu-waktu sesuai dengan situasi dan/atau
5 kebutuhan Perseroan.
The GMS reserves the right to terminate the Board of Commissioners and the Board of Directors at any time according to
the Company’s needs and/or situation.
Komite Pemantau Risiko Risk Oversight Committee
Komite Pemantau Risiko berperan dalam membantu Dewan The Risk Oversight Committee plays a role in assisting
Komisaris mengawasi penerapan manajemen risiko di the Board of Commissioners in overseeing
seluruh lini operasional Perseroan. Komite Pemantau Risiko the implementation of risk management across all operational
memastikan bahwa identifikasi, evaluasi, dan mitigasi risiko lines of the Company. The Risk Oversight Committee
dilakukan secara menyeluruh dan terintegrasi dengan strategi ensures that risk identification, assessment, and mitigation
bisnis. Dengan pengawasan yang berfokus pada potensi are carried out comprehensively and integrated with
risiko keuangan, operasional, maupun kepatuhan, Komite the Company’s business strategy. Through oversight focused
Pemantau Risiko turut menjaga stabilitas dan keberlanjutan on potential financial, operational, and compliance risks,
Perseroan dalam menghadapi dinamika lingkungan usaha. the Risk Oversight Committee helps safeguard the Company’s
Peran ini menjadi krusial terutama dalam industri yang stability and sustainability in navigating a dynamic business
memiliki eksposur risiko tinggi seperti asuransi. environment. This role is particularly crucial in industries with
high-risk exposure, such as insurance.
Pedoman Kerja Work Guidelines
Komite Pemantau Risiko melaksanakan tugas dan tanggung The Risk Oversight Committee performs its duties and
jawabnya dengan berpedoman pada Piagam Komite responsibilities in accordance with the Risk Oversight
Pemantau Risiko yang telah disahkan dan diperbarui pada Committee’s Charter, which was approved and last updated
tanggal 26 Oktober 2022. Piagam tersebut dibuat dengan on October 26th, 2022. The Charter was developed with
mengacu pada prinsip-prinsip GCG yang umum diterapkan, reference to generally accepted GCG principles, and
sekaligus mematuhi peraturan perundang-undangan yang in compliance with applicable laws and regulations in
berlaku di sektor asuransi dan pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Pemantau Risiko per Information on the composition of the Risk Oversight
31 Desember 2025 diuraikan sebagai berikut. Committee as of December 31st, 2025, is presented below.
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Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Hyacintus Henri Ketua Asuransi dan Manajemen Risiko
Djantoko Chairman Insurance and Risk Management
Diangkat berdasarkan Surat Keputusan Dewan Komisaris
Underwriting, Marketing, Perasuransian,
No. 004/BOC-CS/VII/2023 tanggal 28 Juli 2023. Periode
Emma Paulina Anggota dan Manajemen Risiko
menjabat mengikuti masa kerja Dewan Komisaris yang
Balubun Member Underwriting, Marketing, Insurance, and ditetapkan dalam Anggaran Dasar Perseroan.
Risk Management
Appointed by the Decree of the Board of Commissioners
Manajemen Risiko, Underwriting, No. 004/BOC-CS/VII/2023 dated July 28th, 2023.
Pemasaran Digital, dan Pengembangan The office term follows the Board of Commissioners office term
Anggota Produk
Charles Hanafie as stipulated in the Articles of Association.
Member
Risk Management, Underwriting, Digital
Marketing, and Product Development
Independensi Independency
Komite Pemantau Risiko harus menjaga independensinya The Risk Oversight Committee must maintain its
agar dapat menjalankan fungsi pengawasan secara independence to carry out its oversight function objectively
objektif dan bebas dari pengaruh kepentingan yang dapat and free from any influence of conflicting interests that could
mengganggu penilaian profesionalnya. Independensi ini compromise its professional judgment. This independence
bertujuan untuk memastikan bahwa setiap keputusan dan is intended to ensure that all decisions and recommendations
rekomendasi yang dihasilkan benar-benar berdasarkan are made based on rational and transparent considerations,
pertimbangan yang rasional dan transparan, sehingga dapat thereby fostering the confidence of all stakeholders
mendukung kepercayaan seluruh pemangku kepentingan in the Company’s GCG implementation. By maintaining its
terhadap penerapan GCG Perseroan. Dengan menjaga independence, the Risk Oversight Committee is able to play
independensi, Komite Pemantau Risiko dapat berperan an effective role in strengthening the integrity and credibility
secara efektif dalam memperkuat integritas dan kredibilitas of the oversight exercised by the Board of Commissioners.
pengawasan yang dilaksanakan oleh Dewan Komisaris.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Pemantau Risiko pada tahun 2025 as the realization of the Risk Oversight Committee’s work
diuraikan sebagai berikut. programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menilai efektivitas manajemen risiko yang dilaksanakan Melakukan peninjauan mendalam bersama Komite Manajemen Risiko dan Departemen
Perseroan dan menilai toleransi risiko yang dapat diambil oleh Enterprise Risk Management terhadap kebijakan manajemen risiko yang diterapkan,
Perseroan. memastikan bahwa strategi yang ada dapat mengidentifikasi, menilai, dan mengelola
risiko secara efektif. Berdasarkan hasil penilaian yang dilakukan untuk tahun buku 2025,
Tingkat Kesehatan Perseroan menunjukkan rata-rata pada peringkat 2. dan sejalan
dengan toleransi risiko yang dapat diambil oleh Perseroan, di mana secara umum
kondisi Perseroan tergolong sehat sehingga dinilai mampu mengatasi pengaruh negatif
yang signifikan dari perubahan kondisi bisnis yang berkembang.
Assessing the effectiveness of risk management carried out Performing an in-depth review of the risk management policies with the Risk
by the Company and assessing the risk tolerance that can be Management Committee and Enterprise Risk Management Department, ensuring
taken by the Company. that the existing strategies can identify, assess, and manage risks effectively. Based on
the assessment results for the 2025 financial year, the Company’s Sound Level shows an
average rating of 2 and is in line with the risk tolerance, where in general the Company’s
condition is classified as sound, and thus, considered capable of overcoming significant
negative effects from changes in business conditions that may develop.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melakukan evaluasi secara berkala atas penerapan Komite Pemantau Risiko melalui Departemen Enterprise Risk Management yang
manajemen risiko. berkoordinasi dengan Komite Manajemen Risiko secara rutin meninjau kebijakan dan
praktik manajemen risiko yang diterapkan dengan mengacu pada Peraturan OJK
No. 44/POJK.05/2020 tentang Penerapan Manajemen Risiko bagi Lembaga Jasa
Keuangan Non-Bank dan SEOJK No. 8/SEOJK.05/2021 tentang Penerapan Manajemen
Risiko bagi Perusahaan Asuransi, Perusahaan Asuransi Syariah, Perusahaan Reasuransi,
dan Perusahaan Reasuransi Syariah. Hal ini memastikan bahwa proses-proses ini
berjalan sesuai dengan standar dan efektif dalam mengidentifikasi serta mengelola
risiko.
Periodically evaluating the implementation of risk The Risk Oversight Committee through the Enterprise Risk Management Department
management. in coordination with the Risk Management Committee regularly reviews the risk
management policies and practices implemented with reference to OJK Regulation
No. 44/POJK.05/2020 on the Implementation of Risk Management for Non-Bank
Financial Services Institutions and SEOJK No. 8/SEOJK.05/2021 on the Implementation
of Risk Management for Insurance Companies, Sharia Insurance Companies,
Reinsurance Companies, and Sharia Reinsurance Companies. This ensures that
these processes run in accordance with standards and are effective in identifying and
managing risks.
Memantau dan mengevaluasi pelaksanaan tugas Departemen Secara aktif mengawasi kinerja Departemen Enterprise Risk Management untuk
Enterprise Risk Management dan Komite Manajemen Risiko. memastikan bahwa unit tersebut menjalankan fungsinya dengan efektif dalam
mengidentifikasi, menilai, dan mengelola risiko yang dihadapi Perseroan. Komite
Pemantau Risiko juga mengevaluasi kinerja Komite Manajemen Risiko dalam hal
pemantauan dan pengelolaan risiko secara keseluruhan.
Monitoring and evaluating the implementation of duties of Actively overseeing Enterprise Risk Management Department’s performance to
the Enterprise Risk Management Department and the Risk ensure effective functions in identifying, assessing, and managing the risks faced by
Management Committee. the Company. The Risk Oversight Committee also evaluates the Risk Management
Committee’s performance in terms of overall risk monitoring and management.
Mengevaluasi Piagam Komite Pemantau Risiko secara berkala Secara rutin meninjau dan memperbarui Piagam dan membandingkannya dengan
untuk disesuaikan ketentuan peraturan perundang-undangan regulasi terbaru serta praktik terbaik dalam manajemen risiko. Berdasarkan evaluasi
yang berlaku. yang telah dilakukan untuk tahun buku 2025, Piagam Komite Pemantau Risiko yang
ada saat ini dinilai masih relevan dan sesuai dengan regulasi yang berlaku.
Evaluating the Risk Oversight Committee Charter periodically Reviewing and updating the Charter on a regular basis and comparing it with the latest
to comply with the provisions of applicable laws and regulations and best practices in risk management. Based on the evaluation conducted
regulations. for the 2025 financial year, the current Risk Oversight Committee Charter is still
considered relevant and in line with the prevailing regulations.
Rapat Meeting
Komite Pemantau Risiko wajib menyelenggarakan rapat The Risk Oversight Committee is required to hold
paling sedikit 1 kali dalam 3 bulan. Sepanjang tahun 2025, meetings at least once every 3 months. Throughout 2025,
Komite Pemantau Risiko telah menyelenggarakan rapat the Risk Oversight Committee held a total of 4 meetings.
sebanyak 4 kali. Adapun tingkat kehadiran dalam setiap The attendance rate at each of these meetings was recorded
rapat tersebut tercatat sebagai berikut. as follows.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Hyacintus Henri Djantoko 4 4 100,00
Chairman
Anggota
Emma Paulina Balubun 4 4 100,00
Member
Anggota
Charles Hanafie 4 4 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Pemantau The competency development for the members of
Risiko dikelola secara sistematis oleh Departemen the Risk Oversight Committee is managed systematically by
Talent Management, yang bertanggung jawab untuk the Talent Management Department, which is responsible
mengoordinasikan berbagai program pelatihan dan for coordinating various training and development programs
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Corporate Governance
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with the needs and challenges encountered.
yang dihadapi. Pengembangan kompetensi ini dapat Such competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mandiri mentoring, and relevant self-directed learning. This process
yang relevan. Proses ini juga didokumentasikan secara rapi is also properly documented to ensure continuity and to
untuk memastikan keberlanjutan dan evaluasi efektivitas facilitate evaluation of the effectiveness of the competency
pengembangan kompetensi, sehingga anggota Komite development initiatives, thereby enabling members of
Pemantau Risiko dapat terus meningkatkan kapabilitas dan the Risk Oversight Committee to continuously enhance their
kontribusinya dalam mendukung penerapan GCG Perseroan. capabilities and contributions in supporting the Company’s
GCG implementation.
Sepanjang tahun 2025, seluruh anggota Komite Pemantau Throughout 2025, all members of the Risk Oversight
Risiko telah melaksanakan berbagai kegiatan pengembangan Committee participated in various competency development
kompetensi. Informasi mengenai pengembangan kompetensi activities. Information regarding the competency
yang diikuti oleh Bapak Hyacintus Henri Djantoko selaku development programs attended by Mr. Hyacintus Henri
Ketua Komite Pemantau Risiko telah diungkapkan dalam Djantoko, in his capacity as Chairman of the Risk Oversight
pembahasan pengembangan kompetensi Dewan Komisaris. Committee, has been disclosed in the explanation of
Sedangkan, pengembangan kompetensi yang diikuti oleh the competency development for the Board of
Anggota Komite Pemantau Risiko lainnya diungkapkan Commissioners. Meanwhile, the competency development
sebagai berikut. activities attended by the other Members of the Risk
Oversight Committee are as follows.
Nama Jabatan Topik Pengembangan Kompetensi Waktu Penyelenggara
Name Position Competency Development Subject Time Organizer
Emma Paulina Anggota RiskHub - Securing the Unseen: Data, Threats, & 30 April 2025 ERMA
Balubun Member the Future of Cyber Risk Management. April 30th, 2025
Charles Anggota Webinar "Determining the Risk Strategy in 7 Januari 2025 LSPMR
Hanafie Member the Challenges of Environmental, Social and Macro April 30th, 2025
Economic Changes".
Komite Kebijakan Tata Kelola Perusahaan Good Corporate Governance Committee
Komite Kebijakan Tata Kelola Perusahaan berfungsi sebagai The Good Corporate Governance Committee serves
penasihat strategis dalam merumuskan dan mengawasi as a strategic advisor in formulating and overseeing
pelaksanaan prinsip-prinsip GCG di Perseroan. Komite the implementation of GCG principles within the Company.
Kebijakan Tata Kelola Perusahaan memastikan bahwa The Good Corporate Governance Committee ensures
seluruh kebijakan dan praktik Perseroan sejalan dengan that all Company policies and practices are aligned with
standar regulasi serta etika bisnis yang berlaku, sekaligus applicable regulatory standards and business ethics,
mendorong transparansi, akuntabilitas, dan tanggung while also promoting transparency, accountability, and
jawab dalam setiap aspek operasional. Dengan peran responsibility across all aspects of operations. Through its
yang proaktif, Komite Kebijakan Tata Kelola Perusahaan proactive role, the Good Corporate Governance Committee
membantu menciptakan budaya perusahaan yang kuat helps foster a strong and sustainable corporate culture,
dan berkelanjutan, mendukung pencapaian tujuan jangka supports the achievement of long-term objectives, and
panjang serta menjaga kepercayaan pemangku kepentingan. maintains stakeholder trust.
Pedoman Kerja Work Guidelines
Komite Kebijakan Tata Kelola Perusahaan melaksanakan The Good Corporate Governance Committee carries out
tugas dan tanggung jawabnya dengan berpedoman pada its duties and responsibilities in accordance with the Good
Piagam Komite Kebijakan Tata Kelola Perusahaan yang telah Corporate Governance Committee's Charter, which was
disahkan dan diperbarui pada tanggal 6 Juli 2022. Piagam approved and last updated on July 6th, 2022. The Charter
tersebut dibuat dengan mengacu pada prinsip-prinsip GCG was formulated with reference to generally accepted GCG
yang umum diterapkan, sekaligus mematuhi peraturan principles and in compliance with applicable laws and
perundang-undangan yang berlaku di sektor asuransi dan regulations in the insurance and capital market sectors.
pasar modal.
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Tata Kelola Perusahaan
Komposisi Composition
Informasi mengenai komposisi Komite Kebijakan Tata Kelola Information regarding the composition of the Good Corporate
Perusahaan per 31 Desember 2025 diuraikan sebagai berikut. Governance Committee as of December 31st, 2025, is
presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ali Chendra Ketua Teknologi Informasi dan Manajemen
Risiko Diangkat berdasarkan Surat Keputusan Dewan Komisaris
No. SK-005/BOC-CS/I/2025 tanggal 21 Januari 2025. Periode
Chairman Information Technology and Risk jabatan mengikuti masa kerja Dewan Komisaris yang ditetapkan
Management dalam Anggaran Dasar.
Johannes Agus* Anggota Ekonomi (Manajemen) Commissioners No. SK-005/BOC-CS/I/2025 dated
Member Economics (Management) January 21st, 2025. The office term follows the Board of
Commissioners office term as stipulated in the Articles of
Satini Kartika Sari Anggota Hukum Association.
Member Legal
*)
Efektif tidak menjabat sebagai Anggota Komite Tata Kelola Perusahaan dikarenakan telah meninggal dunia pada tanggal 23 April 2025.
Effectively resigned as a Member of the Corporate Governance Committee due to his death on April 23rd, 2025
Independensi Independency
Komite Kebijakan Tata Kelola Perusahaan harus menjaga The Good Corporate Governance Committee must maintain
independensinya agar dapat menjalankan fungsi pengawasan its independence to carry out its oversight function objectively
secara objektif dan bebas dari pengaruh kepentingan yang and free from any influence of conflicting interests that could
dapat mengganggu penilaian profesionalnya. Independensi compromise its professional judgment. This independence is
ini bertujuan untuk memastikan bahwa setiap keputusan intended to ensure that all decisions and recommendations
dan rekomendasi yang dihasilkan benar-benar berdasarkan are made based on rational and transparent considerations,
pertimbangan yang rasional dan transparan, sehingga thereby fostering the confidence of all stakeholders in
dapat mendukung kepercayaan seluruh pemangku the Company’s GCG implementation. By maintaining its
kepentingan terhadap proses penerapan GCG di Perseroan. independence, the Good Corporate Governance Committee
Dengan menjaga independensi, Komite Kebijakan Tata is able to play an effective role in strengthening the integrity
Kelola Perusahaan dapat berperan secara efektif dalam and credibility of the oversight exercised by the Board of
memperkuat integritas dan kredibilitas pengawasan yang Commissioners.
dilaksanakan oleh Dewan Komisaris.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as
program kerja Komite Kebijakan Tata Kelola Perusahaan well as the realization of the Good Corporate Governance
pada tahun 2025 diuraikan sebagai berikut. Committee’s work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengkaji kebijakan tata kelola perusahaan yang baik yang Secara teliti meninjau kebijakan yang diusulkan untuk memastikan bahwa kebijakan
disusun oleh Direksi. tersebut memenuhi standar tata kelola yang baik, selaras dengan prinsip-prinsip
GCG, serta memenuhi regulasi yang berlaku. Kajian ini mencakup analisis terhadap
perkembangan regulasi yang baru di tahun 2025 sehingga perlu untuk disesuaikan
dalam kegiatan Perseroan, seperti:
1. Peraturan OJK No. 33 Tahun 2025 tentang Penilaian Tingkat Kesehatan dan
Perusahaan Perasuransian, Lembaga Penjamin, Dana Pensiun;
2. Peraturan OJK No. 36 Tahun 2025 tentang Penguatan Ekosistem Asuransi
Kesehatan;
3. Peraturan OJK No. 38 Tahun 2025 tentang Gugatan oleh Otoritas Jasa Keuangan
untuk Pelindungan Konsumen di Sektor Jasa Keuangan; serta
4. Peraturan OJK No. 26 Tahun 2025 tentang Pengelolaan Aset dan Liabilitas
Perusahaan Asuransi dan Perusahaan Reasuransi.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Reviews the good corporate governance policy prepared Thoroughly reviewing the proposed policies to ensure that they meet good governance
by the Board of Directors. standards, are aligned with GCG principles, and comply with applicable regulations.
This review includes an analysis of new regulatory developments in 2025 that need to
be adjusted in the Company’s activities, such as:
1. OJK Regulation No. 33 of 2025 on the Assessment of the Financial Soundness of
Insurance Companies, Guarantee Institutions, and Pension Funds;
2. OJK Regulation No. 36 of 2025 on the Strengthening of the Health Insurance
Ecosystem;
3. OJK Regulation No. 38 of 2025 on Lawsuits Filed by the Financial Services Authority
for Consumer Protection in the Financial Services Sector; and
4. OJK Regulation No. 26 of 2025 on Asset and Liability Management of Insurance and
Reinsurance Companies.
Menilai konsistensi penerapan tata kelola perusahaan Melakukan penilaian menyeluruh terhadap praktik tata kelola yang diterapkan untuk
yang baik, termasuk yang berkaitan dengan etika bisnis memastikan bahwa Perseroan mematuhi prinsip-prinsip etika dan menjalankan CSR
dan tanggung jawab sosial perusahaan (corporate social secara konsisten. Komite Kebijakan Tata Kelola Perusahaan meninjau kebijakan dan
responsibility). implementasi terkait etika bisnis dan CSR, mengevaluasi dampak sosial dari kegiatan
Perseroan, serta memastikan bahwa seluruh aspek sesuai dengan standar yang
ditetapkan dan harapan pemangku kepentingan.
Assesses the consistency of good corporate governance Performing a thorough assessment of the governance practices implemented to ensure
implementation, including in terms of business ethics and that the Company adheres to ethical principles and carries out CSR consistently.
corporate social responsibility. The Good Corporate Governance Committee reviews policies and implementation
related to business ethics and CSR, evaluates the social impact of the Company’s
activities, and ensures that all aspects are in line with established standards and
stakeholder expectations.
Mengevaluasi piagam Komite Kebijakan Tata Kelola Perusahaan Secara rutin meninjau dan memperbarui Piagam Komite Kebijakan Tata Kelola
secara berkala disesuaikan dengan perkembangan ketentuan Perusahaan dan membandingkannya dengan regulasi terbaru serta praktik terbaik
peraturan perundang-undangan. dalam manajemen risiko. Berdasarkan evaluasi yang dilakukan untuk tahun buku 2025,
Piagam Komite Kebijakan Tata Kelola Perusahaan dinilai masih relevan dan sesuai
dengan regulasi yang berlaku.
Evaluating the Corporate Governance Policy Committee Regularly reviewing and updating theGood Corporate Governance Committee Charter
charter periodically in accordance with developments in laws and comparing it with the latest regulations and best practices in risk management.
and regulations. Based on the evaluation conducted for the 2025 financial year, the Good Corporate
Governance Committee Charter is considered still relevant and in accordance with
the prevailing regulations.
Rapat Meeting
Komite Kebijakan Tata Kelola Perusahaan wajib The Good Corporate Governance Committee is required
menyelenggarakan rapat paling sedikit 1 kali dalam to hold meetings at least once every 6 months. Throughout
6 bulan. Sepanjang tahun 2025, Komite Kebijakan Tata 2025, the Good Corporate Governance Committee held
Kelola Perusahaan telah menyelenggarakan rapat sebanyak a total of 2 meetings. The attendance rate for each of these
2 kali. Adapun tingkat kehadiran dalam setiap rapat tersebut meetings is presented as follows.
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Ali Chendra 2 2 100,00
Chairman
Anggota
Satini Kartika Sari 2 2 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Kebijakan The competency development for the members of
Tata Kelola Perusahaan dikelola secara sistematis oleh the Good Corporate Governance Committee is managed
Departemen Talent Management, yang bertanggung jawab systematically by the Talent Management Department,
untuk mengoordinasikan berbagai program pelatihan dan which is responsible for coordinating various training and
pengembangan sesuai dengan kebutuhan serta tantangan development programs in accordance with the needs and
yang dihadapi. Pengembangan kompetensi ini dapat challenges encountered. Such competency development
dilakukan melalui berbagai bentuk, seperti pelatihan formal, can be conducted in various forms, including formal training,
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Tata Kelola Perusahaan
workshop, seminar, mentoring, hingga pembelajaran mandiri workshops, seminars, mentoring, and relevant self-directed
yang relevan. Proses ini juga didokumentasikan secara rapi learning. This process is also properly documented to ensure
untuk memastikan keberlanjutan dan evaluasi efektivitas continuity and to facilitate evaluation of the effectiveness of
pengembangan kompetensi, sehingga anggota Komite the competency development initiatives, thereby enabling
Kebijakan Tata Kelola Perusahaan dapat terus meningkatkan members of the Good Corporate Governance Committee to
kapabilitas dan kontribusinya dalam mendukung penerapan continuously enhance their capabilities and contributions in
GCG di Perseroan. supporting the Company’s GCG implementation.
Sepanjang tahun 2025, seluruh anggota Komite Kebijakan Throughout 2025, all members of the Good Corporate
Tata Kelola Perusahaan telah melaksanakan berbagai Governance Committee participated in various competency
kegiatan pengembangan kompetensi. Informasi mengenai development activities. Information regarding the competency
pengembangan kompetensi yang diikuti oleh Bapak Ali development programs attended by Mr. Ali Chendra and
Chendra dan Ibu Satini Kartika Sari selaku Ketua dan Anggota Mrs. Satini Kartika Sari, in their capacities as Chairman and
Komite Kebijakan Tata Kelola Perusahaan telah diungkapkan Member of the Good Corporate Governance Committee,
dalam pembahasan pengembangan kompetensi Dewan respectively, has been disclosed in the explanation of
Komisaris dan Sekretaris Perusahaan. the competency development for the Board of Commissioners
and Corporate Secretary.
Komite di Bawah Direksi
Committees Under the Board of Directors
Komite di Bawah Direksi terdiri dari berbagai komite dan Committees under the Board of Directors consist of
unit yang berperan penting dalam mendukung operasional various committees and units that play an important role
serta pengambilan keputusan strategis Perseroan. Komite in supporting the Company’s operations and strategic
tersebut meliputi Komite Investasi, Komite Pengembangan decision-making. These committees include the Investment
Produk, Komite Medis, Komite Pengarah Teknologi Informasi, Committee, Product Development Committee, Medical
Komite Manajemen Risiko, APU PPT & PPPSPM, Unit Anti- Committee, Information Technology Steering Committee,
Fraud, Unit Pelindungan Konsumen dan Masyarakat, Unit Risk Management Committee, AML - CFT & CPF, Anti-Fraud
Corporate Social Responsibility, Unit Edukasi Literasi dan Unit, Consumer and Public Protection Unit, Corporate Social
Inklusi Keuangan, Unit Asset & Liability Management, Unit Responsibility Unit, Financial Literacy and Inclusion Education
Aksi Keuangan Berkelanjutan, Departemen Enterprise Risk Unit, Asset and Liability Management Unit, Sustainable
Management, dan Unit Pelindungan Data Pribadi, yang Financial Action Unit, Corporate Risk Management
secara kolektif berkontribusi dalam menjalankan fungsi Department, and Personal Data Protection Unit. Collectively,
pengawasan, pengelolaan risiko, dan pengembangan these committees and units contribute to the implementation
Perseroan secara menyeluruh. of oversight functions, risk management, and the overall
development of the Company.
Komite Investasi Investment Committee
Komite Investasi memiliki peran strategis dalam mengawasi The Investment Committee plays a strategic role in
dan mengevaluasi kebijakan dan keputusan investasi overseeing and evaluating the Company’s investment
Perseroan untuk memastikan alokasi dana berjalan efektif policies and decisions to ensure that the allocation of
dan memberikan hasil optimal. Komite Investasi bertugas funds is carried out effectively and delivers optimal returns.
menilai risiko dan potensi keuntungan dari berbagai The Investment Committee is responsible for assessing
peluang investasi, sekaligus memastikan kepatuhan the risks and potential returns of various investment
terhadap kebijakan investasi yang telah ditetapkan. Dengan opportunities, while also ensuring compliance with
pengelolaan yang cermat dan terukur, Komite Investasi established investment policies. Through prudent and
membantu Perseroan mencapai pertumbuhan yang measured management, the Investment Committee helps
berkelanjutan sekaligus meminimalkan risiko finansial yang the Company achieve sustainable growth while minimizing
dapat memengaruhi stabilitas Perseroan. financial risks that could affect the Company’s stability.
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Corporate Governance
Pedoman Kerja Work Guidelines
Komite Investasi melaksanakan tugas dan tanggung The Investment Committee carries out its duties and
jawabnya dengan berpedoman pada Piagam Komite responsibilities in accordance with the Investment
Investasi yang telah disahkan dan diperbarui pada tanggal Committee’s Charter, which was approved and last updated
9 Mei 2022. Piagam tersebut dibuat dengan mengacu on May 9th, 2022. The Charter was formulated with reference
pada prinsip-prinsip GCG yang umum diterapkan, sekaligus to generally accepted GCG principles and in compliance
mematuhi peraturan perundang-undangan yang berlaku with applicable laws and regulations in the insurance and
di sektor asuransi dan pasar modal. capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Investasi per Information regarding the composition of the Investment
31 Desember 2025 diuraikan sebagai berikut. Committee as of December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Kwon Gi Han Ketua Aktuarial dan Manajemen Risiko
Chairman Actuarial and Risk Management
Diangkat berdasarkan Surat Keputusan Direksi
Jessy Christina Anggota Statistika, Underwriting, dan Tenaga Ahli
No. SK 220/DIR-CS/VII/2024 tanggal 1 Juli 2024. Periode
Hutagalung Perusahaan dengan gelar AAIK
jabatan mengikuti masa kerja Direksi yang ditetapkan dalam
Member Statistics, Underwriting, and Company Anggaran Dasar.
Expert with AAIK certification Appointed by the Decree of the Board of Directors
No. SK 220/DIR-CS/VII/2024 dated July 1st, 2024. The office
Gabriella Anastasia Anggota Aktuaria dengan gelar FSAI
term follows the Board of Directors office term as stipulated in
Member Actuarial with FSAI certification
the Articles of Association.
Viyanty Salim Anggota Akuntansi dan Keuangan
Member Accounting and Finance
Independensi Independency
Perseroan memastikan bahwa anggota Komite Investasi yang The Company ensures that the current members of
sedang menjabat dapat menjalankan tugas dan tanggung the Investment Committee carry out their duties and
jawabnya secara independen tanpa adanya intervensi dari responsibilities independently, without any intervention
Dewan Komisaris, Direksi, maupun Pemegang Saham. from the Board of Commissioners, Board of Directors, or
Hal ini dilakukan untuk menjaga objektivitas dan integritas Shareholders. This is intended to preserve objectivity and
dalam pengambilan keputusan serta memastikan Komite integrity in decision-making and to ensure that the Investment
Investasi dapat bekerja secara profesional dan transparan Committee operates in a professional and transparent
demi kepentingan terbaik Perseroan. Dengan demikian, manner in the best interests of the Company. Accordingly,
independensi Komite Investasi menjadi salah satu prinsip the independence of the Investment Committee is upheld as
utama yang dijaga untuk mendukung tata kelola perusahaan one of the key principles supporting the implementation of
yang baik. good corporate governance.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as
program kerja Komite Investasi pada tahun 2025 diuraikan well as the realization of the Investment Committee’s work
sebagai berikut. programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Merumuskan dan menetapkan kebijakan investasi dengan Komite Investasi merumuskan dan menetapkan kebijakan investasi dengan prinsip
prinsip kehati-hatian. kehati-hatian, memastikan bahwa setiap keputusan investasi dilakukan dengan
pertimbangan risiko yang matang dan sesuai dengan kebutuhan Perseroan serta
sesuai dengan kebijakan atau regulasi yang berlaku. Salah satu fokus Perseroan
dalam kebijakan investasi adalah penempatan investasi dengan mempertimbangkan
Keamanan, Likuiditas, Profitabilitas, dan Solvabilitas. Kebijakan ini dibuat untuk
melindungi aset Perseroan, meminimalkan risiko, dan mencapai hasil investasi yang
optimal sesuai dengan tujuan dan strategi jangka panjang Perseroan.
Formulates and stipulates investment policy with prudent The Investment Committee formulates and sets investment policies with prudent
principles. principles, ensuring that every investment decision is made with careful consideration
of risks and in accordance with the needs of the Company and in accordance with
applicable policies or regulations. One of the Company’s focuses in investment policy
was investment placement by considering Security, Liquidity, Profitability, and Solvency.
This policy was made to protect the Company’s assets, minimize risks, and achieve
optimal investment returns in accordance with the Company’s long-term goals and
strategies.
Mengawasi pelaksanaan kebijakan investasi yang telah Komite Investasi memastikan bahwa seluruh aktivitas investasi sesuai dengan peraturan
ditetapkan oleh Perseroan dengan memperhatikan ketentuan yang berlaku dan kebijakan yang telah ditetapkan, serta melakukan penyesuaian yang
perundang-undangan di bidang perasuransian dan pasar diperlukan untuk memastikan kepatuhan dan efektivitas investasi.
modal yang berkaitan dengan investasi.
Supervises implementation of investment policy set by The Investment Committee ensured that all investment activities were in accordance
the Company by taking into account the prevailing laws and with applicable regulations and established policies, and made necessary adjustments
regulations in insurance and capital market pertaining to to ensure compliance and effectiveness of investments.
investment.
Mengusulkan kepada Direksi maupun satuan kerja yang Komite Investasi merekomendasikan alternatif instrumen investasi yang kompetitif,
mengelola investasi terkait alternatif instrumen investasi yang aman, dan risikonya terkelola dengan baik sehingga dapat digunakan sesuai dengan
kompetitif dan aman. kebutuhan Perseroan.
Proposes competitive and safe investment instrument The Investment Committee recommends alternative investment instruments that are
alternatives to the Board of Directors or work unit managing competitive, safe, and the risks are well managed so that they can be used in accordance
the investment. with the needs of the Company.
Rapat Meeting
Komite Investasi wajib menyelenggarakan rapat paling The Investment Committee is required to hold meetings
sedikit 4 kali dalam setahun. Sepanjang tahun 2025, Komite at least 4 times a year. Throughout 2025, the Investment
Investasi telah menyelenggarakan rapat sebanyak 4 kali. Committee held a total of 4 meetings. The attendance rate at
Adapun tingkat kehadiran dalam setiap rapat tersebut each of these meetings was recorded as follows.
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Kwon Gi Han 4 4 100,00
Chairman
Anggota
Jessy Christina Hutagalung 4 4 100,00
Member
Anggota
Gabriella Anastasia 4 4 100,00
Member
Anggota
Viyanty Salim 4 4 100,00
Member
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Corporate Governance
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Investasi dikelola The competency development for the members of
secara sistematis oleh Departemen Talent Management, the Investment Committee is managed systematically by
yang bertanggung jawab untuk mengoordinasikan berbagai the Talent Management Department, which is responsible
program pelatihan dan pengembangan sesuai dengan for coordinating various training and development programs
kebutuhan serta tantangan yang dihadapi. Pengembangan in accordance with the needs and challenges encountered.
kompetensi ini dapat dilakukan melalui berbagai bentuk, Such competency development can be conducted in
seperti pelatihan formal, workshop, seminar, mentoring, various forms, including formal training, workshops,
hingga pembelajaran mandiri yang relevan. Proses ini seminars, mentoring, and relevant self-directed learning.
juga didokumentasikan secara rapi untuk memastikan This process is also properly documented to ensure
keberlanjutan dan evaluasi efektivitas pengembangan continuity and to facilitate evaluation of the effectiveness of
kompetensi, sehingga anggota Komite Investasi dapat the competency development initiatives, thereby enabling
terus meningkatkan kapabilitas dan kontribusinya dalam members of the Investment Committee to continuously
mendukung tata kelola perusahaan yang baik. enhance their capabilities and contributions in supporting
the implementation of good corporate governance.
Sepanjang tahun 2025, seluruh anggota Komite Investasi Throughout 2025, all members of the Investment Committee
telah melaksanakan berbagai kegiatan pengembangan participated in various competency development activities.
kompetensi. Informasi mengenai pengembangan kompetensi Information regarding the competency development
yang diikuti oleh Bapak Kwon Gi Han selaku Ketua programs attended by Mr. Kwon Gi Han, in his capacity as
Komite Investasi telah diungkapkan dalam pembahasan Chairman of the Investment Committee, has been disclosed
pengembangan kompetensi Direksi. Sedangkan, in the explanation of the competency development for
pengembangan kompetensi yang diikuti oleh Anggota the Board of Directors. Meanwhile, the competency
Komite Investasi lainnya diungkapkan sebagai berikut. development activities attended by the other members of
the Investment Committee are as follows.
Kehadiran
Pengembangan Kompetensi Attendance
Competency Development Jessy Christina Gabriella
Viyanty Salim
Hutagalung Anastasia
Peran GRC dalam Meningkatkan Kepercayaan Investor dan Stabilitas
Sektor Keuangan.
-
The Role of GRC in Enhancing Investor Confidence and Financial Sector
Stability.
The 8th Indonesian Actuaries Summit. - -
Komite Pengembangan Produk Product Development Committee
Komite Pengembangan Produk berperan penting dalam The Product Development Committee plays an important
merancang, mengevaluasi, dan mengawasi inovasi produk role in designing, evaluating, and overseeing product
agar sesuai dengan kebutuhan pasar dan strategi Perseroan. innovations to ensure alignment with market needs and
Komite Pengembangan Produk memastikan setiap produk the Company’s strategic objectives. The Product Development
baru yang dikembangkan memenuhi standar kualitas, Committee ensures that each new product developed meets
regulasi, dan menawarkan nilai tambah bagi nasabah. applicable quality standards, regulations, and offers added
Dengan pendekatan yang terstruktur dan kolaboratif, value to customers. Through a structured and collaborative
Komite Pengembangan Produk membantu Perseroan tetap approach, the Product Development Committee helps
kompetitif dan responsif terhadap perubahan tren serta the Company remain competitive and responsive to changing
permintaan di industri, sehingga mendorong pertumbuhan industry trends and customer demand, thereby supporting
bisnis secara berkelanjutan. sustainable business growth.
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Tata Kelola Perusahaan
Pedoman Kerja Work Guidelines
Komite Pengembangan Produk melaksanakan tugas dan The Product Development Committee carries out its
tanggung jawabnya dengan berpedoman pada Piagam duties and responsibilities in accordance with the Product
Komite Pengembangan Produk yang telah disahkan dan Development Committee’s Charter, which was approved and
diperbarui pada tanggal 19 Juli 2024. Piagam tersebut dibuat last updated on July 19th, 2024. The Charter was formulated
dengan mengacu pada prinsip-prinsip GCG yang umum with reference to generally accepted GCG principles and
diterapkan, sekaligus mematuhi peraturan perundang- in compliance with applicable laws and regulations in
undangan yang berlaku di sektor asuransi dan pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Pengembangan Information regarding the composition of the Product
Produk per 31 Desember 2025 diuraikan sebagai berikut. Development Committee as of December 31st, 2025, is
presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Gilbert Deddy Ketua Manajemen Risiko dan Operasional
Naibaho Chairman Risk Management and Operations
Timmie Manglassa Anggota AAAIK, Underwriting, dan Pengembangan
Member Produk
AAAIK, Underwriting, and Product
Development
Evan Parulian Anggota AAAIK dan Pemasaran
Hutagalung Member AAAIK and Marketing
Diangkat berdasarkan Surat Keputusan Direksi
Putri Citra Mentari Anggota Underwriting dan Pengembangan Produk No. SK 235/DIR-CS/VI/2025 tanggal 2 Juni 2025. Periode
Member Underwriting and Product Development jabatan mengikuti masa jabatan Direksi yang ditetapkan
dalam Anggaran Dasar.
Charles Hanafie Anggota Manajemen Risiko, Underwriting,
Appointed by the Decree of the Board of Directors
Pemasaran Digital, dan Pengembangan
No. SK 235/DIR-CS/VI/2025 dated June 2nd, 2025.
Produk
The office term follows the Board of Directors office term
Member Risk Management, Underwriting, Digital as stipulated in the Articles of Association.
Marketing, and Product Development
William Kusmono Anggota CNLA dan Underwriting
Member CNLA and Underwriting
Gabriella Anastasia Anggota Aktuaria dengan gelar FSAI
Member Actuarial with FSAI certification
Edhita Ayu Anggota Underwriting dan Pengembangan Produk
Trihapsari Wibowo Member Underwriting and Product Development
Independensi Independency
Perseroan memastikan bahwa anggota Komite The Company ensures that the current members of
Pengembangan Produk yang sedang menjabat dapat the Product Development Committee carry out their duties
menjalankan tugas dan tanggung jawabnya secara and responsibilities independently, without any intervention
independen tanpa adanya intervensi dari Dewan Komisaris, from the Board of Commissioners, Board of Directors,
Direksi, maupun Pemegang Saham. Hal ini dilakukan untuk or Shareholders. This is intended to preserve objectivity
menjaga objektivitas dan integritas dalam pengambilan and integrity in decision-making and to ensure that
keputusan serta memastikan Komite Pengembangan the Product Development Committee operates professionally
Produk dapat bekerja secara profesional dan transparan and transparently in the best interests of the Company.
demi kepentingan terbaik Perseroan. Dengan demikian, Accordingly, the independence of the Product Development
independensi Komite Pengembangan Produk menjadi salah Committee is upheld as one of the key principles supporting
satu prinsip utama yang dijaga untuk mendukung penerapan GCG implementation.
GCG.
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Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Pengembangan Produk pada tahun as the realization of the Product Development Committee’s
2025 diuraikan sebagai berikut. work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Duties and Responsibilities
Meninjau dan memberikan rekomendasi atas: Reviewing and providing recommendations on:
1. Pengembangan produk asuransi berdasarkan hasil kajian atau 1. Development of insurance products based on the results of review or
pengujian atas produk asuransi. testing of insurance products.
2. Pengklasifikasian sebagai produk asuransi, yaitu: 2. Classification as insurance products:
a. Mendapatkan persetujuan dari OJK; atau a. Obtaining approval from OJK; or
b. Dilaporkan kepada OJK. b. Reporting to OJK.
3. Pemasaran produk asuransi, berupa: 3. Marketing of insurance products, in the form of:
a. Melanjutkan pemasaran produk asuransi; a. Continuing the marketing of insurance products;
b. Mengubah produk asuransi; dan/atau b. Changing insurance products; and/or
c. Menghentikan pemasaran produk asuransi. c. Discontinuing the marketing of insurance products.
Pemberian rekomendasi atas perubahan produk asuransi dilakukan The provision of recommendations for changes in insurance products is
berdasarkan hasil evaluasi atas kinerja setiap produk asuransi yang based on the results of an evaluation of the performance of each insurance
dilakukan oleh Aktuaris Perseroan. product conducted by the Company’s Actuary.
Rapat Meeting
Komite Pengembangan Produk wajib menyelenggarakan The Product Development Committee is required to
rapat paling sedikit 2 kali dalam setahun. Sepanjang hold meetings at least twice a year. Throughout 2025,
tahun 2025, Komite Pengembangan Produk telah the Product Development Committee held a total of
menyelenggarakan rapat sebanyak 7 kali. Adapun tingkat 7 meetings. The attendance rate at each of these meetings
kehadiran dalam setiap rapat tersebut tercatat sebagai was recorded as follows.
berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total of Meeting
(%)
Ketua
Gilbert Deddy Naibaho 7 7 100,00
Chairman
Anggota
Timmie Manglassa 7 7 100,00
Member
Anggota
Evan Parulian Hutagalung 7 7 100,00
Member
Anggota
Putri Citra Mentari 7 7 100,00
Member
Anggota
Charles Hanafie 6 7 85,71
Member
Anggota
William Kusmono 7 7 100,00
Member
Anggota
Gabriella Anastasia 7 7 100,00
Member
Edhita Ayu Trihapsari Anggota
5 7 71,43
Wibowo Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite The competency development for the members of
Pengembangan Produk dikelola secara sistematis oleh the Product Development Committee is managed
Departemen Talent Management, yang bertanggung jawab systematically by the Talent Management Department,
untuk mengoordinasikan berbagai program pelatihan which is responsible for coordinating various training and
dan pengembangan sesuai dengan kebutuhan serta development programs in accordance with the needs and
tantangan yang dihadapi. Pengembangan kompetensi ini challenges encountered. Such competency development
dapat dilakukan melalui berbagai bentuk, seperti pelatihan can be conducted in various forms, including formal training,
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 265
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Tata Kelola Perusahaan
formal, workshop, seminar, mentoring, hingga pembelajaran workshops, seminars, mentoring, and relevant self-directed
mandiri yang relevan. Proses ini juga didokumentasikan learning. This process is also properly documented to ensure
secara rapi untuk memastikan keberlanjutan dan evaluasi continuity and to facilitate evaluation of the effectiveness of
efektivitas pengembangan kompetensi, sehingga anggota the competency development initiatives, thereby enabling
Komite Pengembangan Produk dapat terus meningkatkan members of the Product Development Committee to
kapabilitas dan kontribusinya dalam mendukung tata kelola continuously enhance their capabilities and contributions
perusahaan yang baik. in supporting the implementation of good corporate
governance.
Sepanjang tahun 2025, seluruh anggota Komite Throughout 2025, all members of the Product Development
Pengembangan Produk telah melaksanakan berbagai Committee participated in various competency development
kegiatan pengembangan kompetensi. Informasi mengenai activities. Information regarding the competency development
pengembangan kompetensi yang diikuti oleh Bapak Gilbert programs attended by Mr. Gilbert Deddy Naibaho, in
Deddy Naibaho selaku Ketua Komite Pengembangan Produk his capacity as Chairman of the Product Development
telah diungkapkan dalam pembahasan pengembangan Committee, has been disclosed in the explanation of
kompetensi Direksi. Begitu juga dengan Bapak Charles the competency development for the Board of Directors.
Hanafie dan Ibu Gabriela Anastasia selaku Anggota Similarly, the competency development programs attended
Komite Pengembangan Produk telah diungkapkan dalam by Mr. Charles Hanafie and Mrs. Gabriela Anastasia, as
pembahasan pengembangan kompetensi Komite Pemantau Members of the Product Development Committee, have been
Risiko dan Komite Investasi. Sedangkan, pengembangan disclosed in the explanation of the competency development
kompetensi yang diikuti oleh Anggota Komite Pengembangan for the Risk Oversight Committee and the Investment
Produk lainnya diungkapkan sebagai berikut. Committee, respectively. Meanwhile, the competency
development activities attended by the other Members of
the Product Development Committee are described below.
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Evan Edhita Ayu
Timmie Putri Citra William
Parulian Trihapsari
Manglassa Mentari Kusmono
Hutagalung Wibowo
Workshop Asuransi Kredit.
- - -
Credit Insurance Workshop.
Membedah Ekosistem Asuransi Kredit.
- - - -
Exploring the Credit Insurance Ecosystem.
ESG & Risk Align, Adapt, & Accelerate. - - - -
Bedah Polis Asuransi Builder Risks.
- - - -
Builder Risk Insurance Policy Review.
Komite Medis Medical Committee
Komite Medis memiliki peran vital dalam memastikan bahwa The Medical Committee plays a vital role in ensuring that
seluruh layanan dan produk asuransi kesehatan yang all health insurance services and products offered by
ditawarkan Perseroan memenuhi standar medis dan etika the Company comply with applicable medical standards and
profesi. Komite Medis bertugas memberikan evaluasi dan professional ethics. The Medical Committee is responsible
rekomendasi terkait kebijakan medis, penanganan klaim, dan for providing evaluations and recommendations related
pengelolaan risiko kesehatan yang tepat. Dengan keahlian to medical policies, claims handling, and the effective
dan pengawasan yang mendalam, Komite Medis membantu management of health risks. With its expertise and in-depth
menjaga kualitas pelayanan, melindungi kepentingan oversight, the Medical Committee helps maintain service
pemegang polis, dan mendukung Perseroan dalam quality, protect the interests of policyholders, and support
menjalankan bisnis secara profesional serta bertanggung the Company in conducting its business professionally and
jawab. responsibly.
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Corporate Governance
Pedoman Kerja Work Guidelines
Komite Medis melaksanakan tugas dan tanggung jawabnya The Medical Committee carries out its duties and
dengan berpedoman pada Piagam Komite Medis yang telah responsibilities in accordance with the Medical Committee
disahkan dan diperbarui pada tanggal 3 November 2021. Charter, which was approved and last updated on
Piagam tersebut dibuat dengan mengacu pada prinsip-prinsip November 3rd, 2021. The Charter was developed with
GCG yang umum diterapkan, sekaligus mematuhi peraturan reference to generally accepted GCG principles and
perundang-undangan yang berlaku di sektor asuransi dan in compliance with applicable laws and regulations in
pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Medis per Information regarding the composition of the Medical
31 Desember 2025 diuraikan sebagai berikut. Committee as of December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
dr. Joseph Ketua
Kristopher Kun Chairman Diangkat berdasarkan Surat Keputusan Direksi
No. SK-209/DIR-CS/XII/2023 tanggal 7 Desember 2023,
Sekretaris yang susunan keanggotaannya terakhir diperbarui pada
dr. Nadia Sylvano
Secretary tanggal 6 Maret 2025. Periode jabatan mengikuti masa
kerja Direksi yang ditetapkan dalam Anggaran Dasar.
Anggota Medis dan Kedokteran
dr. Rudy Tjahjadi Appointed based on the Board of Directors’ Decision
Member Medical and Medicine
No. SK-209/DIR-CS/XII/2023 dated December 7th, 2023,
dr. Doddy Eka Anggota the composition of which was last updated on
Pratama Member March 6th, 2025. The office term follows the Board of
Directors’ office term as stipulated in the Articles of
Anggota Association.
dr. Billy Danarto
Member
Independensi Independency
Perseroan memastikan bahwa anggota Komite Medis yang The Company ensures that the current members of
sedang menjabat dapat menjalankan tugas dan tanggung the Medical Committee carry out their duties and
jawabnya secara independen tanpa adanya intervensi dari responsibilities independently, without any intervention
Dewan Komisaris, Direksi, maupun Pemegang Saham. from the Board of Commissioners, Board of Directors, or
Hal ini dilakukan untuk menjaga objektivitas dan integritas Shareholders. This is intended to preserve objectivity and
dalam pengambilan keputusan serta memastikan Komite integrity in decision-making and to ensure that the Medical
Medis dapat bekerja secara profesional dan transparan Committee operates professionally and transparently
demi kepentingan terbaik Perseroan. Dengan demikian, in the best interests of the Company. Accordingly,
independensi Komite Medis menjadi salah satu prinsip utama the independence of the Medical Committee is upheld as
yang dijaga untuk mendukung tata kelola perusahaan yang one of the key principles supporting the implementation of
baik. good corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Medis pada tahun 2025 diuraikan as the realization of the Medical Committee’s work programs
sebagai berikut. in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melakukan evaluasi pelayanan kepada pihak Tertanggung Melaksanakan evaluasi menyeluruh terhadap pelayanan medis yang diberikan kepada
untuk hal-hal yang terkait medis guna menunjang dinamika pihak Tertanggung berdasarkan literatur dan peraturan perundang-undangan yang
operasional Perseroan. berlaku.
Conducting regular evaluation to the Insured in terms of Performing a comprehensive evaluation of the medical services provided to the Insured
medical matters to support the Company’s operational based on the applicable literature and laws and regulations.
dynamics.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melakukan pembahasan dari suatu diagnosis penyakit/ Melakukan penelaahan atas diagnosis penyakit dan tindakan medis tertentu serta
tindakan medis terbaru dan menyimpulkan diagnosis/tindakan menyimpulkan bahwa diagnosis tersebut dapat dijaminkan sesuai dengan ketentuan
medis dapat dijaminkan sesuai dengan polis Perseroan. polis Perseroan. Dalam pembahasan terkait kondisi Alopecia dan Vitiligo, Komite Medis
menyatakan bahwa perawatan dapat dijaminkan apabila terdapat keluhan medis yang
menyertai, seperti gatal atau keluhan lain yang bersifat non-estetika, sedangkan apabila
keluhan hanya bersifat estetika, maka perawatan tidak direkomendasikan untuk dijamin.
Selain itu, Komite Medis juga meninjau penjaminan obat Vyepti yang pada dasarnya
bersifat preventif namun dapat digunakan secara kuratif, dengan kesimpulan bahwa
penggunaan Vyepti sebagai tindakan pencegahan tidak dapat dijaminkan, namun
apabila digunakan sebagai bagian dari pengobatan (kuratif), maka dapat dijaminkan
sesuai polis.
Conducting talks about a current medical diagnostic/ Reviewing disease diagnoses and certain medical treatments and concluding that
treatment and concluding that diagnosis/treatment can be such diagnoses may be covered in accordance with the Company’s policy provisions.
assured in accordance with the Company’s policy. In discussions regarding Alopecia and Vitiligo, the Medical Committee stated that
treatment may be covered if accompanied by medical complaints, such as itching
or other non‑aesthetic conditions, however, if the complaint is purely aesthetic,
coverage is not recommended. In addition, the Medical Committee also reviewed
the coverage of Vyepti, which is primarily preventive but can be used curatively,
concluding that its use as a preventive measure cannot be covered, whereas its use as
part of curative treatment may be covered under the policy.
Membantu memberikan rekomendasi dalam pengambilan Aktif membantu Direksi dengan memberikan rekomendasi yang komprehensif terkait
keputusan Direksi yang berkaitan dengan klaim medis. pengambilan keputusan atas klaim medis dengan mengacu pada beberapa sumber,
seperti literatur, pedoman yang dikeluarkan pemerintah, peraturan perundang-
undangan yang berlaku, maupun beberapa jurnal nasional dan internasional. Dalam
menjalankan tugas ini, Komite Medis melakukan analisis mendalam terhadap setiap
klaim, meninjau kelengkapan dokumen medis, dan mempertimbangkan ketentuan polis
yang berlaku.
Assisting in formulating suggestions for the Board of Directors’ Actively assisting the Board of Directors by providing comprehensive recommendations
decisions about medical claims. related to decision-making on medical claims by referring to several sources, such as
literature, guidelines issued by the government, applicable laws and regulations, as
well as several national and international journals. In carrying out this task, the Medical
Committee conducts in-depth analysis of each claim, reviews the completeness of
medical documents, and considers applicable policy provisions.
Membuat program-program terkait isu lingkungan, isu Mengadakan pelatihan yang ditujukan kepada Tim K3 LGI mengenai edukasi kejang,
kesehatan, dan isu media yang terdapat di lingkungan kerja. salah satunya tentang pertolongan pertama pada situasi kejang. Program edukasi ini
diberikan dalam bentuk pemaparan materi dan praktik yang diikuti oleh Tim K3 LGI
pada bulan Juli 2025.
Developing programs that related to environmental issues, Organizing training for the LGI’s OHS Team, focusing on seizure education, including
health issues, and media issues in the work environment. first-aid procedures for seizure situations. This educational program was delivered
through both presentations and practical sessions and was attended by the LGI’s OHS
Team in July 2025.
Berkoordinasi dengan seluruh pihak-pihak terkait baik Merancang dan menjalankan program untuk meningkatkan kesehatan menial melalui
secara internal maupun secara eksternal, yaitu pihak lain, program LGI FitLife Challenge yang merupakan perlombaan 1 tahun bertujuan untuk
seperti vendor (jika dibutuhkan dalam rangka mendukung meningkatkan kesehatan dan kesejahteraan seluruh karyawan, yang dimulai dari
pelaksanaan program/kegiatan Komite Medis). kelompok menial. Program ini dirancang untuk memberikan sarana, pengetahuan, dan
motivasi yang dibutuhkan agar mereka dapat menerapkan gaya hidup yang lebih sehat.
Coordinating with all relevant parties both internally Designing and implementing a program to improve menial health through
and externally, such as vendors (if needed, to support the LGI FitLife Challenge, a 1-year competition aimed at enhancing the health and
the implementation of the Medical Committee programs/ well-being of all employees, starting with menial health groups. The program is
activities). designed to provide participants with the tools, knowledge, and motivation needed to
adopt a healthier lifestyle.
Rapat Meeting
Komite Medis wajib menyelenggarakan rapat paling sedikit The Medical Committee is required to hold meetings at least
4 kali dalam setahun. Sepanjang tahun 2025, Komite Medis 4 times a year. Throughout 2025, the Medical Committee
telah menyelenggarakan rapat sebanyak 10 kali. Adapun held a total of 10 meetings. The attendance rate at each of
tingkat kehadiran dalam setiap rapat tersebut tercatat these meetings was recorded as follows.
sebagai berikut.
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Corporate Governance
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
dr. Joseph Kristopher Kun 10 10 100,00
Chairman
Sekretaris
dr. Nadia Sylvano 10 10 100,00
Secretary
Anggota
dr. Rudy Tjahjadi 10 10 100,00
Member
Anggota
dr. Doddy Eka Pratama 10 10 100,00
Member
Anggota
dr. Billy Danarto 10 10 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Medis dikelola The competency development for the Medical Committee
secara sistematis oleh Departemen Talent Management, members is managed systematically by the Talent
yang bertanggung jawab untuk mengoordinasikan berbagai Management Department, which is responsible for
program pelatihan dan pengembangan sesuai dengan coordinating various training and development programs in
kebutuhan serta tantangan yang dihadapi. Pengembangan accordance with identified needs and prevailing challenges.
kompetensi ini dapat dilakukan melalui berbagai bentuk, Such competency development can be conducted in various
seperti pelatihan formal, workshop, seminar, mentoring, forms, including formal training, workshops, seminars,
hingga pembelajaran mandiri yang relevan. Proses ini mentoring, and relevant self-directed learning. This process
juga didokumentasikan secara rapi untuk memastikan is also properly documented to ensure continuity and
keberlanjutan dan evaluasi efektivitas pengembangan to enable evaluation of the effectiveness of competency
kompetensi, sehingga anggota Komite Medis dapat development, thereby allowing Medical Committee members
terus meningkatkan kapabilitas dan kontribusinya dalam to continuously enhance their capabilities and contributions
mendukung tata kelola perusahaan yang baik. in supporting the implementation of good corporate
governance.
Sepanjang tahun 2025, seluruh anggota Komite Medis Throughout 2025, all members of the Medical Committee
telah melaksanakan berbagai kegiatan pengembangan participated in various competency development activities.
kompetensi. Informasi mengenai pengembangan kompetensi Information regarding the competency development
yang diikuti oleh Anggota Komite Medis diungkapkan programs attended by the Medical Committee members is
sebagai berikut. as follows.
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development dr. Joseph dr. Nadia dr. Rudy dr. Doddy dr. Billy
Kristopher Kun Sylvano Tjahjadi Eka Pratama Danarto
Transform Your Plate, Transform Your
- - -
Life.
Seminar Health Resilience. - - - -
Work Smarter Stay Healthier: Easy
- - - -
Diabetes Prevention for Professionals!
Pandemic 2.0 What You Need to Know
- - - -
about HMPV and Influenza A.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 269
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Tata Kelola Perusahaan
Komite Pengarah Teknologi Informasi Information Technology Steering
Committee
Komite Pengarah Teknologi Informasi berperan penting The Information Technology Steering Committee plays an
dalam mengarahkan dan mengawasi implementasi strategi important role in directing and overseeing the implementation
Teknologi Informasi (TI) Perseroan agar selaras dengan of the Company’s Information Technology (IT) strategy
tujuan bisnis secara keseluruhan. Komite Pengarah Teknologi to ensure its alignment with overall business objectives.
Informasi memastikan bahwa penggunaan TI dapat The Information Technology Steering Committee ensures
mendukung efisiensi operasional, keamanan data, dan inovasi that the utilization of IT supports operational efficiency,
digital yang berkelanjutan. Dengan pengelolaan yang tepat, data security, and sustainable digital innovation. Through
Komite Pengarah Teknologi Informasi membantu Perseroan effective governance, the Information Technology Steering
beradaptasi dengan perkembangan TI, meningkatkan daya Committee assists the Company in adapting to developments
saing, dan menghadirkan layanan yang lebih baik kepada in IT, enhancing competitiveness, and delivering improved
nasabah. services to customers.
Pedoman Kerja Work Guidelines
Komite Pengarah Teknologi Informasi melaksanakan tugas The Information Technology Steering Committee carries
dan tanggung jawabnya dengan berpedoman pada Piagam out its duties and responsibilities in accordance with
Komite Pengarah Teknologi Informasi yang telah disahkan the Information Technology Steering Committee’s Charter,
dan diperbarui pada tanggal 3 Januari 2022. Piagam which was approved and last updated on January 3rd, 2022.
tersebut dibuat dengan mengacu pada prinsip-prinsip GCG The Charter was formulated with reference to generally
yang umum diterapkan, sekaligus mematuhi peraturan accepted GCG principles and in compliance with
perundang-undangan yang berlaku di sektor asuransi dan the prevailing laws and regulations applicable to
pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Komite Pengarah Teknologi Information regarding the composition of the Information
Informasi per 31 Desember 2025 diuraikan sebagai berikut. Technology Steering Committee as of December 31st, 2025,
is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Perasuransian dan Manajemen Risiko
Choi Hyunhee
Chairman Insurance and Risk Management
Anggota Asuransi dan Pemprosesan Data
Ladyawati
Member Insurance and Data Processing
Diangkat berdasarkan Surat Keputusan Direksi
Putut Haryo Anggota Asuransi dan Pemprosesan Data
No. 228/DIR-CS/IX/2024 tanggal 17 September 2024.
Pangasto Member Insurance and Data Processing
Periode jabatan ini mengikuti masa kerja Direksi yang
Anggota Pemasaran dan Manajemen ditetapkan dalam Anggaran Dasar.
Afrilina Arifin
Member Marketing and Management Appointed by the Decree of the Board of Directors
No. 228/DIR-CS/IX/2024 dated September 17th, 2024.
Anggota Certified Penetration Testing Professional
Chaniago The office term follows the Board of Directors office term as
Member Certified Ethical Hacker
stipulated in the Articles of Association.
Anggota Asuransi dan Pemprosesan Data
Andreas Kusuma
Member Insurance and Data Processing
Muhammad Farhan Anggota Manajemen Risiko
Ilhamy Member Risk Management
Independensi Independency
Perseroan memastikan bahwa anggota Komite Pengarah The Company ensures that the current members of
Teknologi Informasi yang sedang menjabat dapat the Information Technology Steering Committee carry out
menjalankan tugas dan tanggung jawabnya secara their duties and responsibilities independently, free from
independen tanpa adanya intervensi dari Dewan Komisaris, any intervention by the Board of Commissioners, Board
Direksi, maupun Pemegang Saham. Hal ini dilakukan untuk of Directors, or Shareholders. This is intended to maintain
menjaga objektivitas dan integritas dalam pengambilan objectivity and integrity in decision-making and to ensure that
keputusan serta memastikan Komite Pengarah Teknologi the Information Technology Steering Committee operates
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Corporate Governance
Informasi dapat bekerja secara profesional dan transparan professionally and transparently in the best interests of
demi kepentingan terbaik Perseroan. Dengan demikian, the Company. Accordingly, the independence of
independensi Komite Pengarah Teknologi Informasi menjadi the Information Technology Steering Committee is one of
salah satu prinsip utama yang dijaga untuk mendukung tata the key principles upheld to support the implementation of
kelola perusahaan yang baik. good corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Pengarah Teknologi Informasi pada as the realization of the Information Technology Steering
tahun 2025 diuraikan sebagai berikut. Committee’s work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Rencana pengembangan TI yang sejalan dengan kegiatan Menyusun dan mengimplementasikan rencana pengembangan TI untuk tahun
usaha Perseroan. buku 2025 yang selaras dengan kegiatan usaha Perseroan. Rencana ini mencakup
peningkatan infrastruktur TI, adopsi teknologi digital terbaru, dan penguatan sistem
keamanan siber untuk mendukung operasional dan ekspansi bisnis. Dengan demikian,
rencana pengembangan TI yang diterapkan secara strategis berperan penting dalam
mendukung pertumbuhan dan daya saing Perseroan di pasar.
IT development plans that are in line with the Company’s Developing and implementing an IT development plan for the financial year 2025
business activities. that is aligned with the Company’s business activities. This plan includes upgrading IT
infrastructure, adopting the latest digital technologies, and strengthening cybersecurity
systems to support business operations and expansion. As such, a strategically
implemented IT development plan plays an important role in supporting the Company’s
growth and competitiveness in the market.
Perumusan kebijakan dan prosedur TI. Merumuskan kebijakan dan prosedur TI yang komprehensif untuk mendukung kegiatan
operasional Perseroan sesuai dengan Peraturan OJK No. 4/POJK.05/2021 tentang
Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi bagi Lembaga
Jasa Keuangan Non-Bank dan Surat Edaran OJK No. 22/SEOJK.05/2021 tentang
Penerapan Manajemen Risiko dalam Penggunaan Teknologi Informasi oleh Lembaga
Jasa Keuangan Non Bank. Kebijakan ini mencakup pengelolaan data, keamanan siber,
tata kelola IT, dan penggunaan perangkat lunak serta perangkat keras. Prosedur yang
disusun bertujuan untuk memastikan kepatuhan terhadap peraturan, meminimalkan
risiko terkait TI, dan meningkatkan efisiensi serta integritas sistem informasi.
The preparation of IT policies and procedures. Formulating comprehensive IT policies and procedures to support the Company’s
operational activities in accordance with OJK Regulation No. 4/POJK.05/2021 on
the Application of Risk Management in the Use of Information Technology for Non-
Bank Financial Services Institutions and OJK Circular Letter No. 22/SEOJK.05/2021 on
the Application of Risk Management in the Use of Information Technology by Non-Bank
Financial Services Institutions. This policy covers data management, cybersecurity, IT
governance, and the use of software and hardware. The procedures developed aim to
ensure regulatory compliance, minimize IT-related risks, and improve the efficiency and
integrity of information systems.
Kesesuaian TI dengan kebutuhan sistem informasi manajemen Memastikan bahwa TI yang diterapkan sesuai dengan kebutuhan sistem informasi
serta kebutuhan kegiatan usaha Perseroan. manajemen dan kegiatan usaha Perseroan. Komite Pengarah Teknologi Informasi
melakukan evaluasi menyeluruh terhadap sistem TI yang ada, termasuk kemampuan
teknologi untuk mendukung fungsi manajerial, operasional, dan strategis Perseroan.
Compatibility of IT with the needs of management information Ensuring that the IT implemented is in line with the Company’s needs of management
systems and the needs of the Company’s business activities. information system and business activities. The Information Technology Steering
Committee conducts a comprehensive evaluation of the existing IT system, including
the technology’s ability to support the Company’s managerial, operational, and
strategic functions.
Kesesuaian proyek TI yang disetujui dengan rencana Mengevaluasi kesesuaian proyek TI yang disetujui dengan rencana pengembangan
pengembangan TI. TI yang telah ditetapkan. Proses ini memastikan apakah proyek yang direncanakan
selaras dengan strategi jangka panjang TI Perseroan, termasuk tujuan pengembangan,
prioritas teknologi, dan alokasi anggaran.
Compatibility of approved IT projects with IT Evaluating the conformity of approved IT projects with the established IT development
development plans. plan. This process ensures that the planned projects are aligned with the Company’s
long-term IT strategy, including development objectives, technology priorities, and
budget allocations.
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Tata Kelola Perusahaan
Rapat Meeting
Komite Pengarah Teknologi Informasi wajib The Information Technology Steering Committee is required
menyelenggarakan rapat paling sedikit 1 kali dalam setahun. to hold meetings at least once a year. Throughout 2025,
Sepanjang tahun 2025, Komite Pengarah Teknologi the Information Technology Steering Committee held
Informasi telah menyelenggarakan rapat sebanyak a total of 1 meetings. The attendance rate at each of these
1 kali. Adapun tingkat kehadiran dalam setiap rapat tersebut meetings was recorded as follows.
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Choi Hyunhee 1 1 100,00
Chairman
Anggota
Ladyawati 1 1 100,00
Member
Anggota
Putut Haryo Pangasto 1 1 100,00
Member
Anggota
Afrilina Arifin 1 1 100,00
Member
Anggota
Chaniago 1 1 100,00
Member
Anggota
Andreas Kusuma 1 1 100,00
Member
Anggota
Muhammad Farhan Ilhamy 1 1 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Pengarah The competency development for the members of Information
Teknologi Informasi dikelola secara sistematis oleh Technology Steering Committee is managed systematically
Departemen Talent Management, yang bertanggung jawab by the Talent Management Department, which is responsible
untuk mengoordinasikan berbagai program pelatihan dan for coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with identified needs and challenges. Such
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mandiri mentoring, and self-directed learning. This process is also
yang relevan. Proses ini juga didokumentasikan secara rapi properly documented to ensure continuity and to enable
untuk memastikan keberlanjutan dan evaluasi efektivitas evaluation of the effectiveness of competency development,
pengembangan kompetensi, sehingga anggota Komite so that members of the Information Technology Steering
Pengarah Teknologi Informasi dapat terus meningkatkan Committee can continuously enhance their capabilities and
kapabilitas dan kontribusinya dalam mendukung tata kelola contributions in supporting the implementation of good
perusahaan yang baik. corporate governance.
Sepanjang tahun 2025, seluruh anggota Komite Throughout 2025, all members of the Information
Pengarah Teknologi Informasi telah melaksanakan Technology Steering Committee participated in various
berbagai kegiatan pengembangan kompetensi. Informasi competency development activities. Information on
mengenai pengembangan kompetensi yang diikuti oleh the competency development programs attended
Bapak Choi Hyunhee selaku Ketua Komite Pengarah by Mr. Choi Hyunhee, as Chairman of the Information
Teknologi Informasi telah diungkapkan dalam pembahasan Technology Steering Committee, has been disclosed in
pengembangan kompetensi Direksi. Sedangkan, the explanation of the competency development for
pengembangan kompetensi yang diikuti oleh Anggota the Board of Directors. Meanwhile, the competency
Komite Pengarah Teknologi Informasi lainnya diungkapkan development activities attended by the other Members of
sebagai berikut. the Information Technology Steering Committee are
disclosed as follows.
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Corporate Governance
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Putut Haryo Muhammad
Ladyawati Afrilina Arifin Chaniago
Pangasto Farhan Ilhamy
OJK Institute : Tranformasi Digital : Tren Inovasi
teknologi di Sektor Keuangan.
- - - -
OJK Institute: Digital Transformation: Technology
Innovation Trends in the Financial Sector
From Compliance to Competitive Edge : Elevating
- - - -
Your Data Protection Srategy.
RiskHub - Securing the unseen : Data, Threats, &
- - - -
the Future of Cyber Risk Management.
Cyber Security Refreshement. - - - -
Data Analytic for Risk Management. - - - -
Komite Manajemen Risiko Risk Management Committee
Komite Manajemen Risiko memiliki tanggung jawab utama The Risk Management Committee has the primary
dalam mengidentifikasi, menganalisis, dan mengawasi responsibility for identifying, analyzing, and overseeing
berbagai risiko yang dihadapi Perseroan agar dapat dikelola the various risks faced by the Company to ensure that
secara efektif. Komite Manajemen Risiko bekerja untuk such risks are managed effectively. The Risk Management
memastikan bahwa strategi mitigasi risiko diterapkan dengan Committee works to ensure that risk mitigation strategies
tepat dan konsisten, sehingga dapat meminimalkan dampak are implemented appropriately and consistently, thereby
negatif terhadap operasional dan keuangan Perseroan. minimizing potential adverse impacts on the Company’s
Dengan pendekatan yang sistematis dan proaktif, Komite operations and financial condition. Through a systematic
Manajemen Risiko mendukung Perseroan dalam menjaga and proactive approach, the Risk Management Committee
stabilitas, keberlanjutan bisnis, dan perlindungan terhadap supports the Company in maintaining stability, business
kepentingan pemangku kepentingan. continuity, and protection of stakeholder interests.
Pedoman Kerja Work Guidelines
Komite Manajemen Risiko melaksanakan tugas dan tanggung The Risk Management Committee carries out its duties and
jawabnya dengan berpedoman pada Piagam Komite responsibilities in accordance with the Risk Management
Manajemen Risiko yang telah disahkan dan diperbarui pada Committee’s Charter, which was approved and last updated
tanggal 4 Agustus 2021. Piagam tersebut dibuat dengan on August 4th, 2021. The Charter was formulated with
mengacu pada prinsip-prinsip GCG yang umum diterapkan, reference to generally accepted GCG principles and in
sekaligus mematuhi peraturan perundang-undangan yang compliance with prevailing laws and regulations applicable
berlaku di sektor asuransi dan pasar modal. to the insurance and capital market sectors.
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Tata Kelola Perusahaan
Komposisi Composition
Informasi mengenai komposisi Komite Manajemen Risiko per Information on the composition of the Risk Management
31 Desember 2025 diuraikan sebagai berikut. Committee as of December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Perasuransian dan Manajemen Risiko
Agus Benjamin
Chairman Insurance and Risk Management
Anggota Perasuransian dan Manajemen Risiko
Choi Hyunhee
Member Insurance and Risk Management
Anggota Akuntansi dan Keuangan
Viyanty Salim
Member Accounting and Finance
Diangkat berdasarkan Surat Keputusan Direksi
AAAIK, Underwriting, dan Pengembangan No. 241/DIR-CS/VIII/2025 tanggal tanggal 1 Agustus 2025.
Anggota Produk Periode jabatan ini mengikuti masa kerja Direksi yang
Timmie Manglassa ditetapkan dalam Anggaran Dasar.
Member AAAIK, Underwriting, and Product
Development Appointed by the Decree of the Board of Directors
No. 241/DIR-CS/VIII/2025 dated August 1st, 2025.
Anggota Medis dan Kedokteran
dr. Rudy Tjahjadi The office term follows the Board of Directors office term as
Member Medical and Medicine stipulated in the Articles of Association.
Hukum, Kepatuhan, dan Tata Kelola
Anggota Perusahaan
Satini Kartika Sari
Member Legal, Compliance, and Corporate
Governance
Evan Parulian Anggota AAAIK dan Pemasaran
Hutagalung Member AAAIK and Marketing
Independensi Independency
Perseroan memastikan bahwa anggota Komite Manajemen The Company ensures that the current members of
Risiko yang sedang menjabat dapat menjalankan tugas the Risk Management Committee carry out their duties
dan tanggung jawabnya secara independen tanpa adanya and responsibilities independently, without any intervention
intervensi dari Dewan Komisaris, Direksi, maupun Pemegang from the Board of Commissioners, Board of Directors,
Saham. Hal ini dilakukan untuk menjaga objektivitas dan or Shareholders. This is intended to maintain objectivity
integritas dalam pengambilan keputusan serta memastikan and integrity in decision-making and to ensure that
Komite Manajemen Risiko dapat bekerja secara profesional the Risk Management Committee operates professionally
dan transparan demi kepentingan terbaik Perseroan. Dengan and transparently in the best interests of the Company.
demikian, independensi Komite Manajemen Risiko menjadi Accordingly, the independence of the Risk Management
salah satu prinsip utama yang dijaga untuk mendukung tata Committee is one of the key principles upheld to support
kelola perusahaan yang baik. the implementation of good corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Komite Manajemen Risiko pada tahun 2025 as the realization of the Risk Management Committee’s work
diuraikan sebagai berikut. programs in 2025, is presented as follows.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menyusun kebijakan, strategi, dan pedoman penerapan Menyusun kebijakan, strategi, dan pedoman penerapan manajemen risiko yang
manajemen risiko, termasuk tingkat risiko yang diambil komprehensif. Kebijakan ini mencakup penetapan tingkat risiko yang diambil (risk
(risk appetite) dan toleransi risiko (risk tolerance). appetite) dan toleransi risiko (risk tolerance) sesuai dengan tujuan strategis Perseroan.
Kebijakan dan pedoman ini bertujuan untuk memitigasi potensi kerugian dan
memastikan keberlangsungan operasional Perseroan secara efektif.
Developing policies, strategies, and guidelines for Developing comprehensive risk management policies, strategies, and guidelines. This
implementing risk management, including risk appetite and policy includes the determination of level of risk taken (risk appetite) and risk tolerance
risk tolerance. in accordance with the Company’s strategic objectives. These policies and guidelines
aim to mitigate potential losses and ensure the Company’s operational sustainability
effectively.
Melakukan perbaikan atau penyesuaian pelaksanaan Melakukan perbaikan dan penyesuaian terhadap pelaksanaan manajemen risiko
manajemen risiko berdasarkan hasil evaluasi pelaksanaan berdasarkan hasil evaluasi yang dilakukan secara berkala maupun insidentil. Proses
manajemen risiko, antara lain menyempurnakan proses ini melibatkan penyempurnaan metode manajemen risiko untuk mengatasi perubahan
manajemen risiko secara berkala maupun bersifat insidentil kondisi eksternal dan internal Perseroan yang memengaruhi kecukupan pendanaan,
sebagai tindak lanjut dari suatu perubahan kondisi eksternal profil risiko, dan efektivitas penerapan manajemen risiko. Komite Manajemen Risiko
dan internal Perseroan yang memengaruhi kecukupan telah mengidentifikasi hal-hal yang memerlukan perbaikan dan melakukan penyesuaian
pendanaan, profil risiko Perseroan, dan tidak efektifnya strategi serta proses manajemen risiko guna memastikan bahwa sistem yang diterapkan
penerapan manajemen risiko berdasarkan hasil evaluasi. tetap relevan dan efektif dalam menghadapi risiko yang ada.
Making improvements or adjustments to the implementation Improving and adjusting the implementation of risk management based on the results
of risk management based on the results of evaluating of evaluations conducted periodically or incidentally. This process involves refining risk
the implementation of risk management, including improving management methods to address changes in the Company’s external and internal
the risk management process periodically or incidentally as conditions that affect funding adequacy, risk profile, and the effectiveness of risk
a follow-up to a change in the Company’s external and management implementation. The Risk Management Committee has identified areas
internal conditions that affect the adequacy of funding, that require improvement and made adjustments to risk management strategies and
the Company’s risk profile, as well as the ineffectiveness of processes to ensure that the system remains relevant and effective in dealing with
management implementation risk based on evaluation results. existing risks.
Rapat Meeting
Komite Manajemen Risiko wajib menyelenggarakan rapat The Risk Management Committee is required to hold
paling sedikit 2 kali dalam setahun. Sepanjang tahun 2025, meetings at least twice a year. Throughout 2025,
Komite Manajemen Risiko telah menyelenggarakan rapat the Risk Management Committee held a total of 2 meetings.
sebanyak 2 kali. Adapun tingkat kehadiran dalam setiap rapat The attendance rate at each of these meetings was recorded
tersebut tercatat sebagai berikut. as follows.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Agus Benjamin 2 2 100,00
Chairman
Anggota
Choi Hyunhee 2 2 100,00
Member
Anggota
Viyanty Salim 2 2 100,00
Member
Anggota
Timmie Manglassa 2 2 100,00
Member
Anggota
dr. Rudy Tjahjadi 2 2 100,00
Member
Anggota
Satini Kartika Sari 2 2 100,00
Member
Anggota
Evan Parulian Hutagalung 2 2 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Komite Manajemen The competency development for the members of Risk
Risiko dikelola secara sistematis oleh Departemen Management Committee is managed systematically by
Talent Management, yang bertanggung jawab untuk the Talent Management Department, which is responsible
mengoordinasikan berbagai program pelatihan dan for coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with identified needs and challenges. Such
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 275
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Tata Kelola Perusahaan
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mandiri mentoring, and relevant self-directed learning. This process is
yang relevan. Proses ini juga didokumentasikan secara rapi also properly documented to ensure continuity and to enable
untuk memastikan keberlanjutan dan evaluasi efektivitas evaluation of the effectiveness of competency development
pengembangan kompetensi, sehingga anggota Komite initiatives, thereby allowing Risk Management Committee
Manajemen Risiko dapat terus meningkatkan kapabilitas members to continuously enhance their capabilities and
dan kontribusinya dalam mendukung tata kelola perusahaan contributions in supporting sound corporate governance.
yang baik.
Sepanjang tahun 2025, seluruh anggota Komite Manajemen Throughout 2025, all members of the Risk Management
Risiko telah melaksanakan berbagai kegiatan pengembangan Committee participated in various competency development
kompetensi. Informasi mengenai pengembangan activities. Information regarding the competency
kompetensi yang diikuti oleh Bapak Agus Benjamin dan development programs attended by Mr. Agus Benjamin
Bapak Choi Hyunhee selaku Ketua dan Anggota Komite and Mr. Choi Hyunhee, as Chairman and Member of
Manajemen Risiko telah diungkapkan dalam pembahasan the Risk Management Committee, respectively, has been
pengembangan kompetensi Direksi. Begitu juga dengan disclosed in the explanation of the competency development
Bapak Timmie Manglassa, dr. Rudy Tjahjadi, Ibu Satini Kartika for the Board of Directors. Likewise, the competency
Sari, Bapak Evan Parulian Hutagalung, dan Ibu Viyanty Salim development programs attended by Mr. Timmie Manglassa,
selaku Anggota Komite Manajemen Risiko telah diungkapkan dr. Rudy Tjahjadi, Mrs. Satini Kartika Sari, Mr. Evan Parulian
masing-masing dalam pembahasan pengembangan Hutagalung, and Mrs. Viyanty Salim, as Members of the Risk
kompetensi Komite Pengembangan Produk, Komite Medis, Management Committee, have been disclosed respectively
Sekretaris Perusahaan, Komite Pengembangan Produk, dan in the explanation of the competency development for
Komite Investasi. Product Development Committee, Medical Committee,
Corporate Secretary, Product Development Committee, and
Investment Committee.
APU PPT & PPPSPM AML - CFT & CPF
APU PPT & PPPSPM bertugas mengawasi dan memastikan The AML - CFT & CPF function is responsible for supervising
pelaksanaan kebijakan mengenai APU PPT & PPPSPM and ensuring the effective implementation of policies related
berjalan efektif di Perseroan. APU PPT & PPPSPM berperan to AML - CFT & CPF within the Company. AML - CFT & CPF
penting dalam melakukan pemantauan transaksi, identifikasi plays an important role in monitoring transactions, identifying
risiko, dan pelaporan aktivitas mencurigakan sesuai dengan risks, and reporting suspicious activities in accordance
ketentuan yang berlaku. Dengan fungsi pengawasan yang with applicable regulations. Through strong supervision,
kuat, APU PPT & PPPSPM membantu Perseroan menjaga AML - CFT & CPF helps the Company maintain the integrity
integritas sistem keuangan dan memenuhi kewajiban of its financial system and fulfill regulatory obligations,
regulasi, sekaligus melindungi Perseroan dari risiko hukum while also protecting the Company from potential legal and
dan reputasi yang dapat merugikan. reputational risks.
Pedoman Kerja Work Guidelines
APU PPT & PPPSPM melaksanakan tugas dan tanggung AML - CFT & CPF carries out its duties and responsibilities in
jawabnya dengan berpedoman pada Pedoman Penerapan accordance with AML - CFT & CPF Program Implementation
Program APU PPT & PPPSPM yang telah disahkan dan Guidelines, which were approved and last updated on
diperbarui pada tanggal 30 November 2023. Pedoman November 30th, 2023. These guidelines were formulated
tersebut dibuat dengan mengacu pada prinsip-prinsip GCG with reference to generally accepted GCG principles and
yang umum diterapkan, sekaligus mematuhi peraturan in compliance with prevailing laws and regulations in
perundang-undangan yang berlaku di sektor asuransi dan the insurance and capital market sectors.
pasar modal.
Komposisi Composition
Informasi mengenai komposisi APU PPT & PPPSPM per Information regarding the composition of AML - CFT & CPF
31 Desember 2025 diuraikan sebagai berikut. as of December 31st, 2025, is presented below.
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Corporate Governance
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Hukum
Ivo Santri Lubis
Chairman Legal
Anggota Manajemen Risiko
Pondi Pratama
Member Risk Management
Diangkat berdasarkan Surat Keputusan Direksi
Sistem Manajemen Mutu, Sistem Manajemen No. 206/DIR-CS/XI/2023 tanggal 23 November 2023.
Keuangan Berkelanjutan, Manajemen Risiko, Periode jabatan mengikuti masa kerja Direksi yang
Christine Prety Anggota dan Asuransi ditetapkan dalam Anggaran Dasar.
Ballerena Member Quality Management System, Sustainable Appointed by the Decree of the Board of Directors
Finance Management System, Risk No. 206/DIR-CS/XI/2023 dated November 23rd, 2023.
Management, and Insurance The office term follows the Board of Directors office term as
Sistem Manajemen Mutu, Sistem Manajemen stipulated in the Articles of Association.
Keamanan Informasi, dan Manajemen Risiko
Nadia Erlikasna Br. Anggota
Pandia Member Quality Management System, Information
Security Management System, and Risk
Management
Independensi Independency
Perseroan memastikan bahwa anggota APU PPT & The Company ensures that current members of AML - CFT &
PPPSPM yang sedang menjabat dapat menjalankan tugas CPF perform their duties and responsibilities independently,
dan tanggung jawabnya secara independen tanpa adanya free from any intervention by the Board of Commissioners,
intervensi dari Dewan Komisaris, Direksi, maupun Pemegang Board of Directors, or Shareholders. This is intended to
Saham. Hal ini dilakukan untuk menjaga objektivitas dan maintain objectivity and integrity in decision-making and
integritas dalam pengambilan keputusan serta memastikan to ensure that AML - CFT & CPF operates professionally
APU PPT & PPPSPM dapat bekerja secara profesional dan and transparently in the best interests of the Company.
transparan demi kepentingan terbaik Perseroan. Dengan Accordingly, the independence of AML - CFT & CPF is one
demikian, independensi APU PPT & PPPSPM menjadi salah of the key principles upheld to support the implementation of
satu prinsip utama yang dijaga untuk mendukung tata kelola good corporate governance.
perusahaan yang baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta Information regarding the duties and responsibilities, as well
realisasi program kerja APU PPT & PPPSPM pada tahun as the realization of the AML - CFT & CPF work programs in
2025 diuraikan sebagai berikut. 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menganalisis secara berkala penilaian risiko Pencucian Uang, Analisis berkala terhadap penilaian risiko terkait Pencucian Uang, Pendanaan Terorisme,
Pendanaan Terorisme, dan/atau Pendanaan Proliferasi Senjata dan/atau Pendanaan Proliferasi Senjata Pemusnah Massal telah dilaksanakan sesuai
Pemusnah Massal terkait dengan nasabah, negara atau area dengan rencana kerja tahunan. Analisis ini mencakup aspek nasabah, negara, atau
geografis, produk, jasa, transaksi, atau jaringan distribusi area geografis, produk, jasa, transaksi, serta jaringan distribusi Perseroan. Hasil analisis
Perseroan sebanyak 1 kali dalam 1 tahun. digunakan sebagai dasar untuk:
1. Penyempurnaan kebijakan dan prosedur internal guna meningkatkan efektivitas
mitigasi risiko;
2. Memastikan kepatuhan terhadap regulasi yang berlaku, termasuk peraturan OJK
dan Financial Action Task Force (FATF); serta
3. Memperkuat sistem pengendalian internal, sehingga dapat secara proaktif
mengidentifikasi dan mengelola risiko yang berpotensi terjadi.
Periodically analyzing the risk assessment of Money Periodic analysis of risk assessment related to Money Laundering, Financing of
Laundering, Financing of Terrorism, and/or Financing of Terrorism, and/or Financing of Proliferation of Weapons of Mass Destruction has been
Proliferation of Weapons of Mass Destruction related to conducted in accordance with the annual work plan. This analysis covers aspects of
customers, countries or geographical areas, products, customers, countries, or geographical areas, products, services, transactions, as well as
services, transactions. or distribution networks of the Company’s distribution network. The analysis results are used as a basis for:
the Company once a year. 1. Improvement of internal policies and procedures to increase the effectiveness of risk
mitigation;
2. Ensuring compliance with applicable regulations, including OJK and Financial Action
Task Force (FATF) regulations; and
3. Strengthening the internal control system, thus, proactively identifying and managing
potential risks.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Menyusun, melakukan pengkinian, serta mengusulkan Penyesuaian kebijakan dan prosedur bertujuan agar tetap relevan dengan perubahan
kebijakan dan prosedur penerapan program APU PPT & produk, jasa, teknologi di sektor jasa keuangan, dan perkembangan skala usaha serta
PPPSPM di Perseroan untuk dimintakan pertimbangan volume transaksi Perseroan. Selain itu, kebijakan dan prosedur juga diadaptasi untuk
Direksi serta memastikan bahwa kebijakan dan prosedur yang mengatasi berbagai modus Pencucian Uang, Pendanaan Terorisme, dan Pendanaan
disusun telah sesuai dengan perubahan dan perkembangan Proliferasi Senjata Pemusnah Massal yang terus berkembang. Berdasarkan evaluasi
produk, jasa, dan teknologi di sektor jasa keuangan, kegiatan, yang telah dilakukan untuk tahun buku 2025, kebijakan serta prosedur penerapan
skala usaha, volume transaksi Perseroan, dan/atau modus program APU PPT & PPPSPM Perseroan telah sesuai dengan perkembangan di industri
Pencucian Uang, Pendanaan Terorisme, dan Pendanaan terkini serta regulasi yang berlaku.
Proliferasi Senjata Pemusnah Massal.
Preparing, updating, and proposing policies and procedures The adjustment of policies and procedures aims to remain relevant to changes in
for the implementation of AML - CFT & CPF programs in products, services, technology in the financial services sector, and the development
the Company for consideration by the Board of Directors of the Company’s business scale and transaction volume. In addition, policies and
and ensuring that the policies and procedures prepared procedures are also adapted to address the various modes of Money Laundering,
are in accordance with changes and developments in Financing of Terrorism, and Financing of Proliferation of Weapons of Mass Destruction
products, services, and technology in the financial services that continue to evolve. Based on the evaluation conducted for the financial year 2025,
sector, activities, business scale, transaction volume of the policies and procedures for the implementation of the Company’s AML-CFT & CPF
the Company, and/or modes of Money Laundering, Financing program are in line with the latest industry developments and applicable regulations.
of Terrorism, and Financing of Proliferation of Weapons of
Mass Destruction.
Memastikan adanya sistem yang dapat mengidentifikasi, Memastikan implementasi sistem yang efektif untuk mengidentifikasi, menganalisis,
menganalisis, memantau, dan menyediakan laporan secara memantau, dan menyediakan laporan mengenai profil, karakteristik, serta pola
efektif mengenai profil, karakteristik, atau kebiasaan pola transaksi nasabah. Sistem ini dibuat untuk mendeteksi aktivitas yang mencurigakan
transaksi yang dilakukan nasabah. dan tidak biasa, sehingga memungkinkan deteksi dini terhadap potensi risiko terkait
APU PPT & PPPSPM.
Ensuring the existence of a system that can effectively Ensuring the implementation of an effective system to identify, analyze, monitor, and
identify, analyze, monitor, and provide reports on the profile, provide reports on customer profiles, characteristics, and transaction patterns. This
characteristics, or habitual patterns of transactions made by system is designed to detect suspicious and unusual activities, therefore, enabling early
customers. detection of potential risks related to AML - CFT & CPF.
Memastikan bahwa Formulir Identitas Nasabah (FIN) telah Perseroan telah memiliki sistem internal yang mendukung proses KYC dalam rangka
mengakomodasi data yang diperlukan dalam penerapan pelaksanaan Prinsip Mengenal Pengguna Jasa yang lebih efektif dengan isian yang
program APU PPT & PPPSPM. sesuai dengan kebutuhan penerapan program APU PPT & PPPSPM sebagaimana
merujuk ketentuan peraturan yang berlaku.
Ensuring that the Customer Identity Form (FIN) has The Company has already had an internal system that supports the KYC process in
accommodated the data required in the implementation of order to implement Know Your Service User Principle more effectively with fields in
AML - CFT & CPF program. accordance with the needs of AML - CFT & CPF program as referred to the applicable
regulatory provisions.
Melakukan evaluasi terhadap hasil pemantauan dan analisis Melaksanakan evaluasi terhadap hasil pemantauan dan analisis transaksi nasabah.
transaksi nasabah untuk memastikan ada atau tidak adanya Evaluasi ini bertujuan untuk memastikan adanya atau tidak adanya Transaksi Keuangan
TKM, transaksi keuangan tunai, dan/atau transaksi keuangan Mencurigakan (TKM), transaksi keuangan tunai, dan/atau transaksi transfer dana dari
transfer dana dari dan ke luar negeri di Perseroan. dan ke luar negeri di Perseroan. Berdasarkan hasil evaluasi yang dilakukan, sepanjang
tahun 2025, tidak terdapat Transaksi Keuangan Mencurigakan dan Transaksi Keuangan
Tunai.
Evaluating the results of monitoring and analyzing customer Implementing evaluation of the results of monitoring and analyzing customer
transactions to ensure the presence or absence of TKM, cash transactions. This evaluation aims to confirm the presence or absence of Suspicious
financial transaction, and/or financial transaction transferring Financial Transactions (TKM), cash financial transactions, and/or fund transfer
funds from and to overseas in the Company. transactions from and to overseas in the Company. Based on the evaluation results,
throughout 2025, there were no Suspicious Financial Transactions and Cash Financial
Transactions.
Memastikan pengkinian data dan profil nasabah serta data Memastikan pengkinian data dan profil nasabah serta data dan profil transaksi nasabah
dan profil transaksi nasabah. untuk periode 1 Januari 2025 - 31 Desember 2025. Proses ini melibatkan pembaruan
informasi nasabah yang dilakukan baik secara manual atau melalui aplikasi internal
Perseroan.
Ensuring the updating of customer data and profiles as well as Ensuring the updating of customer data and profiles as well as customer transaction
customer transaction data and profiles. data and profiles for the period January 1st, 2025 - December 31st, 2025. This process
involves updating customer information which is done either manually or through
the Company’s internal application.
278 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 281
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memastikan bahwa kegiatan usaha Perseroan yang berisiko Memastikan bahwa kegiatan usaha Perseroan yang berisiko tinggi terhadap
tinggi terhadap Pencucian Uang, Pendanaan Terorisme, dan APU PPT & PPPSPM diidentifikasi secara efektif sesuai dengan ketentuan sebagaimana
Pendanaan Proliferasi Senjata Pemusnah Massal diidentifikasi dimuat dalam Pedoman Penerapan Program APU PPT & PPPSPM. Hal ini mencakup
secara efektif sesuai kebijakan dan prosedur Perseroan dan penilaian dan pengawasan rutin untuk memastikan bahwa setiap kegiatan yang berisiko
regulasi yang berlaku. tinggi terdeteksi sesuai dengan kebijakan dan prosedur Perseroan serta peraturan yang
berlaku.
Ensuring that the Company’s business activities with high risk Ensuring that the Company’s high-risk AML - CFT & CPF business activities are
of Money Laundering, Financing of Terrorism, and Financing effectively identified in accordance with the provisions of the Law as stipulated in
of Proliferation of Weapons of Mass Destruction are effectively the AML - CFT & CPF Program Implementation Guidelines. This includes regular
identified in accordance with the Company’s policies and assessment and monitoring to ensure that any high-risk activities are detected in
procedures and applicable regulations. accordance with the Company’s policies and procedures as well as applicable
regulations.
Memastikan adanya mekanisme komunikasi yang baik Memastikan adanya mekanisme komunikasi yang efektif dengan unit-unit kerja terkait
dengan unit-unit kerja terkait di Perseroan dengan menjaga di Perseroan. Mekanisme ini bertujuan untuk menjaga kerahasiaan informasi dan
kerahasiaan informasi dan memperhatikan ketentuan mematuhi ketentuan anti-tipping-off. Proses komunikasi yang terstruktur memastikan
anti-tipping-off. bahwa informasi sensitif terkait risiko APU PPT & PPPSPM disampaikan secara aman
dan tepat waktu. Di mana secara berkala penanggung jawab APU PPT & PPPSPM
melakukan koordinasi melalui rapat, baik secara online maupun offline bersama PIC
pelaksana APU PPT & PPPSPM.
Ensuring a good communication mechanism with related Ensuring an effective communication mechanism with relevant work units in
work units in the Company by maintaining the confidentiality the Company. This mechanism aims to maintain the confidentiality of information and
of information and paying attention to anti-tipping-off comply with anti-tipping-off provisions. A structured communication process ensures
provisions. that sensitive information related to AML - CFT & CPF risks is conveyed in a safe and
timely manner. In which the person in charge of AML - CFT & CPF coordinates on
a regular basis through meetings, both online and offline with the PIC implementing
AML - CFT & CPF.
Memastikan adanya identifikasi area yang berisiko tinggi Memastikan identifikasi area yang berisiko tinggi terkait dengan penerapan program
terkait dengan penerapan program APU PPT & PPPSPM APU PPT & PPPSPM di Perseroan. Proses identifikasi ini mengacu pada SRA
di Perseroan dengan mengacu pada peraturan perundang- dan NRA serta implementasinya juga disesuaikan Pedoman Penerapan Program
undangan dan sumber informasi yang memadai. APU PPT & PPPSPM, peraturan perundang-undangan yang berlaku, dan sumber
informasi yang memadai, termasuk data internal dan eksternal mengenai potensi risiko.
Ensuring the identification of high-risk areas related to Ensuring the identification of high-risk areas related to the implementation of
the implementation of AML - CFT & CPF programs in AML - CFT & CPF program in the Company. This identification process refers to
the Company by referring to laws and regulations and SRA and NRA and its implementation is also adjusted to AML - CFT & CPF Program
adequate sources of information. Implementation Guidelines, applicable laws and regulations, and adequate information
sources, including internal and external data regarding potential risks.
Menerima, melakukan analisis, dan menyusun laporan TKM Menerima dan menganalisis laporan TKM dan transaksi keuangan tunai yang
dan/atau transaksi keuangan tunai yang disampaikan oleh disampaikan oleh unit-unit kerja di Perseroan. Proses ini mencakup penilaian terhadap
unit-unit kerja di Perseroan. data yang diterima untuk mengidentifikasi potensi risiko terkait APU PPT & PPPSPM.
Receiving, analyzing, and compiling reports of TKM Receiving and analyzing reports of TKM and cash financial transactions submitted by
and/or cash financial transaction submitted by working units in working units in the Company. This process includes assessing the data received to
the Company. identify potential risks related to AML/CFT & CPF.
Menyusun laporan TKM, transaksi keuangan tunai, dan/atau Berdasarkan hasil analisis yang dilakukan, pada tahun 2025, tidak ada TKM, Transaksi
transaksi keuangan transfer dana dari dan ke luar negeri. Keuangan Tunai, dan/atau transaksi keuangan transfer dana dari dan ke luar negeri.
Preparing reports on TKM, cash financial transactions, and/or Based on the results of analysis conducted in 2025, there were no TKM, Cash Financial
financial transactions transferring funds from and to overseas. Transactions, and/or financial transactions transferring funds from and to overseas.
Memantau secara berkala dan memastikan tindak lanjut Melakukan pemantauan secara berkala terhadap Daftar Terduga Terorris dan Organisasi
terhadap DTTOT dan daftar PPPSPM telah sesuai dengan Teroris (DTTOT) dan daftar PPPSPM. Dengan memantau dan menindaklanjuti secara
regulasi yang berlaku. konsisten, APU PPT & PPPSPM memastikan bahwa seluruh transaksi dan entitas yang
tercantum dalam daftar diperlakukan sesuai dengan ketentuan hukum dan kebijakan
internal, menjaga kepatuhan dan integritas sistem pengendalian risiko Perseroan.
Berdasarkan hasil analisis yang dilakukan, pada tahun 2025, tidak terdapat nasabah
Perseroan yang masuk ke dalam DTTOT dan daftar PPPSPM.
Periodically monitoring and ensuring follow-up on DTTOT and Monitoring periodically the List of Suspected Terrorists and Terrorist Organizations
CPF lists are in accordance with applicable regulations. (DTTOT) and CPF list. By consistently monitoring and following up, AML - CFT & CPF
ensures that all transactions and entities listed in the list are treated in accordance
with legal provisions and internal policies, maintaining compliance and integrity of
the Company’s risk control system. Based on the results of analysis conducted in 2025,
there were no customers of the Company included in the DTTOT and CPF list.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 279
Page 282
Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memantau, menganalisis, dan merekomendasikan kebutuhan Memantau dan menganalisis kebutuhan pelatihan mengenai APU PPT & PPPSPM
pelatihan tentang APU PPT & PPPSPM bagi seluruh karyawan untuk seluruh karyawan Perseroan. Pada tanggal 25 Maret 2025, telah dilaksanakan
Perseroan. refreshment APU PPT & PPPSPM kepada karyawan Perseroan.
Monitoring, analyzing, and recommending training needs on Monitoring and analyzing training needs regarding AML - CFT & CPF for all employees
AML - CFT & CPF for all employees of the Company. of the Company. On March 25th, 2025, AML - CFT & CPF refreshment was conducted to
the Company’s employees.
Memantau rekening dan pelaksanaan transaksi nasabah yang Memantau rekening dan pelaksanaan transaksi nasabah secara rutin untuk
berkaitan dengan nasabah. mengidentifikasi dan menilai risiko terkait APU PPT & PPPSPM.
Monitoring accounts and execution of customer transactions Monitoring accounts and execution of customer transactions on a regular basis to
relating to customers. identify and assess risks related to AML-CFT & CPF.
Menatausahakan hasil pemantauan dan evaluasi terhadap Menatausahakan hasil pemantauan dan evaluasi terhadap analisis TKM dengan cermat
analisis TKM. untuk penyempurnaan ke depannya.
Organizing the results of monitoring and evaluation on TKM Organizing the results of monitoring and evaluation of TKM analysis meticulously for
analysis. future improvement.
Rapat Meeting
APU PPT & PPPSPM wajib menyelenggarakan rapat paling AML - CFT & CPF is required to hold meetings at least once
sedikit 1 kali dalam setahun. Sepanjang tahun 2025, APU a year. Throughout 2025, AML - CFT & CPF held a total of
PPT & PPPSPM telah menyelenggarakan rapat sebanyak 9 meetings. The attendance rate at each of these meetings
9 kali. Adapun tingkat kehadiran dalam setiap rapat tersebut was recorded as follows.
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Ivo Santri Lubis 9 9 100,00
Chairman
Anggota
Pondi Pratama 9 9 100,00
Member
Anggota
Christine Prety Ballerena 9 9 100,00
Member
Anggota
Nadia Erlikasna Br. Pandia 9 9 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota APU PPT & The competency development for the members of
PPPSPM dikelola secara sistematis oleh Departemen AML - CFT & CPF is managed systematically by the
Talent Management, yang bertanggung jawab untuk Talent Management Department, which is responsible for
mengoordinasikan berbagai program pelatihan dan coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with identified needs and challenges. Such
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mandiri mentoring, and relevant self-directed learning. This process
yang relevan. Proses ini juga didokumentasikan secara rapi is also properly documented to ensure continuity and
untuk memastikan keberlanjutan dan evaluasi efektivitas to enable evaluation of the effectiveness of competency
pengembangan kompetensi, sehingga anggota APU PPT development initiatives, allowing the members of
& PPPSPM dapat terus meningkatkan kapabilitas dan AML - CFT & CPF to continuously enhance their capabilities
kontribusinya dalam mendukung tata kelola perusahaan and contributions in supporting the implementation of good
yang baik. corporate governance.
280 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 283
Corporate Governance
Sepanjang tahun 2025, seluruh anggota APU PPT & PPPSPM Throughout 2025, all members of AML - CFT & CPF
telah melaksanakan berbagai kegiatan pengembangan participated in various competency development activities.
kompetensi. Informasi mengenai pengembangan kompetensi Information regarding the competency development
yang diikuti oleh Anggota APU PPT & PPPSPM diungkapkan programs attended by Members of AML - CFT & CPF is
sebagai berikut. disclosed as follows.
Kehadiran
Pengembangan Kompetensi Attendance
Competency Development Christine Prety Nadia Erlikasna
Ivo Santri Lubis Pondi Pratama
Ballerena Br. Pandia
ISO 37001:2025 The New Era of Anti Bribery Management
- -
System.
Kelangsungan Bisnis di 2025 : Pendekatan Risiko Hukum
dan Manajemen Kepatuhan.
- - -
Business Sustainability in 2025: A Legal Risk and
Compliance Management Approach.
Sustainability Accounting and Reporting in Financial Sector. - - -
Unit Anti-Fraud Anti-Fraud Unit
Unit Anti-Fraud memiliki peran penting dalam mendeteksi, The Anti-Fraud Unit plays a critical role in detecting,
mencegah, dan menangani segala bentuk kecurangan preventing, and addressing all forms of fraud that may cause
yang dapat merugikan Perseroan. Dengan pendekatan losses to the Company. Through a systematic approach
yang sistematis dan teknologi yang mendukung, Unit supported by appropriate technology, the Anti-Fraud
Anti-Fraud melakukan investigasi atas indikasi fraud dan Unit conducts investigations into indications of fraud and
mengembangkan langkah-langkah pencegahan untuk develops preventive measures to strengthen the internal
memperkuat sistem pengendalian internal. Kehadiran control system. The presence of the Anti-Fraud Unit helps
Unit Anti-Fraud membantu menjaga integritas operasional maintain the integrity of the Company’s operations while
Perseroan sekaligus melindungi aset dan reputasi dari protecting its assets and reputation from potential losses
potensi kerugian yang timbul akibat tindakan tidak etis atau arising from unethical or illegal actions.
ilegal.
Pedoman Kerja Work Guidelines
Unit Anti-Fraud melaksanakan tugas dan tanggung The Anti-Fraud Unit carries out its duties and responsibilities
jawabnya dengan berpedoman pada Pedoman Penerapan in accordance with the Guidelines for the Implementation
Pencegahan dan Penindakan Fraud PT Lippo General of Fraud Prevention and Prosecution of PT Lippo General
Insurance Tbk yang telah disahkan dan diperbarui per Insurance Tbk, which were approved and last updated
Januari 2025. Pedoman tersebut dibuat dengan mengacu as of January 2025. These guidelines were formulated
pada prinsip-prinsip GCG yang umum diterapkan, sekaligus with reference to generally accepted GCG principles and
mematuhi peraturan perundang-undangan yang berlaku di in compliance with prevailing laws and regulations in
sektor asuransi dan pasar modal. the insurance and capital market sectors.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 281
Page 284
Tata Kelola Perusahaan
Komposisi Composition
Informasi mengenai komposisi Unit Anti-Fraud per Information regarding the composition of the Anti-Fraud Unit
31 Desember 2025 diuraikan sebagai berikut. as of December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Setyo Andi Ketua Manajemen Risiko dan Asuransi
Mupriyanto Chairman Risk Management and Insurance
Anggota Certified Risk Management Professional
Mathias Elsson
Member (CRMP)
Anggota Manajemen Risiko dan Asuransi
Shandy Maulana
Member Risk Management and Insurance
dr. Doddy Eka Anggota Medis dan Kedokteran
Pratama Member Medical and Medicine
Diangkat berdasarkan Surat Keputusan Direksi
Manajemen Personalia dan Manajemen No. 226/DIR-CS/IX/2024 tanggal 17 September 2024.
Anggota Sumber Daya Periode jabatan mengikuti masa kerja Direksi yang
Susanti Halim
Member Personnel Management and Human Resource ditetapkan dalam Anggaran Dasar.
Management Appointed by the Decree of the Board of Directors
Anggota Asuransi No. 226/DIR-CS/IX/2024 dated September 17th, 2024.
Imelda Dewijanti The office term follows the Board of Directors office term
Member Insurance
as stipulated in the Articles of Association.
Anggota Asuransi, Pemasaran, dan Manajemen
Wisnu Erlangga
Member Insurance, Marketing, and Management
Berry Fernando Anggota Asuransi
Gultom Member Insurance
Boicko Johannes Anggota Asuransi dan Medis
Pakpahan Member Insurance and Medical
Anggota Hukum
Ivo Santri Lubis
Member Legal
Independensi Independency
Perseroan memastikan bahwa anggota Unit Anti-Fraud yang The Company ensures that the current members of
sedang menjabat dapat menjalankan tugas dan tanggung the Anti-Fraud Unit perform their duties and responsibilities
jawabnya secara independen tanpa adanya intervensi dari independently, without any intervention from the Board
Dewan Komisaris, Direksi, maupun Pemegang Saham. of Commissioners, Board of Directors, or Shareholders.
Hal ini dilakukan untuk menjaga objektivitas dan integritas This is intended to maintain objectivity and integrity
dalam pengambilan keputusan serta memastikan Unit in decision-making and to ensure that the Anti-Fraud
Anti-Fraud dapat bekerja secara profesional dan transparan Unit operates professionally and transparently in the best
demi kepentingan terbaik Perseroan. Dengan demikian, interests of the Company. Accordingly, the independence of
independensi Unit Anti-Fraud menjadi salah satu prinsip the Anti-Fraud Unit is one of the key principles upheld to
utama yang dijaga untuk mendukung tata kelola perusahaan support the implementation of good corporate governance.
yang baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Unit Anti-Fraud pada tahun 2025 diuraikan as the realization of the Anti-Fraud Unit’s work programs in
sebagai berikut. 2025, is presented as follows.
282 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 285
Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Membantu Direksi dalam menetapkan kebijakan dan prosedur Membantu Direksi dalam mengevaluasi Pedoman Penerapan Strategi Anti-Fraud
pengendalian yang khususnya ditujukan dalam rangka yang sudah dibuat oleh Perseroan. Unit Anti-Fraud bekerja sama dengan Direksi
penerapan Strategi Anti-Fraud. untuk memastikan bahwa kebijakan yang ditetapkan sesuai dengan standar industri
dan kebutuhan spesifik Perseroan, serta mengacu pada Peraturan OJK No. 12
Tahun 2024 tentang Penerapan Strategi Anti-Fraud bagi Lembaga Jasa Keuangan.
Selain itu, Unit Anti-Fraud juga memberikan rekomendasi tentang prosedur yang efektif
untuk mengurangi risiko fraud dan meningkatkan pengendalian internal.
Assisting the Board of Directors in establishing control Assisting the Board of Directors in evaluating the Anti-Fraud Strategy Implementation
policies and procedures specifically aimed at implementing Guidelines that have been made by the Company. The Anti-Fraud Unit works closely with
Anti-Fraud Strategy. the Board of Directors to ensure that the policies set are in line with industry standards
and the specific needs of the Company, as well as referring to OJK Regulation No. 12
of 2024 on the Implementation of Anti-Fraud Strategies for Financial Services
Institutions. In addition, the Anti-Fraud Unit also provides recommendations on effective
procedures to reduce fraud risk and improve internal control.
Menangani pengendalian fraud berkoordinasi dengan seluruh Menangani pengendalian fraud dengan berkoordinasi secara intensif dengan seluruh
pihak yang terkait. pihak terkait di Perseroan. Unit Anti-Fraud memastikan adanya komunikasi yang efektif
dan integrasi antara tim internal, manajemen, dan pihak eksternal jika diperlukan, dalam
rangka pencegahan, deteksi, dan investigasi fraud (mengatasi dan memitigasi potensi
kerugian akibat fraud). Koordinasi ini membantu memastikan respons yang cepat dan
terkoordinasi, serta penguatan pengendalian fraud di seluruh tingkatan manajemen.
Selain itu, juga diadakan sosialisasi kepada seluruh karyawan terkait anti-fraud dalam
rangka menumbuhkan kesadaran anti-fraud.
Managing fraud control in coordination with all relevant Handling fraud control by coordinating intensively with all relevant parties in
parties. the Company. The Anti-Fraud Unit ensures effective communication and integration
between internal teams, management, and external parties as necessary, in the context
of fraud prevention, detection, and investigation (addressing and mitigating potential
fraud losses). This coordination helps ensure a quick and coordinated response, as well
as the strengthening of fraud controls at all levels of management. In addition, there
is also dissemination to all employees related to ant-fraud in order to foster anti-fraud
awareness.
Rapat Meeting
Unit Anti-Fraud wajib menyelenggarakan rapat paling sedikit The Anti-Fraud Unit is required to hold meetings at least once
1 kali dalam setahun atau lebih apabila diperlukan. Sepanjang a year or more frequently if necessary. Throughout 2025,
tahun 2025, Unit Anti-Fraud telah menyelenggarakan rapat the Anti-Fraud Unit held a total of 2 meetings. The attendance
sebanyak 2 kali. Adapun tingkat kehadiran dalam setiap rapat rate at each of these meetings was recorded as follows.
tersebut tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Setyo Andi Mupriyanto 2 2 100,00
Chairman
Anggota
Mathias Elsson 2 2 100,00
Member
Anggota
Shandy Maulana 2 2 100,00
Member
Anggota
dr. Doddy Eka Pratama 2 2 100,00
Member
Anggota
Susanti Halim 2 2 100,00
Member
Anggota
Imelda Dewijanti 2 2 100,00
Member
Anggota
Wisnu Erlangga 2 2 100,00
Member
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 283
Page 286
Tata Kelola Perusahaan
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Anggota
Berry Fernando Gultom 2 2 100,00
Member
Anggota
Boicko Johannes Pakpahan 2 2 100,00
Member
Anggota
Ivo Santri Lubis 2 2 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Anti-Fraud dikelola The competency development for the members of Anti-Fraud
secara sistematis oleh Departemen Talent Management, Unit is managed systematically by the Talent Management
yang bertanggung jawab untuk mengoordinasikan berbagai Department, which is responsible for coordinating various
program pelatihan dan pengembangan sesuai dengan training and development programs in accordance with
kebutuhan serta tantangan yang dihadapi. Pengembangan identified needs and challenges. Such competency
kompetensi ini dapat dilakukan melalui berbagai bentuk, development can be conducted in various forms, including
seperti pelatihan formal, workshop, seminar, mentoring, formal training, workshops, seminars, mentoring, and
hingga pembelajaran mandiri yang relevan. Proses ini relevant self-directed learning. This process is also properly
juga didokumentasikan secara rapi untuk memastikan documented to ensure continuity and to enable evaluation
keberlanjutan dan evaluasi efektivitas pengembangan of the effectiveness of competency development initiatives,
kompetensi, sehingga anggota Unit Anti-Fraud dapat allowing Anti-Fraud Unit members to continuously enhance
terus meningkatkan kapabilitas dan kontribusinya dalam their capabilities and contributions in supporting sound
mendukung tata kelola perusahaan yang baik. corporate governance.
Sepanjang tahun 2025, seluruh anggota Unit Anti-Fraud Throughout 2025, all members of the Anti-Fraud Unit
telah melaksanakan berbagai kegiatan pengembangan participated in various competency development activities.
kompetensi. Informasi mengenai pengembangan Information regarding the competency development
kompetensi yang diikuti oleh Bapak Ivo Santri Lubis, programs attended by Mr. Ivo Santri Lubis, dr. Doddy
dr. Doddy Eka Pratama, dan Ibu Susanti Halim selaku Eka Pratama, and Mrs. Susanti Halim as members of
Anggota Unit Anti-Fraud telah diungkapkan dalam the Anti-Fraud Unit has been disclosed in the explanation
pembahasan pengembangan kompetensi APU PPT & of competency development for the AML-CFT & CPF,
PPPSPM, Komite Medis, dan Komite Remunerasi dan Medical Committee, and Remuneration and Nomination
Nominasi. Sedangkan, pengembangan kompetensi yang Committee. Meanwhile, the competency development
diikuti oleh Ketua dan Anggota Unit Anti-Fraud lainnya programs attended by the Chairman and other Members of
diungkapkan sebagai berikut. the Anti-Fraud Unit are disclosed as follows.
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Berry Boicko
Setyo Andi Mathias Shandy Imelda Wisnu
Fernando Johannes
Mupriyanto Elsson Maulana Dewijanti Erlangga
Gultom Pakpahan
ISO 37001:2025 The New Era of Anti
- - - - - -
Bribery Management System.
AICLA ACC 25 - Traditional Claims
- - - - - -
Management in a Digital Age.
Facing the Inevitable : Strategies for the
Dynamic Construction & Renewable - - - - -
Energy Sectors.
284 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 287
Corporate Governance
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Berry Boicko
Setyo Andi Mathias Shandy Imelda Wisnu
Fernando Johannes
Mupriyanto Elsson Maulana Dewijanti Erlangga
Gultom Pakpahan
Strategi dan Solusi : Mengintegrasikan
Contingency Plan dan Incident
Response untuk Meningkatkan
Ketahanan Perusahaan Asuransi.
- - - - - -
Strategies and Solutions: Integrating
Contingency Plans and Incident
Response to Enhance Insurance
Company Resilience.
RiskHub - Securing the unseen : Data,
Threats, & the Future of Cyber Risk - - - - - -
Management.
GRC Webinar “Undang-Undang
BUMN dalam Kaitannya dengan
Implementasi Anti-Fraud”.
- - - - - -
GRC Webinar: “State-Owned
Enterprise Laws in Relation to
Anti-Fraud Implementation.”
Unit Pelindungan Konsumen dan Consumer and Public Protection Unit
Masyarakat
Unit Pelindungan Konsumen dan Masyarakat berperan The Consumer and Public Protection Unit serves as
sebagai garda terdepan dalam memastikan hak dan the frontline in ensuring that the rights and interests of
kepentingan nasabah serta masyarakat terlindungi policyholders and the public are properly protected.
dengan baik. Unit Pelindungan Konsumen dan Masyarakat The Consumer and Public Protection Unit handles
menangani pengaduan, memberikan edukasi, dan complaints, provides education, and oversees
mengawasi pelaksanaan layanan agar sesuai dengan the implementation of services to ensure compliance with
standar yang berlaku dan prinsip keadilan. Dengan fokus applicable standards and principles of fairness. By focusing
pada transparansi, responsivitas, dan kepuasan nasabah, on transparency, responsiveness, and customer satisfaction,
Unit Pelindungan Konsumen dan Masyarakat membantu the Consumer and Public Protection Unit helps build trust
membangun kepercayaan serta reputasi positif Perseroan and enhance the Company’s public reputation, while
di mata publik, sekaligus mendorong praktik bisnis yang promoting responsible and ethical business practices.
bertanggung jawab dan beretika.
Pedoman Kerja Work Guidelines
Unit Pelindungan Konsumen dan Masyarakat melaksanakan The Consumer and Public Protection Unit carries
tugas dan tanggung jawabnya dengan berpedoman out its duties and responsibilities in accordance with
pada Pedoman Pelindungan Konsumen dan Masyarakat the Guidelines of Consumer and Public Protection, which
yang telah disahkan dan diperbarui pada tanggal were approved and updated on July 1st, 2024. These
1 Juli 2024. Pedoman tersebut dibuat dengan mengacu pada guidelines were formulated with reference to generally
prinsip-prinsip GCG yang umum diterapkan, sekaligus accepted GCG principles and in compliance with prevailing
mematuhi peraturan perundang-undangan yang berlaku laws and regulations in the insurance and capital market
di sektor asuransi dan pasar modal. sectors.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 285
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Tata Kelola Perusahaan
Komposisi Composition
Informasi mengenai komposisi Unit Pelindungan Konsumen Information regarding the composition of the Consumer
dan Masyarakat per 31 Desember 2025 diuraikan sebagai and Public Protection Unit as of December 31st, 2025, is
berikut. presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua
Irsan Rivani AAAIK
Chairman
Anggota
Janto Rivai AAAIK
Member
Anggota Hukum dan Kepatuhan
Satini Kartika Sari Diangkat berdasarkan Surat Keputusan Direksi
Member Legal and Compliance
No. SK-216/DIR-CS/II/2024 tanggal 19 Februari 2024
Anggota Hukum dan AAAIK Periode jabatan mengikuti masa kerja Direksi yang
Ivo Santri Lubis
Member Legal and AAAIK ditetapkan dalam Anggaran Dasar.
Anggota Appointed by the Decree of the Board of Directors
Maureen Indriaty AAAIK No. SK-216/DIR-CS/II/2024 dated February 19th, 2024.
Member
The office term follows the Board of Directors office term
Anggota as stipulated in the Articles of Association.
Wineke Winawati AAAIK
Member
ICCA - Service Excellence dan Pelayanan
Anggota Konsumen
Dedi Susilo
Member ICCA - Service Excellence and Customer
Service
Anggota Teknologi Informasi
Aditya Prasetyo
Member Information Technology
Independensi Independency
Perseroan memastikan bahwa anggota Unit Pelindungan The Company ensures that the current members of
Konsumen dan Masyarakat yang sedang menjabat dapat the Consumer and Public Protection Unit perform their
menjalankan tugas dan tanggung jawabnya secara duties and responsibilities independently, without any
independen tanpa adanya intervensi dari Dewan Komisaris, intervention from the Board of Commissioners, Board of
Direksi, maupun Pemegang Saham. Hal ini dilakukan untuk Directors, or Shareholders. This is intended to maintain
menjaga objektivitas dan integritas dalam pengambilan objectivity and integrity in decision-making and to ensure
keputusan serta memastikan Unit Pelindungan Konsumen that the Consumer and Public Protection Unit operates
dan Masyarakat dapat bekerja secara profesional dan professionally and transparently in the best interests
transparan demi kepentingan terbaik Perseroan. Dengan of the Company. Accordingly, the independence
demikian, independensi Unit Pelindungan Konsumen dan of the Consumer and Public Protection Unit is one of
Masyarakat menjadi salah satu prinsip utama yang dijaga the key principles upheld to support the implementation of
untuk mendukung tata kelola perusahaan yang baik. good corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Unit Pelindungan Konsumen dan Masyarakat as the realization of the Consumer and Public Protection
pada tahun 2025 diuraikan sebagai berikut. Unit’s work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memberikan sosialisasi kepada seluruh karyawan Perseroan Pada tahun 2025, Perseroan telah melaksanakan sosialisasi mengenai pelindungan
mengenai pelindungan konsumen dan masyarakat. konsumen dan masyarakat pada tanggal 30 September 2025 kepada karyawan
Perseroan.
Providing dissemination to all employees of the Company In 2025, the Company conducted dissemination on consumer and community
regarding consumer and community protection. protection on September 30th, 2025 to the Company’s employees.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Mengoordinasikan pelaksanaan proses kepatuhan Mengoordinasikan proses perencanaan dan pelaksanaan kepatuhan Perseroan
perencanaan Perseroan dan terhadap ketentuan mengenai terhadap ketentuan mengenai pelindungan konsumen dan masyarakat di sektor
pelindungan konsumen dan masyarakat di sektor jasa jasa keuangan. Tugas ini melibatkan koordinasi antara berbagai departemen untuk
keuangan. memastikan bahwa seluruh kebijakan dan prosedur yang diterapkan mematuhi
peraturan pelindungan konsumen yang berlaku.
Coordinating the planning process and implementation of Coordinating the planning and implementation of the Company’s compliance with
the Company’s compliance with the provisions on consumer the provisions on consumer and community protection in the financial services sector.
and community protection in the financial services sector. This task involves coordination across departments to ensure that all policies and
procedures implemented comply with applicable consumer protection regulations.
Berkoordinasi dengan unit terkait untuk pemantauan dan Berkoordinasi dengan unit-unit terkait untuk memantau dan mengevaluasi pelaksanaan
evaluasi atas pelaksanaan kepatuhan Perseroan terhadap kepatuhan Perseroan terhadap ketentuan mengenai pelindungan konsumen dan
ketentuan mengenai pelindungan konsumen dan masyarakat masyarakat di sektor jasa keuangan.
di sektor jasa keuangan.
Coordinating with relevant units to monitor and evaluate Coordinating with relevant units to monitor and evaluate the implementation of
the implementation of the Company’s compliance with the Company’s compliance with the provisions regarding consumer and community
the provisions on consumer and community protection in protection in the financial services sector.
the financial services sector.
Melaporkan kepada Direksi mengenai implementasi Melaporkan kepada Direksi mengenai implementasi pelindungan konsumen dan
pelindungan konsumen dan masyarakat serta memberikan masyarakat dengan memberikan ringkasan hasil pemantauan dan evaluasi. Laporan ini
rekomendasi untuk perbaikan dan pengembangan mencakup analisis tentang sejauh mana kebijakan pelindungan konsumen diterapkan
pelindungan konsumen dan masyarakat. dan kepatuhan terhadap peraturan yang berlaku.
Reporting to the Board of Directors on the implementation Reporting to the Board of Directors on the implementation of consumer and
of consumer and community protection and providing community protection by providing a summary of monitoring and evaluation results.
recommendations for the improvement and development of This report includes an analysis of the extent to which consumer protection policies are
consumer and community protection. implemented and compliance with applicable regulations.
Mengoordinasikan penyusunan dan penyampaian laporan Mengoordinasikan penyusunan dan penyampaian laporan terkait pelindungan
terkait pelindungan konsumen dan masyarakat sesuai dengan konsumen dan masyarakat untuk disampaikan kepada Otoritas Jasa Keuangan sesuai
ketentuan peraturan perundang-undangan di sektor jasa dengan ketentuan peraturan perundang-undangan di sektor jasa keuangan. Proses ini
keuangan. melibatkan pengumpulan data dan informasi yang relevan dari berbagai unit terkait,
serta penyusunan laporan yang mematuhi peraturan yang berlaku.
Coordinating the preparation and submission of reports Coordinating the preparation and submission of reports related to consumer and
related to consumer and community protection in accordance community protection to be submitted to the Financial Services Authority in accordance
with the provisions of laws and regulations in the financial with the provisions of laws and regulations in the financial services sector. This process
services sector. involves the collection of relevant data and information from various related units, as
well as the preparation of reports that comply with applicable regulations.
Menerima, menangani, dan menyelesaikan pengaduan yang Telah melaksanakan tugas, menerima, menangani, dan menyelesaikan pengaduan
disampaikan oleh konsumen. yang disampaikan oleh konsumen melalui berbagai saluran komunikasi yang disediakan
oleh Perseroan maupun Otoritas Jasa Keuangan. Setiap pengaduan yang diterima dikaji
dan diverifikasi, kemudian ditindaklanjuti dengan koordinasi bersama unit terkait untuk
memperoleh solusi yang adil bagi konsumen. Penyelesaian dilakukan melalui mediasi,
pemberian jawaban resmi, serta rekomendasi perbaikan layanan apabila diperlukan,
sebagai bagian dari komitmen dalam melindungi hak konsumen dan meningkatkan
kualitas layanan Perseroan.
Receiving, handling, and resolving complaints submitted Carrying out duties, receiving, handling, and resolving complaints submitted by
by consumers. consumers through various communication channels provided by the Company and
Financial Services Authority. Each complaint received was reviewed and verified,
then followed up in coordination with the relevant units to obtain a fair solution for
consumers. Settlements were made through mediation, provision of official answers,
and recommendations for service improvements where necessary, as part of
the commitment to protect consumer rights and improve the Company’s service quality.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 287
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Tata Kelola Perusahaan
Rapat Meeting
Unit Pelindungan Konsumen dan Masyarakat dapat The Consumer and Public Protection Unit may hold meetings
menyelenggarakan rapat sesuai dengan kebutuhan. as necessary. Throughout 2025, the Consumer and Public
Sepanjang tahun 2025, Unit Pelindungan Konsumen Protection Unit held a total of 7 meetings. The attendance
dan Masyarakat telah menyelenggarakan rapat sebanyak rate at each of these meetings was recorded as follows.
7 kali. Adapun tingkat kehadiran dalam setiap rapat tersebut
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Irsan Rivani 7 7 100,00
Chairman
Anggota
Janto Rivai 7 7 100,00
Member
Anggota
Satini Kartika Sari 7 7 100,00
Member
Anggota
Ivo Santri Lubis 7 7 100,00
Member
Anggota
Maureen Indriaty 7 7 100,00
Member
Anggota
Wineke Winawati 6 7 85,71
Member
Anggota
Dedi Susilo 6 7 85,71
Member
Anggota
Aditya Prasetyo 7 7 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Pelindungan The competency development for the members of Consumer
Konsumen dan Masyarakat dikelola secara sistematis oleh and Public Protection Unit is managed systematically by
Departemen Talent Management, yang bertanggung jawab the Talent Management Department, which is responsible
untuk mengoordinasikan berbagai program pelatihan for coordinating various training and development programs
dan pengembangan sesuai dengan kebutuhan serta in accordance with identified needs and challenges. Such
tantangan yang dihadapi. Pengembangan kompetensi ini competency development can be conducted in various
dapat dilakukan melalui berbagai bentuk, seperti pelatihan forms, including formal training, workshops, seminars,
formal, workshop, seminar, mentoring, hingga pembelajaran mentoring, and relevant self-directed learning. This process
mandiri yang relevan. Proses ini juga didokumentasikan is also properly documented to ensure continuity and
secara rapi untuk memastikan keberlanjutan dan evaluasi to enable evaluation of the effectiveness of competency
efektivitas pengembangan kompetensi, sehingga anggota development initiatives, allowing members to continuously
Unit Pelindungan Konsumen dan Masyarakat dapat enhance their capabilities and contributions in supporting
terus meningkatkan kapabilitas dan kontribusinya dalam the implementation of good corporate governance.
mendukung tata kelola perusahaan yang baik.
Sepanjang tahun 2025, seluruh anggota Unit Pelindungan Throughout 2025, all members of the Consumer and
Konsumen dan Masyarakat telah melaksanakan berbagai Public Protection Unit participated in various competency
kegiatan pengembangan kompetensi. Informasi mengenai development activities. Information regarding the
pengembangan kompetensi yang diikuti oleh Ibu Satini competency development programs attended by Mrs. Satini
Kartika Sari dan Bapak Ivo Santri Lubis selaku Anggota Unit Kartika Sari and Mr. Ivo Santri Lubis as members of the
Pelindungan Konsumen dan Masyarakat telah diungkapkan Consumer and Public Protection Unit has been disclosed
dalam pembahasan pengembangan kompetensi Sekretaris in the explanation of the competency development for
Perusahaan dan APU PPT & PPPSPM. Sedangkan, Corporate Secretary and AML - CFT & CPF. Meanwhile,
pengembangan kompetensi yang diikuti oleh Ketua dan the competency development programs attended by
Anggota Unit Pelindungan Konsumen dan Masyarakat the Chairman and other Members of the Consumer and
lainnya diungkapkan sebagai berikut. Public Protection Unit are disclosed as follows.
288 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Kehadiran
Pengembangan Kompetensi Attendance
Competency Development Irsan Janto Maureen Wineke Dedi Aditya
Rivani Rivai Indriaty Winawati Susilo Praseyo
Seminar Pelindungan Konsumen di Era Digital :
Implementasi Peraturan OJK No. 22/2023 oleh Pelaku
Usaha di Sektor Asuransi.
- - - - -
Consumer Protection Seminar in the Digital Age:
Implementation of OJK Regulation No. 22/2023 by
Business Entities in the Insurance Sector.
Facing the Inevitable : Strategies for the Dynamic
- - - - -
Construction & Renewable Energy Sectors.
Seminar Pelindungan Konsumen di Era Digital:
Implementasi Peraturan OJK No. 22/2023 oleh Pelaku
Usaha di Sektor Asuransi.
- - - -
Consumer Protection Seminar in the Digital Age:
Implementation of OJK Regulation No. 22/2023 by
Business Entities in the Insurance Sector.
Risk Maturity Transformation: Building Resilience in
- - - - -
a Volatile Landscape.
AAUI Seminar - Menghadapi Era Baru Pelindungan
Data: Implementasi UU PDP di Industri Asuransi.
AAUI Seminar – Facing the New Era of Data - - - - -
Protection: Implementation of the Personal Data
Protection Law in the Insurance Industry.
Unit Corporate Social Responsibility Corporate Social Responsibility Unit
Unit Corporate Social Responsibility bertanggung jawab The Corporate Social Responsibility Unit is responsible for
merancang dan melaksanakan program-program sosial designing and implementing social programs aligned with
yang selaras dengan nilai dan tujuan Perseroan, sekaligus the Company’s values and objectives, while
memberikan dampak positif bagi masyarakat dan lingkungan generating positive impacts on surrounding communities
sekitar. Unit Corporate Social Responsibility mengelola inisiatif and the environment. The Corporate Social Responsibility
yang mendukung pembangunan berkelanjutan, seperti Unit manages initiatives that support sustainable
kegiatan pendidikan, kesehatan, dan pelestarian lingkungan, development, including programs in education, healthcare,
dengan pendekatan yang inklusif dan berkelanjutan. Melalui and environmental conservation, using an inclusive
peran aktif Unit Corporate Social Responsibility, Perseroan and sustainable approach. Through the active role of
tidak hanya berkontribusi pada kesejahteraan sosial, tetapi the Corporate Social Responsibility Unit, the Company
juga memperkuat hubungan harmonis dengan komunitas not only contributes to social welfare, but also strengthens
dan meningkatkan citra serta reputasi perusahaan di mata harmonious relationships with communities and enhances its
publik. public image and corporate reputation.
Pedoman Kerja Work Guidelines
Unit Corporate Social Responsibility melaksanakan tugas dan The Corporate Social Responsibility Unit carries out its duties
tanggung jawabnya dengan berpedoman pada Instruksi Kerja and responsibilities in accordance with the Implementation
Penerapan Program/Kegiatan Corporate Social Responsibility of Corporate Social Responsibility (CSR) Programs/Activities
(CSR) yang telah disahkan dan diperbarui pada tanggal Work Instructions, which was approved and last updated on
10 Februari 2020. Instruksi Kerja tersebut dibuat dengan February 10th, 2020. These Work Instructions were formulated
mengacu pada prinsip-prinsip GCG yang umum diterapkan, in accordance with generally accepted GCG principles and
sekaligus mematuhi peraturan perundang-undangan yang in compliance with prevailing laws and regulations applicable
berlaku di sektor asuransi dan pasar modal. to the insurance and capital markets sectors.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 289
Page 292
Tata Kelola Perusahaan
Komposisi Composition
Informasi mengenai komposisi Unit Corporate Social Information on the composition of the Corporate Social
Responsibility per 31 Desember 2025 diuraikan sebagai Responsibility Unit as of December 31st, 2025, is presented
berikut. below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Diangkat berdasarkan Surat Keputusan Direksi
Luhur Ketua Asuransi No. 147/DIR-CS/II/2020 tanggal 10 Februari 2020.
Prihatiningrum Chairman Insurance Appointed by the Decree of the Board of Directors
No. 147/DIR-CS/II/2020 dated February 10th, 2020.
Independensi Independency
Perseroan memastikan bahwa anggota Unit Corporate Social The Company ensures that current members of
Responsibility yang sedang menjabat dapat menjalankan the Corporate Social Responsibility Unit carry out their duties
tugas dan tanggung jawabnya secara independen tanpa and responsibilities independently, without any intervention
adanya intervensi dari Dewan Komisaris, Direksi, maupun from the Board of Commissioners, Board of Directors, or
Pemegang Saham. Hal ini dilakukan untuk menjaga Shareholders. This is being done to maintain objectivity
objektivitas dan integritas dalam pengambilan keputusan and integrity in decision-making and to ensure that
serta memastikan Unit Corporate Social Responsibility dapat the Corporate Social Responsibility Unit operates
bekerja secara profesional dan transparan demi kepentingan professionally and transparently in the best interests
terbaik Perseroan. Dengan demikian, independensi Unit of the Company. Accordingly, the independence
Corporate Social Responsibility menjadi salah satu prinsip of the Corporate Social Responsibility Unit is one of the core
utama yang dijaga untuk mendukung tata kelola perusahaan principles upheld to support the implementation of good
yang baik. corporate governance.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta Information regarding the duties and responsibilities, as well
realisasi program kerja Unit Corporate Social Responsibility as the realization of the Corporate Social Responsibility Unit’s
pada tahun 2025 diuraikan sebagai berikut. work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Merencanakan dan melaksanakan program/kegiatan CSR Merencanakan dan melaksanakan berbagai program serta kegiatan CSR Perseroan.
Perseroan. Unit Corporate Social Responsibility memastikan bahwa kegiatan CSR yang dilaksanakan
dapat memberikan manfaat yang signifikan masyarakat dan stakeholder, sesuai dengan
tujuan sosial dan lingkungan yang telah ditetapkan. Sepanjang tahun 2025, telah
dilaksanakan 4 kegiatan CSR.
Planning and implementing the Company’s CSR programs/ Planning and implementing the Company’s various CSR programs and activities.
activities. The Corporate Social Responsibility Unit ensures that the CSR activities implemented
can provide significant benefits to the community and stakeholder, in accordance with
the social and environmental objectives that have been set. Throughout 2025, 4 CSR
activities were carried out.
Rapat Meeting
Unit Corporate Social Responsibility dapat menyelenggarakan The Corporate Social Responsibility Unit may hold meetings
rapat sesuai dengan kebutuhan. Sepanjang tahun 2025, as necessary. Throughout 2025, the Corporate Social
Unit Corporate Social Responsibility telah menyelenggarakan Responsibility Unit held 4 meetings. The attendance rate
rapat sebanyak 4 kali. Adapun tingkat kehadiran dalam setiap at each of these meetings was recorded as follows.
rapat tersebut tercatat sebagai berikut.
290 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Luhur Prihatiningrum 4 4 100,00
Chairman
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Corporate Social Competency development for members of the Corporate
Responsibility dikelola secara sistematis oleh Departemen Social Responsibility Unit is systematically managed by
Talent Management, yang bertanggung jawab untuk the Talent Management Department, which is responsible
mengoordinasikan berbagai program pelatihan dan for coordinating various training and development
pengembangan sesuai dengan kebutuhan serta tantangan programs tailored to the needs and challenges faced. Such
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mandiri mentoring, and relevant self-directed learning. This process
yang relevan. Proses ini juga didokumentasikan secara rapi is also carefully documented to ensure continuity and to
untuk memastikan keberlanjutan dan evaluasi efektivitas evaluate the effectiveness of competency development,
pengembangan kompetensi, sehingga anggota Unit enabling Corporate Social Responsibility Unit members to
Corporate Social Responsibility dapat terus meningkatkan continuously enhance their capabilities and contributions
kapabilitas dan kontribusinya dalam mendukung tata kelola in supporting the implementation of good corporate
perusahaan yang baik. governance.
Sepanjang tahun 2025, seluruh anggota Unit Corporate Throughout 2025, all Corporate Social Responsibility Unit
Social Responsibility telah melaksanakan berbagai members participated in various competency development
kegiatan pengembangan kompetensi. Informasi mengenai activities. Information regarding the competency
pengembangan kompetensi yang diikuti oleh Ketua Unit development activities attended by the Head of the Corporate
Corporate Social Responsibility diungkapkan sebagai berikut. Social Responsibility Unit is disclosed as follows.
Kehadiran
Pengembangan Kompetensi Attendance
Competency Development
Luhur Prihatiningrum
Webinar on Sustainability Report.
Unit Edukasi Literasi dan Inklusi Keuangan Financial Literacy and Inclusion Education
Unit
Unit Edukasi Literasi dan Inklusi Keuangan berperan penting The Financial Literacy and Inclusion Education Unit plays
dalam meningkatkan pemahaman dan kesadaran masyarakat an important role in enhancing public understanding and
mengenai produk serta layanan keuangan yang tersedia. Unit awareness of available financial products and services.
Edukasi Literasi dan Inklusi Keuangan menyelenggarakan The Financial Literacy and Inclusion Education Unit implements
berbagai program edukasi yang bertujuan memperkuat various educational programs aimed at strengthening
kemampuan masyarakat dalam mengelola keuangan the public’s ability to manage finances prudently, while also
secara bijak, sekaligus mendorong akses yang lebih luas promoting broader access to formal financial services. With
terhadap layanan keuangan formal. Dengan fokus pada a focus on financial inclusion, the Financial Literacy and
inklusi keuangan, Unit Edukasi Literasi dan Inklusi Keuangan Inclusion Education Unit helps reduce economic disparities
membantu mengurangi kesenjangan ekonomi dan and empowers communities to participate actively in
memberdayakan masyarakat untuk berpartisipasi aktif dalam the financial system safely and sustainably.
sistem keuangan secara aman dan berkelanjutan.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 291
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Tata Kelola Perusahaan
Pedoman Kerja Work Guidelines
Unit Edukasi Literasi dan Inklusi Keuangan melaksanakan The Financial Literacy and Inclusion Education Unit carries
tugas dan tanggung jawabnya dengan berpedoman pada out its duties and responsibilities in accordance with
Pedoman Edukasi Literasi dan Inklusi Keuangan yang telah the Guidelines for Financial Literacy and Inclusion
disahkan dan diperbarui pada tanggal 29 Desember 2023. Education, which were approved and last updated on
Pedoman tersebut dibuat dengan mengacu pada prinsip- December 29th, 2023. These guidelines were formulated
prinsip GCG yang umum diterapkan, sekaligus mematuhi in accordance with generally accepted GCG principles
peraturan perundang-undangan yang berlaku di sektor and in compliance with prevailing laws and regulations in
asuransi dan pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Unit Edukasi Literasi dan Information regarding the composition of
Inklusi Keuangan per 31 Desember 2025 diuraikan sebagai the Financial Literacy and Inclusion Education Unit as of
berikut. December 31st, 2025, is presented below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Wineke Winawati Ketua AAAIK Diangkat berdasarkan Surat Keputusan Direksi
No. SK-139/DIR-CS/XI/2019 tanggal 22 November 2019.
Chairman Appointed by the Decree of the Board of Directors
No. SK-139/DIR-CS/XI/2019 dated November 22nd, 2019.
Independensi Independency
Perseroan memastikan bahwa anggota Unit Edukasi The Company ensures that current members of the Financial
Literasi dan Inklusi Keuangan yang sedang menjabat Literacy and Inclusion Education Unit perform their duties
dapat menjalankan tugas dan tanggung jawabnya secara and responsibilities independently, without any intervention
independen tanpa adanya intervensi dari Dewan Komisaris, from the Board of Commissioners, Board of Directors,
Direksi, maupun Pemegang Saham. Hal ini dilakukan untuk or Shareholders. This is intended to maintain objectivity
menjaga objektivitas dan integritas dalam pengambilan and integrity in decision-making and to ensure that
keputusan serta memastikan Unit Edukasi Literasi dan Inklusi the Unit operates professionally and transparently in the best
Keuangan dapat bekerja secara profesional dan transparan interests of the Company. Accordingly, the independence of
demi kepentingan terbaik Perseroan. Dengan demikian, the Financial Literacy and Inclusion Education Unit is upheld
independensi Unit Edukasi Literasi dan Inklusi Keuangan as one of the key principles supporting the implementation
menjadi salah satu prinsip utama yang dijaga untuk of good corporate governance.
mendukung tata kelola perusahaan yang baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as
program kerja Unit Edukasi Literasi dan Inklusi Keuangan well as the realization of the Financial Literacy and Inclusion
pada tahun 2025 diuraikan sebagai berikut. Education Unit’s work programs in 2025, is presented as
follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Merencanakan dan melaksanakan kegiatan dalam rangka Merencanakan dan melaksanakan berbagai kegiatan untuk meningkatkan edukasi
meningkatkan literasi dan inklusi keuangan. literasi dan inklusi keuangan. Kegiatan yang dilaksanakan termasuk pelatihan, seminar,
workshop, dan kampanye informasi yang ditargetkan kepada berbagai segmen
masyarakat. Dengan upaya ini, Unit Edukasi Literasi dan Inklusi Keuangan berfokus pada
pemberdayaan masyarakat dalam pengelolaan keuangan pribadi dan mempromosikan
inklusi keuangan sebagai bagian dari tanggung jawab sosial Perseroan.
Planning and implementing activities to improve financial Planning and implementing various activities to improve financial literacy and
literacy and inclusion. inclusion education. Activities include trainings, seminars, workshops, and information
campaigns targeted at various segments of society. With these efforts, the Financial
Literacy and Inclusion Education Unit focuses on empowering people in personal
financial management and promoting financial inclusion as part of the Company’s
social responsibility.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melaksanakan pemantauan dan evaluasi atas pelaksanaan Melaksanakan pemantauan dan evaluasi terhadap kegiatan yang dilakukan untuk
kegiatan dalam rangka meningkatkan literasi dan inklusi meningkatkan edukasi literasi dan inklusi keuangan. Berdasarkan hasil pemantauan dan
keuangan yang telah dilaksanakan Perseroan. evaluasi, Unit Edukasi Literasi dan Inklusi Keuangan memberikan rekomendasi untuk
peningkatan program di masa depan, memastikan bahwa kegiatan yang dilakukan terus
memenuhi tujuan untuk meningkatkan edukasi literasi dan inklusi keuangan secara
efektif.
Monitoring and evaluating the implementation of activities Monitoring and evaluating the activities conducted to improve financial literacy and
to improve financial literacy and inclusion that have been inclusion education. Based on the results of monitoring and evaluation, the Financial
implemented by the Company. Literacy and Inclusion Education Unit provides recommendations for future program
improvements, ensuring that the activities undertaken continue to meet the objective of
effectively improving financial literacy and inclusion education.
Membuat pelaporan rencana kegiatan, realisasi, dan evaluasi Menyusun laporan mengenai rencana kegiatan, realisasi, dan evaluasi yang terkait
untuk dilaporkan kepada manajemen dan regulator. dengan upaya peningkatan literasi dan inklusi keuangan untuk dilaporkan kepada
Otoritas Jasa Keuangan.
Reporting on activity plans, realization, and evaluation to be Preparing a report on activity plans, realization, and evaluation related to efforts to
reported to management and regulators. improve financial literacy and inclusion to be reported to the Financial Services Authority.
Kegiatan yang Berhasil Dilaksanakan Activities Successfully Implemented
Sebagai bagian dari upaya meningkatkan pemahaman As part of its efforts to enhance public understanding of
masyarakat terhadap produk dan layanan keuangan, financial products and services, the Company consistently
Perseroan secara konsisten melaksanakan kegiatan edukasi conducts financial literacy and inclusion education activities.
literasi dan inklusi keuangan. Seluruh kegiatan tersebut All such activities are implemented in accordance with
diselenggarakan sesuai dengan ketentuan yang diatur dalam the provisions stipulated in OJK Regulation No. 22 of 2023
Peraturan OJK No. 22 Tahun 2023 tentang Pelindungan on Consumer and Public Protection. Throughout 2025,
Konsumen dan Masyarakat. Sepanjang tahun 2025, the Company conducted 6 financial literacy and inclusion
Perseroan telah menyelenggarakan 6 kali kegiatan edukasi education activities, which are outlined below.
literasi dan inklusi keuangan yang diuraikan sebagai berikut.
Nama Kegiatan Periode Kegiatan
Name of Activity Period of Activity
20 Februari-20 Maret 2025
Electric Vehicles Energy Efficient, Fully Protected.
February 20th-March 20th, 2025
Peran Penting Pembiayaan dan Asuransi Dalam Pertumbuhan Usaha. 6 Agustus 2025
The Important Role of Financing and Insurance in Business Growth. August 6th, 2025
Lindungi Aset, Hijaukan Bumi. 12 September-17 Oktober 2025
Protect Assets, Green the Earth. September 12th-October 17th, 2025
Literasi Edukasi Goes to School + Pembekalan bagi Siswa SMK
Menjelang Dunia Magang. 31 Desember 2025
Financial Literacy Goes to School + Preparation for Vocational High December 31st, 2025
School Students Ahead of Their Internships.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 293
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Tata Kelola Perusahaan
Rapat Meeting
Unit Edukasi Literasi dan Inklusi Keuangan dapat The Financial Literacy and Inclusion Education Unit may
menyelenggarakan rapat sesuai dengan kebutuhan. hold meetings as necessary. Throughout 2025, the Financial
Sepanjang tahun 2025, Unit Edukasi Literasi dan Inklusi Literacy and Inclusion Education Unit held 2 meetings.
Keuangan telah menyelenggarakan rapat sebanyak The attendance rate at each of these meetings was recorded
2 kali. Adapun tingkat kehadiran dalam setiap rapat tersebut as follows.
tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Wineke Winawati 2 2 100,00
Chairman
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Edukasi Literasi The competency development for the members of Financial
dan Inklusi Keuangan dikelola secara sistematis oleh Literacy and Inclusion Education Unit is systematically
Departemen Talent Management, yang bertanggung jawab managed by the Talent Management Department,
untuk mengoordinasikan berbagai program pelatihan dan which is responsible for coordinating various training
pengembangan sesuai dengan kebutuhan serta tantangan and development programs based on identified needs
yang dihadapi. Pengembangan kompetensi ini dapat and challenges. Such competency development can be
dilakukan melalui berbagai bentuk, seperti pelatihan formal, conducted in various forms, including formal training,
workshop, seminar, mentoring, hingga pembelajaran mandiri workshops, seminars, mentoring, and relevant self-directed
yang relevan. Proses ini juga didokumentasikan secara rapi learning. This process is properly documented to ensure
untuk memastikan keberlanjutan dan evaluasi efektivitas continuity and to evaluate the effectiveness of competency
pengembangan kompetensi, sehingga anggota Unit Edukasi development, enabling the members of the Financial
Literasi dan Inklusi Keuangan dapat terus meningkatkan Literacy and Inclusion Education Unit to continuously
kapabilitas dan kontribusinya dalam mendukung tata kelola enhance their capabilities and contributions in supporting
perusahaan yang baik. Informasi mengenai pengembangan the implementation of good corporate governance.
kompetensi yang diikuti oleh Ketua Unit Edukasi Literasi dan Information regarding the competency development
Inklusi Keuangan telah diungkapkan dalam pembahasan attended by the Head of the Financial Literacy and Inclusion
pengembangan kompetensi Unit Pelindungan Konsumen Education Unit has been disclosed in the explanation of
dan Masyarakat. the competency development for Consumer and Public
Protection Unit.
Unit Asset & Liability Management Asset & Liability Management Unit
Unit Asset & Liability Management memiliki peran strategis The Asset & Liability Management Unit plays a strategic
dalam mengelola keseimbangan antara aset dan kewajiban role in managing the balance between the Company’s
Perseroan untuk menjaga likuiditas, profitabilitas, dan assets and liabilities to maintain liquidity, profitability, and
stabilitas keuangan. Unit Asset & Liability Management financial stability. The Unit is responsible for analyzing risks
bertugas menganalisis risiko terkait suku bunga, likuiditas, related to interest rates, liquidity, and market conditions,
dan pasar, serta merancang strategi pengelolaan yang as well as formulating effective management strategies
efektif agar Perseroan dapat memenuhi kewajibannya tepat to ensure that the Company can meet its obligations in
waktu tanpa mengorbankan pertumbuhan aset. Dengan a timely manner without compromising asset growth.
pengelolaan Unit Asset & Liability Management yang matang, Through sound management of its Asset & Liability
Perseroan mampu menghadapi ketidakpastian ekonomi Management Unit, the Company is able to face economic
sekaligus memaksimalkan nilai tambah bagi Pemegang uncertainty while maximizing added value for Shareholders
Saham dan pemangku kepentingan lainnya. and other stakeholders.
Pedoman Kerja Work Guidelines
Unit Asset & Liability Management melaksanakan tugas dan The Asset & Liability Management Unit carries out its
tanggung jawabnya dengan berpedoman pada Pedoman duties and responsibilities in accordance with the Asset
Pemantauan Aset dan Liabilitas yang telah disahkan dan and Liability Monitoring Guidelines, which were approved
diperbarui pada tanggal 3 Februari 2020. Pedoman tersebut and last updated on February 3rd, 2020. These guidelines
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Corporate Governance
dibuat dengan mengacu pada prinsip-prinsip GCG yang were formulated in accordance with generally accepted
umum diterapkan, sekaligus mematuhi peraturan perundang- GCG principles and in compliance with prevailing laws and
undangan yang berlaku di sektor asuransi dan pasar modal. regulations in the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Unit Asset & Liability Information regarding the composition of the Asset & Liability
Management per 31 Desember 2025 diuraikan sebagai Management Unit as of December 31st, 2025, is presented
berikut. below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Akuntansi Diangkat berdasarkan Surat Keputusan Direksi
Yuita Kusmawaty
Chairman Accounting No. 181/DIR-CS/VIII/2022 tanggal 1 Agustus 2022.
Anggota Aktuaria dengan gelar ASAI Appointed by the Decree of the Board of Directors
Cintya Cloreta No. 181/DIR-CS/VIII/2022 dated August 1st, 2022.
Member Actuarial with ASAI certification
Independensi Independency
Perseroan memastikan bahwa anggota Unit Asset & Liability The Company ensures that the current members of
Management yang sedang menjabat dapat menjalankan the Asset & Liability Management Unit perform their duties
tugas dan tanggung jawabnya secara independen tanpa and responsibilities independently, without any intervention
adanya intervensi dari Dewan Komisaris, Direksi, maupun from the Board of Commissioners, Board of Directors, or
Pemegang Saham. Hal ini dilakukan untuk menjaga Shareholders. This is intended to maintain objectivity and
objektivitas dan integritas dalam pengambilan keputusan integrity in decision-making and to ensure that the Asset
serta memastikan Unit Asset & Liability Management dapat & Liability Management Unit operates professionally and
bekerja secara profesional dan transparan demi kepentingan transparently in the best interests of the Company. Accordingly,
terbaik Perseroan. Dengan demikian, independensi Unit the independence of the Asset & Liability Management
Asset & Liability Management menjadi salah satu prinsip Unit is upheld as one of the key principles supporting
utama yang dijaga untuk mendukung tata kelola perusahaan the implementation of good corporate governance.
yang baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Unit Asset & Liability Management pada as the realization of the Asset & Liability Management Unit’s
tahun 2025 diuraikan sebagai berikut. work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Melakukan evaluasi secara berkala terhadap pengelolaan aset Melakukan evaluasi secara berkala terhadap pengelolaan aset dan investasi, serta
dan investasi beserta isu-isu risiko dalam pengelolaan aset isu-isu risiko yang terkait. Evaluasi juga mencakup identifikasi dan penilaian risiko yang
investasi Perseroan. mungkin memengaruhi aset dan investasi, serta rekomendasi untuk mitigasi risiko
tersebut sesuai dengan kondisi pasar dan kebutuhan Perseroan.
Conducting evaluation periodically on asset and investment Performing periodic evaluations of asset and investment management, as well as
management along with risk issues in the management of related risk issues. The evaluation also includes the identification and assessment of
the Company’s investment assets. risks that may affect assets and investments, as well as recommendations for mitigating
such risks in accordance with market conditions and the Company needs.
Melakukan pemetaan terhadap aset Perseroan untuk Melakukan pemetaan terhadap aset Perseroan untuk mengidentifikasi aset yang lebih
mengetahui aset yang lebih likuid atau illikuid dari pada likuid atau illikuid dibandingkan dengan liabilitas. Dengan pemetaan ini, Unit Asset &
liabilitas. Liability Management dapat mengevaluasi sejauh mana aset dapat dengan mudah
diuangkan untuk memenuhi liabilitas atau kebutuhan likuiditas lainnya.
Mapping the Company’s assets to identify assets that are Mapping the Company’s assets to identify assets that are more liquid or illiquid than
more liquid or illiquid than liabilities. liabilities. With this mapping, the Asset & Liability Management Unit can evaluate
the extent to which assets can be easily cashed out to meet liabilities or other liquidity
needs.
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Tata Kelola Perusahaan
Rapat Meeting
Unit Asset & Liability Management dapat menyelenggarakan The Asset & Liability Management Unit may hold meetings
rapat sesuai dengan kebutuhan. Sepanjang tahun 2025, Unit as necessary. Throughout 2025, the Asset & Liability
Asset & Liability Management telah menyelenggarakan rapat Management Unit held 4 meetings. The attendance rate at
sebanyak 4 kali. Adapun tingkat kehadiran dalam setiap each of these meetings was recorded as follows.
rapat tersebut tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Anggota
Yuita Kusmawaty 4 4 100,00
Member
Anggota
Cintya Cloreta 4 4 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Asset & Liability The competency development for the members of Asset &
Management dikelola secara sistematis oleh Departemen Liability Management Unit is systematically managed by the
Talent Management, yang bertanggung jawab untuk Talent Management Department, which is responsible for
mengoordinasikan berbagai program pelatihan dan coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan based on identified needs and challenges. Such competency
yang dihadapi. Pengembangan kompetensi ini dapat development can be conducted in various forms, including
dilakukan melalui berbagai bentuk, seperti pelatihan formal, formal training, workshops, seminars, mentoring, and relevant
workshop, seminar, mentoring, hingga pembelajaran mandiri self-directed learning. This process is properly documented
yang relevan. Proses ini juga didokumentasikan secara rapi to ensure continuity and to evaluate the effectiveness
untuk memastikan keberlanjutan dan evaluasi efektivitas of competency development, enabling members of
pengembangan kompetensi, sehingga anggota Unit Asset & the Asset & Liability Management Unit to continuously
Liability Management dapat terus meningkatkan kapabilitas enhance their capabilities and contributions in supporting
dan kontribusinya dalam mendukung tata kelola perusahaan the implementation of good corporate governance.
yang baik.
Sepanjang tahun 2025, seluruh anggota Unit Asset Throughout 2025, all members of the Asset & Liability
& Liability Management telah melaksanakan berbagai Management Unit participated in various competency
kegiatan pengembangan kompetensi. Informasi mengenai development activities. Information regarding
pengembangan kompetensi yang diikuti oleh Anggota Unit the competency development undertaken by members of
Asset & Liability Management diungkapkan sebagai berikut. the Asset & Liability Management Unit is disclosed as follows.
Kehadiran
Pengembangan Kompetensi Attendance
Competency Development
Yuita Kusmawaty Cintya Cloreta
Training on Coretax Insurance Related. -
PAI - SOA Joint Webinar. -
Unit Aksi Keuangan Berkelanjutan Sustainable Financial Action Unit
Unit Aksi Keuangan Berkelanjutan merupakan divisi yang The Sustainable Financial Action Unit is a division focused
fokus pada pengembangan dan implementasi praktik on developing and implementing financial practices that
keuangan yang mendukung keberlanjutan lingkungan, support environmental, social, and governance sustainability.
sosial, dan tata kelola. Unit Aksi Keuangan Berkelanjutan The Sustainable Financial Action Unit aims to promote
bertujuan untuk mendorong investasi dan aktivitas keuangan investments and financial activities that not only prioritize
yang tidak hanya mengutamakan keuntungan ekonomi, economic returns, but also consider positive impacts on
296 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
tetapi juga mempertimbangkan dampak positif terhadap the environment and society. Through various programs
lingkungan dan masyarakat. Melalui berbagai program and policies, the Sustainable Financial Action Unit plays
dan kebijakan, Unit Aksi Keuangan Berkelanjutan berperan an important role in accelerating the transition toward
penting dalam mempercepat transisi menuju ekonomi a green economy and supporting the holistic achievement of
hijau dan mendukung pencapaian tujuan pembangunan sustainable development goals.
berkelanjutan secara holistik.
Pedoman Kerja Work Guidelines
Unit Aksi Keuangan Berkelanjutan melaksanakan tugas dan The Sustainable Financial Action Unit carries out its duties
tanggung jawabnya dengan berpedoman pada Pedoman and responsibilities in accordance with the Guidelines for
Program Aksi Keuangan Berkelanjutan yang telah disahkan Sustainable Finance Action Programs, which were approved
dan diperbarui pada tanggal 5 Juli 2021. Pedoman tersebut and last updated on July 5th, 2021. These guidelines were
dibuat dengan mengacu pada prinsip-prinsip GCG yang formulated in accordance with generally accepted GCG
umum diterapkan, sekaligus mematuhi peraturan perundang- principles and in compliance with prevailing laws and
undangan yang berlaku di sektor asuransi dan pasar modal. regulations in the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Unit Aksi Keuangan Information regarding the composition of the Sustainable
Berkelanjutan per 31 Desember 2025 diuraikan sebagai Financial Action Unit as of December 31st, 2025, is presented
berikut. below.
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Underwriting dan Pengembangan Produk
Timmie Manglassa
Chairman Underwriting and Product Development
Yekti Anggota
Finance
Setyaningningsih Member
Anggota
Anastasia CHRP
Member
Anggota
Djoko Perdana AAAIK
Member
Anggota Diangkat berdasarkan Surat Keputusan Direksi
Wineke Winawati AAAIK
Member No. 227/DIR-CS/IX/2024 tanggal 17 September 2024.
Periode jabatan 5 tahun dari 2023-2028.
Anggota Asuransi
Imelda Dewijanti Appointed by the Decree of the Board of Directors
Member Insurance
No. 227/DIR-CS/IX/2024 dated September 17th, 2024.
Luhur Anggota Asuransi The term of office is 5 years from 2023-2028.
Prihatiningrum Member Insurance
Sistem Manajemen Mutu, Sistem Manajemen
Christine Prety Anggota
Keuangan Berkelanjutan, Manajemen Risiko,
Ballerena
dan Asuransi
Quality Management System, Sustainable
Member Finance Management Management, and
Insurance
Anggota Asuransi dan Digital Product
Dedik Yulianto
Member Insurance and Digital Product
Independensi Independency
Perseroan memastikan bahwa anggota Unit Aksi Keuangan The Company ensures that the current members of
Berkelanjutan yang sedang menjabat dapat menjalankan the Sustainable Financial Action Unit perform their duties
tugas dan tanggung jawabnya secara independen tanpa and responsibilities independently, without any intervention
adanya intervensi dari Dewan Komisaris, Direksi, maupun from the Board of Commissioners, Board of Directors,
Pemegang Saham. Hal ini dilakukan untuk menjaga or Shareholders. This is intended to maintain objectivity
objektivitas dan integritas dalam pengambilan keputusan and integrity in decision-making and to ensure that
serta memastikan Unit Aksi Keuangan Berkelanjutan dapat the Sustainable Financial Action Unit operates professionally
bekerja secara profesional dan transparan demi kepentingan and transparently in the best interests of the Company.
terbaik Perseroan. Dengan demikian, independensi Unit Aksi Accordingly, the independence of the Sustainable Financial
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Tata Kelola Perusahaan
Keuangan Berkelanjutan menjadi salah satu prinsip utama Action Unit is upheld as one of the key principles supporting
yang dijaga untuk mendukung tata kelola perusahaan yang the implementation of good corporate governance.
baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Unit Aksi Keuangan Berkelanjutan pada tahun as the realization of the Sustainable Financial Action Unit’s
2025 diuraikan sebagai berikut. work programs in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Membuat program-program yang relevan dengan penerapan Menyusun program penerapan keuangan berkelanjutan untuk tahun 2025 dengan
keuangan berkelanjutan yang sesuai dengan ke 8 prinsip aksi memperhatikan prinsip aksi keberlanjutan, yakni:
berkelanjutan. 1. Tahun 2025: Tahap lanjutan “Implementasi Aspirasi Keberlanjutan LGI: Inovasi
Produk dan Program Edukasi untuk Meningkatkan Kesadaran Keberlanjutan”;
2. Tahun 2026: Tahap implementasi lanjutan “Pengelolaan Emisi dan Edukasi
Keberlanjutan: Pengurangan Emisi GHG, Inventarisasi Scope 3, dan Program
Kesadaran Keberlanjutan”;
3. Tahun 2027: Tahap implementasi lanjutan “Peningkatan Pengelolaan Mutu GHG,
Penyempurnaan Laporan Iklim Berkelanjutan, dan Kepatuhan terhadap Peta Jalan
OJK 2027”;
4. Tahun 2028: Optimalisasi Pelaporan Keberlanjutan dan Pengelolaan Data GHG:
Transparansi, Akurasi, dan Konsistensi untuk Meningkatkan Reputasi Perusahaan;
serta
5. Tahun 2029: “Pemantauan dan Penyesuaian Program Keberlanjutan Tahap II
(2024-2029) untuk Pencapaian Target Jangka Panjang”.
Creating programs that are relevant to the implementation Formulating a sustainable finance implementation program for 2025 by considering
of sustainable finance and align with the 8 principles of the principles of sustainability action, as follows:
sustainable action. 1. 2025: Advanced stage of “Implementation of LGI Sustainability Aspirations: Product
Innovation and Educational Programs to Enhance Sustainability Awareness.”
2. 2026: Advanced implementation stage of “Emission Management and Sustainability
Education: GHG Emissions Reduction, Scope 3 Inventory, and Sustainability
Awareness Programs.”
3. 2027: Advanced implementation stage of “Enhancement of GHG Quality
Management, Improvement of Sustainable Climate Reporting, and Compliance with
the OJK Roadmap 2027.”
4. 2028: Optimization of Sustainability Reporting and GHG Data Management:
Transparency, Accuracy, and Consistency to Enhance the Company’s Reputation;
and
5. 2029: “Monitoring and Adjustment of Phase II Sustainability Programs (2024-2029)
to Achieve Long-Term Targets.”
Mengoordinir pelaksanaan program/kegiatan Aksi Keuangan Secara berkala dilakukan rapat untuk membahas pelaksanaan program/kegiatan
Berkelanjutan sehingga dapat berjalan dengan lancar dan Aksi Keuangan Berkelanjutan sepanjang tahun 2025 salah satunya ialah penanaman
sesuai dengan RAKB yang telah ditetapkan. mangrove.
Coordinating the implementation of Sustainable Finance Meetings are regularly held to discuss the implementation of Sustainable Finance Action
Action programs/activities to ensure smooth implementation programs/activities throughout 2025, one of which was mangrove planting.
and in line with the established RAKB.
Rapat Meeting
Unit Aksi Keuangan Berkelanjutan dapat menyelenggarakan The Sustainable Financial Action Unit may hold meetings
rapat sesuai dengan kebutuhan. Sepanjang tahun 2025, Unit as necessary. Throughout 2025, the Sustainable Financial
Aksi Keuangan Berkelanjutan telah menyelenggarakan rapat Action Unit held 5 meetings. The attendance rate at each of
sebanyak 5 kali. Adapun tingkat kehadiran dalam setiap these meetings was recorded as follows.
rapat tersebut tercatat sebagai berikut.
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Corporate Governance
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Timmie Manglassa 5 5 100,00
Chairman
Anggota
Yekti Setyaningningsih 5 5 100,00
Member
Anggota
Anastasia 5 5 100,00
Member
Anggota
Djoko Perdana 5 5 100,00
Member
Anggota
Wineke Winawati 5 5 100,00
Member
Anggota
Imelda Dewijanti 5 5 100,00
Member
Anggota
Luhur Prihatiningrum 5 5 100,00
Member
Anggota
Christine Prety Ballerena 5 5 100,00
Member
Anggota
Dedik Yulianto 5 5 100,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Aksi Keuangan The competency development for the members of
Berkelanjutan dikelola secara sistematis oleh Departemen Sustainable Financial Action Unit is systematically managed
Talent Management, yang bertanggung jawab untuk by the Talent Management Department, which is responsible
mengoordinasikan berbagai program pelatihan dan for coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with identified needs and challenges. Such
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mentoring, and relevant self-directed learning. This
mandiri yang relevan. Proses ini juga didokumentasikan process is properly documented to ensure continuity and
secara rapi untuk memastikan keberlanjutan dan evaluasi to evaluate the effectiveness of competency development,
efektivitas pengembangan kompetensi, sehingga anggota enabling members of the Sustainable Financial Action Unit
Unit Aksi Keuangan Berkelanjutan dapat terus meningkatkan to continuously enhance their capabilities and contributions
kapabilitas dan kontribusinya dalam mendukung tata kelola in supporting the implementation of good corporate
perusahaan yang baik. governance.
Sepanjang tahun 2025, seluruh anggota Unit Aksi Throughout 2025, all members of the Sustainable
Keuangan Berkelanjutan telah melaksanakan berbagai Financial Action Unit participated in various competency
kegiatan pengembangan kompetensi. Informasi mengenai development activities. Information regarding
pengembangan kompetensi yang diikuti oleh Bapak Timmie the competency development undertaken by Mr. Timmie
Manglassa selaku Ketua Unit Aksi Keuangan Berkelanjutan Manglassa, as Head of the Sustainable Financial Action
telah diungkapkan dalam pembahasan pengembangan Unit, has been disclosed in the explanation of competency
kompetensi Komite Pengembangan Produk. Begitu pula development for the Product Development Committee.
dengan Ibu Yuita Kusmawaty, Ibu Wineke Winawati, Likewise, the competency development of Mrs. Yuita
Ibu Imelda Dewijanti, Ibu Luhur Prihatiningrum, dan Kusmawaty, Mrs. Wineke Winawati, Mrs. Imelda Dewijanti,
Ibu Christine Prety Ballerena selaku Anggota Unit Aksi Mrs. Luhur Prihatiningrum, and Mrs. Christine Prety Ballerena,
Keuangan Berkelanjutan masing-masing telah diungkapkan as Members of the Sustainable Financial Action Unit, has
dalam pembahasan pengembangan kompetensi Unit been disclosed in the explanation of the competency
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 299
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Tata Kelola Perusahaan
Asset & Liability Management, Unit Pelindungan Konsumen development for Asset & Liability Management Unit,
dan Masyarakat, Unit Anti-Fraud, Unit Corporate Social Consumer and Public Protection Unit, Anti-Fraud Unit,
Responsibility, serta APU PPT & PPPSPM. Sedangkan, Corporate Social Responsibility Unit, and AML - CFT &
pengembangan kompetensi yang diikuti oleh Anggota Unit CPF, respectively. Meanwhile, information regarding the
Aksi Keuangan Berkelanjutan lainnya diungkapkan sebagai competency development undertaken by other Members of
berikut. the Sustainable Financial Action Unit is disclosed as follows.
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Yekti
Anastasia Djoko Perdana Dedik Yulianto
Setyaningningsih
ESG & Risk Align, Adapt, & Accelerate. -
Webinar on Sustainability Report. - - -
Unit Pelindungan Data Pribadi Personal Data Protection Unit
Unit Pelindungan Data Pribadi merupakan unit yang The Personal Data Protection Unit is responsible for
bertanggung jawab untuk mengelola dan memastikan managing and ensuring the protection of personal data in
perlindungan data pribadi sesuai dengan ketentuan yang accordance with the provisions stipulated in Law No. 27 of
diatur dalam Undang-Undang No. 27 Tahun 2022 tentang 2022 on Personal Data Protection (PDP Law). The Personal
Perlindungan Data Pribadi (UU PDP). Unit Pelindungan Data Protection Unit plays an important role in safeguarding
Data Pribadi berperan penting dalam menjaga kerahasiaan, the confidentiality, security, and integrity of personal data
keamanan, dan integritas data pribadi yang dimiliki oleh owned by the Company or organization, while ensuring that
perusahaan atau organisasi, sekaligus memastikan bahwa the collection, storage, and processing of data are conducted
pengumpulan, penyimpanan, dan pemrosesan data in a lawful, transparent, and accountable manner.
dilakukan secara legal, transparan, dan bertanggung jawab.
Pedoman Kerja Work Guidelines
Unit Pelindungan Data Pribadi melaksanakan tugas dan The Personal Data Protection Unit carries out its duties and
tanggung jawabnya dengan berpedoman pada Pedoman responsibilities in accordance with the Guidelines for Personal
Pelindungan Data Pribadi yang telah disahkan dan diperbarui Data Protection, which were approved and last updated
pada tanggal 3 Januari 2025. Pedoman tersebut dibuat on January 3rd, 2025. These guidelines were formulated
dengan mengacu pada prinsip-prinsip GCG yang umum in accordance with generally accepted GCG principles
diterapkan, sekaligus mematuhi peraturan perundang- and in compliance with prevailing laws and regulations in
undangan yang berlaku di sektor asuransi dan pasar modal. the insurance and capital market sectors.
Komposisi Composition
Informasi mengenai komposisi Unit Pelindungan Data Pribadi Information regarding the composition of the Personal Data
per 31 Desember 2025 diuraikan sebagai berikut. Protection Unit as of December 31st, 2025, is presented
below.
300 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 303
Corporate Governance
Nama Jabatan Kualifikasi Periode Menjabat dan Dasar Pengangkatan
Name Position Qualification Office Tenure and Basis of Appointment
Ketua Hukum
Ivo Santri Lubis
Chairman Legal
Anggota Praktisi Data Science
Achmad Zaini
Member Data Science Practitioner
Anggota Teknologi Informasi
Aditya Prasetyo
Member Information Technology
Anggota
Anastasia CHRP
Member
Anggota Certified Penetration Testing Professional
Chaniago
Member Certified Ethical Hacker
Anggota Manajemen Risiko, Underwriting, Pemasaran
Digital, dan Pengembangan Produk
Charles Hanafie
Risk Management, Underwriting, Digital
Member
Marketing, and Product Development
Anggota
Dyah Ayu Arditya IT (System Informasi Business Inteligence)
Member
Edhita Ayu
Anggota Underwriting dan Analisa Risiko
Trihapsari Wibowo Diangkat berdasarkan Surat Keputusan Direksi
Member Underwriting and Risk Analysis
Notosantoso No. 228/DIR-CS/IX/2024 tanggal 17 September 2024.
Periode jabatan mengikuti masa kerja Direksi sebagaimana
Anggota
Irsan Rivani AAAIK dimuat dalam Anggaran Dasar Perseroan.
Member
Appointed by the Decree of the Board of Directors
Statistika, Underwriting, dan Tenaga Ahli No. 228/DIR-CS/IX/2024 dated September 17th, 2024.
Jessy Christina Anggota Perusahaan dengan gelar AAIK The term of office is in accordance with the term of office
Hutagalung Member Statistics, Underwriting, and Company Expert of the Board of Directors as stipulated in the Company’s
with AAIK certification Articles of Association.
Anggota Asuransi dan Pemrosesan Data
Ladyawati
Member Insurance and Data Processing
Anggota
Maureen Indriaty AAAIK
Member
Sistem Manajemen Mutu, Sistem Manajemen
Keamanan Informasi, dan Manajemen Risiko
Nadia Erlikasna Br. Anggota
Pandia Member Quality Management System, Information
Security Management System, and Risk
Management
Putut Haryo Anggota Asuransi dan Pemrosesan Data
Pangasto Member Insurance and Data Processing
Anggota Medis dan Kedokteran
dr. Rudy Tjahjadi
Member Medical and Medicine
Anggota CNLA dan Underwriting
William Kusmono
Member CNLA and Underwriting
Anggota Asuransi, Pemasaran, dan Manajemen
Wisnu Erlangga
Member Insurance, Marketing, and Management
Independensi Independency
Perseroan memastikan bahwa anggota Unit Pelindungan The Company ensures that the current members of
Data Pribadi yang sedang menjabat dapat menjalankan the Personal Data Protection Unit perform their duties and
tugas dan tanggung jawabnya secara independen tanpa responsibilities independently, without any intervention
adanya intervensi dari Dewan Komisaris, Direksi, maupun from the Board of Commissioners, Board of Directors, or
Pemegang Saham. Hal ini dilakukan untuk menjaga Shareholders. This is intended to maintain objectivity and
objektivitas dan integritas dalam pengambilan keputusan integrity in decision-making and to ensure that the Personal
serta memastikan Unit Pelindungan Data Pribadi dapat Data Protection Unit operates professionally and transparently
bekerja secara profesional dan transparan demi kepentingan in the best interests of the Company. Accordingly,
terbaik Perseroan. Dengan demikian, independensi Unit the independence of the Personal Data Protection
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 301
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Tata Kelola Perusahaan
Pelindungan Data Pribadi menjadi salah satu prinsip utama Unit is upheld as one of the key principles supporting
yang dijaga untuk mendukung tata kelola perusahaan yang the implementation of good corporate governance.
baik.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta Information regarding the duties and responsibilities, as well
realisasi program kerja Unit Pelindungan Data Pribadi pada as the realization of the Personal Data Protection Unit’s work
tahun 2025 diuraikan sebagai berikut. programs in 2025, is described as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Bertanggung jawab untuk menginformasikan dan Unit Pelindungan Data Pribadi menginformasikan dan memberikan saran kepada
memberikan saran kepada Pengendali Data Pribadi atau Pengendali Data Pribadi atau Prosesor Data Pribadi melalui sosialisasi implementasi
Prosesor Data Pribadi agar mematuhi ketentuan dalam Undang-Undang Pelindungan Data Pribadi di Perseroan.
peraturan perundang-undangan di bidang pelindungan data
pribadi.
Responsible for informing and advising the Personal Data The Personal Data Protection Unit informed and provided advice to the Personal Data
Controller or Personal Data Processor to comply with Controller or Personal Data Processor through dissemination of the implementation of
the provisions of laws and regulations on personal data Personal Data Protection Law in the Company.
protection.
Bertanggung jawab memantau dan memastikan kepatuhan Unit Pelindungan Data Pribadi melakukan pemantauan kepatuhan terhadap ketentuan
terhadap ketentuan dalam peraturan perundang-undangan dalam peraturan perundang-undangan di bidang pelindungan data pribadi secara
di bidang pelindungan data pribadi dan kebijakan Pengendali berkala melalui Pedoman Pelindungan Data Pribadi yang telah ditetapkan dan
Data Pribadi atau Prosesor Data Pribadi. disosialisasikan kepada seluruh Pengendali Data Pribadi dan Prosesor Data Pribadi.
Responsible for monitoring and ensuring compliance with The Personal Data Protection Unit supervised compliance with the provisions of laws
the provisions of laws and regulations on personal data and regulations on personal data protection on a regular basis through the Personal
protection and policies on Personal Data Controller or Data Protection Guidelines that had been established and disseminated to all Personal
Personal Data Processor. Data Controllers and Personal Data Processors.
Bertanggung jawab untuk memberikan saran mengenai Unit Pelindungan Data Pribadi memberikan saran mengenai penilaian dampak
penilaian dampak Pelindungan Data Pribadi dan memantau pelindungan data pribadi dan memantau kinerja Pengendali Data Pribadi dan Prosesor
kinerja Pengendali Data Pribadi dan Prosesor Data Pribadi. Data Pribadi melalui formulir yang telah ditetapkan di Perseroan.
Responsible for providing advice on Personal Data Protection The Personal Data Protection Unit provided advice on the assessment of impact of
impact assessments and monitoring the performance of personal data protection and monitored the performance of Personal Data Controllers
Personal Data Controllers and Personal Data Processors. and Personal Data Processors through the forms established in the Company.
Bertanggung jawab untuk berkoordinasi dan bertindak Unit Pelindungan Data Pribadi bertindak sebagai narahubung yang mewakili Perseroan
sebagai narahubung untuk isu yang berkaitan dengan untuk semua isu yang berkaitan dengan data pribadi.
pemrosesan data pribadi.
Responsible for coordinating and acting as a contact person The Personal Data Protection Unit acted as a contact person representing the Company
for issues related to personal data processing. for all issues related to personal data.
Bertanggung jawab untuk melaporkan kinerja Pengendali Sebagai tindak lanjut atas pemantauan kinerja Pengendali dan/atau Prosesor Data
dan/atau Prosesor Data Pribadi kepada Chief Compliance Pribadi, maka Unit Pelindungan Data Pribadi akan melaporkan hasil evaluasi ke Chief
Officer, Direksi, dan/atau Lembaga Pelindungan Data Pribadi Compliance Officer, Direksi, dan/atau Lembaga Pelindungan Data Pribadi.
dalam hal pejabat pelindungan data pribadi menilai pihak
tersebut telah atau tidak menerapkan langkah teknis dan
operasional yang turut mempertimbangkan pelindungan
subjek data pribadi.
Responsible for reporting the performance of Controller As a follow-up to the monitoring of performance of Controller and/or the Personal
and/or Personal Data Processor to the Chief Compliance Data Processor, the Personal Data Protection Unit will report the evaluation results to
Officer, Board of Directors, and/or Personal Data Protection the Chief Compliance Officer, Board of Directors, and/or Personal Data Protection
Agency in the event that the personal data protection officer Agency.
assesses that the party has or has not implemented technical
and operational measures that take into account the protection
of personal data subjects.
Bertanggung jawab untuk melakukan upaya yang dibutuhkan Unit Pelindungan Data Pribadi secara berkelanjutan berkoordinasi dengan semua
untuk memastikan Pengendali dan/atau Prosesor Data Pribadi bagian di Perseroan yang bertanggung jawab untuk menerapkan langkah teknis dalam
menerapkan langkah teknis dan operasional yang turut implementasi pelindungan data pribadi.
mempertimbangkan pelindungan hak dan kebebasan subjek
data pribadi.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Responsible for making necessary efforts to ensure that The Personal Data Protection Unit continuously coordinated with all departments in
the Controller and/or Processor of Personal Data implement the Company that were responsible for technical measures in the implementation of
technical and operational measures that consider protection personal data protection.
of rights and freedoms of personal data subjects.
Memberikan sosialisasi kepada seluruh karyawan di Perseroan Sebagai salah satu bentuk kepatuhan terhadap implementasi Undang-Undang
mengenai pelindungan data pribadi minimal 1 kali dalam Pelindungan Data Pribadi, Unit Pelindungan Data Pribadi melakukan sosialisasi kepada
setahun. seluruh karyawan dan melakukan pelatihan tambahan kepada tim yang menangani
data sensitif untuk meningkatkan pemahaman tentang risiko pelanggaran data.
Providing dissemination to all employees in the Company As a form of compliance with the implementation of Personal Data Protection Law,
regarding the protection of personal data at least once a year. the Personal Data Protection Unit conducted dissemination to all employees and
conducted additional training to teams that handle sensitive data to increase
understanding of the risks of data breaches.
Rapat Meeting
Unit Pelindungan Data Pribadi wajib menyelenggarakan rapat The Personal Data Protection Unit is required to hold meetings
paling sedikit 1 kali dalam setahun. Sepanjang tahun 2025, at least once a year. Throughout 2025, the Personal Data
Unit Pelindungan Data Pribadi telah menyelenggarakan Protection Unit held 2 meetings. The attendance rate at each
rapat sebanyak 2 kali. Adapun tingkat kehadiran dalam setiap of these meetings was recorded as follows.
rapat tersebut tercatat sebagai berikut.
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Ketua
Ivo Santri Lubis 2 2 100,00
Chairman
Anggota
Achmad Zaini 1 2 50,00
Member
Anggota
Aditya Prasetyo 2 2 100,00
Member
Anggota
Anastasia 1 2 50,00
Member
Anggota
Chaniago 1 2 50,00
Member
Anggota
Charles Hanafie 1 2 50,00
Member
Anggota
Dyah Ayu Arditya 1 2 50,00
Member
Edhita Ayu
Anggota
Trihapsari Wibowo 1 2 50,00
Member
Notosantoso
Anggota
Irsan Rivani 1 2 50,00
Member
Anggota
Jessy Christina Hutagalung 1 2 50,00
Member
Anggota
Ladyawati 1 2 50,00
Member
Anggota
Maureen Indriaty 1 2 50,00
Member
Anggota
Nadia Erlikasna Br. Pandia 2 2 100,00
Member
Anggota
Putut Haryo Pangasto 1 2 50,00
Member
Anggota
dr. Rudy Tjahjadi 1 2 50,00
Member
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 303
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Tata Kelola Perusahaan
Tingkat Kehadiran
Nama Jabatan Jumlah Kehadiran Jumlah Rapat
Level of Attendance
Name Position Total Attendance Total Meeting
(%)
Anggota
William Kusmono 1 2 50,00
Member
Anggota
Wisnu Erlangga 1 2 50,00
Member
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi anggota Unit Pelindungan The competency development for the members of
Data Pribadi dikelola secara sistematis oleh Departemen Personal Data Protection Unit is systematically managed by
Talent Management, yang bertanggung jawab untuk the Talent Management Department, which is responsible
mengoordinasikan berbagai program pelatihan dan for coordinating various training and development programs
pengembangan sesuai dengan kebutuhan serta tantangan in accordance with identified needs and challenges. Such
yang dihadapi. Pengembangan kompetensi ini dapat competency development can be conducted in various
dilakukan melalui berbagai bentuk, seperti pelatihan formal, forms, including formal training, workshops, seminars,
workshop, seminar, mentoring, hingga pembelajaran mentoring, and relevant self-directed learning. This process
mandiri yang relevan. Proses ini juga didokumentasikan is properly documented to ensure continuity and to evaluate
secara rapi untuk memastikan keberlanjutan dan evaluasi the effectiveness of competency development, enabling
efektivitas pengembangan kompetensi, sehingga anggota members of the Personal Data Protection Unit to continuously
Unit Pelindungan Data Pribadi dapat terus meningkatkan enhance their capabilities and contributions in supporting
kapabilitas dan kontribusinya dalam mendukung tata kelola the implementation of good corporate governance.
perusahaan yang baik.
Sepanjang tahun 2025, seluruh anggota Unit Pelindungan Throughout 2025, all members of the Personal Data
Data Pribadi telah melaksanakan berbagai kegiatan Protection Unit participated in various competency
pengembangan kompetensi. Informasi mengenai development activities. Information regarding the
pengembangan kompetensi yang diikuti oleh Bapak Ivo competency development undertaken by Mr. Ivo Santri
Santri Lubis selaku Ketua Unit Pelindungan Data Pribadi Lubis, as Head of the Personal Data Protection Unit,
telah diungkapkan dalam pembahasan pengembangan has been disclosed in the explanation of competency
kompetensi APU PPT & PPPSPM. Begitu pula dengan development for AML - CFT & CPF. Likewise, the competency
Ibu Anastasia, Bapak Chaniago, Bapak Charles Hanafie, development of Mrs. Anastasia, Mr. Chaniago, Mr. Charles
Bapak Irsan Rivani, Ibu Jessy Christina Hutagalung, Hanafie, Mr. Irsan Rivani, Mrs. Jessy Christina Hutagalung,
Ibu Ladyawati, Ibu Maureen Indriaty, Ibu Nadia Erlikasna Mrs. Ladyawati, Mrs. Maureen Indriaty, Mrs. Nadia Erlikasna
Br. Pandia, Bapak Putut Haryo Pangasto, dr. Rudy Tjahjadi, Br. Pandia, Mr. Putut Haryo Pangasto, dr. Rudy Tjahjadi,
Bapak William Kusmono, Bapak Wisnu Erlangga, dan Mr. William Kusmono, Mr. Wisnu Erlangga, and Mr. Aditya
Bapak Aditya Prasetyo sebagai Anggota Unit Pelindungan Prasetyo, as members of the Personal Data Protection
Data Pribadi masing-masing telah diungkapkan dalam Unit, has been disclosed in the explanation of competency
pembahasan pengembangan kompetensi Unit Aksi Keuangan development for the Sustainable Finance Action Unit,
Berkelanjutan, Komite Pengarah Teknologi Informasi, the Information Technology Steering Committee, the
Komite Pemantau Risiko, Unit Pelindungan Konsumen dan Risk Oversight Committee, the Consumer and Public
Masyarakat, Komite Investasi, Komite Pengarah Teknologi Protection Unit, the Investment Committee, the Information
Informasi, Unit Pelindungan Konsumen dan Masyarakat, Technology Steering Committee, the Consumer and Public
APU PPT & PPPSPM, Komite Pengarah Teknologi Protection Unit, the AML-CFT & CPF, the Information
Informasi, Komite Medis, Komite Pengembangan Produk, Technology Steering Committee, the Medical Committee,
Unit Anti-Fraud, serta Unit Pelindungan Konsumen dan the Product Development Committee, the Anti-Fraud Unit,
Masyarakat. Sedangkan, pengembangan kompetensi yang and the Consumer and Public Protection Unit, respectively.
diikuti oleh Anggota Unit Pelindungan Data Pribadi lainnya Meanwhile, information on competency development
diungkapkan sebagai berikut. undertaken by other members of the Personal Data
Protection Unit is disclosed as follows.
304 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Kehadiran
Attendance
Pengembangan Kompetensi
Competency Development Edhita Ayu Trihapsari
Achmad Zaini Dyah Ayu Arditya
Wibowo Notosantoso
RiskHub - Securing the unseen : Data, Threats, &
- -
the Future of Cyber Risk Management.
Balancing Innovation and Privacy, The Impact of AI on
- -
Data Protection in Indonesia.
Marine & Energy Insurance Seminar. - -
Sekretaris Perusahaan
Corporate Secretary
Sekretaris Perusahaan merupakan posisi strategis yang The Corporate Secretary is a strategic position responsible
bertanggung jawab untuk memastikan kelancaran for ensuring effective communication among the Company’s
komunikasi antara manajemen Perseroan, Direksi, management, Board of Directors, Shareholders, and other
Pemegang Saham, dan pemangku kepentingan lainnya. stakeholders. In addition to serving as the primary liaison
Selain berperan sebagai penghubung utama dalam hal tata in corporate governance matters, the Corporate Secretary
kelola perusahaan, Sekretaris Perusahaan juga memastikan ensures compliance with applicable laws and regulations,
kepatuhan terhadap regulasi dan peraturan yang berlaku, particularly in terms of reporting and transparency.
terutama dalam aspek pelaporan dan transparansi. Dengan By performing administrative functions, coordinating
menjalankan fungsi administratif, koordinasi rapat, dan meetings, and professionally managing corporate decision
dokumentasi keputusan Perseroan secara profesional, documentation, the Corporate Secretary supports
Sekretaris Perusahaan mendukung terciptanya GCG yang the implementation of GCG, which ultimately enhances
pada akhirnya meningkatkan kredibilitas dan kepercayaan the credibility and public trust in the Company.
publik terhadap Perseroan.
Pedoman Kerja Work Guidelines
Sekretaris Perusahaan melaksanakan tugas dan tanggung The Corporate Secretary performs its duties and
jawabnya dengan berpedoman pada Peraturan OJK responsibilities in accordance with OJK Regulation
No. 35/POJK.04/2014 tentang Sekretaris Perusahaan No. 35/POJK.04/2014 on the Corporate Secretary of Issuers
Emiten atau Perusahaan Publik. or Public Companies.
Profil Sekretaris Perusahaan Profile of the Corporate Secretary
Sebagai penghubung antara Perseroan dengan pemangku As the liaison between the Company and its stakeholders,
kepentingan, peran Sekretaris Perusahaan menjadi sangat the Corporate Secretary plays a critical role in supporting
penting dalam mendukung transparansi, keterbukaan transparency, information disclosure, and the implementation
informasi, dan penerapan GCG. Posisi Sekretaris Perusahaan of GCG. The position of Corporate Secretary is currently
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 305
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Tata Kelola Perusahaan
saat ini dijabat oleh Ibu Satini Kartika Sari sejak tahun 2003, held by Mrs. Satini Kartika Sari, who has been serving in
berdasarkan Surat Penunjukan No. 049/HRD/LGI/VII/2003 this position since 2003, pursuant to Appointment Letter
tanggal 31 Juli 2003. Informasi lebih lengkap mengenai No. 049/HRD/LGI/VII/2003 dated July 31st, 2003. More
profil Ibu Satini Kartika Sari dapat dilihat pada Bab Profil detailed information regarding the profile of Mrs. Satini
Perusahaan dalam Laporan Tahunan ini. Kartika Sari is presented in the Company Profile chapter of
this Annual Report.
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Sekretaris Perusahaan pada tahun 2025 as the realization of the Corporate Secretary’s work programs
diuraikan sebagai berikut. in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memastikan pelaksanaan aksi korporasi Perseroan sesuai Memastikan pelaksanaan aksi korporasi Perseroan sesuai dengan peraturan yang
dengan peraturan yang berlaku di bidang asuransi dan pasar berlaku di bidang asuransi dan pasar modal. Tugas ini melibatkan pengawasan dan
modal. pemantauan terhadap setiap langkah aksi korporasi untuk memastikan bahwa seluruh
tindakan dan keputusan mematuhi peraturan dan standar yang ditetapkan oleh otoritas
terkait. Sepanjang tahun 2025, Sekretaris Perusahaan telah melaksanakan beberapa
aksi korporasi, antara lain:
1. RUPS Luar Biasa pada tanggal 20 Januari 2025 dengan agenda Rapat Pengesahan
Pengunduran Diri Komisaris Independen dan Komisaris Perseroan;
2. RUPS Tahunan pada tanggal 29 April 2025;
3. Pembagian dividen tunai yang dibayarkan oleh Perseroan pada tanggal
28 Mei 2025;
4. RUPS Luar Biasa pada tanggal 12 Desember 2025 dengan agenda Persetujuan
Perubahan Kepemilikan Sebagian Saham Perseroan dari PT Hanwha Life Insurance
Indonesia ke Hanwha General Insurance Co. Ltd dan Penetapan dan/atau Perubahan
serta Pengangkatan Susunan Anggota Dewan Komisaris Perseroan termasuk
Komisaris Independen; serta
5. Public Expose pada tanggal 12 Desember 2025.
Company’s corporate actions is in accordance with applicable Ensuring the implementation of the Company’s corporate actions in accordance with
regulations in the insurance sector and capital market. the prevailing regulations in the field of insurance and capital markets. This task involves
supervising and monitoring every step of corporate action to ensure that all actions and
decisions comply with the regulations and standards set by the relevant authorities.
Throughout 2025, the Corporate Secretary carried out several corporate actions,
among others:
1. Extraordinary GMS held on January 20th, 2025, with the agenda of approving
the resignation of the Independent Commissioner and a Commissioner of
the Company;
2. Annual GMS held on April 29th, 2025;
3. Distribution of cash dividends paid by the Company on May 28th, 2025; and
4. Extraordinary GMS held on December 12th, 2025, with the agenda of approving
the change in ownership of part of the Company’s shares from PT Hanwha Life
Insurance Indonesia to Hanwha General Insurance Co., Ltd., and the determination
and/or amendment as well as the appointment of the composition of the Company’s
Board of Commissioners, including the Independent Commissioner.
5. Public Expose held on December 12th, 2025.
Menyediakan informasi kepada seluruh Pemegang Saham Menyediakan informasi kepada seluruh Pemegang Saham dan/atau pemangku
dan/atau Pemangku Kepentingan lainnya secara tepat waktu, kepentingan lainnya secara tepat waktu, akurat, dan bertanggung jawab berdasarkan
akurat, dan bertanggung jawab berdasarkan pada prinsip prinsip transparansi. Tugas ini melibatkan pengumpulan, verifikasi, dan distribusi
transparansi. informasi yang relevan mengenai kinerja, kebijakan, dan kegiatan Perseroan. Sekretaris
Perusahaan memastikan bahwa seluruh informasi yang disampaikan memenuhi standar
transparansi, memberikan gambaran yang jelas dan komprehensif tentang keadaan
Perseroan, serta memperhatikan kebutuhan dan hak-hak Pemegang Saham dan
pemangku kepentingan.
Providing information to all Shareholders and/or other Providing information to all Shareholders and/or other stakeholders in a timely,
Stakeholders in a timely, accurate, and responsible manner in accurate, and responsible manner based on the principle of transparency. This task
accordance with the transparency principle. involves the collection, verification, and distribution of relevant information regarding
the Company’s performance, policies, and activities. The Corporate Secretary ensures
that all information submitted meets transparency standards, provides a clear and
comprehensive picture of the Company’s condition, and takes into account the needs
and rights of Shareholders and stakeholders.
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Corporate Governance
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Memantau perkembangan pasar modal dan industri Memantau perkembangan pasar modal dan industri asuransi untuk memberikan
asuransi untuk memberikan masukan kepada Direksi masukan kepada Direksi mengenai kepatuhan dan ketentuan lain yang berlaku terkait
mengenai kepatuhan dan ketentuan lain yang berlaku terkait pelaksanaan GCG. Tugas ini mencakup pemantauan terhadap perubahan peraturan,
pelaksanaan GCG. kebijakan, dan tren industri yang dapat memengaruhi praktik GCG Perseroan. Dalam
mendukung pelaksanaan tugas ini, Sekretaris Perusahaan juga terlibat aktif mengikuti
berbagai program pengembangan kompetensi, baik yang diselenggarakan oleh
Otoritas Jasa Keuangan, Bursa Efek Indonesia, maupun lembaga lain yang membahas
mengenai perkembangan regulasi di pasar modal.
Monitoring the development in the capital market and Monitoring developments in the capital market and insurance industry to provide input
Insurance Industry to provide insight to the Board of Directors to the Board of Directors regarding compliance and other applicable provisions related
regarding compliance with the regulations on the capital to GCG implementation. This task includes monitoring changes in regulations, policies,
market and insurance industry as well as other applicable and industry trends that may affect the Company’s GCG practices. In supporting
regulations on GCG implementation. the implementation of this task, the Corporate Secretary is also actively involved in
participating in various competency development programs, as organized by Financial
Services Authority, Indonesia Stock Exchange, and other institutions that discuss
regulatory developments in the capital market.
Memastikan bahwa semua izin-izin usaha yang diperlukan Memastikan bahwa seluruh izin-izin usaha yang diperlukan oleh Perseroan tersedia dan
oleh Perseroan tersedia dan berlaku. berlaku. Tugas ini mencakup pengelolaan dan pemantauan status izin-izin usaha yang
diperlukan untuk operasional Perseroan, termasuk izin dari otoritas peraturan di bidang
asuransi dan pasar modal. Sekretaris Perusahaan bekerja sama dengan departemen
terkait untuk memastikan bahwa seluruh izin diperoleh tepat waktu, diperbarui sesuai
jadwal, dan memenuhi persyaratan yang ditetapkan oleh peraturan yang berlaku.
Ensuring that all necessary business permits are available and Ensuring that all business licenses required by the Company are available and valid.
valid. This task includes managing and monitoring the status of business licenses required for
the Company’s operations, including licenses from regulatory authorities in insurance
and capital markets. The Corporate Secretary works closely with the relevant
departments to ensure that all licenses are obtained on time, renewed on schedule, and
meet the requirements set by the applicable regulations.
Melaksanakan kegiatan sekretariat lainnya. Melaksanakan berbagai kegiatan sekretariat lainnya, termasuk penyusunan dan
pengelolaan dokumentasi Perseroan, penjadwalan pertemuan dan rapat, serta
koordinasi dengan berbagai pihak internal dan eksternal. Tugas ini juga mencakup
pengelolaan arsip, penyampaian notulen rapat, dan dukungan administratif untuk
kebutuhan manajemen dan Direksi.
Performing other secretariat activities. Performing various other secretariat activities, including the preparation and
management of the Company’s documentation, scheduling of meetings and gatherings,
and coordination with various internal and external parties. This task also includes
archive management, submission of meeting minutes, and administrative support for
the needs of management and the Board of Directors.
Memastikan semua laporan kepada regulator industri asuransi, Memastikan bahwa seluruh laporan kepada regulator industri asuransi, pasar modal,
pasar modal, dan instansi terkait lainnya disampaikan secara dan instansi terkait lainnya disampaikan secara tepat waktu. Tugas ini melibatkan
tepat waktu. pengumpulan, penyusunan, dan verifikasi informasi yang diperlukan untuk laporan,
serta memastikan bahwa seluruh dokumen memenuhi standar yang ditetapkan oleh
otoritas terkait. Sepanjang tahun 2025, Sekretaris Perusahaan telah menyampaikan
laporan berkala dan laporan insidental kepada regulator industri asuransi, pasar modal,
dan instansi terkait dengan tepat waktu.
Ensuring that all reports are submitted in a timely manner to Ensuring that all reports to insurance industry regulators, capital markets, and other
the regulators of the insurance industry and capital market as relevant agencies are submitted in a timely manner. This task involves collecting,
well as other related institutions. compiling, and verifying the information required for the reports, as well as ensuring
that all documents meet the standards set by the relevant authorities. Throughout 2025,
the Corporate Secretary submitted periodic and incidental reports to insurance industry
regulators, capital markets, and other relevant agencies in a timely manner.
Menyelenggarakan dan mendokumentasikan rapat Direksi Menyelenggarakan dan mendokumentasikan rapat Direksi dan/atau Dewan Komisaris
dan/atau Dewan Komisaris. dengan efektif. Tugas ini mencakup perencanaan dan pengaturan rapat, termasuk
penjadwalan, penyebaran undangan, dan persiapan agenda.
Organizing and documenting the meetings of the Board of Organizing and documenting Board of Directors and/or Board of Commissioners
Directors and/or the Board of Commissioners. meetings effectively. This task includes planning and organizing meetings, including
scheduling, invitation distribution, and agenda preparation.
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Tata Kelola Perusahaan
Pengembangan Kompetensi Competency Development
Pengembangan kompetensi Sekretaris Perusahaan menjadi The competency development for the Corporate Secretary is
langkah penting untuk meningkatkan kemampuan dan an important step in enhancing capability and professionalism
profesionalisme dalam menjalankan tugasnya. Proses in the performance of duties. This development process
pengembangan ini meliputi pelatihan dan pembelajaran includes training and learning activities designed to ensure that
yang dirancang agar Sekretaris Perusahaan dapat the Corporate Secretary effectively masters communication
menguasai keterampilan komunikasi, manajemen waktu, skills, time management, and an understanding of
dan pemahaman regulasi Perseroan secara efektif. the Company’s regulations. All management, coordination,
Seluruh pengelolaan, koordinasi, dan pendokumentasian and documentation of competency development are carried
pengembangan kompetensi ini dilakukan oleh Departemen out by the Talent Management Department to ensure that
Talent Management guna memastikan proses berjalan the process is conducted in a structured and sustainable
dengan terstruktur dan berkelanjutan. Informasi mengenai manner. Information regarding the competency development
pengembangan kompetensi yang diikuti oleh Sekretaris activities undertaken by the Corporate Secretary throughout
Perusahaan sepanjang tahun 2025 diungkapkan sebagai 2025 is disclosed as follows.
berikut.
Topik Pengembangan Kompetensi Tempat dan Waktu Penyelenggara
Competency Development Subject Venue and Time Organizer
Transformasi Digital: Tren Inovasi Teknologi Zoom, 23 Januari 2025 OJK
di Sektor Keuangan (OJK Institute).
Digital Transformation: Technology Innovation Trends Zoom, January 23rd, 2025
in the Financial Sector (OJK Institute).
Sosialisasi Peraturan OJK No. 45 Tahun 2024 tentang Pengembangan dan Zoom, 6 Februari 2025 OJK
Penguatan Emiten dan Perusahaan Publik.
Dissemination of OJK Regulation No. 45 of 2024 on the Development and Zoom, February 6th, 2025
Strengthening of Issuers and Public Companies.
Zoom, 28 Februari 2025
Free Float Compliance (IDX). BEI
Zoom, February 28th, 2025
Mewujudkan Hari Tua yang Sejahtera: Zoom, 21 Agustus 2025 OJK
Strategi PeningkatanKepesertaan Dana Pensiun di Sektor Informal.
Achieving a Prosperous Retirement: Zoom, August 21st, 2025
Strategies to Increase Pension Fund Participation in the Informal Sector.
Tren Modus dan Skema Pencucian Uang Terbaru: Zoom, 18 September 2025 OJK
Strategi Identifikasi, Mitigasi, dan Penegakan Hukum.
Latest Trends in Money Laundering Methods and Schemes: Zoom, September 18th, 2025
Strategies for Identification, Mitigation, and Law Enforcement.
Unit Audit Internal
Internal Audit Unit
Unit Audit Internal merupakan bagian penting dalam The Internal Audit Unit is an integral part of the Company
Perseroan yang menjalankan fungsi evaluasi independen and is responsible for the implementation of independent
atas efektivitas sistem pengendalian internal, proses evaluation function for the internal control system,
operasional, dan kepatuhan terhadap kebijakan serta operational processes, and compliance with applicable
peraturan yang berlaku. Melalui pelaksanaan audit yang policies and regulations. By performing audits objectively
objektif dan menyeluruh, Unit Audit Internal berperan and comprehensively, the Internal Audit Unit helps identify
dalam mengidentifikasi risiko, kelemahan, dan potensi risks, weaknesses, and potential irregularities that may
penyimpangan yang dapat memengaruhi kinerja dan affect the Company’s performance and integrity. The
integritas Perseroan. Rekomendasi perbaikan yang dihasilkan recommendations for improvement serve as the basis for
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Corporate Governance
menjadi dasar bagi peningkatan efektivitas pengelolaan enhancing the effectiveness of resource management,
sumber daya, mendukung pencapaian tujuan perusahaan, supporting the achievement of the Company’s objectives,
dan memperkuat transparansi serta akuntabilitas di seluruh and strengthening transparency and accountability across all
lini bisnis. business lines.
Pedoman Kerja Work Guidelines
Unit Audit Internal melaksanakan tugas dan tanggung The Internal Audit Unit carries out its duties and responsibilities
jawabnya dengan berpedoman pada Piagam Internal Audit in accordance with the Internal Audit’s Charter, which was
yang telah disahkan pada tanggal 19 Juli 2024 dan Standar approved on July 19th, 2024, and the Standard Operating
Operasional Prosedur (SOP) tanggal 11 Oktober 2024. Procedures (SOP) dated October 11th, 2024.
Struktur dan Kedudukan Structure and Position
Dalam menjaga fungsi pengawasan yang efektif, struktur To ensure an effective oversight function, the Internal Audit
dan kedudukan Unit Audit Internal diatur secara jelas dalam Unit's structure and position are clearly defined within
organisasi Perseroan. Penunjukan maupun pemberhentian the Company’s organizational framework. The appointment
Kepala Unit Audit Internal dilakukan oleh Presiden Direktur and dismissal of the Head of the Internal Audit Unit are
dengan persetujuan Dewan Komisaris, sehingga menjamin carried out by the President Director with the approval of
adanya keseimbangan antara otoritas manajemen dan the Board of Commissioners, thereby ensuring an appropriate
pengawasan oleh dewan. Mekanisme ini memastikan balance between management authority and board
Unit Audit Internal memiliki independensi yang memadai oversight. This mechanism ensures that the Internal Audit
sekaligus bertanggung jawab langsung kepada pihak-pihak Unit maintains adequate independence while remaining
yang berwenang, sehingga mampu menjalankan perannya directly accountable to the authorized parties, enabling it to
secara optimal dalam mendukung tata kelola perusahaan. perform its role optimally in supporting the implementation
of good corporate governance.
Dewan Komisaris
Board of Commissioners
Komite Audit
Audit Committee
Presiden Direktur
President Director
Unit Audit Internal
Internal Audit Unit
Komposisi, Kualifikasi, dan Profil Composition, Qualification, and Profile
Sebagai bagian penting dalam struktur organisasi, Unit As a key component of the organizational structure,
Audit Internal dipimpin oleh Kepala Unit Audit Internal yang the Internal Audit Unit is led by the Head of the Internal Audit
memiliki peran sentral dalam mengarahkan dan mengawasi Unit, who plays a central role in directing and overseeing
pelaksanaan fungsi audit. Saat ini, posisi tersebut dijabat the implementation of audit functions. The position is
oleh Bapak Samuel Hidayat sejak tahun 2017, berdasarkan currently held by Mr. Samuel Hidayat, who has been serving
Surat Keputusan Pengangkatan No. 212/LI-HR/I/2017. Profil in the position since 2017 pursuant to Appointment Decree
lengkap Kepala Unit Audit Internal telah diuraikan secara rinci No. 212/LI-HR/I/2017. A detailed profile of the Head of
dalam Bab Profil Perusahaan yang terdapat dalam Laporan the Internal Audit Unit is presented in the Company Profile
Tahunan ini. chapter of this Annual Report.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 309
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Tata Kelola Perusahaan
Sertifikasi Unit Audit Internal Certification of the Internal Audit Unit
Untuk memastikan kualitas dan profesionalisme dalam To ensure quality and professionalism in carrying out audit
menjalankan fungsi audit, sertifikasi Unit Audit Internal functions, certification of the Internal Audit Unit is a critical
menjadi langkah krusial. Sertifikasi membantu memperkuat measure. Certification helps strengthen the credibility of
kredibilitas hasil audit dengan memastikan bahwa standar audit results by ensuring that the standards and procedures
dan prosedur yang diterapkan sesuai dengan best practice applied are aligned with widely recognized best practices.
yang diakui secara luas. Melalui sertifikasi, Unit Audit Internal Through certification, the Internal Audit Unit is able to
mampu meningkatkan efektivitasnya dalam mengidentifikasi enhance its effectiveness in identifying risks, providing
risiko, memberikan rekomendasi yang tepat, dan mendukung appropriate recommendations, and supporting transparent
tata kelola perusahaan yang transparan serta akuntabel. and accountable corporate governance. Throughout 2025,
Sepanjang tahun 2025, Unit Audit Internal telah memiliki the Internal Audit Unit held the following professional
sertifikasi keahlian yang diuraikan sebagai berikut. certifications.
Nama Jabatan Sertifikasi Penyelenggara
Name Position Certification Organizer
Ahli Asuransi Indonesia Kerugian (AAIK)
AAMAI/BNSP
Indonesian Insurance Experts for Losses (AAIK)
Ahli Manajemen Risiko Perasuransian (AMRP)
AAMAI/BNSP
Insurance Risk Management Experts (AMRP)
Kepala Unit Audit Internal ISO 9001:2015 Internal Audit Vidya Consultants
Samuel Hidayat
Head of Internal Audit Unit
ISO 27001:2013 Internal Audit Vidya Consultants
ISO 27001:2022 Internal Audit Robere & Associates
Sertifikasi IIAP
IIA Indonesia
IIAP Certification
ISO 9001:2015 Quality Management System Vidya Consultants
Unit Audit Internal Senior Officer
Marisa Trianti ISO 27001:2013 Internal Audit Vidya Consultants
Internal Audit Unit Senior Officer
ISO 27001:2022 Internal Audit Robere & Associates
Lembaga Sertifikasi
Unit Audit Internal Senior Officer Profesi Perbankan
Lia Arfita Meliana Certified Internal Auditor Bank
Internal Audit Unit Senior Officer Banking Professional
Certification Institute
Aurelius Matthew Unit Audit Internal Senior Officer PT Ultima Tekno
Certified Accurate Professional
Yonatan Internal Audit Unit Senior Officer Solusindo
Independensi Independency
Perseroan menjamin bahwa Unit Audit Internal dapat The Company ensures that the Internal Audit Unit is able
melaksanakan tugas dan tanggung jawabnya secara to perform its duties and responsibilities independently,
independen tanpa adanya pengaruh atau tekanan dari without any influence or pressure from management or
manajemen maupun pihak lain. Independensi ini menjadi other parties. This independence is a fundamental principle
prinsip utama agar audit dapat dilakukan secara objektif, that ensures audits are conducted objectively, transparently,
transparan, dan bebas dari konflik kepentingan. Dengan and free of conflicts of interest. Therefore, audit results can
demikian, hasil audit yang diperoleh dapat dipercaya dan be relied upon as a solid basis for decision-making and for
menjadi dasar yang kuat bagi pengambilan keputusan serta strengthening good corporate governance.
peningkatan tata kelola perusahaan.
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Corporate Governance
Tugas dan Tanggung Jawab Duties and Responsibilities
Informasi mengenai tugas dan tanggung jawab serta realisasi Information regarding the duties and responsibilities, as well
program kerja Unit Audit Internal pada tahun 2025 diuraikan as the realization of the Internal Audit Unit’s work programs
sebagai berikut. in 2025, is presented as follows.
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Secara berkala melakukan pemeriksaan atas pengendalian Unit Audit Internal telah melaksanakan pemeriksaan secara berkala terhadap efektivitas
internal, manajemen risiko, dan tata kelola Perseroan, pengendalian internal, penerapan manajemen risiko, dan praktik GCG Perseroan.
termasuk di dalamnya atas kepatuhan Perseroan terhadap Pemeriksaan tersebut juga mencakup evaluasi kepatuhan Perseroan terhadap
semua peraturan perundangan dan peraturan lainnya. peraturan perundang-undangan yang berlaku serta ketentuan internal, sebagai
dasar penyampaian rekomendasi perbaikan guna mendukung penguatan sistem
pengendalian dan tata kelola perusahaan secara berkelanjutan.
Conducting periodic reviews of the Company’s internal The Internal Audit Unit conducted periodic audits of Company’s internal control
controls, risk management, and governance practices, effectiveness, risk management implementation, and GCG practices. These audits also
including the Company’s compliance with all applicable laws included evaluations of the Company’s compliance with prevailing laws and regulations
and regulations. as well as internal provisions, serving as the basis for improvement recommendations to
strengthen the internal control and governance framework continuously.
Meninjau, menelaah, dan memastikan bahwa semua Unit Audit Internal telah melakukan peninjauan dan penelaahan atas pelaksanaan
Departemen/Divisi/Kantor Cabang/Kantor Pemasaran kegiatan operasional di seluruh Departemen, Divisi, Kantor Cabang, dan Kantor
menjalankan kegiatan operasional sesuai dengan Kebijakan Pemasaran. Kegiatan tersebut dilakukan untuk memastikan bahwa seluruh aktivitas
dan Peraturan Internal Perseroan, Standar Operasional operasional telah dijalankan sesuai dengan Kebijakan dan Peraturan Internal Perseroan,
Prosedur (SOP), batasan otorisasi, dan peraturan lainnya, baik SOP, batasan kewenangan dan otorisasi, serta ketentuan lain yang ditetapkan oleh
yang ditetapkan oleh regulator, maupun oleh Manajemen. regulator maupun Manajemen.
Reviewing, examining, and ensuring that all Departments/ The Internal Audit Unit reviewed and examined the implementation of operational
Divisions/Branch Offices/Marketing Offices carry out their activities across all Departments, Divisions, Branch Offices, and Marketing Offices.
operational activities in accordance with the Company’s Those activities were aimed at ensuring that operations were conducted in accordance
Internal Policies and Regulations, Standard Operating with the Company’s Internal Policies and Regulations, SOPs, power and authorization
Procedures (SOP), authorization limits, and other regulations, limits, as well as other regulations set by regulators or Management.
whether set by regulators or Management.
Mengamati, memeriksa, dan menyelidiki area kegiatan yang Unit Audit Internal telah melakukan pengamatan, pemeriksaan, dan penelaahan
menunjukkan hasil yang tidak memuaskan, mengidentifikasi secara mendalam terhadap area kegiatan yang teridentifikasi memiliki kinerja atau
masalah, dan melaporkan kepada pihak Manajemen hasil yang belum optimal. Melalui proses tersebut, Unit Audit Internal mengidentifikasi
dengan memberikan pendapat dan/atau rekomendasi serta permasalahan utama, menyampaikan hasil temuan kepada Manajemen, serta
menindaklanjuti. memberikan pendapat dan rekomendasi perbaikan yang relevan. Unit Audit Internal juga
melakukan pemantauan atas tindak lanjut yang dilakukan Manajemen guna memastikan
bahwa langkah perbaikan telah dilaksanakan secara efektif dan berkesinambungan.
Observing, examining, and investigating activities that The Internal Audit Unit conducted observations, examinations, and in-depth reviews
indicate unsatisfactory results, identifying underlying issues, of activity areas identified as having suboptimal performance or outcomes. Through
and reporting findings to Management by providing opinions this process, the Unit identified key issues, reported audit findings to Management,
and/or recommendations and following up. and provided relevant opinions and recommendations for improvement. The Internal
Audit Unit also monitored Management’s follow-up actions to ensure that corrective
measures were implemented effectively and on an ongoing basis.
Mengevaluasi dan memberikan saran perbaikan serta Unit Audit Internal telah melakukan evaluasi atas kegiatan yang diperiksa pada seluruh
informasi yang objektif atas kegiatan yang diperiksa pada tingkat manajemen serta menyampaikan informasi yang objektif dan independen.
semua tingkat Manajemen. Berdasarkan hasil evaluasi tersebut, Unit Audit Internal memberikan saran dan
rekomendasi perbaikan kepada Manajemen guna meningkatkan efektivitas proses,
pengendalian internal, dan kualitas pelaksanaan kegiatan operasional Perseroan.
Evaluating and providing recommendations for improvement The Internal Audit Unit evaluated audited activities at all levels of management and
and objective information on the activities examined at all provided objective and independent information. Based on the evaluation results,
levels of Management. the Internal Audit Unit submitted recommendations to Management to enhance process
effectiveness, internal controls, and the quality of the Company’s operational activities.
Membuat laporan hasil audit dan menyampaikan laporan Unit Audit Internal telah menyusun laporan hasil audit secara sistematis dan
tersebut kepada pihak Manajemen termasuk di dalamnya menyampaikan laporan tersebut kepada Manajemen, termasuk Dewan Komisaris dan
Dewan Komisaris dan Komite Audit. Komite Audit. Laporan hasil audit tersebut memuat temuan, analisis, serta rekomendasi
perbaikan sebagai dasar bagi pengambilan keputusan dan penguatan pengendalian
internal Perseroan.
Preparing audit reports and submitting them to Management, The Internal Audit Unit prepared audit reports systematically and submitted them to
including the Board of Commissioners and Audit Committee. Management, including the Board of Commissioners and Audit Committee. These audit
reports contained findings, analyses, and recommendations for improvement, serving
as a basis for decision-making and strengthening the Company’s internal control
system.
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Tata Kelola Perusahaan
Tugas dan Tanggung Jawab Realisasi Program Kerja 2025
Duties and Responsibilities 2025 Work Program Realization
Secara berkala meninjau dan membuat rekomendasi untuk Unit Audit Internal telah melakukan peninjauan secara berkala terhadap prosedur
mengurangi risiko dan memberikan nilai tambah terhadap dan kebijakan operasional yang berlaku serta menyampaikan rekomendasi untuk
prosedur dan/atau kebijakan operasional standar yang ada mengurangi risiko dan meningkatkan nilai tambah proses bisnis. Selain itu, Unit Audit
serta melakukan review atas Sistem Manajemen Mutu dan Internal juga melaksanakan review atas penerapan Sistem Manajemen Mutu dan Sistem
Sistem Manajemen Keamanan Informasi Perseroan. Manajemen Keamanan Informasi Perseroan guna memastikan kesesuaiannya dengan
kebijakan internal dan praktik pengendalian yang ditetapkan.
Periodically reviewing and providing recommendations to The Internal Audit Unit conducted periodic reviews of prevailing operational procedures
reduce risks and adding value to existing standard operating and policies and submitted recommendations to mitigate risks and increase business
procedures and/or policies, as well as conducting reviews of process value. Besides, the Internal Audit Unit reviewed the implementation of
the Company’s Quality Management System and Information the Company’s Quality Management System and Information Security Management
Security Management System. System to ensure compliance with internal policies and established control practices.
Wilayah Kerja Working Area
Wilayah kerja Unit Audit Internal mencakup seluruh The working area of the Internal Audit Unit covers all
aktivitas dan proses operasional Perseroan, mulai dari of the Company’s activities and operational processes,
fungsi keuangan, manajemen risiko, kepatuhan, hingga tata including financial functions, risk management, compliance,
kelola perusahaan. Unit Audit Internal bertugas melakukan and corporate governance. The Internal Audit Unit is
pemeriksaan, evaluasi, dan pemantauan secara menyeluruh responsible for conducting comprehensive examinations,
untuk memastikan bahwa setiap aspek bisnis berjalan sesuai evaluations, and monitoring to ensure that every aspect of
dengan kebijakan, prosedur, dan peraturan yang berlaku. the business is carried out in accordance with applicable
Dengan cakupan yang luas, Unit Audit Internal berperan policies, procedures, and regulations. With this broad
penting dalam memberikan rekomendasi perbaikan scope, the Internal Audit Unit plays an essential role in
dan memastikan efektivitas pengendalian internal guna providing improvement recommendations and ensuring
mendukung pencapaian tujuan strategis Perseroan secara the effectiveness of internal controls to support
optimal. the achievement of the Company’s strategic objectives
optimally.
Pencapaian
Kegiatan Audit Rencana Realisasi
Achievement
Audit Activity Plan Realization
(%)
Memantau seluruh unit bisnis dan unit kerja
39 39 100,00
Business unit and work unit monitoring
Pemeriksaan khusus
- - -
Special audit
Pelaporan profil risiko cabang dan konsolidasi hasil pemeriksaan audit residen
per cabang 1 1 100,00
Reporting risk profile in branches and results of resident audit per branch
Menelaah Laporan Keuangan Interim
3 3 100,00
Interim Financial Statements review
Pengembangan Kompetensi Competency Development
Untuk memastikan kualitas dan efektivitas pelaksanaan To ensure the quality and effectiveness of task execution,
tugas, pengembangan kompetensi Unit Audit Internal the development of the Internal Audit Unit’s competencies
menjadi fokus utama yang terus dibina secara berkelanjutan. remains a key focus that is continuously strengthened
Seluruh proses pengembangan kompetensi ini dikelola, on a sustainable basis. All competency development
dikoordinasikan, dan didokumentasikan secara sistematis processes are systematically managed, coordinated, and
oleh Departemen Talent Management. Dengan pendekatan documented by the Talent Management Department.
yang terstruktur ini, Unit Audit Internal dapat meningkatkan Through this structured approach, the Internal Audit Unit is
kemampuan profesionalnya, menjaga standar kerja, dan able to enhance its professional capabilities, maintain work
mendukung pencapaian tujuan organisasi secara optimal. standards, and support the achievement of organizational
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Corporate Governance
Informasi mengenai pengembangan kompetensi yang diikuti objectives optimally. Information regarding competency
oleh Unit Audit Internal sepanjang tahun 2025 diungkapkan development programs attended by the Internal Audit Unit
sebagai berikut. throughout 2025 is disclosed as follows.
Topik Pengembangan Kompetensi
Nama Jabatan Tempat dan Waktu Penyelenggara
Competency Development
Name Position Venue and Time Organizer
Subject
Samuel Kepala Unit Audit Internal How to Achieve Peak Performance in Jakarta, 17 Januari 2025
OJK
Hidayat Head of Internal Audit Unit 2025. Jakarta, January 17th, 2025
Internal Audit Strategy Development: Florida, 13 Februari 2025
Wolters Kluwer
A Workshop for Success. Florida, February 13th, 2025
Peran GRC dalam Meningkatkan Jakarta, 25 Februari 2025 OJK
Kepercayaan Investor dan Stabilitas Sektor
Keuangan.
The Role of GRC in Enhancing Investor Jakarta, February 25th, 2025
Confidence and Financial Sector Stability
Sustainability Accounting and Reporting in Jakarta, 6 Maret 2025
OJK
the Financial Services. Jakarta, March 6th, 2025
Internal Quality Assessment: How Effective Florida, 25 Maret 2025
Wolters Kluwer
is Your Internal Audit Function?. Florida, March 25th, 2025
Insurance Revolution: How AI is
Jakarta, 24 April 2025
Transforming the Underwriting and OJK
Jakarta, April 24th, 2025
Optimizing Business Processes.
Florida, 6 Mei 2025
Business Fraud Prevention. Wolters Kluwer
Florida, May 6th, 2025
Implementing an Integrated Approach to Florida, 12 Juni 2025
Wolters Kluwer
Assurance Provision. Florida, June 12th, 2025
Digitalisasi Perbankan dari Dua Sudut
Pandang. Jakarta, 23 Juni 2025
OJK
Banking Digitalization from Two Jakarta, June 23rd, 2025
Perspectives
Navigating AI in Internal Audit: Florida, 22 Juli 2025
Wolters Kluwer
Opportunities and Challenges. Florida, July 22nd, 2025
EQA Preparation: Conformance and Florida, 5 Agustus 2025
Wolters Kluwer
Performance = Quality. Florida, August 5th, 2025
Risk & Governance Summit 2025:
Jakarta, 19 Agustus 2025
Empowering the GRC Ecosystem to Drive OJK
Jakarta, August 19th, 2025
Economic Growth and National Resilience.
Fraud Detection Blueprint: Five Essential Florida, 16 September 2025
Wolters Kluwer
Actions for Audit Professionals. Florida, September 16th, 2025
Florida, 2 Oktober 2025
Auditing Change at the Speed of Business. Wolters Kluwer
Florida, October 2nd , 2025
Yogyakarta, 6–7 Oktober 2025
Advancing Financial Resilience in
Yogyakarta, October 6th– OJK
a Disrupted Global Landscape.
7th, 2025
Navigating Assurance: Is the 2nd Line Florida, 4 November 2025
Wolters Kluwer
Assurance More Valuable than the 3rd? Florida, December 4th, 2025
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 313
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Tata Kelola Perusahaan
Topik Pengembangan Kompetensi
Nama Jabatan Tempat dan Waktu Penyelenggara
Competency Development
Name Position Venue and Time Organizer
Subject
Marisa Unit Audit Internal Senior Officer Literasi Edukasi & Inklusi Keuangan - Jakarta, 20 Februari 2025 Internal LGI x BAF
Trianti Internal Audit Unit Senior Officer Electric Vehicles Energy Efficient, Fully
Protected.
Financial Literacy & Inclusion - Electric Jakarta, February 20th, 2025
Vehicles Energy Efficient, Fully Protected.
Awareness ISO 27001: 2022. Jakarta, 16 Mei 2024 Internal LGI x Robere
Jakarta, May 16th, 2024 & Associates
Internal Auditor Training. Jakarta, 6 Juni 2024 Internal LGI x Robere
Jakarta, June 6th, 2024 & Associates
ISMS ISO 27001:2022 – Internal Auditor Jakarta, 7 Juni 2024 Internal LGI x Robere
Training. Jakarta, June 7th, 2024 & Associates
Financial Statement Fraud and Risk Jakarta, 15 Desember 2021 ACFE
Mechanisms and Strategies. Jakarta, December 15th, 2021
Lia Arfita Unit Audit Internal Senior Officer Basic Insurance: Prinsip Dasar Asuransi. Jakarta, 25 April 2025 Internal LGI
Meliana Internal Audit Unit Senior Officer Basic Insurance: Basic Principles of Jakarta, April 25th, 2025
Insurance.
Anti-Fraud Awareness. Jakarta, 28 Juli 2025 Internal LGI
Jakarta, July 28th, 2025
Fraud Detection Blueprint. Florida, 16 September 2025 Wolters Kluwer
Florida, September 16th, 2025
Aurelius Unit Audit Internal Senior Officer Fraud Detection Blueprint. Florida, 16 September 2025 Wolters Kluwer
Matthew Internal Audit Unit Senior Officer Florida, September 16th, 2025
Yonatan
Basic Insurance: Prinsip Dasar Asuransi. Jakarta, 16 Oktober 2025 Internal LGI
Basic Insurance: Basic Principles of Jakarta, October 16th, 2025
Insurance.
Basic Insurance: Hukum Asuransi. Jakarta, 5 November 2025 Internal LGI
Basic Insurance: Insurance Law. Jakarta, November 5th, 2025
Sistem Pengendalian Internal
Internal Control System
Sistem Pengendalian Internal (SPI) merupakan suatu The Internal Control System (ICS) is a framework designed
kerangka kerja yang dirancang untuk memastikan bahwa to ensure that all operational processes, financial reporting,
seluruh proses operasional, pelaporan keuangan, dan and compliance with regulations and internal policies within
kepatuhan terhadap peraturan dan kebijakan di dalam the Company are carried out effectively and efficiently.
Perseroan berjalan secara efektif dan efisien. SPI berfungsi The ICS serves as a control mechanism to help identify,
sebagai mekanisme pengawasan yang membantu prevent, and mitigate risks that may hinder the achievement
mengidentifikasi, mencegah, dan mengurangi risiko yang of the Company’s objectives. Through a sound ICS,
dapat menghambat pencapaian tujuan Perseroan. Dengan the Company is able to maintain data integrity, enhance
adanya SPI yang baik, Perseroan mampu menjaga integritas the reliability of its Financial Statements, and protect
data, meningkatkan keandalan Laporan Keuangan, dan the assets from potential misuse or losses, thereby supporting
melindungi aset dari potensi penyalahgunaan atau kerugian, the implementation of transparent and accountable
sehingga mendukung terciptanya tata kelola perusahaan corporate governance.
yang transparan dan akuntabel.
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Corporate Governance
Kesesuaian Sistem Pengendalian Internal Compatibility of the Internal Control
dengan Kerangka COSO System with the COSO Framework
Perseroan memastikan bahwa SPI yang diterapkan The Company ensures that the implemented ICS is aligned
selaras dengan kerangka kerja Committee of Sponsoring with the framework of the Committee of Sponsoring
Organizations of the Treadway Commission (COSO), yang Organizations of the Treadway Commission (COSO), an
merupakan standar internasional dalam mengelola risiko dan international standard for effective risk management and
pengendalian internal secara efektif. Dengan mengadopsi internal control. By adopting COSO’s 5 key components:
5 komponen utama COSO: lingkungan pengendalian, control environment, risk assessment, control activities,
penilaian risiko, aktivitas pengendalian, informasi dan information and communication, and monitoring activities,
komunikasi, serta aktivitas pemantauan (monitoring), the Company is able to develop a comprehensive and
Perseroan mampu membangun SPI yang komprehensif integrated SPI. This alignment enables the Company to
dan terintegrasi. Kesesuaian ini membantu Perseroan dalam maintain the reliability of its financial reporting, ensure
menjaga keandalan pelaporan keuangan, memastikan regulatory compliance, and enhance operational efficiency,
kepatuhan terhadap peraturan, dan meningkatkan efisiensi thereby supporting the achievement of its strategic objectives
operasional, sehingga mendukung pencapaian tujuan and long‑term sustainability.
strategis serta keberlanjutan Perseroan secara berkelanjutan.
1 Lingkungan Pengendalian 2 Penilaian Risiko
Control Environment Risk Assessment
Kerangka dasar dalam sistem pengendalian internal yang Penilaian risiko merupakan proses sistematis yang dilakukan
mencakup struktur organisasi, kebijakan dan prosedur, budaya untuk mengidentifikasi dan mengevaluasi risiko-risiko yang dapat
perusahaan, komitmen manajemen, pengawasan, serta integritas menghambat pencapaian tujuan Perseroan. Proses ini melibatkan
dan nilai etika yang bersama-sama memastikan pengelolaan analisis dampak dan probabilitas risiko, sehingga memungkinkan
risiko dan kepatuhan yang efektif. Perseroan untuk memprioritaskan risiko yang perlu mendapatkan
perhatian khusus dan menentukan strategi pengelolaan yang
tepat.
The basic framework in internal control system that includes Risk assessment is a systematic process undertaken to
organizational structure, policies and procedures, corporate identify and evaluate risks that may hinder the achievement
culture, management commitment, supervision, and integrity and of the Company’s objectives. This process involves analyzing
ethical values that together ensure effective risk management the potential impact and likelihood of risks, enabling
and compliance. the Company to prioritize risks that require special attention and
to determine appropriate risk management strategies.
3 Aktivitas Pengendalian 4 Informasi dan Komunikasi
Control Activities Information and Communication
Aktivitas pengendalian merupakan tindakan dan kebijakan yang Informasi dan komunikasi merupakan elemen penting yang
dirancang untuk mengurangi risiko dan memastikan bahwa memastikan data dan informasi yang relevan tersampaikan
arahan manajemen terlaksana dengan baik. Aktivitas ini meliputi secara tepat waktu dan akurat kepada seluruh pihak yang
berbagai prosedur seperti verifikasi, otorisasi, pemeriksaan, dan berkepentingan. Dengan sistem komunikasi yang efektif,
pemisahan tugas yang bertujuan untuk menjaga keandalan Perseroan dapat mendukung pengambilan keputusan yang tepat
operasional serta kepatuhan terhadap peraturan yang berlaku. dan memperkuat koordinasi antar unit dalam mengelola risiko
serta menjalankan pengendalian internal.
Control activities consist of actions and policies designed Information and communication constitute essential elements
to mitigate risks and ensure that management directives are that ensure relevant data and information are delivered accurately
implemented effectively. These activities include procedures and in a timely manner to all relevant stakeholders. Through
such as verification, authorization, reviews, and segregation of effective communication systems, the Company supports sound
duties, which aim to maintain operational reliability and ensure decision-making and strengthens coordination among units in
compliance with applicable regulations. managing risks and implementing internal controls.
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Tata Kelola Perusahaan
5 Aktivitas Pemantauan (Monitoring)
Monitoring Activities
Aktivitas pemantauan merupakan proses berkelanjutan yang dilakukan Monitoring activities are ongoing processes conducted to evaluate
untuk mengevaluasi efektivitas SPI dan mengidentifikasi kelemahan the effectiveness of ICS and to identify weaknesses or changes in
atau perubahan risiko yang memerlukan tindakan korektif. Melalui risks that require corrective actions. Through regular and structured
pemantauan yang rutin dan terstruktur, Perseroan dapat memastikan monitoring, the Company ensures that implemented controls remain
bahwa pengendalian yang diterapkan tetap relevan dan berjalan relevant and function in accordance with established objectives.
sesuai dengan tujuan yang telah ditetapkan.
Implementasi Sistem Pengendalian Implementation of the Internal Control
Internal (SPI) Systems (ICS)
Melalui penerapan SPI, Perseroan dapat mengidentifikasi Through the ICS implementation, the Company is
dan mengelola risiko secara tepat, menjaga keandalan able to identify and manage risks effectively, maintain
informasi keuangan, dan melindungi aset dari potensi the reliability of financial information, and protect its assets
penyalahgunaan. Informasi mengenai implementasi SPI from potential misuse. More detailed information regarding
di Perseroan secara lebih lengkap diuraikan sebagai berikut. the implementation of the ICS within the Company is
described below.
Komponen Sistem
Pengendalian Internal Implementasi
Internal Control Implementation
System Component
Lingkungan Pengendalian 1. Perseroan memiliki visi dan misi yang dipahami oleh seluruh insan Perseroan.
2. Manajemen menetapkan tujuan seluruh aktivitas yang sejalan dengan visi dan misi Perseroan.
3. Secara berkala, dilaksanakan penilaian kinerja atas pencapaian tujuan aktivitas, antara lain mengukur capaian target,
anggaran, serta perbandingan dengan capaian kinerja periode sebelumnya.
4. Perseroan memiliki Peraturan Perusahaan serta Etika dan Tanggung Jawab Profesi yang dievaluasi secara berkala dan
dijadikan sebagai pedoman dalam berperilaku yang wajib dipatuhi oleh seluruh karyawan dan karyawati Perseroan.
5. Etika dan Tanggung Jawab Profesi disosialisasikan secara periodik dan sudah dipahami oleh seluruh insan Perseroan.
6. Perseroan memiliki Nilai Perusahaan yang dibuat slogan dalam bentuk tulisan dan lambang khusus untuk mendorong
insan Perseroan agar mematuhi serta melaksanakan Etika dan Tanggung Jawab Profesi.
7. Terdapat mekanisme pemberian sanksi atas pelanggaran kebijakan Perseroan.
8. Perseroan memiliki struktur organisasi yang sesuai dan selaras dengan strategi Perseroan.
9. Penelaahan dan pembaruan Struktur Organisasi Perseroan secara berkala untuk menyesuaikan dengan strategi
Perseroan.
10.Perseroan memiliki cetak biru pengembangan kualitas SDM.
11. Perseroan melakukan pemilihan karyawan secara selektif serta memperhatikan aspek hard dan soft competency.
12. Perseroan berkomitmen pada kompetensi dan pengembangan SDM melalui pelatihan teknis maupun non-teknis.
13. Seluruh insan Perseroan mendapatkan dukungan sumber daya, seperti fasilitas, dana, dan akses informasi untuk
melaksanakan tugasnya.
14.Perseroan mengembangkan budaya sadar risiko di lingkungan Perseroan.
15. Seluruh insan Perseroan memiliki uraian tugas dan tanggung jawab yang jelas.
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Corporate Governance
Komponen Sistem
Pengendalian Internal Implementasi
Internal Control Implementation
System Component
Control Environment 1. The Company has a vision and mission that are understood by all Company personnel.
2. Management sets goals for all activities that are in line with the Company’s vision and mission.
3. Periodically, a performance assessment is carried out on the achievement of activity objectives, among others,
measuring target achievements, budgets, and comparisons with previous period performance achievements.
4. The Company already has Company Regulations as well as Professional Ethics and Responsibilities which is evaluated
on a regular basis and serve as guidelines for behavior that must be obeyed by all Company’s employees.
5. Ethics and Professional Responsibility are disseminated periodically as well as already understood by all Company
personnel.
6. The Company has Corporate Values which made as slogans in writing and special symbols to encourage
the Company’s personnel to comply with and implement Professional Ethics and Responsibilities.
7. There is a mechanism in imposing sanction for violating the Company’s policies.
8. The Company has an organizational structure that is appropriate and aligned with the Company’s strategy.
9. Review and update the Company’s Organizational Structure on a regular basis to conform with the Company’s
strategy.
10.The Company has a blueprint for developing the quality of HR.
11. The Company selects employees selectively and pays attention to aspects of hard and soft competency.
12. The Company is committed to HR competency and development through technical and
non-technical competency.
13. All Company personnel are supported by resources, such as facilities, funds, and access to information to carry out
their duties.
14.The Company develops a risk-aware culture within the Company.
15. All Company’s personnel have clear job descriptions and responsibilities.
Penilaian Risiko 1. Perseroan memiliki Departemen Enterprise Risk Management yang bekerja sama dengan personel kunci pada setiap
unit kerja yang bertugas sebagai risk owner dan bertanggung jawab untuk mengidentifikasi seluruh risiko secara
berkala yang dilengkapi dengan atribut risiko (sebab dan akibat).
2. Perseroan memiliki Komite Manajemen Risiko dan Komite Pemantau Risiko yang membuat laporan secara berkala
untuk manajemen risiko terintegrasi pada tingkat Perseroan.
3. Perseroan memiliki Komite Pengarah Teknologi Informasi yang bertugas untuk membantu Direksi dalam penerapan
manajemen risiko secara efektif terkait penggunaan dan pemanfaatan teknologi informasi di lingkungan Perseroan.
4. Penyusunan target kinerja maupun program kerja masing-masing unit kerja.
5. Perseroan memiliki kebijakan terkait manajemen risiko untuk mengendalikan risiko-risiko yang terjadi di Perseroan.
Risk Assessment 1. The Company has a Enterprise Risk Management Department that works closely with key personnel in each work unit
who serve as risk owners and are responsible for identifying all risks on a regular basis accompanied by risk attributes
(cause and effect).
2. The Company has a Risk Management Committee and a Risk Oversight Committee that prepares regular reports for
integrated risk management at the Company level.
3. The Company has an Information Technology Steering Committee to assist the Board of Directors in implementing
effective risk management related to the use and utilization of information technology within the Company.
4. Preparation of performance targets and work programs for each work unit.
5. The Company has risk management-related policies to control the risks within the Company.
Aktivitas Pengendalian 1. Perseroan memiliki kebijakan dalam penyusunan untuk setiap jenis kebijakan.
2. Seluruh proses bisnis Perseroan telah didukung dengan kebijakan yang memadai.
3. Seluruh kebijakan Perseroan telah disosialisasikan dan dipahami dengan baik oleh seluruh insan Perseroan yang
terkait.
4. Seluruh karyawan berkewajiban mematuhi Standar Operasional Prosedur (SOP) yang berlaku di Perseroan agar
kegiatan operasional Perseroan berjalan dengan efektif.
5. Perseroan melakukan pengujian secara berkala maupun insidental untuk memastikan keamanan informasi dan data.
6. Perseroan memiliki dan melaksanakan mekanisme otorisasi untuk persetujuan atas seluruh transaksi.
7. Perseroan memiliki unit kerja Unit Audit Internal maupun Komite Audit.
8. Perseroan secara berkala melakukan review dan pemutakhiran atas kebijakan-kebijakan.
9. Perseroan memiliki sistem pengarsipan yang memadai atas seluruh dokumen.
Control Activities 1. The Company has a policy in drafting for each type of policy.
2. All of the Company’s business processes have been supported by adequate policies.
3. All of the Company’s policies have been disseminated and well understood by all relevant Company’s personnel.
4. All employees have an obligation to comply with the applicable Standard Operating Procedures (SOP) so
the Company’s operational activities can run effectively.
5. The Company conducts periodic and incidental tests to ensure information and data security.
6. The Company has and implements an authorization mechanism for the approval of all transactions.
7. The Company already has an Internal Audit Unit work unit and an Audit Committee.
8. The Company periodically reviews and updates its policies.
9. The Company has an adequate filing system for all documents.
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Tata Kelola Perusahaan
Komponen Sistem
Pengendalian Internal Implementasi
Internal Control Implementation
System Component
Informasi dan Komunikasi 1. Penyampaian informasi secara berkala dan berjenjang sampai dengan manajemen puncak perihal capaian kinerja
dan pelaksanaan proses bisnis melalui komunikasi dan koordinasi secara efektif.
2. Terdapat saluran komunikasi bagi seluruh insan Perseroan untuk menyampaikan informasi berupa kebijakan-kebijakan
terbaru maupun perihal lain terkait Perseroan.
3. Perseroan memanfaatkan situs web sebagai media saluran komunikasi dengan pihak eksternal Perseroan.
4. Terdapat saluran pengaduan bagi nasabah untuk menyampaikan keluhan yang berkaitan dengan produk dan
pelayanan Perseroan.
5. Perseroan telah memenuhi seluruh kewajiban penyampaian informasi kepada pihak-pihak di luar Perseroan.
Information and 1. Periodic and tiered information submission up to top management regarding performance achievements and
Communication business process implementation through effective communication and coordination.
2. There is a communication channel for all Company’s employees to convey information in the form of the latest policies
or other matters related to the Company.
3. The Company utilizes its website as a communication media channel with external parties.
4. There is a complaint channel for customers to file complaints related to the Company’s products and services.
5. The Company has fulfilled all obligations to convey information to parties outside the Company.
Aktivitas Pemantauan 1. Melibatkan seluruh pihak dalam melakukan pengendalian risiko, agar terciptanya sistem pengendalian internal yang
(Monitoring) efektif dan efisien.
2. Perseroan melaksanakan program pemantauan secara berkala untuk menguji keandalan sistem pengendalian
manajemen.
3. Memaksimalkan pemanfaatan saluran Whistleblowing System (WBS).
Monitoring Activities 1. Involve all parties in controlling risk, to create an effective and efficient internal control system.
2. The Company carries out regular monitoring programs to test the reliability of the management control system.
3. Maximizing the utilization of Whistleblowing System (WBS) channels.
Tinjauan atas Efektivitas Sistem Review on Effectiveness of Internal
Pengendalian Internal Control System
Unit Audit Internal secara rutin melaksanakan evaluasi The Internal Audit Unit regularly conducts periodic
berkala terhadap efektivitas SPI yang diterapkan di evaluations of the effectiveness of the ICS implemented within
Perseroan. Evaluasi ini mencakup pemeriksaan menyeluruh the Company. These evaluations include a comprehensive
atas prosedur, kebijakan, dan pelaksanaan pengendalian review of existing procedures, policies, and control
yang ada untuk memastikan bahwa seluruh mekanisme implementations to ensure that all mechanisms operate
berjalan sesuai dengan standar dan tujuan yang telah in accordance with established standards and objectives.
ditetapkan. Hasil evaluasi tersebut kemudian disampaikan The results of these evaluations are subsequently reported
kepada manajemen sebagai bahan acuan dalam mengambil to management as a reference for strategic decision-making
keputusan strategis dan melakukan perbaikan apabila and for implementing improvements where necessary,
diperlukan, sehingga SPI dapat terus disempurnakan dan thereby ensuring that the ICS can be continuously refined
disesuaikan dengan dinamika bisnis. and adapted to the dynamics of the business.
Berdasarkan tinjauan yang telah dilakukan, dapat disimpulkan Based on the reviews conducted, it can be concluded that
bahwa SPI yang diterapkan Perseroan telah berjalan dengan the Company’s ICS has been implemented properly and
semestinya dan memberikan kontribusi positif dalam has made a positive contribution to maintaining smooth
menjaga kelancaran operasional serta kepatuhan terhadap operational performance and regulatory compliance.
regulasi. Keberhasilan ini menunjukkan komitmen kuat This achievement reflects the Company’s strong
Perseroan dalam menerapkan GCG dan mengelola risiko commitment to implementing GCG and managing risks
secara efektif. Dengan demikian, SPI tidak hanya berfungsi effectively. Accordingly, the ICS functions not only as
sebagai alat pengendalian, tetapi juga sebagai fondasi yang a control mechanism, but also as a foundation supporting
mendukung keberlanjutan dan stabilitas perusahaan dalam the Company’s sustainability and stability in addressing
menghadapi tantangan bisnis. business challenges.
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Corporate Governance
Pernyataan Dewan Komisaris dan Direksi Statements of the Board Commissioners
atas Kecukupan Sistem Pengendalian and the Board of Directors on
Internal the Adequacy of Internal Control System
Dewan Komisaris dan Direksi menyatakan bahwa SPI yang The Board of Commissioners and Board of Directors state that
diterapkan Perseroan telah berjalan dengan baik dan efektif the ICS implemented by the Company has been operating
dalam mendukung pencapaian tujuan Perseroan. Setelah properly and effectively in supporting the achievement
melakukan evaluasi menyeluruh berdasarkan laporan of the Company’s objectives. Following a comprehensive
dari Unit Audit Internal dan pemantauan berkala, kedua evaluation based on reports from the Internal Audit Unit
pihak meyakini bahwa SPI mampu mengelola risiko secara and periodic monitoring, both organs are confident that
memadai, menjaga keandalan pelaporan keuangan, serta the ICS is capable of adequately managing risks, maintaining
memastikan kepatuhan terhadap peraturan yang berlaku. the reliability of financial reporting, and ensuring compliance
Pernyataan ini mencerminkan komitmen Dewan Komisaris with applicable laws and regulations. This statement reflects
dan Direksi dalam menjaga tata kelola perusahaan yang the commitment of the Board of Commissioners and Board
transparan dan akuntabel demi keberlanjutan usaha. of Directors to upholding transparent and accountable
corporate governance for business sustainability.
Sistem Manajemen Risiko
Risk Management System
Sistem manajemen risiko merupakan bagian integral dari The risk management system is an integral part of
pengelolaan usaha dan kerangka pengendalian internal the Company’s business management and internal control
Perseroan. Perseroan telah menerapkan sistem manajemen framework. The Company has implemented an integrated
risiko terintegrasi di tingkat korporasi dengan melibatkan risk management system at the corporate level by involving
seluruh satuan kerja sebagai bagian dari strategi untuk all work units as part of its strategy to identify and manage
mengidentifikasi dan mengelola risiko sesuai kebijakan risks in accordance with the Company’s policies.
Perseroan.
Dalam menjalankan kegiatan perasuransian, Perseroan In conducting its insurance business activities, the Company
menyadari bahwa risiko melekat pada setiap aktivitas recognizes that risks are inherent in every business activity and
usaha dan dapat memengaruhi kinerja apabila tidak may affect performance if not properly managed. Therefore,
dikelola dengan baik. Oleh karena itu, Perseroan secara the Company continuously enhances the implementation of
berkelanjutan meningkatkan penerapan manajemen risiko risk management to support sound decision-making and to
guna mendukung pengambilan keputusan yang tepat serta ensure alignment with business developments and economic
memastikan keselarasan dengan perkembangan bisnis dan conditions.
kondisi ekonomi.
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Tata Kelola Perusahaan
Kebijakan Manajemen Risiko Risk Management Policy
Kebijakan manajemen risiko Kebijakan manajemen risiko The risk management implemented in the Company consists
yang diterapkan dalam Perseroan terdiri dari 4 elemen of the following 4 main elements.
utama sebagai berikut.
1 Pengawasan Aktif Dewan Komisaris dan Direksi
Active Supervision by Board of Commissioners and Board of Directors
Direksi bertanggung jawab atas implementasi dan pengelolaan The Board of Directors is responsible for the effective implementation
manajemen risiko secara efektif dalam kegiatan operasional Perseroan and management of risk management in the Company’s day-to-
sehari-hari. Direksi memastikan bahwa risiko-risiko yang dihadapi day operational activities. The Board of Directors ensures that the
Perseroan diidentifikasi, diukur, dipantau, dan dikendalikan sesuai risks faced by the Company are identified, measured, monitored,
dengan kebijakan dan strategi Perseroan, serta menumbuhkan budaya and controlled in accordance with the Company’s policies and
manajemen risiko di seluruh organisasi. Direksi juga memastikan strategies, while also fostering a risk management culture throughout
tersedianya struktur organisasi yang memadai, kejelasan wewenang the organization. The Board of Directors also ensures the availability
dan tanggung jawab pada setiap jenjang jabatan yang terkait dengan of an adequate organizational structure, clear authority and
manajemen risiko, serta kecukupan jumlah dan kompetensi sumber responsibilities at each level of position related to risk management, as
daya manusia guna mendukung penerapan manajemen risiko well as the adequacy in both the number and competence of human
secara efektif. resources to support the effective implementation of risk management.
Dewan Komisaris bertanggung jawab untuk melakukan pengawasan The Board of Commissioners is responsible for conducting active
secara aktif dan menyeluruh terhadap efektivitas dan kualitas and comprehensive oversight of the effectiveness and quality of
penerapan manajemen risiko oleh Direksi. Dewan Komisaris the implementation of risk management by the Board of Directors.
memberikan arahan, masukan, dan rekomendasi strategis kepada The Board of Commissioners provides direction, input, and strategic
Direksi, termasuk terkait aspek keuangan, operasional, komersial, recommendations to the Board of Directors, including with respect
pemasaran, dan SDM, guna memastikan penerapan manajemen risiko to financial, operational, commercial, marketing, and HR aspects,
telah sejalan dengan ketentuan peraturan perundang-undangan dan to ensure that the implementation of risk management is in line with
prinsip kehati-hatian. prevailing laws and regulations as well as the principles of prudent.
2 Kecukupan Kebijakan, Prosedur, dan Penetapan Limit Risiko
Adequacy of Policies, Procedures, and Establishment of Risk Limits
Kecukupan kebijakan, prosedur, dan penetapan limit risiko tercantum The adequacy of policies, procedures, and the establishment of risk
dalam informasi terdokumentasi, seperti Pedoman, Surat Keputusan limits are set out in documented information, such as Guidelines, Board
Dewan Komisaris, Surat Keputusan Direksi, Surat Edaran, SOP, of Commissioners’ Decrees, Board of Directors’ Decrees, Circular
instruksi kerja/petunjuk kerja, dan Memorandum yang diperbaharui Letters, Standard Operating Procedures (SOPs), work instructions/
secara berkala. Informasi terdokumentasi tersebut dikomunikasikan work guidelines, and Memoranda, which are updated periodically.
kepada seluruh karyawan serta dilakukan kaji ulang dan diperbarui Such documented information is communicated to all employees and
untuk mengakomodasi perubahan atas faktor-faktor yang berdampak is reviewed and updated to accommodate changes in factors that may
terhadap risiko Perseroan. affect the Company’s risks.
3 Proses Identifikasi, Pengukuran, Pengendalian, serta Pemantauan Risiko
Risk Identification, Measurement, Control, and Monitoring Process
• Identifikasi Risiko: Perseroan melakukan identifikasi risiko, termasuk • Risk Identification: The Company identifies risks, including risks
risiko yang melekat pada kegiatan usaha yang dilakukan oleh inherent in each business activity carried out by each work unit (risk
Departemen Enterprise Risk Management. owner) together with the Enterprise Risk Management Department.
• Pengukuran Risiko: Perseroan memiliki metode pengukuran risiko, • Risk Measurement: The Company has a risk measurement method,
di mana risiko diukur sesuai dengan karakteristik dan kompleksitas in which risks are measured according to the characteristics and
kegiatan usaha. complexity of business activities.
• Pengendalian Risiko: Perseroan telah melakukan pengendalian • Risk Control: The Company has conducted risk control to
risiko untuk mengetahui efektivitas penerapan manajemen risiko determine the effectiveness of risk management implementation by
dengan mempertimbangkan hasil pengukuran risiko, termasuk considering risk measurement results, including setting strategies in
menetapkan strategi mitigasi risiko. mitigating any arising risks.
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• Pemantauan Risiko: Perseroan melakukan pemantauan terhadap • Risk Monitoring: The Company monitors the overall risk
hasil pengukuran dan pengendalian risiko secara keseluruhan. measurement, stress testing, and control results.
Risiko-risiko tersebut diidentifikasi, diukur, dan dikendalikan oleh These risks are identified, measured, and controlled by the Company,
Perseroan, serta dipantau dalam suatu bentuk dokumentasi risiko as well as monitored in a form of risk documentation (risk register).
(risk register).
4 Sistem Pengendalian Internal
Internal Control System
Perseroan telah menerapkan Sistem Pengendalian Internal yang The Company has implemented an adequate and effective Internal
memadai dan efektif untuk memastikan bahwa seluruh risiko yang Control System to ensure that all risks inherent in the execution of
melekat dalam pelaksanaan kegiatan usaha dapat dikelola secara its business activities can be managed optimally at every level
optimal pada setiap jenjang organisasi. Sistem Pengendalian of the organization. The Internal Control System is implemented
Internal dilaksanakan secara menyeluruh melalui pendekatan three comprehensively through the three lines of defense approach,
lines of defense, yang mencakup fungsi pengendalian pada unit which includes control functions within operational work units, risk
kerja operasional, fungsi manajemen risiko dan kepatuhan sebagai management and compliance functions as independent control
pengendali independen, serta fungsi audit internal sebagai pihak yang functions, and the internal audit function as the party that conducts
melakukan evaluasi secara independen atas efektivitas pengendalian. an independent evaluation of the effectiveness of the controls. The
Sistem Pengendalian Internal tersebut dirancang untuk mendukung Internal Control System is designed to support the achievement of
tercapainya tujuan Perseroan, menjaga keandalan pelaporan the Company’s objectives, maintain the reliability of financial and
keuangan dan manajerial, memastikan kepatuhan terhadap peraturan managerial reporting, ensure compliance with prevailing laws and
perundang-undangan, serta melindungi aset Perseroan. regulations, and safeguard the Company’s assets.
Identifikasi, Pengukuran, Pengendalian, Risk Identification, Measurement, Control,
dan Pemantauan Risiko and Monitoring
Proses identifikasi, pengukuran, pengendalian, dan The risk identifying, measuring, controlling, and monitoring
pemantauan risiko dilakukan Perseroan dengan berpedoman process is carried out by the Company refers to the following
pada peraturan berikut. regulations.
1. Peraturan OJK No. 28 Tahun 2025 tentang Penerapan 1. OJK Regulation No. 28 of 2025 on the Implementation of
Manajemen Risiko Bagi Perusahaan Perasuransian, Risk Management for Insurance Companies, Guarantee
Lembaga Penjamin, dan Dana Pensiun; Institutions, and Pension Funds;
2. Peraturan OJK No. 33 Tahun 2025 tentang Penilaian 2. OJK Regulation No. 28 of 2025 on the Assessment of the
Tingkat Kesehatan Perusahaan Perasuransian, Lembaga Financial Soundness of Insurance Companies, Guarantee
Penjamin, dan Dana Pensiun; Institutions, and Pension Funds;
3. Peraturan OJK No. 28/POJK.05/2020 tentang Penilaian 3. OJK Regulation No. 28/POJK.05/2020 on
Tingkat Kesehatan Lembaga Jasa Keuangan Non-Bank; the Assessment of the Soundness of Non-Bank Financial
Services Institutions;
4. Surat Edaran OJK No. 8/SEOJK.05/2021 tentang 4. OJK Circular Letter No. 8/SEOJK.05/2021 on
Penerapan Manajemen Risiko bagi Perusahaan Asuransi, the Implementation of Risk Management for Insurance
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Companies, Sharia Insurance Companies, Reinsurance
dan Perusahaan Reasuransi Syariah; Companies, and Sharia Reinsurance Companies;
5. Surat Edaran OJK No. 22/SEOJK.05/2021 tentang 5. OJK Circular Letter No. 22/SEOJK.05/2021 on
Penerapan Manajemen Risiko dalam Penggunaan Implementation of Risk Management in the Use of
Teknologi Informasi oleh Lembaga Jasa Keuangan Information Technology by Non-Bank Financial Services
Non-Bank; dan Institutions; and
6. Surat Edaran OJK No. 1/SEOJK.05/2021 tentang 6. OJK Circular Letter No. 1/SEOJK.05/2021 on Sound
Penilaian Tingkat Kesehatan Perusahaan Asuransi, Level Assessment of Insurance Companies, Sharia
Perusahaan Asuransi Syariah, Perusahaan Reasuransi, Insurance Companies, Reinsurance Companies, and
dan Perusahaan Reasuransi Syariah. Sharia Reinsurance Companies.
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Tata Kelola Perusahaan Identifikasi Risiko Risk Identification Proses identifikasi risiko dilakukan secara menyeluruh dan The risk identification process is carried out thoroughly and komprehensif terhadap setiap peristiwa atau kejadian yang comprehensively for every event or occurrence originating berasal dari internal maupun eksternal Perseroan yang from both internal and external sources that may affect dapat berpengaruh terhadap pencapaian target serta the achievement of the Company’s targets and objectives. tujuan Perseroan. Peristiwa atau kejadian yang memberikan Events or occurrences that have a positive impact are pengaruh positif disebut sebagai peluang, sedangkan yang referred to as opportunities, while those with a negative memberikan pengaruh negatif disebut sebagai risiko. impact are referred to as risks. Pengukuran Risiko Risk Measurement Proses pengukuran risiko dilakukan untuk memahami risiko The risk measurement process is conducted to gain dengan lebih mendalam dengan cara mencermati sumber a deeper understanding of risks by examining the sources risiko dan tingkat pengendalian yang ada, serta dengan of risk and the existing level of controls, as well as assessing menilai tingkat kemungkinan terjadi dan dampaknya the likelihood of occurrence and the potential impact on terhadap Perseroan. Proses ini ditinjau secara berkala the Company. This process is reviewed periodically to ensure terhadap kesesuaian pendekatan, sumber data, dan the appropriateness of the approaches, data sources, and prosedur yang digunakan untuk mengukur risiko. Risiko yang procedures used to measure risks. The measured risks are diukur terbagi menjadi 2 macam, yaitu risiko inheren dan divided into 2 types, namely inherent and residual. Inherent risiko residual. Risiko inheren merupakan risiko yang berasal risk refers to the risk arising from the nature of business dari sifat transaksi bisnis atau operasi tanpa penerapan transactions or operations without the application of internal pengendalian internal untuk memitigasi risiko. Sementara controls to mitigate the risk. Meanwhile, residual risk refers itu, risiko residual merupakan risiko yang masih ada setelah to the risk that remains after risk management controls have dilakukan pengendalian manajemen risiko terhadap risiko been applied to mitigate inherent risk. inheren. Pengendalian Risiko Risk Control Proses perencanaan tahapan, kebijakan, alat bantu, praktik, The process of planning stages, policies, tools, practices, atau tindakan lain terkait pengendalian risiko yang bertujuan or other actions related to risk control aimed at reducing or untuk mengurangi atau menghindari risiko yang dihadapi avoiding risks faced by the Company. Risk control may take Perseroan. Pengendalian risiko dapat berupa pengendalian the form of controls that have already been implemented by yang sudah diterapkan oleh manajemen pada saat melakukan management during the risk evaluation process or controls evaluasi risiko atau pengendalian yang akan dilakukan, that will be implemented as enhancements or additions to yang merupakan pengembangan dan tambahan dari existing controls, so that the likelihood and impact of risks pengendalian risiko yang sudah ada sehingga kemungkinan can be reduced to an acceptable level. terjadi dan dampak terjadinya risiko dapat dikurangi pada tingkat yang dapat diterima. Pemantauan Risiko Risk Monitoring Pemantauan risiko dilakukan melalui kegiatan pengawasan Risk monitoring is conducted through supervisory activities untuk memastikan bahwa risiko telah diidentifikasi pada setiap to ensure that risks have been identified in each operational aktivitas operasional, konsekuensi, dan frekuensi terjadinya activity, and that the consequences and frequency of risk risiko telah diukur dan telah dilakukan langkah-langkah occurrences have been measured and appropriate control pengendaliannya secara efektif, sehingga memberikan hasil measures have been implemented effectively, thereby yang optimal. producing optimal outcomes. Sistem Informasi Manajemen Risiko Risk Management Information System Sistem informasi manajemen risiko dilakukan untuk The risk management information system is designed to menyajikan kebutuhan informasi secara akurat, tepat provide accurate, timely, and up-to-date information to waktu, serta terkini dan mendukung fungsi manajemen support management functions and facilitate risk planning untuk memudahkan proses perencanaan dan pengambilan and decision-making. Each stage of the risk management keputusan terkait suatu risiko. Setiap proses manajemen process is properly reported and documented, and the risiko tersebut dilaporkan dan didokumentasikan dengan results of risk evaluations are monitored periodically to baik, serta hasil evaluasi risiko dipantau secara periodik untuk enable appropriate follow-up actions. dilakukan tindak lanjut berikutnya. 322 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Pemetaan Risiko dan Mitigasi Risk Mapping and Mitigation
Perseroan melakukan pemetaan risiko dan mitigasi untuk The Company conducts risk mapping and mitigation to
menetapkan prioritas risiko berdasarkan kepentingan establish risk priorities based on the Company’s interests
Perseroan serta manfaat program kerja/proyek bagi and the benefits of work programs or projects for
keberlangsungan usaha Perseroan. Hal ini dilakukan sebagai the sustainability of the Company’s business. This reflects
bentuk komitmen Perseroan dalam menerapkan sistem the Company’s commitment to implementing an effective
manajemen risiko secara efektif dan efisien. and efficient risk management system.
Strategi pemetaan risiko Perseroan, terdiri dari: The Company’s risk mapping strategy, consists of:
1. Membentuk fungsi kontrol yang bertanggung jawab 1. Establish control function that is professionally responsible
secara profesional dalam melakukan koordinasi for coordinating the integrated implementation of risk
penerapan sistem manajemen risiko secara terintegrasi management at all work units;
di seluruh unit kerja;
2. Mengintegrasikan wewenang dan tanggung jawab setiap 2. Integrate the authority and responsibilities of each party
pihak yang terlibat dalam penerapan sistem manajemen involved in the risk management implementation to job
risiko ke dalam job description; serta description; and
3. Mengintegrasikan sistem manajemen risiko ke dalam 3. Integrate risk management to the Company’s business
proses bisnis Perseroan. process.
Langkah-langkah strategis yang dilakukan dalam memitigasi Strategic measures taken to mitigate these risks, namely:
risiko-risiko tersebut, yaitu:
1 2 3 4
Menerapkan fungsi kontrol Menghindari risiko dengan Membatasi risiko dengan Mengelola risiko dengan
untuk mengendalikan risiko. menghilangkan penyebab menerapkan fungsi kontrol menetapkan upaya mitigasi
risiko dan/atau konsekuensi. guna meminimalkan dampak risiko yang memprioritaskan,
kerugian dan ancaman dari menerapkan, serta memelihara
risiko tersebut. fungsi kontrol.
Implement control function Prevent risk by eliminating Limit risk by implementing Manage risk by establishing
to minimize risk. the risk cause and/or control function that risk management plan that
consequence. minimizes the impact of loss prioritizes, implement, and
from occurring threats. maintain control function.
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Tata Kelola Perusahaan
Jenis Risiko dan Upaya Mitigasi Risk Types and Mitigation Efforts
Risiko yang dihadapi Perseroan serta langkah mitigasinya The risks faced by the Company and their mitigation steps
diuraikan sebagai berikut. are described as follows.
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Strategis Risiko akibat ketidaktepatan dalam Pengukuran risiko strategis dilakukan Perseroan telah memiliki sistem dan
pengambilan dan/atau pelaksanaan melalui penilaian kuantitatif dan kualitatif. mekanisme pengendalian yang memadai
suatu keputusan strategis, serta Penilaian kuantitatif mencakup rasio untuk memantau pelaksanaan strategi,
kegagalan dalam mengantisipasi perbandingan realisasi terhadap target, proses pengambilan keputusan bisnis, serta
perubahan lingkungan bisnis. realisasi pengembangan produk baru respons terhadap perubahan eksternal guna
terhadap target, realisasi pengembangan memastikan bahwa risiko yang diambil tetap
jaringan kantor terhadap target, berada dalam batas toleransi yang telah
pertumbuhan premi polis baru, serta rasio ditetapkan. Perseroan juga membentuk
pertumbuhan laba dari bisnis utama. Komite Manajemen Risiko yang bertanggung
jawab untuk mengidentifikasi dan melaporkan
deviasi atau penyimpangan yang signifikan
kepada Direksi.
Sementara itu, penilaian kualitatif meliputi Sistem pengendalian risiko tersebut telah
kesesuaian strategi bisnis dengan visi, memperoleh persetujuan Direksi dan ditelaah
misi, dan kondisi lingkungan usaha, pilihan secara berkala untuk memastikan efektivitas
tingkat strategi bisnis (berisiko tinggi atau serta kesesuaiannya secara berkelanjutan.
rendah), posisi strategis Perseroan di Selain itu, Perseroan memiliki kebijakan yang
industri perasuransian, serta pencapaian mengatur proses penyusunan dan penetapan
realisasi bisnis Perseroan. strategi secara terstruktur serta fungsi yang
melakukan pemantauan atas implementasi
rencana strategis Perseroan.
Strategy Risk Risks resulting from inaccuracy Strategic risk measurement is conducted The Company has adequate control system
in making and/or implementing through quantitative and qualitative and mechanism in place to monitor strategy
strategic decisions, as well as failure assessments. The quantitative assessment implementation, business decision-making
to anticipate changes in the business includes the ratio of actual results to process, and response to external changes to
environment. targets, new product development results ensure that risks remain within the established
to targets, office network development tolerance limits. The Company has also
results to targets, new policy premium established a Risk Management Committee
growth, and core business profit growth. that is responsible for identifying and reporting
significant deviations or irregularities to the
Board of Directors.
Meanwhile, the qualitative assessment This risk control system has received approval
covers the alignment of business strategy from the Board of Directors and is reviewed
with the company's vision, mission, and periodically to ensure its ongoing effectiveness
business environment, the choice of and suitability. Furthermore, the Company has
business strategy level (high or low risk), policies that structure the strategy formulation
the Company's strategic position in the and implementation process, as well as a
insurance industry, and the Company's function that monitors the implementation of
business realization achievements. the Company's strategic plan.
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Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Risiko akibat ketidakcukupan Perseroan menggunakan indikator/ Perseroan telah menerapkan pengendalian
Operasional dan/atau tidak berfungsinya proses parameter dan mempertimbangkan atas proses teknologi informasi dan kegiatan
internal, kesalahan manusia, berbagai faktor dalam melakukan alih daya dengan memastikan perlindungan
kegagalan sistem, dan/atau adanya pengukuran risiko operasional. kerahasiaan serta keamanan data melalui
kejadian eksternal yang memengaruhi pengaturan dalam Perjanjian Kerja Sama
operasional Perseroan. Penilaian kuantitatif menggunakan (PKS). Sistem pendukung yang dimiliki mampu
beberapa indikator utama, yaitu mendeteksi kesalahan secara dini, memproses
pertumbuhan premi bruto, rasio transaksi secara akurat dan tepat waktu, serta
tagihan premi terhadap premi bruto, menjaga integritas dan keamanan data. Selain
pertumbuhan beban usaha, rasio beban itu, Perseroan melakukan kaji ulang berkala
komisi terhadap premi bruto, rasio jumlah atas prosedur, sistem, dan rencana kontinjensi
biaya operasional yang dikeluarkan guna meminimalkan potensi kesalahan dan
kepada afiliasi dibandingkan dengan total gangguan operasional.
biaya operasional, pertumbuhan risiko
operasional (dari Modal Minimum Berbasis
Risiko/MMBR), jumlah riwayat kecurangan
(fraud) internal dan eksternal, serta jumlah
kejadian gangguan sistem teknologi
informasi.
Kemudian untuk penilaian kualitatif terdiri
dari karakteristik dan kompleksitas usaha
Perseroan, SDM, teknologi Informasi
dan infrastruktur pendukung, risiko
kecurangan, kejadian eksternal, serta
sistem administrasi.
Operational Risks resulting from inadequacy The Company uses indicators/parameters The Company has implemented control
Risk and/or malfunctioning of internal and considers various factors in measuring over its information technology process
process, human error, system failure, operational risk. and outsourcing activities by ensuring data
and/or external events that affect confidentiality and security through provisions
the Company's operations. The quantitative assessment utilizes several stipulated in the Cooperation Agreement
key indicators, such as gross premium (PKS). Its support systems are capable of
growth, ratio of premium receivables early error detection, accurate and timely
to gross premium, growth in operating transaction processing, and data integrity and
expenses, ratio of commission expenses security. Furthermore, the Company conducts
to gross premiums, ratio of operating regular reviews of its procedures, systems,
expenses paid to affiliates to total operating and contingency plans to minimize potential
expenses, growth in operational risk (based errors and operational disruptions.
on Minimum Risk-Based Capital/MMBR),
the number of internal and external fraud
cases, and the number of information
technology system disruptions.
The qualitative assessment then comprises
the Company's business characteristics and
complexity, HR, information technology
and supporting infrastructure, fraud risk,
external events, and administrative system.
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Tata Kelola Perusahaan
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Asuransi Risiko kegagalan Perseroan untuk Perseroan mengukur risiko asuransi Perseroan memiliki Departemen Enterprise
memenuhi kewajiban kepada dengan menggunakan indikator penilaian Risk Management yang melaksanakan
pemegang polis, tertanggung, kuantitatif dan kualitatif. fungsi manajemen risiko asuransi termasuk
atau peserta sebagai akibat dari melakukan pemantauan dan pelaporan
ketidakcukupan proses seleksi risiko Penilaian kuantitatif mencakup rasio premi eksposur risiko asuransi kepada Direksi.
(underwriting), penetapan premi atau neto terhadap modal sendiri, rasio klaim Dalam pelaksanaannya, Departemen
kontribusi, penggunaan reasuransi, terhadap premi, rasio cadangan teknis Enterprise Risk Management berkoordinasi
dan/atau penanganan klaim. terhadap premi neto, lapse ratio, retention dengan departemen terkait dalam melakukan
ratio, rasio pertumbuhan bisnis baru, rasio analisis dan tindak lanjut atas risiko asuransi
pertumbuhan cadangan teknis, loss ratio yang teridentifikasi.
dari bisnis utama, rasio imbal hasil terbesar
yang digaransi atau rata-rata imbal hasil
3 tahun terakhir, rasio kecukupan premi
dan hasil investasi terhadap pembayaran
klaim dan biaya umum, serta pertumbuhan
risiko asuransi (MMBR).
Sementara itu, penilaian kualitatif meliputi
aspek underwriting, penetapan premi/
kontribusi, struktur reasuransi, klaim,
pemantauan kinerja produk asuransi, risiko
terhadap produk, saluran pemasaran, risiko
liabilitas, sifat bisnis asuransi, komposisi
dan diversifikasi portofolio bisnis, serta
wilayah geografi.
Insurance Risk The risk of the Company's failure to The Company measures insurance The Company has an Enterprise Risk
fulfill its obligations to policyholders, risk using quantitative and qualitative Management Department that carries out
insured parties, or participants as assessment indicators. insurance risk management functions,
a result of inadequate risk selection including monitoring and reporting insurance
process (underwriting), premium or The quantitative assessment includes net risk exposures to the Board of Directors.
contribution determination, use of premium to equity ratio, claims to premium In its implementation, the Enterprise Risk
reinsurance, and/or claims handling. ratio, technical reserves to net premium Management Department coordinates
ratio, lapse ratio, retention ratio, new with relevant departments in analyzing and
business growth ratio, technical reserves following up on identified insurance risks.
growth ratio, loss ratio from core business,
the highest guaranteed return ratio or
the average return over the past three
years, premium adequacy ratio and
investment returns to claims payment
and general expenses, and insurance risk
growth (MMBR).
Meanwhile, the qualitative assessment
covers underwriting aspect, premium/
contribution determination, reinsurance
structure, claims, insurance product
performance monitoring, product risks,
marketing channels, liability risk, the nature
of insurance business, composition and
diversification of the business portfolio, and
geographic regions.
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Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Kredit Risiko akibat kegagalan pihak lain Perseroan mengukur risiko kredit dengan Perseroan memastikan bahwa fungsi
dalam memenuhi kewajiban kepada menggunakan parameter kuantitatif dan pengelolaan dana dan investasi dilaksanakan
Perseroan. kualitatif. secara memadai dengan tetap menjaga
eksposur risiko kredit sesuai limit yang
Parameter kuantitatif mencakup rasio aset ditetapkan dan prinsip kehati-hatian.
berisiko, pertumbuhan premi reasuransi
dibandingkan dengan pertumbuhan Pengelolaan portofolio dilakukan secara
premi asuransi (year on year), rasio aktif melalui penetapan batas konsentrasi
penempatan reasuransi luar negeri risiko dalam rencana investasi, pengaturan
terhadap total reasuransi, pertumbuhan kewenangan persetujuan investasi, dan
tagihan reasuransi, pertumbuhan risiko analisis konsentrasi secara berkala.
kredit (MMBR), serta rasio Aset Yang
Diperkenankan (AYD) piutang reasuransi Selain itu, Perseroan memiliki kebijakan
terhadap total piutang reasuransi (baik dari untuk mendeteksi dan menangani investasi
premi maupun klaim/recovery). atau transaksi bermasalah. Setiap langkah
penanganan didokumentasikan dan
Sementara itu, parameter kualitatif digunakan sebagai bahan evaluasi guna
meliputi risiko dari pengelolaan piutang, memperkuat pengelolaan risiko kredit ke
risiko konsentrasi penempatan investasi depan.
dan rating counterparty tempat investasi
ditempatkan, serta risiko kegagalan Selain itu, Perseroan memiliki kebijakan
reasuradur. untuk mendeteksi investasi bermasalah atau
transaksi bermasalah lainnya. Setiap strategi
dan hasil penanganan investasi bermasalah
atau transaksi bermasalah tersebut
ditatausahakan, selanjutnya digunakan
sebagai masukan (input) untuk kepentingan
fungsi pengelolaan dana atau investasi.
Credit Risk The risk resulting from failure of other The Company measures credit risk using The Company ensures that its fund and
parties to fulfill their obligations to the quantitative and qualitative parameters. investment management functions are
Company. implemented adequately while maintaining
Quantitative parameters include the ratio of credit risk exposure within the established
assets at risk, reinsurance premium growth limits and adhering to prudent principles.
compared to insurance premium growth
(year-on-year), ratio of foreign reinsurance Portfolio management is carried out actively
placements to total reinsurance, by establishing risk concentration limit in
reinsurance receivables growth, credit risk investment plans, regulating investment
growth (MMBR), and ratio of Allowable approval authority, and conducting regular
Assets (AYD) of reinsurance receivables to concentration analysis.
total reinsurance receivables (both from
premiums and claims/recoveries). Furthermore, the Company has a policy
for detecting and handling problematic
Meanwhile, qualitative parameters include investments or transactions. Each handling
risks from receivables management, step is documented and used as evaluation
investment concentration risk, counterparty material to strengthen future credit risk
ratings of the investments, and the risk of management.
reinsurer failure.
Moreover, the Company has a policy for
detecting non-performing investments or
other non-performing transactions. Each
strategy and outcome of handling non-
performing investments or non-performing
transactions are administered and then
used as input for the fund or investment
management function.
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Tata Kelola Perusahaan
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Pasar Risiko pada posisi aset, liabilitas, Perseroan mengukur risiko pasar dengan Perseroan telah mengambil langkah-langkah
ekuitas, dan/atau rekening menggunakan parameter kuantitatif dan pengendalian risiko, termasuk pencegahan
administratif, termasuk transaksi kualitatif. Parameter kuantitatif mencakup terjadinya kerugian risiko pasar yang lebih
derivatif akibat perubahan dari rasio tingkat pengembalian investasi, rasio besar. Perseroan memiliki surat berharga
kondisi pasar. aset berisiko dengan peringkat/klaster di dan obligasi yang dilakukan kaji ulang
atas 3 terhadap total aset, pertumbuhan secara berkala disesuaikan dengan kondisi,
risiko pasar (MMBR), rasio aset dalam mata kredibilitas, dan kemampuan membayar
uang asing terhadap total aset, serta rasio kembali penerbit surat berharga serta obligasi.
aset dalam mata uang asing terhadap
liabilitas dalam mata uang asing.
Sementara itu, parameter kualitatif meliputi
aspek alokasi dan/atau struktur investasi,
tujuan dan strategi investasi, serta valuasi
aset investasi.
Market Risk Risks in asset, liability, equity The Company measures market risk using The Company has taken risk control measures,
and/or administrative account quantitative and qualitative parameters. including the prevention of greater market risk
positions, including derivative Quantitative parameters include investment losses. The Company has securities and bonds
transactions due to changes in return ratio, ratio of risky assets with which are reviewed regularly and adjusted to
market conditions. a rating/cluster above 3 to total assets, the issuer of securities and bonds conditions,
market risk growth (MMBR), ratio of foreign credibility, and ability to repay them.
currency assets to total assets, and ratio of
foreign currency assets to foreign currency
liabilities.
Meanwhile, qualitative parameters include
investment allocation and/or structure,
investment objectives and strategies, and
investment asset valuation.
Risiko Likuiditas Risiko akibat ketidakmampuan Perseroan mempertimbangkan Perseroan melakukan mitigasi risiko likuiditas
Perseroan untuk memenuhi liabilitas pengukuran risiko likuiditas dengan melalui diversifikasi sumber pendanaan,
yang jatuh tempo dari sumber menggunakan parameter kuantitatif penerapan mekanisme lindung nilai, serta
pendanaan arus kas dan/atau dari yang meliputi rasio likuiditas, rasio penyediaan aset likuid berkualitas tinggi yang
aset likuid yang dapat dengan kekayaan lancar terhadap total kewajiban, memadai, termasuk penguatan permodalan
mudah dikonversi menjadi kas tanpa rasio kecukupan investasi kurang dari untuk mengantisipasi potensi kerugian.
mengganggu aktivitas dan kondisi 1 tahun terhadap total kewajiban kepada Perseroan juga secara berkala memantau
keuangan Perseroan. pemegang polis kurang dari 1 tahun, rasio dan menganalisis posisi likuiditas, termasuk
kecukupan investasi, rasio pertumbuhan dampak pembayaran klaim, berdasarkan
RKI, lock-up period asset ratio, serta proyeksi arus kas yang disusun secara
pertumbuhan risiko likuiditas. periodik. Komposisi aset likuid dikelola secara
optimal agar mampu memenuhi kebutuhan
Sementara itu, pengukuran kualitatif likuiditas jangka pendek maupun jangka
meliputi jumlah, kualitas, diversifikasi, dan Panjang sesuai dengan profil risiko Perseroan.
likuiditas penjualan aset dan liabilitas; risiko
ketidaksesuaian antara besaran dan jatuh
tempo aset dengan besaran dan jatuh
tempo liabilitas; risiko lock-up period atas
investasi yang tidak dapat dicairkan dalam
jangka waktu tertentu; arus kas; profil aset
jangka pendek; serta profil liabilitas jangka
pendek.
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Corporate Governance
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Liquidity Risk The risk resulting from the Company's The Company considers liquidity The Company mitigates liquidity risk
inability to meet maturing liabilities risk measurement using quantitative through diversification of funding sources,
from cash flow funding sources and/ parameters, including liquidity ratio, ratio implementation of hedging mechanism, and
or from liquid assets that can be of current assets to total liabilities, ratio of provision of adequate high-quality liquid
easily converted into cash without investment adequacy that is less than one assets, including strengthening capital to
disrupting the Company's activities year to total liabilities to policyholders that anticipate potential loss. The Company also
and financial condition. is less than one year, investment adequacy regularly monitors and analyzes its liquidity
ratio, RKI growth ratio, lock-up period asset position, including the impact of claim
ratio, and growth of liquidity risk. payments, based on periodically prepared
cash flow projections. The composition of
Meanwhile, qualitative measurements liquid assets is optimally managed to meet
include the quantity, quality, diversification, both short-term and long-term liquidity needs
and liquidity of asset and liability sales; in accordance with the Company's risk profile.
risk of a mismatch between the size and
maturity of assets and the size and maturity
of liabilities; risk of a lock-up period on
investments that cannot be liquidated
within a certain period; cash flow; short-
term asset profile; and short-term liability
profile.
Risiko Hukum Risiko yang timbul akibat tuntutan Perseroan melakukan pengukuran Perseroan, melalui satuan kerja membidangi
hukum dan/atau kelemahan aspek terhadap risiko hukum dengan fungsi hukum, telah menerapkan sistem
yuridis. menggunakan pendekatan kuantitatif dan pengendalian internal yang komprehensif
kualitatif. dalam pengelolaan risiko hukum, termasuk
melalui kaji ulang secara berkala atas proses
Pendekatan kuantitatif mencakup dan eksposur risiko yang ada.
perbandingan rasio liabilitas kontinjensi
terhadap aset lancar, rasio jumlah Perseroan juga melakukan identifikasi dan
kasus hukum yang dimenangkan oleh pengendalian risiko hukum yang melekat
perusahaan asuransi dan perusahaan pada produk maupun aktivitas baru, termasuk
reasuransi di pengadilan terhadap jumlah dalam perjanjian kerja sama dengan pihak
gugatan, serta jumlah nominal gugatan ketiga. Langkah tersebut dilakukan antara
yang sedang diajukan. lain melalui evaluasi atas aspek enforceability
untuk memastikan keabsahan dan kekuatan
Sementara itu, pendekatan kualitatif hak dalam perjanjian, serta identifikasi risiko
meliputi ketiadaan atau perubahan hukum pada setiap kegiatan fungsional.
peraturan perundang-undangan,
kegagalan perjanjian atau kelemahan
perikatan, serta litigasi atau penyelesaian
sengketa.
Legal Risk Risks arising from legal claims and/or The Company measures legal risk using The Company, through its legal unit, has
weakness in legal aspects. quantitative and qualitative approaches. implemented a comprehensive internal
control system for managing legal risk,
The quantitative approach includes a including through regular reviews of existing
comparison of ratio of contingent liabilities process and risk exposures.
to current assets, ratio of the number
of legal cases won by insurance and The Company also identifies and controls legal
reinsurance companies in court to the risks inherent in new products and activities,
number of lawsuits, and the nominal value including cooperation agreements with third
of lawsuits currently being filed. parties. This includes evaluating enforceability
aspects to ensure the validity and strength of
Meanwhile, the qualitative approach rights in agreements, as well as identifying
includes the absence or amendments to legal risks in each functional activity.
laws and regulations, failed agreements or
weakness in obligations, and litigation or
dispute resolution.
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Tata Kelola Perusahaan
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Risiko Risiko akibat Perseroan tidak Perseroan mengukur risiko kepatuhan Perseroan menerapkan sistem pengendalian
Kepatuhan mematuhi dan/atau tidak dengan menggunakan parameter risiko kepatuhan yang mengacu pada
melaksanakan peraturan perundang- kuantitatif dan kualitatif. kebijakan dan prosedur internal serta
undangan dan ketentuan yang ketentuan peraturan perundang-undangan
berlaku bagi Perseroan. Parameter kuantitatif mencakup frekuensi yang berlaku. Proses pengendalian dilakukan
pelanggaran terhadap peraturan yang dengan menyesuaikan eksposur risiko
berlaku, frekuensi tindak lanjut atas terhadap risk appetite dan risk tolerance yang
pelanggaran terhadap peraturan yang telah ditetapkan.
berlaku, serta jumlah denda.
Upaya mitigasi antara lain dilakukan melalui
Sementara itu, parameter kualitatif meliputi pemantauan kepatuhan secara berkala, kaji
jenis dan signifikansi pelanggaran yang ulang atas kebijakan dan prosedur, sosialisasi
dilakukan, frekuensi pelanggaran termasuk regulasi kepada unit kerja terkait, serta
sanksi yang dikenakan atau track record pelaksanaan fungsi review dan pengawasan
ketidakpatuhan Perseroan, pelanggaran independen untuk memastikan seluruh
atas ketentuan peraturan perundang- aktivitas Perseroan telah sesuai dengan
undangan, ketentuan yang berlaku bagi ketentuan yang berlaku dan meminimalkan
Perseroan atau standar bisnis yang berlaku potensi sanksi atau kerugian akibat
umum, serta tindak lanjut atas pelanggaran ketidakpatuhan.
termasuk pemenuhan rencana tindak
(action plan) yang disampaikan kepada
OJK.
Compliance Risks resulting from the Company The Company measures compliance The Company implements a compliance risk
Risk not complying with and/or not risk using quantitative and qualitative control system that adheres to internal policies
implementing the laws and parameters. and procedures and applicable laws and
regulations and provisions applicable regulations. The control process is carried out
to the Company. Quantitative parameters include frequency by adjusting risk exposure to the established
of violations of applicable regulations, risk appetite and risk tolerance.
th frequency of follow-up actions for
violations of applicable regulations, and Mitigation efforts include regular compliance
amount of fines. monitoring, reviewing policies and
procedures, disseminating regulations to
Meanwhile, qualitative parameters relevant work units, and implementing
include the type and significance of independent review and oversight functions
violations committed, the frequency of to ensure all Company activities comply
violations, including sanctions imposed, with applicable regulations and minimize
or the Company's track record of potential sanction or loss resulting from non-
non-compliance, violations of laws and compliance.
regulations, provisions applicable to the
Company, or generally accepted business
standards, and follow-up actions for
violations, including compliance with the
action plan submitted to the OJK.
Risiko Reputasi Risiko akibat menurunnya tingkat Perseroan mengukur risiko reputasi dengan Perseroan secara proaktif menindaklanjuti
kepercayaan pemangku kepentingan menggunakan parameter kuantitatif dan dan memberikan penyelesaian atas setiap
yang bersumber dari persepsi negatif kualitatif. keluhan pemegang polis, tertanggung,
terhadap Perseroan. maupun peserta, termasuk dalam hal
Parameter kuantitatif mencakup rasio terdapat gugatan hukum yang berpotensi
jumlah pengaduan terhadap total polis, meningkatkan eksposur risiko reputasi.
rasio tindak lanjut pengaduan terhadap
jumlah pengaduan, serta frekuensi Perseroan juga menerapkan mekanisme
pemberitaan negatif tentang Perseroan pengendalian risiko reputasi yang efektif,
dalam 1 tahun. antara lain melalui penyampaian informasi
secara transparan atas setiap perubahan
Sementara itu, parameter kualitatif meliputi kebijakan atau ketentuan kepada para
pengaruh reputasi pemilik dan grup, pemangku kepentingan.
pelanggaran etika bisnis, kompleksitas
produk dan kerja sama bisnis, penerapan Selain itu, Perseroan secara berkelanjutan
strategi branding, serta materialitas melakukan evaluasi dan penyempurnaan
pengaduan dari pemegang polis, terhadap kelemahan pengendalian maupun
tertanggung, dan/atau peserta. prosedur yang berpotensi menimbulkan risiko
reputasi.
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Corporate Governance
Jenis Risiko Penjelasan Pengukuran Risiko Mitigasi
Risk Type Explanation Risk Measurement Mitigation
Reputation Risk The risk resulting from a decline in the The Company measures reputational The Company proactively follows up and
level of stakeholders’ trust stemming risk using quantitative and qualitative resolves all complaints from policyholders,
from negative perceptions of the parameters. insured parties, and participants, including
Company. lawsuits that could potentially increase
Quantitative parameters include ratio of reputational risk exposure.
the number of complaints to the total
number of policies, ratio of complaint The Company also implements effective
follow-up to the total number of complaints, reputational risk control mechanism,
and frequency of negative news coverage including transparently providing information
about the Company within a year. on any changes to policies or regulations to
stakeholders.
Meanwhile, qualitative parameters
include the impact on the owner's and Furthermore, the Company continuously
group's reputation, violations of business evaluates and improves weakness in controls
ethics, product complexity and business and procedures that could potentially pose
partnerships, implementation of branding reputational risk.
strategies, and materiality of complaints
from policyholders, insured parties, and/or
participants.
Penilaian Profil Risiko Risk Profile Assessment
Perseroan melakukan penilaian sendiri profil risiko dengan The Company conducted its own risk profile assessment
mengacu pada Surat Edaran OJK No. 1/SEOJK.05/2021 based on OJK Circular Letter No. 1/SEOJK.05/2021 on
tentang Penilaian Tingkat Kesehatan Perusahaan Asuransi. the Assessment of Insurance Company Soundness Levels.
Hasil penilaian profil risiko Perseroan pada tahun 2025 The Company's risk profile assessment results for 2025
menunjukkan peringkat Profil Risiko 2, sebagaimana indicated a Risk Profile rating of 2, as shown below.
ditunjukkan berikut.
Penilaian Tahun 2025
Assessment Year 2025
Profil Risiko Peringkat Peringkat Kualitas Penerapan Penerapan Risk Profile
Risiko Inheren Manajemen Risiko Tingkat Risiko
Inherent Risk Quality Rating of Risk Implementation
Rating Management Implementation of Risk Level
Risiko Strategis 1 2 1 Strategy Risk
Risiko Operasional 2 2 2 Operational Risk
Risiko Asuransi 3 3 3 Insurance Risk
Risiko Kredit 2 2 2 Credit Risk
Risiko Pasar 2 2 2 Market Risk
Risiko Likuiditas 2 2 2 Liquidity Risk
Risiko Hukum 1 2 2 Legal Risk
Risiko Kepatuhan 2 2 2 Compliance Risk
Risiko Reputasi 1 2 1 Reputation Risk
Peringkat Profil Risiko 2 2 2 Risk Profile Rating
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Tata Kelola Perusahaan
Analisis
Analysis
Peringkat Risiko Inheren (Inherent Risk Rating) Inherent Risk Rating
Berdasarkan hasil penilaian secara kuantitatif dan kualitatif, risiko inheren Based on the quantitative and qualitative assessment results, the Company's
Perseroan pada tahun 2025 berada pada level Rendah hingga Sedang, inherent risk in 2025 was at a Low to Medium level, with an increase in
dengan peningkatan pada Risiko Operasional dan Risiko Kepatuhan Operational Risk and Compliance Risk to level 2 (Low to Medium), and
menjadi level 2 (Rendah hingga Sedang), serta Risiko Asuransi meningkat Insurance Risk increasing to level 3 (Medium). Insurance Risk is the most
menjadi level 3 (Sedang). Risiko Asuransi menjadi eksposur paling significant exposure, in line with the characteristics of the Company's core
signifikan, sejalan dengan karakteristik bisnis inti Perseroan serta dinamika business and dynamics of underwriting, claims, and adequacy of technical
underwriting, klaim, kecukupan cadangan teknis dan saluran pemasaran. reserves and marketing channels. Overall, the Company's inherent risk
Secara keseluruhan, peringkat komposit risiko inheren Perseroan dapat composite rating can be categorized at a Low to Medium level, considering
dikategorikan pada tingkat Rendah hingga Sedang, mengingat adanya the increased exposure to Insurance Risk.
peningkatan eksposur pada Risiko Asuransi.
Peringkat Kualitas Penerapan Manajemen Risiko (Quality Rating of Risk Quality Rating of Risk Management Implementation
Management Implementation)
Berdasarkan penilaian tingkat kualitas penerapan manajemen risiko Based on the assessment of quality level of risk management implementation
(KPMR) menunjukkan bahwa tingkat KPMR Perseroan berada pada level (KPMR), the Company's KPMR level was at a fairly Strong Level, with the
cukup kuat (Strong Level) dengan pengecualian pada Risiko Asuransi exception of Insurance Risk, which was at level 3 (Adequate). This can be
yang berada pada level 3 (Adequate). Hal ini dapat diartikan bahwa sistem interpreted as indicating that the risk management system implemented
manajemen risiko yang telah diterapkan Perseroan berjalan dengan baik. by the Company is running well. The Board of Commissioners and
Dewan Komisaris dan Direksi memiliki pemahaman yang baik mengenai Board of Directors have a good understanding of risk management and
manajemen risiko dan bertanggung jawab untuk mengembangkan budaya are responsible for developing an organizational culture related to risk
organisasi terkait manajemen risiko yang diterapkan secara konsisten dan management that is consistent and up-to-date in every organizational unit.
terkini di setiap unit organisasi. Tindakan tersebut bertujuan agar seluruh These actions aim to ensure that all employees can identify and manage
karyawan dapat mengidentifikasi dan mengelola risiko secara efektif. Oleh risks effectively. Therefore, the Company's KPMR is considered adequate.
karena itu, KPMR Perseroan dinilai telah memadai. Meskipun terdapat Although there are some minor weaknesses, these weaknesses can be
beberapa kelemahan kecil, namun kelemahan tersebut dapat diatasi dalam overcome in the short term.
jangka pendek.
Implementation of Risk Level Implementation of Risk Level
Peringkat profil risiko Perseroan secara keseluruhan yang mencakup tingkat The Company's overall risk profile, encompassing the inherent risk level
risiko inheren dan kualitas penerapan manajemen risiko berada pada and the quality of its risk management implementation, was ranked 2. This
peringkat 2. Hal ini berdasarkan hasil penilaian risiko inheren yang berada was based on the inherent risk assessment, which was at Low to Moderate
pada level Rendah hingga Sedang dan kualitas penerapan manajemen level, and the quality of its risk management implementation, which
risiko yang berada pada level Strong. Dari hasil penilaian tersebut, dapat was at Strong level. Based on this assessment, it can be concluded that
disimpulkan bahwa kemungkinan kerugian yang dihadapi Perseroan the Company's potential loss due to inherent risk is low to moderate.
akibat risiko inheren adalah rendah hingga sedang. Secara keseluruhan, Overall, the quality of its risk management implementation is adequate;
kualitas penerapan manajemen risiko sudah memadai, namun jika terdapat however, any weaknesses that arise require immediate management
kelemahan maka perlu mendapat perhatian Manajemen untuk segera attention and action.
mengambil tindakan.
Evaluasi atas Efektivitas Sistem Evaluation on the Effectiveness of the Risk
Manajemen Risiko Management System
Penerapan sistem manajemen risiko senantiasa dilakukan The implementation of risk management system is always
evaluasi secara berkala oleh Direksi, di bawah pengawasan evaluated periodically by the Board of Directors, under
dari Dewan Komisaris melalui Komite Pemantau Risiko yang the supervision of the Board of Commissioners through
bertanggung jawab dalam membantu Dewan Komisaris the Risk Oversight Committee, which is responsible for
untuk memantau penerapan manajemen risiko yang assisting the Board of Commissioners in monitoring
dilakukan oleh Direksi. the implementation of risk management carried out by
the Board of Directors.
Evaluasi penerapan sistem manajemen risiko dilakukan The risk management system is evaluated to determine its
terhadap kesesuaian sistem manajemen risiko yang suitability to the Company's operational business needs,
diterapkan dengan kebutuhan operasional bisnis Perseroan based on reports submitted by the risk management function,
berdasarkan laporan yang disampaikan oleh fungsi including reports on the risk profile and recommendations
manajemen risiko, termasuk laporan mengenai profil risiko provided by the Risk Monitoring Committee. This evaluation
dan rekomendasi yang diberikan oleh Komite Pemantau results will then serve as the basis for consideration in
Risiko. Hasil evaluasi tersebut kemudian akan menjadi dasar improving the quality of the Company's risk management
pertimbangan dalam meningkatkan kualitas penerapan implementation.
manajemen risiko Perseroan.
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Corporate Governance
Pernyataan Dewan Komisaris dan Statements of the Board of
Direksi atas Kecukupan Sistem Commissioners and the Board of
Manajemen Risiko Directors on the Adequacy of the Risk
Management System
Berdasarkan hasil evaluasi yang dilakukan sepanjang tahun Based on the results of evaluations conducted throughout
2025, Dewan Komisaris dan Direksi menyimpulkan bahwa 2025, the Board of Commissioners and Board of Directors
penerapan sistem manajemen risiko di Perseroan telah conclude that the Company’s risk management system has
berjalan dengan baik dan efektif, dengan peringkat profil been implemented properly and effectively, with a risk profile
risiko pada tingkat 2 yang mengindikasikan tingkat risiko rating at the level of 2, indicating a risk level of moderate
moderat dan masih dapat dikelola dengan baik melalui and can still be managed well through implementing
penerapan manajemen risiko. Kualitas penerapan manajemen risk management. The quality of the risk management
risiko tersebut dinilai memadai. Hal tersebut tercermin dari implementation is considered adequate. This is reflected in
kemampuan Perseroan dalam mengidentifikasi, mengukur, the Company's ability to identify, measure, monitor and control
memantau, dan mengendalikan risiko yang melekat pada the risks inherent in business activities, and thus, the final
kegiatan usaha, sehingga tingkat risiko akhir berada dalam risk level is within acceptable tolerance limits. Nevertheless,
batas toleransi yang dapat diterima. Meski demikian, the Company remains committed to continuously improving
Perseroan berkomitmen untuk terus melakukan peningkatan and enhancing its risk management system to address
dan penyempurnaan sistem manajemen risiko agar mampu increasingly complex dynamics and challenges in the future.
menghadapi dinamika dan tantangan yang semakin
kompleks di masa mendatang.
Insider Trading
Insider Trading
Insider trading merupakan praktik membeli atau menjual Insider trading refers to the practice of buying or selling shares
saham atau instrumen keuangan lainnya berdasarkan or other financial instruments based on material information
informasi material yang belum tersedia untuk publik. that has not yet been made available to the public. Such
Informasi tersebut biasanya diperoleh oleh orang dalam information is typically obtained by insiders of the Company,
Perseroan, seperti Dewan Komisaris, Direksi, atau karyawan including members of the Board of Commissioners, Board
yang memiliki akses khusus terhadap data keuangan atau of Directors, or employees who have special access to
strategi Perseroan. Aktivitas ini dianggap ilegal karena the Company’s financial data or strategic information. This
memberikan keuntungan tidak adil dan merusak prinsip activity is considered illegal as it creates unfair advantages
pasar modal yang transparan dan adil bagi seluruh investor. and undermines the principles of a transparent and fair
Seluruh insan Perseroan diwajibkan untuk mencegah insider capital market for all investors. All Company’s personnel
trading yang telah diatur dalam Pedoman Etika dan Perilaku are required to prevent insider trading, as stipulated in
serta Anggaran Dasar Perseroan. Insider trading dapat the Company’s Code of Conduct as well as its Articles of
mencakup pihak-pihak sebagai berikut. Association. Insider trading may involve the following parties.
1. Pemegang Saham Utama Perseroan; 1. Main Shareholders of the Company;
2. Komisaris, Direktur, atau karyawan Perseroan; 2. Commissioners, Directors, or employees of the Company;
3. Orang perseorangan yang karena kedudukan atau 3. Individuals who because of their position or profession or
profesinya atau karena hubungan usahanya dengan because of their business relationship with the Company
Perseroan memungkinkan orang tersebut memperoleh allow them to obtain inside information; or
informasi orang dalam; atau
4. Pihak yang dalam waktu 6 bulan terakhir tidak lagi 4. Parties who within the last 6 months are no longer parties
menjadi pihak sebagaimana disebutkan dalam poin 1, 2, as mentioned in points 1, 2, and 3.
dan 3.
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Tata Kelola Perusahaan
Selain melanggar hukum, insider trading juga dapat merusak In addition to violating the law, insider trading may also
reputasi perusahaan dan menurunkan kepercayaan investor damage the Company’s reputation and reduce investor
terhadap pasar modal secara keseluruhan. Oleh karena confidence in the capital market as a whole. Accordingly,
itu, berbagai regulasi dan pengawasan ketat diberlakukan various regulations and strict supervisory measures have been
untuk mencegah praktik ini, termasuk kewajiban pelaporan implemented to prevent this practice, including mandatory
transaksi saham oleh orang dalam dan pembatasan waktu reporting of insider share transactions and trading restrictions
melakukan transaksi. Kesadaran dan kepatuhan terhadap during certain periods. Awareness of and compliance with
aturan ini penting untuk menjaga integritas pasar dan these rules are essential to maintaining market integrity and
menciptakan lingkungan investasi yang sehat. Perseroan fostering a healthy investment environment. The Company
juga rutin melakukan sosialisasi kepada seluruh karyawan also regularly conducts internal awareness programs for all
mengenai bahaya insider trading. employees regarding the risks and consequences of insider
trading.
Sepanjang tahun 2025, tidak terdapat insiden insider trading Throughout 2025, there were no incidents of insider trading
yang terjadi di lingkungan Perseroan. within the Company.
Akuntan Publik
Public Accountant
Akuntan Publik merupakan profesional yang memiliki A Public Accountant is a professional with expertise in
keahlian dalam bidang akuntansi dan telah memperoleh accounting who has obtained an official license to provide
lisensi resmi untuk memberikan jasa audit, konsultasi, dan audit, consulting, and other financial services to various
layanan keuangan lainnya kepada berbagai entitas, baik entities, including companies, government institutions,
perusahaan, pemerintah, maupun organisasi non-profit. and non-profit organizations. Public Accountants play an
Akuntan Publik berperan penting dalam memastikan Laporan important role in ensuring that the Financial Statements
Keuangan yang disusun oleh kliennya akurat, transparan, prepared by their clients are accurate, transparent,
dan sesuai dengan standar akuntansi yang berlaku, sehingga and compliant with applicable accounting standards,
dapat dipercaya oleh para pemangku kepentingan. Selain thereby ensuring their reliability for stakeholders. Besides,
itu, Akuntan Publik juga membantu meningkatkan tata Public Accountants contribute to improved governance
kelola dan kepatuhan terhadap regulasi keuangan, sehingga and compliance with financial regulations, supporting
mendukung terciptanya lingkungan bisnis yang sehat dan the creation of a healthy and sustainable business
berkelanjutan. environment.
Kebijakan Penunjukan Akuntan Publik Public Accountant Appointment Policy
Penunjukan Akuntan Publik oleh Perseroan dilakukan The appointment of a Public Accountant by the Company
dengan mempertimbangkan sejumlah faktor penting, seperti is carried out based on several key factors, including
kompetensi, reputasi, dan pengalaman yang dimiliki. Proses competence, reputation, and experience. This appointment
penunjukan ini mengikuti prosedur yang ketat dan ketentuan process follows strict procedures and complies with regulatory
yang telah diatur oleh regulator serta standar industri requirements as well as insurance industry standards,
asuransi, sehingga memastikan Akuntan Publik yang dipilih thereby ensuring that the selected Public Accountant is able
mampu menjalankan tugasnya secara profesional dan sesuai to perform its duties professionally and in accordance with
dengan kebutuhan Perseroan. Hal ini menjadi landasan the Company’s needs. This policy serves as a fundamental
utama dalam menjaga kredibilitas dan transparansi Laporan basis for maintaining the credibility and transparency of
Keuangan Perseroan. the Company’s Financial Statements.
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Corporate Governance
Dalam proses seleksi, Perseroan melibatkan Komite Audit In the selection process, the Company involves
yang bertugas melakukan penilaian menyeluruh terhadap the Audit Committee, which is responsible for conducting
kandidat Akuntan Publik. Komite Audit kemudian memberikan a comprehensive assessment of Public Accountant
rekomendasi kepada Dewan Komisaris sebagai pihak yang candidates. The Audit Committee subsequently submits its
memiliki wewenang akhir dalam penunjukan. Pendekatan recommendation to the Board of Commissioners, which
ini bertujuan untuk memastikan bahwa pemilihan Akuntan holds the final authority in the appointment. This approach
Publik tidak hanya berdasarkan pertimbangan teknis, tetapi ensures that the selection of the Public Accountant is based
juga melalui evaluasi yang komprehensif dan akuntabel. not only on technical considerations, but also on a thorough
and accountable evaluation process.
Setelah Akuntan Publik ditunjuk, Perseroan menjalankan Following the appointment of the Public Accountant,
mekanisme pengawasan untuk memastikan seluruh tugas the Company implements supervisory mechanisms to
dan tanggung jawab dijalankan sesuai dengan perjanjian ensure that all duties and responsibilities are carried out
yang telah disepakati dan peraturan yang berlaku. Selain itu, following the agreed contract and applicable regulations.
Perseroan juga melakukan evaluasi berkala terhadap kinerja In addition, the Company conducts periodic evaluations
Akuntan Publik guna menjaga kualitas audit dan memastikan of the Public Accountant’s performance to maintain audit
konsistensi dalam pelaksanaan tugas. Dengan demikian, quality and ensure consistency in the execution of duties.
proses penunjukan dan pengawasan ini menjadi bagian Therefore, the appointment and supervision process forms
penting dalam menjaga integritas Laporan Keuangan serta an integral part of maintaining the integrity of the Company’s
kepercayaan stakeholder terhadap Perseroan. Informasi Financial Statements and sustaining stakeholder confidence.
mengenai Kantor Akuntan Publik dan Akuntan Publik yang Information regarding the Public Accounting Firm and Public
telah mengaudit Laporan Keuangan Perseroan dalam kurun Accountant that have audited the Company’s Financial
waktu 5 tahun terakhir diuraikan sebagai berikut. Statements over the past 5 years is listed below.
Biaya*)
Tahun Kantor Akuntan Publik Nama Akuntan Opini
Fee*)
Year Public Accounting Firm Accountant Name Opinion
(Rp)
PKF-Paul Hadiwinata, Hidajat,
Arsono, Retno, Palilingan & Rekan Wajar dalam semua hal material
2021 Santoso Chandra S.E., M.M., Ak., CPA, CA 350.000.000
PKF-Paul Hadiwinata, Hidajat, Unqualified in all material aspects
Arsono, Retno, Palilingan & Partners
PKF-Paul Hadiwinata, Hidajat,
Arsono, Retno, Palilingan & Rekan Wajar dalam semua hal material
2022 Retno Dwi Andani S.E., Ak., CPA, CA 385.000.000
PKF-Paul Hadiwinata, Hidajat, Unqualified in all material aspects
Arsono, Retno, Palilingan & Partners
Menyajikan secara wajar dalam
KAP Suharli, Sugiharto & Rekan semua hal yang material
2023 Riki Afrianof, CPA 400.000.000
KAP Suharli, Sugiharto & Partners Present fairly in all material
respects
Menyajikan secara wajar dalam
KAP Suharli, Sugiharto & Rekan semua hal yang material
2024 Riki Afrianof, CPA 425.000.000
KAP Suharli, Sugiharto & Partners Present fairly in all material
respects
Menyajikan secara wajar dalam
KAP Suharli, Sugiharto & Rekan semua hal yang material
2025 Riki Afrianof, CPA 1.000.000.000**)
KAP Suharli, Sugiharto & Partners Present fairly in all material
respects
* ) Belum termasuk PPN. / Not including VAT.
** ) Peningkatan biaya terjadi dalam rangka implementasi IFRS 17. / The increase in costs occurred in connection with the implementation of IFRS 17.
Jasa Lain yang Diberikan Other Service Rendered
Sepanjang tahun 2025, Kantor Akuntan Publik Suharli, Throughout 2025, Public Accounting Firm Suharli, Sugiharto
Sugiharto & Rekan hanya fokus memberikan jasa audit atas & Partners focused solely on providing audit services for
Laporan Keuangan dan tidak memberikan jasa lain di luar the Company’s Financial Statements and did not render any
tugas tersebut. other services beyond such audit engagement.
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Tata Kelola Perusahaan Koordinasi Akuntan Publik dan Komite Coordination between Public Accountant Audit and Audit Committee Koordinasi antara Akuntan Publik dan Komite Audit merupakan Coordination between the Public Accountant and Audit aspek krusial dalam memastikan kualitas dan keandalan Committee is a crucial aspect in ensuring the quality and pelaporan keuangan Perseroan. Melalui komunikasi yang reliability of the Company’s financial reporting. Through terbuka dan rutin, kedua pihak dapat saling bertukar open and regular communication, both parties are able to informasi terkait proses audit, temuan, dan rekomendasi exchange information on the audit process, findings, and perbaikan yang diperlukan. Sinergi ini membantu Komite necessary recommendations for improvement. This synergy Audit dalam menjalankan fungsi pengawasan secara efektif, supports the Audit Committee in carrying out its oversight sementara Akuntan Publik mendapatkan pemahaman yang function effectively, while enabling the Public Accountant to lebih mendalam mengenai konteks operasional Perseroan. gain a deeper understanding of the Company’s operational Dengan koordinasi yang baik, transparansi dan akuntabilitas context. With effective coordination, the transparency and pelaporan keuangan dapat terjaga, sehingga meningkatkan accountability of financial reporting can be maintained, kepercayaan pemangku kepentingan. thereby enhancing stakeholders’ trust. Pedoman Etika dan Perilaku Code of Conduct LGI telah merancang Pedoman Etika dan Perilaku sebagai LGI has established a Code of Conduct as the primary acuan utama yang harus dipatuhi oleh seluruh karyawan, reference that must be adhered to by all employees, manajemen, dan pihak terkait dalam melaksanakan tugas management, and related parties in carrying out their duties dan tanggung jawabnya. Dokumen ini dirancang untuk and responsibilities. This document provides clear guidance memberikan panduan yang jelas mengenai standar perilaku on the expected standards of conduct, ensuring that yang diharapkan, sehingga setiap individu di dalam organisasi every individual within the organization performs their role dapat menjalankan perannya dengan konsisten dan consistently and responsibly. The Code not only addresses bertanggung jawab. Pedoman ini tidak hanya berfokus pada internal conduct, but also governs how LGI interacts with aspek internal, tetapi juga mengatur cara LGI berinteraksi external parties, including customers, colleagues, business dengan berbagai pihak eksternal seperti nasabah, rekan partners, regulators, and the wider community. kerja, mitra bisnis, regulator, dan masyarakat luas. Isi Pedoman Etika dan Perilaku mencerminkan komitmen The content of the Code of Conduct reflects LGI’s commitment LGI dalam memberikan pelayanan yang profesional dan to delivering professional services with integrity. Through this berintegritas. Melalui pedoman ini, LGI menegaskan Code, LGI emphasizes the importance of maintaining healthy pentingnya menjaga hubungan yang sehat dan harmonis and harmonious relationships with all stakeholders, while dengan seluruh pemangku kepentingan, serta memastikan ensuring that every action taken is aligned with established bahwa setiap tindakan yang diambil sesuai dengan nilai-nilai ethical values. The Code serves as the foundation for all etika yang telah ditetapkan. Pedoman ini menjadi landasan operational and business activities, fostering a corporate bagi seluruh aktivitas operasional dan bisnis, sehingga culture that upholds honesty, transparency, and social menciptakan budaya kerja yang menghargai kejujuran, responsibility. transparansi, dan tanggung jawab sosial. 336 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Sebagai bagian dari Peraturan Perusahaan, Pedoman As part of the Company Regulation, the Code of Conduct is
Etika dan Perilaku diatur secara resmi dalam Pasal 21 formally stipulated in Article 21 of Chapter VII, which affirms
Bab VII, yang menegaskan bahwa seluruh karyawan wajib that all employees are required to act in accordance with
bertindak sesuai dengan standar etika dan integritas profesi ethical standards and professional integrity in every aspect
dalam setiap aspek jabatan dan pekerjaan. Ketentuan ini of their positions and work. This provision strengthens
memperkuat posisi pedoman sebagai instrumen penting the role of the code as an essential instrument in ensuring
dalam memastikan bahwa perilaku setiap individu sejalan that individual conduct aligns with the Company’s values and
dengan nilai-nilai perusahaan dan prinsip GCG. Dengan GCG principles. Thus, the Code of Conduct serves not only
demikian, Pedoman Etika dan Perilaku tidak hanya menjadi as a formal regulation, but also as a moral foundation that
aturan formal, tetapi juga fondasi moral yang mendukung supports LGI’s success and reputation. The matters governed
keberhasilan dan reputasi LGI. Adapun hal-hal yang diatur under the Code of Conduct are described as follows.
dalam Pedoman Etika dan Perilaku diuraikan sebagai berikut.
Batasan Gratifikasi
Umum Integritas Objektivitas
Gratification
General Integrity Objectivity
Limitation
Informasi mengenai Hak Kepemilikan (Prioprietary Rights) dan Perlindungan Data Pribadi
Information on Proprietary Rights and Personal Data Protection
Media Massa dan Penerbitan Tata Kelola Kepegawaian yang Layak
Mass Media and Publication Proper Human Reasources Governance
Standar Perilaku Dewan Komisaris, Direksi, dan Karyawan
Pengamanan Aset Perseroan
Standards of Conduct for the Board of Commissioners,
Company Asset Safeguarding
the Board of Directors, and Employees
Kecermatan Catatan dan Pelaporan Perusahaan Hubungan dengan Pemasok
Accuracy of Company’s Records and Reporting Relationships with Suppliers
Penerapan Program Anti Pencucian Uang, Pencegahan Pendanaan Terorisme, Pencegahan Pendanaan Proliferasi, Senjata Pemusnah Massal
Implementation of Anti-Money Laundering Program, Counter-Financing of Terrorism, Counter-Financing of Proliferation of Weapons of Mass
Destruction
Penerapan Anti-Fraud
Larangan Penggunaan Narkotika, Obat-obatan Terlarang, Minuman Beralkohol, dan Senjata
Anti-Fraud
Prohibition of the Use of Narcotics, Illegal Drugs, Alcoholic Beverages, and Weapons
Implementation
Perundang-undangan dan Peraturan Menerima dan Melakukan Pekerjaan di Luar Perseroan
Laws and Regulations Accepting and Performing Work Outside the Company
Hubungan Bisnis yang Tidak Dapat Diterima Asuransi atas Objek Milik Karyawan
Unacceptable Business Relationships Insurance for Employee-Owned Objects
Hubungan Keluarga Karyawan Sinergi
Employee Family Relationship Synergy
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Tata Kelola Perusahaan Dengan mengedepankan kualitas dan integritas seluruh By prioritizing the quality and integrity of all Company's insan Perseroan, serta menanamkan nilai-nilai akhlak yang personnel, and embedding strong ethical values, and kuat dan menerapkan praktik terbaik dalam GCG secara consistently implementing best practices in GCG, konsisten, Perseroan mampu menciptakan dampak positif the Company is able to create a significant positive impact. yang signifikan. Pendekatan ini menjadi landasan yang kokoh This approach serves as a solid foundation for maintaining untuk menjaga kelangsungan bisnis, tidak hanya pada saat business continuity, not only in the present, but also in ini, tetapi juga untuk menghadapi tantangan di masa depan. addressing challenges in the future. Sosialisasi serta Penegakan Pedoman Code of Conduct Dissemination and Etika dan Perilaku Enforcement Perseroan menempatkan pemahaman dan kepatuhan The Company places understanding and compliance with terhadap Pedoman Etika dan Perilaku sebagai prioritas utama the Code of Conduct as a top priority for all the Company’s bagi seluruh insan Perseroan, mulai dari Dewan Komisaris, personnel, from the Board of Commissioners and Board of Direksi, hingga karyawan di seluruh level. Untuk memastikan Directors to employees at all levels. To ensure its realization, hal tersebut, Perseroan secara rutin mengadakan berbagai the Company regularly conducts various dissemination kegiatan sosialisasi yang meliputi pelatihan, seminar, activities, including training programs, seminars, workshops, workshop, dan penyebaran materi melalui komunikasi and the dissemination of materials through internal internal. Pada tahun 2025, sosialisasi dilaksanakan pada communication channels. In 2025, dissemination activities tanggal 7 Mei 2025, di mana seluruh karyawan diwajibkan were carried out on May 7th, 2025, during which all employees untuk membaca, memahami, dan menandatangani were required to read, understand, and sign a statement of pernyataan kesediaan mematuhi isi Pedoman Etika dan commitment to comply with the Code of Conduct, which was Perilaku yang disebarkan secara digital melalui email blast. distributed digitally via email blast. This approach not only Pendekatan ini tidak hanya memperkuat pengetahuan, strengthens knowledge, but also reinforces each individual’s tetapi juga menegaskan komitmen setiap individu dalam commitment to upholding the ethical values established by menjalankan nilai-nilai etika yang telah ditetapkan Perseroan. the Company. Penegakan Pedoman Etika dan Perilaku dilakukan dengan The Code of Conduct is enforced strictly and consistently, ketat dan konsisten, di mana setiap pelanggaran ditangani with every violation addressed seriously in accordance with secara serius sesuai dengan prosedur yang berlaku. Proses applicable procedures. The investigation process for alleged investigasi atas dugaan pelanggaran menjadi tanggung violations is the responsibility of the People Development jawab Divisi People Development, yang bertugas memastikan Division, which is tasked with ensuring that each case is bahwa setiap kasus ditindaklanjuti secara objektif dan followed up on objectively and transparently. Through this transparan. Dengan mekanisme penegakan ini, Perseroan enforcement mechanism, the Company not only promotes tidak hanya mendorong budaya kepatuhan, tetapi juga a culture of compliance, but also fosters a healthy and membangun lingkungan kerja yang sehat dan berintegritas. integrity-driven work environment. These continuous efforts Upaya berkelanjutan ini menunjukkan tekad Perseroan dalam demonstrate the Company’s commitment to maintaining its menjaga reputasi dan menciptakan tata kelola perusahaan reputation and establishing good corporate governance, yang baik, sekaligus memberikan contoh nyata bahwa etika while providing tangible evidence that ethics and professional dan perilaku profesional merupakan fondasi utama dalam conduct are the fundamental pillars of all business activities. setiap aktivitas bisnis. Laporan Pelanggaran Violation Report Sepanjang tahun 2025, Perseroan tidak menerima laporan Throughout 2025, the Company did not receive any pelanggaran yang signifikan terkait Pedoman Etika dan significant violation reports related to the Code of Conduct Perilaku yang dapat merugikan Perseroan secara material. that could materially harm the Company. This reflects Hal ini mencerminkan komitmen seluruh insan Perseroan the commitment of all Company’s personnel to conduct dalam menjalankan aktivitas bisnis dengan mematuhi business activities in compliance with the established ethical standar etika yang telah ditetapkan. standards. 338 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance Pedoman Benturan Kepentingan Conflict of Interest Guidelines Perseroan menjalankan kebijakan pedoman benturan The Company implements a conflict of interest policy kepentingan yang mengharuskan seluruh insan untuk that requires all personnel to openly disclose any form of secara terbuka mengungkapkan setiap bentuk kepentingan personal interest that may potentially influence business pribadi yang berpotensi memengaruhi keputusan bisnis. decisions. Transparency in such disclosures serves as Transparansi dalam pengungkapan ini menjadi landasan the primary foundation for maintaining integrity and utama untuk menjaga integritas dan objektivitas dalam objectivity in decision-making, thereby minimizing the risk of pengambilan keputusan, sehingga dapat meminimalkan conflicts of interest that could adversely affect the Company risiko konflik kepentingan yang dapat merugikan Perseroan or its stakeholders. Through this obligation, each individual maupun para pemangku kepentingan. Dengan adanya within the Company is expected to act professionally and kewajiban ini, diharapkan setiap individu di dalam Perseroan responsibly in carrying out their duties. dapat bertindak secara profesional dan bertanggung jawab dalam menjalankan tugasnya. Selain itu, Dewan Komisaris dan Direksi diwajibkan untuk Moreover, members of the Board of Commissioners and menyusun dan memelihara daftar khusus yang memuat Board of Directors are required to prepare and maintain keterangan mengenai kepemilikan saham, baik pada a special register containing information on share ownership, Perseroan maupun perusahaan lain. Daftar ini menjadi both in the Company and other companies. This register alat pengawasan penting yang membantu memastikan serves as an important oversight tool to ensure that no tidak adanya benturan kepentingan yang tersembunyi dan undisclosed conflicts of interest exist and to provide a clear memberikan gambaran yang jelas mengenai hubungan overview of ownership relationships that may influence kepemilikan yang dapat memengaruhi keputusan strategis the Company’s strategic decisions. Through this mechanism, Perseroan. Melalui mekanisme ini, Perseroan berkomitmen the Company is committed to implementing good, untuk menerapkan tata kelola perusahaan yang baik, transparent, and accountable corporate governance in order transparan, dan akuntabel guna menjaga kepercayaan to maintain public trust and support business sustainability. publik serta mendukung keberlanjutan usaha. Perkara Hukum dan Sanksi Administratif Legal Cases and Administrative Sanctions Faced Perkara hukum dan sanksi administratif menjadi aspek Legal cases and administrative sanctions are important penting yang perlu dikelola dengan cermat oleh Perseroan aspects that must be carefully managed by the Company to untuk menjaga kelangsungan dan reputasi bisnis. Setiap maintain business continuity and reputation. Any potential potensi atau kejadian yang berhubungan dengan masalah or actual events related to legal issues or regulatory hukum maupun pelanggaran terhadap regulasi harus non-compliance must be handled professionally and ditangani secara profesional dan transparan, dengan transparently, involving relevant parties to ensure fair melibatkan pihak terkait untuk memastikan penyelesaian and timely resolution. Through effective management, yang adil dan tepat waktu. Melalui pengelolaan yang the Company can minimize adverse impacts and strengthen baik, Perseroan dapat meminimalkan dampak negatif dan compliance with applicable regulations, while maintaining memperkuat kepatuhan terhadap peraturan yang berlaku, stakeholders’ trust. sekaligus menjaga kepercayaan pemangku kepentingan. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 339
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Tata Kelola Perusahaan
Perkara Hukum Legal Cases
Informasi terkait perkara hukum yang dihadapi Perseroan Information regarding legal cases faced by the Company
sepanjang tahun 2025 diuraikan sebagai berikut. throughout 2025 is described as follows.
Jumlah Kasus
Permasalahan Hukum Total Cases
Legal Issues Pidana Perdata
Criminal Civil
Telah mendapatkan putusan yang mempunyai kekuatan hukum tetap.
- 2
Has obtained legally binding decision.
Dalam proses penyelesaian.
- 1
In settlement process
Jumlah
- 3
Total
Status
Pokok Perkara Risiko dan Pengaruh terhadap Perseroan Tindak Lanjut
Perkara
Merits of the Case Risks and Impacts on the Company Follow-up
Case Status
Kasus Pidana / Criminal Case
- - - -
Kasus Perdata / Civil Case
Wanprestasi Selesai Dalam pokok perkara ini, LGI sebagai Termohon pada Permohonan Tidak Ada
atas Perkara Wanprestasi yang diajukan penyelesaiannya melalui
Lembaga Alternatif Penyelesaian Sengketa Sektor Jasa Keuangan
(LAPS SJK). LGI sudah memenuhi kewajibannya sebagai Penanggung,
Majelis memutuskan memenangkan LGI. Polis asuransi dinyatakan batal
demi hukum karena tidak memenuhi syarat sebab yang halal, akibat
adanya pelanggaran kepabeanan oleh Pemohon.
Default Resolved In the merits of this case, LGI is the Respondent in a petition for Default, None
which was submitted for resolution through the Alternative Dispute
Resolution Institution for the Financial Services Sector (LAPS SJK).
LGI has fulfilled its obligations as the Insurer, and the Panel ruled in
favor of LGI. The insurance policy was declared null and void due to
the failure to meet the requirements for a legitimate cause, resulting
from a customs violation by the Applicant.
Wanprestasi Selesai Dalam pokok perkara ini, LGI berkedudukan sebagai Tergugat III dalam Tidak Ada
gugatan wanprestasi. LGI telah melaksanakan kewajiban pembayaran
klaim sesuai dengan ketentuan polis yang berlaku, sehingga tidak
terdapat pelanggaran perjanjian maupun wanprestasi dari pihak
Perseroan. Dengan demikian, perkara ini tidak menimbulkan risiko
maupun dampak hukum terhadap LGI.
Default Resolved In the merits of this case, LGI is the third defendant in a breach of None
contract lawsuit. LGI has fulfilled its claim payment obligations in
accordance with the applicable policy provisions, and therefore, there
is no breach of the agreement or default by the Company. Therefore,
this case does not pose any legal risks or implications for LGI.
Wanprestasi Dalam Proses Dalam pokok perkara ini, LGI merupakan salah satu Tergugat dalam Para Panel anggota
pokok perkara ini Perseroan bertindak sebagai anggota koasuransi, koasuransi sedang berada
sehingga risiko hukum yang terjadi adalah Perseroan akan diminta ditahap proses litigasi
membayar ganti rugi sesuai dengan porsi sebagai anggota koasuransi. perkara perdata, dan
melakukan upaya hukum
dengan menganalisis dan
memitigasi risiko yang
kemungkinan terjadi
Default In process In the merits of this case, LGI is one of the Defendants. In the merits The coinsurance panel
of this case, the Company acts as a co-insurance member, and members are currently in
therefore, the legal risk that occurs is that the Company will be asked the civil litigation process
to pay compensation according to its portion as a co-insurance and are taking legal action
member. by analyzing and mitigating
potential risks.
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Corporate Governance Kepatuhan Pembayaran Pajak Tax Payment Compliance Perseroan senantiasa menjalankan kewajiban perpajakan The Company consistently fulfills its tax obligations with dengan penuh kepatuhan dan integritas sesuai dengan full compliance and integrity in accordance with prevailing peraturan perundang-undangan yang berlaku. Dalam laws and regulations. In carrying out its business activities, setiap aktivitas usahanya, Perseroan memastikan bahwa the Company ensures that all taxes for which it is responsible, seluruh pajak yang menjadi tanggung jawabnya, baik pajak including income tax, value-added tax, and other applicable penghasilan, pajak pertambahan nilai, maupun jenis pajak taxes, are paid accurately and on time. This commitment not lainnya, dibayarkan secara tepat waktu dan akurat. Komitmen only reflects the Company’s seriousness in meeting its fiscal ini tidak hanya mencerminkan keseriusan Perseroan dalam obligations, but also represents its contribution to national memenuhi kewajiban fiskal, tetapi juga sebagai bentuk development and the creation of a sound and sustainable dukungan terhadap pembangunan nasional dan terciptanya business climate. iklim bisnis yang sehat serta berkelanjutan. Transparansi Kondisi Keuangan dan Non-Keuangan Transparency of Financial and Non-Financial Conditions Perseroan menjunjung tinggi prinsip transparansi dengan The Company upholds the principle of transparency by secara konsisten mengungkapkan kondisi keuangan consistently disclosing both financial and non-financial maupun non-keuangan kepada seluruh pemangku conditions to all stakeholders. In terms of finance, kepentingan. Dalam hal keuangan, Perseroan secara rutin the Company regularly prepares and publishes audited menyusun dan mempublikasikan Laporan Keuangan yang Financial Statements, ensuring that information on financial telah diaudit, sehingga informasi mengenai kinerja keuangan performance is easily accessible and clearly accountable. dapat diakses dengan mudah dan dipertanggungjawabkan This transparency enhances the confidence of investors secara jelas. Transparansi ini tidak hanya meningkatkan and business partners, while supporting more informed and kepercayaan investor dan mitra bisnis, tetapi juga mendukung data-driven decision-making. In addition, the Company pengambilan keputusan yang lebih tepat dan berbasis provides access to information related to non-financial data. Selain itu, Perseroan juga membuka akses informasi aspects, including reports on operational performance, terkait aspek non-keuangan, seperti laporan mengenai corporate social responsibility initiatives, and kinerja operasional, tanggung jawab sosial perusahaan, dan the environmental impacts arising from its business activities. dampak lingkungan yang dihasilkan dari aktivitas bisnisnya. Such disclosures demonstrate the Company’s commitment Pengungkapan ini menunjukkan komitmen Perseroan to conducting business not solely for profit, but also with dalam menjalankan bisnis yang tidak hanya mengutamakan due regard for sustainability, community welfare, and keuntungan semata, tetapi juga memperhatikan keberlanjutan environmental preservation. dan kesejahteraan masyarakat serta kelestarian lingkungan. PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 341
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Tata Kelola Perusahaan Pengelolaan Anti-Korupsi dan Gratifikasi Anti-Corruption and Gratuity Management Di LGI, pengelolaan anti-korupsi dan gratifikasi dilakukan At LGI, anti-corruption and gratuity management is dengan sangat serius dan mengacu pada prosedur yang undertaken with utmost seriousness and is governed by tertuang dalam Pedoman Etika dan Perilaku Perseroan. procedures set forth in the Company’s Code of Conduct. Pedoman ini menjadi landasan utama yang mengatur tata This Code serves as the primary reference regulating the cara pencegahan dan penanganan praktik korupsi dan prevention and handling of corruption and gratuity practices, gratifikasi, serta telah disosialisasikan secara menyeluruh and has been thoroughly disseminated to all Company’s kepada seluruh insan Perseroan untuk memastikan personnel to ensure consistent understanding and pemahaman dan kepatuhan yang konsisten. Pada tahun compliance. In 2025, LGI reconducted dissemination of the 2025, LGI kembali menggelar sosialisasi Pedoman Etika dan Code of Conduct on May 7th, 2025 with particular emphasis Perilaku pada tanggal 7 Mei 2025 di mana penekanan khusus on anti-corruption and gratuity aspects. This activity aimed diberikan pada aspek anti-korupsi dan gratifikasi. Kegiatan ini to strengthen a culture of integrity and enhance employees’ bertujuan memperkuat budaya integritas dan meningkatkan awareness of the importance of maintaining transparency kesadaran karyawan akan pentingnya menjaga transparansi and accountability in all business activities. Through these dan akuntabilitas dalam setiap aktivitas bisnis. Melalui upaya efforts, LGI is committed to creating a work environment ini, LGI berkomitmen untuk menciptakan lingkungan kerja free from corruption and gratuity practices, while supporting yang bersih dari praktik korupsi dan gratifikasi, sekaligus the implementation of good and sustainable corporate mendukung terciptanya tata kelola perusahaan yang baik governance. dan berkelanjutan. Sistem Pelaporan Pelanggaran Whistleblowing System Sistem pelaporan pelanggaran merupakan mekanisme yang The whistleblowing system is a mechanism provided disediakan oleh Perseroan untuk memfasilitasi pelaporan by the Company to facilitate the safe, transparent, and secara aman, transparan, dan rahasia terhadap segala confidential reporting of any violations or irregularities bentuk pelanggaran atau penyimpangan yang terjadi dalam occurring within the Company. This system is designed to lingkungan Perseroan. Sistem ini dirancang agar setiap enable employees, partners, and stakeholders to submit karyawan, mitra, maupun pemangku kepentingan dapat complaints or information regarding violations without fear of menyampaikan keluhan atau informasi terkait pelanggaran retaliation. Through this system, the Company is committed tanpa rasa takut akan adanya tindakan pembalasan. to objectively and promptly following up on every report, Dengan adanya sistem ini, Perseroan berkomitmen untuk thereby supporting the establishment of a high-integrity menindaklanjuti setiap laporan secara objektif dan cepat, corporate culture. sehingga mendukung terciptanya budaya perusahaan yang berintegritas tinggi. Perlindungan bagi Pelapor Whistleblowers Protection Program Pelapor yang menyampaikan informasi melalui whistleblowing Whistleblowers who submit information through system mendapatkan perlindungan penuh dari Perseroan the whistleblowing system are granted full protection untuk menjaga kerahasiaan identitas dan keamanan mereka. by the Company to safeguard the confidentiality of their 342 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Corporate Governance
Setiap laporan ditangani secara rahasia dengan prosedur identity and their personal security. Each report is handled
yang ketat guna mencegah adanya tindakan pembalasan confidentially under strict procedures to prevent any form
atau intimidasi terhadap pelapor. Adapun tindakan of retaliation or intimidation against the whistleblowers.
perlindungan mencakup beberapa hal sebagai berikut. The protective measures include the following.
1. Pelindungan kerahasiaan identitas pelapor termasuk 1. Protection of the confidentiality of the whistleblower’s
informasi yang dapat digunakan untuk menghubungi identity including information that can be used to contact
pelapor; the whistleblower;
2. Pelindungan atas tindakan balasan dari terlapor atau 2. Protection of retaliation from the reported party or other
pihak lain yang mempunyai benturan kepentingan; serta parties who have a conflict of interest; and
3. Pelindungan dari tekanan, hak-hak sebagai karyawan, 3. Protection from pressure, rights as employees, lawsuits,
gugatan hukum, harta benda, hingga tindakan fisik. property, and physical actions.
Pentingnya perlindungan bagi pelapor tidak hanya sebagai The importance of whistleblower protection serves not
bentuk penghargaan terhadap keberanian mereka, tetapi only as an acknowledgment of their courage, but also as
juga sebagai fondasi dalam menjaga integritas organisasi a foundation for maintaining the integrity of the organization
secara keseluruhan. Dengan sistem perlindungan yang as a whole. With an effective protection system in place,
efektif, diharapkan kepercayaan terhadap mekanisme trust in the reporting mechanism is expected to increase,
pengaduan semakin meningkat, sehingga mendorong thereby encouraging active participation in upholding good
partisipasi aktif dalam menjaga tata kelola yang baik dan governance and preventing violations in the future.
mencegah terjadinya pelanggaran di masa depan.
Pihak Pengelola dan Penanganan Complaint Management
Pengaduan
Pengaduan pelanggaran dapat dilakukan dengan mengisi Reports of violations may be submitted by completing
formulir whistleblowing yang tersedia di situs web Perseroan, the whistleblowing form available on the Company’s
yang dirancang khusus untuk memudahkan pelaporan website, which is specifically designed to facilitate
berbagai isu terkait pelanggaran, ketidakpatuhan, atau the anonymous and secure reporting of various issues related
tindakan tidak etis secara anonim dan aman. Seluruh laporan to violations, non-compliance, or unethical conduct. All
yang masuk melalui formulir ini akan ditangani secara serius reports submitted through this form are handled seriously by
oleh tim Whistleblowing yang bertanggung jawab untuk the Whistleblowing team, which is responsible for ensuring
memastikan proses penanganan pengaduan berjalan that the complaint-handling process is conducted
transparan, objektif, dan sesuai prosedur. Dengan adanya transparently, objectively, and in accordance with established
sistem ini, diharapkan setiap individu dapat menyampaikan procedures. Through this system, individuals are encouraged
informasi penting tanpa rasa khawatir, sehingga mendukung to convey important information without concern,
terciptanya lingkungan kerja yang lebih bersih dan thereby supporting the creation of a cleaner and more
berintegritas. integrity-driven work environment.
Laporan Pengaduan Pelanggaran Whistleblowing Report
Sepanjang tahun 2025, tidak terdapat laporan pelanggaran Throughout 2025, there were no violation reports received
yang diterima melalui Whistleblowing System (WBS). Hal ini through the Whistleblowing System (WBS). This indicates that
menunjukkan bahwa tidak ada indikasi pelanggaran yang there were no reported indications of violations from either
dilaporkan oleh para pelapor atau pihak internal maupun internal or external whistleblowers. This condition reflects
eksternal. Kondisi ini mencerminkan lingkungan kerja yang a conducive work environment and a strong commitment
kondusif dan komitmen kuat terhadap penerapan Pedoman to implementing the Code of Conduct and complying
Etika dan Perilaku serta kepatuhan terhadap peraturan with applicable regulations. Nevertheless, supervision and
yang berlaku. Meski demikian, pengawasan dan sosialisasi dissemination of the importance of WBS remain a priority to
mengenai pentingnya WBS tetap menjadi prioritas agar ensure the system is always ready to function as an effective
sistem ini selalu siap digunakan sebagai saluran pengaduan reporting channel in the future.
yang efektif di masa mendatang.
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Tata Kelola Perusahaan
Perseroan juga senantiasa menerapkan strategi anti-fraud The Company also always implements an anti-fraud strategy
yang diuraikan sebagai berikut. as described as follows.
Pencegahan
Prevention
1. Perseroan melaksanakan prinsip Know Your Employee, yaitu 1. The Company implements Know Your Employee principle by
dengan melakukan screening di awal penerimaan karyawan melalui screening employees at the beginning of recruitment through Police
Surat Keterangan Catatan Kepolisian (SKCK) dan/atau dokumen Record Certificate (SKCK) and/or other documents in accordance
lain sesuai dengan prosedur rekrutmen yang berlaku di Perseroan; with the recruitment procedures applicable in the Company;
2. Perseroan melaksanakan prinsip Know Your Customer melalui 2. The Company implements Know Your Customer principle
pengisian FIN oleh setiap nasabah Perseroan yang penerapannya through the filling of FIN by each customer of the Company,
melibatkan seluruh unit/departemen terkait; the implementation of which involves all relevant units/departments;
3. Pembaruan kebijakan Pedoman Penerapan Pencegahan dan 3. Renewal of Fraud Prevention and Prosecution Implementation
Penindakan Fraud; Guidelines policy;
4. Menyosialisasikan kesadaran akan anti kecurangan dan kebijakan 4. Disseminating anti-fraud awareness and internal policies related to
internal terkait fraud melalui webinar maupun berbagai media internal; fraud through webinars and various internal media;
5. Menyosialisasikan kesadaran akan anti kecurangan kepada 5. Disseminating anti-fraud awareness to customers; and
nasabah; serta
6. Memberikan pelatihan secara berkala untuk mencegah tindakan 6. Providing regular training to prevent fraud in the internal
fraud di lingkungan internal. environment.
Deteksi
Detection
1. Melaksanakan audit internal secara berkala, seperti audit 1. Conducts regular internal audits, such as compliance audit and ISO
compliance dan audit ISO; audit;
2. Penerimaan pelaporan atas indikasi fraud dapat berasal dari semua 2. Acceptance of reporting on indications of fraud can come from all
pihak melalui Whistleblowing System atau media lainnya; parties through the Whistleblowing System or other media;
3. Pengumpulan dan analisis data terkait indikasi fraud; serta 3. Collection and analysis of data related to indications of fraud; and
4. Memaksimalkan fungsi Unit Anti-Fraud yang bekerja sama dengan 4. Maximizing Anti-Fraud Unit’s function in collaboration with Internal
Unit Audit Internal dan Divisi People Development untuk secara Audit Unit and People Development Division to periodically
berkala melakukan pemeriksaan atas potensi fraud termasuk examine potential fraud, including in the internal environment.
di lingkungan internal.
Investigasi, Pelaporan, dan Sanksi
Investigation, Reporting, and Sanctions
1. Pelaksanaan proses investigasi dapat dilakukan oleh Unit Audit 1. Investigation process can be carried out by Internal Audit Unit and/
Internal dan/atau Unit Anti-Fraud; or Anti-Fraud Unit;
2. Pelaporan akan disampaikan ke Pihak Terkait dan/atau Direksi 2. Reporting will be submitted to the Related Party and/or the Board
untuk proses tindak lanjut penentuan sanksi; of Directors for the follow-up process of determining sanctions;
3. Sanksi disesuaikan dengan ketentuan polis dan jika diperlukan akan 3. Sanctions are adjusted to the policy provisions and if necessary, will
dilaporkan ke pihak berwenang; serta be reported to the authorities; and
4. Tindakan kriminal akan dilaporkan ke pihak berwenang. 4. Criminal acts will be reported to the authorities.
Pemantauan, Evaluasi, dan Tindak Lanjut
Monitoring, Evaluation, and Follow-Up
1. Pemantauan dilakukan oleh Unit Anti-Fraud dan Unit Audit Internal 1. Monitoring is conducted by the Anti-Fraud Unit and Internal
sesuai mekanisme yang berlaku di dalam Perseroan; Audit Unit in accordance to the mechanisms that apply within
the Company;
2. Evaluasi dan tindak lanjut dibahas secara berkala; serta 2. Evaluation and follow-up are discussed periodically; and
3. Mengevaluasi Etika dan Tanggung Jawab Profesi terkait fraud 3. Evaluate the Ethics and Professional Responsibilities related to
secara berkala. fraud on a regular basis.
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Rencana Strategis Perusahaan
Company’s Strategic Plans
Rencana dan Langkah-Langkah Strategis Jangka Pendek Periode 1 Tahun
Short-Term Strategic Plans and Measures for a Period of 1 Year
Fokus rencana jangka pendek tahun 2026 diarahkan pada penguatan The focus of the Company’s short-term plan for 2026 is directed
fundamental, perbaikan kualitas portofolio, serta peningkatan profitabilitas to strengthen fundamentals, improve portfolio quality, and enhance
melalui optimalisasi engine bisnis utama dan konsolidasi pada lini yang profitability through optimization of key business engines and consolidation
masih mengalami tekanan. of business lines that are still under pressure.
Adapun langkah-langkah strategis yang akan dilaksanakan adalah Strategic initiatives to be implemented include focusing on strengthening
Perseroan akan fokus pada strategi jangka pendek tahun 2026 pada the Company’s fundamentals and improving portfolio quality.
penguatan fundamental dan perbaikan kualitas portofolio. Konsolidasi Consolidation of the Property & Casualty (P&C) portfolio will be carried out
portofolio P&C (Property and Casualty) dilakukan melalui penghentian through the elimination of structural losses, stricter underwriting discipline,
kerugian struktural, pengetatan disiplin underwriting, reposisi pricing repositioning pricing based on actual risk, and reducing exposure to
berbasis risiko aktual, serta pengurangan eksposur pada segmen yang unprofitable segments. These efforts will be supported by optimization of
tidak profitable. Upaya ini didukung dengan optimalisasi program the reinsurance program and strengthening relationships with reinsurance
reasuransi dan penguatan hubungan dengan mitra reasuransi. partners.
Sebagai engine utama pendapatan, Perseroan juga akan mengoptimalkan As the primary revenue engine, the Company will also optimize the Health
lini Health Insurance, Credit Insurance, dan Korea Desk melalui peningkatan Insurance, Credit Insurance, and Korea Desk lines through improved
retensi portofolio, efisiensi underwriting, dan penguatan posisi di komunitas portfolio retention, underwriting efficiency, and a stronger presence within
bisnis Korea di Indonesia. the Korean business community in Indonesia.
Selanjutnya, Perseroan akan meningkatkan profitabilitas dan efisiensi Furthermore, the Company will improve profitability and operational
operasional melalui pengendalian klaim, hotspot analysis pada lini Asuransi efficiency through claim control, hotspot analysis in the Health Insurance
Kesehatan, penerapan pricing berbasis data, dan optimalisasi investasi. line, implementation of data-based pricing, and optimization of investment
management.
Dari sisi distribusi, penguatan lima platform utama: Broker, Agency, From a distribution perspective, strengthening five main platforms -
Financial Institutions, Digital, dan Direct akan dilakukan melalui peningkatan Broker, Agency, Financial Institutions, Digital, and Direct - will be carried
produktivitas, segmentasi pasar yang lebih terarah, peningkatan retensi out through improved productivity, more targeted market segmentation,
bisnis, serta koordinasi yang lebih kuat dalam akuisisi. Transformasi digital enhanced business retention, and stronger coordination in acquisition
menjadi pilar penting melalui pemanfaatan Artificial Intelligence atau activities. Digital transformation will serve as a key pillar through
kecerdasan buatan untuk customer handling melalui Livia, digitalisasi the utilization of Artificial Intelligence (AI) for customer handling through
proses akseptasi pada pre-risk survey, claim survey, serta integrasi data Livia, digitalization of acceptance processes in pre-risk surveys and claim
antara underwriting, pricing, dan klaim. surveys, and data integration across underwriting, pricing, and claims.
Di sisi tata kelola, Perseroan akan memperkuat kepatuhan dan manajemen From a governance perspective, the Company will strengthen compliance
risiko melalui penyelarasan kebijakan internal dengan memperhatikan and risk management through alignment of internal policies with OJK
ketentuan OJK, penguatan early warning system, serta peningkatan sistem regulations, strengthening the early warning system, and enhancing risk
informasi manajemen risiko dan data governance. management information systems and data governance.
Dari perspektif organisasi, Perseroan mendorong agility melalui From an organizational perspective, the Company promotes agility
implementasi konsep Strong & Agile Fundamentals, pembentukan through the implementation of the Strong & Agile Fundamentals concept,
“Superteam - Pain Point Fixer”, serta percepatan proses pengambilan the formation of a “Superteam - Pain Point Fixer”, and the acceleration of
keputusan dan kolaborasi lintas divisi guna memperkuat eksekusi strategi decision-making processes and cross-division collaboration to strengthen
secara menyeluruh. comprehensive strategy execution.
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Tata Kelola Perusahaan
Rencana dan Langkah-Langkah Strategis Jangka Menengah Periode 3 Tahun
Medium-Term Strategic Plans and Measures for a Period of 3 Years
Strategi jangka menengah LGI diarahkan untuk membangun fondasi LGI’s medium-term strategy is aimed at building a more stable, profitable
bisnis yang lebih stabil, profitable, serta siap memasuki fase transformasi business foundation and preparing the Company for the next phase of
berikutnya. Dalam periode 3 tahun ke depan, Perseroan menargetkan transformation. Over the next three years, the Company targets selective
pertumbuhan pendapatan yang selektif dan berkualitas, profitabilitas yang and high-quality revenue growth, stable profitability through strengthening
stabil melalui penguatan engine utama, serta peningkatan nilai pemegang core engines, and increased shareholder value through efficiency and
saham melalui efisiensi dan monitoring risiko. Upaya konsolidasi portofolio enhanced risk monitoring. The consolidation of the P&C portfolio will be
P&C akan diselesaikan secara bertahap untuk menurunkan loss ratio completed gradually to structurally reduce the loss ratio and position P&C
secara struktural dan menempatkan P&C sebagai future value engine as a future value engine once the restructuring process is fully completed.
setelah proses restrukturisasi sepenuhnya tuntas. Pada saat yang sama, At the same time, strategic engines such as Health, Credit, and Korea
engine strategis seperti Health, Credit, dan Korea Desk akan diperkuat Desk will be strengthened through market share expansion, prudent
melalui perluasan pangsa pasar, pertumbuhan yang prudent, penyesuaian growth, product design adjustments based on risk analytics, and improved
desain produk berbasis analitik risiko, serta peningkatan efisiensi layanan efficiency in claims services and underwriting.
klaim dan underwriting.
Transformasi digital dan penerapan Artificial Intelligence (selanjutnya Digital transformation and the application of Artificial Intelligence (AI) will
disebut AI) memasuki tahap eskalasi dalam horizon jangka menengah. enter an escalation phase in the medium term. The Company will utilize
Perseroan akan memanfaatkan AI dalam layanan klaim, mengembangkan AI in claims services, develop digital dashboards for risk monitoring, and
digital dashboard untuk monitoring risiko, serta membangun tata kelola data establish data governance and AI governance frameworks in accordance
dan AI governance sesuai arahan OJK. Peningkatan otomasi pada proses with OJK guidance. Increased automation in internal processes will also
internal juga menjadi prioritas untuk meningkatkan efisiensi operasional. become a priority to improve operational efficiency. In line with this, the
Sejalan dengan itu, Perseroan akan mendorong pengembangan future Company will encourage the development of future value engines focused
value engines yang berfokus pada digital dan new initiatives sebagai on digital and new initiatives as pillars of long-term value. Innovation will
pilar nilai jangka panjang. Inovasi akan diarahkan pada pengembangan focus on developing insurance ecosystems, micro-insurance, embedded
ekosistem insurance, micro-insurance, embedded coverage, serta coverage, as well as strengthening analytics capabilities and market
kapabilitas analitik dan intelligence pasar sebagai diferensiasi kompetitif. intelligence as competitive differentiators.
Dari sisi organisasi, strategi jangka menengah menekankan penguatan From an organizational perspective, the medium-term strategy emphasizes
kapabilitas risiko, underwriting, dan pricing, serta pengembangan strengthening capabilities in risk management, underwriting, and
distinctive competencies yang relevan dengan engine 2026-2028. Budaya pricing, as well as developing distinctive competencies relevant to
agility akan terus diperkuat untuk meningkatkan kecepatan adaptasi dan the 2026–2028 engines. A culture of agility will continue to be reinforced
efektivitas lintas fungsi. Penguatan governance dan manajemen risiko to improve adaptability and cross-functional effectiveness. Strengthening
terintegrasi juga menjadi fokus melalui penerapan risk appetite yang terukur, governance and integrated risk management also remains a priority
penyempurnaan early warning system untuk portofolio berisiko tinggi, through the implementation of measurable risk appetite, enhancement
serta peningkatan maturity compliance terutama di area digital dan data. of early warning systems for high-risk portfolios, and improvement of
Dengan demikian, LGI diharapkan mampu memasuki fase pertumbuhan compliance maturity, particularly in digital and data-related areas. Through
berikutnya dengan fondasi operasional, finansial, dan organisasi yang lebih these initiatives, LGI is expected to enter the next growth phase with
tangguh dan berdaya saing. stronger operational, financial, and organizational foundations.
Rencana dan Langkah-Langkah Strategis Jangka Panjang Periode 5 Tahun
Long-Term Strategic Plans and Measures for a Period of 5 Years
Rencana jangka panjang Perseroan difokuskan pada pembangunan The Company’s long-term plan focuses on building a more resilient
struktur bisnis yang lebih tangguh dan berkelanjutan, didukung oleh and sustainable business structure, supported by comprehensive digital
transformasi digital menyeluruh serta peningkatan nilai Pemegang Saham transformation and consistent enhancement of shareholder value.
secara konsisten. Perseroan menargetkan untuk menjadi perusahaan The Company aims to become a business with strong fundamentals and
dengan fundamental dan daya tahan tinggi, mempertahankan peringkat resilience, maintain international credit ratings, and serve as an industry
kredit internasional, serta menjadi benchmark industri dalam aspek benchmark in underwriting, pricing, and governance. The overall portfolio
underwriting, pricing, dan governance. Transformasi total portofolio transformation will focus on reducing dependency on business lines with
diarahkan untuk mengurangi ketergantungan pada lini dengan high-loss high loss ratios and shifting focus toward more profitable engines, with
ratio dan mengalihkan fokus kepada engine yang lebih profitable, dengan Health, Credit, and Korea Desk serving as long-term pillars. Completing
Health, Credit, dan Korea Desk sebagai pilar jangka panjang. Penyelesaian the transformation of the Property & Casualty (P&C) portfolio is also
transformasi portofolio Property & Casualty (P&C) juga menjadi tujuan a strategic objective so that P&C can function as a future profit engine.
strategis agar P&C dapat berfungsi sebagai future profit engine.
Pengembangan future value engines menjadi pusat strategi jangka panjang The development of future value engines will become the core
melalui integrasi penuh AI di seluruh rantai nilai, pembangunan ekosistem of the long-term strategy through full AI integration across the value chain,
digital untuk distribusi dan layanan polis, penguatan data governance dan development of digital ecosystems for distribution and policy services,
cyber governance, serta peningkatan kemampuan predictive analytics strengthening data governance and cyber governance, and enhancing
untuk mendukung underwriting dan klaim. Di sisi organisasi, Perseroan predictive analytics capabilities to support underwriting and claims
akan memperkuat kapabilitas underwriting, risk management, dan data processes. From an organizational perspective, the Company will strengthen
intelligence, membangun budaya kerja Pain Point Fixer yang berorientasi underwriting, risk management, and data intelligence capabilities, cultivate
solusi, serta mengembangkan organisasi yang agile dan adaptif terhadap a Pain Point Fixer work culture oriented toward solutions, and develop an
perubahan industri. agile organization capable of adapting to industry changes.
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Rencana dan Langkah-Langkah Strategis Jangka Panjang Periode 5 Tahun
Long-Term Strategic Plans and Measures for a Period of 5 Years
Upaya ekspansi juga dilakukan dengan memperkuat posisi LGI pada Expansion efforts will also be carried out by strengthening LGI’s position
ekosistem Health dan Korea corporate, memperluas kolaborasi dengan within the ecosystems of Health and Korean corporates, expanding
broker, financial institutions, serta mitra digital, dan melakukan penetrasi collaboration with brokers, financial institutions, and digital partners, and
ke industri prioritas dengan risk appetite yang terukur. Dari sisi investasi, penetrating priority industries with a measured risk appetite. From an
strategi jangka panjang diarahkan pada pendekatan konservatif dan stabil investment perspective, the long-term strategy will adopt a conservative
untuk menjadikan hasil investasi sebagai stabilizer dalam menghadapi and stable approach to position investment returns as a stabilizer during
tekanan industri, dengan fokus pada penempatan instrumen risiko rendah periods of industry pressure, with a focus on low-risk instruments in
sesuai regulasi. Secara paralel, Perseroan akan memperkuat tata kelola accordance with regulatory requirements. In parallel, the Company will
dan manajemen risiko jangka panjang melalui penerapan enterprise strengthen long-term governance and risk management through the
risk management yang lebih komprehensif, penguatan risk culture dan implementation of a more comprehensive enterprise risk management
compliance maturity, serta penyempurnaan kerangka risiko digital guna framework, strengthening risk culture and compliance maturity, and
mendukung transformasi AI dan digital secara berkelanjutan. enhancing digital risk frameworks to support sustainable AI and digital
transformation.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 347
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TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN Social and Environmental Responsibility 348 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
Page 351
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 349
Page 352
Tanggung Jawab Sosial dan Lingkungan
Sebagai bagian dari komitmen terhadap pembangunan As part of its commitment to sustainable development,
berkelanjutan, Perseroan memiliki peran strategis dalam the Company plays a strategic role in carrying out its social
menjalankan tanggung jawab sosial dan lingkungan. and environmental responsibilities. Through various initiatives
Melalui berbagai inisiatif yang tidak hanya berfokus pada that focus not only on economic aspects, but also consider
aspek ekonomi, tetapi juga memperhatikan dampak sosial social and environmental impacts, the Company strives to
dan lingkungan, Perseroan berupaya menciptakan nilai create long-term value for all stakeholders. This responsibility
jangka panjang bagi seluruh pemangku kepentingan. is reflected in programs that support community welfare,
Tanggung jawab ini tercermin dalam program-program environmental preservation, and the implementation of
yang mendukung kesejahteraan masyarakat, pelestarian sustainable governance principles as a foundation for
lingkungan, dan penerapan prinsip tata kelola keberlanjutan conducting business ethically.
sebagai fondasi dalam menjalankan bisnis secara etis.
Program-program TJSL yang dilaksanakan Perseroan antara The ESR programs implemented by the Company shall,
lain berpedoman pada: among others, refer to:
1. Undang-Undang No. 40 Tahun 2007 tentang Perseroan 1. Law No. 40 of 2007 on Limited Liability Company and its
Terbatas dan perubahannya; amendments;
2. Undang-Undang No. 13 Tahun 2003 tentang 2. Law No. 13 of 2003 on Manpower as amended by
Ketenagakerjaan sebagaimana telah diubah dengan Law No. 6 of 2023 on the Stipulation of Government
Undang-Undang No. 6 Tahun 2023 tentang Penetapan Regulation in Lieu of Law No. 2 of 2022 on Job Creation
Peraturan Pemerintah Pengganti Undang-Undang into Law;
No. 2 Tahun 2022 tentang Cipta Kerja menjadi
Undang-Undang;
3. Peraturan Pemerintah No. 47 Tahun 2012 tentang 3. Government Regulation No. 47 of 2012 on Social
Tanggung Jawab Sosial dan Lingkungan Perseroan and Environmental Responsibility of Limited Liability
Terbatas; Companies;
4. Peraturan OJK No. 22 Tahun 2023 tentang Pelindungan 4. OJK Regulation No. 22 of 2023 on Consumer and
Konsumen dan Masyarakat di Sektor Jasa Keuangan; Community Protection in the Financial Services Sector;
5. Peraturan Otoritas Jasa Keuangan No. 3 Tahun 2023 5. OJK Regulation No. 3 of 2023 on Improvement of
tentang Peningkatan Literasi dan Inklusi Keuangan Financial Literacy and Inclusion in the Financial Services
di Sektor Jasa Keuangan bagi Konsumen dan Masyarakat; Sector for Consumers and the Community;
6. Surat Edaran OJK No. 13/SEOJK.08/2024 tentang 6. OJK Circular No. 13/SEOJK.08/2024 on the Preparation
Penyusunan dan Penyampaian Laporan Rencana and Submission of Financial Literacy and Financial
dan Laporan Realisasi Literasi Keuangan dan Inklusi Inclusion Plan and Realization Reports;
Keuangan;
7. Surat Edaran OJK No. 16/SEOJK.04/2021 tentang 7. OJK Circular No. 16/SEOJK.04/2021 on the Form
Bentuk dan Isi Laporan Tahunan Emiten atau Perusahaan and Content of the Annual Report of Issuers or Public
Publik; Companies;
8. ISO 9001:2015 tentang Sistem Manajemen Mutu terkait 8. ISO 9001:2015 on Quality Management System
Penyelenggaraan Pelayanan Kesehatan dan Pelayanan related to the Implementation of Health Services and
Non-Kesehatan; serta Non-Health Services; and
9. ISO 27001:2022 tentang Sistem Manajemen Keamanan 9. ISO 27001:2022 on Information Security Management
Informasi. System.
350 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Social and Environmental Responsibility
Perseroan senantiasa merancang dan melaksanakan program The Company consistently designs and implements its ESR
TJSL dengan tujuan utama memberikan dampak positif yang programs with the primary objective of delivering tangible
nyata bagi masyarakat dan kelestarian lingkungan. Setiap positive impacts on society and environmental sustainability.
inisiatif yang dijalankan merupakan wujud komitmen dalam Each initiative undertaken reflects the Company’s
menciptakan keseimbangan antara pertumbuhan bisnis dan commitment to maintaining a balance between business
tanggung jawab sosial. Adapun yang menjadi fokus program growth and social responsibility. The Company’s ESR
TJSL Perseroan meliputi: programs focus on the following areas:
Praktik Ketenagakerjaan, Kesehatan,
Prosedur Operasi yang Wajar Prosedur Operasi yang Wajar dan Keselamatan Kerja
Fair Operating Procedure Fair Operating Procedure Employment, Occupational Health,
and Safety Practices
Perseroan bertanggung jawab penuh atas Perseroan senantiasa menerapkan perilaku Perseroan senantiasa menerapkan praktik-
dampak lingkungan hidup dari kegiatan etis organisasi saat berhubungan dengan praktik ketenagakerjaan (labor practices)
bisnis yang dilakukan. organisasi dan individu lain. dalam mengelola karyawan.
The Company is fully responsible for The Company always applies The Company always applies labor
any environmental impact of its business organizational ethical behavior when practices in managing employees.
activities. dealing with other organizations and
individuals.
Tata Kelola Organisasi
Organizational Governance
Perseroan merumuskan dan menerapkan keputusan yang strategis
sehingga program-program TJSL dapat direalisasikan.
The Company established and implements strategic decisions so ESR
programs can be realized properly.
Pelibatan dan Pengembangan Produk/Jasa serta Nasabah, Mitra
Masyarakat Usaha, dan Investor Pemenuhan Hak Asasi Manusia
Community Engagement and Products/Services and Customers, Fulfillment of Human Rights
Development Business Partners, and Investors
Perseroan mengalokasikan dana untuk Perseroan senantiasa memenuhi hak-hak Perseroan senantiasa memenuhi hak dasar
bantuan masyarakat, pendidikan, dan nasabah, mitra usaha, dan investor yang yang berhak dimiliki seluruh orang sebagai
kesehatan. harus dipenuhi. manusia, yang antara lain mencakup hak
The Company allocates budget for The Company always fulfills the sipil, politik, ekonomi, sosial, dan budaya.
community, education, and health support. customers, business partners, and The Company always fulfills all basic
investors rights that must be fulfilled. human rights which include civil, political,
economic, social, and cultural rights.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 351
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Tanggung Jawab Sosial dan Lingkungan
Ikhtisar Keberlanjutan
Sustainability Highlights
Satuan
Uraian 2025 2024 2023 Description
Unit
Aspek Ekonomi / Economic Aspect
2
2 2
(Asuransi
(Asuransi (Asuransi
Kesehatan
Kesehatan dan Kesehatan dan
dan Asuransi
Jenis Produk Asuransi Umum) Asuransi Umum)
Kuantitas Produk atau Jasa Umum) Products or Services Quantity
Type of Products (Health (Health
(Health
Insurance Insurance
Insurance
and General and General
and General
Insurance) Insurance)
Insurance)
Produk terkait Keuangan Produk Asuransi Sustainable Finance-related
19 20 19
Berkelanjutan Insurance Product Products
Jumlah Perusahaan
23 55 34
Total Companies
Keterlibatan Pemasok Lokal Nilai Kontrak (Miliar Involvement of Local Suppliers
(Tidak termasuk Reinsurer) Rupiah) (Excluding Reinsures)
23,03 30,03 14,16
Contract Value
(Billion Rupiah)
Aspek Sosial / Social Aspect
Pengelolaan Karyawan / Employees Management
Orang
Jumlah Karyawan 512 503 478 Total Employees
People
Orang
Tenaga Kerja Lokal 330 322 360 Local Workers
People
Tingkat Perputaran Karyawan % 15,27 14,48*) 14,09*) Employee Turnover Rate
Program Pengembangan Competency Development
Program 169 201 154
Kompetensi Program
Biaya Program Pengembangan Miliar Rupiah Competency Development
4,93 3,05 1,38
Kompetensi Billion Rupiah Program Cost
Pengembangan dan Pemberdayaan Masyarakat (PPM) / Community Development and Empowerment (PPM)
Pelaksanaan Program PPM Program 13 12 7 PPM Program Implementation
Pihak
Penerima Manfaat 13 19 11 Beneficiaries
Party
Juta Rupiah
Biaya PPM 118,54 141,50 114,70 PPM Cost
Million Rupiah
352 Laporan Tahunan 2025 Annual Report PT Lippo General Insurance Tbk
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Social and Environmental Responsibility
Satuan
Uraian 2025 2024 2023 Description
Unit
Aspek Lingkungan Hidup / Environmental Aspect
Energi / Energy
Penggunaan Energi GJ 3.574,33 1.524,26*) 2.850,69*) Energy Consumption
GJ/Miliar Rupiah
Intensitas Energi 16,42 16,87 *) 0,94*) Energy Intensity
GJ/Billion Rupiah
GJ/Miliar Rupiah
Efisiensi Energi 0,45 15,92*) 0,57 *) Energy Efficiency
GJ/Billion Rupiah
Air / Water
Penggunaan Air m3 4.854 4.918*) 5.013 Water Consumption
m3/Miliar Rupiah
Intensitas Air 22,29 54,42*) 1,66 Water Intensity
m3/Billion Rupiah
m3/Miliar Rupiah
Efisiensi Air 32,13 (52,76)*) 0,75 Water Efficiency
m3/Billion Rupiah
Lainnya / Others
Jumlah Limbah Kertas yang Amount of Paper Waste
Kg 1.807 1.808 3.988
Diolah Processed
Juta Rupiah
Biaya Investasi Lingkungan 275,41 163,43 163,43 Environmental Investment Cost
Million Rupiah
*) Data disajikan kembali. / Data restated.
Uraian terkait kebijakan dan program Tanggung Jawab Sosial A description related to Social and Environmental
dan Lingkungan (TJSL) dibahas secara lebih komprehensif Responsibility (ESR) policies and programs is discussed
pada Laporan Keberlanjutan Perseroan yang disajikan secara more comprehensively in the Sustainability Report, which is
terpisah dari Laporan Tahunan ini. presented separately from this Annual Report.
PT Lippo General Insurance Tbk Laporan Tahunan 2025 Annual Report 353
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PT LIPPO GENERAL INSURANCE Tbk
LAPORAN KEUANGAN/
FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025/
FOR THE YEAR ENDED DECEMBER 31, 2025
DAN/AND
LAPORAN AUDITOR INDEPENDEN/
INDEPENDENT AUDITORS’ REPORT
Page 357
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN KEUANGAN FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
DAFTAR ISI TABLE OF CONTENTS
Laporan Auditor Independen Independent Auditors’ Report
Surat Pernyataan Direksi Directors’ Statement Letter
Halaman/
Pages
Laporan Posisi Keuangan 1-3 Statement of Financial Position
Laporan Laba Rugi dan Statement of Profit or Loss and
Penghasilan Komprehensif Lain 4-5 Other Comprehensive Income
Laporan Perubahan Ekuitas 6-8 Statement of Changes in Equity
Laporan Arus Kas 9 Statement of Cash Flows
Catatan atas Laporan Keuangan 10 - 103 Notes to the Financial Statements
Page 358
Page 359
Page 360
Page 361
Page 362
Page 363
Page 364
Page 365
Page 366
Page 367
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1 Januari 2024/
January 1, 2024/
31 Desember 31 Desember 31 Desember
Catatan/ 2025/ December 2024/ December 2023/ December
Notes 31, 2025 31, 2024*) 31,2023*)
ASET ASSETS
Kas dan bank Cash on hand and in banks
Pihak ketiga 2e,4 12.806.848.497 15.387.497.994 21.023.141.057 Third parties
Pihak berelasi 2p,4,28 706.533.081 - - Related party
Subjumlah 13.513.381.578 15.387.497.994 21.023.141.057 Sub-total
Aset kontrak asuransi - - 298.530.868 Insurance contract assets
Aset kontrak reasuransi 2k,3,5 878.683.875.364 768.691.086.850 862.478.949.053 Reinsurance contract assets
Piutang lain-lain - neto 2d,3,6 69.748.579.616 67.616.214.670 60.732.481.806 Other receivables - net
Investasi Investments
Deposito berjangka Time deposits
Pihak ketiga 2d,7b 564.681.114.566 433.037.723.739 453.279.220.427 Third parties
Pihak berelasi 2p,7b,28 56.000.000.000 - - Related party
Subjumlah 620.681.114.566 433.037.723.739 453.279.220.427 Sub-total
Efek Marketable securities
Pihak ketiga 2d,7a 1.311.192.868.308 1.003.982.771.839 806.671.316.973 Third parties
2d,2p,7a,
Pihak berelasi 28 57.141.624.691 - - Related parties
Subjumlah 1.368.334.492.999 1.003.982.771.839 806.671.316.973 Sub-total
Penyertaan saham 2d,7e 1.131.124.980 1.110.506.611 1.110.506.611 Investment in shares
Properti investasi 2f,7c 86.653.000.000 87.135.000.000 85.480.000.000 Investment properties
Investasi lain 7d 2.498.610.151 - - Other investment
Jumlah investasi 2.079.298.342.696 1.525.266.002.189 1.346.541.044.011 Total investments
Uang muka dan Advances and
biaya dibayar di muka 2g,8 9.859.533.210 9.572.639.810 9.962.032.512 prepaid expenses
Aset hak-guna - neto 2h,3,9a - 1.087.064.171 3.676.257.324 Right-of-use assets - net
Aset tetap - neto 2i,3,10 44.124.497.411 44.551.195.297 47.283.295.498 Fixed assets - net
Aset takberwujud - neto 2j,3,11 22.070.371.797 1.888.210.640 1.203.704.712 Intangible assets - net
2d,2p,12,
Aset lain-lain 28 4.292.623.475 16.691.721.724 1.083.786.848 Other assets
JUMLAH ASET 3.121.591.205.147 2.450.751.633.345 2.354.283.223.689 TOTAL ASSETS
*) Disajikan kembali, lihat Catatan 32 *)As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
1
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These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1 Januari 2024/
January 1, 2024/
31 Desember/ 31 Desember/ 31 Desember
Catatan/ December 31, December 31, 2023/ December
Notes 2025 2024*) 31,2023*)
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Liabilitas kontrak Insurance contract
asuransi 2k,3,14 1.820.855.442.550 1.379.476.358.492 1.333.665.835.580 liabilities
Utang pajak 2m,3,26a 23.312.186.644 2.901.670.783 18.405.615.210 Tax payables
Pendapatan premi Deferred premium
ditangguhkan 13 9.239.450.580 18.356.704.341 12.881.304.317 income
Liabilitas sewa 2h,3,9b - 853.043.780 1.930.601.740 Lease liabilities
Liabilitas imbalan kerja Employee benefit
karyawan 2n,3,15a 23.297.610.000 6.730.000.000 4.694.114.714 liabilities
Liabilitas pajak tangguhan 2m,3,26c 30.302.922.550 32.950.307.174 23.066.496.455 Deferred tax liabilities
Utang lain-lain 2d,16 186.525.670.244 108.876.136.867 111.042.693.609 Other payables
JUMLAH LIABILITAS 2.093.533.282.568 1.550.144.221.437 1.505.686.661.625 TOTAL LIABILITIES
*) Disajikan kembali, lihat Catatan 32 *) As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
2
Page 369
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL POSITION
31 DESEMBER 2025 DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1 Januari 2024/
January 1, 2024/
31 Desember/ 31 Desember/ 31 Desember
Catatan/ December 31, December 31, 2023/ December
Notes 2025 2024*) 31,2023*)
EKUITAS EQUITY
Modal saham - Share capital -
nilai nominal Rp50 par value Rp50
per saham pada tanggal per share as of
31 Desember 2025 dan December 31, 2025 and
2024 serta Rp500 2024 and Rp500
per saham pada tanggal per share as of
1 Januari 2024 January 1, 2024
Modal dasar - Authorized -
3.500.000.000 saham 3,500,000,000 shares
pada tanggal as of
31 Desember 2025 December 31, 2025
dan 2024 serta and 2024 and
350.000.000 saham 350,000,000 shares
pada tanggal as of
1 Januari 2024 January 1 2024
Modal ditempatkan Issued
dan disetor penuh - and fully paid -
3.000.000.000 saham 3,000,000,000 shares
pada tanggal as of
31 Desember 2025 December 31, 2025
dan 2024 serta and 2024 and
300.000.000 saham 300,000,000 shares
pada tanggal 1 Januari as of
2024 17 150.000.000.000 150.000.000.000 150.000.000.000 January 1 2024
Tambahan modal disetor 2u,18 45.489.768.820 45.489.768.820 45.489.768.820 Additional paid-in capital
Penghasilan Other comprehensive
komprehensif lain income
Pengukuran kembali Remeasurement of
liabilitas imbalan post-employment
pasca kerja 2n ( 773.175.052 ) ( 3.249.897.086 ) 865.164.077 benefits liabilities
Keuntungan yang belum Unrealized gain on
direalisasi dari changes in
perubahan nilai wajar fair value
atas surat berharga 2d 310.090.697 - - of securities
Beban keuangan Insurance finance
asuransi - neto 2k ( 7.701.530.777 ) ( 1.099.199.704 ) ( 1.453.684.295 ) expense - net
Pendapatan keuangan Reinsurance finance
reasuransi – neto 2k 3.303.846.089 ( 1.230.729.832 ) ( 972.641.145 ) income - net
Saldo laba Retained earnings
Telah ditentukan
Penggunaannya 19 24.000.000.000 23.000.000.000 22.000.000.000 Appropriated
Belum ditentukan
Penggunaannya 813.428.922.802 687.697.469.710 632.667.954.607 Unappropriated
JUMLAH EKUITAS 1.028.057.922.579 900.607.411.908 848.596.562.064 TOTAL EQUITY
JUMLAH LIABILITAS DAN TOTAL LIABILITIES AND
EKUITAS 3.121.591.205.147 2.450.751.633.345 2.354.283.223.689 EQUITY
*) Disajikan kembali, lihat Catatan 32 *)As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
3
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These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024*)
PENDAPATAN REVENUES
Pendapatan jasa asuransi 3.769.972.066.236 2k,2p,3,20,28 3.129.389.071.625 Insurance service revenues
Beban jasa asuransi ( 3.424.543.879.526 ) 2k,2p,3,20,28 ( 2.867.348.328.805 ) Insurance service expenses
Hasil jasa asuransi sebelum Insurance service results before
kontrak reasuransi milikan 345.428.186.710 262.040.742.820 reinsurance contracts held
Pendapatan reasuransi 285.460.696.166 2k,3,20 195.366.337.136 Reinsurance revenues
Beban kontrak reasuransi ( 510.340.705.588 ) 2k,2p,3,20,28 ( 452.255.247.057 ) Reinsurance contract expenses
Beban neto dari kontrak Net expenses from reinsurance
reasuransi milikan ( 224.880.009.422 ) ( 256.888.909.921 ) contracts held
Hasil jasa asuransi 120.548.177.288 5.151.832.899 Insurance service results
Hasil investasi 97.196.470.937 2l,2p,21,28 85.218.952.016 Investment income
Jumlah Pendapatan 217.744.648.225 90.370.784.915 Total Revenues
BEBAN EXPENSES
Beban usaha ( 42.126.856.446 ) 22 ( 29.578.599.179 ) Operating expenses
Beban keuangan asuransi ( 31.305.630.172 ) 23 ( 19.793.323.603 ) Insurance finance expense
Pendapatan (beban) Reinsurance finance
keuangan reasuransi ( 2.556.518.737 ) 24 10.127.144.079 income (expense)
Jumlah Beban ( 75.989.005.355 ) ( 39.244.778.703 ) Total Expenses
LABA USAHA 141.755.642.870 51.126.006.212 PROFIT FROM OPERATION
Pendapatan lain-lain - neto 26.722.770.591 25 26.042.935.137 Other income - net
LABA SEBELUM PROFIT BEFORE
PAJAK PENGHASILAN 168.478.413.461 77.168.941.349 INCOME TAX
Beban pajak penghasilan - neto ( 23.746.960.369 ) 2m,3a,26b ( 13.039.426.246 ) Income tax expenses - net
LABA TAHUN BERJALAN 144.731.453.092 64.129.515.103 PROFIT FOR THE YEAR
*) Disajikan kembali, lihat Catatan 32 *)As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
4
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These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN LABA RUGI DAN STATEMENT OF PROFIT OR LOSS AND
PENGHASILAN KOMPREHENSIF LAIN OTHER COMPREHENSIVE INCOME
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Catatan/
2025 Notes 2024*)
PENGHASILAN OTHER
KOMPREHENSIF LAIN COMPREHENSIVE INCOME
Pos yang tidak akan Item that will not be
direklasifikasi ke laba rugi: reclassified to profit or loss:
Pengukuran kembali Remeasurement of defined
liabilitas imbalan pasti 3.175.284.659 2n,3,15b ( 5.275.719.439 ) benefits liabilities
Pajak penghasilan terkait ( 698.562.625 ) 2m,3,26c 1.160.658.276 Related income tax
2.476.722.034 ( 4.115.061.163 )
Pos-pos yang akan Items that will be reclassified to
direklasifikasi ke laba rugi: profit or loss:
Beban keuangan asuransi ( 6.602.331.073 ) 2k 454.467.425 Insurance finance expense
Pajak penghasilan terkait - 2m,3,26c ( 99.982.834 ) Related income tax
( 6.602.331.073 ) 354.484.591
Pendapatan keuangan Reinsurance finance
reasuransi 4.534.575.921 2k ( 330.882.932 ) income
Pajak penghasilan terkait - 2m,3,26c 72.794.245 Related income tax
4.534.575.921 ( 258.088.687 )
Keuntungan yang belum Unrealized gain on
direalisasi dari perubahan changes in
nilai wajar atas surat fair value
berharga 310.401.098 - of securities
Pajak penghasilan terkait ( 310.401 ) 7a - Related income tax
310.090.697 -
JUMLAH PENGHASILAN TOTAL OTHER
KOMPREHENSIF LAIN, COMPREHENSIVE INCOME,
SETELAH PAJAK 719.057.579 ( 4.018.665.259 ) NET OF TAX
JUMLAH LABA TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN INCOME
BERJALAN 145.450.510.671 60.110.849.844 FOR THE YEAR
LABA PER SAHAM DASAR 48 27 21 BASIC EARNINGS PER SHARE
*) Disajikan kembali, lihat Catatan 32 *)As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
5
Page 372
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Komponen Ekuitas Lainnya/
Other Equity Component
Saldo Laba/
Retained Earnings
Keuntungan yang
Pengukuran Belum Direalisasi Pendapatan Pendapatan
Kembali Imbalan dari Perubahan Nilai (Beban) (Beban)
Pasca kerja/ Wajar atas Surat Keuangan Keuangan
Tambahan Remeasurement Berharga/ Asuransi/ Reasuransi/
Modal Disetor/ of Post- Unrealized Gain on Insurance Reinsurance Telah Ditentukan Belum Ditentukan
Catatan/ Modal Saham/ Additional employment Changes in Fair Finance Income Finance Income Penggunaannya/ Penggunaannya/ Jumlah Ekuitas/
Notes Share Capital Paid-in Capital Benefits Value of Securities (Expense) (Expense) Appropriated Unappropriated Total Equity
Saldo Balance
1 Januari 2024 as of
yang, telah January 1, 2024,
dilaporkan as
sebelumnya 150.000.000.000 45.489.768.820 865.164.077 - - - 22.000.000.000 625.389.769.909 843.744.702.806 previously reported
Dampak penyesuaian Retrospective
restrospektif atas adjustment effect on
penerapan pertama the initial adoption of
kali PSAK No. 117 - - - - ( 1.453.684.295 ) ( 972.641.145 ) - 7.278.184.698 4.851.859.258 PSAK No.117
Saldo per 1 Januari Balance as of
2024, setelah January 1, 2024,
disajikan kembali 32 150.000.000.000 45.489.768.820 865.164.077 - ( 1.453.684.295 ) ( 972.641.145 ) 22.000.000.000 632.667.954.607 848.596.562.064 as restated
Saldo laba yang telah Appropriation
ditentukan of
penggunaannya 19 - - - - - - 1.000.000.000 ( 1.000.000.000) - retained earnings
Dividen tunai 19 - - - - - - - ( 8.100.000.000) ( 8.100.000.000) Cash dividends
Laba tahun berjalan - - - - - - - 64.129.515.103 64.129.515.103 Profit for the year
Penghasilan Other comprehensive
komprehensif lain income
tahun berjalan: for the year:
Penilaian kembali Remeasurement of
imbalan pasca 2n,3, post-employment
kerja 15b - - ( 4.115.061.163) - - - - ( 4.115.061.163) benefits
6
Page 373
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Komponen Ekuitas Lainnya/
Other Equity Component
Saldo Laba/
Retained Earnings
Keuntungan yang
Pengukuran Belum Direalisasi Pendapatan Pendapatan
Kembali Imbalan dari Perubahan Nilai (Beban) (Beban)
Pasca kerja/ Wajar atas Surat Keuangan Keuangan
Tambahan Remeasurement Berharga/ Asuransi/ Reasuransi/
Modal Disetor/ of Post- Unrealized Gain on Insurance Reinsurance Telah Ditentukan Belum Ditentukan
Catatan/ Modal Saham/ Additional employment Changes in Fair Finance Income Finance Income Penggunaannya/ Penggunaannya/ Jumlah Ekuitas/
Notes Share Capital Paid-in Capital Benefits Value of Securities (Expense) (Expense) Appropriated Unappropriated Total Equity
Penghasilan Other comprehensive
komprehensif lain income
tahun berjalan: for the year:
(Lanjutan) (Continued)
Pendapatan Insurance
keuangan asuransi finance
- neto - - - - 354.484.591 - - - 354.484.591 income - net
Beban keuangan Reinsurance finance
reasuransi - neto - - - - - ( 258.088.687 ) - - ( 258.088.687) expense - net
Saldo Balance as of
31 Desember 2024 150.000.000.000 45.489.768.820 ( 3.249.897.086) - ( 1.099.199.704 ) ( 1.230.729.832 ) 23.000.000.000 687.697.469.710 900.607.411.908
December 31, 2024
Saldo laba yang telah - - Appropriation
ditentukan of
penggunaannya 19 - - - - 1.000.000.000 ( 1.000.000.000) - retained earnings
Dividen tunai 19 - - - - - - - ( 18.000.000.000) ( 18.000.000.000) Cash dividends
Laba tahun berjalan - - - - - - - 144.731.453.092 144.731.453.092 Profit for the year
Penghasilan Other comprehensive
komprehensif lain income
tahun berjalan: for the year:
Penilaian kembali Remeasurement of
imbalan pasca 2n,3, post-employment
kerja 15b - - 2.476.722.034 - - - - - 2.476.722.034 benefits
Pendapatan Insurance
keuangan asuransi - finance
- neto - - - - 4.534.575.921 - - 4.534.575.921 income - net
Beban keuangan Reinsurance finance
reasuransi - neto - - - - ( 6.602.331.073 ) - - - ( 6.602.331.073) expense - net
7
Page 374
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN PERUBAHAN EKUITAS STATEMENT OF CHANGES IN EQUITY
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
Komponen Ekuitas Lainnya/
Other Equity Component
Saldo Laba/
Retained Earnings
Keuntungan yang
Pengukuran Belum Direalisasi Pendapatan Pendapatan
Kembali Imbalan dari Perubahan Nilai (Beban) (Beban)
Pasca kerja/ Wajar atas Surat Keuangan Keuangan
Tambahan Remeasurement Berharga/ Asuransi/ Reasuransi/
Modal Disetor/ of Post- Unrealized Gain on Insurance Reinsurance Telah Ditentukan Belum Ditentukan
Catatan/ Modal Saham/ Additional employment Changes in Fair Finance Income Finance Income Penggunaannya/ Penggunaannya/ Jumlah Ekuitas/
Notes Share Capital Paid-in Capital Benefits Value of Securities (Expense) (Expense) Appropriated Unappropriated Total Equity
Penghasilan Other comprehensive
komprehensif lain income
tahun berjalan: for the year:
(Lanjutan) (Continued)
Keuntungan yang Unrealized
belum direalisasi gain on
dari perubahan nilai changes in
wajar atas surat fair value
berharga - - - 310.090.697 - - - - 310.090.697 of securities
Saldo 31 Desember Balance as of
2025 150.000.000.000 45.489.768.820 ( 773.175.052) 310.090.697 ( 7.701.530.777 ) 3.303.846.089 24.000.000.000 813.428.922.802 1.028.057.922.579 December 31, 2025
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
8
Page 375
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
LAPORAN ARUS KAS STATEMENT OF CASH FLOWS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2025 2024*)
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan premi 3.953.099.942.473 3.078.621.722.993 Premium income received
Penerimaan klaim reasuransi 224.059.252.948 302.123.421.210 Reinsurance claims received
Pembayaran beban usaha ( 24.650.280.633 ) ( 13.710.016.905) Operating expense paid
Pembayaran klaim ( 2.765.872.859.249) ( 2.395.831.153.618) Claims paid
Pembayaran premi reasuransi ( 556.953.993.700) ( 455.428.207.779) Reinsurance premiums paid
Pembayaran biaya akuisi Payment of acquisition costs
dan komisi ( 438.327.773.701) ( 393.979.628.954) and commissions
Pembayaran pajak ( 6.682.702.157) ( 17.526.090.268) Taxes paid
Penerimaan lain-lain - neto 120.681.312.033 34.076.808.428 Other receipt - net
Kas Neto Diperoleh dari Net Cash Provided by
Aktivitas Operasi 505.352.898.014 138.346.855.107 Operating Activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS INVESTASI INVESTING ACTIVITIES
Hasil penjualan dan Proceeds from sale and
pencairan investasi 2.665.734.821.321 2.324.970.598.135 redemption of investments
Penerimaan bunga 78.577.200.276 67.301.785.720 Interest income received
Penerimaan penjualan aset tetap 1.828.768.001 2.243.572.542 Proceeds from sales fixed assets
Penerimaan reksa dana 988.484.117 608.887.808 Mutual fund income received
Penerimaan sewa 257.850.162 297.284.617 Rent received
Penerimaan dividen 142.999.353 271.624.548 Dividend received
Penempatan investasi ( 3.212.047.605.125 ) ( 2.508.315.170.517) Placement of investment
Perolehan aset takberwujud ( 13.433.312.806 ) ( 16.675.092.445) Acquisition of intangible assets
Perolehan aset tetap ( 10.082.509.858) ( 7.761.693.621) Acquisition of fixed assets
Uang muka Advance payment for
pembelian aset ( 1.418.440.776 ) 2.271.244.775 purchase of assets
Kas Neto Digunakan untuk Net Cash Used in
Aktivitas Investasi ( 489.451.745.335) ( 134.786.958.438) Investing Activities
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran dividen ( 17.997.597.000 ) ( 8.108.235.000) Dividends paid
Pembayaran liabilitas sewa - ( 1.189.988.542) Payments of lease liabilities
Kas Neto Digunakan untuk Net Cash Used in
Aktivitas Pendanaan ( 17.997.597.000 ) ( 9.298.223.542) Financing Activities
PENURUNAN NETO NET DECREASE IN
KAS DAN BANK ( 2.096.444.321 ) ( 5.738.326.873) CASH ON HAND AND IN BANKS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AWAL TAHUN 15.387.497.994 21.023.141.057 AT BEGINNING OF THE YEAR
Dampak perubahan kurs mata uang asing 222.327.905 102.683.810 Effect of foreign exchange rate
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
PADA AKHIR TAHUN 13.513.381.578 15.387.497.994 AT END OF THE YEAR
*) Disajikan kembali, lihat Catatan 32 *) As restated, see Note 32
Catatan atas Laporan Keuangan merupakan bagian yang tidak Notes to the Financial Statements are an integral part of
terpisahkan dari Laporan Keuangan secara keseluruhan the Financial Statements taken as a whole
9
Page 376
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM 1. GENERAL
a. Pendirian Perusahaan a. Establishment of the Company
PT Lippo General Insurance Tbk (“Perusahaan”), PT Lippo General Insurance Tbk (“the Company”),
dahulu didirikan dengan nama PT Asuransi Brawidjaja was established under the name of PT Asuransi
berdasarkan Akta No. 1 tanggal 6 September 1963, Brawidjaja based on Deed No. 1 dated September 6,
dari Adasiah Harahap, S.H., Notaris di Jakarta. Akta 1963, of Adasiah Harahap, S.H., Notary in Jakarta. The
Pendirian tersebut telah disahkan oleh Menteri Establishment Deed has been approved by Minister of
Kehakiman Republik Indonesia dalam Surat Justice of the Republic of Indonesia in its Decision
Keputusan No. J.A.5/19/2 tanggal 4 Februari 1964 Letter No. J.A.5/19/2 dated February 4, 1964 and
dan diumumkan dalam Berita Negara Republik announced in the State Gazette of Republic Indonesia
Indonesia No. 31 tanggal 17 April 1964, Tambahan No. 31 dated April 17, 1964, Supplement No. 74. The
Berita Negara No. 74. Anggaran Dasar Perusahaan Company’s Articles of Association has been amended
telah mengalami beberapa kali perubahan, terakhir several times, most recently by Deed No. 91 dated
berdasarkan Akta Pernyataan Keputusan Rapat No. 91 August 21, 2024 by Notarial Deed of Sriwi Bawana
tanggal 21 Agustus 2024 dari Sriwi Bawana Nawaksari, Nawaksari, S.H., M.Kn., Notary in Tangerang regarding
S.H., M.Kn., Notaris di Tangerang, sehubungan splitting the nominal value of shares (stock split) from
pemecahan nominal saham (stock split) dari sebesar Rp500 per share to Rp50 per share. The Amendment
Rp500 per saham menjadi Rp50 per saham. Akta Deed has been received and registered in the Legal
Perubahan tersebut telah diterima dan dicatat di dalam Entity Administration System database of the Ministry
database Sistem Administrasi Badan Hukum of Law and Human Rights of the Republic of Indonesia
Kementerian Hukum dan Hak Asasi Manusia Republik on its Acceptance Notification of Amendment of
Indonesia dalam Surat Penerimaan Pemberitahuan Articles of Association Letter No. AHU-AH.01.03-
Perubahan Anggaran Dasar No. AHU-AH.01.03- 0187803 dated August 30, 2024.
0187803 tanggal 30 Agustus 2024.
Sesuai dengan Pasal 3 Anggaran Dasar, maksud dan According to the Article 3 of Article of Association, the
tujuan Perusahaan ialah berusaha dalam bidang purpose and objective of the Company is to engage in
Asuransi. the field of Insurance.
Perusahaan memulai kegiatan komersialnya pada The Company commenced its commercial activities in
tahun 1983. Pada tahun 2024, pemegang saham 1983. In 2024, the controlling shareholder of
pengendali Perusahaan adalah PT Hanwha Life the Company is PT Hanwha Life Insurance Indonesia
Insurance Indonesia dan pada tahun 2025 adalah and in 2025, is Hanwha General Insurance Co., Ltd.,.
Hanwha General Insurance Co., Ltd.,. Entitas terakhir The ultimate parent entity is Hanwha Corporation which
adalah Hanwha Corporation yang berkedudukan di is domiciled in South Korea (Note 17).
Korea Selatan Catatan 17.
Perusahaan berkedudukan di Jakarta Selatan, dengan The Company is located in South Jakarta and its
Kantor Pusat di Gedung Lippo Kuningan Lantai 27, Unit head office is at Lippo Kuningan Building Floor 27th,
A dan F, Jl. H.R. Rasuna Said Kav. B-12. Perusahaan Unit A and F, Jl. H.R. Rasuna Said Kav. B-12. Its
memiliki kantor cabang dan kantor pemasaran yang branches and marketing office are located in Karawaci,
berlokasi di Karawaci, Medan, Surabaya, Palembang, Medan, Surabaya, Palembang, Bandung, Semarang,
Bandung, Semarang, Solo, Pekanbaru, Cikarang, Solo, Pekanbaru, Cikarang, Makassar, Balikpapan and
Makassar, Balikpapan dan Bali. Bali.
b. Penawaran Umum Saham Perusahaan b. Initial Public Offering of the Company’s Shares
Perusahaan telah memperoleh izin usaha dari The Company obtained its operating license from the
Menteri Keuangan dengan Surat Keputusan Terakhir Minister of Finance based on its Latest Decision Letter
No. Kep-173/KM.13/1992 tanggal 17 Juni 1992. No. Kep-173/KM.13/1992 dated June 17, 1992.
Perusahaan telah mendapat persetujuan dari Menteri In 1997, the Company obtained the approval from
Keuangan Republik Indonesia - Bapepam-LK pada the Minister of Finance of Republic of Indonesia -
tahun 1997 untuk mencatatkan 51.000.000 Bapepam-LK for the initial public offering of
sahamnya dengan nilai nominal Rp500 per saham 51,000,000 shares with Rp500 par value per share
dengan harga perdana sebesar Rp2.225 pada Bursa with an offering price of Rp2,225 per share at the
Efek Indonesia. Tanggal efektif penawaran umum Indonesian Stock Exchange. The initial public offering
perdana tersebut adalah tanggal 27 Juni 1997. became effective on June 27, 1997. The shares were
Pencatatan saham tersebut dilakukan pada tanggal listed on July 22, 1997 in the Indonesia Stock
22 Juli 1997 pada Bursa Efek Indonesia. Exchange.
10
Page 377
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
b. Penawaran Umum Saham Perusahaan (Lanjutan) b. Initial Public Offering of the Company’s Shares
(Continued)
Ringkasan kegiatan Perusahaan (corporate action) The summary of Company’s corporate actions from the
sejak tanggal penawaran umum perdana saham date of its initial public offering up to December 31,
sampai dengan tanggal 31 Desember 2025, adalah 2025, are as follows:
sebagai berikut:
Nilai Nominal per
Jumlah Saham Saham
Ditempatkan dan Beredar/ (dalam Nilai Penuh)/
Tanggal/ Keterangan/ Number of Issued Par Value per Share
Date Description and Outstanding Shares (in Full Amount)
Jumlah saham sebelum penawaran perdana/
Number of shares before public offering 99.000.000 500
27 Juni 1997/ Penawaran umum perdana/
June 27, 1997 Initial public offering 51.000.000 500
Saham bonus dengan ketentuan setiap
pemegang 1 (satu) saham Perusahaan akan
3 Agustus 2022/ memperoleh 1 (satu) saham bonus/
August 3, 2022 Bonus shares which entitled each holder of
1 (one) Company share will receive 1 (one)
bonus share 150.000.000 500
Jumlah/Total 300.000.000
Melaksanakan pemecahan nilai nominal
saham Perseroan (Stock Split) dengan
17 September perbandingan 1:10, sehingga nilai nominal
2024/ setiap saham dalam Perusahaan berubah
September 17, dari Rp500 menjadi Rp50 per saham/
2024 Carrying out a stock split with a ratio of 1:10,
changing the nominal value of each share in
the Company for Rp500 to Rp50 per share 3.000.000.000 50
Pada tanggal 31 Desember 2025 dan 2024, seluruh As at December 31, 2025 and 2024, all of the
saham Perusahaan telah tercatat pada Bursa Efek Company’s shares are listed in the Indonesia Stock
Indonesia. Exchange.
c. Manajemen Kunci dan Informasi Lainnya c. Key Management and Other Information
Pada tanggal 31 Desember 2025 dan 2024, susunan As at December 31, 2025 and 2024, the members of
Dewan Komisaris dan Direksi Perusahaan adalah the Company’s Board of Commissioners and Directors
sebagai berikut: are as follows:
2025 2024
Dewan Komisaris Board of Commissioners
Presiden Komisaris Park Young Mock Kim Dongwook President Commissioner
Komisaris - Lee Jaehyun*) Commissioner
Komisaris Roberto Fernandez Feliciano Ali Chendra Commissioner
Komisaris Independen - Jamilah Mawira Sungkar*) Independent Commissioner
Komisaris Independen Hyacintus Henri Djantoko Hyacintus Henri Djantoko Independent Commissioner
Komisaris Independen Sapto Wahyu Indratno Johannes Agus Independent Commissioner
Direksi Board of Directors
Presiden Direktur Agus Benjamin Agus Benjamin President Director
Wakil Presiden Direktur Choi Hyunhee Choi Hyunhee Vice President Director
Direktur Kwon Gi Han Kwon Gi Han Director
Direktur Gilbert Deddy Naibaho Gilbert Deddy Naibaho Director
*) Efektif per tanggal 30 November 2024 telah mengundurkan diri *) Effective as of November 30, 2024 has resigned from the
dari jabatan position
11
Page 378
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
1. UMUM (Lanjutan) 1. GENERAL (Continued)
c. Manajemen Kunci dan Informasi Lainnya (Lanjutan) c. Key Management and Other Information (Continued)
Pada tanggal 31 Desember 2025 dan 2024, susunan As at December 31, 2025 and 2024, the composition
Komite Audit Perusahaan adalah sebagai berikut: of the Audit Committee of the Company are as follows:
Ketua Hyacintus Henri Djantoko Chairman
Anggota Johannes Agus Member
Anggota Mawarto Member
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the Company has
Perusahaan memiliki karyawan tetap masing-masing 385 and 359 permanent employees, respectively
sejumlah 385 dan 359 orang (tidak diaudit). (unaudited).
d. Otorisasi Laporan Keuangan d. Authorization of Financial Statements
Laporan keuangan ini telah diotorisasi untuk The financial statements have been authorized for
diterbitkan oleh Direksi Perusahaan, selaku pihak yang issue by the Board of Directors of the Company, who
bertanggung jawab atas penyusunan dan penyelesaian are responsible for the preparation and completion of
laporan keuangan pada tanggal 30 Maret 2026. the financial statements on March 30, 2026.
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
a. Kepatuhan terhadap Standar Akuntansi Keuangan a. Compliance with Financial Accounting Standards (SAK)
(SAK)
Laporan keuangan Perusahaan ini telah disusun dan These financial statements of the Company have been
disajikan sesuai dengan SAK Indonesia yang meliputi prepared and presented in accordance with Indonesian
Pernyataan Standar Akuntansi Keuangan (PSAK) dan SAK which comprises the Statement of Financial
Interpretasi Standar Akuntansi Keuangan (ISAK) yang Accounting Standards (PSAK) and Interpretation of
diterbitkan oleh Dewan Standar Akuntansi Keuangan Financial Accounting Standards (ISAK) issued by
Ikatan Akuntan Indonesia (DSAK-IAI) serta Peraturan Financial Accounting Standards Board of the Institute of
OJK No. VIII.G.7 tentang Pedoman Penyajian dan Indonesia Chartered Accountants (DSAK-IAI) and OJK
Pengungkapan Laporan Keuangan serta peraturan Regulation No. VIII.G.7 concerning the Guidelines on
regulator pasar modal yang terkait lainnya. Financial Statements Presentation and Disclosures and
the related other capital market regulation.
b. Dasar Pengukuran dan Penyusunan Laporan Keuangan b. Basis of Measurement and Preparation of Financial
Statements
Dasar pengukuran yang digunakan dalam laporan The measurement basis used in the financial
keuangan adalah biaya historis, kecuali untuk akun statements is the historical cost, except for certain
tertentu yang diukur berdasarkan pengukuran lain accounts which are measured on the bases as
sebagaimana diuraikan dalam kebijakan akuntansi described in the related accounting policies.
masing-masing akun terkait.
Laporan keuangan, kecuali untuk laporan arus kas, The financial statements, except for the statement of
disusun dengan dasar akrual. Laporan arus kas cash flows, are prepared under the accrual basis of
disusun berdasarkan metode langsung dengan accounting. The statement of cash flows is prepared
mengelompokkan arus kas ke dalam aktivitas operasi, using direct method by classifying cash flows into
investasi dan pendanaan. operating, investing and financing activities.
Mata uang penyajian yang digunakan dalam Presentation currency used in the preparation of
penyusunan laporan keuangan adalah Rupiah (Rp) yang financial statements is Rupiah (Rp) which also the
juga sekaligus merupakan mata uang fungsional functional currency of the Company.
Perusahaan.
12
Page 379
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
c. Perubahan terhadap SAK c. Changes on SAK
Standar baru, serta amendemen dan penyesuaian New standards, as well as amendments and
terhadap SAK yang mulai berlaku untuk periode improvements towards SAK that became effective for
pelaporan tahunan yang dimulai pada atau setelah annual reporting periods beginning on or after
1 Januari 2025, telah dievaluasi. Perubahan yang paling January 1, 2025, have been assessed. The change that
memiliki dampak material terhadap laporan keuangan has the most material impact on the Company’s
Perusahaan adalah penerapan pertama kali financial statements is the first adoption of
PSAK No. 117 (Catatan 32). PSAK No. 117 (Note 32).
Di samping itu, pada tanggal penerbitan laporan Moreover, as of the authorization date of the issuance
keuangan ini, terdapat pula beberapa SAK yang baru of these financial statements, there are also several
serta amendemen ataupun penyesuaian terhadap SAK new SAK, and amendments or improvements on other
lainnya yang telah diterbitkan namun belum berlaku SAK which have been issued but not yet effective. Those
efektif. Standar, interpretasi, amendemen ataupun standards, interpretations, amendments or
penyesuaian tersebut akan berlaku efektif untuk tahun improvements shall be effective for the annual reporting
buku yang dimulai pada atau setelah: period beginning on or after:
1 Januari 2026 January 1, 2026
• Amendemen PSAK No. 109 tentang “Instrumen • Amendments to PSAK No. 109 on “Financial
Keuangan” dan PSAK No. 107 tentang “Instrumen Instruments” and PSAK No. 107 on “Financial
Keuangan: Pengungkapan” tentang “Klasifikasi dan Instruments: Disclosure” on “Classification and
Pengukuran Instrumen Keuangan”;dan Measurement of Financial Instruments”;and
• PSAK No. 338 (Revisi 2025) tentang “Kombinasi • PSAK No. 338 (Revised 2025) on “Business
Bisnis Entitas Sepengendali”. Combinations of Entities Under Common Control”.
1 Januari 2027 January 1, 2027
• PSAK No. 118 tentang “Penyajian dan Pengungkapan • PSAK No. 118 on “Presentation and Disclosure in
dalam Laporan Keuangan”; dan Financial Statements”; and
• PSAK No. 119 tentang “Entitas Anak Tanpa • PSAK No. 119 on “Subsidiaries without Public
Akuntabilitas Publik: Pengungkapan”. Accountability: Disclosure”.
• Amendemen PSAK No. 119 tentang “Entitas Anak • Amendment to PSAK No. 119 on “Subsidiaries
Tanpa Akuntabilitas Publik: Pengungkapan”. without Public Accountability: Disclosure”.
Penerapan dini untuk standar, interpretasi, Early adoption of the above new standards,
amendemen ataupun penyesuaian terhadap SAK di interpretations, and amendments or improvements to
atas diperkenankan. SAK are permitted.
Manajemen masih mengevaluasi penerapan dari Management is still evaluating the adoption of the
standar, interpretasi, dan amendemen ataupun above standards, interpretations, and amendments or
penyesuaian tersebut dan belum dapat menentukan improvements and unable to determine the impact that
dampak yang mungkin timbul terhadap pelaporan might arise toward the financial reporting of the
keuangan Perusahaan secara keseluruhan. Company as a whole.
d. Instrumen Keuangan d. Financial Instruments
Perusahaan mengakui aset dan liabilitas keuangan The Company recognizes financial assets and liabilities
dalam laporan posisi keuangan ketika menjadi salah in the statement of financial position when it becomes
satu pihak dalam ketentuan kontraktual instrumen a party to the contractual terms of the instrument
tersebut.
Aset Keuangan Financial Assets
Klasifikasi, Pengakuan dan Pengukuran Classification, Recognition and Measurement
Klasifikasi dan pengukuran aset keuangan didasarkan Classification and measurement of financial assets are
pada model bisnis dan arus kas kontraktual. based on a business model and contractual cash
Perusahaan menilai apakah arus kas aset keuangan flows. The Company assesses whether the financial
tersebut semata-mata dari pembayaran pokok dan instruments cash flows represent solely payments of
bunga (“SPPB”). Aset keuangan diklasifikasikan dalam principal and interest (“SPPI”). Financial assets are
tiga kategori sebagai berikut: classified into the three categories as follows:
13
Page 380
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Klasifikasi, Pengakuan dan Pengukuran (Lanjutan) Classification, Recognition and Measurement
(Continued)
- Aset keuangan yang diukur dengan biaya - Financial assets at amortized cost;
diamortisasi;
- Aset keuangan yang diukur dengan nilai wajar melalui - Financial assets at fair value through profit or loss
laba rugi (“FVPL”); dan (“FVPL”); and
- Aset keuangan yang diukur dengan nilai wajar melalui - Financial assets at fair value through other
penghasilan komprehensif lain (“FVOCI”). comprehensive income (“FVOCI”).
Perusahaan menentukan klasifikasi aset keuangan The Company determines the classification of its
tersebut pada pengakuan awal dan tidak bisa financial assets at initial recognition and cannot change
melakukan perubahan setelah penerapan awal the classification already made at initial adoption.
tersebut.
Aset Keuangan Diukur pada Biaya Perolehan Financial Assets at Amortized Cost
Diamortisasi
Klasifikasi ini berlaku untuk instrumen utang yang This classification applies to debt instruments which are
dikelola dalam model bisnis yang dimiliki untuk held under a hold to collect business model and which
mendapatkan arus kas dan memiliki arus kas yang have cash flows that meet the SPPI criteria.
memenuhi kriteria SPPB.
Aset keuangan yang diukur pada biaya perolehan Financial assets at amortized cost are subsequently
diamortisasi selanjutnya diukur dengan menggunakan measured using the effective interest (“EIR”) method
metode suku bunga efektif (“SBE”) dan menjadi subjek and are subject to impairment. Gains and losses
penurunan nilai. Keuntungan dan kerugian diakui are recognized in profit or loss when the asset is
dalam laba rugi pada saat aset dihentikan derecognized, modified or impaired.
pengakuannya, dimodifikasi atau diturunkan nilainya.
Aset keuangan Perusahaan yang diukur pada biaya The Company’s financial assets at amortized cost
perolehan diamortisasi termasuk kas dan bank, piutang includes cash on hand and in banks, other receivables -
lain-lain - neto, investasi dalam deposito berjangka dan net, investments in the form of time deposits and bonds,
obligasi, dan aset lain-lain - uang jaminan. and other assets - refundable deposits.
Aset Keuangan yang Diukur pada FVPL Financial Assets at FVPL
Klasifikasi ini berlaku untuk aset keuangan berikut. The classification applies to the following financial
Dalam semua kasus, biaya transaksi dibebankan pada assets. In all cases, transaction costs are immediately
laba rugi. expensed to profit or loss.
- Instrumen utang yang tidak memiliki kriteria biaya - Debt instruments that do not meet the criteria of
perolehan diamortisasi atau FVOCI. Keuntungan atau amortized cost or FVOCI. Subsequent fair value gains
kerugian nilai wajar selanjutnya akan dicatat pada or losses are taken to profit or loss.
laba rugi.
- Investasi ekuitas yang dimiliki untuk diperdagangkan - Equity investments which are held for trading or
atau di mana pilihan penghasilan komprehensif lain where the fair value through other comprehensive
tidak berlaku. Keuntungan atau kerugian nilai wajar income election has not been applied. All fair value
dan penghasilan dividen terkait diakui pada laba rugi. gains or losses and related dividend income are
recognized in profit or loss.
- Derivatif yang bukan merupakan instrumen lindung - Derivatives which are not designated as a hedging
nilai. Keuntungan atau kerugian nilai wajar instrument. All subsequent fair value gains or losses
selanjutnya diakui pada laba rugi. Aset keuangan are recognized in profit or loss. Financial assets with
dengan derivatif melekat dipertimbangkan secara embedded derivatives are considered in their entirety
keseluruhan saat menentukan apakah arus kasnya when determining whether their cash flows are solely
semata-mata merupakan pembayaran pokok dan payment of principal and interest.
bunga.
14
Page 381
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Klasifikasi, Pengakuan dan Pengukuran (Lanjutan) Classification, Recognition and Measurement
(Continued)
Aset Keuangan yang Diukur pada FVPL (Lanjutan) Financial Assets at FVPL (Continued)
Aset keuangan Perusahaan yang diukur pada FVPL The Company’s financial assets at FVPL includes
termasuk investasi dalam reksa dana dan properti investments in the form of mutual funds and investment
investasi. properties.
Aset Keuangan yang Diukur pada FVOCI Financial Assets at FVOCI
Klasifikasi ini berlaku untuk aset keuangan berikut ini: This classification applies to the following financial
assets:
- Instrumen utang yang dikelola dengan model bisnis - Debt instruments that are held under a business
yang bertujuan untuk memiliki aset keuangan dalam model where they are held for collection of
rangka mendapatkan arus kas kontraktual dan contractual cash flows and also for sale (“collect and
menjual (“tagih dan jual”) dan di mana arus kasnya sell”) and which have cash flows that meet the SPPI
memenuhi kriteria SPPB. Perubahan nilai wajar aset criteria. All movements in the fair value of these
keuangan ini dicatat pada penghasilan komprehensif financial assets are taken through other
lain, kecuali pengakuan keuntungan atau kerugian comprehensive income, except for the recognition of
penurunan nilai, pendapatan bunga (termasuk biaya impairment gains or losses, interest revenue
transaksi menggunakan metode suku bunga efektif), (including transaction costs by applying the effective
keuntungan atau kerugian yang timbul dari interest method), gains or losses arising on
penghentian dan keuntungan dan kerugian dari derecognition and foreign exchange gains and losses
selisih kurs diakui pada laba rugi. Ketika aset which are recognized in profit or loss. When the
keuangan dihentikan, keuntungan atau kerugian financial asset is derecognized, the cumulative fair
nilai wajar kumulatif yang sebelumnya diakui pada value gains or losses previously recognized in other
penghasilan komprehensif lain direklasifikasi pada comprehensive income is reclassified to profit or loss.
laba rugi.
- Investasi ekuitas di mana Perusahaan telah memilih - Equity investments where the Company has
secara tak terbatalkan untuk menyajikan keuntungan irrevocably elected to present fair value gains and
dan kerugian nilai wajar dari revaluasi pada losses on revaluation in other comprehensive income.
penghasilan komprehensif lain. Pilihan dapat The election can be made for each individual
didasarkan pada investasi individu, namun, tidak investment; however, it is not applicable to equity
berlaku pada investasi ekuitas yang dimiliki untuk investments held for trading. Fair value gains or
diperdagangkan. Keuntungan atau kerugian nilai losses on revaluation of such equity investments,
wajar dari revaluasi investasi ekuitas, termasuk including any foreign exchange component, are
komponen selisih kurs, diakui pada penghasilan recognized in other comprehensive income. When the
komprehensif lain. Ketika investasi ekuitas equity investment is derecognized, there is no
dihentikan pengakuannya, keuntungan atau kerugian reclassification of fair value gains or losses previously
nilai wajar yang sebelumnya diakui dalam recognized in other comprehensive income to profit or
penghasilan komprehensif lain tidak direklasifikasi loss. Dividends are recognized in profit or loss when
pada laba rugi. Dividen diakui dalam laba rugi ketika the right to receive payment is established.
hak untuk menerima pembayaran telah ditetapkan.
Aset keuangan Perusahaan yang diukur pada FVOCI The Company’s financial assets at FVOCI with
tanpa reklasifikasi keuntungan dan kerugian kumulatif no recycling of cumulative gains and losses
setelah pelepasan (instrumen ekuitas) termasuk upon derecognition (equity instruments) includes
investasi dalam obligasi. investments in the form of bonds.
Penghentian Pengakuan Derecognition
- Hak untuk menerima arus kas dari aset telah - The rights to receive cash flows from the assets have
berakhir; atau expired; or
15
Page 382
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Klasifikasi, Pengakuan dan Pengukuran (Lanjutan) Classification, Recognition and Measurement
(Continued)
Aset Keuangan yang Diukur pada FVOCI (Lanjutan) Financial Assets at FVOCI (Continued)
- Perusahaan telah mengalihkan haknya untuk - The Company has transferred its rights to receive
menerima arus kas dari aset atau menanggung cash flows from the asset or has assumed an
kewajiban untuk membayar arus kas yang diterima obligation to pay the received cash flows in full
tersebut secara penuh tanpa penundaan yang without material delay to a third party under a ‘pass-
material kepada pihak ketiga berdasarkan through’ arrangement; and either (a) the Company
kesepakatan ‘pass-through’; dan salah satu dari has transferred substantially all the risks and rewards
(a) Perusahaan telah mengalihkan secara substansial of the asset, or (b) the Company has neither
seluruh risiko dan manfaat atas aset, atau transferred nor retained substantially all
(b) Perusahaan tidak mengalihkan maupun tidak the risks and rewards of the asset, but has transferred
memiliki secara substansial atas seluruh risiko dan control of the asset.
manfaat atas aset, tetapi telah mengalihkan kendali
atas aset.
Penurunan Nilai Impairment
Perusahaan mengakui penyisihan kerugian kredit The Company recognizes an allowance for estimated
ekspektasian (KKE) untuk semua instrumen utang yang credit losses (ECL) for all debt instruments not held at
bukan diukur pada nilai wajar melalui laba rugi dan fair value through profit or loss and financial guarantee
kontrak jaminan keuangan, jika ada. KKE ditentukan contracts, if any. ECLs are based on the difference
atas perbedaan antara arus kas kontraktual menurut between the contractual cash flows due in accordance
kontrak dan semua arus kas yang diharapkan akan with the contract and all the cash flows that the
diterima oleh Perusahaan, yang didiskontokan dengan Company expects to receive, discounted at an
perkiraan suku bunga efektif orisinal. Arus kas yang approximation of the original effective interest rate. The
diharapkan mencakup setiap arus kas dari penjualan expected cash flows include any cash flows from the
agunan yang dimiliki atau perbaikan kredit lainnya yang sale of collateral held or other credit enhancements that
merupakan bagian yang tidak terpisahkan dalam are integral to the contractual terms.
ketentuan kontrak.
KKE diakui dalam dua tahap. Bila belum terdapat ECLs are recognized in two stages. When there have
peningkatan risiko kredit signifikan sejak pengakuan been significant increases in credit risks since initial
awal, KKE diakui untuk kerugian kredit yang dihasilkan recognition, ECLs are provided for credit losses that
dari peristiwa gagal bayar yang mungkin terjadi dalam result from default events that are possible within the
jangka waktu 12 bulan ke depan (KKE 12 bulan). next 12-month (a 12-month ECL). But, when there have
Namun, bila telah terdapat peningkatan signifikan risiko been significant increases in credit risks since initial
kredit sejak pengakuan awal, penyisihan kerugian recognition, a loss allowance is recognized for credit
diakui untuk kerugian kredit yang diperkirakan selama losses expected over the remaining life of the asset,
sisa umur aset, tanpa mempertimbangkan waktu gagal irrespective of timing of the default (a lifetime ECL).
bayar (KKE sepanjang umurnya).
Karena piutang lain-lain - neto tidak memiliki komponen Because its other receivables - net do not contain
pembiayaan signifikan, Perusahaan menerapkan significant financing component, the Company applies
pendekatan yang disederhanakan dalam perhitungan a simplified approach in calculating ECL. Therefore, the
KKE. Oleh karena itu, Perusahaan tidak menelusuri Company does not track changes in credit risk, but
perubahan dalam risiko kredit, namun justru mengakui instead recognizes a loss allowance based on lifetime
penyisihan kerugian berdasarkan KKE sepanjang ECL at each reporting date. The Company established a
umurnya pada setiap tanggal pelaporan. Perusahaan provision matrix that is based on its historical credit loss
membentuk matriks provisi berdasarkan pengalaman experience, adjusted for forward-looking factors specific
kerugian kredit masa lampau, disesuaikan dengan to the debtors and the economic environment.
perkiraan masa depan (forward-looking) atas faktor
yang spesifik untuk debitur dan lingkungan ekonomi.
16
Page 383
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Aset Keuangan (Lanjutan) Financial Assets (Continued)
Klasifikasi, Pengakuan dan Pengukuran (Lanjutan) Classification, Recognition and Measurement
(Continued)
Penurunan Nilai (Lanjutan) Impairment (Continued)
Untuk instrumen utang pada FVOCI, Perusahaan For debt instruments measured at FVOCI, the Company
menerapkan risiko kredit rendah yang disederhanakan. applies the low credit risk simplification. At every
Setiap tanggal pelaporan, Perusahaan mengevaluasi reporting date, the Company evaluates whether the
apakah instrumen utang tersebut dianggap memiliki debt instrument is considered to have low credit risk
risiko kredit rendah dengan menggunakan semua using all reasonable and supportable information that is
informasi yang wajar dan terdukung yang tersedia tanpa available without undue cost or effort. In making that
biaya atau usaha yang berlebihan. Dalam melakukan evaluation, the Company reassesses the internal credit
evaluasi tersebut, Perusahaan menilai kembali rating of the debt instrument. In addition, the Company
peringkat kredit internal dari instrumen utang tersebut. considers that there has been a significant increase in
Perusahaan menilai kembali peringkat kredit internal credit risk when contractual payments are more than
dari instrumen utang tersebut. Selain itu, Perusahaan 120 days past due.
mempertimbangkan bahwa telah terjadi peningkatan
risiko kredit secara signifikan ketika pembayaran
kontraktual lebih dari 120 hari dari tanggal jatuh tempo.
Instrumen utang Perusahaan pada nilai wajar melalui The Company’s debt instruments measured at fair value
penghasilan komprehensif lain hanya terdiri dari through other comprehensive income comprise solely of
obligasi kuotasi yang dinilai dalam kategori investasi quoted bonds that are graded in the top investment
teratas (Sangat Baik dan Baik), oleh karena itu, category (Very Good and Good), therefore are
dianggap sebagai investasi dengan risiko kredit rendah. considered to be low credit risk investments. It is the
Merupakan kebijakan Perusahaan untuk mengukur Company’s policy to measure ECLs on such instruments
KKE pada instrumen tersebut setiap 12 bulan. Namun, on a 12-month basis. However, when there has been a
jika terjadi peningkatan risiko kredit secara signifikan significant increase in credit risk since origination, the
sejak diterbitkan, penyisihan akan didasarkan pada allowance will be based on the lifetime ECL. The
KKE sepanjang umurnya Perusahaan menggunakan Company uses the ratings form Pefindo, Fitch and
peringkat dari Pefindo, Fitch dan Moody’s baik untuk Moody’s both to determine whether the debt
menentukan apakah instrumen utang telah meningkat instruments has significantly increased in credit risk the
secara signifikan dalam risiko kredit dan untuk debt instrument has significantly increased in credit risk
mengestimasi KKE. and to estimate ECLs.
Cadangan kerugian penurunan nilai secara individual Allowance for impairment losses on impaired financial
dihitung dengan menggunakan metode diskonto arus assets that was assessed individually is computed using
kas (discounted cash flows). Sedangkan cadangan discounted cash flows method. While allowance for
kerugian penurunan nilai secara kolektif dihitung impairment losses on impaired financial assets that was
dengan menggunakan metode statistik dari data assessed collectively, the Company uses statistical
historis dengan berupa Probability of Default di masa method of the historical data such as the Probability of
lalu, waktu pengembalian dari jumlah kerugian Defaults, time of recoveries, the amount of loss incurred
yang terjadi (Loss Given Default) yang selanjutnya (Loss Given Default), considering management’s
disesuaikan lagi dengan pertimbangan manajemen judgment of current economic and credit conditions.
terkait kondisi ekonomi dan kredit saat ini.
Perusahaan menganggap aset keuangan dalam gagal The Company considers a financial asset in default
bayar ketika pembayaran kontraktual telah lewat 120 when contractual payment are 120 days past due.
hari dari hari tanggal jatuh tempo. Namun dalam kasus However, in certain cases the Company may also
tertentu, Perusahaan juga dapat mempertimbangkan consider a financial asset to be in default when internal
aset keuangan menjadi gagal bayar ketika informasi or external information indicates that the Company is
internal atau eksternal menunjukkan bahwa besar unlikely to receive the outstanding contractual amounts
kemungkinan Perusahaan tidak menerima jumlah in full before taking into account any credit
kontraktual terutang secara penuh sebelum enhancements held by the Company. A financial asset
memperhitungkan perbaikan kredit yang dimiliki oleh is written-off when there is no reasonable expectation of
Perusahaan. Aset keuangan dihapuskan jika tidak recovering the contractual cash flows.
terdapat ekspektasi yang wajar untuk memulihkan arus
kas kontraktual.
17
Page 384
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Liabilitas Keuangan Financial Liabilities
Perusahaan dalam mengklasifikasikan liabilitas The Company classifies its financial liabilities as:
keuangannya sebagai: (i) liabilitas keuangan pada FVPL, (i) financial liabilities at FVPL, and (ii) financial liabilities
dan (ii) liabilitas keuangan yang diukur pada biaya measured at amortized cost.
perolehan diamortisasi.
Pada saat pengakuan awal, seluruh liabilitas keuangan At initial recognition, all financial liabilities are
diukur sebesar nilai wajar dikurangi biaya transaksi measured at fair value less direct attributable
yang dapat diatribusikan langsung. Setelah pengakuan transaction costs. After initial recognition, financial
awal, liabilitas keuangan diukur pada biaya perolehan liabilities are measured at amortized cost using the
diamortisasi dengan menggunakan metode bunga effective interest method.
efektif.
Liabilitas keuangan yang dimiliki Perusahaan meliputi The Company’s financial other payables and employee
utang lain-lain dan liabilitas imbalan kerja karyawan benefit liabilities are classified as financial liabilities at
diklasifikasikan sebagai liabilitas keuangan yang diukur amortized cost.
dengan biaya diamortisasi.
Biaya perolehan diamortisasi dengan mendiskontokan Cost is amortized by discounting the value of the liability
nilai liabilitas menggunakan suku bunga efektif, using the effective interest rate unless the impact of the
kecuali dampak dari pendiskontoan tidak signifikan. discount is insignificant. The effective interest rate is the
Suku bunga efektif adalah tingkat diskonto yang discount rate that generates future cash flows from the
menghasilkan arus kas di masa datang dari nilai carrying amount, upon initial recognition. The interest
tercatat, saat pengakuan awal. Dampak bunga dari effect of applying the effective interest method is
penerapan metode suku bunga efektif diakui dalam recognized in profit or loss.
laba rugi.
Saling Hapus dari Instrumen Keuangan Offsetting of Financial Instruments
Aset keuangan dan liabilitas keuangan saling hapus dan Financial assets and liabilities are offset and the net
jumlah netonya dilaporkan pada laporan posisi amount is reported in the statement of financial position
keuangan ketika terdapat hak yang berkekuatan hukum when there is legally enforceable right to offset the
untuk saling hapus atas jumlah yang telah diakui recognized amount and there is an intention to settle on
tersebut dan adanya niat untuk menyelesaikan secara a net basis or realize the asset and settle the liability
neto, atau untuk merealisasikan aset dan simultaneously. The legally enforceable right must not
menyelesaikan liabilitas secara bersamaan. Hak saling to be contingent on future events and must be
hapus tidak kontinjen atas peristiwa di masa depan dan enforceable in the normal course of business and in the
dapat dipaksakan secara hukum dalam situasi bisnis event of default in solvency or bankruptcy of the
yang normal dalam peristiwa gagal bayar, atau peristiwa Company or the counterparty.
kepailitan atau kebangkrutan Perusahaan atau pihak
lawan.
Nilai Wajar dari Instrumen Keuangan Fair Value of Financial Instruments
Perusahaan menerapkan PSAK No. 113 tentang The Company adopted PSAK No. 113 on “Fair value
“Pengukuran Nilai Wajar”, dalam PSAK ini nilai wajar Measurement”, according to this PSAK, fair value is the
adalah harga yang akan dibayar untuk mengalihkan price that would be received to sell an asset or paid to
suatu liabilitas dalam transaksi teratur antara pelaku transfer a liability in an orderly transaction between
pasar pada tanggal pengukuran. Pengukuran nilai wajar market participants at the measurement date. The fair
mengasumsikan bahwa transaksi untuk menjual aset value measurement is based on the presumption that
atau mengalihkan liabilitas terjadi: the transaction to sell the asset or transfer the liability
takes the place either:
- Di pasar utama untuk aset dan liabilitas tersebut; - In the principal market for the asset or liability; or
atau
- Jika tidak terdapat pasar utama di pasar yang paling - In the absence of a principal market, in the most
menguntungkan untuk aset atau liabilitas tersebut. advantageous market for the asset or liability.
18
Page 385
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
d. Instrumen Keuangan (Lanjutan) d. Financial Instruments (Continued)
Nilai Wajar dari Instrumen Keuangan (Lanjutan) Fair Value of Financial Instruments (Continued)
Perusahaan harus memiliki akses ke pasar utama atau The principal or the most advantageous market must be
pasar paling menguntungkan. accessible to by the Company.
Nilai wajar aset atau liabilitas diukur menggunakan The fair value an asset or liability is measured using the
asumsi yang digunakan pelaku pasar ketika assumptions that market participants would use when
menentukan harga aset atau liabilitas tersebut, dengan pricing the asset or liability, assuming that market
asumsi bahwa pelaku pasar bertindak dalam participants act in their economic best interest.
kepentingan ekonomi terbaiknya.
Pengukuran nilai wajar atas aset nonkeuangan A fair value measurement of a non-financial asset takes
mempertimbangkan kemampuan pelaku pasar dalam into account a market participant’s ability to generate
menghasilkan keuntungan ekonomi dengan economic benefits by using the asset in its highest and
penggunaan aset pada kemampuan tertinggi dan best use or by selling it to another market participant
terbaik aset atau dengan menjualnya ke pelaku pasar that would use the asset in its highest and best use.
yang lain yang akan menggunakan aset di kemampuan
tertinggi dan terbaik.
Perusahaan menggunakan teknik penilaian yang tepat The Company uses evaluation techniques that are
sesuai keadaan di mana tersedia kecukupan data untuk appropriate in the circumstances and which sufficient
mengukur nilai wajar, memaksimalkan penggunaan data are available to measure fair value, maximizing the
input yang dapat diobservasi yang relevan dan use of relevant observable inputs and minimizing the
meminimalkan penggunaan input yang tidak dapat use of unobservable inputs.
diobservasi.
Semua aset dan liabilitas di mana nilai wajar diukur All assets and liabilities for which fair value is measured
atau diungkapkan dalam laporan keuangan dapat for disclosed in the financial statements are categorized
dikategorikan pada level hierarki nilai wajar, within the fair value hierarchy, described as follows,
berdasarkan tingkatan input terendah yang signifikan based on the lowest level input that is significant to the
atas pengukuran nilai wajar secara keseluruhan: fair value measurement as a whole:
- Tingkat 1 - Harga kuotasian (tanpa penyesuaian) - Level 1 - Quoted (unadjusted) market prices in
di pasar aktif untuk aset atau liabilitas yang identik. active markets for identical assets or liabilities.
- Tingkat 2 - Input selain harga yang dikutip dari pasar - Level 2 - Input other than quoted prices included
yang disertakan pada tingkat 1 yang dapat within level 1 that are observable for the assets and
diobservasi untuk aset dan liabilitas, baik secara liabilities, either directly (that is, as a price) or
langsung (yaitu sebagai harga) atau secara tidak indirectly (derived from price).
langsung (sebagai turunan dari harga).
- Tingkat 3 - Input untuk aset atau liabilitas yang tidak - Level 3 - Input for the assets or liabilities that
didasarkan pada data pasar yang dapat diobservasi are not based on observable market data
(informasi yang tidak dapat diobservasi). (unobservable inputs).
Untuk aset dan liabilitas yang diakui pada laporan For assets and liabilities that are recognized in the
keuangan secara berulang, Perusahaan menentukan financial statements on a recurring basis, the Company
apakah terjadi transfer antara tingkat di dalam hierarki determines whether transfers have occurred between
dengan cara mengevaluasi kategori (berdasarkan input level in the hierarchy by reassessing categorization
level terendah yang signifikan dalam pengukuran nilai (based in the lowest level input that is significant to the
wajar) setiap akhir periode pelaporan. fair value measurement as a whole) at the end of each
reporting period.
Untuk tujuan pengungkapan nilai wajar, Perusahaan For the purpose of fair value disclosures, the Company
telah menentukan kelas aset dan liabilitas berdasarkan has determined classes of assets and liabilities on the
sifat, karakteristik, dan risiko aset atau liabilitas, dan basis of the nature, characteristics and risks of the
level hierarki nilai wajar seperti dijelaskan di atas. asset or liability and the level of the fair value hierarchy
as explained before.
19
Page 386
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
e. Kas dan Bank e. Cash on Hand and in Banks
Untuk tujuan penyajian arus kas, kas dan bank terdiri For the purpose of presenting cash flows, cash on hand
dari kas dan bank yang tidak dijaminkan serta tidak and in banks consist of cash on hand and in banks
dibatasi penggunaannya. which are not used as collateral and are not restricted
for use.
f. Properti Investasi f. Investment Properties
Properti investasi dicatat sebesar nilai wajarnya, yang Investment properties are carried at fair value,
mencerminkan nilai pasar yang ditentukan setiap tahun representing open market value determined annually by
oleh penilai independen. Nilai wajar didasarkan pada external valuers. Fair value is based on active market
harga pasar aktif, yang apabila diperlukan dilakukan prices, adjusted, if necessary, for any difference in
penyesuaian atas perbedaan sifat, lokasi atau kondisi the nature, location or condition of the specific asset. If
dari investasi tersebut. Jika informasi tidak tersedia, the information is not available, the Company uses
Perusahaan menggunakan metode penilaian alternatif alternative valuation methods such as recent prices on
seperti harga pasar terkini atau proyeksi arus kas. less active markets or discounted cash flows
Penilaian ini ditinjau ulang setiap tahun oleh penilai projections. These valuations are reviewed annually by
independen. Perubahan dalam nilai wajar dicatat dalam independent appraiser. Changes in fair values are
laporan laba rugi sebagai bagian dari hasil investasi. recorded in the statement of profit or loss as part of
investment income.
Properti investasi Perusahaan terdiri merupakan tanah Investment properties of the Company is land and
dan bangunan, yang dikuasai Perusahaan untuk buildings held by the Company or for capital
kenaikan nilai atau kedua-duanya, dan tidak untuk appreciation or both, rather than use in the production
digunakan dalam produksi atau penyediaan barang or supply of goods or services or for administrative
atau jasa untuk tujuan administratif atau dijual dalam purposes or sale in the ordinary course of business.
kegiatan usaha sehari-hari.
Properti investasi dihentikan pengakuannya pada saat Investment properties should be derecognized upon
pelepasan atau ketika properti investasi tersebut tidak disposal or when investment properties is permanently
digunakan lagi secara permanen dan tidak memiliki withdrawn from use and no future economic benefits
manfaat ekonomik di masa depan yang dapat are expected from its disposal. Gain or losses arising
diharapkan pada saat pelepasannya. Laba atau rugi from the retirement or disposal of an investment
yang timbul dari penghentian atau pelepasan properti properties is credited or charged to profit or loss in the
investasi diakui dalam laba rugi dalam tahun terjadinya year the asset is derecognized.
penghentian atau pelepasan tersebut.
Transfer properti investasi dilakukan jika, dan hanya Transfer to investment properties should be made
jika, terdapat perubahan penggunaan yang ditunjukkan when, and only when, there is a change in use
dengan berakhirnya pemakaian oleh pemilik, evidenced by the end of owner-occupation,
dimulainya sewa operasi ke pihak lain atau selesainya commencement of an operating lease to another party
pembangunan atau pengembangan. Transfer dari or end of construction development. Transfers from
properti investasi dilakukan jika, dan hanya jika, investment properties should be made when, and
terdapat perubahan penggunaan yang ditunjukkan only when, there is a change in use evidenced
dengan dimulainya penggunaan oleh pemilik atau by the commencement of owner-occupation or
dimulainya pengembangan untuk dijual. commencement of development with a view to sale.
Untuk transfer dari properti investasi ke properti yang For a transfer from investment properties to owner-
digunakan sendiri, Perusahaan menggunakan metode occupied property, the Company uses the cost method
biaya pada tanggal perubahan penggunaan. Jika at the date of change in use. If an owner-occupied
properti yang digunakan sendiri oleh Perusahaan property becomes an investment property, the Company
menjadi properti investasi, Perusahaan mencatat shall record the investment property in accordance with
properti tersebut sesuai dengan kebijakan aset the fixed assets policies up to the date of change in use.
tetap sampai dengan saat tanggal perubahan
penggunaannya.
g. Uang Muka dan Biaya Dibayar di Muka g. Advances and Prepaid Expenses
Uang muka merupakan pembayaran di awal yang Advances are initial payments made by Company’s
dilakukan manajemen Perusahaan bertujuan management to support the Company activities.
menunjang kegiatan Perusahaan.
20
Page 387
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
g. Uang Muka dan Biaya Dibayar di Muka (Lanjutan) g. Advances and Prepaid Expenses (Continued)
Biaya dibayar di muka diamortisasi selama masa Prepaid expenses are amortized over their beneficial
manfaatnya dengan menggunakan metode garis lurus. periods using the straight-line method.
h. Sewa h. Leases
Perusahaan menerapkan PSAK No. 116 tentang The Company has adopted PSAK No. 116 on “Lease”,
“Sewa”, yang mensyaratkan pengakuan aset hak-guna which sets the requirement for recognition of right-of-
dan liabilitas sewa sehubungan dengan sewa yang use assets and lease liabilities in relation to leases
sebelumnya diklasifikasikan sebagai “sewa operasi”. which had previously been classified as “operating
leases”.
Pada tanggal permulaan kontrak, Perusahaan menilai At the inception of a contract, the Company assesses
apakah kontak merupakan, atau mengandung sewa. whether the contract is, or contain, a lease.
Suatu kontrak merupakan atau mengandung sewa A contract is or contain a lease if the contract conveys
jika kontrak tersebut memberikan hak untuk the right to control the use of an identified asset
mengendalikan penggunaan aset identifikasian selama for a period of time in exchange for consideration.
jangka waktu untuk dipertukarkan dengan imbalan. To assess whether a contract conveys the right
Untuk menilai apakah kontrak memberikan hak to control the use of an identified asset, the Company
untuk mengendalikan penggunaan aset identifikasian, considers whether:
Perusahaan mempertimbangkan apakah:
- Kontrak melibatkan penggunaan aset yang - The contract involves the use of an identified asset;
teridentifikasi;
- Perusahaan memiliki hak untuk memperoleh secara - The Company has the right to obtain substantially
substansial seluruh manfaat ekonomik dari all of the economic benefits from use of the asset
penggunaan aset selama periode penggunaan; dan throughout the period of use; and
- Perusahaan memiliki hak untuk mengendalikan - The Company has the right to direct the use of the
penggunaan aset. asset.
Pada tanggal dimulainya kontrak atau pada saat At the inception or on reassessment of a contract that
penilaian kembali kontrak yang mengandung sewa, contains a lease component, the Company allocates the
Perusahaan mengalokasikan imbalan dalam kontrak consideration in the contract to each lease component
untuk setiap unsur sewa berdasarkan harga relatif dari on the basis of their relative stand-alone prices.
unsur sewa.
Pada tanggal permulaan sewa, Perusahaan mengakui The Company recognizes a right-of-use asset and a
aset hak-guna dan liabilitas sewa. Aset hak-guna diukur lease liability at the lease commencement date. The
pada biaya perolehan, di mana meliputi jumlah right-of-use asset is initially measured at cost, which
pengukuran awal liabilitas sewa yang disesuaikan comprises the initial amount of the lease liability
dengan pembayaran sewa yang dilakukan pada atau adjusted for any lease payment made at or before the
sebelum tanggal permulaan, ditambah dengan biaya commencement date, plus any initial direct cost
langsung awal yang dikeluarkan dan estimasi biaya incurred and an estimate of costs to dismantle and
yang akan dikeluarkan untuk membongkar dan remove the underlying asset or to restore the underlying
memindahkan aset pendasar atau untuk merestorasi asset to the condition required by the terms and
aset pendasar ke kondisi yang disyaratkan dan conditions of the lease, less any lease incentives
ketentuan sewa, dikurangi dengan insentif sewa yang received.
diterima.
Aset hak-guna kemudian disusutkan menggunakan The right-of-use asset is subsequently depreciated using
metode garis lurus dari tanggal permulaan hingga the straight-line method from the commencement date
tanggal yang lebih awal antara akhir umur manfaat aset to the earlier of the end of the useful life of the right-of-
hak-guna atau akhir masa sewa. Selain itu, aset hak- use asset or the end of the lease term. In addition, the
guna secara berkala dinilai untuk penurunan nilai dan right-of use asset is periodically reduced by impairment
disesuaikan atas pengukuran kembali dari liabilitas losses, if any, and adjusted for certain remeasurements
sewa. of the lease liability.
21
Page 388
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
h. Sewa (Lanjutan) h. Leases (Continued)
Liabilitas sewa diukur pada nilai kini pembayaran The lease liability is initially measure at the present
sewa yang belum dibayar pada tanggal permulaan, value of the lease payments that are not paid at the
didiskontokan dengan menggunakan suku bunga commencement date, discounted using the interest
implisit dalam sewa atau jika suku bunga tersebut tidak rate implicit in the lease or if that rate cannot be readily
dapat ditentukan, maka menggunakan suku bunga determined, using the incremental borrowing rate.
pinjaman inkremental. Generally, the Company uses its incremental borrowing
rate as the discount rate.
Liabilitas sewa diukur kembali ketika ada perubahan The lease liability is measured at amortized cost using
pembayaran sewa di masa depan yang timbul dari the effective interest method. It is remeasured when
perubahan suatu indeks atau tingkat, jika ada there is a change in future lease payments arising from
perubahan dalam estimasi Perusahaan dari jumlah a change in an index or rate, if there is a change in the
yang diharapkan akan dibayarkan berdasarkan Company’s estimate of the amount expected to be
jaminan nilai residu atau jika Perusahaan mengubah payable under a residual value guarantee or if the
penilaiannya apakah akan melakukan opsi pembelian, Company changes its assessment of whether it will
perpanjangan, atau pemutusan kontrak. exercise a purchase, extension or termination option.
Ketika liabilitas sewa diukur kembali dengan cara When the lease liability is remeasured in this way, a
tersebut, penyesuaian dilakukan terhadap jumlah corresponding adjustment is made to the carrying
tercatat dari aset hak-guna, atau diakui dalam laba rugi amount of the right-of-use asset or recorded in profit or
jika jumlah tercatat dari aset hak-guna telah dikurangi loss if the carrying amount of the right-of-use asset has
menjadi nol. been reduced to zero.
Perusahaan memutuskan untuk tidak mengakui aset The Company has elected not to recognize right-of-use
hak-guna dan liabilitas sewa untuk sewa jangka pendek assets and lease liabilities for short-term leases that
yang memiliki masa sewa 12 bulan atau kurang. have a lease term of 12 months or less. The Company
Perusahaan mengakui pembayaran sewa atas sewa recognizes the lease payments associated with these
tersebut sebagai beban dengan dasar garis lurus leases as an expense on a straight-line basis over the
selama masa sewa. lease term.
i. Aset Tetap i. Fixed Assets
Aset tetap dinyatakan sebesar biaya perolehan Fixed assets are stated at cost less accumulated
dikurangi akumulasi penyusutan dan rugi penurunan depreciation and any impairment loss.
nilai.
Biaya perolehan termasuk biaya penggantian bagian Such cost includes the cost of replacing part of the fixed
aset tetap saat biaya tersebut terjadi, jika memenuhi assets when the cost is incurred if the recognition
kriteria pengakuan. Selanjutnya, pada saat inspeksi criteria are met. Likewise, when a major inspection is
yang signifikan dilakukan, biaya inspeksi itu diakui ke performed, its cost is recognized in the carrying amount
dalam nilai tercatat (“carrying amount”) aset tetap of the assets as a replacement if the recognition criteria
sebagai suatu penggantian jika memenuhi kriteria are met. All other repairs and maintenance costs that
pengakuan. Semua biaya perbaikan dan pemeliharaan do not meet the recognition criteria are recognized in
yang tidak memenuhi kriteria pengakuan diakui dalam profit or loss as incurred.
laba rugi pada saat terjadinya.
Penyusutan dihitung dengan menggunakan metode Depreciation is computed using the straight-line method
garis lurus berdasarkan taksiran masa manfaat over the estimated useful lives of the assets as follows:
ekonomik aset tetap, sebagai berikut:
Tahun/Years
Bangunan 20 Buildings
Kendaraan bermotor 5 Motor vehicles
Peralatan kantor 5 Office equipments
Komputer 5 Computers
Prasarana kantor 5 Leasehold improvements
22
Page 389
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
i. Aset Tetap (Lanjutan) i. Fixed Assets (Continued)
Tanah dinyatakan berdasarkan harga perolehan dan Land is stated at cost and not depreciated. Costs
tidak disusutkan. Biaya pengurusan legal hak atas associated with acquisition of legal right of land when
tanah ketika tanah diperoleh pertama kali diakui the land was first acquired are recognized as part of the
sebagai bagian dari biaya perolehan aset tanah. Biaya cost of land. Costs associated with the extension or
pengurusan perpanjangan atau pembaharuan legal hak renewal of legal right of land are recognized as an
atas tanah diakui sebagai aset takberwujud dan intangible asset and amortized over the legal life of the
diamortisasi sepanjang umur hukum hak atau umur land rights or economic life of the land, whichever is
ekonomi tanah, mana yang lebih pendek. shorter.
Jumlah tercatat aset tetap dihentikan pengakuannya The carrying value of fixed assets is derecognized upon
pada saat dilepaskan atau saat tidak ada manfaat disposal or when no future economic benefits are
ekonomik masa depan yang diharapkan dari expected form its use. Any gain or loss arising on
penggunaannya. Laba atau rugi yang timbul dari derecognition of the assets is charged to profit or loss
penghentian pengakuan aset diakui dalam laba rugi in the year the assets is derecognized.
pada tahun aset tersebut dihentikan pengakuannya.
Nilai residu, estimasi masa manfaat, dan metode The residual values, estimated useful lives, and
penyusutan direviu dan disesuaikan, setiap akhir tahun, depreciation method are viewed and adjusted, at year
bila diperlukan. end, if necessary.
j. Aset Takberwujud j. Intangible Assets
Aset takberwujud termasuk perangkat lunak komputer Intangible assets include acquired and customized
yang diperoleh dan dikustomasi yang dicatat computer software which are accounted for under the
menggunakan model biaya. Biaya aset adalah nilai kas cost model. The cost of the asset is the amount of cash
yang dibayarkan atau nilai wajar pertimbangan lain yang paid or the fair value of the other considerations given
diberikan sampai dengan memperoleh suatu aset pada up to acquire an asset at the time of its acquisition or
saat perolehan atau produksi. Kapitalisasi biaya production. Capitalized costs are amortized on a
diamortisasi dengan metode garis lurus selama taksiran straight-line basis over estimated useful lives for 5 years
masa manfaat ekonomik selama 5 tahun di mana masa as the lives of these intangible assets are considered
aset takberwujud dianggap terbatas. Aset takberwujud limited. The Company’s intangible assets are software
yang dimiliki oleh Perusahaan terdiri dari peranti lunak and license of software that have estimated useful lives
dan lisensi atas peranti lunak yang memiliki taksiran for 5 years.
masa umur manfaat ekonomik 5 tahun.
k. Aset/Liabilitas Kontrak Asuransi dan Reasuransi k. Insurance and Reinsurance Contract Assets/Liabilities
Model Pengukuran Measurement Model
Kontrak asuransi didefinisikan sebagai suatu kontrak di Insurance contract is defined as a contract under which
mana satu pihak (penerbit) menerima risiko asuransi one party (the issuer/insurer) accepts significant
signifikan dari pihak lain (pemegang polis) dengan insurance risk from another party (the policyholder) by
menyetujui untuk mengompensasi pemegang polis jika agreeing to compensate the policyholder if a specified
suatu kejadian masa depan yang tidak pasti (kejadian uncertain future event (the insured event) adversely
terasuransikan) berdampak merugikan terhadap affects the policyholder.
pemegang polis.
Menurut PSAK No. 117, Kelompok Kontrak merupakan In PSAK No. 117, a Group of Contracts is the basic unit
satuan dasar untuk pengakuan dan pengukuran for recognizing and measuring insurance contract
liabilitas kontrak asuransi maupun aset kontrak liabilities as well as reinsurance contract asset. It is the
reasuransi. Satuan ini digunakan sebagai dasar unit for applying requirements related to recognition
penerapan persyaratan terkait pengakuan dan and measurement.
pengukuran.
PSAK No. 117 diterapkan pada kontrak asuransi, yaitu PSAK No. 117 applies to insurance contracts, which are
kontrak yang menerima risiko asuransi signifikan dari contracts that accept significant insurance risk from
pihak lain, dan kontrak reasuransi milikan. Perusahaan another party, and reinsurance contracts held. The
menggunakan model pengukuran Premium Allocation Company applied Premium Allocation Approach (PAA)
Approach (PAA) yaitu pendekatan yang disederhanakan which is a simplified approach for certain insurance
untuk kontrak asuransi dan kontrak reasuransi yang contracts and reinsurance contracts that are not more
memiliki periode tidak lebih dari 1 tahun. than 1 year period of contracts.
23
Page 390
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset/Liabilitas Kontrak Asuransi dan Reasuransi k. Insurance and Reinsurance Contract Assets/Liabilities
(Lanjutan) (Continued)
Perusahaan mengakui kelompok kontrak asuransi pada Company shall recognize a group of insurance contracts
saat mana yang paling awal dari pilihan berikut ini: it issues from the earliest of the following:
• Awal periode pertanggungan dari kelompok kontrak; • The beginning of the coverage period of the group of
contracts;
• Tanggal ketika pembayaran pertama dari satu • The date when the first payment from a policyholder
pemegang polis; dan in the group becomes due; and
• Pada saat kelompok menjadi merugi untuk kelompok • For a group of onerous contracts, when the group
kontrak yang merugi. becomes onerous.
Perusahaan menerapkan pendekatan alokasi premi The Company applies the premium allocation approach
untuk kelompok kontrak asuransi dan reasuransi yang to groups of insurance and reinsurance contracts held
dimiliki yang memenuhi kondisi berikut: that meet the following conditions:
• Diharapkan secara wajar bahwa hasil pengukuran • It is reasonably expected that the measurement
di bawah pendekatan alokasi premi tidak akan results under the premium allocation approach will
berbeda secara signifikan dari hasil di bawah model not differ significantly from those under the general
umum. model.
• Masa pertanggungan dari setiap kontrak yang • The coverage period of each contract included in
termasuk dalam kelompok kontrak reasuransi yang the group of reinsurance contracts held is one year
dimiliki adalah satu tahun atau kurang. or less.
Batasan Kontrak Contract Boundaries
Batasan kontrak merujuk pada suatu waktu ketika Contract boundary refers to the point in time when the
kewajiban substansial perusahaan asuransi untuk substantial obligation to force the policyholder to pay
membuat pemegang polis membayar premi atau untuk the insurance premium or to provide insurance contract
memberikan layanan dalam kontrak asuransi berakhir. services ends.
Tingkat Agregasi Level of Aggregation
Pada saat pengakuan awal kontrak, PSAK No. 117 At the initial recognition of the contract, PSAK No. 117
mensyaratkan identifikasi portofolio, yang selanjutnya standard identifies the portfolio, and then identify and
harus diklasifikasikan ke dalam setidaknya tiga classify to at least three Groups of Contract based on
kelompok kontrak berdasarkan tingkat profitabilitas. the profitability.
Untuk kelompok kontrak asuransi, kelompok kontrak For insurance contract, the group of contracts are
dibagi menjadi: divided into:
- kelompok kontrak yang merugi pada saat - group of onerous contract at initial recognition;
pengakuan awal;
- kelompok kontrak yang pada saat pengakuan awal - group of contract which has no significant possibility
tidak memilik kemungkinan signifikan untuk to become onerous; and
selanjutnya menjadi kontrak yang merugi; dan
- kelompok kontrak tersisa dalam portofolio. - group of other remaining contract in the portfolio.
Portofolio terdiri dari kontrak yang memiliki karakteristik Portfolios comprise contracts subject to similar risks
risiko serupa dan dikelola bersama. Untuk kontrak and managed together. Insurance contracts identified
asuransi yang diterbitkan kepada pemegang polis by a single policy are grouped at the single policy level
individu, pengelompokan dilakukan pada level polis upon initial recognition. Meanwhile reinsurance treaty
tunggal saat pengakuan awal. Sementara kontrak contracts are classified by a single treaty.
reasuransi dikelompokkan dan diukur berdasarkan
masing-masing perjanjian secara individual.
24
Page 391
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset/Liabilitas Kontrak Asuransi dan Reasuransi k. Insurance and Reinsurance Contract Assets/Liabilities
(Lanjutan) (Continued)
Arus Kas Akuisisi Asuransi Insurance Acquisition Cash Flows
Arus kas akuisisi asuransi adalah arus kas yang Insurance acquisition cash flows are the cash flows that
timbul dari biaya penjualan, underwriting, dan inisiasi arise from the costs of selling, underwriting, and
kelompok kontrak asuransi yang dapat diatribusikan initiating a group of insurance contracts that are directly
secara langsung ke portofolio tempat kelompok kontrak attributable to the portfolio to which the group of
asuransi tersebut. Arus kas ini juga mencakup arus insurance contracts belongs. These also include cash
kas yang tidak dapat diatribusikan secara langsung flows that are not directly attributable to individual
ke kontrak individu atau kelompok kontrak asuransi contracts or groups of insurance contracts within the
tertentu di dalam portofolio tersebut. portfolio.
Tingkat Diskonto Discount Rate
Perusahaan menggunakan pendekatan bottom-up The Company uses a bottom-up approach to obtain the
untuk mendapatkan tingkat diskonto arus kas, yaitu cash flows discount rate, which is risk-free yield plus an
imbal hasil bebas risiko ditambahkan dengan illiquidity illiquidity premium.
premium.
Alokasi Biaya Expense Allocation
Perusahaan melakukan studi biaya secara rutin untuk The Company regularly conducted an expense study to
menentukan biaya yang dapat diatribusikan secara determine direct attributable and indirect expenses.
langsung dan tidak. Biaya yang dapat diatribusikan Direct attributable expense are further divided into
secara langsung dibagi lebih lanjut menjadi biaya acquisition cost, maintenance cost, and claims handling
akuisisi, biaya pemeliharaan, dan biaya penanganan cost.
klaim.
Pengakuan Pendapatan Jasa Asuransi dan Reasuransi Recognition of Insurance and Reinsurance Revenue
Service
Pendapatan jasa asuransi diakui sesuai periode polis Insurance service revenue is recognized over the policy
(kontrak) berdasarkan proporsi jumlah proteksi yang contract period in proportion to the insurance coverage
diberikan. Premi dari polis bersama diakui sebesar porsi provided. Premium from coinsurance is recognized as
bagian premi Perusahaan. Premi hak reasuradur diakui income based on the Company’s proportionate share in
sebagai premi asuransi selama periode kontrak the premium. Premium due to reinsurance company is
asuransi secara proporsional dengan proteksi yang recognized as insurance premium during the period of
diperoleh dan porsi premi reasuransi kemudian diakui insurance contract in proportion to the insurance
dalam hasil reasuransi. coverage received while the reinsurance premium
portion is recognized as reinsurance result.
Untuk kontrak yang diukur sesuai dengan pendekatan For contracts measured in accordance with the
alokasi premi, pendapatan asuransi untuk setiap premium allocation approach, insurance income for
periode adalah penerimaan premi yang diharapkan each period is the expected premium receipts while
selama periode tersebut. Perusahaan mengalokasikan providing coverage during that period. The Company
penerimaan premi yang diharapkan selama periode allocates the expected premium receipts over the
pertanggungan berdasarkan berlalunya waktu. coverage period based on the passage of time.
Beban Jasa Asuransi Insurance Service Expenses
Beban jasa asuransi yang timbul dari kelompok kontrak Insurance service expenses arising from groups of
asuransi yang diterbitkan disajikan dalam laba rugi dan issued insurance contracts are presented in profit or
mencakup jumlah-jumlah berikut: loss and include the following amounts:
• Klaim yang terjadi (tidak termasuk komponen • Incurred claims (excluding investment components)
investasi) dan beban jasa asuransi lainnya yang and other incurred insurance service expenses.
terjadi.
• Amortisasi arus kas akuisisi asuransi. • Amortization of insurance acquisition cash flows.
25
Page 392
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset/Liabilitas Kontrak Asuransi dan Reasuransi k. Insurance and Reinsurance Contract Assets/Liabilities
(Lanjutan) (Continued)
Beban Jasa Asuransi (Lanjutan) Insurance Service Expenses (Continued)
• Perubahan yang terkait dengan jasa masa lalu. Oleh • Changes related to past service. Therefore, changes
karena itu, perubahan dalam arus kas pemenuhan in the fulfillment cash flows related to the liability for
yang terkait dengan liabilitas atas klaim yang incurred claims.
terjadi.
• Perubahan yang terkait dengan jasa masa depan. • Changes related to future service. Therefore, losses
Oleh karena itu, kerugian pada kelompok kontrak on onerous groups of contracts and reversals of
yang memberatkan (onerous) dan pembalikan such losses.
kerugian tersebut.
Liabilitas Kontrak Asuransi Insurance Contract Liabilities
Liabilitas kontrak asuransi terdiri atas liabilitas atas sisa Insurance contract liabilities consists of liability of
masa pertanggungan dan liabilitas atas klaim yang remaining coverage and liability of incurred claim. To
sudah terjadi. Untuk mengukur liabilitas atas sisa measure the liability of remaining coverage, company
masa pertanggungan, perusahaan menggunakan applies premium allocation approach (PAA) in which the
metode pendekatan alokasi premi (PAA) dengan company has passed the PAA eligibility test. As for the
catatan perusahaan telah lolos uji kelayakan measurement of liability of incurred claim, the company
penggunaan pendekatan PAA ini Sedangkan untuk applies combined method between Paid Loss
mengukur liabilitas atas klaim yang sudah terjadi Development Method (PLDM) and Incurred Loss
perusahaan menggunakan kombinasi antara metode Development Method (ILDM) to calculate the best
Paid Loss Development Method (PLDM) dan Incurred estimate liability and utilize Mack method to calculate
Loss Development Method (ILDM) untuk menghitung non-financial risk adjusment.
estimasi liabilitas terbaik dan metode Mack untuk
menghitung penyesuaian risiko nonkeuangan.
Aset Kontrak Reasuransi Reinsurance Contract Asset
Dalam usahanya, Perusahaan mensesikan risiko In its business, the Company cession insurance risk in
asuransi dalam bisnis normal pada setiap lini bisnisnya. the normal course of business on each line the
business.
Untuk mengurangi risiko penutupan polis asuransi, To reduce its underwriting risk, the Company reinsures
Perusahaan mereasuransikan sebagian risiko polis a part of its total risks to reinsurance Company, and
yang ditutupnya ke perusahaan reasuradur dan tidak treats expected recoveries on insurance claims from
mengakui ganti rugi atas klaim asuransi yang menjadi reinsurers which the Company is not liable. To the extent
tanggungan perusahaan reasuradur. Jika perusahaan that the reinsurance companies are unable to meet
reasuradur tidak dapat memenuhi liabilitasnya their obligations under these reinsurance agreements,
berdasarkan perjanjian reasuransi, maka Perusahaan the Company has a contingent liability for all such
memiliki liabilitas kontinjensi atas seluruh klaim insurance claims loss. The Company has proportional
tersebut. Perjanjian reasuransi yang dimiliki and non-proportional (excess of loss) reinsurance treaty
Perusahaan meliputi perjanjian reasuransi treaty agreements, and facultative reinsurance agreements.
proporsional dan nonproporsional (excess of loss),
maupun perjanjian reasuransi fakultatif.
Perusahaan mempunyai kontrak reasuransi treaty The Company has proportional and non-proportional
proporsional dan nonproporsional, dan fakultatif treaty reinsurance contracts, and facultative with
dengan perusahaan asuransi dan reasuransi di dalam domestic and overseas insurance and reinsurance
maupun di luar negeri. Perusahaan mereasuransikan companies. The company reinsures part of the risk on
sebagian risiko atas akseptasi pertanggungan yang the acceptance of coverage obtained to other insurance
diperoleh kepada perusahaan asuransi lain dan companies and reinsurance companies.
perusahaan reasuransi.
26
Page 393
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
k. Aset/Liabilitas Kontrak Asuransi dan Reasuransi k. Insurance and Reinsurance Contract Assets/Liabilities
(Lanjutan) (Continued)
Aset Kontrak Reasuransi (Lanjutan) Reinsurance Contract Asset (Continued)
Perusahaan juga menanggung risiko reasuransi dalam The Company also bears reinsurance risk in its business
kegiatan usahanya untuk kontrak asuransi kerugian activities for contracts loss insurance (inward
(inward reinsurance). Premi dan klaim reasuransi diakui reinsurance) Reinsurance premium and claim are
sebagai pendapatan atau beban dengan cara yang recognized as income or expense in the same way as
sama seperti halnya ketika reasuransi diterima sebagai reinsurance is accepted as a business directly, taking
bisnis langsung dengan mempertimbangkan klasifikasi into account the product classification of the reinsured
produk dari bisnis yang direasuransikan. business.
Jumlah premi dibayar atau bagian premi atas transaksi The premium paid to the reinsurer or the insurer’s share
reasuransi prospektif diakui sebagai premi reasuransi in the premium on prospective reinsurance transaction
sesuai periode kontrak reasuransi secara proporsional is recognized as reinsurance premium over the
dengan proteksi yang diberikan. Pembayaran atau reinsurance contract period in proportion to the
kewajiban atas transaksi reasuransi retrospektif diakui insurance coverage provided. A payment or obligation
sebagai piutang reasuransi sebesar kewajiban yang for retrospective reinsurance transaction is recognized
dibukukan sehubungan kontrak reasuransi tersebut. as reinsurance receivable from the reinsurer in the
amount equivalent to the payment made or recorded
liability in relation to the reinsurance contract.
Perusahaan mengakui kelompok kontrak reasuransi While company shall recognize a group of reinsurance
milikan pada saat mana yang paling awal dari pilihan contracts held from the earlier of the following:
berikut ini:
• Awal periode pertanggungan dari kelompok kontrak • The beginning of the coverage period of the group of
reasuransi milikan. reinsurance contracts held.
• Tanggal ketika Perusahaan mengakui kelompok • The date the Company recognizes an onerous group
kontrak asuransi pendasarnya merugi, jika kontrak of underlying insurance contracts, if the company
reasuransi terkait masuk dalam kelompok kontrak entered into the related reinsurance contract held in
reasuransi yang dimiliki saat atau sebelum tanggal the group of reinsurance contracts held at or before
tersebut. that date.
Aset kontrak reasuransi dihitung menggunakan metode Reinsurance contract asset is calculated using the
yang sama untuk menghitung liabilitas kontrak same method used to calculate the insurance contract
asuransi, yaitu pendekatan alokasi premi untuk liability, which is premium allocation approach for
menghitung aset atas sisa masa pertanggungan liability of remaining coverage. And then for the liability
kontrak reasuransi. Kemudian untuk liabilitas atas of incurred claim, best estimate liability is calculated
klaim yang terjadi, estimasi liabilitas terbaik dihitung using the combination of PLDM and ILDM method, and
menggunakan kombinasi metode PLDM dan ILDM, non-financial risk adjustment is calculated from the
dan penyesuaian risiko nonkeuangan dihitung non-financial risk adjustment ratio derived from
menggunakan rasio penyesuaian risiko nonkeuangan underlying contract portfolio.
dari portofolio kontrak asuransi pendasar.
Pendapatan atau Beban Keuangan Asuransi Insurance Finance Income or Expenses
Pendapatan atau beban keuangan asuransi mencakup Insurance finance income or expenses comprise
perubahan dalam jumlah tercatat kelompok kontrak changes in the carrying amounts of groups of insurance
asuransi yang timbul akibat pengaruh nilai waktu dari contracts arising from the effects of the time value of
uang, risiko keuangan, dan perubahan atas keduanya. money, financial risk and changes therein.
Perusahaan memilih untuk memisahkan pendapatan The Group has chosen to disaggregate insurance
atau beban keuangan asuransi antara laba rugi dan finance income or expenses between profit or loss and
penghasilan komprehensif lain (“OCI”). Jumlah yang other comprehensive income (“OCI”). The amount
diakui dalam laba rugi ditentukan melalui alokasi included in profit or loss is determined by a systematic
sistematis atas jumlah pendapatan atau beban allocation of the expected total insurance finance
keuangan asuransi yang diharapkan selama jangka income or expenses over the duration of the group of
waktu kelompok kontrak tersebut. contracts.
Jumlah yang disajikan dalam OCI diakumulasikan dalam Amounts presented in OCI are accumulated in the
pendapatan atau beban keuangan asuransi. insurance finance income or expenses.
27
Page 394
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
l. Hasil Investasi l. Investment Income
Hasil investasi bunga dari deposito berjangka dan Interest income from investment in time deposits and
obligasi diakui atas dasar proporsi waktu, berdasarkan bonds is recognized on a time proportion basis, based
nilai pokok dan tingkat bunga yang berlaku. on principal outstanding and prevailing interest rates.
Penghasilan dividen diakui bila hak pemegang saham Dividend income is recognized when the shareholders’
untuk menerima pembayaran ditetapkan. right to receive payment is established.
Keuntungan atau kerugian dari penjualan saham diakui Gain or losses on sale of securities are recognized at the
pada saat transaksinya. time of the transaction.
m. Pajak Penghasilan m. Income Taxes
Perusahaan menerapkan PSAK No. 212 tentang “Pajak The Company adopted PSAK No. 212 on “Income
Penghasilan”, yang memberikan tambahan pengaturan Taxes”, which provides additional provision for deferred
untuk aset atau liabilitas pajak tangguhan yang berasal tax asset or liability arising from a non-depreciable asset
dari aset yang tidak disusutkan yang diukur dengan measured using the revaluation model, and those
menggunakan model revaluasi dan yang berasal dari arising from investment properties that is measured
properti investasi yang diukur dengan menggunakan using the fair value model. This revised PSAK also
model nilai wajar. PSAK revisi ini juga menghapuskan deleted the regulation regarding final taxes.
pengaturan mengenai pajak final.
Beban pajak terdiri dari pajak kini dan tangguhan. Income tax expense comprises current and deferred
Beban pajak diakui dalam laba rugi kecuali untuk tax. Income tax expense is recognized in profit or loss
transaksi yang berhubungan dengan transaksi diakui except to the extent that it relates to items recognized
langsung ke ekuitas, dalam hal ini diakui sebagai directly in equity, in which case it is recognized in other
penghasilan komprehensif lain. comprehensive income.
Pajak Kini Current Tax
Beban pajak kini dihitung dengan menggunakan Current tax expense is calculated using prevailing tax
tarif pajak yang berlaku pada tanggal pelaporan rates as at reporting period and is provided based on
keuangan dan ditetapkan berdasarkan taksiran the estimated taxable income for the current year.
penghasilan kena pajak tahun berjalan. Manajemen Management periodically evaluates positions taken
secara periodik mengevaluasi posisi yang dilaporkan di in income Annual Tax Returns (“SPT”) with respect to
Surat Pemberitahuan (“SPT”) Tahunan sehubungan situations in which applicable tax regulation is subject
dengan situasi di mana aturan pajak yang berlaku to interpretation. It establishes provision where
membutuhkan interpretasi. Jika perlu, manajemen appropriate on the basis of amounts expected to be paid
menentukan provisi berdasarkan jumlah yang to the tax authorities.
diharapkan akan dibayar kepada otoritas pajak.
Bunga dan denda untuk kekurangan atau kelebihan Interest and penalties for the underpayment or
pembayaran pajak penghasilan, jika ada, dicatat overpayment of income tax, if any, are to be presented
sebagai bagian dari “Beban Pajak” dalam laporan laba as part of “Income Tax Expense” in the statement of
rugi dan penghasilan komprehensif lain. profit or loss and other comprehensive income.
Jumlah tambahan pokok dan denda pajak yang The amounts of additional tax principal and penalty
ditetapkan dengan Surat Ketetapan Pajak (“SKP”) imposed through a Tax Assessment Letter (“SKP”) are
diakui sebagai pendapatan atau beban dalam laporan recognized as income or expense in the current year in
laba rugi dan penghasilan komprehensif lain tahun the statement of profit or loss and other comprehensive
berjalan, kecuali jika diajukan upaya penyelesaian income, unless further settlement is submitted. The
selanjutnya. Jumlah tambahan pokok pajak dan amounts of tax principal and penalty imposed through a
denda yang ditetapkan dengan SKP ditangguhkan SKP are deferred as long as they meet the asset
pembebanannya sepanjang memenuhi kriteria recognition criteria.
pengakuan aset.
28
Page 395
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
m. Pajak Penghasilan (Lanjutan) m. Income Taxes (Continued)
Pajak Tangguhan Deferred Tax
Pajak tangguhan diukur dengan metode liabilitas atas Deferred tax is provided using the liability method on
beda waktu pada tanggal pelaporan antara dasar temporary differences at the reporting date between the
pengenaan pajak untuk aset dan liabilitas dengan nilai tax bases of assets and liabilities and their carrying
tercatatnya untuk tujuan pelaporan keuangan. Liabilitas amounts for financial reporting purposes. Deferred tax
pajak tangguhan diakui untuk semua perbedaan liabilities are recognized for all taxable temporary
temporer kena pajak dengan beberapa pengecualian. differences with certain exceptions. Deferred tax assets
Aset pajak tangguhan diakui untuk perbedaan temporer are recognized for deductible temporary differences
yang boleh dikurangkan dan rugi fiskal apabila terdapat and tax losses carry-forward to the extent that
kemungkinan besar bahwa jumlah penghasilan kena it is probable that taxable income will be available in
pajak pada masa mendatang akan memadai untuk future years against which the deductible temporary
mengkompensasi perbedaan temporer dan rugi fiskal. differences and tax losses carry forward can be utilized.
Jumlah tercatat aset pajak tangguhan dikaji ulang pada The carrying amount of a deferred tax asset is reviewed
akhir periode pelaporan dan mengurangi jumlah at each reporting date and reduced to the extent that it
tercatat jika kemungkinan besar penghasilan kena is no longer probable that sufficient taxable income will
pajak tidak lagi tersedia dalam jumlah yang memadai be available to allow all or part of the benefit of that
untuk mengkompensasi sebagian atau seluruh aset deferred tax asset to be utilized. Unrecognized deferred
pajak tangguhan. Aset pajak tangguhan yang belum tax assets are reassessed at each reporting date and
diakui dinilai kembali pada setiap akhir periode are recognized to the extent that it has become
pelaporan dan diakui sepanjang kemungkinan besar probable that future taxable income will allow the
laba kena pajak mendatang akan memungkinkan aset deferred tax assets to be recovered.
pajak tangguhan tersedia untuk dipulihkan.
Aset dan liabilitas pajak tangguhan dihitung Deferred tax assets and liabilities are measured at the
berdasarkan tarif yang akan dikenakan pada periode tax rates that are expected to apply to the period when
saat aset direalisasikan atau liabilitas tersebut the asset is realized or the liability is settled, based on
diselesaikan, berdasarkan undang-undang pajak yang tax laws that have been enacted or substantively
berlaku atau berlaku secara substantif pada akhir enacted at the end of reporting period. The related tax
periode laporan keuangan. Pengaruh pajak terkait effects of the provisions for and/or reversals of all
dengan penyisihan dan/atau pemulihan semua temporary differences during the year, including the
perbedaan temporer selama tahun berjalan, termasuk effect of change in tax rates, are credited or charged to
pengaruh perubahan tarif pajak, untuk transaksi- current period operations, except to the extent that they
transaksi yang sebelumnya telah langsung dibebankan relate to items previously charged or credited to equity.
atau dikreditkan ke ekuitas.
Aset dan liabilitas pajak tangguhan disajikan secara Deferred tax assets and liabilities are offset when a
saling hapus saat hak yang dapat dipaksakan secara legally enforceable right exists to offset current tax
hukum ada untuk saling hapus aset pajak kini dan assets against current tax liabilities, or the deferred tax
liabilitas pajak kini, atau aset pajak tangguhan dan assets and the deferred tax liabilities relate to the same
liabilitas pajak tangguhan berkaitan dengan entitas taxable entity, or the Company intends to settle its
kena pajak yang sama, atau Perusahaan bermaksud current assets and liabilities on a net basis.
untuk menyelesaikan aset dan liabilitas pajak kini
dengan dasar neto.
n. Imbalan Kerja n. Employee Benefits
Imbalan Kerja Karyawan Employee Benefits
Imbalan kerja karyawan diakui pada saat terutang Employee benefits are recognized when they are
kepada karyawan berdasarkan metode akrual. payable to the employees based on accrual method.
Imbalan Pasca kerja Karyawan Post-employment Benefits
Pada 31 Desember 2025 dan 2024, Perusahaan As of December 31, 2025 and 2024, the Company
mencatat penyisihan manfaat karyawan sesuai dengan provides provisions for employee benefits in
Undang-undang No. 6 Tahun 2023 atau Undang- accordance with Company Regulation, Law No. 6 of
Undang Imbalan Kerja, Peraturan Pemerintah No. 2 2023 or Employee Benefit Law, Government Regulation
Tahun 2022 tentang Cipta Kerja. No. 2 of 2022 on Job Creation.
29
Page 396
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
n. Imbalan Kerja (Lanjutan) n. Employee Benefits (Continued)
Imbalan Pasca kerja Karyawan (Lanjutan) Post-employment Benefits (Continued)
Liabilitas imbalan pasca kerja merupakan nilai kini The post-employment benefits liabilities are the present
liabilitas imbalan pasti pada tanggal laporan posisi value of the defined benefit obligation at the statement
keuangan dikurangi dengan nilai wajar aset program. of financial position date less the fair value of plan
Liabilitas imbalan pasca kerja dihitung oleh aktuaris assets. The post-employment benefits liabilities are
independen dengan menggunakan metode projected calculated by independent actuaries using the projected
unit credit. unit credit method.
Nilai kini liabilitas imbalan pasca kerja ditentukan The present value of the post-employment benefits
dengan mendiskontokan estimasi arus kas keluar masa liabilities is determined by discounting the estimated
depan dengan menggunakan tingkat bunga Obligasi future cash outflows using the interest rates of
Pemerintah (dengan pertimbangan saat ini tidak ada Government Bonds (considering currently there is no
pasar aktif untuk Obligasi korporasi berkualitas tinggi) deep market for high-quality corporate Bonds) that are
dalam mata uang Rupiah, sama dengan mata uang di denominated in Rupiah, in which the benefits will be
mana imbalan tersebut akan dibayarkan, dan yang paid, and that have terms to maturity approximating to
memiliki jangka waktu yang mendekati jangka waktu the terms of the related pension liability.
liabilitas imbalan pensiun yang bersangkutan.
Pengukuran kembali, terdiri dari keuntungan dan Remeasurement, comprising actuarial gains and
kerugian aktuarial, yang tercermin langsung dalam losses, is reflected immediately in the statement of
laporan posisi keuangan yang dibebankan atau financial position with a charge or credit recognized in
dikreditkan diakui dalam penghasilan komprehensif other comprehensive income in the period in which they
lain pada periode terjadinya untuk mencerminkan aset occur in order for the net pension asset or liability
atau liabilitas pensiun neto yang diakui pada laporan recognized in the statement of financial position to
keuangan untuk mencerminkan nilai penuh dari defisit reflect the full value of the plan deficit and surplus.
dan surplus program. Pengukuran kembali diakui dalam Remeasurement recognized in other comprehensive
penghasilan komprehensif lain tercermin segera dalam income is reflected immediately in retained earnings
saldo laba dan tidak akan direklasifikasi ke laba rugi. and will not be reclassified to profit or loss.
Seluruh biaya jasa lalu diakui pada saat yang lebih dulu All past service costs are recognized at the earlier of
antara ketika amendemen/kurtailmen terjadi atau when the amendment or curtailment occurs and when
ketika biaya restrukturisasi atau pemutusan hubungan the related restructuring or termination costs are
kerja diakui. recognized.
Bunga neto dihitung dengan menggunakan tingkat Net interest is calculated by applying the discount rate
diskonto terhadap liabilitas atau aset imbalan pasti to the net defined benefit liability or asset. Defined
neto. Biaya imbalan pasti dikategorikan sebagai berikut: benefit costs are categorized as follows:
• Biaya jasa (termasuk biaya jasa kini, biaya jasa lalu • Service cost (including current service cost, past
serta keuntungan dan kerugian kurtailmen dan service cost, as well as gains and losses on
penyelesaian); curtailments and settlements);
• Beban atau pendapatan bunga neto; dan • Net interest expense or income; and
• Pengukuran kembali. • Remeasurement.
Perusahaan menyajikan dua komponen pertama dari The Company presents the first two components of
biaya imbalan pasti di laba rugi. Keuntungan dan defined benefit costs in profit or loss. Curtailment gains
kerugian kurtailmen dicatat sebagai biaya jasa lalu. and losses are accounted for as past service costs.
Perusahaan mengikuti Program Pensiun Untuk The Company entered into the Pension Program for
Kompensasi Pesangon (“PPUKP”) yang Severance Compensation (“PPUKP”) organized by
diselenggarakan oleh Dana Pensiun Lembaga Financial Institution Pension Fund (“DPLK”) AIA
Keuangan (“DPLK”) AIA Financial berdasarkan prinsip Financial based on Pooled Fund Principle. PPUKP shall
Pooled Fund. PPUKP hanya dapat dipergunakan untuk be used solely for purpose of payment related to post-
keperluan pembayaran liabilitas imbalan pasca kerja. employment benefits liabilities.
30
Page 397
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
o. Provisi o. Provision
Provisi diakui jika Perusahaan memiliki liabilitas kini Provisions are recognized when the Company has a
(baik bersifat hukum maupun bersifat konstruktif), present obligation (legal or constructive) as a result of a
sebagai akibat peristiwa masa lalu, besar kemungkinan past event, it is probable that an outflows of resources
penyelesaian liabilitas tersebut mengakibatkan arus embodying economic benefits will be required to settle
keluar sumber daya yang mengandung manfaat the obligation and a reliable estimate can be made of
ekonomik dan estimasi yang andal mengenai jumlah the amount of the obligation.
liabilitas tersebut dapat dibuat.
Beban yang terkait dengan provisi disajikan secara The expense relating to any provision is presented in the
neto setelah dikurangi jumlah yang diakui sebagai profit or loss net of any reimbursement.
penggantiannya.
Provisi ditelaah pada setiap tanggal pelaporan dan Provisions are reviewed at each reporting date and
disesuaikan untuk mencerminkan estimasi terbaik adjusted to reflect the current best estimate. If it is no
yang paling kini. Jika kemungkinan besar tidak terjadi longer probable that an outflows of resources
arus keluar sumber daya yang mengandung manfaat embodying economic benefits will be required to settle
ekonomi untuk menyelesaikan liabilitas tersebut, maka the obligation, the provision is reversed.
provisi dibatalkan.
p. Transaksi dengan Pihak Berelasi p. Related Parties Transaction
Suatu pihak dianggap berelasi dengan Perusahaan jika: A party is considered to be related to the Company if:
a. Orang atau anggota keluarga terdekat mempunyai a. A person or a close member of the person’s family
relasi dengan Perusahaan jika orang tersebut: is related to the Company if that person:
i. Memiliki pengendalian atau pengendalian i. Has control or joint control over the Company;
bersama atas Perusahaan;
ii. Memiliki pengaruh signifikan atas Perusahaan; ii. Has significant influence over the Company; or
atau
iii. Personel manajemen kunci Perusahaan. iii. Is a member of the key management personnel
of the Company.
b. Suatu entitas berelasi dengan Perusahaan jika b. An entity is related to the Company if any of the
memenuhi salah satu hal berikut: following conditions applies:
i. Entitas dan Perusahaan adalah anggota i. The entity and the Company are members of the
kelompok usaha yang sama (artinya entitas same Company (which means that each parent,
induk, entitas anak, dan entitas anak berikutnya subsidiary and fellow subsidiary is related to the
terkait dengan entitas lain); others);
ii. Suatu entitas adalah entitas asosiasi atau ii. One entity is an associate or joint venture of the
ventura bersama dari entitas lain (atau entitas other entity (or an associate or joint venture of a
asosiasi atau entitas ventura bersama yang member of a Company of which the other entity
merupakan anggota suatu kelompok usaha, yang is a member);
mana entitas lain tersebut adalah anggotanya);
iii. Kedua entitas tersebut adalah ventura bersama iii. Both entities are joint ventures of the same third
dari pihak ketiga yang sama; party;
iv. Suatu entitas adalah ventura bersama dari iv. One entity is a joint venture of a third entity and
entitas ketiga dan entitas yang lain adalah entitas the other entity is an associate of the third
asosiasi dari entitas ketiga; entity;
v. Entitas tersebut adalah suatu program imbalan v. The entity is a post-employment benefit plan for
pasca kerja untuk imbalan kerja dari salah satu the benefit of employees of either the Company
Perusahaan atau entitas yang terkait dengan or an entity related to the Company; If the
Perusahaan; Jika Perusahaan adalah entitas reporting entity is itself such a plan, the
yang menyelenggarakan program tersebut, maka sponsoring entity are also related to the
entitas sponsor juga berelasi dengan Company;
Perusahaan;
vi. Entitas yang dikendalikan atau dikendalikan vi. The entity is controlled or jointly controlled by a
bersama oleh orang yang diidentifikasi dalam person identified in (a); and
huruf (a); dan
31
Page 398
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
p. Transaksi dengan Pihak Berelasi (Lanjutan) p. Related Parties Transaction (Continued)
b. Suatu entitas berelasi dengan Perusahaan jika b. An entity is related to the Company if any of the
memenuhi salah satu hal berikut: (Lanjutan) following conditions applies: (Continued)
vii. Orang yang diidentifikasi dalam huruf (a)(i) vii. A person identified in (a)(i) has significant
memiliki pengaruh signifikan atas entitas atau influence over the entity or is a member of the
personel manajemen kunci entitas (atau entitas key management personnel of the entity (or of a
induk dari entitas); parent of the entity);
Transaksi ini dilakukan berdasarkan persyaratan yang The transactions are made based on terms agreed by
disetujui oleh kedua belah pihak, di mana persyaratan both parties, in which such terms are the same as those
tersebut sama dengan transaksi lain yang dilakukan of transactions between unrelated parties.
dengan pihak-pihak yang tidak berelasi.
Seluruh transaksi dan saldo yang material dengan All significant transactions and balances with related
pihak-pihak berelasi diungkapkan dalam catatan atas parties are disclosed in the relevant notes to the
laporan keuangan yang relevan. financial statements herein.
q. Laba per Saham q. Earnings per Share
Laba per saham dasar dihitung dengan membagi laba Earnings per share are calculated by dividing net
neto yang dapat diatribusikan kepada pemilik entitas income for the year attributable to ordinary equity
induk dengan jumlah rata-rata tertimbang saham yang holders of the parent by the weighted average number
beredar pada tahun yang bersangkutan. of ordinary shares outstanding during the year.
Laba per lembar saham dilusian dihitung setelah Diluted earnings per share is computed after making
melakukan penyesuaian yang diperlukan terhadap the necessary adjustments to the weighted average
jumlah rata-rata tertimbang saham biasa yang beredar number of common shares outstanding, assuming that
dengan asumsi bahwa semua opsi saham dilaksanakan all share options held are exercised at the time of
pada saat penerbitan. publication.
r. Penurunan Nilai Aset Nonkeuangan r. Impairment of Non-financial Assets
Pada setiap akhir tahun pelaporan, Perusahaan menilai The Company assesses at end of each annual reporting
apakah terdapat indikasi suatu aset mengalami year whether there is an indication that an asset may be
penurunan nilai. Jika terdapat indikasi tersebut atau impaired. If any such indication exists, or when annual
pada saat pengujian penurunan nilai aset (yaitu aset impairment testing for an asset (i.e. an intangible asset
takberwujud dengan umur manfaat tidak terbatas, with an indefinite useful life, an intangible asset not
aset takberwujud yang belum dapat digunakan, atau yet available-for-use, or goodwill acquired in a business
goodwill yang diperoleh dalam suatu kombinasi bisnis) combination) is required, the Company makes an
diperlukan, maka Perusahaan membuat estimasi estimate of the asset’s recoverable amount.
formal jumlah terpulihkan aset tersebut.
Jumlah terpulihkan yang ditentukan untuk aset An asset’s recoverable amount is the higher of an
individual adalah jumlah yang lebih tinggi antara nilai asset’s or cash generating unit (CGU)’s fair value less
wajar aset atau unit penghasil kas (UPK) dikurangi biaya costs to sell and its value in use and is determined for
untuk menjual dengan nilai pakainya, kecuali aset an individual asset, unless the asset does not generate
tersebut tidak menghasilkan arus kas masuk yang cash inflows that are largely independent of those from
sebagian besar independen dari aset atau kelompok other assets or group of assets.
aset lain.
Jika nilai tercatat aset lebih besar daripada nilai Where the carrying amount of an asset exceeds
terpulihkannya, maka aset tersebut dipertimbangkan its recoverable amount, the asset is considered
mengalami penurunan nilai dan nilai tercatat aset impaired and is written down to its recoverable amount.
diturunkan nilai menjadi sebesar nilai terpulihkannya. Impairment losses are recognized in the profit or loss as
Rugi penurunan nilai diakui pada laba rugi sebagai “Impairment Losses”.
“Rugi Penurunan Nilai”.
32
Page 399
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
r. Penurunan Nilai Aset Nonkeuangan (Lanjutan) r. Impairment of Non-financial Assets (Continued)
Kerugian penurunan nilai dari operasi yang dilanjutkan, A previously recognized impairment loss for an asset
jika ada, diakui pada laporan laba rugi dan penghasilan other than goodwill is reversed only if there has been a
komprehensif lain sesuai dengan kategori beban yang change in the assumptions used to determine the
konsisten dengan fungsi dari aset yang diturunkan asset’s recoverable amount since the last impairment
nilainya. loss was recognized.
Dalam hal ini, jumlah tercatat aset dinaikkan ke If that is the case, the carrying amount of the asset is
jumlah terpulihkannya. Pembalikan tersebut dibatasi increased to its recoverable amount. The reversal is
sehingga jumlah tercatat aset tidak melebihi jumlah limited so that the carrying amount of the assets does
terpulihkannya maupun jumlah tercatat, neto setelah not exceed its recoverable amount, nor exceed the
penyusutan, seandainya tidak ada rugi penurunan nilai carrying amount that would have been determined,
yang telah diakui untuk aset tersebut pada periode net of depreciation, had no impairment loss been
sebelumnya. Pembalikan rugi penurunan nilai diakui recognized for the asset in prior years. Reversal of an
dalam laporan laba rugi dan penghasilan komprehensif impairment loss is recognized in the statement of profit
lain. Setelah pembalikan tersebut, penyusutan yang or loss and other comprehensive income. After such a
dibebankan disesuaikan di periode mendatang untuk reversal, the depreciation charge is adjusted in future
mengalokasikan jumlah tercatat aset yang direvisi, periods to allocate the asset’s revised carrying amount,
dikurangi nilai residu, dengan dasar yang sistematis less any residual value, on a systematic basis over its
selama sisa umur manfaatnya. remaining useful life.
s. Segmen Operasi s. Operating Segments
Segmen operasi diidentifikasi berdasarkan laporan Operating segments are identified on the basis of
internal mengenai komponen dari Perusahaan yang internal reports about components of the Company that
secara reguler direviu oleh pengambil keputusan are regularly reviewed by the chief operating decision
operasional dalam rangka mengalokasikan sumber maker in order to allocate resources to the segments
daya dan menilai kinerja segmen operasi. and to assess their performances.
Segmen operasi adalah suatu komponen dari An operating segment is a component of the Company:
Perusahaan:
i. Yang terlibat dalam aktivitas bisnis yang mana i. That engages in business activities from which it
memperoleh pendapatan dan menimbulkan beban may earn revenues and incur expenses (including
(termasuk pendapatan dan beban terkait dengan revenue and expenses related to the transactions
transaksi dengan komponen lain dari entitas yang with different components within the same entity);
sama);
ii. Hasil operasinya dikaji ulang secara reguler oleh ii. Reviewed by the Company’s chief operating
pengambil keputusan operasional untuk membuat decision maker to make decisions about resources
keputusan tentang sumber daya yang dialokasikan to be allocated to the segment and to assess its
pada segmen tersebut dan menilai kinerjanya; dan performance; and
iii. Tersedia informasi keuangan yang dapat dipisahkan. iii. For which discrete financial information is available.
Informasi yang digunakan oleh pengambil keputusan Information used by decision makers operational in the
operasional dalam rangka alokasi sumber daya dan framework of resource allocation and their performance
penilaian kinerja mereka terfokus pada kategori dari assessment focused on the category of each product.
setiap produk.
33
Page 400
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
2. IKHTISAR KEBIJAKAN AKUNTANSI YANG MATERIAL 2. SUMMARY OF MATERIAL ACCOUNTING POLICIES
(Lanjutan) (Continued)
t. Transaksi dan Saldo dalam Mata Uang Asing t. Foreign Currency Transactions and Balances
Pembukuan Perusahaan diselenggarakan dalam mata The accounting records of the Company are maintained
uang Rupiah. Transaksi dalam mata uang asing in Rupiah. Transactions denominated in foreign
dijabarkan ke dalam Rupiah dengan kurs yang berlaku currencies are translated into Rupiah at the exchange
pada tanggal transaksi. Pada akhir periode pelaporan, rates prevailing at the dates of the transactions. At the
aset dan liabilitas moneter dalam mata uang asing end of the reporting period, monetary assets and
dijabarkan ke dalam Rupiah dengan menggunakan kurs liabilities denominated in foreign currencies are
tengah yang ditetapkan oleh Bank Indonesia pada translated into Rupiah using the middle rates of
tanggal tersebut. Laba atau rugi dari selisih kurs mata exchange quoted by Bank Indonesia at such dates.
uang asing dan penjabaran aset dan liabilitas moneter Exchange gains and losses arising on foreign currency
dalam mata uang Rupiah diakui dalam laba rugi periode transactions and on the translation of foreign currency
berjalan, kecuali untuk laba atau rugi pertukaran yang monetary assets and liabilities into Rupiah are
timbul dari penjabaran laporan keuangan operasi asing recognized in the current period profit or loss, except for
ke mata uang penyajian Perusahaan, yang diakui the exchange gains and losses arising on the translation
langsung dalam penghasilan komprehensif lain. of the foreign operation’s financial statements into the
presentation currency of the Company, which are
recognized directly in other comprehensive income.
Pada akhir periode laporan, pos aset dan liabilitas At the end of the reporting period, assets and liabilities
dalam mata uang asing dilaporkan ke dalam mata uang in foreign currencies are translated into Rupiah using
Rupiah dengan mempergunakan kurs tengah Bank the middle exchanges rates quoted by Bank Indonesia
Indonesia pada tanggal tersebut, yaitu sebagai berikut: at such dates, which are as follows:
2025 2024
1 Poundsterling Inggris/British Pound Sterling (GBP) 22.666 20.333
1 Franc Swiss/Swiss Franc (CHF) 21.274 17.921
1 Euro/Euro (EUR) 19.753 16.851
1 Dolar Amerika Serikat/United States Dollar (USD) 16.782 16.162
1 Dolar Singapura/Singapore Dollar (SGD) 13.069 11.919
1 Dolar Kanada/Canadian Dollar (CAD) 12.264 11.225
1 Dolar Australia/Australian Dollar (AUD) 11.255 10.082
1 Dolar Selandia Baru/New Zealand (NZD) 9.756 9.153
1 Ringgit Malaysia/Malaysian Ringgit (MYR) 4.144 3.616
1 China Yuan/Chinese Yuan (CNY) 2.401 2.214
1 Dolar Hong Kong/Hong Kong Dollar (HKD) 2.157 2.082
1 Kronor Swedia/Swedish Krona (SEK) 1.829 1.470
1 Baht Thailand/Thailand Baht (THB) 533 476
100 Yen Jepang/Japan Yen (JPY) 108 102
u. Biaya Emisi Penerbitan Saham u. Shares Issuance Cost
Biaya-biaya yang terjadi sehubungan dengan Costs incurred related to the public offering (including
penawaran saham kepada masyarakat (termasuk rights issue) are deducted from the proceeds and
penerbitan hak memesan efek terlebih dahulu) presented as a deduction of “Additional Paid-in Capital”
dikurangkan langsung dari hasil emisi dan disajikan account, under Equity section in the statement of
sebagai pengurang pada akun “Tambahan Modal financial position.
Disetor”, sebagai bagian dari Ekuitas pada laporan
posisi keuangan.
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN ASSUMPTIONS
Penyusunan laporan keuangan Perusahaan mengharuskan The preparation of the Company’s financial statements
manajemen untuk membuat pertimbangan, estimasi dan requires management to make judgments, estimates and
asumsi yang memengaruhi nilai yang dilaporkan dan assumptions that affect the reported amounts herein, and
pengungkapan yang terkait, pada akhir periode pelaporan. the related disclosures, at the end of the reporting
Ketidakpastian mengenai asumsi dan estimasi tersebut period. However, uncertainty about these assumptions and
dapat mengakibatkan penyesuaian material terhadap nilai estimates could result in outcomes that require a material
tercatat pada aset dan liabilitas dalam periode pelaporan adjustment to the carrying amount of the asset and liability
berikutnya. affected in future periods.
34
Page 401
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN (Lanjutan) ASSUMPTIONS (Continued)
a. Pertimbangan dalam Penerapan Kebijakan Akuntansi a. Judgments in Applying Accounting Policies
Dalam proses penerapan kebijakan akuntansi In the process of applying the Company’s accounting
Perusahaan, manajemen telah membuat keputusan policies, management has made the following
berikut, yang memiliki pengaruh paling signifikan judgments, which have the most significant effect on
terhadap nilai yang diakui dalam laporan keuangan: the amounts recognized in financial statements:
Klasifikasi Instrumen Keuangan Classification of Financial Instruments
Perusahaan menetapkan klasifikasi atas aset dan The Company determines the classifications of certain
liabilitas tertentu sebagai aset keuangan dan liabilitas assets and liabilities as financial assets and financial
keuangan dengan mempertimbangkan bila definisi liabilities by judging if they meet the definition set forth
yang ditetapkan PSAK No. 109 dipenuhi. Dengan in PSAK No. 109. Accordingly, the financial assets and
demikian, aset keuangan dan liabilitas keuangan diakui financial liabilities are accounted for in accordance with
sesuai dengan kebijakan akuntansi Perusahaan seperti the Company’s accounting policies disclosed in Note 2d.
diungkapkan pada Catatan 2d.
Penentuan Mata Uang Fungsional Determination of Functional Currency
Mata uang fungsional Perusahaan adalah mata uang The functional currency of the Company is the currency
dari lingkungan ekonomi primer di mana entitas of the primary economic environment in which each
beroperasi. Mata uang tersebut adalah mata uang entity operates. It is the currency that mainly influences
yang memengaruhi pendapatan dan beban pokok the revenue and cost of revenue. Based on the
pendapatan. Berdasarkan penilaian manajemen Company’s management assessment, the Company’s
Perusahaan mata uang fungsional adalah Rupiah. functional currency is Rupiah.
Pajak Penghasilan Income Tax
Pertimbangan signifikan dilakukan dalam menentukan Significant judgement is involved in determining
provisi atas pajak penghasilan badan. Terdapat provision for corporate income tax. There are certain
transaksi dan perhitungan tertentu yang penentuan transactions and computations for which the ultimate
pajak akhirnya adalah tidak pasti sepanjang kegiatan tax determination is uncertain during the ordinary
usaha normal. Perusahaan mengakui liabilitas atas course of business. The Company recognizes liabilities
pajak penghasilan badan berdasarkan estimasi apakah for expected corporate income tax issues based on
terdapat tambahan pajak penghasilan badan. estimates of whether additional corporate income tax
will be due.
Sewa Leases
Penentuan apakah suatu perjanjian mengandung unsur Determining whether an arrangement is or contains a
sewa membutuhkan pertimbangan yang cermat untuk lease requires careful judgment to assess whether the
menilai apakah perjanjian tersebut memberikan hak arrangement conveys a right to obtain substantially all
untuk mendapatkan secara substansial seluruh the economic benefits from use of the asset throughout
manfaat ekonomik dari penggunaan aset identifikasian the period of use and right to direct the use of the asset,
dan hak untuk mengarahkan penggunaan aset even if the right is not explicitly specified in the
identifikasian, bahkan jika hak tersebut tidak arrangement.
dijabarkan secara eksplisit di perjanjian.
Perusahaan mempunyai beberapa perjanjian sewa di The Company has various lease agreements where
mana Perusahaan bertindak sebagai penyewa untuk the Company acts as a lessee in respect of certain
beberapa aset tertentu. Perusahaan mengevaluasi assets. The Company evaluates whether significant
apakah terdapat risiko dan manfaat kepemilikan yang risks and rewards of ownership of the leased asset are
signifikan dari aset sewaan yang dialihkan kepada transferred to the lessee based on PSAK No. 116, which
berdasarkan PSAK No. 116, yang mensyaratkan requires the Company to make judgments and
Perusahaan untuk membuat pertimbangan dan estimates of transfer of risks and rewards of ownership
estimasi dari pengalihan risiko dan manfaat terkait atas of a leased asset.
kepemilikan aset sewaan.
35
Page 402
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN (Lanjutan) ASSUMPTIONS (Continued)
a. Pertimbangan dalam Penerapan Kebijakan Akuntansi a. Judgments in Applying Accounting Policies
Sewa (Lanjutan) Leases (Continued)
Karena Perusahaan tidak dapat dengan mudah Since the Company could not readily determine the
menentukan suku bunga implisit, manajemen implicit rate, management used the Company’s
menggunakan suku bunga pinjaman inkremental incremental borrowing rate as a discount rate. There are
Perusahaan sebagai tingkat diskonto. Ada beberapa a number of factors to consider in determining an
faktor yang perlu dipertimbangkan dalam menentukan incremental borrowing rate, many of which need
suku bunga pinjaman inkremental, yang banyak di judgment in order to be able to reliably quantify any
antaranya memerlukan pertimbangan untuk dapat necessary adjustments to arrive at the final discount
secara andal mengukur penyesuaian yang diperlukan rates. In determining an incremental borrowing rate, the
untuk sampai pada tingkat diskonto akhir. Dalam Company considers the following main factors: the
menentukan suku bunga pinjaman inkremental, Company’s corporate credit risk, the lease term, the
Perusahaan mempertimbangkan faktor-faktor utama lease payment term, the economic environment, the
berikut: risiko kredit korporat Perusahaan, jangka waktu time at which the lease is entered into, and the currency
sewa, jangka waktu pembayaran sewa, lingkungan in which the lease payments are denominated.
ekonomi, waktu di mana sewa dimasukkan, dan mata
uang di mana pembayaran sewa ditentukan.
Dalam menentukan jangka waktu sewa, Perusahaan In determining the lease term, the Company considers
mempertimbangkan semua fakta dan keadaan yang all facts and circumstances that create an economic
menimbulkan insentif ekonomi untuk menggunakan incentive to exercise an extension option, or not
opsi perpanjangan, atau tidak menggunakan opsi exercise a termination option. Extension options (or
penghentian. Opsi perpanjangan (atau periode setelah periods after termination options) are only included in
opsi penghentian kontrak kerja) hanya termasuk dalam the lease term if the lease is reasonably certain to be
jangka waktu sewa jika cukup pasti akan diperpanjang extended (or not terminated). The lease term is
(atau tidak dihentikan). Penilaian tersebut ditinjau reviewed if a significant event or a significant change in
kembali jika terjadi peristiwa signifikan atau perubahan circumstances occurs which affects this assessment
signifikan dalam situasi yang memengaruhi penilaian ini and that is within the control of the Company.
dan berada dalam kendali Perusahaan.
Untuk tahun yang berakhir pada tanggal 31 Desember For the year ended December 31, 2025, there is no
2025, tidak ada revisi persyaratan sewa untuk revision of lease terms to reflect the effect of exercising
mencerminkan efek dari melaksanakan opsi extension and termination options.
perpanjangan dan penghentian hubungan kerja.
b. Asumsi dan Sumber Estimasi Ketidakpastian b. Assumption and key sources of estimation uncertainty
Asumsi utama masa depan dan ketidakpastian sumber The key assumptions concerning the future and other
estimasi utama yang lain pada tanggal pelaporan yang key sources of estimation uncertainty at the reporting
memiliki risiko signifikan bagi penyesuaian yang date, that have a significant risk of causing a material
material terhadap nilai tercatat aset dan liabilitas untuk adjustment to the carrying amounts of assets and
tahun berikutnya diungkapkan di bawah ini. liabilities within the next financial year, are described
Perusahaan mendasarkan asumsi dan estimasi pada below. The Company based its assumptions and
parameter yang tersedia pada saat laporan keuangan estimates on parameters available when the financial
disusun. Asumsi dan situasi mengenai perkembangan statements were prepared. Existing circumstances and
masa depan mungkin berubah akibat perubahan pasar assumptions about future developments may change
atau situasi di luar kendali Perusahaan. Perubahan due to market changes or circumstances arising beyond
tersebut dicerminkan dalam asumsi terkait pada saat the control of the Company. Such changes are reflected
terjadinya. in the assumptions when they occur.
Penyisihan Kerugian Penurunan Nilai Aset Keuangan Allowance for Impairment Losses of Financial Assets
Perusahaan menetapkan estimasi penyisihan The Company estimates impairment allowance for other
penurunan nilai piutang lain-lain dan investasi receivables and investment using simplified approach
menggunakan pendekatan yang disederhanakan dari of ECL. In addition to specific allowance against
KKE. Selain penyisihan khusus terhadap piutang dan individually significant receivables and investment, the
investasi signifikan individual, Perusahaan juga Company also recognizes a collective impairment
mengakui penyisihan penurunan nilai kolektif dengan allowance using provision matrix.
menggunakan matriks provisi.
36
Page 403
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN (Lanjutan) ASSUMPTIONS (Continued)
b. Asumsi dan Sumber Estimasi Ketidakpastian (Lanjutan) b. Assumption and key sources of estimation uncertainty
(Continued)
Penyisihan Kerugian Penurunan Nilai Aset Keuangan Allowance for Impairment Losses of Financial Assets
Matriks provisi digunakan untuk menghitung KKE untuk A provision matrix is used to determine ECL for other
piutang lain-lain dan investasi. Tarif provisi didasarkan receivable and investment, where the provision rates
pada hari tunggakan untuk pengelompokan berbagai are based on days past due for groupings of various
segmen pelanggan yang memiliki pola kerugian serupa. customer segments that have similar loss patterns.
Matriks provisi awalnya didasarkan pada riwayat tingkat The provision matrix is initially based on the customers
kerugian pemegang polis. Perusahaan akan melakukan historical observed loss rates. The Company will adjust
penyesuaian pengalaman kerugian historis dengan the historical observed loss experience with forward-
informasi berwawasan ke depan. Misalnya, jika looking information. For instance, if forecast economic
prakiraan kondisi ekonomi yang terkait erat dengan conditions closely related to the historical observed loss
riwayat tingkat kerugian diperkirakan akan memburuk are expected to deteriorate over the next year which can
pada tahun berikutnya yang dapat menyebabkan lead to an increased number of defaults in the sectors
peningkatan jumlah gagal bayar pada sektor-sektor where customers are operating, the historical losses
pelanggan beroperasi, riwayat tingkat kerugian are adjusted accordingly. At every reporting date, the
disesuaikan. Pada setiap tanggal pelaporan, riwayat historical observed loss rates are updated and changes
tingkat gagal bayar yang diamati diperbarui dan in the forward-looking estimates are analyzed.
perubahan dalam estimasi berwawasan ke depan
dianalisis.
Evaluasi atas korelasi antara tingkat gagal bayar yang The assessment of the correlation between historical
diamati secara historis, prakiraan kondisi ekonomi dan observed loss rates, forecast economic conditions and
KKE, adalah estimasi signifikan. Jumlah KKE sensitif ECL, is a significant estimate. The amount of ECL is
terhadap perubahan keadaan dan prakiraan kondisi sensitive to changes in circumstances and of forecast
ekonomi. Kerugian kredit historis Perusahaan dan economic conditions. The Company’s historical
perkiraan kondisi ekonomi mungkin tidak mewakili observed loss rate and forecast of economic conditions
tingkat gagal bayar pelanggan aktual di masa depan. may not be representative of customer’s actual default
in the future.
Penjelasan lebih rinci diungkapkan dalam Catatan 2d, 6 Further details are disclosed in Notes 2d, 6 and 7.
dan 7.
Nilai Wajar Instrumen Keuangan Fair Value of Financial Instruments
Perusahaan mencatat aset dan liabilitas keuangan The Company carries certain financial assets and
tertentu pada nilai wajar, yang mengharuskan liabilities at fair values, which require the use of
penggunaan estimasi akuntansi. Sementara komponen accounting estimates. While significant components of
signifikan atas pengukuran nilai wajar ditentukan fair value measurement were determined using
menggunakan bukti objektif yang dapat diverifikasi, verifiable objective evidence, the amount of changes in
jumlah perubahan nilai wajar dapat berbeda bila fair values would differ if the Company utilized different
Perusahaan menggunakan metodologi penilaian yang valuation methodology. Any changes in fair values of
berbeda. Perubahan nilai wajar aset dan liabilitas these financial assets and liabilities would directly affect
keuangan tersebut dapat memengaruhi secara the Company’s profit or loss or other comprehensive
langsung laba rugi atau penghasilan komprehensif lain income.
Perusahaan.
Penjelasan lebih rinci diungkapkan dalam Catatan 2d Further details are disclosed in Notes 2d and 31.
dan 31.
Liabilitas Imbalan Pasca kerja Post-employment Benefits Liabilities
Penentuan liabilitas imbalan pasca kerja Perusahaan The determination of the Company’s post-employment
dan beban terkait bergantung pada pemilihan asumsi benefits liabilities and related expenses is dependent on
yang digunakan oleh aktuaris independen dalam its selection of certain assumptions used by the
menghitung jumlah-jumlah tersebut. Asumsi tersebut independent actuaries in calculating such amounts.
termasuk antara lain, tingkat diskonto, tingkat kenaikan Those assumptions include among others, discount
gaji tahunan, tingkat pengunduran diri karyawan rates, future annual salary increase, annual employee
tahunan, tingkat kecacatan, umur pensiun, dan tingkat turn-over rate, disability rate, retirement age, and
kematian. mortality rate.
37
Page 404
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN (Lanjutan) ASSUMPTIONS (Continued)
b. Asumsi dan Sumber Estimasi Ketidakpastian (Lanjutan) b. Assumption and key sources of estimation uncertainty
(Continued)
Liabilitas Imbalan Pasca kerja (Lanjutan) Post-employment Benefits Liabilities (Continued)
Hasil aktual yang berbeda dari asumsi yang ditetapkan Actual results that different from the Company’s
Perusahaan diakui segera dalam laba rugi dan pada assumptions are recognized immediately in the profit or
saat terjadi. Sementara Perusahaan berkeyakinan loss as and when they occurred. While the Company
bahwa asumsi tersebut adalah wajar dan sesuai, believes that its assumptions are reasonable and
perbedaan signifikan pada hasil aktual atau perubahan appropriate, significant differences in the Company’s
signifikan dalam asumsi yang ditetapkan Perusahaan actual experiences or significant changes in the
dapat memengaruhi secara material liabilitas imbalan Company’s assumptions may materially affect its post-
pasca kerja dan beban imbalan kerja. Penjelasan lebih employment benefits liabilities and employee benefits
rinci diungkapkan dalam Catatan 2n dan 15. expense. Further details are disclosed in Notes 2n and
15.
Penyusutan Aset tetap, Aset Hak-guna dan Amortisasi Depreciation of Fixed Assets, Right-of-use Assets and
Aset Takberwujud Amortization Intangible Assets
Biaya perolehan aset tetap, aset hak-guna dan aset The cost of fixed assets, right-of-use assets, intangible
takberwujud disusutkan dan diamortisasi dengan assets are depreciated and depreciated on a straight-
menggunakan metode garis lurus berdasarkan line basis over their estimated useful lives.
taksiran masa manfaat ekonomiknya. Manajemen Management properly estimates the useful lives of
mengestimasi masa manfaat ekonomik aset ini antara these assets to be within 5 to 20 years. These are
5 sampai dengan 20 tahun. Ini adalah umur secara common life expectations applied in the industry where
umum diharapkan dalam industri di mana Perusahaan the Company conducts its business. Changes in the
menjalankan bisnisnya. Perubahan tingkat pemakaian expected level of usage and technological development
dan perkembangan teknologi dapat memengaruhi could impact the economic useful lives and the residual
masa manfaat ekonomik dan nilai sisa aset, dan value of these assets, and therefore future depreciation
karenanya biaya penyusutan masa depan mungkin charges could be revised.
direvisi.
Penjelasan lebih rinci diungkapkan dalam Catatan 2h, Further details are disclosed in Notes 2h, 2i, 2j, 9a, 10
2i, 2j, 9a, 10 dan 11. and 11.
Revaluasi Properti Investasi Investment Properties Revaluation
Perusahaan mencatat properti investasi pada nilai The Company carries its investment properties at fair
wajar, dengan perubahan nilai wajar yang diakui dalam value, with changes in fair value being recognized in
laba rugi. Perusahaan menggunakan spesialis penilai profit or loss. The Company engaged independent
independen untuk menentukan nilai wajar pada tanggal valuation specialists to determine the fair value as at
31 Desember 2025. Untuk properti investasi, penilaian December 31, 2025. For the investment properties, the
ditentukan berdasarkan transaksi pasar terkini yang valuation was determined by reference to recent market
dilakukan dalam ketentuan-ketentuan yang wajar. transactions on arm’s length terms.
Penentuan nilai wajar properti investasi sesuai dengan The determined fair value of the investment properties
Standar Penilaian Indonesia, ditentukan berdasarkan is carries out in accordance with Indonesian Valuation
transaksi pasar terkini dan dilakukan dengan Standards, was determined by reference to recent
ketentuan-ketentuan yang lazim. Metode penilaian yang market transactions on arm’s length terms. Appraisal
digunakan adalah Metode Data Pasar, dijelaskan lebih method used is Market Data Method, as futher
lanjut dalam Catatan 7c. explanation in Note 7c.
Aset Pajak Tangguhan Deferred Tax Assets
Aset pajak tangguhan diakui atas seluruh perbedaan Deferred tax assets are recognized for all deductible
temporer yang dapat dikurangkan, sepanjang besar temporary differences, to the extent that it is probable
kemungkinannya bahwa penghasilan kena pajak akan that taxable profit will be available against which
tersedia sehingga perbedaan temporer tersebut the deductible temporary differences. Significant
dapat digunakan. Estimasi signifikan oleh manajemen management estimates are required to determine the
disyaratkan dalam menentukan jumlah aset pajak amount of deferred tax assets that can be recognized,
tangguhan yang dapat diakui, berdasarkan saat based upon the likely timing and the level of the future
penggunaan dan tingkat penghasilan kena pajak serta taxable profits together with future tax planning
strategi perencanaan pajak masa depan. strategies.
38
Page 405
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
3. PERTIMBANGAN, ESTIMASI, DAN ASUMSI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS, ESTIMATES, AND
SIGNIFIKAN (Lanjutan) ASSUMPTIONS (Continued)
b. Asumsi dan Sumber Estimasi Ketidakpastian (Lanjutan) b. Assumption and key sources of estimation uncertainty
(Continued)
Aset Pajak Tangguhan (Lanjutan) Deferred Tax Assets (Continued)
Penjelasan lebih rinci diungkapkan dalam Catatan 2m Further details are disclosed in Notes 2m and 26c.
dan 26c.
Aset/Liabilitas Kontrak Asuransi dan Reasuransi Insurance and Reinsurance Contract Assets/Liabilities
Perusahaan menentukan estimasi terkini yang tidak The Company determines unbiased current estimates of
bias atas arus kas masa depan, penyesuaian atas risiko future cash flows, adjustments for financial risk related
keuangan terkait nilai waktu uang dan arus kas masa to the time value of money and future cash flows, and
depan, serta penyesuaian risiko untuk risiko non- the risk adjustment for non-financial risk when
keuangan dalam mengukur nilai kini dari arus kas measuring the present value of fulfillment cash flows of
pemenuhan liabilitas untuk sisa masa pertanggungan liabilities for remaining coverage and liabilities for
dan liabilitas atas klaim yang telah terjadi. Pengukuran incurred claims. Such measurement of the present
nilai kini atas arus kas pemenuhan tersebut ditentukan value of fulfillment cash flows is determined based on
berdasarkan estimasi variabel pasar yang relevan, estimates of relevant market variables, judgment
pertimbangan atas ketidakpastian jumlah dan waktu regarding the uncertainty of the amount and timing of
arus kas masa depan, serta asumsi aktuaria, ekonomi, future cash flows, as well as actuarial, economic
dan risiko lainnya. assumptions, and other risks.
Perusahaan menghitung laba dari penyediaan jasa The Company calculates profit from the provision of
kontraktual berdasarkan jumlah unit pertanggungan contractual services based on the number of coverage
untuk suatu kelompok kontrak asuransi. Jumlah unit units for a group of insurance contracts. The number of
pertanggungan untuk kelompok kontrak asuransi coverage units for a group of insurance contracts is
ditentukan oleh unit kuantitatif dari jasa kontrak determined by the quantity of insurance contract
asuransi dan estimasi durasi pertanggungannya. services and their expected coverage duration.
Penjelasan lebih rinci diungkapkan dalam Catatan 2k Further details are disclosed in Notes 2k and 14.
dan 14.
Penurunan Nilai Aset Nonkeuangan Impairment of Non-financial Assets
Suatu penurunan nilai dapat terjadi pada saat nilai An impairment exists when the carrying value of an
tercatat aset melebihi jumlah terpulihkannya, yaitu yang asset exceeds its recoverable amount, which is the
lebih tinggi dari nilai wajar dikurangi biaya untuk higher of its fair value less costs to sell and its value in
menjual dan nilai pakainya. Perhitungan nilai wajar use. The fair value less costs to sell calculation is based
dikurangi biaya untuk menjual berdasarkan atas data on available data from binding sales transactions in an
yang tersedia dari transaksi penjualan yang mengikat arm’s length transaction of similar assets or observable
dalam transaksi aset yang serupa atau harga pasar market prices less incremental costs for disposing the
yang dapat diobservasi dikurangi biaya tambahan untuk asset. In assessing the value in use, the estimated net
melepas aset. Dalam menilai nilai pakai, estimasi neto future cash flows are discounted to their present value
atas arus kas masa depan didiskontokan ke nilai kini using a pre-tax discount rate that reflects current
menggunakan tingkat diskonto sebelum pajak yang market assessments of the time value of money and the
mencerminkan penilaian pasar saat ini atas nilai waktu risks specific to the asset.
dari uang dan risiko tertentu terhadap aset.
Dalam menentukan nilai wajar dikurangi biaya untuk In determining fair value less costs to sell, recent market
menjual, transaksi pasar terbaru diperhitungkan, jika transactions are taken into account, if available. If no
ada. Jika tidak terdapat transaksi tersebut yang dapat such transactions can be identified, the Company uses
diidentifikasi, Perusahaan menggunakan model an appropriate valuation model to determine the fair
penilaian yang sesuai untuk menentukan nilai wajar value of the assets. These calculations are corroborated
aset. Perhitungan ini dikuatkan oleh penilaian berganda by valuation multiples or other available fair value
atau indikator nilai wajar lain yang tersedia. Perhitungan indicators. The value in use calculation is based on a
nilai pakai didasarkan atas model arus kas yang discounted cash flows model.
didiskontokan.
Berdasarkan penilaian Perusahaan, tidak terdapat Based on the assessment of Company, there are no
kejadian atau perubahan kondisi yang mengindikasikan events or changes in circumstances that may indicate
adanya penurunan nilai aset nonkeuangan pada impairment in the value of non-financial assets as at
tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024.
39
Page 406
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
4. KAS DAN BANK 4. CASH ON HAND AND IN BANKS
2025 2024
Kas 4.500.000 4.500.000 Cash on hand
Bank Cash in banks
Pihak ketiga Third parties
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 5.020.963.471 334.192.961 (Persero) Tbk
PT CIMB Niaga Tbk 3.064.168.372 1.053.061.978 PT CIMB Niaga Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 2.652.199.689 2.713.300.826 (Persero) Tbk
PT Bank Central Asia Tbk 1.498.460.394 2.321.612.846 PT Bank Central Asia Tbk
PT Bank IBK Indonesia Tbk 141.758.607 104.771.629 PT Bank IBK Indonesia Tbk
PT Bank Maybank Indonesia Tbk 83.409.511 88.832.117 PT Bank Maybank Indonesia Tbk
PT Bank Permata Tbk 75.999.494 157.218.005 PT Bank Permata Tbk
PT PT Bank Hibank Indonesia 58.615.394 52.489.546 PT Bank Hibank Indonesia
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Banten (Perseroda) Tbk 51.145.890 7.386.396 Banten (Perseroda) Tbk
PT Bank Seabank Indonesia 39.059.940 PT Bank Seabank Indonesia
PT Bank Mandiri (Persero) Tbk 32.615.592 84.467.405 PT Bank Mandiri (Persero) Tbk
PT Bank Danamon Indonesia Tbk 25.972.767 25.089.051 PT Bank Danamon Indonesia Tbk
PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah
Jawa Timur Tbk 20.308.506 - Jawa Timur Tbk
PT Bank Sinarmas Tbk 11.832.328 24.488.271 PT Bank Sinarmas Tbk
PT Bank Mayapada PT Bank Mayapada
Internasional Tbk 8.134.633 31.247.219 Internasional Tbk
PT Bank China Construction Bank PT Bank China Construction Bank
Indonesia Tbk 7.306.695 7.571.926 Indonesia Tbk
PT Bank Shinhan Indonesia 4.449.568 24.936.715 PT Bank Shinhan Indonesia
PT Bank KB Indonesia Tbk 1.870.000 2.260.000 PT Bank KB Indonesia Tbk
PT Bank Mestika Dharma Tbk 1.823.629 1.700.709 PT Bank Mestika Dharma Tbk
PT Bank KEB Hana Indonesia 1.223.661 1.223.661 PT Bank KEB Hana Indonesia
PT Bank JTrust Indonesia Tbk 1.030.356 - PT Bank JTrust Indonesia Tbk
PT Super Bank Indonesia - 7.547.858.750 PT Super Bank Indonesia
PT Bank Nationalnobu Tbk - 788.547.814 PT Bank Nationalnobu Tbk
PT Bank DBS Indonesia - 10.328.279 PT Bank DBS Indonesia
PT Bank Woori Saudara PT Bank Woori Saudara
Indonesia 1906 Tbk - 411.890 Indonesia 1906 Tbk
Subjumlah 12.802.348.497 15.382.997.994 Sub-total
Pihak berelasi (Catatan 28) Related party (Note 28)
PT Bank Nationalnobu Tbk 706.533.081 - PT Bank Nationalnobu Tbk
Jumlah 13.513.381.578 15.387.497.994 Total
a. Berdasarkan Mata Uang a. By Currency
2025 2024
Rupiah 12.402.046.323 14.578.110.649 Rupiah
Dolar Amerika Serikat 1.111.335.255 809.387.345 United States Dollar
Jumlah 13.513.381.578 15.387.497.994 Total
b. Informasi Lainnya b. Other Information
Informasi lainnya sehubungan dengan kas dan bank Other information relating to cash on hand and in banks
adalah sebagai berikut: are as follows:
• Kas di bank dapat ditarik setiap saat; • Cash in banks can be withdrawn at any time;
• Tingkat suku bunga kontraktual bank jangka pendek • Contractual interest rates on cash in banks are as
adalah sebagai berikut: follows:
40
Page 407
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
4. KAS DAN BANK (Lanjutan) 4. CASH ON HAND AND IN BANKS (Continued)
b. Informasi Lainnya (Lanjutan) b. Other Information (Continued)
2025 2024
Rupiah 0,20% - 3,50% 0,25% - 2,00% Rupiah
Dolar Amerika Serikat 0,10% - 0,50% 0,01% - 0,11% United States Dollar
Eksposur maksimum terhadap risiko kredit pada akhir The maximum exposure to credit risk at the end of the
periode pelaporan adalah senilai jumlah tercatat dari reporting period is the carrying amount of each class of
setiap kelas kas dan bank sebagaimana yang cash on hand and in banks mentioned above.
dijabarkan di atas.
Manajemen berpendapat bahwa kas dan bank pada Management believes that cash on hand and in banks
tahun 2025 dan 2024 tidak mengalami penurunan 2025 and 2024 are not impaired, so that no provision
nilai, sehingga tidak dibentuk penyisihan. has been made.
Berdasarkan hasil penelaahan terhadap bank pada Based on the result of the review over cash in banks at
akhir tahun, Manajemen berpendapat bahwa bank the end of the year, management believes that cash in
tersebut tidak terdapat penurunan nilai sehingga tidak banks has no impairment therefore no allowance was
dibentuk cadangan. formed.
5. ASET KONTRAK REASURANSI 5. REINSURANCE CONTRACT ASSETS
Akun ini terdiri dari: This account consists of:
2025 2024
Estimasi aset reasuransi: Estimated reinsurance asset
Sisa masa pertanggungan 134.758.357.661 88.672.541.648 Remaining coverage
Klaim yang terjadi 787.399.189.348 695.823.678.577 Incurred claim
Subjumlah 922.157.547.009 784.496.220.225 Sub-total
Cadangan kerugian penurunan nilai ( 43.473.671.645) ( 15.805.133.375) Allowance for impairment losses
Neto 878.683.875.364 768.691.086.850 Net
Mutasi aset kontrak reasuransi sebagai berikut: The movements of reinsurance contract assets as follows:
2025 2024
Saldo awal tahun 768.691.086.850 862.478.949.053 Beginning balance
Beban dari kontrak Reinsurance contract
reasuransi milikan ( 224.880.009.422) ( 256.888.909.921) expense
Pendapatan keuangan 1.978.057.184 9.796.261.149 Finance income
Arus kas 332.894.740.752 153.304.786.569 Cash flows
Saldo akhir tahun 878.683.875.364 768.691.086.850 Ending balance
41
Page 408
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. ASET KONTRAK REASURANSI (Lanjutan) 5. REINSURANCE CONTRACT ASSETS (Continued)
Rincian dan mutasi aset kontrak reasuransi sebagai The details and movement of reinsurance contract asset as
berikut: follows:
2025
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Saldo awal nilai buku/
Net book value at
beginning balance 68.276.389.360 4.591.018.913 660.754.887.345 35.068.791.232 768.691.086.850
Aset kontrak
reasuransi/
Reinsurance
contract assets 68.276.389.360 4.591.018.913 660.754.887.345 35.068.791.232 768.691.086.850
Liabilitas kontrak
reasuransi/
Reinsurance
contract liabilities - - - - -
Alokasi premi
reasuransi/
Allocation of
reinsurance premium (510.340.705.588) - - - (510.340.705.588)
Jumlah pemulihan
dari reasuransi/
Amounts recoverable
from reinsurer - (2.252.151.000) 283.653.567.985 4.059.279.181 285.460.696.166
Klaim dan beban
layanan asuransi/
Claims and
insurance service
expense - - 343.044.071.132 21.276.519.590 364.320.590.722
Perubahan arus kas
atas kejadian
klaim/Cash flows
change in incurred
claim - - (59.390.503.147) (17.217.240.409) (76.607.743.556)
Pemuliahan
komponen
kerugian/Loss
recovery component - (2.252.151.000) - - (2.252.151.000)
Beban reasuransi
bersih (margin)/
Reinsurance net
cost (margin) (510.340.705.588) (2.252.151.000) 283.653.567.985 4.059.279.181 (224.880.009.422)
Pendapatan
keuangan bersih
reasuransi/Net
reinsurance finance
income 2.803.853.241 - 26.842.742.213 - 29.646.595.454
Dampak perubahan
selisih kurs/Effect
of movements in
exchange rate - - - - -
Dampak perubahan
risiko nonkinerja
reasuransi/Effect of
changes in
nonperformance
risk of reinsurer (27.668.538.270) - - - (27.668.538.270)
42
Page 409
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. ASET KONTRAK REASURANSI (Lanjutan) 5. REINSURANCE CONTRACT ASSETS (Continued)
2025 (Lanjutan/Continued)
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Pendapatan keuangan
bersih reasuransi/
Net reinsurance
finance income (24.864.685.029) - 26.842.742.213 - 1.978.057.184
Komponen investasi
reasuransi/
Reinsurance
investment
components (1.079.174.340) - 1.079.174.340 - -
Arus kas/Cash flows 556.953.993.700 - (224.059.252.948) - 332.894.740.752
Premi dan biaya
serupa yang
dibayarkan/
Premium and
similar expenses
paid 556.953.993.700 - - - 556.953.993.700
Jumlah diterima/
Amounts received - - (224.059.252.948) - (224.059.252.948)
Jumlah arus kas/
Total cash flows - - - - -
Perubahan lainnya/
Other movements - - - - -
Saldo akhir nilai buku/
Net book value at
ending balance 88.945.818.103 2.338.867.913 748.271.118.935 39.128.070.413 878.683.875.364
Aset kontrak
reasuransi/
Reinsurance
contract assets 88.945.818.103 2.338.867.913 748.271.118.935 39.128.070.413 878.683.875.364
Liabilitas kontrak
reasuransi/
Reinsurance
contract liabilities - - - - -
2024
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Saldo awal nilai buku/
Net book value at
beginning balance 65.640.797.480 1.006.674.712 750.468.720.812 45.362.756.049 862.478.949.053
Aset kontrak
reasuransi/
Reinsurance
contract assets 65.640.797.480 1.006.674.712 750.468.720.812 45.362.756.049 862.478.949.053
Liabilitas kontrak
reasuransi/
Reinsurance
contract liabilities - - - - -
43
Page 410
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. ASET KONTRAK REASURANSI (Lanjutan) 5. REINSURANCE CONTRACT ASSETS (Continued)
2024 (Lanjutan/Continued)
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Alokasi premi
reasuransi/
Allocation of
reinsurance premium (452.255.247.057) - - - (452.255.247.057)
Jumlah pemulihan
dari reasuransi/
Amounts recoverable
from reinsurer - 3.584.344.201 202.075.957.752 (10.293.964.817) 195.366.337.136
Klaim dan beban
layanan asuransi/
Claims and
insurance service
expense - - 329.624.742.851 19.912.812.147 349.537.554.998
Perubahan arus kas
atas kejadian
klaim/Cash flows
change in incurred
claim - - (127.548.785.099) (30.206.776.964) (157.755.562.063)
Pemuliahan
komponen
kerugian/Loss
recovery component - 3.584.344.201 - - 3.584.344.201
Beban reasuransi
bersih (margin)/
Reinsurance net
cost (margin) (452.255.247.057) 3.584.344.201 202.075.957.752 (10.293.964.817) (256.888.909.921)
Pendapatan
keuangan bersih
reasuransi/Net
reinsurance finance
income 4.352.676.133 - 10.333.629.991 - 14.686.306.124
Dampak perubahan
selisih kurs/Effect
of movements in
exchange rate - - - - -
Dampak perubahan
risiko nonkinerja
reasuransi/Effect of
changes in
nonperformance
risk of reinsurer (4.890.044.975) - - - (4.890.044.975)
Pendapatan keuangan
bersih reasuransi/
Net reinsurance
finance income (537.368.842) - 10.333.629.991 - 9.796.261.149
Komponen investasi
reasuransi/
Reinsurance
investment
components - - - - -
44
Page 411
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
5. ASET KONTRAK REASURANSI (Lanjutan) 5. REINSURANCE CONTRACT ASSETS (Continued)
2024 (Lanjutan/Continued)
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penysuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Arus kas/Cash flows 455.428.207.779 - (302.123.421.210) - 153.304.786.569
Premi dan biaya
serupa yang
dibayarkan/
Premium and
similar expenses
paid 455.428.207.779 - - - 455.428.207.779
Jumlah diterima/
Amounts received - - (302.123.421.210) - (302.123.421.210)
Jumlah arus kas/
Total cash flows - - - - -
Perubahan lainnya/
Other movements - - - - -
Saldo akhir nilai buku/
Net book value at
ending balance 68.276.389.360 4.591.018.913 660.754.887.345 35.068.791.232 768.691.086.850
Aset kontrak
reasuransi/
Reinsurance
contract assets 68.276.389.360 4.591.018.913 660.754.887.345 35.068.791.232 768.691.086.850
Liabilitas kontrak
reasuransi/
Reinsurance
contract liabilities - - - - -
Mutasi aset kontrak reasuransi sebagai berikut: The movement of reinsurance contract asset as follows:
a. Estimasi aset reasuransi atas sisa masa pertanggungan a. Estimated reinsurance asset of remaining coverage
2025 2024
Harta benda 80.619.951.823 46.897.778.416 Property
Rekayasa 39.738.620.918 26.324.399.476 Engineering
Kredit 6.050.920.879 4.171.148.262 Credit
Kendaraan bermotor 957.762.639 1.296.106.144 Motor vehicles
Rangka kapal 397.122.344 - Marine hull
Rangka pesawat 273.039.688 1.716.004.909 Aviation hull
Kesehatan 77.935.136 750.303.790 Health
Pengangkutan ( 149.053.248) 36.970.315 Marine cargo
Lain-lain 6.792.057.482 7.479.830.336 Others
Jumlah 134.758.357.661 88.672.541.648 Total
b. Estimasi aset reasuransi atas klaim yang terjadi b. Estimated reinsurance asset of incurred claim
2025 2024
Harta benda 610.034.007.509 556.880.911.383 Property
Rekayasa 149.449.109.664 123.239.015.488 Engineering
Kesehatan 7.626.599.340 4.406.419.976 Health
Pengangkutan 7.401.676.169 4.186.880.841 Marine cargo
Kendaraan bermotor 5.031.560.489 2.264.921.806 Motor vehicles
Lain-lain 7.856.236.177 4.845.529.083 Others
Jumlah 787.399.189.348 695.823.678.577 Total
45
Page 412
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
6. PIUTANG LAIN-LAIN 6. OTHER RECEIVABLES
2025 2024
Piutang hasil investasi Investment income receivables
Kupon obligasi 14.139.660.945 12.393.484.674 Interest from bonds
Bunga deposito berjangka 976.018.334 960.060.023 Interest from time deposits
Subjumlah 15.115.679.279 13.353.544.697 Sub-total
Piutang ASO 50.156.971.763 49.077.975.714 ASO receivable
Piutang karyawan 2.825.831.011 3.423.449.074 Employee receivables
Piutang pihak ketiga 750.000.000 - Third party receivable
Lain-lain 1.981.190.947 2.842.338.569 Others
Subjumlah 70.829.673.000 68.697.308.054 Sub-total
Cadangan kerugian penurunan nilai Allowance for impairment losses
atas piutang lain-lain ( 1.081.093.384) ( 1.081.093.384) of other receivables
Neto 69.748.579.616 67.616.214.670 Net
Seluruh piutang lain-lain dalam Rupiah. All other receivables are in Rupiah.
Pada tanggal 31 Desember 2025 dan 2024 cadangan As at December 31, 2025 and 2024, allowance for
kerugian penurunan nilai atas piutang lain-lain masing- impairment losses of other receivables amounted to
masing adalah sebesar Rp1.081.093.384. Tidak terdapat Rp1,081,093,384. No provision for impairment and
penambahan, pemulihan, atau penghapusan cadangan reversal or write-off of allowance for impairment on other
penambahan kerugian penurunan nilai atas piutang pihak receivables were recognized in 2025 and 2024.
ketiga pada 2025 dan 2024.
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for impairment is
penurunan piutang lain-lain adalah cukup untuk menutup adequate to cover possible losses which might arise from
kerugian yang mungkin timbul akibat tak tertagihnya uncollectible other receivables.
piutang lain-lain.
Piutang karyawan merupakan pinjaman kepada karyawan Employee receivables are non-interest bearing and
yang tidak dikenakan bunga, dimana pembayaran diangsur payments are collected through monthly payroll deductions.
melalui pemotongan gaji.
Piutang ASO merupakan piutang yang timbul dari perjanjian ASO receivables represent receivables arising from
Administrative Services Only (ASO), yang mencerminkan Administrative Services Only (ASO) arrangements, reflecting
tagihan atas jasa administrasi tanpa penanggungan risiko billings for administrative services provided without
asuransi. assuming insurance risk.
7. INVESTASI 7. INVESTMENTS
2025 2024
Efek 1.368.334.492.999 1.003.982.771.839 Marketable securities
Deposito berjangka 620.681.114.566 433.037.723.739 Time deposits
Properti investasi 86.653.000.000 87.135.000.000 Investment properties
Investasi lain 2.498.610.151 - Other investment
Penyertaan saham 1.131.124.980 1.110.506.611 Investment in shares
Jumlah 2.079.298.342.696 1.525.266.002.189 Total
46
Page 413
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek a. Marketable Securities
2025 2024
Aset keuangan diukur dengan Financial assets measured at
biaya diamortisasi 958.411.401.339 927.214.175.554 amortized cost
Aset keuangan yang diukur pada Financial assets measured at fair
nilai wajar melalui laba rugi 389.232.304.460 76.768.596.285 value through profit or loss
Aset keuangan yang diukur pada Financial assets measured at fair
nilai wajar melalui penghasilan value through other
komprehensif lain 20.690.787.200 - comprehensive income
Jumlah 1.368.334.492.999 1.003.982.771.839 Total
Rincian investasi efek adalah sebagai berikut: The details of investment in marketable securities are as
follows:
2025 2024
Aset keuangan diukur dengan Financial assets measured at
biaya diamortisasi amortized cost
Obligasi - pihak ketiga Bonds - third parties
Rupiah Rupiah
Surat Berharga Syariah Negara Government Shariah Securities
PBS032 145.000.000.000 145.000.000.000 PBS032
Obligasi Negara Seri FR0076 92.000.000.000 92.000.000.000 Government Bonds FR0076
Obligasi Negara Seri FR0083 80.000.000.000 80.000.000.000 Government Bonds FR0083
Surat Berharga Syariah Government Shariah Securities
Negara PBS003 75.000.000.000 30.000.000.000 PBS003
Obligasi Negara Seri FR0089 69.939.000.000 69.939.000.000 Government Bonds FR0089
Obligasi Negara Seri FR0092 65.000.000.000 65.000.000.000 Government Bonds FR0092
Obligasi Negara Seri FR0097 65.000.000.000 65.000.000.000 Government Bonds FR0097
Surat Berharga Syariah Government Shariah Securities
Negara PBS030 60.000.000.000 10.000.000.000 PBS030
Obligasi Negara Seri FR0075 50.000.000.000 50.000.000.000 Government Bonds FR0075
Obligasi Negara Seri FR0095 40.000.000.000 40.000.000.000 Government Bonds FR0095
Obligasi Negara Seri FR0059 30.000.000.000 30.000.000.000 Government Bonds FR0059
Obligasi Negara Seri FR0064 30.000.000.000 30.000.000.000 Government Bonds FR0064
Obligasi Negara Seri FR0082 30.000.000.000 30.000.000.000 Government Bonds FR0082
Obligasi Negara Seri FR0098 30.000.000.000 30.000.000.000 Government Bonds FR0098
Obligasi Negara Seri FR0074 20.000.000.000 20.000.000.000 Government Bonds FR0074
Obligasi Negara Seri FR0086 15.000.000.000 15.000.000.000 Government Bonds FR0086
Obligasi Negara Seri FR0065 10.000.000.000 - Government Bonds FR0065
Obligasi Negara Seri FR0052 10.000.000.000 10.000.000.000 Government Bonds FR0052
Obligasi Negara Seri FR0080 10.000.000.000 10.000.000.000 Government Bonds FR0080
Obligasi Berkelanjutan III Sustainable Bonds III
Waskita Karya Tahap II Waskita Karya Tahap II Year
Tahun 2018 Seri B 4.739.284.849 4.739.284.849 2018 Series B
Obligasi Negara Seri FR0091 2.000.000.000 2.000.000.000 Government Bonds FR0091
Obligasi Negara Seri FR0047 1.000.000.000 1.000.000.000 Government Bonds FR0047
Surat Berharga Syariah Government Shariah Securities
Negara PBS017 - 30.000.000.000 PBS017
Surat Berharga Syariah Government Shariah Securities
Negara PBS036 - 30.000.000.000 PBS036
Obligasi Negara Seri FR0081 - 10.000.000.000 Government Bonds FR0081
Subjumlah 934.678.284.849 899.678.284.849 Sub-total
Premi (diskon) - neto 22.226.272.963 21.292.138.158 Premium (discount) - net
Subjumlah 956.904.557.812 920.970.423.007 Sub-total
47
Page 414
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
2025 2024
Dolar Amerika Serikat United States Dollar
Obligasi USD Negara Indonesian Sovereign Bonds
Indonesia 27 3.356.400.000 3.232.400.000 USD 27
Obligasi USD Negara Indonesian Sovereign Bonds
Indonesia 25 - 4.848.600.000 USD 25
Subjumlah 3.356.400.000 8.081.000.000 Sub-total
Premi (diskon) - neto 12.219.257 24.528.277 Premium (discount) - net
Subjumlah 3.368.619.257 8.105.528.277 Sub-total
Jumlah 960.273.177.069 929.075.951.284 Total
Cadangan kerugian penurunan Allowance for impairment
nilai obligasi ( 1.861.775.730) ( 1.861.775.730) losses on bonds
Neto 958.411.401.339 927.214.175.554 Net
2025 2024
Aset keuangan yang diukur pada Financial assets measured at fair
nilai wajar melalui laba rugi value through profit or loss
Reksa dana - pihak ketiga Mutual funds - third parties
Rupiah Rupiah
Reksa Dana Sucorinvest Reksa Dana Sucorinvest
Money Market Fund 239.729.273.660 5.066.520.354 Money Market Fund
Reksa Dana ABF Indonesia Reksa Dana ABF Indonesia Bond
Bond Index Fund 65.132.257.081 - Index Fund
Reksa Dana Danareksa Reksa Dana Danareksa Seruni
Seruni Pasar Uang Ill 10.473.566.625 - Pasar Uang Ill
Reksa Dana KISI Money Reksa Dana KISI Money
Market Fund 10.013.564.704 - Market Fund
Reksa Dana Terproteksi Reksa Dana Terproteksi
Mandiri Seri 129 6.742.017.700 6.607.272.100 Mandiri Seri 129
Reksa Dana Cipta Reksa Dana Cipta
Dana Cash - 58.111.810.803 Dana Cash
Reksa Dana Syailendra Reksa Dana Syailendra Dana
Dana Kas - 6.982.993.028 Kas
Subjumlah 332.090.679.770 76.768.596.285 Sub-total
Reksa dana - pihak berelasi Mutual funds – related parties
Reksa Dana Cipta Reksa Dana Cipta
Dana Cash 47.107.570.368 - Dana Cash
Reksa Dana Cipta Bond 10.034.054.322 - Reksa Dana Cipta Bond
Subjumlah 57.141.624.690 - Sub-total
Jumlah 389.232.304.460 76.768.596.285 Total
2025 2024
Aset keuangan diukur pada nilai Financial assets measured at
wajar melalui penghasilan fair value through other
komprehensif lain comprehensive income
Obligasi - pihak ketiga Bonds - third parties
Rupiah Rupiah
Obligasi Negara Seri FR0065 10.311.425.000 - Government Bonds FR0065
Obligasi Negara Seri FR0100 10.379.362.200 - Government Bonds FR0100
Jumlah 20.690.787.200 - Total
48
Page 415
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
Rincian obligasi yang diukur pada biaya perolehan The details of bonds at amortized cost are as follows:
adalah sebagai berikut:
2025
Tingkat Peringkat
Bunga/ Obligasi/
Interest Bonds Jatuh Tempo/ Nilai Nominal/ Biaya Perolehan/ Jumlah Tercatat/
Rate Rate Marturity Date Nominal Value Acquisition Cost Carrying Amount
Pihak ketiga Third parties
Surat Berharga Government Shariah
Syariah Negara Securities
PBS032 4,88% - 15-Jul-26 145.000.000.000 139.637.500.000 143.720.794.195 PBS032
Obligasi Negara Government Bonds
Seri FR0076 7,38% - 15-May-48 92.000.000.000 97.589.000.000 97.315.124.657 FR0076
Surat Berharga Government Shariah
Syariah Negara Securities
PBS003 6,00% - 15-Jan-27 75.000.000.000 73.913.500.000 74.503.314.312 PBS003
Obligasi Negara Government Bonds
Seri FR0083 7,50% - 15-Apr-40 80.000.000.000 86.855.000.000 86.163.040.817 FR0083
Obligasi Negara Government Bonds
Seri FR0089 6,88% - 15-Aug-51 69.939.000.000 70.949.044.773 70.906.832.353 FR0089
Obligasi Negara Government Bonds
Seri FR0097 7,13% - 15-Jun-43 65.000.000.000 68.421.315.000 68.158.889.654 FR0097
Obligasi Negara Government Bonds
Seri FR0092 7,13% - 15-Jun-42 65.000.000.000 67.943.500.000 67.695.332.998 FR0092
Surat Berharga Government Shariah
Syariah Negara Securities
PBS030 5,88% - 15-Jul-28 60.000.000.000 58.590.000.000 58.989.771.362 PBS030
Obligasi Negara Government Bonds
Seri FR0075 7,50% - 15-May-38 50.000.000.000 54.538.800.000 53.997.639.830 FR0075
Obligasi Negara Government Bonds
Seri FR0095 6,38% - 15-Aug-28 40.000.000.000 39.473.000.000 39.675.643.166 FR0095
Obligasi Negara Government Bonds
Seri FR0098 7,13% - 15-Jun-38 30.000.000.000 30.926.440.000 30.804.980.223 FR0098
Obligasi Negara Government Bonds
Seri FR0082 7,00% - 15-Sept-30 30.000.000.000 31.017.000.000 30.690.680.864 FR0082
Obligasi Negara Government Bonds
Seri FR0059 7,00% - 15-May-27 30.000.000.000 30.190.000.000 30.091.074.777 FR0059
Obligasi Negara Government Bonds
Seri FR0064 6,13% - 15-May-28 30.000.000.000 29.314.000.000 29.573.353.176 FR0064
Obligasi Negara Government Bonds
Seri FR0074 7,50% - 15-Aug-32 20.000.000.000 21.350.000.000 21.057.799.512 FR0074
Obligasi Negara Government Bonds
Seri FR0086 5,50% - 15-Apr-26 15.000.000.000 14.722.985.000 14.959.071.031 FR0086
Obligasi Negara Government Bonds
Seri FR0080 7,50% - 15-Jun-35 10.000.000.000 10.650.528.000 10.558.195.907 FR0080
Obligasi Negara Government Bonds
Seri FR0052 10,50% - 15-Aug-30 10.000.000.000 10.380.000.000 10.298.013.458 FR0052
Obligasi Negara Government Bonds
Seri FR0065 6,63% - 15-May-33 10.000.000.000 10.075.000.000 10.070.276.940 FR0065
Obligasi USD Negara Indonesia Sovereign
Indonesia 27 4,35% - 08-Jan-27 3.356.400.000 3.411.780.600 3.368.619.257 USD Bonds 27
Obligasi Sustainable
Berkelanjutan Bonds III
III Waskita Waskita Karya
Karya Tahap II Phase II
Tahun 2018 8,25% idsD 23-Feb-23 4.739.284.849 4.805.584.849 2.877.509.119 for 2018
Obligasi Negara Government Bonds
Seri FR0091 6,38% - 15-Apr-32 2.000.000.000 1.946.080.000 1.962.249.086 FR0091
Obligasi Negara Government Bonds
Seri FR0047 10,00% - 15-Feb-28 1.000.000.000 849.254.683 973.194.645 FR0047
Neto 938.034.684.849 957.549.312.905 958.411.401.339 Net
2024
Tingkat Peringkat
Bunga/ Obligasi/
Interest Bonds Jatuh Tempo/ Nilai Nominal/ Biaya Perolehan/ Jumlah Tercatat/
Rate Rate Marturity Date Nominal Value Acquisition Cost Carrying Amount
Pihak ketiga Third parties
Surat Berharga Government Shariah
Syariah Negara Securities
PBS032 4,88% - 15-Jul-26 145.000.000.000 139.637.500.000 141.444.826.499 PBS032
Obligasi Negara Government Bonds
Seri FR0076 7,38% - 15-May-48 92.000.000.000 97.589.000.000 97.424.559.371 FR0076
Obligasi Negara Government Bonds
Seri FR0083 7,50% - 15-Apr-40 80.000.000.000 86.855.000.000 86.430.938.052 FR0083
Obligasi Negara Government Bonds
Seri FR0089 6,88% - 15-Aug-51 69.939.000.000 70.949.044.773 70.922.336.669 FR0089
49
Page 416
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
2024 (Lanjutan/Continued)
Tingkat Peringkat
Bunga/ Obligasi/
Interest Bonds Jatuh Tempo/ Nilai Nominal/ Biaya Perolehan/ Jumlah Tercatat/
Rate Rate Marturity Date Nominal Value Acquisition Cost Carrying Amount
Pihak ketiga (Lanjutan) Third parties (Continued)
Obligasi Negara Government Bonds
Seri FR0092 7,13% - 15-Jun-42 65.000.000.000 67.943.500.000 67.789.347.232 FR0092
Obligasi Negara Government Bonds
Seri FR0097 7,13% - 15-Jun-43 65.000.000.000 68.421.315.000 68.260.692.385 FR0097
Obligasi Negara Government Bonds
Seri FR0075 7,50% - 15-May-38 50.000.000.000 54.538.800.000 54.213.207.145 FR0075
Obligasi Negara Government Bonds
Seri FR0095 6,38% - 15-Aug-28 40.000.000.000 39.473.000.000 39.564.818.358 FR0095
Obligasi Negara Government Bonds
Seri FR0059 7,00% - 15-May-27 30.000.000.000 30.190.000.000 30.152.951.844 FR0059
Obligasi Negara Government Bonds
Seri FR0064 6,13% - 15-May-28 30.000.000.000 29.314.000.000 29.411.068.485 FR0064
Obligasi Negara Government Bonds
Seri FR0082 7,00% - 15-Sept-30 30.000.000.000 31.017.000.000 30.813.758.169 FR0082
Obligasi Negara Government Bonds
Seri FR0098 7,13% - 15-Jun-38 30.000.000.000 30.926.440.000 30.847.323.597 FR0098
Surat Berharga Government Shariah
Syariah Negara Securities
PBS003 6,00% - 15-Jan-27 30.000.000.000 29.496.000.000 29.647.594.608 PBS003
Surat Berharga Government Shariah
Syariah Negara Securities
PBS017 6,13% - 15-Oct-25 30.000.000.000 29.759.000.000 29.870.916.041 PBS017
Surat Berharga Government Shariah
Syariah Negara Securities
PBS036 5,38% - 15-Oct-25 30.000.000.000 29.524.000.000 29.796.997.552 PBS036
Obligasi Negara Government Bonds
Seri FR0074 7,50% - 15-Aug-32 20.000.000.000 21.350.000.000 21.185.596.563 FR0074
Obligasi Negara Government Bonds
Seri FR0086 5,50% - 15-Apr-26 15.000.000.000 14.722.985.000 14.821.921.509 FR0086
Obligasi Negara Government Bonds
Seri FR0052 10,50% - 15-Aug-30 10.000.000.000 10.380.000.000 10.348.505.095 FR0052
Obligasi Negara Government Bonds
Seri FR0080 7,50% - 15-Jun-35 10.000.000.000 10.650.528.000 10.601.474.161 FR0080
Obligasi Negara Government Bonds
Seri FR0081 6,50% - 15-Jun-25 10.000.000.000 9.964.000.000 9.988.724.256 FR0081
Surat Berharga Government Shariah
Syariah Negara Securities
PBS030 5,88% - 15-Jul-28 10.000.000.000 9.720.000.000 9.773.628.926 PBS030
Obligasi Sustainable
Berkelanjutan Bonds III
III Waskita Waskita Karya
Karya Tahap II Phase II
Tahun 2018 8,25% idB 23-Feb-23 4.739.284.849 4.805.584.849 2.877.509.119 For 2018
Obligasi Negara Government Bonds
Seri FR0091 6,38% - 15-Apr-32 2.000.000.000 1.946.080.000 1.957.513.759 FR0091
Obligasi Negara Government Bonds
Seri FR0047 10,00% - 15-Feb-28 1.000.000.000 849.254.683 962.437.881 FR0047
Obligasi USD Indonesia Sovereign
Negara USD
Indonesia 25 4,13% - 15-Jan-25 4.848.600.000 4.956.077.300 4.850.291.008 Bonds 25
Obligasi USD Negara Indonesia Sovereign
Indonesia 27 4,35% - 08-Jan-27 3.232.400.000 3.285.734.600 3.255.237.270 USD Bonds 27
Neto 907.759.284.849 928.263.844.205 927.214.175.554 Net
Pada tanggal 31 Desember 2025 dan 2024, cadangan As at December 31, 2025 and 2024, allowance for
kerugian penurunan nilai atas efek obligasi adalah impairment losses of investment in bonds amounted to
sebesar Rp1.861.775.730. Penurunan nilai ini Rp1,861,775,730. This allowance is related to Obligasi
berkaitan dengan investasi pada Obligasi Waskita TH II Waskita TH II 2018 Seri B investment.
2018 SERI B.
Manajemen berpendapat bahwa cadangan kerugian Management believes that the allowance for
penurunan efek obligasi adalah cukup untuk menutup impairment is adequate to cover possible losses which
kerugian yang mungkin timbul akibat tak tertagihnya might arise from uncollectible marketable securities on
efek obligasi. bonds.
Rincian investasi yang efek diukur pada nilai wajar The details of investment in securities at fair value
melalui laba rugi adalah sebagai berikut: through profit or loss are as follows:
50
Page 417
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
2025 2024
Jumlah Unit/ Nilai Wajar/ Jumlah Unit/ Nilai Wajar/
Total Unit Fair Value Total Unit Fair Value
Reksa dana Mutual fund
Pihak ketiga Third parties
Reksa Dana Reksa Dana
Sucorinvest Sucorinvest
Money Market Money Market
Fund 123.829.023 239.729.273.660 2.766.655 5.066.520.354 Fund
Reksa Dana ABF Reksa Dana ABF
Indonesia Indonesia
Bond Index Bond Index
Fund 1.086.865 65.132.256.954 - - Fund
Reksa Dana Reksa Dana
Danareksa Danareksa
Seruni Pasar Seruni Pasar
Uang Ill 5.659.438 10.473.566.751 - - Uang Ill
Reksa Dana KISI Reksa Dana KISI
Fixed Income Fixed Income
Fund Plus 8.466.827 10.013.564.704 - - Fund Plus
Reksa Dana Reksa Dana
Terproteksi Terproteksi
Mandiri Seri Mandiri Seri
129 11.000.000 6.742.017.700 11.000.000 6.607.272.100 129
Reksa Dana Reksa Dana
Cipta Dana Cipta Dana
Cash - - 34.047.429 58.111.810.803 Cash
Reksa Dana Reksa Dana
Syailendra Syailendra
Dana Kas - - 4.148.110 6.982.993.028 Dana Kas
Subjumlah 332.090.679.769 76.768.596.285 Sub-total
Pihak berelasi Related parties
Reksa Dana Reksa Dana
Cipta Dana Cipta Dana
Cash 26.058.099 47.107.570.369 - - Cash
Reksa Dana Reksa Dana
Cipta Dana Cipta Dana
Bond 5.159.746 10.034.054.322 - - Bond
Subjumlah 57.141.624.691 - Sub-total
Jumlah 389.232.304.460 76.768.596.285 Total
Laba (rugi) belum direalisasi atas penurunan nilai wajar Unrealized gain (loss) on decrease in fair value
reksa dana yang diakui sebagai hasil investasi pada of mutual fund as of December 31, 2025 and
tanggal 31 Desember 2025 dan 2024 masing-masing 2024 amounted to Rp7,977,967,936 and
adalah Rp7.977.967.936 sebesar dan (Rp3,019,276,012), respectively, is recognized as
(Rp3.019.276.012) (Catatan 21). investment income (Note 21).
Rincian investasi yang diukur pada nilai wajar melalui The details of bonds measured at fair value through
penghasilan komprehensif lain, adalah sebagai berikut: other comprehensive income are as follows:
51
Page 418
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
2025
Tingkat Peringkat
Bunga/ Obligasi/
Interest Bonds Jatuh Tempo/ Nilai Nominal/ Biaya Perolehan/ Jumlah Tercatat/
Rate Rate Maturity Date Nominal Value Acquisition Cost Carrying Amount
Pihak ketiga Third parties
Obligasi Negara Government Bonds
Seri FR0065 6,63% - 15-May-33 10.175.000.000 10.175.000.000 10.311.425.000 FR0065
Obligasi Negara Government Bonds
Seri FR0100 6,63% - 15-Feb-34 10.125.000.000 10.125.000.000 10.379.362.200 FR0100
Neto 20.300.000.000 20.300.000.000 20.690.787.200 Net
Perubahan keuntungan (kerugian) yang belum Changes in unrealized gains (losses) on securities
direalisasi atas efek-efek yang diukur pada nilai wajar measured at fair value through other comprehensive
melalui penghasilan komprehensif lain. income.
2025 2024
Saldo awal - sebelum pajak Beginning balance - before
penghasilan tangguhan - - deferred income tax
Penambahan kerugian yang Additional unrealized
belum direalisasi selama losses during
tahun berjalan - neto ( 310.401.098) - the year - net
Jumlah sebelum pajak Ending balance before deferred
penghasilan tangguhan ( 310.401.098) - income tax
Pajak penghasilan tangguhan 310.401 - Deferred income tax
Saldo akhir ( 310.090.697) - Ending balance
Obligasi negara yang dimiliki oleh Perusahaan Government bonds held by the Company are issued by
diterbitkan oleh Republik Indonesia, di mana obligasi Republic of Indonesia, in which the Republic of
pemerintah Republik Indonesia tidak diperingkat. Indonesia sovereign rating are unrated.
Pada tanggal 31 Desember 2025 dan 2024 Obligasi As at December 31, 2025 and 2024 Government Bonds
Pemerintah FR0047, FR0052, FR0076, FR0080, FR0047, FR0052, FR0076, FR0080, FR0086 and
FR0086 dan FR0091 sebesar Rp30.000.000.000 FR0091 amounted to Rp30,000,000,000 are the
merupakan dana jaminan Perusahaan dalam bentuk Company’s guarantee fund in the form of Government
Obligasi Pemerintah sesuai dengan POJK No. 26 Tahun Bonds in accordance with POJK No. 26 of 2025,
2025 yang diundangkan pada tanggal 24 November which was promulgated on November 24, 2025, and
2025 menggantikan POJK No. 5 tahun 2023 perubahan supersedes POJK No. 5 of 2023, being the second
kedua atas Peraturan OJK No. 71/POJK.05/2016 amendment to OJK Regulation No. 71/POJK.05/2016
tanggal 28 Desember 2016, Perusahaan wajib dated December 28, 2016. the Company is required to
menyediakan dana penjaminan mana yang lebih besar form guarantee fund which is the higher of 20% of the
antara 20% dari ekuitas minimum yang dipersyaratkan minimum equity required for general insurance
untuk Perusahaan asuransi umum atau dibandingkan companies against the sum of 1% of net premium
dengan jumlah 1% dari premi neto ditambah 0,25% dari and 0.25% of reinsurance premiums and 2%
premi reasuransi ditambah 2% dari cadangan atas of reserves of Insurance Products Associated with
Produk Asuransi yang Dikaitkan dengan Investasi Investment (PAYDI). As at December 31, 2025 and
(PAYDI). Pada tanggal 31 Desember 2025 dan 2024, 2024, the Company has fulfilled the required guarantee
Perusahaan telah memenuhi dana jaminan yang harus funds which must be provided in accordance with the
disediakan sesuai dengan ketentuan tersebut di atas. regulation above.
52
Page 419
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
a. Efek (Lanjutan) a. Marketable Securities (Continued)
Sesuai POJK No. 56/POJK.05/2017 tanggal 28 Agustus Accordance with POJK No. 56/POJK.05/2017 dated
2017 tentang Perubahan kedua atas Peraturan August 28, 2017 regarding second changes of Financial
Otoritas Jasa Keuangan No. 1/POJK.05/2016 tanggal Services Authority Regulation No. 1/POJK.05/2016
12 Januari 2016 tentang Investasi Surat Berharga dated January 12, 2016 regarding investment in
Negara Bagi Lembaga Jasa Keuangan Nonbank, bagi Government Securities for Non-bank, for general
perusahaan asuransi umum termasuk yang insurance company including to those who operate as
menyelenggarakan seluruh atau sebagian usahanya half or a whole business with sharia principle, to invest
dengan prinsip syariah, wajib menempatkan investasi on SBN at least 20% of company’s total investment.
pada SBN paling rendah 20% dari seluruh jumlah
investasi perusahaan.
b. Deposito Berjangka b. Time Deposits
2025 2024
Rupiah Rupiah
Pihak ketiga Third parties
PT Bank Mayapada Tbk 210.000.000.000 155.000.000.000 PT Bank Mayapada Tbk
PT Super Bank Indonesia 141.553.274.690 30.000.000.000 PT Super Bank Indoenesia
PT Bank Nationalnobu Tbk - 61.500.000.000 PT Bank Nationalnobu Tbk
PT Bank Mandiri (Persero) Tbk 47.251.793.890 50.944.420.052 PT Bank Mandiri (Persero) Tbk
PT Bank Neo Commerce Tbk 36.034.321.567 41.188.957.866 PT Bank Neo Commerce Tbk
PT Bank Shinhan Indonesia 35.000.000.000 20.000.000.000 PT Bank Shinhan Indonesia
PT Bank Ganesha Tbk 24.139.193.272 - PT Bank Ganesha Tbk
PT KB Bank Syariah 20.000.000.000 - PT KB Bank Syariah
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 17.500.000.000 34.600.000.000 (Persero) Tbk
PT Bank Seabank Indonesia 10.000.000.000 - PT Bank Seabank Indonesia
PT Bank Permata Tbk 5.000.000.000 5.000.000.000 PT Bank Permata Tbk
PT Bank Jtrust Indonesia Tbk 5.000.000.000 - PT Bank Jtrust Indonesia Tbk
PT Hibank Indonesia 2.000.000.000 - PT Hibank Indonesia
PT Bank CIMB Niaga Tbk 899.895.205 394.859.367 PT Bank CIMB Niaga Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk - 5.011.942.218 (Persero)Tbk
Subjumlah 554.378.478.624 403.640.179.503 Sub-total
Dolar Amerika Serikat United States Dollar
Pihak ketiga Third parties
PT Bank Shinhan Indonesia 5.471.754.318 17.493.898.622 PT Bank Shinhan Indonesia
PT Bank IBK Indonesia Tbk 3.356.400.000 6.464.800.000 PT Bank IBK Indonesia Tbk
PT Bank CIMB Niaga Tbk 1.474.481.624 5.438.845.614 PT Bank CIMB Niaga Tbk
Subjumlah 10.302.635.942 29.397.544.236 Sub-total
Pihak berelasi Related party
PT Bank Nationalnobu Tbk 56.000.000.000 - PT Bank Nationalnobu Tbk
Jumlah 620.681.114.566 433.037.723.739 Total
Tingkat bunga per tahun adalah sebagai berikut: Interest rates per annum are as follows:
2025 2024
Rupiah 2,50% - 7,60% 4,50% - 7,60% Rupiah
Dolar Amerika Serikat 3,00% - 5,00% 1,00% - 5,45% United States Dollar
53
Page 420
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
b. Deposito Berjangka (Lanjutan) b. Time Deposits (Continued)
Berdasarkan POJK No. 26 Tahun 2025 yang Based on POJK No. 26 of 2025, which was promulgated
menggantikan POJK No. 5 tahun 2023 tentang on November 24, 2025, and supersedes POJK
perubahan kedua atas Peraturan OJK No. 5 of 2023, being the second amendment to OJK
No. 71/POJK.05/2016 tanggal 28 Desember 2016, Regulation No. 71/POJK.05/2016 dated December 28,
Perusahaan wajib menyediakan dana penjaminan 2016, the Company is required to form guarantee fund
mana yang lebih besar antara 20% dari ekuitas which is the higher of 20% of the minimum equity
minimum yang dipersyaratkan untuk Perusahaan required for general insurance companies against the
asuransi umum atau dibandingkan dengan jumlah 1% sum of 1% of net premium and 0.25% of reinsurance
dari premi neto ditambah 0,25% dari premi reasuransi premiums and 2% of reserves of PAYDI.
ditambah 2% dari cadangan atas PAYDI.
Berdasarkan hasil penelaahan terhadap akun deposito Based on the review result on time deposits account at
berjangka pada akhir tahun, manajemen Perusahaan the end of the year, the Company’s management
berpendapat bahwa investasi tersebut tidak terdapat opinion that there is no impairment in the investment,
penurunan nilai sehingga tidak dibentuk cadangan. therefore, no allowance was made.
c. Properti Investasi c. Investment Properties
Properti investasi merupakan tanah yang dicatat Investment properties is land which is carried at fair
sebesar nilai wajarnya. Saldo pada tanggal 31 value. Balances as at December 31, 2025 and 2024
Desember 2025 dan 2024 masing-masing adalah are as follows:
sebesar berikut:
2025 2024
Biaya perolehan 20.195.779.679 20.195.779.679 Acquisition cost
Laba penilaian properti investasi Increase on revaluation of
pada nilai wajar 66.457.220.321 66.939.220.321 investment properties on fair value
Jumlah 86.653.000.000 87.135.000.000 Total
Mutasi properti investasi adalah sebagai berikut: The movements of investment properties are as follows:
2025 2024
Saldo awal 87.135.000.000 85.480.000.000 Beginning balance
Penambahan - 1.673.979.000 Addition
Perubahan nilai wajar ( 482.000.000) ( 18.979.000) Changes in fair value
Saldo akhir 86.653.000.000 87.135.000.000 Ending balance
Tanah merupakan investasi Perusahaan dalam bentuk Land represents investments of the Company in several
kaveling dengan jumlah luas masing-masing 18.673 m2 parcels of land totaling 18,673 m2 as of December 31,
pada 31 Desember 2025 dan 2024, yang berlokasi di 2025 and 2024, respectively, located at Bukit Sentul,
Bukit Sentul, Jawa Barat. West Java.
Tanah di atas dinyatakan sebesar nilai wajarnya. The land is recorded at their fair value.
Penilaian pada nilai wajar tanah dan bangunan yang Valuation to determine the fair value of the Company’s
dimiliki Perusahaan pada 31 Desember 2025 dan land and buildings as at December 31, 2025 and 2024
2024 telah dilakukan oleh KJPP Areyanti, Zainab dan was performed by KJPP Areyanti, Zainab dan Rekan dan
Rekan dan KJPP Areyanti dan Rekan, penilai KJPP Areyanti dan Rekan, an independent appraisal,
independen, berdasarkan laporannya masing-masing based on its reports dated December 22, 2025 and
tertanggal 22 Desember 2025 dan 29 November 2024. November 29, 2024, respectively. The valuation was
Penilaian ditentukan berdasarkan transaksi pasar determined by reference to recent market transactions
terkini yang dilakukan dalam ketentuan- ketentuan yang on arm’s length terms. Appraisal method used is
wajar. Metode penilaian yang digunakan menggunakan valuation technique based on a discounted cash flows
model arus kas yang didiskontokan untuk tanah model for the land and market data approach method
dan data pasar untuk bangunan. Elemen-elemen yang for the building. Elements used in data comparison
digunakan dalam perbandingan data untuk process to determine assets fair value are as follows
menentukan nilai wajar aset, antara lain jenis hak yang type of right on property, market condition, location,
melekat pada properti, kondisi pasar, lokasi, physical characteristics, income producing
karakteristik fisik, karakteristik dalam menghasilkan characteristics, and land characteristics.
pendapatan, dan karakteristik tanah.
54
Page 421
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
7. INVESTASI (Lanjutan) 7. INVESTMENTS (Continued)
d. Investasi Lain d. Other Investment
Mulai tahun 2025, Perusahaan memberikan fasilitas Starting from 2025, the Company provides credit
kredit kepada karyawan yang terdiri dari pinjaman facilities to employees which consist of short-term
jangka pendek. Fasilitas kredit yang diberikan ini dicatat loans. These credit facilities are recorded as part of
sebagai bagian dari investasi lain dalam laporan posisi other investments in the statement of financial position.
keuangan. Pada tanggal 31 Desember 2025, jumlah As of December 31, 2025, total other investments
investasi lain sebesar Rp2.498.610.151. amounted to Rp2,498,610,151.
Pinjaman karyawan terdiri dari 2 (dua) program: Employee loans consist of 2 (two) programs:
1. Program A diberikan untuk karyawan tetap dengan 1. Program A is provided for permanent employees
masa kerja minimal 3 (tiga) tahun dan jumlah with a minimum service period of 3 (three) years and
pinjaman yang dapat dicairkan adalah maksimal the maximum loan amount that can be disbursed is
sebesar uang pisah. Atas pinjaman karyawan the separation money. Employee loans are subject
dikenakan bunga 5% per tahun, dengan tenor to 5% interest per year, with a maximum loan tenor
pinjaman maksimal 2 tahun. of 2 years.
2. Program B diberikan untuk karyawan tetap dengan 2. Program B is provided for permanent employees
masa kerja minimal 2 (dua) tahun dan jumlah with a minimum service period of 2 (two) years and
pinjaman yang dapat dicairkan adalah maksimal the maximum loan amount that can be disbursed is
sebesar 3 (tiga) kali gaji. Atas pinjaman karyawan 3 (three) times the salary. Employee loans are
dikenakan bunga sebesar 6% per tahun, dengan subject to interest of 6% per annum, with a
tenor pinjaman maksimal 2 tahun. maximum loan tenor of 2 years.
e. Penyertaan Saham e. Investment in Shares
Penyertaan saham langsung diklasifikasikan sebagai Direct placement of investments in shares are classified
nilai wajar pada penghasilan komprehensif lain. at fair value through other comprehensive income.
Persentase Kepemilikan/ Jumlah/
Percentage of Ownership Total
2025 2024 2025 2024
PT Reasuransi PT Reasuransi
Maipark Indonesia 1,96% 1,96% 1.030.124.980 1.009.506.611 Maipark Indonesia
Konsorsium Asuransi Konsorsium Asuransi
atas Risiko Khusus - - 100.000.000 100.000.000 atas Risiko Khusus
Sertifikat Dewan Sertifikat Dewan
Asuransi Indonesia - - 1.000.000 1.000.000 Asuransi Indonesia
Jumlah 1.131.124.980 1.110.506.611 Total
Pada tanggal 31 Desember 2025 dan 2024, aset As of December 31, 2025 and 2024, Company’s
yang diperkenankan Perusahaan untuk penyertaan admitted assets from investment in shares amounted to
saham sebesar masing-masing Rp1.131.124.980 dan Rp1,131,124,980 and Rp1,110,506,611, respectively.
Rp1.110.506.611.
8. UANG MUKA DAN BIAYA DIBAYAR DI MUKA 8. ADVANCES AND PREPAID EXPENSES
2025 2024
Uang muka Advances
Premi reasuransi 594.187.720 153.477.953 Premium reinsurance
Sponsor 3.874.506 90.636.302 Sponsorship
Jasa profesional - 169.766.198 Professional fees
Lain-lain 781.910.192 514.257.377 Others
Subjumlah 1.379.972.418 928.137.830 Sub-total
55
Page 422
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
8. UANG MUKA DAN BIAYA DIBAYAR DI MUKA (Lanjutan) 8. ADVANCES AND PREPAID EXPENSES (Continued)
2025 2024
Biaya dibayar di muka Prepaid expenses
Langganan 5.515.376.255 5.504.841.426 Subscription
Sewa 2.964.184.537 3.139.660.554 Rent
Subjumlah 8.479.560.792 8.644.501.980 Sub-total
Jumlah 9.859.533.210 9.572.639.810 Total
9. SEWA 9. LEASES
a. Aset Hak-guna a. Right-of-use Assets
Perusahaan memiliki kontrak sewa untuk gedung The Company entered into leases of office buildings to
kantor kepada beberapa penyewa (pihak ketiga) several third-party lessors with a lease period of 3 years.
dengan jangka waktu sewa selama 3 tahun. Based on the lease agreement, the Company recorded
Berdasarkan perjanjian sewa, Perusahaan mencatat the leases as “Right-of-use Assets”.
kontrak sewa sebagai “Aset Hak- guna”.
Rincian dan mutasi aset hak-guna adalah sebagai The details and movements of right-of-use assets are as
berikut: follows:
2025
Saldo Awal/ Penambahan/ Pengurangan/ Saldo Akhir/
Beginning Balance Additions Deductions Ending Balance
Biaya perolehan 3.518.073.220 - - 3.518.073.220 Acquisition cost
Akumulasi Accumulated
penyusutan 2.431.009.049 1.087.064.171 - 3.518.073.220 depreciation
Nilai buku bersih 1.087.064.171 - Net book value
2024
Saldo Awal/ Penambahan/ Pengurangan/ Reklasifikasi/ Saldo Akhir/
Beginning Balance Additions Deductions Reclassification Ending Balance
Biaya perolehan 4.934.575.300 - - 1.416.502.080 3.518.073.220 Acquisition cost
Akumulasi Accumulated
penyusutan 1.258.317.976 1.172.691.073 - - 2.431.009.049 depreciation
Nilai buku bersih 3.676.257.324 1.087.064.171 Net book value
Beban penyusutan dari aset hak-guna pada Depreciation expense of right-of-use assets for the years
31 Desember 2025 dan 2024 masing-masing adalah ended December 31, 2025 and 2024 amounted to
sebesar Rp1.087.064.171 dan Rp1.172.691.073, Rp1,087,064,171 and Rp1,172,691,073, respectively,
yang di mana sebagian dicatat sebagai beban jasa a portion is recognized as insurance service expenses,
asuransi dan sebagiannya dicatat pada beban usaha with the remaining amount recognized as other
lainnya. operating expenses.
b. Liabilitas Sewa b. Lease Liabilities
2025 2024
Saldo awal 853.043.780 1.930.601.740 Beginning balance
Penambahan - - Addition
Beban bunga 31.151.140 112.430.582 Interest expense
Pembayaran ( 884.194.920) ( 1.189.988.542) Payment
Saldo akhir - 853.043.780 Ending balance
56
Page 423
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. ASET TETAP 10. FIXED ASSETS
Rincian dan mutasi aset tetap adalah sebagai berikut: The details and movements of fixed assets are as follows:
2025
Saldo Awal/
Beginning Penambahan/ Pengurangan/ Saldo Akhir/
Balance Additions Deductions Ending Balance
Biaya perolehan Acquisition cost
Tanah 6.162.568.000 - - 6.162.568.000 Land
Bangunan 44.223.685.019 171.580.362 - 44.395.265.381 Buildings
Kendaraan Motor
bermotor 25.558.153.720 3.711.180.000 1.923.487.360 27.345.846.360 vehicles
Peralatan kantor 13.841.408.853 502.989.396 425.004.465 13.919.393.784 Office equipment
Komputer 23.688.049.975 5.696.760.100 923.560.702 28.461.249.373 Computers
Prasarana Leasehold
kantor 371.635.184 - - 371.635.184 improvements
Jumlah biaya Total acquisition
perolehan 113.845.500.751 10.082.509.858 3.272.052.527 120.655.958.082 cost
Akumulasi Accumulated
penyusutan depreciation
Bangunan 25.184.021.052 1.999.276.535 - 27.183.297.587 Buildings
Kendaraan Motor
bermotor 12.830.284.889 4.593.799.293 1.551.348.827 15.872.735.355 vehicles
Peralatan kantor 12.424.716.869 502.362.820 424.974.517 12.502.105.172 Office equipment
Komputer 18.483.647.460 3.041.600.619 923.560.706 20.601.687.373 Computers
Prasarana Leasehold
kantor 371.635.184 - - 371.635.184 improvements
Jumlah akumulasi Total accumulated
penyusutan 69.294.305.454 10.137.039.267 2.899.884.050 76.531.460.671 depreciation
Nilai buku bersih 44.551.195.297 44.124.497.411 Net book value
2024
Saldo Awal/
Beginning Penambahan/ Pengurangan/ Saldo Akhir/
Balance Additions Deductions Ending Balance
Biaya perolehan Acquisition cost
Tanah 6.162.568.000 - - 6.162.568.000 Land
Bangunan 45.146.932.371 - 923.247.352 44.223.685.019 Buildings
Kendaraan Motor
bermotor 22.559.626.950 5.761.197.500 2.762.670.730 25.558.153.720 vehicles
Peralatan kantor 13.369.024.661 722.894.211 250.510.019 13.841.408.853 Office equipment
Komputer 22.607.103.978 1.277.601.910 196.655.913 23.688.049.975 Computers
Prasarana Leasehold
kantor 371.635.184 - - 371.635.184 improvements
Jumlah biaya Total acquisition
perolehan 110.216.891.144 7.761.693.621 4.133.084.014 113.845.500.751 cost
57
Page 424
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
10. ASET TETAP (Lanjutan) 10. FIXED ASSETS (Continued)
2024 (Lanjutan/Continued)
Saldo Awal/
Beginning Penambahan/ Pengurangan/ Saldo Akhir/
Balance Additions Deductions Ending Balance
Akumulasi Accumulated
penyusutan depreciation
Bangunan 23.776.057.208 2.331.211.196 923.247.352 25.184.021.052 Buildings
Kendaraan Motor
bermotor 11.275.105.290 4.313.838.329 2.758.658.730 12.830.284.889 vehicles
Peralatan kantor 12.111.671.747 563.555.141 250.510.019 12.424.716.869 Office equipment
Komputer 15.399.126.217 3.271.834.802 187.313.559 18.483.647.460 Computers
Prasarana Leasehold
kantor 371.635.184 - - 371.635.184 improvements
Jumlah akumulasi Total accumulated
penyusutan 62.933.595.646 10.480.439.468 4.119.729.660 69.294.305.454 depreciation
Nilai buku bersih 47.283.295.498 44.551.195.297 Net book value
Seluruh hak atas tanah merupakan hak-guna bangunan Land pertains to rights to build and use the building (HGB).
(HGB) yang akan jatuh tempo antara 2026-2054. Mengacu These rights will mature on years between 2026-2054.
pada praktik di masa lampau, Perusahaan memiliki Referencing to historical practices, the Company believes
keyakinan tidak terdapat kesulitan dalam memperpanjang there is no issue with the extension of HGB.
HGB tersebut.
Seluruh aset tetap yang ada pada tanggal pelaporan All fixed assets as at the reporting date are fully used to
digunakan untuk menunjang aktivitas operasi Perusahaan. support the Company operation activities. As at December
Pada tanggal 31 Desember 2025 dan 2024 jumlah 31, 2025 and 2024, the gross carrying amount of all fixed
tercatat bruto dari setiap aset tetap yang telah disusutkan assets that has been fully depreciated and still in use
penuh dan masih digunakan masing-masing sebesar amounted to Rp32,896,336,550 and Rp27,781,966,441,
Rp32.896.336.550 dan Rp27.781.966.441. respectively.
Aset tetap tertentu, kecuali tanah, diasuransikan terhadap Certain fixed assets, except land, are covered by insurance
risiko kerugian karena kebakaran dan lainnya. Dengan against losses by fire and other risk under blanket policies.
nilai pertanggungan pada tanggal 31 Desember 2025 dan As at December 31, 2025 and 2024, insurance coverage
2024 masing-masing sebesar Rp130.620.097.284 dan amounted to Rp130,620,097,284 and Rp5,224,000,000,
Rp5.224.000.000. Menurut manajemen jumlah tersebut respectively. Management believes that the amount is
memadai untuk menutupi kemungkinan kerugian atas aset adequate to cover the possible losses arising from such
yang dipertanggungkan. risks.
Beban penyusutan dari aset tetap pada 31 Desember Depreciation expense of fixed assets for the years ended
2025 dan 2024 masing-masing adalah sebesar December 31, 2025 and 2024 amounted to
Rp7.761.693.621 dan Rp10.480.439.468, yang di mana Rp7,761,693,621 and Rp10,480,439,468, respectively, a
sebagian dicatat sebagai beban jasa asuransi dan portion is recognized as insurance service expenses, with
sebagiannya dicatat pada beban usaha lainnya. the remaining amount recognized as other operating
expenses.
Berdasarkan evaluasi manajemen Perusahaan, tidak Based on the review of the Company’s management, there
terdapat kejadian-kejadian atau perubahan-perubahan are no events or changes in circumstances which may
keadaan yang mengindikasikan adanya penurunan nilai indicate impairment of assets value.
aset tetap Perusahaan.
Pada 31 Desember 2025 dan 2024, Perusahaan On December 31, 2025 and 2024, the Company’s sold
melakukan penjualan aset tetap dengan rincian sebagai fixed assets with details as follows:
berikut:
2025 2024
Hasil penjualan 1.828.768.001 2.247.584.542 Proceed from sale
Nilai buku bersih 372.168.477 13.354.354 Net book value
Laba penjualan aset tetap Gain on sale of fixed assets
(Catatan 25) 1.456.599.524 2.234.230.188 (Note 25)
58
Page 425
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
11. ASET TAKBERWUJUD 11. INTANGIBLE ASSETS
Rincian dan mutasi perangkat lunak adalah sebagai The details and movements of software are as follows:
berikut:
2025
Saldo Awal/
Beginning Penambahan/ Pengurangan/ Saldo Akhir/
Balance Additions Deductions Ending Balance
Biaya perolehan Acquisition cost
Perangkat lunak 11.597.957.883 25.652.060.853 - 37.250.018.736 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 9.709.747.243 5.469.899.696 - 15.179.646.939 Software
Nilai buku bersih 1.888.210.640 22.070.371.797 Net book value
2024
Saldo Awal/
Beginning Penambahan/ Pengurangan/ Saldo Akhir/
Balance Additions Deductions Ending Balance
Biaya perolehan Acquisition cost
Perangkat lunak 10.301.829.975 1.296.127.908 - 11.597.957.883 Software
Akumulasi Accumulated
amortisasi amortization
Perangkat lunak 9.098.125.263 611.621.980 - 9.709.747.243 Software
Nilai buku bersih 1.203.704.712 1.888.210.640 Net book value
Beban amortisasi dari aset takberwujud pada 31 Desember Amortization expense of intangible assets for the years
2025 dan 2024 masing-masing adalah sebesar ended December 31, 2025 and 2024 amounted to
Rp5.469.899.696 dan Rp611.621.980, yang di mana Rp5,469,899,696 and Rp611,621,980, respectively,
sebagian dicatat sebagai beban jasa asuransi dan a portion is recognized as insurance service expenses, with
sebagiannya dicatat pada beban usaha lainnya. the remaining amount recognized as other operating
expenses.
12. ASET LAIN-LAIN 12. OTHER ASSETS
2025 2024
Uang muka pembelian Advance purchase of
aset takberwujud 3.160.216.490 15.378.964.537 intangible assets
Uang jaminan 1.027.775.280 1.208.120.880 Refundable deposits
Lain-lain 104.631.705 104.636.307 Others
Jumlah 4.292.623.475 16.691.721.724 Total
Pada tanggal 31 Desember 2024, terdapat transaksi As of December 31, 2024, there was a transaction with
pada pihak berelasi yaitu Carrot General Insurance Co., Ltd a related party, namely Carrot General Insurance Co., Ltd.
atas uang muka pembelian perangkat lunak sebesar for advance purchase of software amounted to
Rp4.873.840.099 (Catatan 28). Rp4,873,840,099 (Note 28).
13. PENDAPATAN PREMI DITANGGUHKAN 13. DEFERRED PREMIUM INCOME
Akun ini merupakan pendapatan premi diterima di muka This account represents premium income received in
untuk polis dengan periode pertanggungan lebih dari advance for program coverage with period of more than
1 (satu) tahun. 1 (one) year.
59
Page 426
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI 14. INSURANCE CONTRACT LIABILITIES
Akun ini terdiri dari: This account consists of:
2025 2024
Estimasi liabilitas kontrak asuransi Insurance contract liabilities
Sisa masa pertanggungan 524.650.265.807 319.037.361.642 Remaining coverage
Klaim yang terjadi 1.296.205.176.743 1.060.438.996.850 Incurred claim
Jumlah 1.820.855.442.550 1.379.476.358.492 Total
Mutasi liabilitas kontrak asuransi sebagai berikut: The movements of insurance contract liabilities as follows:
2025 2024
Saldo awal 1.379.476.358.492 1.333.367.304.712 Beginning balance
Pendapatan jasa asuransi ( 3.769.972.066.236) ( 3.129.389.071.625) Insurance service revenue
Beban jasa asuransi 3.424.543.879.526 2.867.348.328.805 Insurance service expense
Beban keuangan asuransi 37.907.961.245 19.338.856.178 Insurance finance expense
Arus kas 748.899.309.523 288.810.940.422 Cash flows
Jumlah 1.820.855.442.550 1.379.476.358.492 Total
Mutasi liabilitas kontrak asuransi sebagai berikut: The movements of insurance contract liabilities as follows:
2025
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Saldo awal nilai buku/
Net book value at
beginning balance 299.462.845.505 19.574.516.137 998.710.592.395 61.728.404.455 1.379.476.358.492
Aset kontrak
asuransi/Insurance
contract assets - - - - -
Liabilitas kontrak
asuransi/Insurance
contract liabilities 299.462.845.505 19.574.516.137 998.710.592.395 61.728.404.455 1.379.476.358.492
Pendapatan jasa
asuransi/Insurance
service revenue (3.769.972.066.236) - - - (3.769.972.066.236)
Beban jasa asuransi/
Insurance service
expense 451.293.233.696 8.527.545.873 2.963.787.897.330 935.202.627 3.424.543.879.526
Klaim yang terjadi
dan beban jasa
asuransi/Incurred
claim and Insurance
service expense - - 1.826.235.402.052 40.768.200.574 1.867.003.602.626
Arus kas akuisisi
asuransi/Insurance
acquisition cash
flows 451.293.233.696 - - - 451.293.233.696
60
Page 427
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI (Lanjutan) 14. INSURANCE CONTRACT LIABILITIES (Continued)
2025 (Lanjutan/Continued)
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Beban jasa asuransi/
Insurance service
expense
Perubahan arus kas
untuk klaim yang
terjadi/Changes in
cash flows for
incurred claims - - 954.210.954.006 (39.832.997.947) 914.377.956.059
Kerugian dari
kontrak merugi dan
pembalikan
kerugian/Losses on
onerous contracts
and reversals of
those losses - 8.527.545.873 - - 8.527.545.873
Beban jasa asuransi
lainnya/Other
insurance service
expense - - 183.341.541.272 - 183.341.541.272
Komponen investasi/
Investment
components - - - - -
Hasil jasa asuransi/
Insurance service
result (3.318.678.832.540) 8.527.545.873 2.963.787.897.330 935.202.627 (345.428.186.710)
Pendapatan asuransi
bersih/Net
insurance income 992.022.060 - 36.915.939.185 - 37.907.961.245
Arus kas/Cash flows 3.514.772.168.772 (2.765.872.859.249) - 748.899.309.523
Premi diterima/
Premium received 3.953.099.942.473 - - - 3.953.099.942.473
Arus kas akuisisi
asuransi/Insurance
acquisition cash
flows (438.327.773.701) - - - (438.327.773.701)
Klaim dan beban jasa
asuransi/Claims
and insurance
service expense - - (2.765.872.859.249) - (2.765.872.859.249)
Arus kas lainnya/
Other cash flows - - - - -
Jumlah arus kas/
Total cash flows
Lain-lain/Others - - - - -
Saldo akhir nilai buku/
Book value at the
ending balance 496.548.203.797 28.102.062.010 1.233.541.569.661 62.663.607.082 1.820.855.442.550
Aset kontrak
asuransi/Insurance
contract assets - - - - -
Liabilitas kontrak
asuransi/Insurance
contract liabilities 496.548.203.797 28.102.062.010 1.233.541.569.661 62.663.607.082 1.820.855.442.550
61
Page 428
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI (Lanjutan) 14. INSURANCE CONTRACT LIABILITIES (Continued)
2024
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Saldo awal nilai buku/
Net book value at
beginning balance 304.195.487.568 13.296.540.254 939.671.346.766 76.203.930.124 1.333.367.304.712
Aset kontrak
asuransi/Insurance
contract assets 298.530.868 - - - 298.530.868
Liabilitas kontrak
asuransi/Insurance
contract liabilities 304.494.018.436 13.296.540.254 939.671.346.766 76.203.930.124 1.333.665.835.580
Pendapatan jasa
asuransi/Insurance
service revenue (3.129.389.071.625) - - - (3.129.389.071.625)
Beban jasa asuransi/
Insurance service
expense 438.178.180.557 6.277.975.883 2.437.367.698.034 (14.475.525.669) 2.867.348.328.805
Klaim yang terjadi
dan beban jasa
asuransi/Incurred
claim and Insurance
service expense - - 1.567.922.393.314 42.102.985.870 1.610.025.379.184
Arus kas akuisisi
asuransi/Insurance
acquisition cash
flows 438.178.180.557 - - - 438.178.180.557
Perubahan arus kas
untuk klaim yang
terjadi/Changes in
cash flows for
incurred claims - - 760.805.929.851 (56.578.511.539) 704.227.418.312
Kerugian dari
kontrak merugi dan
pembalikan
kerugian/Losses on
onerous contracts
and reversals of
those losses - 6.277.975.883 - - 6.277.975.883
Beban jasa asuransi
lainnya/Other
insurance service
expense - - 108.639.374.869 - 108.639.374.869
Komponen investasi/
Investment
components - - - - -
Hasil jasa asuransi/
Insurance service
result (2.691.210.891.068) 6.277.975.883 2.437.367.698.034 (14.475.525.669) (262.040.742.820)
Pendapatan asuransi
bersih/Net
insurance income 1.836.154.966 - 17.502.701.212 - 19.338.856.178
62
Page 429
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI (Lanjutan) 14. INSURANCE CONTRACT LIABILITIES (Continued)
2024 (Lanjutan/Continued)
Liabilitas untuk Sisa Masa
Pertanggunggan/ Liabilitas atas Klaim yang Sudah Terjadi/
Liabilities for Remaining Coverage Liabilities for Incurred Claim
Kecuali Komponen Estimasi Nilai Kini
Pemulihan dari Arus Kas Masa
Kerugian/ Depan/
Excluding Loss Komponen Estimates of the Penyesuaian
Deskripsi/ Recovery Kerugian/ Present Value of Risiko/
Description Component Loss Component Future Cash Flows Risk Adjustment Jumlah/Total
Arus kas/Cash flows 2.684.642.094.040 - (2.395.831.153.618) - 288.810.940.422
Premi diterima/
Premium received 3.078.621.722.994 - - - 3.078.621.722.994
Arus kas akuisisi
asuransi/Insurance
acquisition cash
flows (393.979.628.954) - - - (393.979.628.954)
Klaim dan beban jasa
asuransi/Claims
and insurance
service expense - - (2.395.831.153.618) - (2.395.831.153.618)
Arus kas lainnya/
Other cash flows - - - - -
Jumlah arus kas/
Total cash flows
Lain-lain/Others - - - - -
Saldo akhir nilai buku/
Book value at the
ending balance 299.462.845.505 19.574.516.137 998.710.592.395 61.728.404.455 1.379.476.358.492
Aset kontrak
asuransi/Insurance
contract assets - - - - -
Liabilitas kontrak
asuransi/Insurance
contract liabilities 299.462.845.505 19.574.516.137 998.710.592.395 61.728.404.455 1.379.476.358.492
a. Estimasi liabilitas kontrak asuransi atas sisa masa a. Insurance contract liability of remaining coverage
pertanggungan
2025 2024
Harta benda 234.372.638.039 138.455.301.881 Property
Kesehatan 196.576.371.013 178.043.573.024 Health
Kendaraan bermotor 47.955.589.342 53.624.682.070 Motor vehicles
Rekayasa 40.345.655.479 32.567.214.437 Engineering
Kredit 654.010.407 ( 94.550.342.960) Credit
Rangka pesawat 588.284.406 1.918.156.334 Aviation hull
Rangka kapal 192.194.837 - Marine hull
Pengangkutan ( 2.854.700.212) ( 5.142.986.536) Marine cargo
Lain-lain 6.820.222.496 14.121.763.392 Others
Jumlah 524.650.265.807 319.037.361.642 Total
b. Estimasi liabilitas kontrak asuransi atas klaim yang b. Insurance contract liability of incurred claim
terjadi
2025 2024
Harta benda 796.228.340.242 601.371.791.189 Property
Kredit 201.940.876.551 138.054.942.018 Credit
Rekayasa 170.006.776.358 145.869.301.729 Engineering
Kesehatan 72.230.389.694 84.580.278.512 Health
Kendaraan bermotor 21.841.950.332 20.599.486.708 Motor vehicles
Pengangkutan 13.549.736.718 13.101.476.051 Marine cargo
Lain-lain 20.407.106.848 56.861.720.643 Others
Jumlah 1.296.205.176.743 1.060.438.996.850 Total
63
Page 430
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI (Lanjutan) 14. INSURANCE CONTRACT LIABILITIES (Continued)
Metode yang digunakan dalam menghitung tingkat liabilitas Method used in calculating insurance contract liabilities:
kontrak asuransi:
1. Pendekatan alokasi premi untuk menghitung liabilitas 1. Premium allocation approach is used to calculate
kontrak asuransi atas sisa masa pertanggungan. insurance contract liability of remaining coverage.
2. Gabungan metode Paid Loss Development Method 2. Combination of Paid Loss Development Method (PLDM)
(PLDM) dan Incurred Loss Development Method (ILDM) and Incurred Loss Development Method (ILDM) method
untuk menghitung Best Estimate Liability (BEL) atas is used to calculate the Best Estimate Liability (BEL) of
klaim yang terjadi. insurance contract liability of incurred claim.
3. Metode Mack untuk menentukan penyesuaian risiko 3. Mack Method is used to determine the risk adjustment.
nonkeuangan. Dengan asumsi bahwa distribusi Under the assumption that probability distribution of
probabilitas nilai sekarang dari arus kas masa depan present value of future cash flows as at each reporting
pada setiap tanggal pelaporan mengikuti distribusi date follows normal distribution, calculate risk
normal, hitungan penyesuaian risiko sebagai jumlah adjustment as the amount which 75% percentile
yang melebihi 75% dari rata-rata tertimbang probabilitas exceed the probability weighted average of present
nilai sekarang dari arus kas masa depan. value of future cash flows.
4. Dalam menentukan tingkat diskonto menggunakan 4. In determine the discount rate using an adjusted risk
struktur suku bunga bebas risiko yang disesuaikan, yang free term structure if interest rates, which incorporates
memperhitungkan suku bunga forward jangka panjang the long-term forward rate and liquidity premium.
dan likuiditas premi.
5. Biaya operasional aktual dihitung dengan cara 5. The actual business expenses are calculated by
mengklasifikasikan dan mengalokasikan jumlah biaya classifying and allocating amounts according to
berdasarkan atributnya. Biaya pengelolaan investasi attributes. Investment management expenses are
dihitung berdasarkan statistik pengalaman selama calculated based on the experience statistics of the
3 tahun sebelumnya per 31 Desember 2025 dan 2024. preceding 3 years as of December 31, 2025 and 2024,
Biaya usaha (yang meliputi biaya akuisisi langsung yang businesses expenses (direct deferred acquisition costs,
ditangguhkan, biaya pemeliharaan langsung, serta biaya direct maintenance expenses, indirect expenses), and
tidak langsung dan biaya penanganan klaim dihitung claims handling cost is calculated based on the
berdasarkan statistik pengalaman pada tahun statistics of the preceding year as of December 31,
sebelumnya per 31 Desember 2025. Namun demikian, 2025. However, allowance fees and incentives are
biaya pencadangan dan insentif diterapkan berdasarkan applied based on the business plan.
rencana bisnis (business plan).
Asumsi yang digunakan dalam menghitung tingkat klaim Assumptions used in calculating long-term insurance
asuransi jangka panjang: claims:
2025
Biaya Penanganan
Klaim/ Biaya Tingkatan
Jenis Asuransi/ Klaim Biaya/ Claim Handling Biaya Akuisisi/ Pemeliharaan/ Pembatalan/
Type of Insurance Claim Ratio Fee Acquisition Cost Maintenance Fee Cancellation Rate
Harta benda/Property 44,15% 4,08% 19,69% 3,10% 0,42%
Kendaraan bermotor/Motor vehicle 39,83% 0,13% 33,36% 9,25% 7,22%
Pengangkutan/Marine cargo 23,39% 12,58% 15,37% 11,14% 0,00%
Rangka kapal/Marine hull 55,00% 0,00% 0,00% 0,00% 0,00%
Rangka pesawat/Aviation hull 70,00% 0,00% 0,00% 0,48% 0,00%
Rekayasa/Engineering 53,27% 6,00% 4,79% 3,58% 0,77%
Tanggung gugat/Liability 63,85% 1,41% 81,29% 24,18% 0,12%
Kecelakaan diri/General accident 6,96% 0,00% 123,06% 7,24% 0,04%
Kesehatan/Health 72,92% 0,00% 3,25% 7,11% 5,41%
Kredit/Credit 98,50% 0,06% 0,78% 0,37% 0,28%
Aneka/Miscellaneous 25,63% 0,06% 21,05% 19,68% 7,17%
64
Page 431
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
14. LIABILITAS KONTRAK ASURANSI (Lanjutan) 14. INSURANCE CONTRACT LIABILITIES (Continued)
2024
Biaya Penanganan
Klaim/ Biaya Tingkatan
Jenis Asuransi/ Klaim Biaya/ Claim Handling Biaya Akuisisi/ Pemeliharaan/ Pembatalan/
Type of Insurance Claim Ratio Fee Acquisition Cost Maintenance Fee Cancellation Rate
Harta benda/Property 50,97% 4,34% 17,68% 3,29% 0,42%
Kendaraan bermotor/Motor vehicle 38,03% 0,08% 17,81% 9,70% 6,60%
Pengangkutan/Marine cargo 22,99% 17,59% 11,85% 12,56% 0,00%
Rangka kapal/Marine hull - - - - -
Rangka pesawat/Aviation hull 70,00% 0,00% 0,00% 0,00% 0,00%
Rekayasa/Engineering 65,50% 6,30% 5,60% 6,57% 10,15%
Tanggung gugat/Liability 58,79% 2,03% 2,99% 16,40% 0,09%
Kecelakaan diri/General accident 8,25% 0,09% 33,18% 56,35% 0,04%
Kesehatan/Health 74,26% 0,00% 3,22% 3,97% 5,11%
Kredit/Credit 98,20% 0,00% 1,72% 0,54% 0,00%
Aneka/Miscellaneous 39,42% 0,00% 13,75% 28,96% 7,94%
15. LIABILITAS IMBALAN KERJA KARYAWAN 15. EMPLOYEE BENEFITS LIABILITIES
a. Imbalan Kerja Karyawan a. Employee Benefits
Imbalan kerja karyawan merupakan provisi atas bagi Employee benefits include provisions for profit sharing
laba dan bonus yang akan dibayarkan setelah finalisasi and bonuses payable upon completion of the annual
laporan keuangan auditan akhir tahun. audited financial statements.
Besarnya provisi dari laba dan bonus yang akan The amount of profit sharing and bonuses to be shared
dibagikan Perusahaan akan sangat tergantung pada by the Company would depend on several factors such
beberapa hal, yaitu, pencapaian target penjualan, as, achievement of sales targets, cost efficiency,
efisiensi biaya, profitabilitas, dan perencanaan profitability, and Company’s plan for future expansion.
ekspansi Perusahaan di masa mendatang.
Mutasi liabilitas imbalan kerja karyawan adalah sebagai The movements of employee benefits liabilities are as
berikut: follows:
2025 2024
Saldo awal 6.730.000.000 4.694.114.714 Beginning balance
Dibebankan pada laba rugi: Charged to profit or loss:
Provisi selama tahun berjalan 25.500.000.000 12.144.900.000 Provision during the year
Pemulihan cadangan bonus ( 8.932.390.000) ( 10.109.014.714) Reversal of bonus provision
Saldo akhir 23.297.610.000 6.730.000.000 Ending balance
b. Imbalan Pasca kerja b. Post-employment Benefits
Jumlah yang diakui pada laporan posisi keuangan The amounts recognized in the statement of financial
ditentukan sebagai berikut: position are determined as follows:
2025 2024
Nilai kini kewajiban yang didanai 38.667.932.689 35.381.965.037 Present value of funded obligation
Nilai wajar aset program ( 50.587.667.462) ( 48.624.560.377) Fair value of plan assets
Surplus sebelum aset ceiling ( 11.919.734.773) ( 13.242.595.340) Surplus before asset ceiling
65
Page 432
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. LIABILITAS IMBALAN KERJA KARYAWAN (Lanjutan) 15. EMPLOYEE BENEFITS LIABILITIES (Continued)
b. Imbalan Pasca kerja (Lanjutan) b. Post-employment Benefits (Continued)
Mutasi liabilitas imbalan pasti selama tahun berjalan The movements in the post-employment benefits
adalah sebagai berikut: liabilities during the year are as follows:
2025 2024
Saldo awal 35.381.965.037 51.461.516.722 Beginning balance
Biaya jasa kini 3.913.262.082 3.465.162.041 Current service cost
Biaya bunga 2.512.119.518 3.447.921.620 Interest cost
Pembayaran pesangon ( 3.777.966.463) ( 9.693.619.562) Benefits paid
Penyesuaian atas perubahan Adjustment due to change in
program manfaat - ( 8.265.086.479) benefit program
(Keuntungan) kerugian aktuaria: (Gain) on loss in actuarial:
Dampak perubahan Effects on changes in
asumsi keuangan 1.629.146.546 ( 1.030.242.504) financial assumptions
Dampak penyesuaian pengalaman ( 990.594.031) ( 4.003.686.801) Effects of experience adjustments
Saldo akhir 38.667.932.689 35.381.965.037 Ending balance
Aset program terdiri dari: The plan assets consists of following:
2025 2024
Reksa dana pendapatan tetap 50.587.667.462 48.624.560.377 Fixed income mutual fund
Mutasi aset program selama tahun berjalan adalah The movements of the plan assets during the year are
sebagai berikut: as follows:
2025 2024
Saldo awal 48.624.560.377 55.784.429.307 Beginning balance
Penghasilan bunga 3.452.343.787 3.737.556.764 Interest income
Keuntungan (kerugian) aktuaria Actuarial gain
atas aset 1.857.679.131 ( 1.679.601.132) (loss) on assets
Pembayaran aset program ( 3.346.915.833) ( 9.217.824.562) Payment from plan assets
Saldo akhir 50.587.667.462 48.624.560.377 Ending balance
Beban imbalan pasca kerja yang diakui di laba rugi Post-employment benefits expenses recognized in profit
adalah sebagai berikut: or loss are as follows:
2025 2024
Biaya jasa kini 3.913.262.082 3.465.162.041 Current service cost
Beban bunga dari liabilitas Interest cost on post-employment
imbalan pasca kerja 2.512.119.518 3.447.921.620 benefits liabilities
Penghasilan bunga pada Interest income on
aset program 633.297.476 289.635.143 plan assets
Dampak bunga pada batas Interest on effect of
atas aset ceiling ( 3.452.343.787) ( 3.737.556.764) assets ceiling
Perubahan program - ( 8.265.086.479) Plan amendment
Jumlah biaya yang diakui di Total expenses recognized in
laba rugi 3.606.335.289 ( 4.799.924.439) profit or loss
66
Page 433
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. LIABILITAS IMBALAN KERJA KARYAWAN (Lanjutan) 15. EMPLOYEE BENEFITS LIABILITIES (Continued)
b. Imbalan Pasca kerja (Lanjutan) b. Post-employment Benefits (Continued)
Rincian kerugian (keuntungan) aktuarial yang diakui di The details of the actuarial gains (losses) recognized in
dalam penghasilan komprehensif lain adalah sebagai other comprehensive income are as follows:
berikut:
2025 2024
Dampak penyesuaian pengalaman 990.594.031 4.003.686.801 Effects of experience adjustments
Dampak perubahan Effects on changes in
asumsi keuangan ( 1.629.146.546) 1.030.242.504 financial assumptions
Keuntungan (kerugian) aktuaria Actuarial gains on (losses)
atas aset program 1.857.679.131 ( 1.679.601.132) assets program
Dampak aset ceiling tidak Effect of asset ceiling
termasuk bunga 1.956.158.043 ( 8.630.047.612) excluding interest
Jumlah yang diakui di Total amount recognized in
penghasilan komprehensif lain 3.175.284.659 ( 5.275.719.439) other comprehensive income
Liabilitas imbalan kerja ditentukan dengan The post-employment benefits liabilities were
menggunakan metode Projected Unit Credit dengan determined using the Projected Unit Credit method with
asumsi-asumsi sebagai berikut: the following assumptions:
2025 2024
Jumlah karyawan 382 orang/person 357 orang/person Total employees
Estimasi rata-rata sisa Estimated average future
manfaat kerja karyawan 20,32 19,95 years of service
Usia pensiun normal 55 tahun/years 55 tahun/years Normal retirement age
Tingkat kenaikan gaji 7,00% 7,00% Salary increase rate
Tingkat diskonto 6,50% 7,10% Discount rate
Tingkat mortalitas Indonesia IV 2019 Indonesia IV 2019 Mortality rate
Tingkat cacat 0,02% 0,02% Disability rate
Pada tanggal 31 Desember 2025 dan 2024, liabilitas As of December 31, 2025 and 2024, the Company’s
imbalan pasca kerja Perusahaan dihitung oleh Kantor post-employment benefits liabilities was calculated by
Konsultan Aktuaria Agus Susanto, aktuaris independen, Kantor Konsultan Aktuaria Agus Susanto, independent
masing-masing dengan laporan No. 256/PSAK/KKA- actuary, based on its report No. 256/PSAK/KKA-
AS/II/2026 dan No. 252/PSAK/KKA-AS/II/2025, AS/II/2026 and No. 252/PSAK/KKA-AS/II/2025, dated
tanggal 25 Februari 2026 dan 17 Februari 2025. February 25, 2026 and February 17, 2025,
respectively.
Analisis sensitivitas kuantitatif untuk asumsi yang Quantitative sensitivity analysis for significant
signifikan pada tanggal 31 Desember 2025 dan 2024 assumptions as at December 31, 2025 and 2024 are
sebagai berikut: follows:
Liabilitas Imbalan Pasca kerja/
Post-employment Benefits Liabilities
Perubahan Asumsi/
Change in Assumptions 2025 2024
Tingkat diskonto/ Kenaikan 1%/Increase 1% 36.014.201.584 33.004.571.494
Discount rate Penurunan 1%/Decrease 1% 41.655.771.311 38.051.396.589
Tingkat kenaikan gaji/ Kenaikan 1%/Increase 1% 41.405.412.641 37.831.995.038
Salary increase rate Penurunan 1%/Decrease 1% 36.184.091.048 33.155.160.322
67
Page 434
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
15. LIABILITAS IMBALAN KERJA KARYAWAN (Lanjutan) 15. EMPLOYEE BENEFITS LIABILITIES (Continued)
b. Imbalan Pasca kerja (Lanjutan) b. Post-employment Benefits (Continued)
Analisa sensitivitas didasarkan pada perubahan atas The sensitivity analyses are based on a change in
satu asumsi aktuarial di mana asumsi lainnya dianggap an assumption while holding all other assumptions
konstan. Dalam praktiknya, hal ini jarang terjadi dan constant. In practice, this is unlikely to occur, and
perubahan beberapa asumsi mungkin saling changes in some of the assumptions may be correlated.
berkorelasi. Dalam perhitungan sensitivitas liabilitas When calculating the sensitivity of the post-employment
imbalan pasca kerja atas asumsi aktuarial utama, benefits liabilities to significant actuarial assumptions
metode yang sama (perhitungan nilai kini liabilitas the same method (present value of the defined benefits
imbalan pasti dengan menggunakan metode Projected liabilities calculated with the Projected Unit Credit
Unit Credit di akhir periode) telah diterapkan seperti method at the end of the reporting period) has been
dalam penghitungan kewajiban pensiun yang diakui applied as when calculating the pension liability
dalam laporan posisi keuangan. recognized within the statement of financial position.
Metode dan tipe asumsi yang digunakan dalam The methods and types of assumptions used in
menyiapkan analisa sensitivitas tidak berubah dari preparing the sensitivity analysis did not change
periode sebelumnya. compared to the previous period.
Jatuh tempo liabilitas imbalan pasca kerja pada tanggal The maturity of post-employment benefits liabilities as
31 Desember 2025 dan 2024 adalah sebagai berikut: at December 31, 2025 and 2024 are as follows:
2025 2024
Dalam waktu 12 bulan berikutnya
(periode laporan periode Within the next 12 months
berikutnya) 1.397.432.118 2.822.342.233 (the next annual)
Antara 1 dan 5 tahun 11.064.249.926 8.548.897.077 Between 1 and 5 years
Antara 5 dan 10 tahun 12.944.269.654 11.269.895.504 Between 5 and 10 years
Di atas 10 tahun 13.261.980.991 12.740.830.223 Beyond 10 years
16. UTANG LAIN-LAIN 16. OTHER PAYABLES
2025 2024
Deposit ASO 82.355.532.661 79.613.380.735 ASO deposit
Administrasi dan profit sharing 58.100.624.681 700.000.000 Administration and profit sharing
Utang pihak ketiga 16.782.959.748 10.860.647.645 Third parties payables
Deposit pihak ketiga 9.512.344.388 7.765.689.754 Third parties deposit
Deposit pelanggan 1.345.397.960 463.056.011 Customers’s deposits
Dividen 559.449.906 557.046.906 Dividends
Sewa diterima di muka - Unearned rent income -
pihak ketiga 257.850.162 118.187.673 third parties
Lain-lain 17.611.510.738 8.798.128.143 Others
Jumlah 186.525.670.244 108.876.136.867 Total
Akun utang lain-lain merupakan biaya masih harus dibayar, Other payables mainly represent accrued expenses,
premi yang dibayar di muka dan penerimaan premi yang premium paid in advance and premium received but in
masih dalam proses identifikasi. process of identification.
68
Page 435
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
17. MODAL SAHAM 17. SHARE CAPITAL
Sesuai dengan daftar pemegang saham yang dikeluarkan Based on shareholders list issued by PT Sharestar
oleh PT Sharestar Indonesia, biro administrasi efek Indonesia, Company’s share registrar, the composition of
Perusahaan, susunan pemegang saham Perusahaan pada the Company’s shareholders as of December 31, 2025 and
tanggal 31 Desember 2025 dan 2024 adalah sebagai 2024 are as follows:
berikut:
2025
Jumlah Persentase
Saham/ Kepemilikan/
Number of Percentage of Jumlah/
Pemegang Saham Shares Ownership Total Shareholders
Hanwha General Hanwha General
Insurance Co., Ltd. 1.845.000.000 61,50% 92.250.000.000 Insurance Co., Ltd.
PT Inti Anugrah Pratama 543.000.000 18,10% 27.150.000.000 PT Inti Anugrah Pratama
PT Hanwha Life PT Hanwha Life
Insurance Indonesia 385.927.000 12,86% 19.296.350.000 Insurance Indonesia
Masyarakat (masing-masing
dengan kepemilikan Public (each
di bawah 5%) 226.073.000 7,54% 11.303.650.000 below 5% ownership)
Jumlah 3.000.000.000 100,00% 150.000.000.000 Total
2024
Jumlah Persentase
Saham/ Kepemilikan/
Number of Percentage of Jumlah/
Pemegang Saham Shares Ownership (%) Total Shareholders
PT Hanwha Life PT Hanwha Life
Insurance Indonesia 1.783.927.000 59,46% 89.196.350.000 Insurance Indonesia
PT Inti Anugrah Pratama 690.000.000 23,00% 34.500.000.000 PT Inti Anugrah Pratama
Hanwha General Hanwha General
Insurance Co., Ltd. 447.000.000 14,90% 22.350.000.000 Insurance Co., Ltd.
Masyarakat (masing-masing
dengan kepemilikan Public (each
di bawah 5%) 79.073.000 2,64% 3.953.650.000 below 5% ownership)
Jumlah 3.000.000.000 100,00% 150.000.000.000 Total
Pada tanggal 12 Desember 2025, dalam Rapat Umum On December 12, 2025, in the Extraordinary General
Pemegang Saham Luar Biasa (RUPS LB) telah diambil Meeting of Shareholders (RUPS LB) a decision was made to
keputusan untuk menyetujui pengambilalihan dan approve the acquisition and change in ownership of the
kepemilikan saham pengendali Perusahaan dari Company’s controlling shares, namely transfer by
PT Hanwha Life Insurance Indonesia kepada Hanwha PT Hanwha Life Insurance Indonesia to Hanwha General
General Insurance Co.,Ltd., atas 46,60% saham. Insurance Co., Ltd., of 46.60% shares.
69
Page 436
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
17. MODAL SAHAM (Lanjutan) 17. SHARE CAPITAL (Continued)
Sehubungan dengan pengambilalihan PT Lippo General In connection with the acquisition of PT Lippo General
Insurance Tbk (“Perusahaan”) oleh Hanwha General Insurance Tbk (“the Company”) by Hanwha General
Insurance Co., Ltd., tidak berkewajiban untuk Insurance Co., Ltd., the Company not required to carry out
melaksanakan Penawaran Tender Wajib berdasarkan POJK a Mandatory Tender Offer based on Financial Services
No. 9/POJK.04/2018 tentang Pengambilalihan Authority Regulation No. 9/POJK.04/2018 concerning
Perusahaan Terbuka. Pengambilalihan dan kepemilikan the Takeover of Public Companies recorded on the Deed
saham Perusahaan telah dicatat pada No. 149 dated December 29, 2025 by Sriwi Bawana
Akta No. 149 tanggal 29 Desember 2025 oleh Sriwi Nawaksari, S.H., M.Kn. The Deed has received Notification
Bawana Nawaksari, S.H., M.Kn. Akta tersebut telah of Change of Company Data from the Ministry of Law of the
mendapat Penerimaaan Pemberitahuan Perubahan Data Republic of Indonesia, Directorate General of General Legal
Perseroan dari Kementerian Hukum Republik Indonesia Administration No. AHU-AH.01.09-0060228 dated
Direktorat Jenderal Administrasi Hukum Umum February 18, 2026 and has been registered in the Company
No. AHU-AH.01.09-0060228 tanggal 18 Februari 2026 Register No. AHU-0030671.AH.01.11.Tahun 2026, dated
dan telah terdaftar dalam Daftar Perseroan February 18, 2026.
No. AHU-0030671.AH.01.11.Tahun 2026 tanggal
18 Februari 2026.
Berdasarkan Akta Notaris No. 91 tanggal 21 Agustus 2024 Based on Notarial Deed No. 91 dated August 21, 2024
dari Sriwi Bawana Nawaksari, S.H., M.Kn., sehubungan from Sriwi Bawana Nawaksari, S.H., M.Kn., pertinent
dengan Pernyataan Sebagian Keputusan RUPS LB, to the Statement of Partial Resolution of the RUPS LB,
pemegang saham telah menyetujui perubahan nilai the shareholders have agreed to change the nominal value
nominal saham dari Rp500 per saham menjadi Rp50 of the shares (stock split) from Rp500 per share to Rp50
per saham atau 1:10, sehingga jumlah saham beredar akan per share or 1:10, therefore that the number of outstanding
berubah dari 300.000.000 lembar saham menjadi shares will change from 300,000,000 shares
3.000.000.000 lembar saham. Perubahan nilai nominal to 3,000,000,000 shares. The change in the nominal value
saham (stock split) tersebut telah dilakukan pada tanggal of the shares has been carried out on September 17, 2024.
17 September 2024. Akta tersebut telah mendapatkan The Deed has received Notification of Amendment to the
Penerimaan Pemberitahuan Perubahan Anggaran Articles of Association of PT Lippo General Insurance Tbk
Dasar PT Lippo General Insurance Tbk dari Kementerian from the Ministry of Law and Human Rights of the Republic
Hukum dan Hak Asasi Manusia Republik Indonesia of Indonesia, Directorate General of General Legal
Direktorat Jenderal Administrasi Hukum Umum Administration No. AHU-AH.01.03-0187803 dated
No. AHU-AH.01.03-0187803 tanggal 30 Agustus 2024 August 30, 2024, and has been registered in the Company
dan telah terdaftar dalam Daftar Perseroan Register No. AHU-0184093.AH.01.11.Tahun 2024 dated
No. AHU-0184093.AH.01.11.Tahun 2024 tanggal August 30, 2024.
30 Agustus 2024.
Pada tanggal 31 Desember 2024, terdapat saham yang On December 31, 2024, there are 50,000 shares owned by
dimiliki oleh Choi Hyunhee selaku Wakil Presiden Direktur Choi Hyunhee as the Vice President Director.
sebanyak 50.000 lembar saham.
18. TAMBAHAN MODAL DISETOR 18. ADDITIONAL PAID-IN CAPITAL
Rincian tambahan modal disetor adalah sebagai berikut: The details of additional paid-in capital are as follows:
2025 dan/and 2024
Peningkatan modal disetor tahun 1997 yang Additional paid-in capital in 1997
pembayarannya di atas nilai nominal 21.700.000.000 from capital share payments
Peningkatan modal disetor melalui Additional paid-in capital from
penawaran umum 87.975.000.000 initial public offering
Penyesuaian akibat perubahan kebijakan Adjustment due to changes of the accounting
akuntansi mengenai biaya emisi saham ( 6.950.066.595) policy for share issuance cost
Pembagian saham bonus ( 75.000.000.000) Distribution of bonus shares
Selisih nilai transaksi Difference in value of restructuring
restrukturisasi entitas pengendali 17.764.835.415 transactions of entities common control
Neto 45.489.768.820 Net
70
Page 437
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
18. TAMBAHAN MODAL DISETOR (Lanjutan) 18. ADDITIONAL PAID-IN CAPITAL (Continued)
Sesuai dengan keputusan Rapat Umum Pemegang Saham In accordance with the decision of the Extraordinary
Luar Biasa (RUPS LB) tanggal 30 Juni 2022, para pemegang General Meeting of Shareholders (RUPS LB) dated
saham menyetujui peningkatan modal ditempatkan June 30, 2022, the shareholders agreed to increase
dan disetor diikuti dengan penerbitan saham baru yang the issued and paid-up capital followed by the issuance of
diambil dari portepel melalui mekanisme pembagian new shares taken from the portfolio through the mechanism
saham bonus yang bukan merupakan dividen saham yang of distribution of bonus shares which are not share
berasal dari kapitalisasi agio saham milik Perusahaan. dividends derived from the capitalization of premium shares
owned by the Company.
19. SALDO LABA 19. RETAINED EARNINGS
Pada Rapat Umum Pemegang Saham Tahunan Perusahaan Based on Annual General Meeting of Shareholders held
yang diadakan pada tanggal 29 April 2025, telah disetujui on April 29, 2025, the shareholders approved
pembagian dividen tunai untuk tahun 2024 sejumlah the declaration of cash dividend for 2024 amounted
Rp18.000.000.000 dan untuk menyisihkan cadangan to Rp18,000,000,000 and set aside general reserves
umum sebesar Rp1.000.000.000 dari laba neto tahun of Rp1,000,000,000 from net income in 2024.
2024.
Pada Rapat Umum Pemegang Saham Tahunan Perusahaan Based on Annual General Meeting of Shareholders held
yang diadakan pada tanggal 29 April 2024, telah disetujui on April 29, 2024, the shareholders approved
pembagian dividen tunai untuk tahun 2023 sejumlah the declaration of cash dividend for 2023 amounted
Rp8.100.000.000 dan untuk menyisihkan cadangan umum to Rp8,100,000,000 and set aside general reserves of
sebesar Rp1.000.000.000 dari laba neto tahun 2023. Rp1,000,000,000 from net income in 2023.
Oleh karena itu, jumlah cadangan umum Perusahaan Therefore, the total general reserve of the Company
pada tanggal 31 Desember 2025 dan 2024 masing-masing as of December 31, 2025 and 2024 amounted
adalah sebesar Rp24.000.000.000 dan to Rp24,000,000,000 and Rp23,000,000,000,
Rp23.000.000.000. respectively.
71
Page 438
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. HASIL JASA ASURANSI 20. INSURANCE SERVICE RESULTS
2025
(Dalam jutaan Rupiah/In million Rupiah)
Kendaraan
Bermotor/ Rangka Rangka
Harta Benda/ Motor Pengangkutan/ Kapal/ Pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property Vehicles Marine Cargo Marine Hull Aviation Hull Engineering Health Credit Others Total
Pendapatan asuransi 564.096 117.845 46.859 107 2.687 140.371 1.259.585 1.596.050 42.374 3.769.972 Insurance service revenue
Beban jasa asuransi Insurance service expense
Amortisasi arus Amortization of insurance
kas akuisisi ( 194.096) ( 53.720) ( 19.241) ( 44) ( 307) ( 26.843) ( 123.335) ( 20.869) ( 12.838) ( 451.293) acquisition cash flows
Beban untuk Expense for
Perubahan dalam changes in
kewajiban atas klaim liability for
yang terjadi ( 357.331) ( 59.408) ( 9.449) - - ( 63.837) ( 682.943) ( 632.006) ( 11.564) ( 1.816.538) claims incurred
Beban untuk Expense for
perubahan dalam changes in
penyesuaian risiko atas risk adjustment for
klaim yang terjadi ( 23.430) ( 2.544) ( 204) - - ( 4.437) ( 9.802) - ( 352) ( 40.769) claims incurred
Biaya penanganan klaim ( 7.221) ( 27) ( 439) - - ( 1.898) - - ( 112) ( 9.697) Claim handling cost
Biaya pemeliharaan ( 19.978) ( 11.018) ( 4.542) - ( 137) ( 9.925) ( 114.777) ( 4.124) ( 18.841) ( 183.342) Maintenance expenses
Perubahan yang Changes that
berkaitan dengan relate to
layanan masa lalu past service
untuk perubahan dalam for change
arus kas pemenuhan in fulfillment cash flows
klaim yang telah terjadi 46.921 6.752 ( 442) - - ( 11.376) ( 37.920) ( 930.436) 12.122 ( 914.378) for incurred claim
Kenaikan komponen Increase in loss
kerugian 4.350 ( 13.335) ( 47) ( 35) - 1.060 2.849 - ( 3.369) ( 8.527) component
Sub Jumlah ( 550.785) ( 133.300) ( 34.364) ( 79) ( 444) ( 117.256) ( 965.928) ( 1.587.434) ( 34.954) ( 3.424.544) Sub Total
Hasil jasa asuransi Insurance service result
sebelum kontrak before reinsurance
reasuransi milikan 13.312 ( 15.455) 12.495 28 2.243 23.113 293.658 8.615 7.419 345.428 contracts held
72
Page 439
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. HASIL JASA ASURANSI (Lanjutan) 20. INSURANCE SERVICE RESULTS (Continued)
2025 (Lanjutan/Continued)
(Dalam jutaan Rupiah/In million Rupiah)
Kendaraan
Bermotor/ Rangka Rangka
Harta Benda/ Motor Pengangkutan/ Kapal/ Pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property Vehicles Marine Cargo Marine Hull Aviation Hull Engineering Health Credit Others Total
Pendapatan (beban) dari Net income (expense)
kontrak reasuransi from reinsurance
milikan contracts held
Perubahan reasuransi Reinsurance changes
yang terkait dengan that related
jasa masa lalu ( 104.466) ( 126) 2.037 - - 12.270 14.394 - ( 716) ( 76.608) to past services
Pendapatan jasa Reinsurance service
reasuransi - klaim income
terjadi 263.685 5.514 3.786 - - 45.016 13.513 - 4.431 335.945 inccured claim
Pendapatan jasa Reinsurance service
reasuransi - biaya income claim
penanganan klaim 5.537 3 176 - - 1.337 - - 47 7.099 handling cost
Pendapatan jasa Reinsurance service
reasuransi penyesuaian income claim risk
risiko atas klaim terjadi 17.549 220 48 - - 3.111 277 - 72 21.277 adjustment
Kenaikan (penurunan) Increase (decrease)
komponen pemulihan in loss recovery
kerugian ( 2.852) 208 23 - - ( 899) ( 252) - 1.521 ( 2.252) component
Beban jasa Reinsurance service
reasuransi ( 337.264) ( 2.119) ( 12.735) ( 80) ( 2.713) ( -
94.640) ( 29.242) ( 11.648) ( 19.900) ( 510.341) expenses
Beban neto dari kontrak Net expense from
reasuransi reinsurance contracts
milikan ( 157.811) 3.700 ( 6.666) ( 80) ( 2.713) ( 33.805) ( 1.311) ( 11.648) ( 14.545) ( 224.880) held
Hasil jasa asuransi ( 144.499) ( 11.756) 5.830 ( 52) ( 470) ( 10.692) 292.347 ( 3.033) ( 7.125) 120.548 Insurance service result
73
Page 440
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. HASIL JASA ASURANSI (Lanjutan) 20. INSURANCE SERVICE RESULT (Continued)
2024
(dalam jutaan Rupiah/in million Rupiah)
Kendaraan
Bermotor/ Rangka Rangka
Harta Benda/ Motor Pengangkutan/ Kapal/ Pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property Vehicles Marine Cargo Marine Hull Aviation Hull Engineering Health Credit Others Total
Pendapatan asuransi 549.266 131.500 46.292 - 2.884 99.097 1.157.355 1.084.941 58.054 3.129.389 Insurance service revenue
Beban jasa asuransi Insurance service expense
Amortisasi arus Amortization of insurance
kas akuisisi ( 205.425) ( 38.586) ( 15.220) - ( 201) ( 17.127) ( 125.240) ( 25.757) ( 10.622) ( 438.178) acquisition cash flow
Beban untuk Expense for
perubahan dalam changes in
kewajiban atas klaim liability for
yang terjadi ( 331.367) ( 57.697) ( 15.229) - - ( 44.749) ( 847.938) ( 242.914) ( 18.505) ( 1.558.399) claims incurred
Beban untuk Expense for
perubahan dalam changes in
penyesuaian risiko atas risk adjustment for
klaim yang terjadi ( 20.281) ( 2.418) ( 776) - - ( 3.857) ( 14.215) - ( 557) ( 42.104) claims incurred
Biaya penanganan klaim ( 6.743) ( 14) ( 1.182) - - ( 1.439) - - ( 145) ( 9.523) Claim handling cost
Biaya pemeliharaan ( 17.449) ( 10.747) ( 5.433) - ( 17) ( 6.201) ( 48.644) ( 5.344) ( 14.805) ( 108.640) Maintenance expenses
Perubahan yang Changes that
berkaitan dengan relate to
layanan masa lalu past service
untuk perubahan dalam for change
arus kas pemenuhan in fulfillment cash flows
klaim yang telah terjadi 154.134 2.780 6.096 - - ( 1.047) ( 71.366) ( 807.832) 13.009 ( 704.226) for incurred claim
Kenaikan komponen Increase in loss
kerugian ( 4.581) ( 766) ( 17) - - ( 770) ( 870) - 726 ( 6.278) component
Sub Jumlah ( 431.712) ( 107.448) ( 31.761) ( 218) ( 75.190) ( 1.108.273) ( 1.081.847) ( 30.899) ( 2.867.348) Sub Total
Hasil jasa asuransi Insurance service result
sebelum kontrak before reinsurace
reasuransi milikan 117.554 24.052 14.531 - 2.666 23.907 49.082 3.094 27.155 262.041 contracts held
74
Page 441
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
20. HASIL JASA ASURANSI (Lanjutan) 20. INSURANCE SERVICE RESULT (Continued)
2024 (Lanjutan/Continued)
(Dalam jutaan Rupiah/In million Rupiah)
Kendaraan
Bermotor/ Rangka Rangka
Harta Benda/ Motor Pengangkutan/ Kapal/ Pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property Vehicles Marine Cargo Marine Hull Aviation Hull Engineering Health Credit Others Total
Pendapatan (beban) dari Net income (expense)
kontrak reasuransi from reinsurance
milikan contracts held
Perubahan reasuransi Reinsurance changes
yang terkait dengan that related
jasa masa lalu ( 163.648) 495 ( 2.431) - - 2.773 8.702 - ( 3.647) ( 157.756) to past services
Pendapatan jasa Reinsurance service
reasuransi - klaim income
terjadi 271.047 1.900 3.117 - - 33.872 10.560 - 2.312 322.808 inccured claim
Pendapatan jasa Reinsurance service
reasuransi - biaya income claim
penanganan klaim 5.542 1 177 - - 1.087 - - 10 6.817 handling cost
Pendapatan jasa Reinsurance service
reasuransi penyesuaian income claim
risiko atas klaim terjadi 16.366 103 302 - - 2.921 170 - 51 19.913 risk adjustment
Kenaikan (penurunan) Increase (decrease)
komponen pemulihan in loss
kerugian 3.012 15 5 - - 690 21 - ( 159) 3.584 recovery component
Beban jasa Reinsurance service
reasuransi ( 319.843) ( 3.577) ( 11.507) - ( 2.547) ( 61.778) ( 22.502) ( 10.369) ( 20.132) ( 452.255) expenses
Beban neto dari kontrak Net expense from
reasuransi reinsurance contracts
milikan ( 187.524) ( 1.063) ( 10.337) - ( 2.547) ( 20.435) ( 3.049) ( 10.369) ( 21.565) ( 256.889) held
Hasil jasa asuransi ( 69.970) 22.989 4.194 - 119 3.472 46.033 ( 7.275) 5.590 5.152 Insurance service result
75
Page 442
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
21. HASIL INVESTASI 21. INVESTMENT INCOME
2025 2024
Pihak ketiga Third parties
Bunga obligasi 57.430.490.239 47.848.898.279 Interest on bonds
Bunga deposito 19.805.156.449 22.901.381.838 Interest on time deposits
Laba (rugi) belum direalisasi Unrealized gain (loss) on changes
atas perubahan in fair value of
nilai wajar pada investasi investment in
reksa dana (Catatan 7a) 7.977.967.936 ( 3.019.276.012) mutual funds (Note 7a)
Amortisasi diskonto obligasi 2.548.577.609 1.217.351.185 Amortization of bond discount
Laba pelepasan investasi Gain on disposal of investment in
reksa dana 2.474.237.501 11.320.252.749 mutual funds
Hasil investasi Gain on investment in
reksa dana 988.484.117 608.887.808 mutual funds
Pendapatan dividen 142.999.353 271.624.548 Dividend income
Laba (rugi) selisih kurs atas Gain (loss) in changes
investasi ( 911.861.815) 4.088.810.621 on foreign exchange rates
Rugi dari perubahan Loss from changes in
nilai wajar (Catatan 7c) ( 482.000.000) ( 18.979.000) fair value (Note 7c)
Lain-lain 88.917.363 - Others
Subjumlah 90.062.968.752 85.218.952.016 Sub-total
Pihak berelasi Related parties
Laba pelepasan investasi Gain on disposal of investment in
reksa dana 4.753.562.363 - mutual funds
Bunga deposito 3.103.688.171 - Interest on time deposits
Laba (rugi) belum direalisasi Unrealized gain (loss) on changes
atas perubahan in fair value of
nilai wajar pada investasi investment in
reksa dana (Catatan 7a) ( 723.748.349) - mutual funds (Note 7a)
Subjumlah 7.133.502.185 - Sub-total
Neto 97.196.470.937 85.218.952.016 Net
22. BEBAN USAHA 22. OPERATING EXPENSES
Beban yang diatribusikan pada arus kas akuisisi asuransi Expenses attributed to insurance acquisition cash flows and
dan beban lain yang dapat diatribusikan langsung other directly attributable expenses comprise expenses
mencakup beban yang dikeluarkan oleh Perusahaan dalam incurred by the Company in the reporting period that relate
periode pelaporan yang berkaitan langsung dengan directly to the fulfillment of contracts issued within
pemenuhan kontrak yang diterbitkan dalam lingkup PSAK No. 117 on “insurance contracts” scope and
PSAK No. 117 tentang “Kontrak Asuransi” dan kontrak reinsurance contracts held.
reasuransi yang dimiliki.
Perusahaan mengungkapkan analisis beban yang The Company disclosed the analysis of expenses incurred
dikeluarkan dalam periode pelaporan adalah sebagai in the reporting period are as follows:
berikut:
76
Page 443
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
22. BEBAN USAHA (Lanjutan) 22. OPERATING EXPENSES (Continued)
2025
Beban yang Dapat
Diatribusikan
Pada Arus Kas
Perolehan Beban Lain yang
Asuransi/ Dapat
Expense Diatribusikan Beban
Attributable to Langsung/ operasional
Insurance Other Directly lain/Other directly
Acquisition Cash Attributable attributable
Flows Expense expense Jumlah/Total
Gaji dan upah 65.038.502.760 68.272.224.538 12.406.579.626 145.717.306.924 Salaries and wages
Pemasaran 174.328.010.415 85.223.744.392 1.537.128.045 261.088.882.852 Marketing expenses
Perbaikan dan Repairs and
pemeliharaan 17.267.588.767 10.755.549.485 2.280.206.621 30.303.344.873 maintenance
Penyusutan Depreciation of
aset tetap 4.619.889.632 4.510.199.709 1.006.949.926 10.137.039.267 fixed assets
Transportasi - - 2.884.343.767 2.884.343.767 Transportation
Kesejahteraan karyawan 4.704.308.876 4.917.003.691 3.190.554.051 12.811.866.618 Employee welfares
Pendidikan dan latihan - - 6.393.377.252 6.393.377.252 Training and education
Penyusutan aset Depreciation of
hak-guna - 1.087.064.171 - 1.087.064.171 right of use assets
Perlengkapan kantor 1.157.447.276 406.256.782 398.722.786 1.962.426.844 Office supplies
Komunikasi 552.259.023 542.066.578 875.694.791 1.970.020.392 Communication
Jasa profesional - - 8.537.014.427 8.537.014.427 Professional fees
Amortisasi Amortization of
aset takberwujud 3.415.559.062 1.847.538.795 206.801.839 5.469.899.696 intangible assets
Sewa kantor 61.775.527 166.238.893 145.148.419 373.162.839 Office rent
Imbalan Post-employment
pasca kerja 1.742.096.857 1.574.678.664 289.559.768 3.606.335.289 benefits
Lain-lain 742.736.010 4.038.975.577 1.974.775.128 6.756.486.715 Others
Jumlah 273.630.174.205 183.341.541.275 42.126.856.446 499.098.571.926 Total
2024
Beban yang dapat
diatribusikan
pada arus kas
perolehan Beban lain yang
asuransi/ dapat
Expense diatribusikan Beban
attributable to langsung/Other Operasional Lain/
insurance directly Other Directly
acquisition cash attributable Attributable
flows expense Expense Jumlah/Total
Gaji dan upah 32.056.228.016 68.000.474.976 14.262.823.925 114.319.526.917 Salaries and wages
Pemasaran 157.025.192.419 9.975.267.614 3.239.417.335 170.239.877.368 Marketing expenses
Perbaikan dan Repairs and
pemeliharaan 5.967.570.960 13.605.123.604 2.935.440.732 22.508.135.296 maintenance
Penyusutan Depreciation of
aset tetap 3.305.119.192 5.794.886.111 1.380.434.165 10.480.439.468 fixed assets
Transportasi - - - - Transportation
Kesejahteraan karyawan 2.659.488.572 6.754.654.472 1.188.937.687 10.603.080.731 Employee welfares
Pendidikan dan latihan - - 2.483.896.049 2.483.896.049 Training and education
Penyusutan Depreciation of
aset hak-guna - 1.172.691.073 - 1.172.691.073 right of use assets
Perlengkapan kantor 1.163.774.067 422.030.258 410.948.978 1.996.753.303 Office supplies
Komunikasi 659.153.928 1.402.918.689 308.856.126 2.370.928.743 Communication
Jasa profesional - - 934.718.982 934.718.982 Professional fees
Amortisasi Amortization of
aset takberwujud 303.883.053 256.172.767 51.566.160 611.621.980 Of intangible assets
Sewa kantor 74.892.797 240.965.125 ( 27.185.122) 288.672.800 Office rent
Imbalan Post-employment
pasca kerja ( 677.595.173) ( 3.579.272.122) ( 543.057.145) ( 4.799.924.440) benefits
Lain-lain 420.593.090 4.593.462.302 2.951.801.307 7.965.859.699 Others
Jumlah 202.958.300.921 108.639.374.869 29.578.599.179 341.176.274.969 Total
77
Page 444
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
23. BEBAN KEUANGAN ASURANSI 23. INSURANCE FINANCE EXPENSES
Beban keuangan asuransi merupakan beban terkait Insurance finance expenses are expenses related to the
pengaruh nilai waktu uang dan risiko keuangan terhadap effect of the time value of money and financial risks on
liabilitas kontrak asuransi. Jumlah ini disajikan terpisah insurance contract liabilities. These amounts are presented
dari beban jasa asuransi dan masing-masing sebesar separately from insurance service expenses and amounted
Rp31.305.630.172 dan Rp19.793.323.603 untuk tahun to Rp31,305,630,172 and Rp19,793,323,603 for the
yang berakhir pada tanggal 31 Desember 2025 dan 2024. years ended December 31, 2025 and 2024, respectively.
24. PENDAPATAN (BEBAN) KEUANGAN REASURANSI 24. REINSURANCE FINANCE INCOME (EXPENSE)
Pendapatan (beban) keuangan reasuransi merupakan Reinsurance finance income (expense) pertains to other
pendapatan terkait pengaruh nilai waktu uang dan incomes related to the effect of the time value of money and
risiko keuangan terhadap aset kontrak reasuransi. financial risks on reinsurance contract assets. These
Jumlah ini disajikan terpisah dari beban jasa asuransi amounts are presented separately from insurance service
dan masing-masing sebesar (Rp2.556.518.737) expenses and amounted to (Rp2,556,518,737)
dan Rp10.127.144.079 untuk tahun yang berakhir pada and Rp10,127,144,079 for the year ended
tanggal 31 Desember 2025 dan 2024. December 31, 2025 and 2024, respectively.
25. PENDAPATAN LAIN-LAIN - NETO 25. OTHER INCOME - NET
2025 2024
Pendapatan underwriting lain 22.542.728.026 26.042.935.137 Other underwiting income
Selisih kurs - neto 2.329.007.216 - Foreign exchange - net
Laba penjualan aset tetap Gain on sale of fixed assets
(Catatan 10) 1.456.599.524 - (Note 10)
Jasa giro 165.672.682 - Interest from current account
Lain-lain 228.763.143 - Others
Neto 26.722.770.591 26.042.935.137 Net
Penghasilan (beban) underwriting lainnya merupakan selisih Other underwriting income (expenses) pertains to
antara penghasilan dan beban lainnya terkait kerja sama difference between other income and expenses related to
bisnis dengan surveyor, pialang, tertanggung, dan perusahaan business cooperation with surveyors, brokers, insured, and
penyedia jasa lainnya. other service providers.
26. PERPAJAKAN 26. TAXATION
a. Utang Pajak a. Tax Payables
2025 2024
Pajak penghasilan Income tax
Pasal 4(2) 81.981.916 229.979.431 Article 4(2)
Pasal 21 84.456.450 835.896.929 Article 21
Pasal 23/26 491.693.704 351.629.791 Article 23/26
Pasal 25 2.852.412.785 196.557.827 Article 25
Pasal 29 19.457.380.433 426.434.434 Article 29
Pajak pertambahan nilai 344.261.356 861.172.371 Value added tax
Jumlah 23.312.186.644 2.901.670.783 Total
b. Pajak Penghasilan Badan b. Corporate Income Tax
2025 2024
Beban pajak kini ( 27.093.218.019) ( 2.022.145.840) Current tax expense
Manfaat (beban) pajak tangguhan 3.346.257.650 ( 11.017.280.406) Deferred tax benefit (expense)
Neto ( 23.746.960.369) ( 13.039.426.246) Net
78
Page 445
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
26. PERPAJAKAN (Lanjutan) 26. TAXATION (Continued)
b. Pajak Penghasilan Badan (Lanjutan) b. Corporate Income Tax (Continued)
Rekonsiliasi antara laba sebelum pajak penghasilan The reconciliation between profit before income tax and
dengan penghasilan kena pajak untuk tahun yang the estimated taxable income for the years ended
berakhir pada tanggal 31 Desember 2025 dan 2024 December 31, 2025 and 2024 are as follows:
adalah sebagai berikut:
2025 2024
Laba sebelum pajak penghasilan Profit before income tax per
menurut laporan laba rugi dan statement of profit or loss and
penghasilan komprehensif lain other comprehensive income
- PSAK No. 117 168.478.413.461 77.168.941.349 - PSAK No. 117
Penyesuaian laba rugi Income statement adjustment under
PSAK No. 117 untuk PSAK No. 117 for
perhitungan perpajakan ( 7.306.402.159) ( 2.343.566.465) tax calculation purpose
Laba sebelum pajak penghasilan Profit before income tax per
menurut laporan laba rugi dan statement of profit or loss and
penghasilan komprehensif lain other comprehensive income
- PSAK No. 104 161.172.011.302 74.825.374.884 - PSAK No. 104
Dikurangi: Less:
Beda temporer Temporary differences
Estimasi klaim retensi sendiri ( 10.954.982.882) 9.502.636.313 Estimated claims for own retention
Bonus 16.567.610.000 2.035.885.286 Bonus
Penyusutan aset tetap ( 6.905.548.418) 3.374.651.489 Depreciation of fixed assets
Aset hak-guna - 1.172.691.073 Right-of-use assets
(Penurunan) kenaikan premi Decrease (increase)
yang belum merupakan of unearned
pendapatan 9.904.951.502 ( 52.632.628.163) premium
Imbalan kerja karyawan - neto 3.567.653.593 ( 5.275.719.439) Employee benefits - net
Cadangan penyisihan atas Allowance for
piutang reasuransi ( 2.345.162.209) ( 4.312.912.522) reinsurance receivables
Liabilitas sewa - ( 1.255.034.192) Leases liabilities
Cadangan penyisihan atas Allowance for
piutang premi 5.410.307.477 ( 468.135.166) premium receivables
Subjumlah 15.244.829.063 ( 47.858.565.321) Sub-total
Beda tetap Permanent differences
Pendapatan investasi yang Investment income
dikenakan pajak final ( 80.505.007.540) ( 70.829.813.336) subject to final tax
Biaya yang tidak dikurangkan 27.239.142.004 52.236.419.443 Non-deductible expenses
Beban pajak 16.855 818.156.442 Final tax expense
Subjumlah ( 53.265.848.681) ( 17.775.237.451) Sub-total
Estimasi penghasilan kena pajak 123.150.991.684 9.191.572.112 Estimated taxable income
Estimasi penghasilan kena Estimated taxable
pajak (bulatkan) 123.150.991.000 9.191.572.000 income (rounded)
Beban pajak kini 27.093.218.020 2.022.145.840 Current tax expense
Dikurangi pajak dibayar di muka Less prepaid income tax expense
Pasal 25 7.635.837.587 1.595.711.406 Article 25
Taksiran utang pajak penghasilan 19.457.380.433 426.434.434 Estimated income tax payable
Rekonsiliasi antara beban pajak penghasilan Reconciliation between deferred income tax expenses
tangguhan yang disajikan dalam laporan laba rugi dan included in the statement of profit or loss and other
penghasilan komprehensif lain dengan jumlah yang comprehensive income and the amount computed by
dihitung dengan menggunakan tarif pajak yang berlaku applying the applicable tax rates to profit before income
terhadap laba sebelum pajak penghasilan adalah tax are as follows:
sebagai berikut:
79
Page 446
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
26. PERPAJAKAN (Lanjutan) 26. TAXATION (Continued)
b. Pajak Penghasilan Badan (Lanjutan) b. Corporate Income Tax (Continued)
2025 2024
Laba sebelum pajak penghasilan 161.172.011.302 74.825.374.884 Profit before income tax
Pajak dihitung dengan tarif pajak Tax calculated at applicable
yang berlaku ( 35.457.842.486) ( 16.461.582.473) tax rates
Dampak pajak Tax effects of:
penghasilan pada:
Penghasilan kena pajak final 10.693.867.098 2.404.395.775 Income subject to final tax
Biaya yang tidak
diperkenankan 1.017.015.019 1.017.760.452 Non-deductible expense
Jumlah beban pajak penghasilan ( 23.746.960.369) ( 13.039.426.246) Total income tax expenses
Berdasarkan Undang-Undang Perpajakan yang berlaku Under the Taxation Laws of Indonesia, the Company
di Indonesia, Perusahaan menghitung, menetapkan, calculates, determines, and pays the amount of tax
dan membayar sendiri besarnya jumlah pajak yang payable on its own. The Directorate General of Taxation
terhutang. Direktorat Jenderal Pajak (“DJP”) dapat (“DGT”) may assess or amend taxes within five years of
menetapkan atau mengubah utang pajak dalam batas the time the tax becomes due.
waktu lima tahun sejak saat terhutangnya pajak.
c. Liabilitas Pajak Tangguhan c. Deferred Tax Liabilities
Rincian dari manfaat (beban) pajak tangguhan dan The details of the deferred tax benefits (expenses) and
liabilitas pajak tangguhan pada 31 Desember 2025 dan deferred tax liabilities on December 31, 2025 and 2024
2024 adalah sebagai berikut: are as follows:
2025
Dibebankan ke
Penghasilan
Dikreditkan Komprehensif
(Dibebankan) ke Lain/
Laba Rugi/ Charged to Other
Saldo Awal/ Credited (Charged) Comprehensive Saldo Akhir/
Beginning Balance to Profit or Loss Income Ending Balance
Aset hak-guna 515.984.072 - - 515.984.072 Right-of-use assets
Penyusutan Depreciation of
aset tetap 2.021.953.916 ( 1.526.825.395) - 495.128.521 fixed assets
Cadangan bonus 1.480.600.002 3.644.874.200 - 5.125.474.202 Allowance for bonus
Investasi tanah Investment in land
dan bangunan 161.030.100 - - 161.030.100 and building
Cadangan piutang Allowance for
premi 506.475.160 1.190.267.645 - 1.696.742.805 premium receivables
Cadangan Allowance for
piutang reasuransi 1.452.478.693 ( 515.935.686) - 936.543.007 reinsurance receivables
Cadangan piutang Allowance for
lain-lain 390.323.484 - - 390.323.484 other receivables
Cadangan penurunan Allowance for impairment
nilai investasi 409.590.661 - - 409.590.661 of investment
Beban karyawan masih Accrued employee
harus dibayar 74.035.364 784.883.790 ( 698.562.625) 160.356.529 expenses
Estimasi klaim Estimated claim
retensi sendiri 4.606.592.082 ( 2.410.096.234) - 2.196.495.848 own retention
Premi yang belum Unearned premium
merupakan pendapatan ( 43.133.526.307) 2.179.089.330 - ( 40.954.436.977) income
Liabilitas sewa ( 545.114.704) - - ( 545.114.704) Lease liabilities
Aset lain-lain ( 104.939.780) - - ( 104.939.780) Other assets
Keuntungan yang belum Unrealized gain on
direalisasi dari changes in
perubahan nilai wajar fair value
atas surat berharga - - ( 310.401) ( 310.401) of securities
Beban keuangan Direct insurance
asuransi langsung ( 1.132.918.844) - - ( 1.132.918.844) finance expense
Pendapatan keuangan Reinsurance finance
reasuransi 347.128.927 - - 347.128.927 income
Neto ( 32.950.307.174) 3.346.257.650 ( 698.873.026) ( 30.302.922.550) Net
80
Page 447
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
26. PERPAJAKAN (Lanjutan) 26. TAXATION (Continued)
c. Liabilitas Pajak Tangguhan (Lanjutan) c. Deferred Tax Liabilities (Continued)
2024
Dikreditkan
(Dibebankan) ke
Penghasilan
Komprehensif
Dikreditkan Lain/
(Dibebankan) ke Credited (Charged)
Laba Rugi/ to Other
Saldo Awal/ Credited (Charged) Comprehensive Saldo Akhir/
Beginning Balance to Profit or Loss Income Ending Balance
Aset hak-guna 257.992.036 257.992.036 - 515.984.072 Right-of-use assets
Penyusutan Depreciation of
aset tetap 1.279.530.588 742.423.328 - 2.021.953.916 fixed assets
Cadangan bonus 1.032.705.236 447.894.766 - 1.480.600.002 Allowance for bonus
Investasi tanah Investment in land
dan bangunan 161.030.100 - - 161.030.100 and building
Cadangan piutang Allowance for
premi 609.464.897 ( 102.989.737) - 506.475.160 premium receivables
Cadangan piutang Allowance for
reasuransi 2.401.319.448 ( 948.840.755) - 1.452.478.693 reinsurance receivables
Cadangan piutang Allowance for
lain-lain 390.323.484 - - 390.323.484 other receivables
Cadangan penurunan Allowance for impairment
nilai investasi 409.590.661 - - 409.590.661 of investment
Beban karyawan masih Accrued employee
harus dibayar 74.035.364 - - 74.035.364 expenses
Estimasi klaim Estimated claim
retensi sendiri 2.516.012.093 2.090.579.989 - 4.606.592.082 own retention
Premi yang belum Unearned
merupakan pendapatan ( 31.554.348.111) ( 11.579.178.196) - ( 43.133.526.307) premium income
Imbalan kerja karyawan - ( 1.160.658.276) 1.160.658.276 Employee benefits
Liabilitas sewa ( 269.007.182) ( 276.107.522) - ( 545.114.704) Lease liabilities
Aset lain-lain ( 104.939.780) - - ( 104.939.780) Other assets
Beban keuangan Insurance
asuransi ( 544.539.971) ( 488.396.039) ( 99.982.834) ( 1.132.918.844) finance expense
Pendapatan keuangan Reinsurance finance
reasuransi 274.334.682 - 72.794.245 347.128.927 income
Neto ( 23.066.496.455) ( 11.017.280.406) 1.133.469.687 ( 32.950.307.174) Net
27. LABA PER SAHAM DASAR 27. BASIC EARNINGS PER SHARE
Berikut ini adalah data yang digunakan untuk perhitungan Below are data used for basic earnings per share
laba per saham dasar: calculation:
2025 2024
Laba neto untuk diperhitungkan Net profit for calculating basic
laba per saham dasar 144.731.453.092 64.129.515.103 earnings per share
Jumlah rata-rata tertimbang saham Total weighted average common
biasa untuk diperhitungkan laba shares for calculation of basic
per saham dasar*) 3.000.000.000 3.000.000.000 earnings per share*)
Laba per saham Earnings per share
(dalam Rupiah penuh) 48 21 (full amount in Rupiah)
*) Jumlah rata-rata tertimbang saham yang digunakan *) The weighted average number of shares for
untuk menghitung laba per saham dasar untuk tahun the computation of basic earnings per share for the year
yang berakhir 31 Desember 2025 dan 2024, telah ended December 31, 2025 and 2024, has been
disesuaikan dengan dampak pemecahan nominal adjusted to the effect of stock split on
saham pada 17 September 2024. September 17, 2024.
81
Page 448
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
28. SIFAT DAN TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 28. NATURE OF RELATIONSHIP AND TRANSACTION WITH
RELATED PARTIES
a. Sifat Hubungan dan Transaksi dengan Pihak-pihak a. Nature of Relationship and Transactions with Related
Berelasi Parties
Hubungan dengan pihak-pihak berelasi adalah sebagai The relationships with related parties mentioned in the
berikut: foregoing are as follows:
Pihak-pihak Berelasi/ Sifat Hubungan/ Transaksi yang Signifikan/
Related Parties Nature of Relationship Significant Transactions
Hanwha General Insurance Co., Ltd. Entitas induk/ Aset kontrak reasuransi dan beban dari
Parent entity kontrak reasuransi milikan/
Reinsurance contract assets and
reinsurance contract expense
PT Inti Anugerah Pratama Pemegang saham/ Pendapatan jasa asuransi,
Majority shareholder beban jasa asuransi dan
liabilitas kontrak asuransi/
Insurance service revenue,
insurance service expense and
insurance contract liabilities
PT Hanwha Life Pemegang saham/ Pendapatan jasa asuransi dan
Insurance Indonesia Majority shareholder liabilitas kontrak asuransi/
Insurance service revenue and
insurance contract liabilities
PT Hanwha Mining Entitas sepengendali/ Pendapatan jasa asuransi,
Services Indonesia Under common control beban jasa asuransi, dan
liabilitas kontrak asuransi/
Insurance service revenue,
insurance service expense and
insurance contract liabilities
PT Bank Nationalnobu Tbk*) Entitas sepengendali/ Kas di bank, deposito berjangka,
Under common control pendapatan jasa asuransi,
beban jasa asuransi, hasil investasi dan
liabilitas kontrak asuransi/
Cash in banks, time deposit,
insurance service revenue,
insurance service expense,
investment income, and
insurance contract liabilities
PT Ciptadana Asset Management*) Entitas sepengendali/ Reksa dana, pendapatan jasa asuransi,
Under common control beban jasa asuransi, hasil investasi, dan
liabilitas kontrak asuransi/
Mutual fund, insurance service revenue
and insurance service expense,
investment income, and
insurance contract liabilities
PT Ciptadana Sekuritas Asia*) Entitas sepengendali/ Pendapatan jasa asuransi,
Under common control beban jasa asuransi, dan
liabilitas kontrak asuransi/
Insurance service revenue and
insurance service expense, and
insurance contract liabilities
Carrot General Insurance Co., Ltd. Entitas sepengendali/ Aset lain-lain/
Under common control Other Assets
*) Menjadi pihak berelasi sejak tahun 2025 sehubungan dengan akuisisi *) Became a related party starting in 2025 in connection with the
PT Bank Nationalnobu Tbk oleh Hanwha Life Insurance Co., Ltd., yang acquisition of PT Bank Nationalnobu Tbk by Hanwha Life
merupakan entitas sepengendali dengan Perusahaan. Insurance Co., Ltd., which is an entity under common control with
the Company.
82
Page 449
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
28. SIFAT DAN TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 28. NATURE OF RELATIONSHIP AND TRANSACTION WITH
(Lanjutan) RELATED PARTIES (Continued)
b. Saldo dan Transaksi yang Signifikan b. Significant Balances and Transactions
Perusahaan melakukan transaksi dengan pihak-pihak The Company has performed transactions with related
berelasi, terutama menyangkut penjualan polis, parties, mainly concerning selling of policy, insurance
transaksi asuransi, jual-beli efek baik yang telah transactions, trading marketable securities, both listed
maupun yang belum terdaftar di pasar efek. Transaksi and non-listed in stock exchange. The details of these
tersebut adalah sebagai berikut: transactions are as follows:
2025 2024
Pendapatan jasa asuransi Insurance service revenue
PT Bank Nationalnobu Tbk 6.951.600.334 - PT Bank Nationalnobu Tbk
PT Hanwha Mining PT Hanwha Mining
Services Indonesia 3.148.527.532 2.593.960.679 Services Indonesia
PT Inti Anugrah Pratama 205.227.516 484.123.794 PT Inti Anugrah Pratama
PT Ciptadana Sekuritas Asia 5.075.493 - PT Ciptadana Sekuritas Asia
PT Ciptadana Asset PT Ciptadana Asset
Management 546.076 - Management
PT Hanwha Life PT Hanwha Life
Insurance Indonesia ( 1.440.837.760) - Insurance Indonesia
Jumlah 8.870.139.191 3.078.084.473 Total
Persentase terhadap jumlah Percentage to total
pendapatan jasa asuransi 0,24% 0,10% insurance service revenue
Beban jasa asuransi Insurance service expense
PT Bank Nationalnobu Tbk 8.060.729.287 - PT Bank Nationalnobu Tbk
PT Inti Anugerah Pratama 406.350.688 ( 621.553.513) PT Inti Anugerah Pratama
PT Hanwha Mining PT Hanwha Mining
Service Indonesia 191.504.540 84.610.916 Service Indonesia
PT Ciptadana Sekuritas Asia 382.311 - PT Ciptadana Sekuritas Asia
PT Ciptadana Asset PT Ciptadana Asset
Management 32.569 - Management
Jumlah 8.658.999.395 ( 536.942.597) Total
-
Persentase terhadap jumlah Percentage to total
beban jasa asuransi 0,25% 0,02% insurance service expense
Beban dari kontrak Reinsurance contract
reasuransi milikan expense
Hanwha General Hanwha General
Insurance Co., Ltd. 3.484.469.748 567.858.899 Insurance Co., Ltd.
Persentase terhadap jumlah beban Percentage to total
dari kontrak reasuransi milikan 1,55% 0,22% reinsurance contract expense
Hasil Investasi Investment income
Laba pelepasan investasi Gain on disposal of investment
reksa dana in mutual funds
PT Ciptadana Asset PT Ciptadana Asset
Management 4.753.562.363 - Management
Bunga deposito Interest on time deposits
PT Bank Nationalnobu Tbk 3.103.688.171 - PT Bank Nationalnobu Tbk
83
Page 450
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
28. SIFAT DAN TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 28. NATURE OF RELATIONSHIP AND TRANSACTION WITH
(Lanjutan) RELATED PARTIES (Continued)
b. Saldo dan Transaksi yang Signifikan (Lanjutan) b. Significant Balances and Transactions (Continued)
2025 2024
Hasil Investasi (Lanjutan) Investment income (Continued)
Laba (rugi) belum direalisasi Unrealized gain (loss) on
atas perubahan nilai wajar changes in fair value of
pada investasi reksa dana investment in mutual funds
PT Ciptadana Asset PT Ciptadana Asset
Management ( 723.748.349) - Management
Jumlah 7.133.502.185 - Total
-
Persentase terhadap jumlah Percentage to total
hasil investasi 7,33% - investment income
Aset Assets
Kas di Bank Cash in Banks
PT Bank Nationalnobu Tbk 706.533.081 - PT Bank Nationalnobu Tbk
Deposito berjangka Time Deposits
PT Bank Nationalnobu Tbk 56.000.000.000 - PT Bank Nationalnobu Tbk
Reksa dana Mutual funds
PT Ciptadana Asset PT Ciptadana Asset
Management 57.141.624.691 - Management
Aset kontrak reasuransi Reinsurance contract assets
Hanwha General Hanwha General
Insurance Co., Ltd. 4.702.682.787 2.319.996.374 Insurance Co., Ltd.
Aset lain-lain Other assets
Carrot General Carrot General
Insurance Co.,Ltd. - 4.873.840.099 Insurance Co.,Ltd.
Jumlah 118.550.840.559 7.193.836.473 Total
Persentase terhadap jumlah aset 3,79% 0,29% Percentage to total assets
2025 2024
Liabilitas kontrak asuransi Insurance contract liabilities
PT Bank Nationalnobu Tbk 5.048.281.861 - PT Bank Nationalnobu Tbk
PT Hanwha Mining PT Hanwha Mining
Service Indonesia 709.918.004 861.027.913 Service Indonesia
PT Inti Anugrah Pratama 22.306.175 156.184.668 PT Inti Anugrah Pratama
PT Ciptadana Sekuritas Asia 4.703.246 - PT Ciptadana Sekuritas Asia
PT Ciptadana Asset PT Ciptadana Asset
Management 502.344 - Management
PT Hanwha Life PT Hanwha Life
Insurance Indonesia 947.364.792 - Insurance Indonesia
Jumlah 6.733.076.422 1.017.212.581 Total
Persentase terhadap jumlah Percentage to total
liabilitas kontrak asuransi 0,37% 0,07% insurance contract liabilities
84
Page 451
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
28. SIFAT DAN TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 28. NATURE OF RELATIONSHIP AND TRANSACTION WITH
(Lanjutan) RELATED PARTIES (Continued)
b. Saldo dan Transaksi yang Signifikan (Lanjutan) b. Significant Balances and Transactions (Continued)
2025 2024
Kompensasi manajemen kunci Key management personnel
Jumlah imbalan yang diberikan Total compensations given
kepada Dewan Komisaris to Board of Commissioners
dan Direksi 17.909.844.505 18.007.228.014 and Directors
Jumlah imbalan yang diberikan Total compensations given
kepada personel manajemen to other key management
kunci lainnya 22.067.830.869 15.772.946.883 personnel
Jumlah iuran pensiun Total pension contribution for
untuk Direksi 191.170.040 231.622.188 Board of Directors
Jumlah iuran pensiun untuk Total pension contribution
personel manajemen for other key
kunci lainnya 398.644.823 327.677.425 management personnel
Jumlah 40.567.490.237 34.339.474.510 Total
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
Fungsi utama dari manajemen risiko Perusahaan adalah The core function of the Company’s risk management is to
untuk mengidentifikasi seluruh risiko kunci, mengukur identify all key risks for the Company, measure these risks
risiko-risiko ini dan mengelola posisi risiko sesuai dengan and manage the risk positions in accordance with its
kebijakan dan risk appetite Perusahaan. Perusahaan policies and Compan’s risk appetite. The Company regularly
secara rutin menelaah kebijakan dan sistem manajemen reviews its risk management policies and systems to reflect
risiko untuk menyesuaikan dengan perubahan di pasar, changes in markets, products and best market practice.
produk dan praktik pasar terbaik.
a. Risiko Asuransi a. Insurance Risk
Risiko Penjamin (Underwriting) Underwriting Risk
Risiko underwriting mencakup risiko atas tingginya Underwriting risk includes the risk of higher claims costs
biaya klaim dari yang diperkirakan, yang dipengaruhi than expected, which is influenced by the uncertainty of
oleh ketidakpastian sifat dan frekuensi serta besarnya the nature and frequency as well as the large levels of
tingkat kerugian, dan risiko perubahan peraturan losses, and exposure to changes in legislation and
perundangan dan kondisi ekonomi pada perlindungan economic conditions on insurance or reinsurance
asuransi atau reasuransi. Hal tersebut berdampak protection. This has implications for the guarantor to
bagi penjamin polis untuk menanggung premi yang bear the premium of the policy which too little of the
terlalu sedikit atas risiko yang telah disepakati risks that have been agreed for the insured, which
untuk dipertanggungkan, yang mengakibatkan pada resulted in limited funds of the Company to invest and
keterbatasan dana Perusahaan untuk berinvestasi dan pay claims, or if the claim was greater than expected.
membayar klaim, atau jika klaim yang terjadi lebih besar
dari yang diperkirakan.
Untuk meminimalisir risiko penjamin (underwriting) ini, To minimize the risk of underwriting, the underwriting
pengelolaan risiko penjamin (underwriting) dilakukan risk management is conducted and evaluated by the
dan dievaluasi dalam Komite Risiko Usaha (Business Business Risk Committee to ensure the coverage meets
Risk Committee) untuk memastikan setiap penutupan any underwriting philosophy and principles of Good
pertanggungan telah memenuhi filosofi underwriting Corporate Governance. This is supported also by
dan prinsip Good Corporate Governance. Hal ini conducting oversight of the provision of formal
didukung pula dengan melakukan pengawasan atas underwriting as well as limitations and standards for the
ketentuan formal penjamin (underwriting) serta protection of the reinsurer.
batasan dan standar yang berlaku demi perlindungan
atas reasuradur.
Risiko underwriting merupakan kerugian yang Underwriting risk represents the exposure to loss
diakibatkan kebijakan yang sebenarnya merugikan resulting from actual policy experience adversely
menyimpang dari asumsi yang dibuat dalam nilai deviating from assumptions made in the product
produk. Risiko penjaminan emisi disebabkan oleh pricing. Underwriting risks are brought about by a
kombinasi dari hal-hal berikut: combination of the following:
85
Page 452
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
a. Risiko Asuransi (Lanjutan) a. Insurance Risk (Continued)
Risiko Penjamin (Underwriting) (Lanjutan) Underwriting Risk (Continued)
1. Risiko Kematian 1. Mortality Risk
Risiko kerugian yang timbul karena kejadian Risk of loss arising due to policyholder death
sebelumnya atas polis kematian yang berbeda dari experience being different than expected.
yang diharapkan.
2. Risiko Morbiditas 2. Morbidity Risk
Risiko kerugian yang timbul karena kejadian Risk of loss arising due to policyholder health
sebelumnya atas polis kesehatan yang berbeda dari experience being different than expected.
yang diharapkan
3. Risiko Kejadian 3. Occurance Risk
Kemungkinan atas jumlah kejadian yang The possibility that the number of insured events will
diasuransikan akan berbeda dari yang diharapkan. differ from those expected.
4. Risiko Tingkat Keparahan 4. Severity Risk
Kemungkinan bahwa biaya pada saat peristiwa The possibility that the cost of the events will differ
terjadi akan berbeda dari yang diharapkan. from those expected.
5. Risiko Pengembangan 5. Development Risk
Kemungkinan bahwa perubahan yang dapat terjadi The possibility that changes may occur in the amount
pada jumlah kewajiban asuransi pada akhir masa of an insurer’s obligation at the end of the contract
kontrak. period.
Secara geografis, semua bisnis Perusahaan berada di Geographically, all the Company’s business is in the
wilayah Indonesia. Artinya untuk risiko tertentu, region of Indonesia. This means that for certain risks,
Perusahaan menghadapi penumpukan risiko di suatu the Company faces the risk of accumulation in a
lokasi dan oleh karenanya dibutuhkan usaha untuk location and therefore the required effort to spread the
menyebarkan risiko tersebut. Untuk keperluan risk. For the purposes of management and deployment
manajemen dan penyebaran risiko ini, Perusahaan of these risks, the Company is developing strategies for
mengembangkan strategi penempatan reasuransi placement of reinsurance to go abroad, so the risk is not
sampai ke luar negeri, sehingga risiko tidak concentrated in the country.
terkonsentrasi lagi di dalam negeri.
Salah satu tujuan asuransi adalah agar pemilik polis One goal of insurance is to give the opportunity to policy
diberi kesempatan untuk melindungi diri mereka sendiri owners to protect themselves from the uncertainty that
dari ketidakpastian yang mungkin muncul di masa might arise in the future, which could result in financial
mendatang, yang dapat mengakibatkan kerugian losses, by transferring risk to insurance companies.
keuangan, dengan cara mengalihkan risiko tersebut Insurance companies accept the transfer of risk from
kepada perusahaan asuransi. Perusahaan asuransi policyholders to receive compensation premiums, and
menerima pengalihan risiko tersebut dari pemegang risk management conducted by the insurance company
polis dengan menerima imbalan premi, dan dengan is expected that all the collection of premiums received
manajemen risiko yang diterapkan perusahaan from all its customers will generate added value for the
asuransi diharapkan bahwa semua kumpulan Company’s finances.
premi yang diterima dari semua nasabahnya akan
menghasilkan nilai tambah keuangan bagi Perusahaan.
86
Page 453
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
a. Risiko Asuransi (Lanjutan) a. Insurance Risk (Continued)
Risiko Penjamin (Underwriting) (Lanjutan) Underwriting Risk (Continued)
Namun demikian, ketidakpastian yang akan dihadapi However, the uncertainty faced by the insurance
oleh perusahaan asuransi tidak dapat digambarkan companies cannot be described in the financial
dalam laporan keuangan perusahaan asuransi. Prinsip statements of insurance companies. The principle of
ketidakpastian dalam laporan keuangan Perusahaan uncertainty in the financial statements are generally
umumnya dimunculkan dalam bentuk cadangan teknis raised in the form of technical reserves consisting of
yang terdiri dari cadangan premi dan cadangan klaim. premium reserves and claims reserves. Premium
Cadangan premi meliputi cadangan premi yang belum reserves include reserves for unearned premiums due
merupakan pendapatan dikarenakan polisnya belum to policies has not yet matured and the cost of
jatuh tempo dan biaya akuisisi yang masih ditunda, acquisition is still pending, while claims reserves include
sementara cadangan klaim meliputi cadangan atas reserves for claims not yet settled.
klaim yang belum diselesaikan.
Kontrak Asuransi Insurance Contract
Risiko utama yang dihadapi Perusahaan terkait dengan The principal risk that the Company faces under
kontrak asuransi adalah perbedaan antara jumlah insurance contracts is the difference between actual
klaim yang terjadi, manfaat yang dibayarkan dan waktu claims, benefit payments and claim dates from the one
terjadinya klaim dengan yang diprediksikan predicted previously. This is influenced by the
sebelumnya. Hal ini dipengaruhi oleh frekuensi, tingkat frequency, severity of claims, actual benefits paid and
keparahan (severity) dari klaim, manfaat aktual yang subsequent development of long-term claims.
dibayarkan, dan perkembangan dari klaim jangka Therefore, the objective of the Company is to ensure
panjang. Oleh karena itu, tujuan Perusahaan adalah that sufficient reserves are made to cover those
untuk memastikan bahwa cadangan yang dibentuk liabilities.
cukup untuk memenuhi semua liabilitas tersebut.
Eksposur risiko yang terkait dengan kontrak asuransi The risk exposure related to insurance contracts is
dapat dimitigasi dengan melakukan diversifikasi mitigated by diversification of insurance contracts
portofolio kontrak asuransi dan area geografis. portfolio and geographical areas. The variability of risks
Keberagaman risiko diperbaiki juga melalui pemilihan is also improved by prudent risks selection and
risiko dengan hati-hati dan implementasi dari pedoman implementation of underwriting strategy guidelines, as
underwriting serta pengaturan program reasuransi. well as reinsurance program arrangements.
Dalam rangka manajemen risiko atas pertanggungan For purposes of risk management on significant amount
asuransi yang bernilai signifikan dan mempunyai of insurance coverage and special risk coverage, the
risiko khusus, Perusahaan mengadakan kontrak Company entered proportional either non-proportional
reasuransi baik yang bersifat proporsional maupun reinsurance contracts with some local and foreign
nonproporsional dengan beberapa perusahaan insurance and reinsurance companies.
asuransi dan reasuransi dalam negeri dan luar negeri.
Asumsi utama yang menjadi dasar dalam perhitungan The principal assumption in calculating the claim
estimasi kewajiban klaim yaitu bahwa pembentukan reserve estimations is that the Group’s future claims
klaim masa depan Perusahaan akan memiliki pola yang development will follows a similar pattern to historical
sama dengan pembentukan klaim yang terjadi di masa claims development. This follow a similar pattern to
lampau. Termasuk asumsi dari rata-rata beban klaim, historical claims development. This includes
beban penanganan klaim, faktor inflasi klaim dan assumption on average claim costs, claim handling
jumlah klaim untuk setiap tahun kecelakaan. Justifikasi costs, claim inflation factors and claim numbers for
kualitatif tambahan digunakan untuk memperkirakan each accident year. Additional qualitative judgments are
tingkat di masa depan, misalnya kejadian khusus yang used to assess the extent to which historical trend may
hanya terjadi sekali, perubahan yang terjadi di pasar not apply in the future, for example: specific one-off
seperti sikap masyarakat terhadap klaim, kondisi occurrence, changes in market factors such as public
ekonomi maupun faktor internal seperti campuran attitude to insure claims, economic conditions, as well
portofolio, syarat dan ketentuan polis dan prosedur as internal factors such as portfolio mix, policy terms
penanganan klaim. and conditions and claims handling procedures.
87
Page 454
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
a. Risiko Asuransi (Lanjutan) a. Insurance Risk (Continued)
Kontrak Asuransi (Lanjutan) Insurance Contract (Continued)
Justifikasi lebih lanjut digunakan untuk menghitung Further justification is required to assess the extent to
tingkat di mana faktor eksternal seperti keputusan which external factors such as judicial decisions and
peradilan dan peraturan pemerintah yang government regulations affect the claim estimates.
memengaruhi estimasi besaran klaim. Kondisi utama Other key conditions affecting the reliability of
yang memengaruhi keandalan dari asumsi yang assumption used are loss ratio, delay in settlement and
digunakan adalah rasio kerugian, keterlambatan dalam changes in foreign currency exchange rates.
penyelesaian dan perubahan nilai tukar mata uang
asing.
Tabel berikut ini menyajikan konsentrasi liabilitas The following table presents the concentration of
kontrak asuransi - konvensional berdasarkan jenis insurance contract liabilities - conventional by type of
kontrak: contract:
2025
Reasuransi milikan/ Neto/
Asuransi/ Insurance Reinsurance held Net
Harta benda 1.030.600.978.281 652.438.796.025 378.162.182.256 Property
Kendaraan bermotor 69.797.539.674 5.980.364.766 63.817.174.908 Motor vehicle
Pengangkutan 10.695.036.506 7.159.483.231 3.535.553.275 Marine cargo
Rangka kapal 192.194.837 397.122.344 ( 204.927.507) Marine hull
Rangka pesawat 588.284.406 273.039.688 315.244.718 Aviation hull
Rekayasa 210.352.431.837 184.104.770.606 26.247.661.231 Engineering
Kesehatan 268.806.760.707 7.703.728.421 261.103.032.286 Health
Kredit 202.594.886.958 6.050.920.879 196.543.966.079 Credit
Lain-lain 27.227.329.344 14.575.649.404 12.651.679.940 Others
Jumlah 1.820.855.442.550 878.683.875.364 942.171.567.186 Total
2024
Reasuransi milikan/ Neto/
Asuransi/ Insurance Reinsurance held Net
Harta benda 739.864.227.377 591.614.446.715 148.249.780.662 Property
Kendaraan bermotor 74.224.168.778 3.489.284.428 70.734.884.350 Motor vehicle
Pengangkutan 7.958.489.515 4.138.753.830 3.819.735.685 Marine cargo
Rangka kapal - - - Marine hull
Rangka pesawat 1.918.156.334 1.681.432.803 236.723.531 Aviation hull
Rekayasa 178.436.516.166 146.550.182.190 31.886.333.976 Engineering
Kesehatan 262.586.717.228 5.052.831.988 257.533.885.240 Health
Kredit 68.396.726.006 4.087.112.733 64.309.613.273 Credit
Lain-lain 46.091.357.088 12.077.042.163 34.014.314.925 Others
Jumlah 1.379.476.358.492 768.691.086.850 610.785.271.642 Total
Sensitivitas Sensitivity
Liabilitas klaim sangat sensitif terhadap asumsi utama Claim liabilities are very volatile to key assumptions
yang digunakan. Hingga saat ini adalah hal yang tidak used. It is not possible to quantify the sensitivity of
mungkin untuk dapat menentukan tingkat sensitivitas certain assumptions such as regulation change or
dari beberapa asumsi seperti perubahan perundangan uncertainty in the estimation process.
atau ketidakpastian dalam proses estimasi.
88
Page 455
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
a. Risiko Asuransi (Lanjutan) a. Insurance Risk (Continued)
Tabel perkembangan klaim - bruto Claim development table - gross
2025
(dalam jutaan rupiah/in million rupiah)
Tahun Kejadian/ 1 Tahun/ 2 Tahun/ 3 Tahun/ 4 Tahun/ 5 Tahun/ 6 Tahun/ 7 Tahun/ 8 Tahun/ 9 Tahun/ 10 Tahun/
Year of Accident Years Years Years Years Years Years Years Years Years Years
Akumulasi klaim
yang telah
dibayarkan/
Accumulated
claims paid
FYD - 9 589.476 724.122 764.724 771.426 776.189 801.832 809.857 809.861 809.861 809.865
FYD - 8 561.384 795.402 824.384 836.370 838.981 839.441 840.310 840.310 840.320 -
FYD - 7 580.392 834.784 886.597 909.349 916.471 1.007.320 1.007.604 1.007.634 - -
FYD - 6 635.487 857.309 911.538 919.317 920.194 920.274 921.136 - - -
FYD - 5 524.169 680.158 750.951 786.624 787.390 788.324 - - - -
FYD - 4 614.200 842.049 895.055 901.204 915.141 - - - - -
FYD - 3 924.322 1.094.650 1.215.824 1.241.524 119.475 - - - - -
FYD - 2 992.683 1.220.227 1.291.363 - - - - - - -
FYD - 1 991.841 1.166.402 - - - - - - - -
FYD 782.111 - - - - - - - - -
2024
(dalam jutaan rupiah/in million rupiah)
Tahun Kejadian/ 1 Tahun/ 2 Tahun/ 3 Tahun/ 4 Tahun/ 5 Tahun/ 6 Tahun/ 7 Tahun/ 8 Tahun/ 9 Tahun/ 10 Tahun/
Year of Accident Years Years Years Years Years Years Years Years Years Years
Akumulasi klaim
yang telah
dibayarkan/
Accumulated
claims paid
FYD - 9 73.368 175.406 218.544 222.910 222.928 223.258 223.258 223.258 223.258 223.147
FYD - 8 589.476 724.122 764.724 771.426 776.189 801.832 809.857 809.861 809.861 -
FYD - 7 561.384 795.402 824.384 836.370 838.981 839.441 840.310 840.310 - -
FYD - 6 580.392 834.784 888.862 911.614 918.736 1.009.583 1.009.867 - - -
FYD - 5 635.487 859.775 914.004 921.783 922.659 922.739 - - - -
FYD - 4 524.169 680.158 750.951 786.624 787.390 - - - - -
FYD - 3 614.200 842.049 895.055 901.204 56.147 - - - - -
FYD - 2 938.500 1.108.828 1.230.002 - - - - - - -
FYD - 1 992.683 1.222.705 - - - - - - - -
FYD 992.041 - - - - - - - - -
Berdasarkan tabel pengembangan klaim, nilai FYD-9 Based on the claim development table, the FYD-9 for
pada tahun 2024 lebih rendah dibandingkan dengan 2024 is lower compared to other years. This is due to
tahun-tahun lainnya. Hal ini disebabkan oleh the use of only nine years of historical data for the
penggunaan data historis selama 9 tahun pada lini health line of business, resulting in a shorter
bisnis kesehatan sehingga periode pengembangan development period applied in the calculation.
yang digunakan dalam perhitungan menjadi lebih
pendek.
Tabel perkembangan klaim - reasuransi bersih Claim development table - net of reinsurance
2025
(dalam jutaan rupiah/in million rupiah)
Tahun Kejadian/ 1 Tahun/ 2 Tahun/ 3 Tahun/ 4 Tahun/ 5 Tahun/ 6 Tahun/ 7 Tahun/ 8 Tahun/ 9 Tahun/ 10 Tahun/
Year of Accident Years Years Years Years Years Years Years Years Years Years
Akumulasi klaim
yang telah
dibayarkan/
Accumulated
claims paid
FYD - 9 570.163 668.218 682.527 687.336 687.900 699.615 702.205 702.205 702.206 702.210
FYD - 8 539.763 686.022 698.301 703.459 704.684 705.123 705.932 705.932 705.933 -
FYD - 7 537.562 660.251 679.364 681.275 682.937 677.855 678.816 678.611 - -
FYD - 6 596.688 693.772 714.815 718.294 718.822 718.843 718.981 - - -
FYD - 5 470.300 542.801 560.798 564.199 564.651 565.405 - - - -
FYD - 4 573.977 697.452 712.832 714.591 720.302 - - - - -
FYD - 3 842.124 955.470 976.711 984.956 - - - - - -
FYD - 2 957.817 1.093.149 1.112.878 - - - - - - -
FYD - 1 944.873 1.041.223 - - - - - - - -
FYD 745.404 - - - - - - - - -
89
Page 456
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
a. Risiko Asuransi (Lanjutan) a. Insurance Risk (Continued)
Tabel perkembangan klaim - reasuransi bersih Claim development table - net of reinsurance
(Lanjutan) (Continued)
2024
(dalam jutaan rupiah/in million rupiah)
Tahun Kejadian/ 1 Tahun/ 2 Tahun/ 3 Tahun/ 4 Tahun/ 5 Tahun/ 6 Tahun/ 7 Tahun/ 8 Tahun/ 9 Tahun/ 10 Tahun/
Year of Accident Years Years Years Years Years Years Years Years Years Years
Akumulasi klaim
yang telah
dibayarkan/
Accumulated
claims paid
FYD - 9 63.205 121.365 136.801 138.649 138.669 138.681 138.681 138.681 138.681 138.570
FYD - 8 570.163 668.218 682.527 687.336 687.900 699.615 702.205 702.205 702.206 -
FYD - 7 539.763 686.022 698.301 703.459 704.684 705.123 705.932 705.932 - -
FYD - 6 537.562 660.251 679.366 681.277 682.939 677.858 678.818 - - -
FYD - 5 596.688 693.775 714.817 718.297 718.825 718.846 - - - -
FYD - 4 470.300 542.801 560.798 564.199 564.651 - - - - -
FYD - 3 573.977 697.452 712.832 714.591 - - - - - -
FYD - 2 856.302 969.648 990.889 - - - - - - -
FYD - 1 957.817 1.094.016 - - - - - - - -
FYD 945.073 - - - - - - - - -
b. Risiko Kredit b. Credit Risk
Risiko kredit adalah risiko bahwa counterparty tidak Credit risk is the risk that a counterparty will not meet
akan memenuhi liabilitasnya berdasarkan instrumen its obligations under a financial instrument or customer
keuangan atau kontrak pelanggan, yang menyebabkan contract, leading to a financial loss. The Company is
kerugian keuangan. Perusahaan dihadapkan pada exposed to credit risk from its operating activities and
risiko kredit dari kegiatan operasi dan dari aktivitas from its financing activities, including deposits with
pendanaan, termasuk deposito pada bank dan lembaga banks and financial institutions, foreign exchange
keuangan, transaksi valuta asing dan instrumen transactions and other financial instruments. Credit risk
keuangan lainnya. Risiko kredit terutama berasal dari arises mainly from premium receivables from policy
piutang premi dari pemegang polis, agen asuransi dan holders, insurance agents and brokers and reinsurance
broker dan piutang reasuransi. receivables from reinsurers.
Risiko kredit mencakup kerugian potensial yang terjadi Credit risk includes the potential loss incurred on the
atas risiko dari counterparty untuk memenuhi liabilitas risk of counterparties to meet contractual obligations.
kontraktualnya. Perusahaan terekspos terhadap risiko The Company is exposed to credit risk from underwriting
kredit dari underwriting dalam usaha/bisnis asuransi in the business of insurance and the Company applies
dan Perusahaan menerapkan ketentuan kredit untuk the provisions of credit to reduce this risk. Exposure for
mengurangi risiko ini. Eksposur atas risiko kredit ini credit risk is monitored on an ongoing basis.
dimonitor secara berkesinambungan.
Perusahaan senantiasa melakukan penagihan premi The Company collects premiums from policyholders and
dari pemegang polis dan klaim dari reasuransi pada claims of reinsurance on the due date billing.
saat jatuh tempo penagihannya. Pengawasan terhadap Supervision of the receivable balance is conducted
saldo piutang dilakukan secara berkesinambungan continuously to minimize the amounts that cannot be
untuk meminimalisasi piutang yang tidak dapat billed. Reinsurance companies are chosen based on
ditagih. Perusahaan memilih reasuransi berdasarkan reputation and which have a ratings of above A.
reputasinya dan yang mempunyai rating di atas A.
Tabel berikut ini memberikan informasi mengenai The following table provides information regarding the
maksimum kredit yang dihadapi oleh Perusahaan pada maximum credit risk exposure of the Company as at
31 Desember 2025 dan 2024: December 31, 2025 and 2024:
90
Page 457
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
b. Risiko Kredit (Lanjutan) b. Credit Risk (Continued)
2025 2024
Jumlah Bruto/ Jumlah Neto/ Jumlah Bruto/ Jumlah Neto/
Gross Amounts Total Net Gross Amounts Total Net
Bank 13.508.881.578 13.508.881.578 15.382.997.994 15.382.997.994 Bank
Piutang lain-lain 70.829.673.000 69.748.579.616 68.697.308.054 67.616.214.670 Other receivables
Uang jaminan 1.027.775.280 1.027.775.280 1.208.120.880 1.208.120.880 Refundable deposit
Investasi Investments
Efek 1.370.196.268.729 1.368.334.492.999 1.005.844.547.569 1.003.982.771.839 Marketable securities
Deposito berjangka 620.681.114.566 620.681.114.566 433.037.723.739 433.037.723.739 Time deposits
Penyertaan saham 1.131.124.980 1.131.124.980 1.110.506.611 1.110.506.611 Investment in shares
Investasi lain 2.498.610.151 2.498.610.151 - - Other investment
Jumlah 2.079.873.448.284 2.076.930.579.170 1.525.281.204.847 1.522.338.335.733 Total
Tabel berikut memberikan kualitas kredit dan analisis The following table provides the credit quality and
umur aset keuangan Perusahaan sesuai dengan age analysis of the Company’s financial assets
peringkat kredit debitur Perusahaan pada tanggal according to the Company’s credit ratings of
31 Desember 2025 dan 2024: counterparties as at December 31, 2025 and 2024:
2025
Kerugian Kredit
Belum Jatuh Ekpektasian/
Tempo/ < 60 Hari/ 60 - 90 Hari/ > 90 Hari/ Estimated Credit Jumlah/
Not Yet Due < 60 Days 60 - 90 Days > 90 Days Loss Total
Bank/Bank 13.508.881.578 - - - - 13.508.881.578
Piutang lain-lain/
Other receivables 69.748.579.616 - - 1.081.093.384 ( 1.081.093.384 ) 69.748.579.616
Uang jaminan/
Refundable deposits 1.027.775.280 - - - - 1.027.775.280
Investasi/Investment
Efek/Marketable
securities 1.370.196.268.729 - - - ( 1.861.775.730 ) 1.368.334.492.999
Deposito berjangka/
Time deposits 620.681.114.566 - - - - 620.681.114.566
Penyertaan saham/
Investment in shares 1.131.124.980 - - - - 1.131.124.980
Investasi lain/
Other investment 2.498.610.151 - - - - 2.498.610.151
Jumlah/Total 2.078.792.354.900 - - 1.081.093.384 ( 2.942.869.114 ) 2.076.930.579.170
2024
Kerugian Kredit
Belum Jatuh Ekpektasian/
Tempo/ < 60 Hari/ 60 - 90 Hari/ > 90 Hari/ Estimated Credit Jumlah/
Not Yet Due < 60 Days 60 - 90 Days > 90 Days Loss Total
Bank/Bank 15.382.997.994 - - - - 15.382.997.994
Piutang lain-lain/
Other receivables 67.616.214.670 - - 1.081.093.384 ( 1.081.093.384 ) 67.616.214.670
Uang jaminan/
Refundable deposits 1.208.120.880 - - - - 1.208.120.880
Investasi/Investment
Efek/Marketable
securities 1.005.844.547.569 - - - ( 1.861.775.730 ) 1.003.982.771.839
Deposito berjangka/
Time deposits 433.037.723.739 - - - - 433.037.723.739
Penyertaan saham/
Investment in shares 1.110.506.611 - - - - 1.110.506.611
-
Jumlah/Total 1.524.200.111.463 - - 1.081.093.384 ( 2.942.869.114 ) 1.522.338.335.733
91
Page 458
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
c. Risiko Pasar c. Market Risk
Risiko Tingkat Suku Bunga Interest Rate Risk
Risiko pasar adalah risiko di mana nilai wajar dari Market risk is the risk that the fair value of future cash
arus kas masa depan dari suatu instrumen keuangan flows of a financial instrument will fluctuate because of
akan berfluktuasi karena perubahan harga pasar. changes in market prices. The Company is exposed to
Perusahaan dipengaruhi oleh risiko pasar, terutama market risks, in particular, interest rate risk and foreign
risiko tingkat suku bunga, dan risiko nilai tukar mata currency exchange risk.
uang asing.
Perubahan suku bunga dapat memengaruhi hasil Interest rate changes may affect the Company’s
investasi Perusahaan, terutama berdampak pada investment results, particularly impact on the level of
tingkat penghasilan dari portofolio investasi dalam income from portfolio investments in time deposit and
deposito berjangka dan obligasi. Untuk itu manajemen bonds. For that, management proactively placing the
proaktif menempatkan dana-dana yang terhimpun dari funds collected from the premium collection and
hasil penagihan premi dan recovery klaim reasuransi recovery of reinsurance claims in a financial instrument
dalam instrumen keuangan yang mendatangkan yield that brings a yield that is always competitive, in addition
yang selalu kompetitif, disamping tentunya tetap to still consider the terms of the quality and security of
memperhatikan segi kualitas dan keamanan investasi such investment.
tersebut.
Pada tanggal 31 Desember 2025 dan 2024, As at December 31, 2025 and 2024, the Company is
Perusahaan menunjukkan perubahan suku bunga exposed to changes in market interest rates through its
pasar melalui kas dan bank, deposito berjangka, dan cash on hand and cash in banks, time deposit, and
obligasi yang merupakan suku bunga variabel (Catatan bonds which are subject to variable interest rates (Notes
4 dan 7). Seluruh aset dan liabilitas keuangan 4 and 7). All other financial assets and liabilities have
menggunakan suku bunga tetap. fixed rates.
Risiko Nilai Tukar Mata Uang Asing Foreign Exchange Currency Risk
Risiko mata uang asing adalah risiko dimana nilai wajar Foreign exchange currency risk is the risk that the fair
atau arus kas masa mendatang dari suatu instrumen value or future cash flows of a financial instrument will
keuangan akan berfluktuasi karena perubahan dari nilai fluctuate because of changes in foreign exchange rates.
tukar mata uang asing.
Pengaruh dari risiko perubahan nilai tukar mata uang The Company’s exposure to the risk of changes in
asing terutama berasal dari aktivitas usaha foreign exchange rates relates primarily to the
Perusahaan. Company’s operating activities.
Risiko nilai tukar dikaitkan dengan kewajiban yang This risk is related to liabilities to be settled compared
harus dilunasi dibandingkan pendapatan yang diterima with expected earnings in foreign exchange currencies.
dalam bentuk valuta asing. Disamping itu potensi risiko Exchange rates risk may also occur due to time
nilai tukar juga dapat terjadi karena perbedaan waktu difference between recording of income and liability as
pencatatan pendapatan dengan kewajiban pada saat a result of fluctuations of exchange rates. Exchange
nilai tukar fluktuatif. Risiko nilai tukar dimitigasi dengan rates risk is mitigated by applying prudent underwriting
melakukan pengendalian risiko nilai tukar melalui and selecting appropriate strategies towards funding
penerapan prinsip kehati-hatian dan pemilihan strategi utilization and transactions carried out in foreign
yang tepat (lindung nilai) terhadap penyediaan dana currencies as well as applying compliance with
dan transaksi yang mencakup eksposur risiko dalam recording.
valuta asing, serta menerapkan kepatuhan dalam
pencatatan.
Perusahaan memonitor secara ketat fluktuasi dari nilai The Company closely monitors the foreign exchange
tukar mata uang asing sehingga dapat mengambil rate fluctuation and market expectation so it can take
langkah-langkah yang paling menguntungkan necessary actions benefited most to the Company in
Perusahaan pada waktu yang tepat. Manajemen tidak due time. The management currently does not consider
menganggap perlu untuk melakukan transaksi the necessity to enter into any currency forward/swaps.
forward/swap mata uang asing saat ini.
92
Page 459
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
c. Risiko Pasar (Lanjutan) c. Market Risk (Continued)
Risiko Nilai Tukar Mata Uang Asing (Lanjutan) Foreign Exchange Currency Risk (Continued)
Berikut adalah posisi aset dan liabilitas moneter dalam The following table shows monetary assets and
mata uang asing pada tanggal 31 Desember 2025 dan liabilities in foreign currency as at December 31, 2025
2024: and 2024:
2025 2024
Mata Uang Mata Uang
Asing/ Ekuivalen Rupiah/ Asing/ Ekuivalen Rupiah/
Foreign Equivalent in Foreign Equivalent in
Currency Rupiah Currency Rupiah
Aset Assets
Kas dan Cash on hand
bank and in banks
Dolar Amerika United States
Serikat 66.222 1.111.335.255 50.080 809.387.345 Dollar
Aset kontrak Reinsurance
reasuransi contract assets
Dolar Amerika United States
Serikat 22.542.056 378.300.781.137 22.216.637 342.491.682.195 Dollar
Euro 62.280 1.230.231.077 23.780 407.577.718 Euro
Dolar Singapore
Singapura 41.567 543.220.767 ( 17.136) ( 200.691.569) Dollar
Lain-lain - 315.239.546 - 114.445.107 Others
Investasi Investment
Deposito Time
berjangka deposits
Dolar Amerika United States
Serikat 613.910 10.302.635.942 1.818.930 29.397.544.236 Dollar
Obligasi Bonds
Dolar Amerika United States
Serikat 200.000 3.356.400.000 501.518 8.105.528.277 Dollar
Jumlah aset 395.159.843.724 381.125.473.309 Total assets
Liabilitas Liabilities
Liabilitas kontrak Insurance contract
asuransi liabilities
Dolar Amerika United States
Serikat 22.591.066 379.123.271.856 20.647.690 318.304.787.052 Dollar
Euro 73.720 1.456.212.744 52.148 893.793.991 Euro
Dolar Singapore
Singapura 8.933 116.740.740 930 10.896.465 Dollar
Lain-lain - 849.331.630 - ( 236.956.190) Others
Jumlah liabilitas 381.545.556.970 318.972.521.318 Total liabilities
Aset neto 13.614.286.754 62.152.951.991 Net assets
93
Page 460
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
29. KEBIJAKAN DAN TUJUAN MANAJEMEN RISIKO KEUANGAN 29. FINANCIAL RISK MANAGEMENT OBJECTIVES AND POLICIES
(Lanjutan) (Continued)
d. Risiko Likuiditas d. Liquidity Risk
Risiko likuiditas adalah risiko di mana Perusahaan tidak Liquidity risk is the risk that the Company is unable to
bisa memenuhi liabilitas pada saat jatuh tempo. meet its obligations when they fall due. The
Manajemen melakukan evaluasi dan pengawasan yang management evaluates and monitors cash-in flows and
ketat atas arus kas masuk (cash-in) dan kas keluar cash-out flows to ensure the availability of fund to settle
(cash-out) untuk memastikan tersedianya dana untuk the due payment obligation. In general, fund needed to
memenuhi kebutuhan pembayaran liabilitas yang jatuh settle the current and long-term liabilities is obtained
tempo. Secara umum, kebutuhan dana untuk from selling insurance to customers.
pelunasan liabilitas jangka pendek maupun jangka
panjang yang jatuh tempo diperoleh dari penjualan
kepada pelanggan.
2025
3 Bulan/ 3 - 12 Bulan / 1 - 3 Tahun/ > 3 Tahun/ Jumlah/
Within 3 Months 3 - 12 Months 1 - 3 Years > 3 Years Total
Liabilitas imbalan kerja
karyawan/Employee
benefits liabilties 23.297.610.000 - - - 23.297.610.000
Utang lain-lain/Other payables 186.525.670.244 - - - 186.525.670.244
Jumlah 209.823.280.244 - - - 209.823.280.244
2024
3 Bulan/ 3 - 12 Bulan / 1 - 3 Tahun/ > 3 Tahun/ Jumlah/
Within 3 Months 3 - 12 Months 1 - 3 Years > 3 Years Total
Liabilitas imbalan kerja
karyawan/Employee
benefits liabilties 6.730.000.000 - - - 6.730.000.000
Utang lain-lain/Other payables 108.876.136.867 - - - 108.876.136.867
Jumlah 115.606.136.867 - - - 115.606.136.867
Kontrak atas jatuh tempo di atas menggambarkan arus The above contractual maturities reflect the gross cash
kas bruto yang berbeda dari nilai tercatat atas liabilitas flows, which may differ from the carrying values of the
pada akhir periode laporan. liabilities at the end of the reporting period.
94
Page 461
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
30. SEGMEN OPERASI 30. OPERATING SEGMENT
Perusahaan mengklasifikasikan lini bisnisnya atas asuransi harta benda, kendaraan bermotor, The Company classifies its lines of business into property, motor vehicle, marine cargo, marine
pengangkutan, rangka kapal, rangka pesawat, rekayasa, kesehatan, kredit dan lain-lainnya untuk hull, aviation hull, engineering, health, credit and others for its primary segment reporting.
pelaporan segmen primernya.
2025
(dalam jutaan Rupiah/in million Rupiah)
Kendaraan
bermotor/ Rangka Rangka
Harta benda/ Motor Pengangkutan/ kapal/ pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property vehicles Marine Cargo Marine hull Aviation hull Engineering Health Credit Others Total
Hasil jasa asuransi Insurance service result
Pendapatan jasa Insurance service
asuransi 564.096 117.845 46.859 107 2.686 140.371 1.259.585 1.596.050 42.373 3.769.972 revenue
Beban jasa asuransi ( 550.785) ( 133.300) ( 34.364) ( 79) ( 444) ( 117.256) ( 965.928) ( 1.587.434) ( 34.954) ( 3.424.544) Insurance service expense
Pendapatan (beban) Income (expense)
dari kontrak reasuransi from reinsurance
milikan ( 157.811) 3.699 ( 6.666) ( 80) ( 2.713) ( 33.805) ( 1.311) ( 11.648) ( 14.545) ( 224.880) contracts held
Hasil jasa asuransi Insurance service result
- bersih ( 144.500) ( 11.756) 5.829 ( 52) ( 471) ( 10.690) 292.346 ( 3.032) ( 7.126) 120.548 - net
2024
(dalam jutaan Rupiah/in million Rupiah)
Kendaraan
bermotor/ Rangka Rangka
Harta benda/ Motor Pengangkutan/ kapal/ pesawat/ Rekayasa/ Kesehatan/ Kredit/ Lain-lain/ Jumlah/
Property vehicles Marine Cargo Marine hull Aviation hull Engineering Health Credit Others Total
Hasil jasa asuransi Insurance service result
Pendapatan jasa Insurance service
asuransi 549.266 131.500 46.292 - 2.884 99.097 1.157.355 1.084.941 58.054 3.129.389 revenue
Beban jasa asuransi ( 431.712) ( 107.448) ( 31.761) - ( 218) ( 75.190) ( 1.108.273) ( 1.081.847) ( 30.899) ( 2.867.348) Insurance service expense
Pendapatan (beban) Income (expense)
dari kontrak reasuransi from reinsurance
milikan ( 187.524) ( 1.063) ( 10.337) - ( 2.547) ( 20.435) ( 3.049) ( 10.369) ( 21.565) ( 256.889) contracts held
Hasil jasa asuransi Insurance service result
- bersih ( 69.970) 22.989 4.194 - 119 3.472 46.033 ( 7.275) 5.590 5.152 - net
95
Page 462
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
30. SEGMEN OPERASI (Lanjutan) 30. OPERATING SEGMENT (Continued)
Perusahaan juga mengklasifikasikan bisnis usahanya The Company also classifies its business based on
berdasarkan wilayah geografis, pendapatan Perusahaan geographical area. The Company’s revenue based on
berdasarkan wilayah geografis adalah sebagai berikut: geographical area are as follows:
Berdasarkan Pasar Geografis/
By Geographical Market
2025 2024
Pendapatan jasa asuransi Insurance service revenue
Jabodetabek 3.487.667.824.618 2.875.560.307.093 Jabodetabek
Sumatera 117.653.670.128 103.746.509.246 Sumatera
Jawa Timur 44.250.730.141 55.385.898.846 Jawa Timur
Jawa Tengah 43.233.489.727 33.091.803.137 Jawa Tengah
Jawa Barat 55.083.010.610 43.876.755.649 Jawa Barat
Balikpapan 8.968.206.383 7.648.896.965 Balikpapan
Bali 8.278.021.124 6.137.230.259 Bali
Makassar 4.837.113.505 3.941.670.430 Makassar
Jumlah 3.769.972.066.236 3.129.389.071.625 Total
31. INSTRUMEN KEUANGAN 31. FINANCIAL INSTRUMENTS
Tabel di bawah ini adalah perbandingan nilai tercatat dan The table below is a comparison by class of the carrying
nilai wajar dari instrumen keuangan Perusahaan yang amounts and fair value of the Company’s financial
tercatat di laporan keuangan. instruments that are carried in the financial statements.
2025 2024
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Aset keuangan Financial assets
Aset keuangan yang diukur Financial assets measured
pada nilai wajar melalui at fair value through
laba rugi profit or loss
Reksa dana 389.232.304.460 389.232.304.460 76.768.596.285 76.768.596.285 Mutual fund
Aset keuangan pada biaya Financial assets at
perolehan diamortisasi amortized cost
Kas dan bank 13.513.381.578 13.513.381.578 15.387.497.994 15.387.497.994 Cash on hand and in banks
Piutang lain-lain 70.829.673.000 69.748.579.616 68.697.308.054 67.616.214.670 Other receivables
Deposito berjangka 620.681.114.566 620.681.114.566 433.037.723.739 433.037.723.739 Time deposits
Obligasi 960.273.177.069 958.411.401.339 929.075.951.284 927.214.175.554 Bonds
Investasi lain 2.498.610.151 2.498.610.151 - - Other investment
Uang jaminan 1.027.775.280 1.027.775.280 1.208.120.880 1.208.120.880 Refundable deposits
Subjumlah 1.668.823.731.644 1.665.880.862.530 1.447.406.601.951 1.444.463.732.837 Sub-total
Aset keuangan yang diukur Financial assets
pada nilai wajar melalui at fair value
penghasilan through other
komprehensif lain comprehensive income
Obligasi 20.690.787.200 20.690.787.200 - - Bonds
Penyertaan saham 1.131.124.980 1.131.124.980 1.110.506.611 1.110.506.611 Investments in shares
Subjumlah 21.821.912.180 21.821.912.180 1.110.506.611 1.110.506.611 Sub-total
Jumlah aset keuangan 2.079.877.948.284 2.076.935.079.170 1.525.285.704.847 1.522.342.835.733 Total financial assets
96
Page 463
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31. INSTRUMEN KEUANGAN (Lanjutan) 31. FINANCIAL INSTRUMENTS (Continued)
2025 2024
Nilai Tercatat/ Nilai Wajar/ Nilai Tercatat/ Nilai Wajar/
Carrying Value Fair Value Carrying Value Fair Value
Liabilitas keuangan pada
biaya perolehan Financial liabilities at
diamortisasi amortized cost
Utang lain-lain 186.525.670.244 186.525.670.244 108.876.136.867 108.876.136.867 Other payables
Liabilitas imbalan kerja Employee benefit
karyawan 23.297.610.000 23.297.610.000 6.730.000.000 6.730.000.000 liabilities
Jumlah liabilitas keuangan 209.823.280.244 209.823.280.244 115.606.136.867 115.606.136.867 Total financial liabilities
Berikut metode dan asumsi yang digunakan untuk estimasi The following methods and assumptions are used to
nilai wajar: estimate the fair value:
Nilai wajar aset lancar dan liabilitas jangka pendek The fair value of current assets and current liabilities
mendekati nilai tercatat karena jangka waktu jatuh tempo approximate their carrying value amount largely due to the
yang singkat atas instrumen keuangan tersebut. short-term maturities of these instruments.
Nilai wajar dari aset keuangan yang dimiliki hingga jatuh The fair value of financial assets held to maturity is
tempo ditentukan menggunakan diskonto arus kas determined by discounting cash flows using effective
berdasarkan tingkat suku bunga pasar efektif. market interest rate.
Nilai wajar uang jaminan dicatat sebesar biaya perolehan The fair value of refundable deposits is carried at cost
karena tidak dapat diukur secara andal dan dianggap tidak because its fair value cannot be measured reliably and
material atas nilai wajarnya. considered not material.
Investasi yang tidak memiliki kuotasi harga pasar di pasar Unquoted investments in shares of PT Reasuransi Maipark
yang diaktif berupa penyertaan saham pada PT Reasuransi Indonesia, Konsorsium Asuransi atas Risiko Khusus and
Maipark Indonesia, Konsorsium Asuransi atas Risiko Sertifikat Dewan Asuransi Indonesia, wherein the fair
Khusus dan Sertifikat Dewan Asuransi Indonesia yang nilai values cannot be reliably measured are carried at cost.
wajarnya tidak dapat ditentukan dengan andal, maka
dicatat pada harga perolehan.
Hierarki Nilai Wajar Fair Value Hierarchy
Tabel di bawah ini menganalisis instrumen keuangan yang The table below analyses financial instruments carried at
dicatat pada nilai wajar berdasarkan tingkatan metode fair value by level of valuation method. The different levels
penilaian. Perbedaan pada setiap tingkatan metode of valuation methods have been defined as follows:
penilaian dijelaskan sebagai berikut:
a. Tingkat 1 a. Level 1
Harga kuotasian (tidak disesuaikan) dalam pasar aktif Quoted prices (unadjusted) in active markets for
untuk aset atau liabilitas yang identik. identical assets or liabilities.
b. Tingkat 2 b. Level 2
Input selain harga kuotasian yang termasuk dalam Inputs other than quoted prices included within level 1
tingkat 1 yang dapat diobservasi untuk aset atau that are observable for the asset or liability, either
liabilitas, baik secara langsung (misalnya harga) atau directly (as prices) or indirectly (derived from prices).
secara tidak langsung (misalnya derivasi dari harga).
c. Tingkat 3 c. Level 3
Input untuk aset atau liabilitas yang bukan berdasarkan Inputs for the asset or liability that are not based on
data pasar yang dapat diobservasi (input yang tidak observable market data (unobservable inputs).
dapat diobservasi).
97
Page 464
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31. INSTRUMEN KEUANGAN (Lanjutan) 31. FINANCIAL INSTRUMENTS (Continued)
Hierarki Nilai Wajar (Lanjutan) Fair Value Hierarchy (Continued)
2025
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset Keuangan Financial assets
Aset keuangan yang Financial assets measured at
diukur pada nilai wajar fair value through
melalui laba rugi profit or loss
Reksa dana 389.232.304.460 - - 389.232.304.460 Mutual fund
Aset keuangan yang Financial assets at
diukur pada nilai wajar fair value
melalui penghasilan through other
komprehensif lain comprehensive income
Obligasi 20.690.787.200 - - 20.690.787.200 Bonds
Penyertaan saham - 1.131.124.980 - 1.131.124.980 Investments in shares
Jumlah 409.923.091.660 1.131.124.980 - 411.054.216.640 Total
2024
Tingkat 1/ Tingkat 2/ Tingkat 3/ Jumlah/
Level 1 Level 2 Level 3 Total
Aset Keuangan Financial assets
Aset keuangan yang Financial assets measured at
diukur pada nilai wajar fair value through
melalui laba rugi profit or loss
Reksa dana 76.768.596.285 - - 76.768.596.285 Mutual fund
Aset keuangan yang Financial assets at
diukur pada nilai wajar fair value
melalui penghasilan through other
komprehensif lain comprehensive income
Penyertaan saham - 1.110.506.611 - 1.110.506.611 Investments in shares
Jumlah 76.768.596.285 1.110.506.611 - 77.879.102.896 Total
Nilai wajar untuk instrumen keuangan yang diperdagangkan The fair value of financial instruments traded in active
di pasar aktif ditentukan berdasarkan kuotasi nilai pasar markets is based on quoted market prices at the reporting
pada tanggal pelaporan. Kuotasi nilai pasar yang digunakan date. The quoted market price used for financial assets held
Perusahaan untuk aset keuangan adalah harga penawaran by the Company is the current bid price, while financial
(bid price), sedangkan untuk liabilitas keuangan liabilities use ask price. These instruments are included in
menggunakan harga jual (ask price). Instrumen keuangan level 1.
ini termasuk dalam tingkat 1.
Nilai wajar instrumen keuangan yang tidak diperdagangkan The fair value of financial instruments that are not traded in
di pasar aktif ditentukan dengan menggunakan teknik an active market is determined using valuation techniques.
penilaian tertentu. Teknik tersebut menggunakan data These valuation techniques maximize the use of observable
pasar yang dapat diobservasi sepanjang tersedia dan market data where it is available and rely as little as
seminimal mungkin mengacu pada estimasi. Apabila possible on estimates. If all significant inputs required to fair
seluruh input signifikan atas nilai wajar dapat diobservasi, value an instrument are observable, the instrument is
instrumen keuangan ini termasuk dalam tingkat 2. included in level 2.
Jika satu atau lebih input yang signifikan tidak berdasarkan If one or more of the significant inputs is not based on
data pasar yang dapat diobservasi, maka instrumen observable market data, the instrument is included in
tersebut masuk ke dalam tingkat 3. Ini berlaku untuk surat- level 3. This is the case for unlisted equity securities.
surat berharga ekuitas yang tidak diperdagangkan di bursa.
98
Page 465
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
31. INSTRUMEN KEUANGAN (Lanjutan) 31. FINANCIAL INSTRUMENTS (Continued)
Teknik penilaian tertentu digunakan untuk menentukan Specific valuation techniques used to value financial
nilai instrumen keuangan mencakup: instruments include:
a. Penggunaan harga yang diperoleh dari bursa atau a. The use of quoted market prices or dealer quotes for
pedagang efek untuk instrumen sejenis; similar instruments;
b. Teknik lain seperti analisis arus kas yang didiskonto b. Other techniques, such as discounted cash flows
digunakan untuk menentukan nilai instrumen keuangan analysis, are used to determine fair value for the
lainnya; dan remaining financial instruments; and
c. Nilai wajar kontrak mata uang asing berjangka. c. The fair value of forward foreign exchange contracts is
determined using forward exchange rates at the
reporting date.
32. DAMPAK PENERAPAN PSAK No. 117 32. EFFECT OF ADOPTION PSAK No. 117
Kebijakan Akuntansi Terkait Transisi PSAK No. 117 Accounting Policy Relating to Transition of PSAK No. 117
Berdasarkan aturan transisi PSAK No. 117, kelompok Under the transitional rules of PSAK No. 117, group of
kontrak asuransi yang ada pada tanggal transisi insurance contracts that exists at transition date
(1 Januari 2023, awal periode pelaporan tahunan sesaat (January 1, 2023, the beginning of the annual reporting
sebelum tanggal penerapan awal) akan dikonversi ke nilai period immediately before the date of initial application) will
kini dengan menerapkan salah satu dari metode berikut: be converted to present value by applying either one of the
pendekatan retrospektif penuh, pendekatan retrospektif following methods: full retrospective approach, the modified
yang dimodifikasi, atau pendekatan nilai wajar. retrospective approach or the fair value approach.
Pada prinsipnya, Perusahaan harus mengidentifikasi, In principle, the Company shall identify, recognize and
mengakui, dan mengukur setiap kelompok kontrak measure each group of insurance contracts as if PSAK
asuransi seolah-olah PSAK No. 117 telah selalu diterapkan No. 117 had always been applied (a full retrospective
(pendekatan retrospektif penuh). Jika pendekatan approach). If it is impracticable to apply the full
retrospektif penuh tidak praktis untuk diterapkan, maka retrospective approach, then either the modified
pendekatan retrospektif yang dimodifikasi atau pendekatan retrospective approach or the fair value approach can be
nilai wajar dapat diterapkan. applied.
Tujuan dari pendekatan retrospektif yang dimodifikasi The objective of the modified retrospective approach is to
adalah untuk mencapai hasil yang paling mendekati achieve the closest outcome to full retrospective approach
pendekatan retrospektif penuh dengan menggunakan using reasonable and supportable information available
informasi wajar dan terdukung yang tersedia tanpa biaya without undue cost or effort. The fair value approach
atau upaya yang berlebihan. Pendekatan nilai wajar measures group of insurance contracts using fair value
mengukur kelompok kontrak asuransi menggunakan measurement prescribed in PSAK No. 113 Fair Value
pengukuran nilai wajar yang ditetapkan dalam Measurement. The contractual service margin for the
PSAK No. 113 Pengukuran Nilai Wajar. Margin jasa liability for remaining coverage will be determined as the
kontraktual untuk liabilitas cakupan sisa akan ditentukan difference between the fair value of group of insurance
sebagai selisih antara nilai wajar kelompok kontrak contracts and the fulfilment cash flows at the transition
asuransi dan arus kas pemenuhan pada tanggal transisi. date.
Perusahaan menyusun laporan posisi keuangan pada The Company prepared the statement of financial position
tanggal 1 Januari 2023 sebagai tanggal transisi. Metode as at January 1, 2023 as the transition date. The transition
transisi yang diterapkan adalah sebagai berikut: methods applied are as follows:
Pendekatan Retrospektif Penuh/ Pendekatan Retrospektif Modifikasian/
Full retrospective approach Modified retrospective approach
Semua lini bisnis/ Semua kontrak asuransi yang Kontrak asuransi yang ditandatangani
All Line of businiess ditanggung sejak 2023 / sebelum tahun 2023/
All insurance contract underwritten Insurance contract underwritten prior to
since 2023 2023
99
Page 466
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. DAMPAK PENERAPAN PSAK No. 117 (Lanjutan) 32. EFFECT OF ADOPTION PSAK No. 117 (Continued)
Kebijakan Akuntansi Terkait Transisi PSAK No. 117 Accounting Policy Relating to Transition of PSAK No. 117
(Lanjutan) (Continued)
Dampak penyajian kembali pada laporan keuangan per The impact of restatement in the financial statements as of
1 Januari 2024/31 Desember 2023 serta untuk tahun yang January 1, 2024/December 31, 2023 and for the year
berakhir pada 31 Desember 2024 atas penerapan ended December 31, 2024 for PSAK No. 117
PSAK No. 117 adalah sebagai berikut: implementation are as follows:
31 Desember 2023/December 31, 2023
Sebelum penyajian Setelah penyajian
kembali/ Penyajian kembali/ kembali/
Before restatement Restatement After restatement
ASET ASSETS
Aset kontrak asuransi - 298.530.868 298.530.868 Insurance contract asset
Aset kontrak reasuransi - 862.478.949.053 862.478.949.053 Reinsurance contract asset
Piutang premi - neto 399.857.765.287 ( 399.857.765.287) - Premium receivables - net
Piutang reasuransi - neto 119.786.715.375 ( 119.786.715.375) - Reinsurance receivables - net
Piutang lain-lain - neto 19.313.567.140 41.418.914.666 60.732.481.806 Other receivables - net
Uang muka dan biaya Advances and
dibayar di muka 10.192.277.190 ( 230.244.678) 9.962.032.512 prepaid expenses
Aset reasuransi 877.326.373.539 ( 877.326.373.539) - Reinsurance assets
LIABILITAS LIABILITIES
Utang klaim 19.519.236.792 ( 19.519.236.792) - Claim payables
Utang reasuransi 187.813.498.219 ( 187.813.498.219) - Reinsurance payables
Utang komisi 54.365.070.897 ( 54.365.070.897) - Commission payables
Liabilitas kontrak asuransi 1.606.664.351.365 ( 272.998.515.785) 1.333.665.835.580 Insurance contract liabilities
Pendapatan premi ditangguhkan 12.889.930.055 ( 8.625.738) 12.881.304.317 Deferred premium income
Liabilitas pajak tangguhan 22.796.291.166 270.205.289 23.066.496.455 Deferred tax liabilities
Utang lain-lain 74.464.515.017 36.578.178.592 111.042.693.609 Other payables
EKUITAS EQUITY
Penghasilan komprehensif lain Other comprehensive income
Beban keuangan asuransi - ( 1.453.684.295) ( 1.453.684.295) Insurance finance expense
Pendapatan keuangan Reinsurance finance
reasuransi - ( 972.641.145) ( 972.641.145) income
Saldo laba Retained earnings
Belum ditentukan
penggunaannya 625.389.769.909 7.278.184.698 632.667.954.607 Unappropriated
Dampak penyajian kembali pada laporan keuangan per The impact of restatement in the financial statements as of
31 Desember 2024 serta untuk tahun yang berakhir pada December 31, 2024 and for the year ended December 31,
31 Desember 2024 atas penerapan PSAK No. 117 adalah 2024 for PSAK No. 117 implementation are as follows:
sebagai berikut:
31 Desember 2024/December 31, 2024
Sebelum penyajian Setelah penyajian
kembali/ Penyajian kembali/ kembali/
Before restatement Restatement After restatement
ASET ASSETS
Aset kontrak reasuransi - 768.691.086.850 768.691.086.850 Reinsurance contract asset
Piutang premi - neto 497.682.811.758 ( 497.682.811.758) - Premium receivable - net
Piutang reasuransi - neto 95.213.161.394 ( 95.213.161.394) - Reinsurance receivable - net
Piutang lain-lain - neto 21.405.013.706 46.211.200.964 67.616.214.670 Other receivables - net
Uang muka dan biaya Advances and
dibayar di muka 9.729.207.048 ( 156.567.238) 9.572.639.810 prepaid expenses
Aset reasuransi 845.142.759.046 ( 845.142.759.046) - Reinsurance assets
LIABILITAS LIABILITIES
Utang klaim 148.385.346.445 ( 148.385.346.445) - Claim payables
Utang reasuransi 210.910.991.810 ( 210.910.991.810) - Reinsurance payables
Utang komisi 49.790.341.075 ( 49.790.341.075) - Commission payables
Liabilitas kontrak asuransi 1.604.658.669.293 ( 225.182.310.801) 1.379.476.358.492 Insurance contract liabilities
Pendapatan premi ditangguhkan 17.816.888.798 539.815.543 18.356.704.341 Deferred premium income
Liabilitas pajak tangguhan 32.164.517.257 785.789.917 32.950.307.174 Deferred tax liabilities
Utang lain-lain 106.029.189.410 2.846.947.457 108.876.136.867 Other payables
100
Page 467
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. DAMPAK PENERAPAN PSAK No. 117 (Lanjutan) 32. EFFECT OF ADOPTION PSAK No. 117 (Continued)
Kebijakan Akuntansi Terkait Transisi PSAK No. 117 Accounting Policy Relating to Transition of PSAK No. 117
(Lanjutan) (Continued)
31 Desember 2024/December 31, 2024
Sebelum penyajian Setelah penyajian
kembali/ Penyajian kembali/ kembali/
Before restatement Restatement After restatement
EKUITAS EQUITY
Penghasilan komprehensif lain Other comprehensive income
Beban keuangan asuransi - ( 1.099.199.704) ( 1.099.199.704) Insurance finance expense
Pendapatan keuangan Reinsurance finance
reasuransi - ( 1.230.729.832) ( 1.230.729.832) income
Saldo laba Retained earnings
Belum ditentukan
penggunaannya 678.564.114.582 9.133.355.128 687.697.469.710 Unappropriated
PENDAPATAN REVENUES
Premi bruto 3.378.031.914.533 ( 3.378.031.914.533 ) - Gross premium
Premi reasuransi ( 602.363.298.670 ) 602.363.298.670 - Reinsurance premium
Perubahan neto premi yang Net changes in
belum merupakan unearned
pendapatan ( 29.660.644.126 ) 29.660.644.126 - premium reserved
Pendapatan jasa asuransi - 3.129.389.071.625 3.129.389.071.625 Insurance service revenues
Beban jasa asuransi - ( 2.867.348.328.805 ) ( 2.867.348.328.805 ) Insurance service expenses
Pendapatan reasuransi - 195.366.337.136 195.366.337.136 Reinsurance revenue
Beban kontrak reasuransi - ( 452.255.247.057 ) ( 452.255.247.057 ) Reinsurance contract expense
Penghasilan (beban) Other income
lain-lain - neto 1.406.736.908 ( 1.406.736.908 ) - (expenses) – net
BEBAN EXPENSES
Klaim bruto - pihak ketiga ( 2.611.101.738.590 ) 2.611.101.738.590 - Gross claims - third parties
Klaim reasuransi 264.199.759.753 ( 264.199.759.753 ) - Reinsurance claims
Perubahan estimasi klaim Changes in estimated
dan liabilitas kontrak claims and insurance
asuransi ( 517.288.297 ) 517.288.297 - contract liabilities
Beban komisi - neto ( 88.688.487.670 ) 88.688.487.670 - Commission expenses - net
Beban usaha ( 224.728.772.092 ) 195.150.172.913 ( 29.578.599.179 ) Operating expenses
Beban underwriting Other underwriting
lainnya - neto ( 96.971.758.881 ) 96.971.758.881 - expense - net
Beban keuangan asuransi - ( 19.793.323.603 ) ( 19.793.323.603 ) Insurance finance expense
Pendapatan (beban) Reinsurance finance
keuangan reasuransi - 10.127.144.079 10.127.144.079 income (expense)
Pendapatan lain-lain - bersih - 26.042.935.137 26.042.935.137 Other income - net
LABA SEBELUM PAJAK PROFIT BEFORE
PENGHASILAN 74.825.374.884 2.343.566.465 77.168.941.349 INCOME TAX
Beban pajak penghasilan Income tax benefits
- neto ( 12.551.030.211 ) ( 488.396.035 ) ( 13.039.426.246 ) - net
LABA TAHUN BERJALAN 62.274.344.673 1.855.170.430 64.129.515.103 PROFIT FOR THE YEAR
PENGHASILAN OTHER COMPREHENSIVE
KOMPREHENSIF LAIN INCOME
Pos-pos yang akan Item that will be reclassified to
direklasifikasi ke laba rugi profit or loss:
Beban keuangan asuransi - 454.467.425 454.467.425 Insurance finance expense
Pajak penghasilan terkait - ( 99.982.834 ) ( 99.982.834 ) Related income tax
- 354.484.591 354.484.591
Pendapatan keuangan Reinsurance finance
reasuransi - ( 330.882.932 ) ( 330.882.932 ) income
Pajak penghasilan terkait - 72.794.245 72.794.245 Related income tax
- ( 258.088.687 ) ( 258.088.687 )
JUMLAH PENGHASILAN TOTAL ITHER
KOMPREHENSIF LAIN, COMPREHENSIVE INCOME,
SETELAH PAJAK ( 4.115.061.163 ) - ( 4.018.665.259 ) NET OF TAX
JUMLAH LABA TOTAL COMPREHENSIVE
KOMPREHENSIF TAHUN 58.159.283.510 1.951.566.334 60.110.849.844 INCOME FOR THE YEAR
101
Page 468
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
32. DAMPAK PENERAPAN PSAK No. 117 (Lanjutan) 32. EFFECT OF ADOPTION PSAK No. 117 (Continued)
Kebijakan Akuntansi Terkait Transisi PSAK No. 117 Accounting Policy Relating to Transition of PSAK No. 117
(Lanjutan) (Continued)
31 Desember 2024/December 31, 2024
Sebelum penyajian Setelah penyajian
kembali/ Penyajian kembali/ kembali/
Before restatement Restatement After restatement
ARUS KAS DARI CASH FLOWS FROM
AKTIVITAS OPERASI OPERATING ACTIVITIES
Penerimaan premi 3.283.106.438.588 ( 204.484.715.595 ) 3.078.621.722.993 Premium income received
Penerimaan klaim Reinsurance
reasuransi 293.140.022.930 8.983.398.280 302.123.421.210 claims received
Pembayaran klaim ( 2.482.235.628.936 ) 86.404.475.318 ( 2.395.831.153.618 ) Claims paid
Pembayaran biaya akuisi Payment of acquisition costs
dan komisi ( 93.903.260.368 ) ( 300.076.368.586 ) ( 393.979.628.954 ) and commissions
Pembayaran premi Reinsurance
reasuransi ( 564.043.030.681 ) 108.614.822.902 ( 455.428.207.779 ) premiums paid
Pembayaran beban usaha ( 202.843.236.077 ) 189.133.219.172 ( 13.710.016.905 ) Operating expense paid
Pembayaran lain-lain - neto ( 77.035.982.970 ) 111.112.791.398 34.076.808.428 Other payments - net
Pembayaran pajak ( 17.842.479.378 ) 316.389.110 ( 17.526.090.268 ) Taxes paid
33. PERISTIWA SETELAH TANGGAL PELAPORAN 33. EVENTS AFTER REPORTING DATE
Pengangkatan Komite Audit Appointment of Audit Committee
Berdasarkan Surat Keputusan Dewan Komisaris Based on the Board of Commissioners Decision Letter
No. SK-001/BOC-CS/II/2026 tanggal 24 Februari 2026 No. SK-001/BOC-CS/II/2026 dated February 24, 2026, the
Dewan Komisaris Perusahaan mengangkat Komite Audit Company’s Board of Commissioners appointed the Audit
sebagai berikut: Committee as follows:
Ketua Hyacintus Henri Djantoko Chairman
Anggota Sapto Wahyu Indratno Member
Anggota Mawarto Member
34. TAMBAHAN INFORMASI ARUS KAS 34. SUPPLEMENTARY CASH FLOWS INFORMATION
Transaksi nonkas dari aktivitas investasi ditunjukkan dlama Non-cash transactions from financing activities are shown
rekonsiliasi antara perubahan yang terjadi pada akun uang in the reconciliation between changes in advance payment
muka pembelian aset takberwujud dengan jumlah yang for purchase of intangible assets with the amount shown in
dilaporkan pada laporan arus kas sebagai berikut: the statement of cash flows follows:
2025 2024
AKTIVITAS YANG TIDAK ACTIVITIES NOT
MEMPENGARUHI ARUS KAS AFFECTING CASH FLOWS
AKTIVITAS INVESTASI INVESTMENT ACTIVITIES
Perolehan aset takberwujud melalui Acquisition of intangible assets
uang muka ( 13.107.719.763) through advance
Reklasifikasi uang muka ke Reclassification of advances to
aset takberwujud 13.107.719.763 intangible assets
AKTIVITAS PENDANAAN FINANCING ACTIVITIES
Pembayaran dividen melalui Payment of dividends
utang dividen 3.300.000 through dividend liabilities
102
Page 469
These Financial Statements are Originally
Issued in Indonesian Language
PT LIPPO GENERAL INSURANCE Tbk PT LIPPO GENERAL INSURANCE Tbk
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2025 FOR THE YEAR ENDED DECEMBER 31, 2025
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)
35. INFORMASI PENTING LAINNYA 35. OTHER IMPORTANT INFORMATION
Informasi tambahan berikut merupakan pengungkapan The following additional information is an additional
informasi tambahan dalam catatan atas laporan keuangan disclosure on notes to the financial statement that are not
yang tidak dipersyaratkan oleh Standar Akuntansi required by Financial Accounting Standards in Indonesia.
Keuangan di Indonesia. Pengungkapan informasi The disclosure of this additional information is to comply
tambahan ini untuk memenuhi regulasi dari Otoritas Jasa with Financial Services Authority regulation.
Keuangan.
Analisis Kekayaan dan Perhitungan Batas Tingkat Assets Analysis and Calculation of Solvency Margin
Solvabilitas
Berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) In accordance with Financial Services Authority (OJK)
No. 26 Tahun 2025 yang telah diundangkan pada tanggal Regulation No. 26 of 2025 promulgated on
24 November 2025 tentang Pengelolaan Aset dan Liabilitas 24 November 2025 concerning the Management of Assets
Perusahaan Asuransi dan Perusahaan Reasuransi mulai and Liabilities of Insurance and Reinsurance Companies,
berlaku untuk menggantikan POJK No. 5 tahun 2023 shall enter into force and supersedes POJK No. 5 of 2023
tentang perubahan kedua atas Peraturan OJK concerning the second amendment to OJK Regulation
No. 71/POJK.05/2016 tanggal 28 Desember 2016, No. 71/POJK.05/2016 dated December 28, 2016,
penyempurnaan atas Peraturan Menteri Keuangan improvement of Regulation of the Minister of Finance of the
Republik Indonesia No. 53/PMK.010/2012 tanggal 3 April Republic Indonesia No. 53/PMK.010/2012 dated
2012, Perusahaan diwajibkan untuk menjaga rasio April 3, 2012, the Company is required to maintain solvency
solvabilitas yang dihitung dengan menggunakan ratio, which is calculated by using Minimum Risk Based
pendekatan Modal Minimum Berbasis Risiko (“MMBR”). Capital (“MRBC”) approach. The Company has to meet at all
Perusahaan setiap saat wajib memenuhi tingkat solvabilitas times a solvency margin of at least 120% of risk of loss that
minimum sebesar 120% dari risiko kerugian yang mungkin might arise from deviation of assets and liabilities
timbul sebagai akibat dari deviasi dalam pengelolaan management.
kekayaan dan liabilitas.
Batas tingkat solvabilitas minimum dihitung dengan Minimum solvency margin is calculated by considering
mempertimbangkan kegagalan pengelolaan kekayaan, unsuccessful assets management, imbalance between
ketidakseimbangan antara proyeksi arus kekayaan dan projected flows of assets and liabilities, imbalance between
liabilitas, ketidakseimbangan antara nilai kekayaan dan assets and liabilities value in each currency, the differences
liabilitas dalam setiap jenis mata uang, perbedaan antara between claims expense incurred and estimated claims
beban klaim yang terjadi dan beban klaim yang expense, insufficient premium as a result of differences
diperkirakan, ketidakcukupan premi akibat perbedaan hasil between investment income assumed in determining
investasi yang diasumsikan dalam penetapan premi premiums and investment income earned, inability of
dengan hasil investasi yang diperoleh, ketidakmampuan reinsurer to pay claims and other deviations arising from
pihak reasuradur untuk memenuhi liabilitas membayar assets and liabilities management.
klaim dan deviasi lainnya yang timbul dari pengelolaan
kekayaan dan liabilitas.
Perhitungan tingkat solvabilitas Perusahaan tersebut di Calculation of the Company’s solvency is determined are as
atas dapat dijelaskan sebagai berikut (tidak diaudit): follow (unaudited):
2025 2024
Tingkat solvabillitas Solvency margin
Jumlah aset yang diperkenankan Total admitted assets
Investasi 2.025.518.632.421 1.525.266.002.189 Investments
Bukan investasi 1.453.181.820.513 1.452.738.016.109 Non-investments
Jumlah 3.478.700.452.934 2.978.004.018.298 Total
Liabilitas (kecuali pinjaman Liabilities (except for subordinated
subordinasi) 2.632.534.775.094 2.180.240.658.656 loan)
Jumlah tingkat solvabilitas 846.165.677.840 797.763.359.642 Total solvency margin
Batas Tingkat Solvabilitas Minimum Required Minimum Solvency Margin
(BTSM) (RSM)
Jumlah Batas Tingkat Solvabilitas Total Required Minimum
Minimum 278.350.044.692 252.829.726.269 Solvency Margin
Kelebihan Batas Tingkat Excess over the Required Minimum
Solvabilitas Minimum 567.815.633.148 544.933.633.373 Solvency Margin
Rasio pencapaian solvabilitas 304% 316% Solvency ratio
103
Page 470
Kantor Pusat
Head Office
Lippo Kuningan Building, 27th Floor, Unit A & F
Jl. H.R. Rasuna Said Kav. B-12
Jakarta Selatan 12940 - Indonesia
: +62 21 525 6161
Kantor Pusat Operasional
Operational Head Office
Karawaci Office Park, Block I, Unit 30-35
Lippo Village, Tangerang 15139 - Indonesia
: +62 21 5579 0683
2025 Laporan Tahunan
Annual Report
Names mentioned 179 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT Maskapai Asuransi Marga Suaka
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person
John Leonard Waworuntu
p.7 ×2
unresolved
org
PT Asuransi Marga Pusaka
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person
Misahardi Wilamarta
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person
Wilamarta
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org
PT Asuransi Brawidjaja
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person
Deed Notaris Adasiah Harahap
p.7
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org
Menteri Kehakiman RI
p.7
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person
H. No. J.A.
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person
Notary Adasiah Harahap
p.7
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org
Minister of Justice
p.7
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Hanwha General Insurance Co.
p.7 ×6
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org
PT Inti Anugerah Pratama
p.7
unresolved
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PT Hanwha Life Insurance Indonesia Office
p.7
unresolved
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PT Maskapai
p.8 ×2
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PT Lippo Life Assurance
p.8 ×4
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PT Medika Ekosis Digital
p.8
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Financial Services Authority
p.8 ×8
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PT Lippo Life
p.8
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PT Medika Ekosis
p.8
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PT Lippo General
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Indonesia Stock Exchange
p.8 ×3
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HGI
· Pemegang Saham Pengendali
p.9
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Insurance Co. Ltd.
p.9
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person
Luhur Prihatiningrum
p.20 ×2
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person
Nadia Erlikasna Br. Pandia
p.23 ×4
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person
Maria
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person
Ellicia Septiani. LGI
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person
Chaniago
· Anggota
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org
Departemen IT. Sesi
p.29
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person
Triadi Setyo
p.29 ×2
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person
Ivo Santri Lubis. Program
· Ketua
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person
I Gusti Bagus Wiradharma
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person
Mathias Elsson
· Anggota
p.33 ×3
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person
Afif Setyo Nurcahyo
p.34 ×2
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person
dr. Eduardo Renaldo
p.36 ×2
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person
Julian Adrian Halim
p.37 ×2
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person
dr. Nadia Sylvano
p.37 ×4
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person
Kevin Exaudi Siregar
p.37 ×2
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person
Christine Prety Ballerena
· Anggota
p.38 ×5
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person
Irsan Rivani
· Ketua
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unresolved
person
Maureen Indriaty
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RD Hikmat
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Kezia Riventa. Diskusi
p.39 ×2
unresolved
person
Mathias
p.41
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person
LGI Organized Blood Donation Drive
p.41
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org
PT Reasuransi Maipark Indonesia
p.42
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Bank Indonesia
p.56 ×2
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org
PT Asuransi Brawidjaja. Since
p.68
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org
PT Lippo General Insurance. This
p.69
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person
Notary Sriwi Bawana Nawaksari
p.72 ×2
unresolved
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Korea Selatan. Diangkat
· Presiden Komisaris
p.82 ×2
unresolved
org
M. Krugger Ltd.
p.83 ×2
unresolved
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Lippo Securities Tbk
p.83 ×3
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PT Lippo
p.83 ×2
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General Insurance Tbk
p.83
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PT Lippo Pacific Finance
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Corporation Tbk.
p.83
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Multipolar Corporation Tbk.
p.83 ×2
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PT Star
p.83
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Pacific Tbk.
p.83
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PT Asuransi Lippo Life
p.84 ×6
unresolved
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Furthermore
· Ketua
p.84
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PT Asuransi Jiwa AIG Life
· Direktur Employee
p.84 ×2
unresolved
org
PT Aon Indonesia
p.84 ×2
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PT Aon Reinsurance Broker Indonesia
p.84 ×2
unresolved
org
PT Orion Penjaminan Indonesia
p.84 ×2
unresolved
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Ministry of Trade. Currently
p.85
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Kementerian Perdagangan. Saat
p.85
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org
Perencanaan Strategis dan Manajemen Risiko
p.85
unresolved
—
South Korea. Appointed
· President Commissioner
p.86
unresolved
org
Hanwha Life Insurance Co. Ltd.
p.86
unresolved
org
PT Hanwha Life
p.86
unresolved
org
PT Telplus Digitalindo
p.87 ×2
unresolved
org
PT Telepoint Nusantara
p.87 ×2
unresolved
org
PT Datakom Asia
p.87
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PT Datakom Asia Mobile
p.87
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PT Infokom
p.87
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PT Infokom Elektrindo
p.87
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person
Jamilah Mawira Sungkar
· Komisaris Independen
p.88 ×4
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person
Lee Jaehyun
· Commissioner
p.88 ×2
unresolved
—
Djantoko
· Independent Commissioner
p.88 ×3
unresolved
person
Ali Chendra Djantoko
p.88 ×7
unresolved
—
Feliciano
· Commissioner
p.88
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—
Tangerang Selatan. Menjabat
· Presiden Direktur
p.90
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org
PT Gajah
p.90
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org
PT Gajah Tunggal Tunggal Prakarsa
p.90
unresolved
org
PT Asuransi Jiwa Ekalife
p.90 ×2
unresolved
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PT Asuransi Sinar
p.90
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org
PT Asuransi Sinar Mas. Mas. Pernah
· Presiden Komisaris
p.90
unresolved
org
Siloam International Hospital Tbk
p.90 ×4
unresolved
org
PT Unimaxx Comm Mitra. Selain
· Presiden Direktur
p.90
unresolved
org
PT Unimaxx Comm Mitra. Apart
· Presiden Direktur
p.90 ×2
unresolved
—
Tangerang. Diangkat
· Direktur
p.93
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—
Tangerang. Appointed
· Director
p.93
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—
Mawarto
· Anggota
p.94
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org
Doktor Manajemen
· Member
p.94
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org
PT Asuransi Jiwa Universitas Negeri
p.94
unresolved
—
Susanti Halim
· Anggota
p.94
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person
Informatika
· Member
p.94 ×3
unresolved
—
Charles
· Anggota
p.95
unresolved
—
Emma Paulina
· Anggota
p.95
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—
Satini Kartika
· Anggota
p.95
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person
Universitas
· Member
p.95 ×2
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org
Net Tbk
p.95 ×2
unresolved
—
Viyanty Salim
· Anggota
p.96
unresolved
—
Jessy Christina
· Anggota
p.96
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Gabriella
· Anggota
p.97
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person
Ilmu Pengetahuan Alam
· Member
p.97 ×3
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Timmie
· Anggota
p.97
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org
Institut Teknologi
· Member
p.97
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Evan Parulian
· Anggota
p.97
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Putri Citra
· Anggota
p.98
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Edhita Ayu
· Anggota
p.98
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person
dr. Joseph
· Ketua
p.98
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person
Universitas Pelita
· Chairman
p.98
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org
PT Maybank Indonesia Universitas Bina
p.100 ×2
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person
Universitas Diponegoro
· Chairman
p.102 ×2
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—
Pondi Pratama
· Anggota
p.102
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Universitas Padjadjaran
· Member
p.102
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Ilmu Kelautan
· Member
p.102
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Nadia
· Anggota
p.102
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Setiyo Andi
· Ketua
p.103
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Janto Rivai
· Anggota
p.105
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Terapan
· Member
p.105
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Maureen
· Anggota
p.105
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Wineke
· Anggota
p.106
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Dedi Susilo
· Anggota
p.106
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Keperawatan
· Member
p.106
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Aditya
· Anggota
p.106
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Luhur
· Ketua
p.106
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Yuita
· Ketua
p.107
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STIE Bisma LEPISI
· Chairman
p.107
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Cintya Cloreta
· Anggota
p.107
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Yekti
· Anggota
p.107
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Universitas Kristen Krida
· Member
p.107
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Djoko Perdana
· Anggota
p.107
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Universitas Jenderal
· Member
p.107
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Tangerang. Menjabat
· Kepala Unit Audit Internal
p.110
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Departemen General CP
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