Asabri
PT ASABRI (Persero) is an Indonesian state-owned enterprise that manages mandatory social insurance — old-age savings, work accident, death, and pension — for the country's military, police, and defense/police civil servants, operating through 33 branch offices and 340+ partner hospitals nationwide.
- Company typePrivate
- Founded1971
- HeadquartersJakarta, Indonesia
- Headcount251–500
- GTM typeB2C
- OfferingServices
What Asabri does
PT ASABRI (Persero) is an Indonesian state-owned enterprise (BUMN) established on August 1, 1971, mandated by Government Regulation PP 102/2015 and PP 54/2020 to manage mandatory social insurance for the Indonesian military (TNI), National Police (Polri), and civil servants at the Ministry of Defense and Police (ASN Kemhan/Polri). The company administers four core programs: Tabungan Hari Tua (THT) for old-age savings, Jaminan Kecelakaan Kerja (JKK) for work accident coverage, Jaminan Kematian (JKm) for death benefits, and Jaminan Pensiun (JP) for pensions. Supplements include PUM KPR interest-free housing loans, Pinjaman Polis policy loans, Taspen Dwiguna Sejahtera, Taspen Proteksi Beasiswa, and a diagnostic partnership with Prodia.
The underlying technology is a social insurance management platform with digital service channels (layananonline.asabri.co.id claims portal, eproc.asabri.co.id procurement portal, WhatsApp service lines, a tax form system, and an FAQ self-service portal), supported by a physical network of 33 branch offices across Indonesia, 340+ partner hospitals for JKK claims, and 14+ banking partners for premium collection and benefit disbursement. The company employs a "5T" service quality framework (Tepat Waktu, Tepat Alamat, Tepat Orang, Tepat Jumlah, Tertib Administrasi).
Revenue is generated through mandatory premium contributions rather than commercial sales. THT contributions are 3.25% of monthly income from participants; JKK and JKm are paid by the government employer at 0.41% and 0.67% of monthly base salary respectively. The company is wholly owned by the Government of Indonesia through Series A (Dwiwarna) golden shares and Series B shares held by PT Danantara Asset Management (Persero), with paid-up capital of Rp200 billion. ASABRI is not listed on any public exchange and operates as a captive, mission-driven social insurance provider rather than a commercially competitive insurer.
Asabri firmographics
Firmographics- Name
- Asabri
- Legal name
- PT ASABRI (Persero)
- Website
- https://asabri.co.id
- Company type
- Private
- Founded year
- 1971
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- PT ASABRI (Persero) is an Indonesian state-owned enterprise that manages mandatory social insurance — old-age savings, work accident, death, and pension — for the country's military, police, and defense/police civil servants, operating through 33 branch offices and 340+ partner hospitals nationwide.
- Ownership category
- akta.pro rank
Asabri industry classification
Industry- Product category
- Government Social Insurance
- NAICS
- Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Pension Funds (52511), Health and Welfare Funds (525120)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Social Care & Long-Term Care Benefits Administration (BPAIAKAK)
Keywords
Where Asabri is headquartered
LocationHeadquarters
- HQ city
- Jakarta
- HQ country
- Indonesia
- HQ region
- Asia
Offices33 records
Markets served
Asabri business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Mandatory Social Insurance Premium Contributions (Iuran): ASABRI collects mandatory insurance premiums (iuran) from participants and the government. Participants contribute a percentage of their monthly salary, while the government (as employer) also pays a corresponding contribution. These premiums fund the four main insurance programs: Tabungan Hari Tua (THT), Jaminan Kecelakaan Kerja (JKK), Jaminan Kematian (JKm), and Jaminan Pensiun (JP). THT contribution is 3.25% of monthly income from participants; JKK contribution is 0.41% of monthly base salary paid by employer; JKm contribution is 0.67% of monthly base salary paid by employer.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | PUM KPR (interest-free housing loan advance) varies by rank/grade |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels8 records
Asabri product offering
Product offeringCore offering
PT ASABRI (Persero) is a state-owned social insurance enterprise that manages four mandatory programs — Tabungan Hari Tua (THT) old-age savings, Jaminan Kecelakaan Kerja (JKK) work accident insurance, Jaminan Kematian (JKm) death insurance, and Jaminan Pensiun (JP) pension insurance — for Indonesian military (TNI), police (Polri), and civil servants at the Ministry of Defense and Police. Programs are funded by participant and government premium contributions and supplemented by PUM KPR housing loans, Pinjaman Polis policy loans, and Taspen benefit programs.
Product overview
PT ASABRI (Persero) operates as a government-owned insurance company managing social insurance programs for Indonesian military (TNI), police (Polri), and civil servants (ASN) in the Defense and Police ministries. The company offers a portfolio of four core social insurance programs: Tabungan Hari Tua (THT) for old-age savings, Jaminan Kecelakaan Kerja (JKK) for work accident coverage, Jaminan Kematian (JKm) for death benefits, and Program Pensiun (JP) for pension payments. These are supplemented by additional benefit programs including PUM KPR for housing loans, Pinjaman Polis for policy loans, and Taspen Dwiguna Sejahtera and Taspen Proteksi Beasiswa for enhanced savings and education protection. The programs are administered through a network of branch offices across Indonesia, with participant contributions and government contributions pooled to fund benefits.
Differentiator
Problem solved
Functional benefit
Products and services
- Program Tabungan Hari Tua (THT) A mandatory old-age savings program for military and police personnel that provides cash benefits upon retirement or termination of service, funded by participant and government contributions.
- Program Jaminan Kecelakaan Kerja (JKK) Work accident insurance program providing protection against workplace injuries and occupational diseases during active service, covering medical care, disability benefits, death benefits for line-of-duty casualties, and scholarship assistance.
- Program Jaminan Kematian (JKm) Death insurance program providing benefits to heirs of participants who pass away from non-work-related causes during active service, including lump-sum death benefits, funeral allowances, and scholarship support for beneficiaries.
- Program Jaminan Pensiun (JP) Pension guarantee program that provides monthly pension benefits and cash value of pension contributions to eligible participants upon retirement from active military, police, or civil service.
- PUM KPR (Pinjaman Uang Muka Kredit Pemilikan Rumah) Interest-free housing loan advance program provided to eligible military personnel, police officers, and civil servants to facilitate home ownership, with amounts varying by rank (Rp20 million for Tamtama/ASN Gol I up to Rp40 million for Pati/ASN Gol IV/D-E).
- Pinjaman Polis Policy loan program providing funds to pensioners with loan terms ranging from 12 to 36 months, with maximum borrowing of up to 70% of policy value.
- Program Taspen Dwiguna Sejahtera Dual-purpose prosperity savings program offering combined insurance and savings benefits for ASABRI participants.
- Program Taspen Proteksi Beasiswa Scholarship protection program providing educational financial support for children of deceased participants.
Quantifiable outcome
- Participant Satisfaction Index of 96.03% achieved in 2025
- +2 more outcomes
Companies that use Asabri
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
Asabri technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Asabri partnerships and signals
Strategic signalPartnerships
14 partnerships are on record, tiered core.
- Bank BRIcoreBank BRI serves as a banking partner for ASABRI's premium collection and benefit disbursement services. Participants can pay premiums and receive insurance benefits through Bank BRI's nationwide branch network.
- Bank BNIcoreBank BNI serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank BTNcoreBank BTN serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank MandiricoreBank Mandiri serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank CIMB NiagacoreBank CIMB Niaga serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Pos IndonesiacorePos Indonesia serves as a banking and postal partner for ASABRI's premium collection and benefit disbursement services, particularly in areas with limited banking access.
- Bank BTPNcoreBank BTPN serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank Woori SaudaracoreBank Woori Saudara serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank BukopincoreBank Bukopin serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank MantapcoreBank Mantap serves as a banking partner for ASABRI's premium collection and benefit disbursement services.
- Bank BSI (Bank Syariah Indonesia)coreBank BSI serves as an Islamic banking partner for ASABRI's premium collection and benefit disbursement services.
- Partner Hospital Network (340+ hospitals)coreASABRI partners with over 340 hospitals throughout Indonesia for healthcare claim processing under the JKK (Work Accident Insurance) program. Partner hospitals include RS Melania Bogor, RS PKU Muhammadiyah Yogyakarta, RS TK II Putri Hijau Medan, RSUP dr. Kariadi Semarang, RSUP Prof Dr. I.G.N.G Ngoerah Denpasar, RS Sardjito Yogyakarta, and many others across all Indonesian provinces. These partnerships enable cashless or reimburse-based healthcare services for participants.
- Kementerian Pertahanan (Ministry of Defense)coreASABRI's primary government stakeholder and regulator for the TNI and ASN Kemhan participant segments. The Ministry sets policies and requirements for social insurance coverage of military and defense civil servant personnel.
- Kepolisian Negara Republik Indonesia (Polri)coreASABRI's primary government stakeholder for the Polri participant segment. The National Police sets policies and requirements for social insurance coverage of police personnel.
Scale indicators5 records
Recent moves10 records
Expansion highlights10 records
Asabri competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Asabri social profiles
Digital presenceAsabri financial estimates
Financial estimateRevenue estimate
Valuation estimate
Asabri leadership team
Management profileNumber of profiles
Profiles4 records
Asabri funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Asabri M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Asabri
What does Asabri do?
PT ASABRI (Persero) is a state-owned social insurance enterprise that manages four mandatory programs — Tabungan Hari Tua (THT) old-age savings, Jaminan Kecelakaan Kerja (JKK) work accident insurance, Jaminan Kematian (JKm) death insurance, and Jaminan Pensiun (JP) pension insurance — for Indonesian military (TNI), police (Polri), and civil servants at the Ministry of Defense and Police. Programs are funded by participant and government premium contributions and supplemented by PUM KPR housing loans, Pinjaman Polis policy loans, and Taspen benefit programs.
Is Asabri a public or private company?
Asabri is a private company. It is classified as state government owned and is currently operating.
When was Asabri founded?
Asabri was founded in 1971. It employs 251 to 500 people.
Where is Asabri based?
Asabri is headquartered in Jakarta, Indonesia, in the Asia region.
How does Asabri make money?
One revenue line is on record: mandatory Social Insurance Premium Contributions (Iuran).
Does Asabri have an API?
No public API is recorded for Asabri.
What industry is Asabri in?
Asabri's product category is Government Social Insurance. Its primary akta.pro industry code is BPAIAKAK, Social Care & Long-Term Care Benefits Administration. Its NAICS code is 524292 and its SIC code is 6321.