Prevention is Better Than Cure: Repositioning Jasa Raharja's Role in Traffic Safety

Authors : Adam Faiana Amru, Ferdinandus S. Nggao,

Topic : State-Owned Enterprises, Traffic Safety, Social Insurance, Jasa Raharja, Public Policy, Indonesia

PT Jasa Raharja faces a dual strategic challenge that demands a fundamental institutional repositioning. A new White Paper published by the BUMN Research Group Lembaga Management FEB UI Universitas Indonesia on January 23, 2026, explores the urgent need for this transition.

Authored by Ferdinandus S. Nggao and Adam F. Amru, the document highlights how the company's traditional role is being squeezed and why a shift toward accident prevention is critical. In 2024 alone, Indonesia recorded over 152,000 traffic accidents resulting in approximately 27,000 fatalities, equating to 3 to 4 lives lost every hour.

Key Insights from the White Paper:

• The company's traditional role as a post-accident compensation payer is experiencing convergence pressure from National Health Insurance (JKN) and Employment Accident Insurance (JKK).
• Financial data indicates structural pressure, as underwriting expenses grew by 6.2% while gross premium income only grew by 1.4% in 2024.
• A business model relying solely on post-accident compensation, without preventive interventions, faces clear financial sustainability pressures.
• Jasa Raharja possesses adequate legal justification to expand its role into accident prevention and victim wellbeing without requiring legislative revisions.
• The legal foundation for this preventive role is supported by the explanations of Law No. 34/1964, Presidential Regulation No. 1/2022, and Law No. 22/2009.

To understand the full scope of how Jasa Raharja can utilize its extensive data and resources to systematically reduce national traffic fatalities, download the complete document below.