Dalam beberapa tahun terakhir, kita telah melihat bagaimana teknologi merevolusi industri keuangan, atau yang kini akrab disebut fintech. Tren ini tidak hanya dimonopoli beberapa kaum bisnis saja, seperti pembayaran digital dan peer-to-peer lending, tetapi juga telah membuka peluang besar terhadap insurtech.
Sejalan dengan semakin berkembangnya platform insurtech, semakin banyak yang meyakini teknologi dapat menjadi kunci untuk memberikan akses lebih ke masyarakat yang selama ini tidak tahu-menahu dan merasa perlu terhadap produk asuransi.
Memang anggapan ini belum dapat tervalidasi seutuhnya mengingat tren insurtech baru ramai beberapa tahun belakangan. Selain itu, penetrasi asuransi di Indonesia masih sangat rendah, atau berkisar 2-3 persen dari total populasi, berdasarkan data Otoritas Jasa Keuangan (OJK) di 2019.
Di sisi lain, sebetulnya kita dapat melihat momentum pertumbuhan insurtech di Indonesia sebagai tanda dimulainya kesadaran digital dalam industri yang selama ini dicap sebagai “late adopter” di bidang teknologi.
Sejumlah startup, seperti PasarPolis, RajaPremi, Qoala, Wowpremi, hingga Futuready, mulai meramaikan pasar insurtech. Jumlah pemain ini tentu akan terus bertambah sejalan dengan meningkatnya literasi terhadap produk asuransi.
Sejumlah perusahaan asuransi berskala besar yang bertahun-tahun menjalankan model bisnisnya secara tradisional, kini sudah memulai berbagai inisiasi untuk berkomitmen di digital. Beberapa di antaranya adalah Axa MyPage, Asuransiku, eAZy Connect, dan MiMo.
Inisiatif digital melalui pengembangan aplikasi
Jika bicara inisiatif digital, hal ini akan tergantung bagaimana perusahaan memandang kebutuhan. Namun, langkah awal biasanya dimulai melalui pengembangan aplikasi, baik untuk pelanggan maupun kebutuhan internal.
Tujuannya bermacam-macam. Bisa untuk mempermudah proses klaim, proses penjualan dari pihak agen, penambahan customer baru, atau peningkatan customer experience.
PT Asuransi Kredit Indonesia (Askrindo), misalnya, meluncurkan digiAsk atau aplikasi Personal Accident Insurance yang dapat diakses melalui desktop maupun perangkat mobile di 2018.
Mengutip Kompas.com, Direktur Utama Askrindo Asmawi Syam mengungkap bahwa pihaknya tidak lagi menyasar segmen asuransi kredit, melainkan masuk ke bisnis asuransi umum melalui peluncuran aplikasi digiAsk.
Di tahun yang berikutnya, Mandiri Inhealth mengomersialisasikan aplikasi MI-Mobile (MIMO) yang berfungsi untuk memberikan kemudahan dalam memperoleh data dan informasi manfaat asuransi bagi para penggunanya.
Komitmen anak usaha Bank Mandiri untuk membuka diri terhadap produk digital juga dibuktikan untuk memperluas target pasar premi yang tadinya hanya untuk korporat atau B2B menjadi ke pasar individual.
Kepala Divisi Teknologi dan Informasi Mandiri Inhealth Andang Nugroho mengungkap bahwa perusahaan juga tengah mengembangkan produk digital baru yang akan menjadi turunan dari aplikasi MiMo, yakni aplikasi Dokter Keluarga.
Menurutnya, aplikasi ini akan memperkuat ekosistem produk asuransi Mandiri Inhealth dengan mengintegrasikan kepada para pesertanya di masa depan.
“Aplikasi ini akan memberikan gambaran penuh tentang layanan Mandiri Inhealth ke peserta hingga dokter. Aplikasi ini dikembangkan seluruhnya di internal, dan saat ini masih pilot, karena tidak semua dokter sudah digital-minded,” tuturnya kepada DailySocial.
Komitmen melalui innovation lab dan kolaborasi
Salah satu perusahaan asuransi yang telah menaruh komitmen penuh pada digital adalah Allianz Indonesia. Hal ini dibuktikan melalui kehadiran Allianz Innovation Lab yang dibangun sejak 2018.
Bahkan sebelum innovation lab didirikan, perusahaan sudah menelurkan berbagai inisiatif digital yang berfokus pada peningkatan customer experience melalui layanan eAZy Connect dan eAZy Med.
“Kami berbeda dari yang lain karena kami betul-betul berinvestasi di digital. Maka itu, innovation lab ini dibangun ketika kami memutuskan untuk fokus pada customer experience,” kata Direktur Utama Allianz Indonesia Joos Louwerier kepada DailySocial.
Di samping melakukan inovasi secara internal, ia juga menyebutkan pentingnya kolaborasi dan sinergi dengan startup sebagai bagian dari pengembangan produk. Allianz sudah bermitra dengan Bukalapak, Gojek, dan Halodoc untuk memasarkan produknya.
Saat ini, kolaborasi Allianz dengan para marketplace masih dalam kapasitas learning phase. Namun, ia tidak menutup pintu terhadap potensi kolaborasi dengan startup lainnya di 2020.
“Fokus kami ke depan adalah berkolaborasi dengan pemain sukses yang memiliki basis customer yang besar. Bagi kami insurtech itu penting, karena inovasi justru datang dari mereka [startup],” tuturnya.
Data terintegrasi menjadi kunci
Sebagaimana disampaikan di awal, rendahnya penetrasi asuransi di Indonesia menandakan buruknya literasi asuransi di kalangan masyarakat. Bagi Ketua Asosiasi Asuransi Umum Indonesia (AAUI) Dadang Sukresna, kolaborasi antar-perusahaan asuransi dan startup tidak cukup untuk meningkatkan literasi.
“Sinergi menjadi jalur yang dapat diandalkan, tetapi bukan kunci utama, karena asosiasi asuransi dan OJK tetap harus mengedukasi pasar untuk meningkatkan penetrasi,” ungkap Dadang kepada DailySocial.
Di sisi lain, pengamat asuransi Azuarini Diah Parwati menilai tren insurtech di Indonesia akan memiliki masa depan cerah. Menurutnya, cepat atau lambat seluruh perusahaan asuransi harus mulai memanfaatkan teknologi untuk memasarkan produknya.
“Pemasaran asuransi melalui digital dapat meningkatkan literasi kesadaran masyarakat untuk berasuransi. Terlebih masyarakat juga semakin melek teknologi,” tutur Azuarini kepada DailySocial.
Akses terhadap data terintegrasi masih menjadi kendala utama untuk dapat memaksimalkan peran utama pelaku insurtech di Indonesia. Artinya belum semua perusahaan asuransi mau berbagai atau membuka datanya terhadap pemain digital.
Padahal, data tersebut dapat diolah menjadi sebuah produk atau penilaian risiko (scoring) yang nantinya dapat bermanfaat terhadap peningkatan literasi dan penetrasi asuransi di Indonesia.
Mengutip data Asosiasi Asuransi Jiwa Indonesia (AAJI), Azuarini menyebutkan kontribusi penjualan premi melalui online atau digital baru mencapai 0,01 persen dari total penjualan premi sebesar Rp54,57 triliun di Indonesia.
Following the fintech boom in Indonesia, here comes the next wave: insurance technology. “Insurtech” encompasses a variety of digital tools and platforms, including aggregators and marketplaces, that offer or provide access to insurance products. Startups and conventional insurers are exploring the field to find more efficient ways of linking up with consumers.
They see a huge untapped potential. Just like how Indonesians are “underbanked”—meaning many people still lack access to banks and financial services—they are also “underinsured.”
According to data from Indonesia’s financial services regulator, OJK, as quoted in a CB Insights report, insurance literacy in Indonesia was only at 15.8% in 2017. Big strides have been made with the country’s new mandatory basic health insurance known as BPJS. In all, 193 million Indonesians are now registered as part of the BPJS scheme, which means more than half the population are in the program. But this covers only the necessities, and patients are required to seek treatment at public healthcare facilities that are part of the scheme.
For everything outside of BPJS, insurance penetration in Indonesia is as low 2%. In other words, only 4.5 million out of 264 million Indonesians carry any additional insurance policy, most commonly life insurance.
A slow start
At the moment, the development of insurtech in Indonesia lags behind that of fintech, especially online lending platforms. Insurtech platforms haven’t blossomed in the same way as lenders, perhaps because many Indonesians have a different perception and attitude towards insurance.
“[Online] lending was easy to grow because it gives access for people to get cash conveniently. But with insurance, it is the other way around. People need to pay money on a regular basis and won’t feel the benefits instantly. It will be challenging [for insurance providers] to get the trust, especially from older, more conventional people,” JP Ellis told KrASIA. He is the founder of the financial services marketplace C88, which aggregates a variety of credit and insurance products.
The commonly held view is that insurance is expensive, and that getting insured and eventually having claims settled is a complicated process. This all contributes toward the low adoption of insurance in Indonesia.
According to EY’s Global Insurance survey, the traditional insurance industry lags behind in developing innovative and customer-friendly digital experiences like information transparency, customer engagement through social media, and the use of analytics for tailor-made solutions.
This only exacerbates the adoption gap because insurance products fail to match current consumer habits and expectations.
Image by Kalhh from Pixabay
A conventional insurer’s view
Like other sectors, we are nearing a point of digital disruption for insurance.
As Indonesia’s digital economy grows, insurtech businesses focusing on bringing conventional insurance online will play a more significant role and take up a bigger portion of the country’s digital economy.
Bianto Surodjo, the chief partnership and distribution officer at Allianz Indonesia, believes two factors contribute to a growing insurtech business opportunity in the country. The first is the government’s agenda to accelerate “insurance inclusion,” just as it did with financial inclusion. The second factor is the rapid growth of e-commerce, fintech, and general online business in Indonesia.
“While the current life insurance market is growing well, its penetration is at less than 2%,” Surodjo told KrASIA.
If the industry is able to grow with a CAGR of 15–20%, he predicts, then within ten years the estimate gross written premium (or the total value customers paid for their policies, before deductions for reinsurance and ceding commissions) will have exceeded IDR 1 quadrillion (USD 70.2 billion) with a profit pool of more than IDR 100 trillion (USD 7 billion), excluding those enjoyed by distributions including banks, agents, and reinsurance.
Surodjo said that like other industries, such as commerce, transportation, and banking, where the adoption of technology inside the business has vastly accelerated, we can expect a similar trend to happen in the insurance industry in the next three to six years.
Digital insurance and distribution will complement existing conventional insurance services, he believes. New, simple, and low-priced insurance products will find a better acceptance via digital distribution channels, but more complex products will still require face-to-face interactions with an insurance expert for customers to buy-in.
“Nevertheless, the digital aspect is not only about selling but also about post-selling activities. [Digital tools] we expect to adopt more quickly are in payments, claim processing, as well as the integration with an online doctor as well as pharmacists,” Surodjo continued.
Supportive regulation is needed
As the business in this sector is starting to grow, government regulations that specifically regulate digital insurance are needed to support insurance companies to continue developing digital-based products that are accessible for everyone.
Today, the insurtech platforms still refer to OJK’s regulations about financial digital innovation that mostly highlights fintech platforms.
“Indonesia has been a progressive regulator and it has a very involved fintech association. The regulation in fintech is pretty clear, especially about digital financing innovation, online lending, and so forth. However, we haven’t seen any regulation that addresses digital insurance in the country,” said JP Ellis.
According to local media reports, OJK is currently preparing regulations related to insurtech. The new set of rules will include provisions for the business models, as well as payment mechanisms for claims and complaints, aimed at protecting consumers. OJK is reportedly involving industry players to draft this regulation, but it is not clear when exactly the regulation will be issued.
There will likely be a push and pull process as the rules are laid out, with the interests of startups and innovators on one side, and the traditional insurers on the other.
“We need a regulation that is able to balance between the ‘innovation stimulators’ as well as safeguard all stakeholders of the industry, such as customers and insurance companies,” Surodjo points out.
Image by William Iven from Pixabay
The intersection of insurance and digital platforms
While regulators are still catching up, insurers and insurtech startups have begun paving their own way.
One major trend that can be observed in Indonesia is the integration of insurance products with digital platforms like Gojek, Grab, Traveloka, Tokopedia, and Bukalapak, which already have a massive user base.
Many Indonesian consumers are familiar with these apps, so buying insurance products through them is an easy first step to adopt digital insurance.
What’s more, these platforms are equipped with seamless payment options, which makes the transactions convenient.
“Through strategic business cooperation with several digital partners, we ensure that the benefits of insurance products and services can be experienced by more people, readily accessible and understood by all types of customers,” said Surodjo.
Trends in Indonesia’s digital business sectors tend to take a leaf from China, and the same is true for insurtech. In China, partnerships between digital platforms and insurers are common.
Let’s take, for instance, Zhong An, touted as the biggest insurtech company in the world. The company uses an aggressive B2B2C distribution strategy that allows it to target a variety of customers with specialized insurance offerings, also sometimes called microinsurance. Zhong An offers these through its more than 300 partners across health, travel, auto, e-commerce, banking, and other sectors.
A similar strategy has been adopted by a number of traditional insurers and insurtech companies in Indonesia.
In May, Allianz Indonesia formed a partnership with the country’s e-commerce unicorn Bukalapak to launch an insurance product called “Buka Proteksi Diri.” Allianz also invested in Gojek and collaborates to provide protection for Gojek drivers.
Besides Allianz, another company that continuously adds strategic partners to its portfolio is local insurtech platform PasarPolis. Founded in 2015 by Cleosant Randing, PasarPolis is the only startup that counts all of Indonesia’s three unicorns—Gojek, Tokopedia, and Traveloka—as its investors.
PasarPolis integrates its products into their systems allowing them to target millions of Indonesians. Similar to Zhong An, PasarPolis offers various microinsurance products. The company has over 100 products including health and accident coverage for Gojek’s drivers and passengers, damaged goods protection for Tokopedia’s shoppers and sellers, as well as flight and train delay insurance for customers who buy tickets in Traveloka.
PasarPolis CEO Cleosant Randing believes that it would be very difficult, if not impossible, for insurtech platforms to stand alone without being integrated with bigger digital platforms in the network.
“I think it is very unlikely for a customer to buy a train ticket on one platform and then look for separate insurance elsewhere,” Randing said. “In my opinion, being a part of the ecosystem is the best way for an insurtech company to scale up the business quickly while making a bigger impact on society.”
Fintech adoption within insurtech is crucial
While digital platforms help insurers deliver the right insurance product to the right people, they also offer another crucial advantage: seamless, cashless payments.
One of the reasons why many people are reluctant to sign up for conventional insurance is because of its complicated payment and claims processes. To address this issue, digital insurance platforms are collaborating with digital payment channels in order to provide a simple payment method to their customers.
“It does not matter whether you’re a standalone app or part of an integrated app. At the end of the day, people base their decisions on whether you are providing fast, reliable service at low cost,” Asheesh Birla, senior VP of product management at Ripple, told KrASIA.
Adoption of digital services comes down to having an efficient payments infrastructure, he stresses.
Insurtech platforms also need to provide tools for quick and easy claims in order to bring a seamless experience to customers. The tools should simplify claims settlements and reduce the cycle time so they can be performed completely virtually. Therefore, it’s not surprising to see that “instant claims” has become insurtech platforms’ favorite offering for its clients.
The existence and widespread adoption of fintech channels is a prerequisite for making insurance an attractive premise for Indonesians.
Image by William Iven from Pixabay
New horizons: Lifestyle-focused microinsurance
Lastly, it’s not only the ways people discover and pay for insurance products that are undertaking a digital shift. It’s going down to the core of what an insurance product is.
When we think of insurance plans, conventional life and health insurance services might be the first to come to mind. These two services are included in BPJS, Indonesia’s mandatory insurance scheme.
But insurtech has given rise to more and more lifestyle-focused microinsurance products that cover specific scenarios.
And some are really going the extra mile to provide creative service packages in this area. For instance, JagaDiri has a Jaga Gamers product that protects game-addicts from possible health problems caused by spending too much time in front of a computer screen.
PasarPolis claims to have over 100 insurance products, some as specific as a cinema and event tickets cancellation hedge for users who buy tickets via Gojek’s ticket platform GoTix.
These kinds of services might sound strange, but the demand is actually high, according to PasarPolis’ CEO Cleosant Randing. Microinsurance products are designed with smaller premiums and a limited coverage scope to support those who might not have access to conventional plans.
“Insurance products are often seen as ‘luxury,’ but more people actually long for simple and affordable insurance facilities to cover their daily lives,” said Randing.
Microinsurance products are usually sold at very affordable prices—as low as IDR 10,000 (USD 0.70) for the Jaga Gamers policy– therefore the market for this segment is growing and attractive for young consumers.
PasarPolis sells around two million policies per day, and its consumers are mostly from digital generations or millennials, Randing told KrASIA.
Although Indonesia’s financial services authority OJK does not have regulations that specifically address digital insurance yet, it has long been aware of microinsurance’s potential.
In 2013, OJK rolled out a Grand Design for Microinsurance. Since then, many companies have entered the sector.
Falling short of functioning as actual regulation, the document served as a framework and reference for insurance operators, regulators, and all stakeholders in developing microinsurance services in Indonesia. Several important points mentioned in this outline are that insurance policies should be written in simple Indonesian that is easy to read and understand, and that claim payments should be processed no later than ten days after the required claim documents have been handed over by the policyholder.
Microinsurance, married with digital technology, is seen to have a big potential in countries like Indonesia where people have been traditionally adverse toward insurance products.
With convenience, specific and affordable policies, as well as greater transparency in the claims process, most Indonesians might come to accept the benefits of protecting themselves against a variety of potential risks–even if it means spending money on it now.
This article first appeared on KrASIA. It’s republished here as part of our partnership.
Bukalapak meresmikan fitur BukaAsuransi sebagai produk fintech berikutnya yang bergerak di bidang asuransi. Allianz Indonesia menjadi mitra pertama dengan merilis produk khusus BukaProteksi Diri yang dijual melalui Bukalapak.
“Melalui kerja sama ini, kami percaya inovasi teknologi kami dapat bermanfaat bagi jutaan masyarakat sehingga proses memiliki asuransi jadi semakin mudah,” ujar Co-Founder dan President Bukalapak Fajrin Rasyid, Kamis (2/5).
BukaProteksi Diri adalah produk asuransi kesehatan pertama yang ditawarkan untuk memberikan pengalaman digital terbaik. Produk ini menawarkan asuransi kesehatan dengan harga terjangkau dengan premi tahunan mulai dari Rp236.250 hingga Rp945.000. Ekuivalen dengan Rp19 ribu per bulan.
Seluruh proses dilakukan secara online, mulai dari registrasi, pembayaran, menerima polis, hingga klaim cukup melalui aplikasi Bukalapak. Nasabah akan mendapat penggantian biaya rawat inap sebesar Rp200 ribu per hari dan maksimum limit klaim Rp6 juta, tergantung jenis manfaat yang diambil.
Bukalapak tergolong cukup aktif dalam merilis produk fintech, di antaranya reksa dana online (BukaReksa), tabungan emas (BukaEmas), dan cicilan online (BukaCicilan) dengan menggandeng berbagai mitra yang telah memiliki izin resmi dari OJK. Dari sisi merchant, mereka juga merilis produk cicilan untuk membantu permodalan bekerja sama dengan perbankan dan fintech lending.
Country Manager & Direktur Utama Allianz Life Indonesia Joos Louwerier menambahkan, strategi ini adalah upaya perusahaan dalam menambah kanal baru penjualan asuransi melalui digital, dari kanal yang sebelumnya telah digunakan yakni agensi dan bancassurance.
Ditambah pula, kanal digital membantu ambisi perusahaan untuk memberikan perlindungan kepada lebih banyak masyarakat, khususnya yang berasal dari kategori mass & emerging segment.
“Dengan basis nasabah yang sangat besar dari Bukalapak, BukaProteksi Diri akan menjangkau masyarakat Indonesia yang sangat luas. Produk ini didesain khusus untuk distribusi secara digital sehingga nasabah dapat membeli dengan mudah, cepat, dan aman,” ujar Chief Partnership Distribution Officer Allianz Life Bianto Surodjo.
Allianz Group, German-based insurance company announces an investment of $35 million (about Rp481 billion) for Go-Jek, through its investment arm for digital business, Allianz X.
The investment is part of the round joined by Blibli, Astra, Google, Tencent, JD, Meituan and Temasek worth around US$ 1.5 billion. Allianz to be the only international-scale insurance company as Go-Jek’s shareholder.
Nazim Cetin, CEO of Allianz X said in an official release that this is the first investment for a SEA-based company, the fourth throughout the year.
“Allianz X’s strategic investment in Go-Jek emphasized on our commitment to digital business growth, particularly in developing countries. Go-Jek has demonstrated a successful track record in transportation, logistics, and payment sectors. We’re very willing to support the further developments,” he said (4/11).
Joos Louwerier, Allianz Life Indonesia’s President Director added, both companies will tighten relationships through various partnerships that soon to be launched. It will offer a range of unique financial products and services for Go-Jek’s community and customers.
Both companies have already partnered since two years ago. Allianz Indonesia provides health insurance to Go-Jek’s driver-partners. The service then expanded in providing health insurance for their families.
Currently, Go-Jek has acquired over 1 million drivers in 50 cities throughout Indonesia.
– Original article is in Indonesian, translated by Kristin Siagian
Perusahaan asuransi berbasis di Jerman Allianz Group, melalui perusahaan investasi untuk bisnis digital Allianz X, mengumumkan partisipasi investasi sebesar US$35 juta (sekitar Rp481 miliar) untuk Go-Jek.
Partipasi Allianz X ini adalah bagian putaran yang diikuti oleh Blibli, Astra, Google, Tencent, JD, Meituan, dan Temasek dengan total perkiraan US$1,5 miliar. Allianz menjadi satu-satunya pemegang saham yang berasal dari perusahaan asuransi berskala internasional di Go-Jek.
Dalam keterangan resmi yang diterima DailySocial, CEO Allianz X Nazim Cetin menuturkan investasi ini adalah perdana dilakukan untuk perusahaan yang berbasis di Asia Tenggara, sekaligus menandai investasi keempat yang dilakukan Allianz X sepanjang tahun ini.
“Investasi strategis Allianz X di Go-Jek menekankan komitmen kami untuk pertumbuhan bisnis digital, khususnya di negara berkembang. Go-Jek telah memperlihatkan rekam jejak yang sukses dalam sektor transportasi, logistik, dan pembayaran. Kami siap dukung perkembangan berikutnya,” ucapnya, Rabu (11/4).
Presiden Direktur Allianz Life Indonesia Joos Louwerier menambahkan, perusahaan dan Go-Jek akan mempererat hubungan lewat berbagai kolaborasi yang akan diluncurkan. Pihaknya akan menawarkan berbagai produk dan layanan keuangan yang unik untuk komunitas dan pelanggan Go-Jek.
Sebelumnya, hubungan antara kedua perusahaan sudah dimulai sejak dua tahun lalu. Allianz Indonesia menyediakan asuransi kesehatan untuk para mitra pengemudi Go-Jek. Kemudian layanan ini diperluas dengan menyediakan asuransi kesehatan yang dapat dibeli para mitra untuk keluarganya.
Saat ini aplikasi Go-Jek telah memiliki lebih dari 1 juta mitra pengemudi tersebar di 50 kota di seluruh Indonesia.
Startup teknologi kesehatan HaloDoc hari ini mengumumkan kemitraan pertamanya dengan perusahaan asuransi Allianz. Nantinya semua nasabah asuransi Allianz, baik individu atau grup, bisa memesan obat melalui aplikasi HaloDoc hanya dengan menyertakan foto dokumen keanggotaan asuransi Allianz dan resep. Obat akan diantar langsung dengan menggunakan Go-Jek langsung ke alamat yang dituju.
“Kerja sama ini berawal dari ide saya yang mendekati langsung pihak Allianz untuk bisa bekerja sama dalam hal layanan kesehatan untuk nasabah Allianz dengan memanfaatkan teknologi milik HaloDoc,” kata Jonathan saat sesi temu media.
Layanan lain yang bisa dinikmati melalui aplikasi HaloDoc adalah proses klaim asuransi yang hanya berlangsung selama 7 hari kerja saja. Hal ini lebih cepat dari waktu yang sebelumnya ditentukan Allianz, yaitu 14 hari kerja.
“Kami melihat fitur ApotikAntar yang dimiliki oleh aplikasi HaloDoc memiliki kesamaan tujuan dengan Allianz Life yang akan membantu nasabah memesan obat berdasarkan resep dokter secara digital langsung ke alamat mereka,” kata Managing Director Allianz Health & Corporate Solutions Todd Swihart.
Kerja sama Allianz dan HaloDoc ini tidak memiliki batas waktu kontrak dan rencananya akan terus berjalan. Fitur ApotikAntar menjadi yang pertama yang dimanfaatkan Allianz dalam aplikasi HaloDoc. Harapannya kemitraan ini akan terus bertambah, seiring dengan layanan lainnya yang akan dikembangkan HaloDoc.
“Dengan seribu apotik di 14 kota di Indonesia yang telah bergabung dengan Halodoc diharapkan bisa menambah jumlah pengguna HaloDoc yang berasal dari nasabah Allianz. Hingga kini HaloDoc telah memiliki 75 ribu pengguna yang telah mengunduh aplikasi HaloDoc sejak diluncurkan bulan April silam,” kata Jonathan.
Mendapat dukungan Kementerian Kesehatan dan berencana mengimplementasikan BPJS
Jonathan juga memaparkan pengalaman positifnya sejak meluncurkan HaloDoc April lalu. Selain baru saja mendapatkan pendanaan Seri A, HaloDoc mengklaim mendapatkan dukungan penuh dari pemerintah melalui Kementerian Kesehatan.
“Kementerian Ksehatan dalam hal ini mendukung perubahan teknologi dan semua layanan harus mengadopsi teknologi yang ada. Dalam hal ini yang ditawarkan oleh Halodoc,” kata Jonathan.
Salah satu rencana jangka panjang yang akan dilancarkan adalah mengimplementasikan layanan kesehatan BPJS ke dalam aplikasi HaloDoc.
“Tentunya rencana ini masih terlalu dini untuk dibicarakan karena membutuhkan proses serta perencanaan yang cukup banyak. Namun demikian untuk ke depannya HaloDoc ingin membantu pemerintah dalam hal memberikan layanan kesehatan secara digital untuk semua masyarakat di Indonesia,” tutup Jonathan.
