ACA Insurance

What ACA Insurance does

PT Asuransi Central Asia (ACA Insurance) is an Indonesian general insurance company headquartered in Jakarta, founded in 1956, and operating across both conventional and Sharia (takaful) business units. ACA's product portfolio spans motor vehicle insurance under the Otomate brand (with a differentiated replacement-car feature and three tiers: Otomate, Otomate Smart, Otomate Solitaire), property and home insurance (ASRI, fire, theft, earthquake, all-risk property/industry), group health insurance (Medi+ for companies with minimum 25 participants), travel insurance (New Travel Safe, Labbaik for Hajj/Umrah), engineering and construction insurance, marine cargo and hull insurance, D&O liability, trade credit insurance, and an extensive micro insurance line (Warisanku, Asuransiku, RumahKu, Stop Usaha, Asuransi Mikro Perjalanan) priced between Rp 30,000 and Rp 50,000 per year for low-income segments.

The company operates a multi-channel distribution model anchored by Kantor Cabang & Perwakilan (branch and representative offices) across all regions of Indonesia, supplemented by exclusive partnerships with PT Pegadaian (micro personal accident insurance through pawnshop outlets), Alfamart (claim payments to Mitra Outlet Binaan), e-commerce platforms (micro travel insurance), and Busan Auto Finance. Its MITRACA platform (mitraca.co.id) and Pusdiklat ACA training academy in Puncak form a structured agent recruitment, commission, and development ecosystem. Revenue is generated through annual and per-coverage insurance premiums across the full product set, with claims processed within 10 working days and a 24-hour hotline. ACA maintains a workforce of 1001-5000 employees and is privately held with no disclosed parent company, funding history, or institutional investors.

Name

ACA Insurance

Legal name

PT Asuransi Central Asia

Website

https://aca.co.id

Company type

Private

Founded year

1956

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

General Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Self-Funded (ASO) Group Health Plans & Stop-Loss (FSAIAFAB)

akta.pro secondary industries

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK), Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• General insurance
• Motor vehicle insurance
• Property insurance
• Micro insurance
• Sharia insurance

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Technology or R&D, Others

Revenue model

1. Insurance Premium Revenue: ACA generates revenue through insurance premiums paid by policyholders across its various product lines including property, motor, travel, health, micro insurance, and corporate insurance. Premiums are collected annually or per coverage period.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels6 records

Core offering

PT Asuransi Central Asia (ACA Insurance) is an Indonesian general insurance company that underwrites and distributes a broad portfolio of insurance products across property, motor vehicle, engineering, marine cargo, health, travel, personal accident, and micro-insurance lines, offered through both conventional and Sharia (takaful) units. Products are sold directly through a nationwide branch network, via the MITRACA agent platform, and through partnerships with retailers (Alfamart), pawnshops (Pegadaian), and e-commerce channels, with claims supported by a 24-hour hotline and a partner workshop and hospital network.

Product overview

ACA Insurance (PT Asuransi Central Asia) operates as a comprehensive general insurance company offering a broad portfolio of insurance products across multiple categories. The product portfolio includes vehicle insurance (Otomate with replacement car service), property insurance (ASRI fire-plus, fire insurance, theft, earthquake), health insurance (Medi+ group health), life and accident micro-insurance products (Warisanku, AsuransiKu, Mikro Perjalanan, RumahKu, Demam Berdarah, Stop Usaha), travel insurance (New Travel Safe, Labbaik for Hajj/Umrah), commercial insurance (D&O liability, construction, hull, marine cargo, trade credit), and Sharia-compliant insurance products (PA Amanah Syariah, Labbaik). The company serves both individual and corporate clients through conventional and Islamic (Syariah) product lines, with micro-insurance products designed for low-income segments at affordable premiums starting from Rp 30,000 per year.

Differentiator

Problem solved

Functional benefit

Brands

• Otomate: Vehicle/motor insurance product with replacement car feature and multiple coverage tiers.
• PA Amanah Syariah
• Travel Safe / New Travel Safe
• Labbaik
• ASRI (Asuransi Rumah Idaman)
• RumahKu
• Warisanku
• Asuransiku
• Medi+
• Wellwoman
• Asuransi Mikro Perjalanan
• MITRACA

Products and services

• Asuransi Kendaraan Bermotor (Otomate)
• Asuransi Rumah Idaman (ASRI) Comprehensive home/property insurance for homeowners covering fire, lightning, explosion, aircraft crash, smoke, riots, burglary, terrorism, natural disasters, and third-party liability, with premiums calculated as Sum Insured x Rate.
• Asuransi Kebakaran Fire insurance covering losses from fire and related perils, available for residential and commercial property owners.
• Asuransi Pencurian & Pembongkaran Theft and burglary insurance covering robbery and break-in risks for residential and commercial property owners.
• Asuransi Semua Risiko Properti/Industri All-risk property and industrial insurance covering comprehensive perils for commercial and industrial property customers.
• Asuransi Gempa Bumi Indonesia Specialized earthquake insurance for property owners in Indonesia covering earthquake-related property damage.
• New Travel Safe Conventional travel insurance providing coverage for travelers against travel-related risks including medical emergencies and trip disruptions.
• Labbaik (Asuransi Haji dan Umroh) Sharia-compliant travel insurance for Indonesian Hajj and Umrah pilgrims covering medical, baggage loss, evacuation, repatriation, and trip cancellation.
• Asuransi Medi+ Group health insurance for companies, foundations, and institutions with a minimum of 25 employees, covering inpatient, outpatient, dental, and maternity benefits with cashless claims via the AdMedika network.
• Asuransi Warisanku Micro life insurance for individuals aged 1-70 providing death benefit of up to Rp 10,000,000 (accidental) and Rp 500,000 (illness) plus funeral allowance, at an annual premium of Rp 40,000.
• AsuransiKu Personal accident micro insurance for individuals aged 17-65, sold exclusively through Pegadaian pawnshop outlets, covering death and permanent disability for an annual premium of Rp 50,000.
• Asuransi Mikro Perjalanan Micro travel insurance sold exclusively through partner e-commerce platforms, covering accidental death, medical treatment, home fire damage, and travel delays for individuals aged 1-65 on a pay-as-you-go basis.
• Asuransi RumahKu Affordable micro home insurance for low-income households providing Rp 5,000,000 benefit for fire, gas explosion, lightning, aircraft crash, and smoke damage at an annual premium of Rp 30,000.
• Asuransi D & O (Directors & Officers) Directors and Officers liability insurance for corporate leadership, protecting company executives against claims arising from management decisions and actions.
• Asuransi Konstruksi / Rekayasa Construction and engineering insurance for contractors and project owners covering risks associated with buildings, infrastructure, and engineering works.
• Asuransi Rangka Kapal Hull insurance covering physical damage to ship frames and maritime vessel structures for ship owners and operators.
• Asuransi Pengangkutan (Marine Cargo) Marine cargo insurance covering goods in transit during transportation for shippers, importers, exporters, and logistics operators.
• Asuransi Kredit Perdagangan Trade credit insurance for businesses protecting against buyer non-payment and accounts receivable default.
• Asuransi Dana Gempa Earthquake fund insurance providing financial coverage for earthquake-related property and asset losses.
• Asuransi Dana Rumah Home fund insurance providing financial coverage for risks related to residential property damage.
• Asuransi Demam Berdarah Specialized health insurance covering medical expenses for dengue fever treatment, targeted at individuals and families in dengue-prone areas.
• Asuransi Stop Usaha Gempa Tsunami Micro business interruption insurance for small businesses covering income loss from earthquake and tsunami-related business cessation at an annual premium of Rp 40,000.
• Asuransi Stop Usaha Erupsi Micro business interruption insurance for small businesses covering income loss from volcanic eruption-related business cessation.
• Asuransi Kecelakaan Diri Personal accident insurance for individuals providing coverage for accident-related injuries, disability, and death.
• PA Amanah Syariah Sharia-compliant personal accident insurance under ACA's takaful unit, structured according to Islamic insurance principles.

Quantifiable outcome

• Claim payment within 10 working days after complete documents received
• +3 more outcomes

Named customers2 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

Feature3 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• APTRINDO (Asosiasi Pengusaha Truk Indonesia)minorGTM or Marketing Partner · 21 May 2026ACA supports Munas III APTRINDO 2026 (Indonesian Truck Entrepreneurs Association National Meeting) as part of its commitment to strengthening national logistics and transportation ecosystem through risk protection solutions.
• Universitas Gadjah Mada (UGM)minorGTM or Marketing Partner · 31 July 2017ACA received visits from approximately 60 statistics students from UGM who learned about the application of statistics in the insurance industry. Visit included company profile introduction and department tours.
• PT PegadaianminorGTM or Marketing Partner · 29 July 2017ACA and PT Pegadaian jointly provided assistance to SMP 4 Padang, including 51 home insurance policies with total coverage of Rp 255 million for school staff, as part of their CSR program.
• Busan Auto FinanceminorGTM or Marketing Partner · 21 April 2017ACA collaborated with Busan Auto Finance to conduct financial literacy and insurance education seminars for Busan's best customers in Makassar (April 2017), covering risk management, insurance definitions, and insurance benefits.
• Alfamart (Mitra Outlet Binaan)coreChannel Partner/ Reseller/ DistributorACA partners with Alfamart's trained outlet partners (Mitra Outlet Binaan Alfamart) to provide real insurance claim payments that help small business owners recover from asset damage. ACA announced in June 2026 that it provides tangible protection for UMKM through claim payments to Alfamart's trained outlet partners.
• PT PegadaiancoreChannel Partner/ Reseller/ DistributorAsuransiku micro personal accident insurance is distributed exclusively through PT Pegadaian (Indonesia's state-owned pawnshop) outlets. Customers purchase Asuransiku at Pegadaian locations with coverage of Rp 50,000 per year.
• OJK (Otoritas Jasa Keuangan)coreStrategic or Co-development PartnerACA collaborates with OJK (Financial Services Authority) on multiple initiatives including the SiMOLEK mobile financial literacy program and FinExpo national financial inclusion events, supporting financial literacy across Indonesia.
• MITRACA (mitraca.co.id)coreChannel Partner/ Reseller/ DistributorMITRACA is ACA's dedicated agent/career platform (www.mitraca.co.id) offering career advancement, commissions, facilities, and training for individuals joining ACA as insurance agents.
• Asuransi AdMedika (AdMedika)coreTechnology or IntegrationACA AdMedika provides the cashless claim network for ACA's Medi+ group health insurance product, allowing policyholders to claim without upfront payment at AdMedika network hospitals.
• Kidzania JakartaminorGTM or Marketing PartnerACA partnered with Kidzania Jakarta in November 2019 to deliver financial literacy education to 50 children from Yayasan Attaubah Hanani Ulfa through theater performances and creative activities, introducing products like dengue fever insurance, ASRI, and personal accident insurance.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Asuransi Tokio Marine Indonesia: Indonesian general insurer owned by Japan's Tokio Marine, offering property, motor, marine cargo, and engineering insurance. Directly competes in ACA's commercial and corporate lines with stronger international reinsurance backing.
• Asuransi Astra (PT Asuransi Astra Buana): One of Indonesia's largest general insurers under the Astra Group, offering motor, property, health, and commercial lines. Direct competitor with overlapping product breadth, similarly large Indonesian branch network, and strong automotive OEM/agent distribution model.
• Asuransi Sompo Indonesia: Indonesia unit of Japan's Sompo Japan Nipponkoa, offering property, motor, marine cargo, and engineering insurance. Directly comparable mid-large carrier competing for ACA's commercial and SME segments.
• Asuransi Chubb Indonesia: PT Chubb Insurance Indonesia, subsidiary of global Chubb, providing property, casualty, marine, and personal lines. Comparable commercial and high-net-worth individual focus; competes for corporate accounts alongside ACA.
• Asuransi Tugu Pratama Indonesia: State-owned Indonesian general insurer providing motor, property, marine cargo, engineering, and oil-and-gas insurance. Competes head-to-head with ACA in corporate and infrastructure insurance, particularly engineering and construction coverage.
• Asuransi Adira Dinamika: Indonesian general insurer affiliated with Bank Danamon and the Adira auto finance ecosystem, offering motor and consumer insurance products. Directly comparable to ACA's Otomate motor book with a captive auto-finance distribution model.
• Asuransi MSIG Indonesia: Indonesian general insurer backed by Japan's MS&AD Insurance Group, covering property, motor, marine cargo, and liability. Comparable mid-to-large carrier with similar multi-line product footprint and corporate client focus.
• Asuransi Allianz Utama Indonesia: General insurance arm of Allianz in Indonesia, offering property, motor, health, and travel insurance. Competes in ACA's Medi+ and personal lines with globally recognized brand and bancassurance strengths.
• Asuransi Sinar Mas (PT Asuransi Sinar Mas): Major Indonesian general insurer affiliated with Sinar Mas Group, providing motor, property, fire, marine cargo, and personal accident cover. Comparable to ACA in multi-line breadth and reliance on bancassurance and corporate distribution.

Others

• Otoritas Jasa Keuangan (OJK) - regulatory peer lens: Not a competitor but Indonesia's financial services regulator that licenses, supervises, and develops the insurance industry through SiMOLEK and FinExpo. Included to highlight ACA's regulator-embedded financial literacy platform which is rare among Indonesian insurers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/acaasuransi
• YouTubeyoutube.com/user/asuransicentralasia
• Facebookfacebook.com/acaasuransi
• Instagraminstagram.com/acainsurance
• LinkedInlinkedin.com/company/pt-asuransi-central-asia

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 ACA Insurance