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PUBLIC EXPOSE 2026 PT LIPPO GENERAL INSURANCE Tbk
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Company Overview
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Company Overview
PT Lippo General Insurance Tbk
Becomes a company of Hanwha : 2023 Becomes a subsidiary
Established : 1963 Industry : General Insurance
Industri : Asuransi Umum Menjadi bagian dari Hanwha Group : 2023 of Hanwha General Insurance Co.Ltd : 2025
Didirikan: 1963 Menjadi anak Perusahaan Hanwha General
Insurance Co.Ltd : 2025
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Vision and Mission
Vision: Mission:
To become one of the leading general To conduct general insurance business
insurance companies in Indonesia with a professionally and prudently, with high-
strong international network. commitment to achieving healthy growth
through superior service standards.
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Business Scope: Health & General 1. Corporate Health 1. Property 1. Automobile 1. Liability 2. Individual Health 2. Commercial Building 2. Motorcycle 2. Engineering 3. Personal Accident 3. Individual Risks 3. Heavy Equipment 3. Marine Cargo 4. Travel Insurance 4. Money & Casualty 5. General Accident 5. Financial Lines
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2025 Achievements
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2025 Achievements Breakthrough Digitalization: eBenefit Health App., eBenefit General App, MyPro+. Digitalisasi Terobosan: eBenefit Health App., eBenefit General App., MyPro+. IFRS 17 Implementation: Enhancing transparency & setting new financial standards. Implementasi IFRS 17: Meningkatkan transparansi & standar keuangan baru. ESG Commitment: Sustainable policies & responsible investments shaping a greener future. Komitmen ESG: Kebijakan berkelanjutan & investasi bertanggung jawab.
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Board of Commissioners & Directors
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Board of Commissioners Park Young Mock Roberto Fernandez Feliciano Hyacintus Henri Djantoko Sapto Wahyu Indratno President Commissioner Commissioner Independent Commissioner Independent Commissioner
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Board of Directors Agus Benjamin Choi Hyunhee Gilbert D.Naibaho Kwon Gi Han President Director Vice President Director Director Director
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Business & Operational Activities
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LGI’s Ecosystem
Leading Digital Insurance:
Expanding market reach with next-generation platforms.
Dominasi Asuransi Digital:
Memperluas jangkauan pasar dengan platform generasi baru.
Regulatory & ESG Framework:
Supporting sustainability through ESG-based insurance, including Electric
Vehicle Insurance.
Kerangka Regulasi & ESG:
Mendukung keberlanjutan melalui asuransi berbasis ESG, termasuk Asuransi Kendaraan
Listrik.
Customer Engagement & Services:
Enhancing customer interaction through apps, chatbots, and digital
services.
Keterlibatan & Layanan Pelanggan:
Memperkuat interaksi pelanggan melalui aplikasi, chatbot, dan layanan digital.
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Growth Philosophy
Spirit of Spirit of Spirit of
Improvement: Development: Exploring :
Enhancing governance & operational Expanding market share & strengthening Innovating & digitizing insurance
efficiency. the core business. solutions.
Meningkatkan tata kelola & efisiensi Memperluas pangsa pasar & memperkuat Berinovasi & mendigitalisasi solusi asuransi.
operasional. bisnis inti.
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Financial Performance
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Financial Performance as of December 2025
Financial Highlights
Gross Premium Insurance Service Revenue Income Before Tax EPS (Earnings Per Share)
Premi Bruto Pendapatan Jasa Asuransi Laba sebelum pajak Laba Bersih per Saham
3.97 T 3.77 T 168.48 B 48
2024 : 3.38T 2024 : 3.13 T 2024 : 77.17 B 2024 : 21
*Financial Data 31 December 2025 audited **Financial Data 2025 audited ***laporan keuangan yang digunakan berdasarkan PSAK 117
Data finansial December 31,2025 diaudit Data finansial 2025 diaudit financial statements prepared in accordance with PSAK 117
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Financial Performance
2024 2025
1 TOTAL GWP 3.38 T 3.97 T
2 TOTAL INSURANCE SERVICE REVENUE 3.77 T 3.13 T
3 Income Before Tax 77.17 B 168.48 B
4 Net Profit After Tax 64. B 144.73 B
5 EPS (Earnings Per Share) (in full Rupiah) 21 48
2024 2025
ROE 7.0% 13.5%
* Financial Data 31 December 2025 audited
ROA 2.0% 3.8% Data finansial December 31,2025 diaudit
RBC 315.5% 304.0% ** Ratio Calculation based on PSAK 104 audited
Perhitungan Rasio berdasarkan PSAK 104 diaudit
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Challenges in 2026
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Challenges in 2026 Global Economic Uncertainty: Diversified portfolios & risk mitigation. Ketidakpastian Ekonomi Global: Diversifikasi portofolio & mitigasi risiko. Premium Rate Pressure: Optimized risk assessment & pricing strategy. Tekanan Tarif Premi: Optimalisasi risk assessment & strategi harga. Regulatory Changes (IFRS 17): Transitioning to new reporting standards. Perubahan Regulasi (IFRS 17): Transisi ke standar pelaporan baru. Climate Risk Impact: Strengthening risk models for future resilience. Dampak Risiko Iklim: Memperkuat model risiko untuk ketahanan masa depan. ESG Push: Integrating sustainability across all business operations. Dorongan ESG: Mengintegrasikan keberlanjutan di semua lini bisnis.
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BUSINESS
PROSPECTS IN
2026
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2026 Business Target (1of 2)
3 Engines for Growth
3 Pilar Utama untuk bertumbuh
Health Insurance Digital Business Korea Desk
The foundation for the next Enhance digital business Enhancing collaboration with
decade. expansion through D2C, dedicated support for Korean
Asuransi Kesehatan partnerships, and platform-based businesses and investors.
Fondasi utama channels. Korea Desk
Business Digital Meningkatkan kolaborasi melalui
Meningkatkan ekspansi bisnis dukungan khusus bagi bisnis dan
digital melalui D2C, Partnership investor Korea.
and via Platform.
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2026 Business Target (2 of 2)
Dengan mempertimbangkan bahwa pasar sedang berada dalam fase konsolidasi dan beberapa lini bisnis menghadapi tekanan yang cukup besar dalam
menjaga keberlanjutannya, Perseroan melakukan penyesuaian strategi pertumbuhan dengan menerapkan persyaratan yang sangat ketat dalam menerima
bisnis, sesuai dengan pedoman underwriting yang prudent. Sebagai konsekuensinya, Perseroan mengantisipasi akan melepaskan Sebagian account
renewal dan menggantinya dengan beberapa bisnis baru. Penetapan target topline yang konservatif merupakan pendekatan yang paling tepat dalam
kondisi tersebut. Dengan menerapkan strategi tersebut. Perseroan meyakini bahwa profitabilitas dapat dipertahankan dalam kisaran yang lebih realistis.
Having anticipated that the market is under consolidation, and some business lines in deep pressure in terms of managing its sustainability, so the company is
realigning the growth strategy, by applying very strict terms in accepting the business following the prudent underwriting guidelines and because of this we anticipating
of releasing some of the renewal accounts and replace them with some new businesses. Putting a conservative topline target is the best approach for such condition.
By applying such strategy, we believe, the profitability can be contained within a more realistic range.
Setting the Bar for Business
Menetapkan Standar Bisnis
Total GWP Total Insurance Service Revenue Income Before Tax Sustained EBITDA &
Premi Bruto Pendapatan Jasa Asuransi Laba Sebelum Pajak Valuation Growth
Pertumbuhan EBITDA & Valuasi
3.8 T 3.6 T 163.5 B
yang Berkelanjutan
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Strategic Initiatives
Digitalization & Technology Innovation:
Digitalisasi & Inovasi Teknologi:
MyGo+:
A behavior-based motor insurance program offering incentives for safe drivers, equipped with telematics technology for
monitoring driving habits, enhancing safety, and providing financial benefits. Target: 30,000 new users in the first year.
Inovasi asuransi kendaraan berbasis perilaku, memberikan insentif bagi pengendara aman dengan premi yang lebih kompetitif. Dilengkapi
dengan teknologi telematika untuk memantau kebiasaan berkendara, meningkatkan keselamatan, dan memberikan manfaat finansial bagi
pengguna. Target: 30.000 pengguna baru di tahun pertama.
MyPro+:
A digital platform for insurance services with an omnichannel experience.
Platform digital untuk layanan asuransi omnichannel.
eBenefit Health:
AI-driven transformation of corporate healthcare services.
Transformasi layanan kesehatan berbasis AI.
eBenefit General:
AI-driven transformation of general insurance
Transformasi layanan asuransi umum berbasis AI.
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Digital Strategic Initiatives MyGO+, an innovative telematics app, and MyPro+, a D2C insurance platform, were launched alongside expanded digital marketing initiatives to broaden the digital audience. MyGO+, sebuah aplikasi telematika yang inovatif, Direct- to-Customer (D2C) dan MyPro+, sebuah platform asuransi , diluncurkan bersamaan dengan perluasan inisiatif pemasaran digital untuk memperluas jangkauan audiens digital.
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Strategic Initiatives
Insurance for SMEs: Expanding Travel Protection Cyber Insurance:
Insurance for SMEs for Schengen Cyber Insurance:
Protection for small and medium enterprises. Memperluas perlindungan perjalanan untuk Addressing digital risks for businesses.
Perlindungan untuk sektor UKM. Schengen Mengantisipasi risiko digital bisnis.
Collaboration & Expansion:
Kolaborasi & Ekspansi:
Strengthening relationships with banks, Increasing digital market penetration through
brokers, & strategic partners. strategic partnerships.
Penguatan hubungan dengan bank, broker, & b Peningkatan penetrasi di sektor digital melalui
mitra strategis. kerja sama strategis.
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Challenges & Opportunities
Regulatory Uncertainty & Exchange Rate Fluctuations & Rising Public Awareness of Expanding Digital Market
New Government Policies Global Economic Policies Insurance (CAGR 29% until 2030)
Ketidakpastian Regulasi & Fluktuasi Nilai Tukar & Dampak Peningkatan Kesadaran Pasar Digital Berkembang Pesat
Kebijakan Pemerintah Baru Kebijakan Ekonomi Global Masyarakat terhadap Asuransi (CAGR 29% hingga 2030)
Shifting Industry Landscape & Optimizing Profitability with a Unlocking the Potential of Digital Insurance
Digitalization Trends Stronger Portfolio Strategy for a Sustainable Future in 2025-2026
Perubahan Lanskap Industri & Tren Optimalisasi Profitabilitas melalui Membuka Potensi Besar Asuransi Digital untuk Masa
Digitalisasi Strategi Portofolio yang Lebih Sehat Depan Berkelanjutan di 2025-2026
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ISO
ISO 9001-2015 ISO 27001-2022 ISO 9001-2015
Operation of Health Services Information Security Management System Operation of Non-Health Services
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CSR Literasi Edukasi : Goes to School BAF Peka (Program Edukasi Keuangan Anda) with LGI 11 Jun 2025 6 Aug 2025 Thankful Today for Better Tomorrow Green Action Mangrove Planting Program 17 Jan 2025 28 Nov 2025
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Names mentioned 12 people and organisations named in the text · linked when the evidence is strong
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Hanwha General Insurance Co.Ltd
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Hanwha General Insurance Co.
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Perusahaan Hanwha General Insurance Co.Ltd
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Vice
· President Director
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