{"id":24709,"date":"2026-04-13T16:35:52","date_gmt":"2026-04-13T09:35:52","guid":{"rendered":"https:\/\/businessupdate.id\/?p=24709"},"modified":"2026-04-13T16:35:55","modified_gmt":"2026-04-13T09:35:55","slug":"pemerintah-kaji-asuransi-wajib-bagi-kendaraan","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=24709","title":{"rendered":"Pemerintah Kaji Asuransi Wajib bagi Kendaraan"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> Kementerian Keuangan (Kemenkeu) tengah mengkaji bentuk asuransi wajib tanggung jawab hukum pihak ketiga (<em>thrid party liability<\/em>) terkait dengan kecelakaan lalu lintas serta peraturan pemerintah (PP) terkait asuransi wajib ini. <\/p>\n\n\n\n<p>Direktur Pengembangan Dana Pensiun, Asuransi, dan Aktuaria Kemenkeu, Ihda Muktiyanto, mengatakan implementasi aturan asuransi wajib tersebut perlu dilihat dari berbagai sisi, termasuk sejauh mana perlindungan dapat diberikan oleh konsep asuransi, mekanisme pengelolaan, dan bisnis modelnya. <\/p>\n\n\n\n<p>&#8220;Bagaimana peran dari elemen atau ekosistem dari asuransi ini dapat mewujudkan terbentuknya asuransi wajib pihak ketiga terkait dengan kecelakaan lalu lintas,&#8221; kata Ihda dalam acara PPDP Regulatory Disemination Day, Senin (13\/4\/2026). <\/p>\n\n\n\n<p>Sebagai informasi, asuransi wajib tersebut adalah mandat yang diberikan oleh Undang-Undang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK) Nomor 4 Tahun 2023 demi mendorong pendalaman pasar agar industri asuransi dapat berkembang. <\/p>\n\n\n\n<p>Adapun, aturan turunan pelaksanaan UU PPSK yang berupa peraturan pemerintah (PP) seharusnya paling lambat terbit dua tahun setelah UU PPSK diundangkan atau 12 Januari 2025. <\/p>\n\n\n\n<p>Ihda menjelaskan, beberapa contoh program asuransi wajib tersebut nantinya dapat meliputi tiga aspek yakni asuransi wajib pihak ketiga (<em>thrid party liability<\/em>) terkait dengan kecelakaan lalu lintas, asuransi wajib kebakaran, dan asuransi rumah tinggal terhadap risiko bencana. <\/p>\n\n\n\n<p>&#8220;Ini adalah contoh dalam undang-undang kemudian dapat menjadi salah satu gambaran mengenai bentuk asuransi wajib yang bisa mendapat dukungan dari pemerintah,&#8221; lanjutnya. <\/p>\n\n\n\n<p>Menurut Ihda, di berbagai negara tetangga asuransi wajib terkait kecelakaan lalu lintas menjadi program pemerintah yang sifatnya wajib dan ekosistemnya berperan signifikan. Namun demikian, bentuk asuransi wajib ini masih merupakan konsep yang perlu ditinjau lebih lanjut seperti apa bentuk akhirnya. <\/p>\n\n\n\n<p>Saat ini, Kemenkeu sendiri tengah menyusun peraturan pemerintah (PP) terkait asuransi wajib ini. Peraturan tersebut nantinya harus mendapatkan persetujuan dari DPR RI. Pihaknya juga terus berkoordinasi dengan Otoritas Jasa Keuangan (OJK) terkait sistem operasionalnya. &#8220;Asuransi wajib ini sifatnya mengikat dan memberikan tambahan proteksi kepada masyarakat,&#8221; tutupnya. (rn\/jh) <\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Kementerian Keuangan (Kemenkeu) tengah mengkaji bentuk asuransi wajib tanggung jawab hukum pihak ketiga (thrid party liability) terkait dengan kecelakaan lalu lintas serta peraturan pemerintah (PP) terkait asuransi wajib ini. Direktur Pengembangan Dana Pensiun, Asuransi, dan Aktuaria Kemenkeu, Ihda Muktiyanto, mengatakan implementasi aturan asuransi wajib tersebut perlu dilihat dari berbagai sisi, termasuk sejauh mana [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":24710,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46,85],"tags":[640,484,423,1000,11691,4000,1175],"class_list":{"0":"post-24709","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economic","8":"category-insurance","9":"tag-asuransi","10":"tag-kendaraan","11":"tag-pemerintah","12":"tag-peraturan","13":"tag-pihak-ketiga","14":"tag-tanggung-jawab","15":"tag-wajib"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pemerintah Kaji Asuransi Wajib bagi Kendaraan - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=24709\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pemerintah Kaji Asuransi Wajib bagi Kendaraan - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Kementerian Keuangan (Kemenkeu) tengah mengkaji bentuk asuransi wajib tanggung jawab hukum pihak ketiga (thrid party liability) terkait dengan kecelakaan lalu lintas serta peraturan pemerintah (PP) terkait asuransi wajib ini. Direktur Pengembangan Dana Pensiun, Asuransi, dan Aktuaria Kemenkeu, Ihda Muktiyanto, mengatakan implementasi aturan asuransi wajib tersebut perlu dilihat dari berbagai sisi, termasuk sejauh mana [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=24709\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-13T09:35:52+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-13T09:35:55+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/04\/kecelakaan-mobil-e1776072930338.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1040\" \/>\n\t<meta property=\"og:image:height\" content=\"693\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=24709\",\"url\":\"https:\/\/businessupdate.id\/?p=24709\",\"name\":\"Pemerintah Kaji Asuransi Wajib bagi Kendaraan - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-04-13T09:35:52+00:00\",\"dateModified\":\"2026-04-13T09:35:55+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=24709#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=24709\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=24709#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pemerintah Kaji Asuransi Wajib bagi Kendaraan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pemerintah Kaji Asuransi Wajib bagi Kendaraan - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=24709","og_locale":"en_US","og_type":"article","og_title":"Pemerintah Kaji Asuransi Wajib bagi Kendaraan - Businessupdate.id","og_description":"BusinessUpdate &#8211; Kementerian Keuangan (Kemenkeu) tengah mengkaji bentuk asuransi wajib tanggung jawab hukum pihak ketiga (thrid party liability) terkait dengan kecelakaan lalu lintas serta peraturan pemerintah (PP) terkait asuransi wajib ini. 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