Indonesia’s Insurance Journey Is Going Digital, but Trust Remains the Deciding Factor
Indonesia’s insurance market is growing, but adoption remains low. An Oona study shows consumers now begin their journey online, using digital channels to research and compare options. However, trust still plays a decisive role at the point of purchase, with agents and recommendations remaining influential. As behaviour shifts, the future of insurance in Indonesia will depend on combining digital convenience with human trust.
Last updated: 31 Mar 2026
