Zurich Insurance Indonesia

What Zurich Insurance Indonesia does

Zurich Insurance Indonesia is a multi-line insurance operator and subsidiary of the Zurich Insurance Group, providing general insurance, life insurance, and Sharia-compliant (Takaful) coverage to individuals, SMEs, and large corporations across Indonesia. The business is delivered through three regulated entities — PT Zurich Asuransi Indonesia, Tbk (general), PT Zurich Topas Life (life), and Zurich General Takaful Indonesia (Sharia) — supported by 21 offices nationwide and a product portfolio spanning motor (Autocillin, Motopro), health (Zurich Optimal Health Assurance, Medicillin, SME Health), life and investment-linked protection (Ziaga Life Plus, Plan Protector, MahaCita Protection), travel, property, and commercial lines including marine cargo, engineering, contractor all-risk, and Zurich Business Guard. Both conventional and Sharia product variants are available across nearly every category.

The firm monetizes via recurring insurance premiums collected on annual, monthly, or per-trip cadences, with pricing tiered by sum insured, product line, and customer profile (e.g., Ziaga Life Flexy from Rp 20,000/month up to Rp 3 billion cover; ZOHA coverage up to Rp 40 billion). Distribution operates through five channels: an exclusive bancassurance partnership with Bank Mayapada Internasional (plus secondary arrangements with Danamon, Adira, Mandiri Finance, BCA Syariah, Bank Muamalat, Panin Dubai Syariah), a professional agency force, the 21-branch own-retail network, digital self-service platforms (web.digitalnative.zurich.co.id, BarengZurich affiliate portal), and travel-agent partners.

The technology stack centers on three proprietary applications — Autocillin Mobile Claim (self-service motor claims filing with workshop selection), Medicillin App (telemedicine and 24/7 healthcare access), and Zurich Edge Assist (omnichannel sales portal for distribution partners) — built on standard insurance-core systems with mobile and web front-ends. No public APIs or AI/ML-native products are disclosed; digital efficiency is the primary technology value proposition, with digital claims processing compressed from 48 hours to 5 minutes. Strategic emphasis is on deepening bancassurance flows, expanding the Sharia product surface, and leveraging the global Zurich brand to serve Indonesia's still-underpenetrated insurance market.

Name

Zurich Insurance Indonesia

Legal name

PT Zurich Asuransi Indonesia, Tbk

Website

https://zurich.co.id

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Zurich Insurance Indonesia is a subsidiary of Zurich Insurance Group offering general, life, and Sharia-compliant (Takaful) insurance products across Indonesia through 21 branches, bancassurance partnerships, an agency force, and digital platforms serving individuals, SMEs, and large corporations.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers and Related Activities (524), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

Keywords

• General insurance products
• Life insurance solutions
• Sharia compliant insurance
• Vehicle insurance coverage
• Health insurance plans

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Supply Chain, Others

Revenue model

1. Insurance Premium Revenue: Zurich Indonesia generates revenue through collection of insurance premiums from individual and corporate policyholders across life, health, vehicle, property, and business insurance products. Premiums are collected annually or as per policy terms with various payment frequencies available.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Zurich Insurance Indonesia is a multi-line insurance company operating through three entities — PT Zurich Asuransi Indonesia (general insurance), PT Zurich Topas Life (life insurance), and Zurich General Takaful Indonesia (Sharia-compliant general insurance). The company sells vehicle, health, life, investment-linked, property, travel, personal accident, and business insurance products to individual consumers and corporate clients across Indonesia, with both conventional and Sharia-compliant variants.

Product overview

Zurich Insurance Indonesia operates as a multi-line insurance company offering a broad portfolio of products across vehicle, health, life, investment, property, and business insurance segments, available in both conventional and Sharia-compliant variants. The core offering consists of named insurance products organized by coverage type: Autocillin and Motopro for vehicles (with Sharia versions), ZOHA, Medicillin, and SME Health for health coverage, travel and life products including Zurich Travel Insurance, Zurich Income Assurance Plan, Zurich Plan Protector, Ziaga Life Plus, and Zurich Easy Protect 5 for life protection, MahaCita Protection for investment-linked products, Home Insurance and property products for home coverage, and business insurance products such as Asuransi Harta Benda, Asuransi Rekayasa, Business Guard, SME Package, and marine/property/cargo/contractor offerings. The company also offers digital service tools including the Autocillin Mobile Claim app, Medicillin App, and Zurich Edge Assist omnichannel sales platform. Insurance products are distributed through the company's own branches (21 offices across Indonesia), bank partnerships (Bank Mayapada International), and digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• Autocillin: Motor vehicle insurance brand offering car and motorcycle insurance products
• Motopro
• Zurich Syariah Autocillin
• Motopro Syariah
• Zurich Optimal Health Assurance (ZOHA)
• Medicillin
• Zurich Critical Care
• Home Insurance
• Zurich Travel Insurance
• Zurich Income Assurance Plan
• Zurich Plan Protector
• Ziaga Life Plus
• Zurich Easy Protect 5
• Accident Solution
• Zurich Business Guard
• ZLife Credit Protection

Products and services

• Zurich Autocillin Car insurance product offering Comprehensive, Comprehensive Plus, and Total Loss Only (TLO) coverage with options including third-party liability, natural disaster coverage, and 24/7 roadside assistance via Autocillin Garage. Targeted at individual vehicle owners and corporate fleets in Indonesia.
• Zurich Motopro Motorcycle insurance product available in Classic and Classic Plus plans, covering total loss, driver accident, medical costs, and third-party liability, with no survey required for new motorcycles. Targeted at individual motorcycle owners in Indonesia.
• Zurich Syariah Autocillin Sharia-compliant car insurance with TLO and Comprehensive options, managed under mutual assistance principles with surplus return for non-claim periods and Sharia-compliant fund management. Targeted at Muslim individual vehicle owners seeking Islamic insurance.
• Motopro Syariah Sharia-compliant motorcycle insurance covering total loss from accidents or fire, driver accident, and medical costs, managed under Islamic mutual assistance principles. Targeted at Muslim individual motorcycle owners in Indonesia.
• Zurich Optimal Health Assurance (ZOHA) Comprehensive health insurance with 6 benefit plan options, coverage up to Rp40 billion, worldwide medical care (excluding the United States), 90-day waiting period for special diseases, and healthy lifestyle premium discounts. Targeted at individual health insurance buyers.
• SME Health Insurance Group health insurance for small and medium enterprises, starting from Rp1 million premiums, covering inpatient, outpatient, maternity, dental, and optical benefits with cashless claims and no waiting period for accidents. Targeted at small and medium business employers (minimum 10 participants).
• Asuransi Kesehatan Medicillin Employee health insurance with 24/7 coverage via the Medicillin mobile app, telemedicine services, wellness programs, and a broad hospital and clinic network, covering inpatient, outpatient, dental, optical, and maternity benefits. Targeted at corporate clients providing employee benefits.
• Zurich Critical Care Critical illness insurance covering 141 critical diseases, angioplasty, and death, with flexible protection terms (up to age 85 or 20 years), automatic renewal without re-underwriting, and dual plan options with 100% sum assured or premium return benefit. Targeted at individual consumers seeking critical illness coverage.
• MahaCita Protection Life insurance with investment component offering 60% investment allocation from the first year, loyalty bonuses, flexible policy extension up to age 100, and four investment fund choices managed through ZurichLink. Targeted at individual consumers seeking investment-linked life protection.
• Home Insurance Home insurance in three tiers (Basic, Standard, Maximum) covering fire, lightning, explosion, flood, earthquake, theft, third-party liability, and personal accident, available for both homeowners and renters. Targeted at individual residential property owners and tenants.
• Asuransi Rumah Tinggal Syariah Sharia-compliant home insurance with Standard and Maximum packages, covering fire, lightning, explosion, aircraft crash, smoke, theft, third-party liability, and personal accident, with surplus return for non-claim periods. Targeted at Muslim homeowners seeking Islamic home insurance.
• Asuransi Harta Benda Business property insurance covering buildings, machinery, and stock against fire, lightning, explosion, earthquake, flood, storm, riot, and other perils, available in Flexas, Property All Risk, and Earthquake policy packages. Targeted at commercial business clients.
• Asuransi Rekayasa Engineering insurance covering construction (Contractors All Risk), machinery installation (Erection All Risk), machinery breakdown, and electronic equipment during business expansion and equipment installation phases. Targeted at construction and industrial businesses.
• Property All Risk Insurance Sharia Sharia-compliant comprehensive property insurance covering buildings, machinery, and stock against material loss or damage and business interruption, managed under Islamic mutual assistance principles with surplus return for non-claim periods. Targeted at Muslim-owned business clients.
• Asuransi Pengangkutan Marine cargo insurance covering goods during transport by land, sea, or air against fire, accident, natural disaster, theft, collision, and other transport-related risks, available under ICC A, B, and C coverage levels. Targeted at importers, exporters, and logistics businesses.
• Asuransi SME Package Bundle business insurance for small and medium enterprises covering assets, business interruption, customer/visitor protection, and owner/employee protection across 9 occupation types, with Essential, Basic, and Executive package tiers. Targeted at SME owners across multiple industries.
• Zurich Business Guard Comprehensive business insurance combining multiple coverages (building, stock, business assets, third-party liability, flood, earthquake) in a single flexible policy with optional add-ons for electronics, employee accident, and employee dishonesty. Targeted at small business owners.
• Zurich Travel Insurance Travel insurance covering personal accident (up to Rp1.5 billion), medical and emergency costs (up to Rp2.5 billion), trip cancellation and changes (up to Rp65 million), travel and related costs (up to Rp45 million), and baggage and personal effects (up to Rp30 million), with Zurich Assist emergency support. Targeted at individual leisure and business travelers.
• Zurich Syariah Travel Insurance Sharia-compliant travel insurance for Umrah, Hajj, and halal tourism covering medical costs, trip changes, travel expenses, baggage, and repatriation, managed under Islamic principles with 24/7 support and online claims. Targeted at Muslim travelers, particularly Hajj and Umrah pilgrims.
• Zurich Income Assurance Plan Life insurance providing comprehensive death, critical illness, and total permanent disability benefits in years 1 and 2, with annual and staged benefits from policy year 6, premium waiver on diagnosis of 43 critical illnesses, and flexible premium payment terms up to age 100. Targeted at individual life insurance buyers.
• Zurich Plan Protector Endowment life insurance designed for education planning and family financial protection, offering staged benefits of up to 200% of premiums paid from policy years 10-20, flexible premium payment terms, and coverage up to age 100. Targeted at parents and families planning for children's education.
• Ziaga Life Plus Life insurance with premium return featuring Rp200,000/month minimum premiums over 10 years, 15 years of coverage, 110% premium return at maturity, and acceptance ages from 18 to 55 for insured and 18 to 99 for policyholder. Targeted at individual life insurance buyers.
• Zurich Easy Protect 5 Term life insurance with investment return, offering 5-year insurance and premium payment term, fixed affordable premiums, simple underwriting, and 2-month premium savings for annual payments. Targeted at entry-level individual life insurance buyers.
• Asuransi Accident Solution 24-hour personal accident insurance covering death, total/permanent disability, and medical costs with extensive optional extensions including terrorism, sports, natural disaster death, and child education benefits, available for individuals and groups up to age 65 (extendable to 75). Targeted at individuals and groups seeking personal accident coverage.
• Asuransi Kecelakaan Diri Syariah Sharia-compliant personal accident insurance providing coverage up to Rp50 million for death, Rp5 million for medical reimbursement, with contributions from Rp7,500 for 30-day periods to Rp50,000 for annual coverage, available for ages 17-60. Targeted at Muslim individual consumers.
• Zurich Income Assurance Plan Pro Bank partner-specific life insurance for Bank Mayapada International customers, offering comprehensive death, critical illness, and total permanent disability benefits with annual and staged benefits and coverage up to age 100. Distributed exclusively through Bank Mayapada branches.
• Z Life Credit Protection Mortgage Life insurance for Bank Mayapada mortgage borrowers, providing loan repayment up to the sum assured and Rp10 million funeral benefit upon death due to illness or accident, with single premium and coverage up to age 75. Targeted at Bank Mayapada mortgage customers.
• Z Life Credit Personal Loan Life insurance for Bank Mayapada personal loan borrowers, covering loan repayment and offering Rp10 million funeral benefit, TPD with reducing sum assured, accidental death benefit, and traffic accident death benefit. Targeted at Bank Mayapada personal loan customers.

Quantifiable outcome

• Claims processing time reduced from 48 hours to 5 minutes with digital self-service platforms
• +3 more outcomes

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

14 partnerships are on record, tiered core and minor.

• Bank Mayapada InternasionalcoreChannel Partner/ Reseller/ DistributorExclusive bancassurance partnership offering banking customers access to Zurich insurance products including Zurich Critical Care, Zurich Income Assurance Plan Pro, Zurich Optimal Health Assurance, Zurich Plan Protector, Ziaga Life Plus, Mahacita Protection, ZLife Credit Protection Mortgage, and ZLife Credit Personal Loan products.
• Bank DanamonminorChannel Partner/ Reseller/ DistributorBancassurance distribution partnership for insurance products through Bank Danamon branch network.
• Bank AdiraminorChannel Partner/ Reseller/ DistributorBancassurance distribution partnership for insurance products through Bank Adira branch network.
• Mandiri Utama FinanceminorChannel Partner/ Reseller/ DistributorFinance company partnership for vehicle insurance products, particularly Autocillin vehicle insurance distribution.
• ACE InsuranceminorChannel Partner/ Reseller/ DistributorPartnership with ACE Insurance for potential reinsurance or co-insurance arrangements on large commercial risks.
• InformaminorChannel Partner/ Reseller/ DistributorRetail partnership for insurance product distribution through Informa stores.
• Bank BCA SyariahminorChannel Partner/ Reseller/ DistributorSharia-compliant bancassurance partnership for Takaful insurance products through BCA Syariah branches.
• Bank MuamalatminorChannel Partner/ Reseller/ DistributorSharia-compliant bancassurance partnership for Takaful insurance products through Bank Muamalat branches serving Muslim customers.
• Panin Dubai Syariah BankminorChannel Partner/ Reseller/ DistributorSharia-compliant bancassurance partnership for Takaful insurance products through Panin Dubai Syariah Bank.
• Reasuransi (Reinsurance Partners)coreStrategic or Co-development PartnerZurich works with reinsurance companies to manage large commercial risks and Catastrophe (Cat) coverage, particularly for property and engineering insurance products. Both conventional and Sharia reinsurance partnerships are maintained.
• Partner Hospitals and ClinicscoreStrategic or Co-development PartnerExtensive network of partner hospitals and clinics across Indonesia for cashless health insurance claims under Medicillin and Zurich Optimal Health Assurance products. Medicillin App connects policyholders to this network for 24/7 healthcare services.
• Autocillin Garages (Authorized Workshops)coreStrategic or Co-development PartnerNetwork of authorized partner workshops offering vehicle repair services for Autocillin insurance claims. Features include lifetime guarantee, pick-up and delivery service, and car progress monitoring for seamless claims experience.
• Zurich Assist (Emergency Assistance)coreTechnology or IntegrationEmergency medical and travel assistance hotline (021) 8665 8700 providing 24/7 support for travel insurance customers including medical evacuation, repatriation, and emergency travel arrangements.
• ABeam ConsultingminorImplementation/ SI/ Consulting PartnerABeam Consulting served as official sponsor for InsureTech Connect Asia 2025 for the third consecutive year, participating in sessions on AI's transformative impact on underwriting and claims processing in insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Manulife Indonesia: PT Asuransi Jiwa Manulife Indonesia is a leading life insurer competing in individual life, health, and investment-linked products via bancassurance and agency distribution.
• Asuransi Astra: Indonesia's largest motor vehicle insurer (formerly Asuransi Astra Buana), directly competing with Zurich Autocillin in the car and motorcycle insurance segment while also offering health and commercial lines.
• Prudential Indonesia: One of the largest life insurers in Indonesia through PT Prudential Life Assurance, with a similar multi-channel distribution model including bank partners and digital platforms, competing directly with Zurich Topas Life.
• Allianz Life Indonesia: Multinational life and health insurer operating in Indonesia through Allianz Life Indonesia and PT Allianz Utama Indonesia, offering directly comparable life, health, and unit-linked products via agency and bancassurance channels.
• AIA Indonesia: Major pan-Asian life insurer with significant Indonesian operations offering individual life, health, and group employee benefits through agency, bancassurance, and corporate channels.
• Chubb Indonesia: PT Chubb General Insurance Indonesia and Chubb Life Insurance Indonesia offer property & casualty and life insurance products with similar corporate focus and global brand backing.
• MSIG Indonesia: PT Asuransi MSIG Indonesia is a leading general insurer offering motor, property, marine cargo, and engineering insurance, directly comparable to Zurich's general insurance book.
• AXA Indonesia: Multinational insurance group operating life and general insurance in Indonesia through PT AXA Life Indonesia and PT AXA Insurance Indonesia, with overlapping product offerings in health, life, and motor insurance.

Regional players

• Sequislife: PT Asuransi Jiwa Sequis Life is a major Indonesian-domestic life insurer offering life, health, and unit-linked products, providing a comparable life insurance benchmark in the local market.
• Great Eastern Life Indonesia: PT Great Eastern Life Indonesia is part of a Singapore-headquartered insurance group offering life and accident & health insurance, providing Southeast Asian regional competitive context.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCaKhmCNNA6pPuY56o3ej4tA
• Facebookfacebook.com/ZurichID
• Instagraminstagram.com/zurichid
• TikToktiktok.com/@zurichid
• Xx.com/ZurichIndonesi
• LinkedInlinkedin.com/company/zurich-indonesia-proteksi-lengkap-untuk-hidup-anda

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Zurich Insurance Indonesia