Many people covered by the social health insurance scheme in Indonesia still face a double burden when ill: loss of income and significant residual out-of-pocket expenses. Many costs are actually “hidden costs”: geographical access is a barrier for many people living on the more than 17,000 islands of the Indonesian archipelago. 

AXA is an insurance and asset management group serving 107 million clients in 64 countries. AXA intends to reinforce its growth in the years ahead by intensifying its presence in high-growth markets and among low- to middle-income families. AXA Indonesia is one of the leading financial service providers in Indonesia. This Case Brief discusses AXA Indonesia's collaboration with Alodokter to develop of a digital health solution, in order to complement Indonesia's social health insurance programme.

CIF Vie, an insurer in Burkina Faso, had significant success in providing credit-linked insurance but it struggled to achieve scale for its two voluntary life insurance products.

When serving new market segments, many insurers are comfortable carrying out customer research. Where they often get stuck is putting those insights into practice, often because of internal issues like organization set-up, culture and processes.

November 5, 2019
Dhaka, Bangladesh