Asosiasi Asuransi Umum Indonesia

What Asosiasi Asuransi Umum Indonesia does

Asosiasi Asuransi Umum Indonesia (AAUI) is the sole officially recognized non-profit industry association for general insurance and reinsurance companies in Indonesia, established on January 22, 2002, through the 10th Congress of Dewan Asuransi Indonesia (DAI), with its founding deed registered on June 21, 2002. Operating under a statutory mandate from UU No. 40 Tahun 2014 Pasal 68-69, AAUI represents 80 member companies (70 general insurers, 8 reinsurers, and 2 extraordinary members) distributed across 31 branches nationwide, with its secretariat headquartered at the Permata Kuningan Building in Jakarta since January 2012.

AAUI's core product portfolio comprises standardized insurance policy templates (Polis Standar AAUI) covering 19+ product lines including property, motor, marine, engineering, and specialty risks (RUMAHKU, WARISANKU, STOP USAHA, APPIK, PSAKBI, BURGLARY, CAR, CIS, CIT, etc.), plus translated foreign policy templates for international standard adoption. Its service stack includes competency-based agent certification through its wholly-owned subsidiary LSP AAUI, quarterly and annual industry analysis reports dating from 2020 to Q1 2026, a comprehensive regulatory database covering POJK/SEOJK/PP/UU references, and digital member infrastructure (agent.aaui.or.id, paydi.aaui.or.id, aaui.care.co.id). AAUI also operates the annual Indonesia Rendezvous international conference, the AAUI Cup sports event, CSR and disaster relief programs, and extensive training initiatives for underwriting, actuarial, finance, IT, and claims professionals.

The association's business model is non-commercial: revenue consists exclusively of statutory membership dues (initial fees plus annual base and tiered contributions determined at the general members' meeting), with no external pricing of products or services. AAUI's core function is regulatory interface and self-governance, acting as OJK's official working partner for industry supervision, agent licensing, and policy standardization, while delivering collective representation, training, market data, and international networking to its member ecosystem.

Name

Asosiasi Asuransi Umum Indonesia

Legal name

Asosiasi Asuransi Umum Indonesia

Website

https://aaui.or.id

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Short description

AAUI is the statutory non-profit industry association representing Indonesia's 80 general insurance and reinsurance companies, providing policy standardization, agent certification through LSP AAUI, industry data, training, and acting as the regulatory interface with OJK across 31 branches nationwide.

Ownership category

akta.pro rank

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Others

Revenue model

1. Membership Dues: AAUI is a non-profit organization (nirlaba). Financial resources come from membership dues consisting of initial fees for new members and annual dues comprising base contributions and tiered contributions from members, with amounts determined at the general members' meeting. Revenue is non-commercial, being contributions from member insurance and reinsurance companies rather than product sales.

Distribution channels3 records

Marketing channels7 records

Core offering

Asosiasi Asuransi Umum Indonesia (AAUI) is a non-profit industry association that represents and supports 80 general insurance and reinsurance companies operating in Indonesia. It provides standardized insurance policy templates across 19+ product lines, competency-based agent certification through LSP AAUI, quarterly and annual industry analysis reports, a comprehensive insurance regulations database, digital member portals, and acts as the official liaison with financial regulators (OJK, BSSN, PPATK, LPS). AAUI operates 31 branches across Indonesia and organizes the annual Indonesia Rendezvous international insurance conference.

Product overview

Asosiasi Asuransi Umum Indonesia (AAUI) is an insurance association serving 80 member companies (70 general insurance companies and 8 reinsurance companies plus 2 extraordinary members) across Indonesia. Rather than a single unified product, AAUI offers a portfolio of services including: (1) Standard insurance policy templates (Polis Standar AAUI) covering property, motor, marine, engineering, and specialty lines; (2) Foreign policy translations for international standards adoption; (3) Quarterly and annual industry analysis reports; (4) Insurance agent certification programs through LSP AAUI; (5) Comprehensive regulatory databases (POJK, SEOJK, PP, UU); (6) Online member portal (Paydi Area); and (7) Annual events including Indonesia Rendezvous conference and AAUI Cup sports event. The organization acts as a coordinating body for the Indonesian general insurance industry, facilitating standardization, training, regulatory compliance, and professional development.

Differentiator

Problem solved

Functional benefit

Products and services

• Polis Standar AAUI (Standard Insurance Policies) Standardized insurance policy templates covering 19+ product lines including RUMAHKU (home insurance), WARISANKU (inheritance insurance), STOP USAHA ERUPSI (business interruption due to eruption), STOP USAHA GEMPA TSUNAMI, APPIK, PSAGBI, PSAKI, PSAKDI, PSATSI, PSAKBI, BURGLARY, CAR, CIS, CIT, PSATBI, PSAPBI, EQII, and SURETY BOND, used by member insurance companies across Indonesia.
• Polis Asing Terjemahan (Foreign Policy Translations) Translated foreign insurance policy templates including Marine Cargo Policy, ICC A/B/C, Institute Cargo Clauses (Air), Institute Strikes/War Clauses, Institute Malicious Damage, Theft Pilferage & Non Delivery, CAR, EAR, MB, CPM, EEI, and Cyber Attack Exclusion Clauses for international standards adoption in Indonesia.
• Analisa Industri Asuransi & Reasuransi (Industry Analysis Reports) Quarterly and annual industry analysis reports covering insurance and reinsurance sectors in Indonesia, including market data, performance metrics, and trend analysis covering Q1 2020 through Q1 2026.
• Sertifikasi Agen Asuransi Umum (Insurance Agent Certification) Competency-based certification programs for general insurance agents delivered through LSP AAUI (Lembaga Sertifikasi Profesi), including refreshment training and PIC/Admin company socialization for certification processes.
• Koleksi Peraturan Asuransi (Insurance Regulations Collection) Comprehensive database of insurance regulations including POJK (OJK Regulations), SEOJK (OJK Circular Letters), PP (Government Regulations), and UU (Laws) covering consumer protection, risk management, corporate governance, and insurance operations.
• AAUI Paydi Area Portal Online portal system for AAUI members to access services, manage insurance agent data, and conduct business operations related to insurance distribution.
• Indonesia Rendezvous Annual Insurance Conference Annual international insurance and reinsurance conference organized by AAUI; the 29th edition held in October 2025 focused on 'Empowering Trust: Connecting the World of Insurance and Reinsurance' with themes on digitalization and ESG.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core, minor and strategic.

• OJK (Otoritas Jasa Keuangan)coreStrategic or Co-development Partner · 4 May 2026AAUI operates as an official working partner of OJK in the supervision and regulation of general insurance. Under UU No. 40 Tahun 2014 Pasal 69, OJK can assign or delegate specific authorities to AAUI for the regulation and supervision of insurance businesses. AAUI participates in key regulatory initiatives including QR Code implementation for broker STTD verification, insurance literacy programs, LPBBTI ecosystem support, and policyholder protection scheme (PPP) development with LPS. The relationship is ongoing and institutionalized through statutory mandate.
• Lions Club Indonesia Metteya Mahardhika, Metteya Diamond, Leo Club Victory Legacy, JCI, HOPE, RS Heartology, KUPASI, BiotechminorOthers · 4 May 2026AAUI partnered with eight organizations for its 'AAUI Peduli – Give Blood, Save Lives' CSR health program. Leo Club Victory Legacy also contributed toys, books, and children's clothing for Sumatra disaster relief. JCI (Junior Chamber International) participated in the blood donation program. The collaboration demonstrates cross-sector community engagement for health and disaster response initiatives.
• KKP (Kementerian Kelautan dan Perikanan) and UNDPstrategicStrategic or Co-development Partner · 10 April 2026AAUI participated in a roundtable on 'Insurance for Nature and Biodiversity' organized by KKP and UNDP, alongside KKLHK, OJK, insurance associations, and conservation organizations. The discussion explored how insurance products can support protection of nature and biodiversity, with AAUI represented by Executive Director Cipto Hartono.
• PT Lippo General Insurance Tbk (LGI)minorOthers · 6 March 2026PT Lippo General Insurance contributed Rp40 million in disaster relief donations for Sumatra flood and landslide victims, channeled through AAUI's disaster relief distribution network.
• Rudiyanto (Panin Asset Management), Dr. Ruben Damanik (MAIPARK), Diana Novita Susanto (PT Trias Mitra Java Manunggal)minorStrategic or Co-development Partner · 6 February 2026AAUI's FAT (Finance, Accounting, and Tax) Gathering 2025 featured expert speakers on Investment Outlook & MSCI, Economic Capital, and PSAK 117 Engine. These knowledge partnerships enhance professional development for finance, accounting, and tax practitioners within AAUI member companies.
• OJK DIY (Otoritas Jasa Keuangan Daerah Istimewa Yogyakarta)coreStrategic or Co-development Partner · 8 January 2026AAUI partnered with OJK DIY for its HR Networking 2025 seminar held at the OJK DIY office in Yogyakarta. Keynote speeches were delivered by the Head of OJK DIY and AAUI Chairman Budi Herawan, with sessions from expert speakers from PT Jasa Raharja, Vale Indonesia, and Maybank. This partnership supports capacity building for HR professionals across the Indonesian insurance industry.
• LPS (Lembaga Penjamin Simpanan)coreStrategic or Co-development Partner · 7 January 2026AAUI participates in LPS's strategic coordination meetings on 'Pembahasan Isu Kritikal dan Program Kerja NK LPS-Asosiasi Asuransi Tahun 2026' alongside AAJI, AASI, and AAMAI. The collaboration addresses the upcoming Policy Guarantee Program (PPP) activation in 2028 under UU No. 4/2023, covering five critical issues: participation, business lines, guarantee limits, contribution mechanisms, and resolution options for insurance companies. Joint work programs include technical guidance (bimtek), socialization, PPP registration processes, and industry risk mapping.
• BSSN (Badan Siber dan Sandi Negara)coreStrategic or Co-development Partner · 16 December 2025BSSN and AAUI collaborate on cybersecurity resilience for the insurance sector. BSSN delivered the 'Profil Risiko Siber Sektor Perasuransian Indonesia 2025' report to AAUI, containing comprehensive cybersecurity risk mapping and assessments. BSSN advocates for the establishment of a Cybersecurity Incident Response Team (TTIS) within the insurance sector and promotes the IPDRR framework (Identification, Protection, Detection, Response, Recovery) for cybersecurity management across insurance companies.
• LPBBTI (Layanan Pendanaan Bersama Berbasis Teknologi Informasi) EcosystemstrategicStrategic or Co-development Partner · 16 December 2025OJK launched an Insurance Support Program for LPBBTI ecosystem strengthening, with AAUI participating as a speaker on 'Implementation of Good Corporate Governance (GCG) in LPBBTI Credit Insurance.' AAUI shares expertise on GCG application for credit insurance products supporting the fintech lending ecosystem.
• PPATK (Pusat Pelaporan dan Analisis Transaksi Keuangan)coreStrategic or Co-development Partner · 13 November 2025AAUI collaborates with PPATK on Anti-Money Laundering and Counter-Terrorist Financing (APU PPT) in the insurance sector. AAUI participates in PPATK's FGD sessions on 'Optimalisasi Kewajiban Pelaporan dan Evaluasi Kualitas Laporan melalui goAML', with Executive Director Cipto Hartono representing AAUI. Key focus areas include KYC (Know Your Customer) implementation and effective APU PPT risk management across all insurance business lines.
• OJK, AAJI (Asosiasi Asuransi Jiwa Indonesia), AASI (Asosiasi Asuransi Syariah Indonesia)coreStrategic or Co-development PartnerAAUI participates in multi-association literacy initiatives alongside AAJI and AASI, coordinated by OJK. AAUI represented by Executive Director Cipto Hartono delivered insurance literacy content at Universitas Jember, emphasizing insurance as a risk mitigation instrument and building financial resilience awareness among university students.
• Leo Club Victory LegacyminorOthersLeo Club Victory Legacy provided donations of toys, books, and children's clothing for Sumatra disaster relief, contributing to AAUI's humanitarian response alongside corporate donors.
• DAI (Dewan Asuransi Indonesia)coreStrategic or Co-development PartnerAAUI was established by DAI in 2002 and maintains a close parent-organizational relationship. DAI organized the Halal Bihalal Industri Perasuransian Indonesia 1447H event attended by AAUI, and AAUI participates in DAI-coordinated events including Hari Asuransi. DAI Congress decisions serve as the constitutional basis for AAUI's existence and governance.

Scale indicators9 records

Recent moves7 records

Expansion highlights5 records

Regional players

• General Insurance Association of Singapore (GIA): The national trade body for general insurers in Singapore, covering motor, property, marine, and specialty lines. GIA is the most operationally comparable regional trade body to AAUI in Southeast Asia, with equivalent industry standardization and regulator-liaison roles.

Broad incumbents

• National Association of Insurance Commissioners (NAIC): The US state-level insurance regulatory body that also performs industry data collection, model law drafting, and accreditation. NAIC is comparable to the regulatory-adjacent functions AAUI performs under delegation from OJK (standard-setting, certification, market conduct support), though at vastly greater scale.
• Property Casualty Insurers Association of America (PCI): The US trade body for property and casualty insurers, advocating on regulatory, legislative, and litigation matters. PCI is the global gold-standard comparator for a P&C-only industry association the size and scope of AAUI.
• Insurance Europe: The Pan-European insurance and reinsurance federation representing insurers across all lines at the EU level. Insurance Europe mirrors AAUI's role of representing carrier interests to regional regulators, but at the supranational European level with a much larger combined industry footprint.

Direct peers

• Reinsurance Association of America (RAA): The US trade association dedicated to the reinsurance industry, providing education, advocacy, and regulatory engagement for reinsurers. RAA mirrors AAUI's reinsurance-specific mandate across its 8 Indonesian reinsurer members, in the largest reinsurance market globally.
• AASI (Asosiasi Asuransi Syariah Indonesia): The Indonesian sharia insurance industry association, formally operating alongside AAUI and AAJI under OJK's multi-association framework. AASI mirrors AAUI's mandate for takaful operators and shares platforms for joint literacy and regulatory coordination.
• AAJI (Asosiasi Asuransi Jiwa Indonesia): The official Indonesian life insurance industry association, parallel to AAUI in structure, statutory mandate, and role as OJK's liaison for life insurance. AAUI and AAJI jointly run multi-association literacy and other initiatives, making AAJI the closest functional peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=cwkhwO_rPuo
• Xx.com/aaui_id
• Facebookfacebook.com/AAUI.ID
• LinkedInlinkedin.com/company/aaui

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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Frequently asked questions about Asosiasi Asuransi Umum Indonesia