Jasa Raharja

What Jasa Raharja does

PT Jasa Raharja is an Indonesian state-owned social insurance company (Badan Usaha Milik Negara) founded in 1960 and currently operating under Danantara Indonesia, having previously been housed under the Indonesia Financial Group (IFG). It is mandated by UU No.33 and UU No.34 Tahun 1964 to serve as the first guarantor for victims of road traffic accidents and passengers of public transportation, funded through five statutory mandatory contributions (SWDKLLJ, IWKBU, IWPU, IWKA, IWKL) collected via Samsat vehicle registration and from transport operators. The company's core products are insurance payouts (Rp50 million death benefit and up to Rp20 million medical coverage per victim) delivered through a hybrid physical-digital infrastructure comprising 29 Regional Offices, 63 Branch Offices, 31 Service Offices, the JRku consumer mobile app, and the JRCare hospital integration platform connected to 2,841 partner hospitals for real-time guarantee letter processing. Additional internal systems include the SIMR risk management information system, an integrated Coordination of Benefit application with BPJS Ketenagakerjaan, a Whistleblowing System, and an e-Procurement portal.

The business model is non-voluntary and statutory: revenue derives from mandatory contributions tied to Indonesia's vehicle fleet and commercial transport operators, with no pricing discretion. Compensation disbursement reached Rp1.22 trillion to 55,617 victims in January–May 2026, and processing efficiency has improved to averages of approximately 1 day 5 hours for death compensation and 4 days 8 hours for guarantee letter issuance. Customer concentration is structurally low because the contribution and beneficiary base spans the entire Indonesian vehicle fleet and public transport ridership; key institutional partners include Korlantas Polri, the Ministry of Transportation, the Ministry of Manpower, and BPJS Ketenagakerjaan. A wholly-owned subsidiary, PT Jasaraharja Putera, operates in adjacent commercial insurance services, and a 2024 cooperation agreement was signed to increase collaboration and revenue between the two entities.

Name

Jasa Raharja

Legal name

PT Jasa Raharja (Perusahaan Persero)

Website

https://jasaraharja.co.id

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

251–500 employees

Short description

PT Jasa Raharja is an Indonesian state-owned social insurance company mandated by law to provide compulsory accident coverage for road traffic victims and public transportation passengers, funded via statutory contributions and delivered through a nationwide office and hospital network.

Ownership category

akta.pro rank

Product category

Social Accident Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)

akta.pro primary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

akta.pro secondary industries

Travel & Accident (Non-Life) Insurance (FSAJAMAN), Commercial Auto & Fleet Liability Insurance (Primary) (TLABANAA)

Keywords

• Social accident insurance
• Public transport passenger insurance
• Traffic accident compensation
• Third-party liability coverage
• Mandatory vehicle contributions

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Mandatory Contributions - SWDKLLJ: Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan (Mandatory Contribution for Road Traffic Accident Fund) collected through vehicle registration at Samsat. This is a statutory contribution from vehicle owners based on UU No.33 Tahun 1964.
2. Mandatory Contributions - IWKBU: Iuran Wajib Kendaraan Bermotor Umum (Mandatory Contribution for Public Motor Vehicles) collected from commercial vehicle operators based on UU No.34 Tahun 1964.
3. Mandatory Contributions - IWPU: Iuran Wajib Pesawat Udara (Mandatory Contribution for Aircraft) collected from airline operators for passenger accident protection.
4. Mandatory Contributions - IWKA: Iuran Wajib Kereta Api (Mandatory Contribution for Railways) collected from railway operators for passenger accident protection.
5. Mandatory Contributions - IWKL: Iuran Wajib Kapal Laut (Mandatory Contribution for Sea Vessels) collected from shipping operators for passenger accident protection.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Jasa Raharja is the Indonesian mandated first guarantor for traffic accident victims and public transportation passengers, providing statutory social insurance under UU No. 33 and No. 34 of 1964. Its core products are mandatory passenger accident insurance (covering buses, trains, aircraft and ships) and third-party liability insurance for road traffic accidents, funded by SWDKLLJ and IWKBU/IWPU/IWKA/IWKL mandatory contributions. Payouts (Rp50 million for death, up to Rp20 million for medical treatment) are processed through a 29-office nationwide network, the JRku mobile app, and the JRCare platform integrated with 2,841 partner hospitals.

Product overview

Jasa Raharja operates as a single-platform social insurance provider offering mandatory accident protection services mandated under Indonesian Law No. 33 and 34 of 1964. The core offering comprises two statutory insurance programs — passenger accident insurance for public transportation and third-party liability insurance for road traffic accidents — delivered primarily through a digital service ecosystem. The main client-facing product is the JRku mobile application, which provides policyholders and accident victims direct access to compensation filing, accident reporting (Lapor Laka), and claim tracking. Supporting this is the JRCare application, which integrates hospital information systems to enable real-time guarantee letter processing for injured victims. An integrated application with BPJS Ketenagakerjaan enables coordinated benefit (CoB) processing for workers injured in traffic accidents during work-related travel. The company also operates internal digital systems including a Risk Management Information System (SIMR), Whistleblowing System (WBS), and e-Procurement portal.

Differentiator

Problem solved

Functional benefit

Brands

• JRku: Digital mobile application for service access, complaint filing, and accident reporting - part of company's digital transformation initiative
• JRCare
• JASMIN

Products and services

• Mandatory Passenger Accident Insurance (Public Transportation) Statutory accident insurance covering passengers of public transportation (bus, train, aircraft, sea vessels), funded by mandatory contributions (IWKBU, IWPU, IWKA, IWKL) from transport operators and providing statutory compensation to victims and heirs.
• Third-Party Liability Traffic Accident Insurance Statutory third-party liability insurance for victims of road traffic accidents outside the causing vehicle, funded by SWDKLLJ (Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan) contributions collected through Samsat vehicle registration, with payment of Rp50 million per fatal victim and up to Rp20 million medical treatment coverage per injured victim.
• JRku Mobile Application Digital mobile application providing direct public access to Jasa Raharja services — including the Lapor Laka (Accident Report) feature for community-accident reporting, claim status tracking, and information access — available to policyholders, accident victims and the general public in Indonesia (iOS and Android).
• JRCare Hospital Integration Platform Digital hospital integration platform that connects 2,841 partner hospitals to Jasa Raharja for real-time patient verification and guarantee letter issuance, enabling medical treatment for injured victims without administrative delays.

Quantifiable outcome

• Rp1.22 trillion disbursed to 55,617 victims in January-May 2026
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability3 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• BPJS KetenagakerjaancoreTechnology or Integration · 25 May 2026Integration of service applications between Jasa Raharja and BPJS Ketenagakerjaan for coordinated work accident and traffic accident claim processing. Enables seamless Coordination of Benefit (CoB) for workers experiencing traffic accidents during commute or work-related travel. Launch held at RS Primaya Karawang with CEOs of both institutions.
• Korlantas Polri (Indonesian National Police Traffic Corps)coreStrategic or Co-development PartnerLong-standing collaboration on traffic safety including joint operations (Ops Lilin for year-end holidays, Ops Ketupat for Eid), accident data integration through IRSMS system, safety campaigns, and community engagement programs like Polantas Menyapa.
• Kementerian Perhubungan (Ministry of Transportation)coreStrategic or Co-development PartnerCollaboration on transportation safety programs, regulatory alignment, and public transportation passenger protection initiatives.
• PMI (Palang Merah Indonesia / Indonesian Red Cross)minorStrategic or Co-development PartnerBlood donation drives organized jointly, such as the blood donation event for Jakarta's 499th Anniversary at Jasa Raharja Head Office.
• BNN Provinsi DKI Jakarta (National Narcotics Agency)minorStrategic or Co-development PartnerP4GN (Pencegahan dan Pemberantasan Penyalahgunaan dan Peredaran Gelap Narkotika) socialization program to maintain drug-free workplace environment.
• Kementerian Ketenagakerjaan (Ministry of Manpower)coreStrategic or Co-development PartnerCollaboration to promote worker safety and traffic compliance. Minister of Manpower witnessed PKB signing and delivered three strategic agendas: maintain service quality, accelerate digital transformation, strengthen preventive and promotive role in traffic safety culture.
• Poltrada BaliminorStrategic or Co-development PartnerVisit to strengthen synergy in transportation safety through regulatory strengthening, risk management, and accident mitigation. Joint efforts to develop competent transportation human resources with safety orientation.
• Serikat Pekerja Jasa Raharja (SPJR)coreStrategic or Co-development PartnerLabor union representing company employees. Signed PKB (Perjanjian Kerja Bersama/Collective Labor Agreement) 2026 witnessed by Minister of Manpower, establishing collaborative industrial relations framework.
• 2,841 Partner HospitalscoreTechnology or IntegrationHospitals integrated with JRCare system for real-time guarantee letter processing, enabling immediate medical treatment for accident victims without administrative delays.
• Komunitas Pengemudi Online (Online Driver Communities)minorStrategic or Co-development PartnerCommunities including Gojek, Grab, Maxim, inDrive, Xanh SM, and Bluebird Group engaged in traffic safety discussions and first responder training for accident reporting through JRku app.

Scale indicators11 records

Recent moves2 records

Expansion highlights6 records

Direct peers

• BPJS Ketenagakerjaan: Indonesia's primary social security agency for workers (formerly Jamsostek). Comparable as a fellow Indonesian mandated social insurance provider; the May 2026 Jasa Raharja-BPJS Ketenagakerjaan CoB integration creates a direct operational link between the two schemes.
• BPJS Kesehatan: Indonesia's national health insurance administrator covering medical benefits nationwide. Directly comparable as a state-mandated social insurance scheme within the same Indonesian government ecosystem, often involved in joint processing for accident victims.
• PT Jasaraharja Putera: Wholly-owned commercial insurance subsidiary of PT Jasa Raharja, established 2015. Operates in adjacent general insurance lines under the same parent, with a 2024 cooperation agreement to expand collaboration with the parent company.

Regional players

• Insurance Corporation of British Columbia (ICBC): Crown corporation providing universal mandatory basic and optional auto insurance in British Columbia, Canada. Comparable as a government-mandated monopoly auto insurance scheme with regulated rates, basic and optional coverage, and integration of claims, driver licensing, and vehicle registration.
• Transport Accident Commission (TAC Victoria): Victorian (Australia) state-owned statutory scheme providing compensation for transport accident victims. Closely comparable operating model (mandated no-fault transport accident compensation delivered through a statutory authority) although serving a different geographic market.

Emerging players

• PT Asuransi Jasa Indonesia (Jasindo): State-owned general insurance company in the IFG/Danantara ecosystem offering commercial property and motor insurance. Comparable as a fellow Indonesian BUMN insurer focused on P&C coverage, although focused on voluntary rather than mandated insurance.
• PT Asuransi Kredit Indonesia (Askrindo): State-owned credit and guarantee insurance company within the IFG/Danantara holding. Comparable as a fellow mandated/statutory insurance provider operating under Indonesian state ownership with similar regulatory and oversight structures.

Others

• General Insurance Association of Indonesia (AAUI): Industry association representing Indonesian general insurers. Relevant as ecosystem counterpart overseeing competitive P&C insurers that operate alongside Jasa Raharja's mandated book in the broader Indonesian motor and casualty insurance market.
• Motor Insurers' Bureau of Ireland: Not-for-profit organization in Ireland that compensates victims of accidents caused by uninsured or hit-and-run drivers. Comparable as a third-party liability compensation body addressing a similar problem (gap in coverage for traffic accident victims) although operating through industry-funded guarantees rather than direct underwriting.

Broad incumbents

• Indonesia Financial Group (IFG): Holding company for Indonesia's state-owned insurance and financial services assets. Previously the parent of Jasa Raharja before the 2023 Danantara restructuring; provides comparable institutional context on how state-mandated insurance businesses are structured and overseen in Indonesia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/pt_jasaraharja
• Facebookfacebook.com/JasaRaharja
• Instagraminstagram.com/pt_jasaraharja
• TikToktiktok.com/@jasaraharja.official

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles18 records

Subsidiaries1 record

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 Jasa Raharja