Insurances Law

Overview

The insurance industry in Indonesia operates under Law Number 40 of 2014 concerning Insurance and is regulated by the Financial Services Authority (OJK). Insurance companies, brokers, and intermediaries must comply with licensing requirements, solvency standards, governance obligations, and consumer protection regulations.

Insurance disputes may arise from claim denials, policy interpretation disagreements, reinsurance arrangements, or regulatory investigations. These matters often require precise contractual interpretation and regulatory expertise.

Luthfi Yazid DHH Law Firm provides legal advisory and representation services to insurers, reinsurers, intermediaries, and policyholders in regulatory compliance and dispute resolution matters.

How We Can Help

• Drafting and reviewing insurance policies and distribution agreements.
• Advising on regulatory compliance with OJK requirements.
• Representing clients in insurance claim disputes.
• Assisting in regulatory investigations and administrative proceedings.
• Advising on digital insurance (insurtech) regulatory compliance.

Our Approach

We focus on balancing regulatory compliance with commercial risk management. Our legal strategies are designed to protect financial stability, ensure policy clarity, and safeguard our clients’ interests within Indonesia’s insurance regulatory framework.