{"id":27945,"date":"2026-10-17T16:39:22","date_gmt":"2026-10-17T09:39:22","guid":{"rendered":"https:\/\/businessupdate.id\/?p=27945"},"modified":"2026-10-17T16:39:24","modified_gmt":"2026-10-17T09:39:24","slug":"mulai-juli-2027-lps-lakukan-penjaminan-polis-asuransi","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=27945","title":{"rendered":"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> Lembaga Penjamin Simpanan (LPS) akan melakukan penjaminan polis asuransi dengan limit penjaminan hingga Rp500 juta agar minimal 90% pemegang polis dapat terlindungi melalui program penjaminan polis asuransi. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Eksekutif Surveilans, Pemeriksaan, dan Informasi Asuransi LPS Suwandi mengatakan, penentuan limit penjaminan mempertimbangkan cakupan perlindungan bagi pemegang polis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cRule of thumb-nya adalah minimal 90% pemegang polis itu ter-cover ya. Nah, itu yang menjadi apa kajian kami pada saat mengusulkan (limit) sampai pada angka Rp500 juta,\u201d kata Suwandi dalam Media Briefing di Denpasar, Bali, Jumat (16\/10\/2026). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menjelaskan, terdapat hal yang menjadi pertimbangan dalam menentukan limit penjaminan yakni seberapa besar limit tersebut dapat melindungi pemegang polis. Menurut Suwandi, semakin kecil limit penjaminan yang ditetapkan, semakin sedikit pula pemegang polis yang dapat memperoleh perlindungan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">LPS menargetkan program penjaminan polis asuransi mulai berlaku pada Juli 2027. Anggota Dewan Komisioner Bidang Program Penjaminan Polis LPS Ferdinan D. Purba mengatakan, saat ini pihaknya tengah mempersiapkan desain program penjaminan polis asuransi, termasuk aspek operasional dan kepesertaan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Persiapan tersebut dilakukan untuk memenuhi amanat Undang-Undang Nomor 4 Tahun 2023 tentang Pengembangan dan Penguatan Sektor Keuangan (UU P2SK). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Menindaklanjuti amendemen UU P2SK, kami di LPS sedang menyiapkan aktivasi Penjaminan Polis Asuransi ini agar dapat berjalan sebelum Tahun 2028 sebagaimana dimandatkan oleh Undang-Undang. Target kami aktivasi dapat berlaku pada Juli 2027,\u201d kata Ferdinan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurutnya, penyusunan regulasi mengenai model kepesertaan menjadi aspek krusial karena berkaitan dengan tingkat perlindungan dan efektivitas program yang nantinya dirasakan masyarakat. Dalam desain program tersebut, peserta penjaminan bukanlah masyarakat secara langsung, melainkan perusahaan asuransi (PA) dan perusahaan asuransi syariah (PAS) yang menyelenggarakan asuransi umum dan asuransi jiwa. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sementara itu, asuransi sosial, program asuransi wajib, dan reasuransi tidak dapat mendaftarkan diri sebagai peserta program penjaminan polis asuransi. Ferdinan menjelaskan, meskipun UU P2SK mewajibkan seluruh perusahaan asuransi menjadi peserta penjaminan, keikutsertaan dalam program tersebut tidak berlaku secara otomatis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Setiap perusahaan asuransi harus terlebih dahulu memenuhi persyaratan tingkat kesehatan tertentu sebelum ditetapkan sebagai peserta. Persyaratan tersebut nantinya ditetapkan oleh LPS dengan berkoordinasi bersama Otoritas Jasa Keuangan (OJK), melalui perhitungan <em>risk-based capital<\/em> (RBC) atau rasio kecukupan modal berbasis risiko masing-masing perusahaan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cDengan mewajibkan syarat tingkat kesehatan tertentu, diharapkan program Penjaminan Polis Asuransi dapat terhindar dari risiko kegagalan peserta di fase awal implementasi. Selain itu, penetapan syarat tersebut penting bagi keberlanjutan manfaat program Penjaminan Polis Asuransi,\u201d jelasnya. (rn\/jh. Foto: Dok. LPS)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; Lembaga Penjamin Simpanan (LPS) akan melakukan penjaminan polis asuransi dengan limit penjaminan hingga Rp500 juta agar minimal 90% pemegang polis dapat terlindungi melalui program penjaminan polis asuransi. Direktur Eksekutif Surveilans, Pemeriksaan, dan Informasi Asuransi LPS Suwandi mengatakan, penentuan limit penjaminan mempertimbangkan cakupan perlindungan bagi pemegang polis. \u201cRule of thumb-nya adalah minimal 90% pemegang [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":8704,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[640,12142,1253,5021,1162],"class_list":["post-27945","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","tag-asuransi","tag-lembaga-penjamin-simpanan","tag-lps","tag-penjaminan","tag-polis"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi - 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=27945\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; Lembaga Penjamin Simpanan (LPS) akan melakukan penjaminan polis asuransi dengan limit penjaminan hingga Rp500 juta agar minimal 90% pemegang polis dapat terlindungi melalui program penjaminan polis asuransi. Direktur Eksekutif Surveilans, Pemeriksaan, dan Informasi Asuransi LPS Suwandi mengatakan, penentuan limit penjaminan mempertimbangkan cakupan perlindungan bagi pemegang polis. \u201cRule of thumb-nya adalah minimal 90% pemegang [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=27945\" \/>\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=\"2026-10-17T09:39:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-17T09:39:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/10\/LPS-e1696122021763.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"752\" \/>\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=27945\",\"url\":\"https:\/\/businessupdate.id\/?p=27945\",\"name\":\"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-10-17T09:39:22+00:00\",\"dateModified\":\"2026-10-17T09:39:24+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=27945#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=27945\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=27945#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi\"}]},{\"@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":"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi - 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=27945","og_locale":"en_US","og_type":"article","og_title":"Mulai Juli 2027 LPS Lakukan Penjaminan Polis Asuransi - Businessupdate.id","og_description":"BusinessUpdate &#8211; Lembaga Penjamin Simpanan (LPS) akan melakukan penjaminan polis asuransi dengan limit penjaminan hingga Rp500 juta agar minimal 90% pemegang polis dapat terlindungi melalui program penjaminan polis asuransi. 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