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Data SNLIK 2026 catat literasi asuransi turun ke 42,84% meski inklusi naik ke 29,55%. Industri asuransi makin gencar galakkan edukasi publik.

 

Liputan6.com, Jakarta - Tingkat literasi asuransi di Indonesia mengalami penurunan menjadi 42,84% pada 2026, meski tingkat inklusinya justru naik menjadi 29,55%. Temuan dari Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2026 ini menjadi sinyal bahwa pemahaman masyarakat tentang asuransi masih perlu terus dipacu agar makin banyak warga yang terlindungi secara finansial.

"Literasi asuransi bukan hanya tentang mengenalkan produk, tetapi juga memberikan pemahaman yang benar mengenai pentingnya perlindungan keuangan melalui asuransi," ujar Ketua Dewan Asuransi Indonesia (DAI), Yulius Bhayangkara, dalam konferensi pers Hari Asuransi 2026 di Grha AAJI, Selasa (20/10/2026).

Sebagai pembanding, data SNLIK 2025 mencatat literasi asuransi berada di angka 45,45% dengan inklusi 28,50%. Artinya, tingkat literasi terkoreksi sebesar 2,61 poin persentase, sedangkan angka inklusinya tumbuh 1,05 poin persentase di tahun 2026.

Melihat kondisi ini, Yulius menekankan pentingnya bagi industri asuransi untuk memperluas jangkauan edukasi. Langkah ini bisa dilakukan lewat aksi lapangan di berbagai kota hingga pemanfaatan media cetak, media online, dan media sosial. Harapannya, masyarakat tak sekadar kenal, tetapi juga yakin untuk memiliki dan merasakan langsung manfaat perlindungan asuransi.

"Melalui berbagai kegiatan literasi di beberapa kota, konferensi pers, hingga pemanfaatan media cetak, online, dan media sosial, kami ingin mengajak masyarakat untuk tidak hanya mengetahui, tetapi juga memiliki produk asuransi dan merasakan langsung manfaatnya," kata Yulius.

Kinerja Asuransi

Di sisi lain, kinerja industri asuransi sebenarnya masih menunjukkan pertumbuhan positif. Otoritas Jasa Keuangan (OJK) mencatat total aset asuransi nasional menembus Rp 1.200,55 triliun per Agustus 2026, atau tumbuh 2,56% secara tahunan (year-on-year).

Sektor asuransi komersial turut menyumbang aset sebesar Rp 982,18 triliun (naik 3,59% yoy) dengan perolehan pendapatan premi mencapai Rp 255,40 triliun (naik 2,66% yoy). Rinciannya, premi asuransi jiwa naik 7,01% menjadi Rp 125,75 triliun.

Sementara itu, premi asuransi umum dan reasuransi terkoreksi tipis 2,35% ke angka Rp 99,61 triliun. OJK memproyeksikan industri ini bakal tumbuh di kisaran 2%–4% hingga penutupan tahun 2026.

Kunci Mengamankan Masyarakat dari Risiko

Ketua Bidang Kanal Distribusi Asosiasi Asuransi Jiwa Indonesia (AAJI), Hengky Djojosantoso, menilai bahwa penguatan literasi dan inklusi merupakan kunci utama untuk memagari masyarakat dari risiko hidup sehari-hari.

"Asuransi bukan lagi sekadar produk keuangan, melainkan sudah menjadi kebutuhan dasar masyarakat untuk menghadapi risiko yang dapat terjadi kapan saja, seperti bencana alam maupun kecelakaan," ujar Hengky.

Menjawab tantangan tersebut, Ketua Panitia Hari Asuransi 2026, Cicilia Nina Triana, menyampaikan bahwa pihaknya tengah menggelar program edukasi di tujuh titik wilayah Indonesia. Salah satunya menyasar para pelaku UMKM lewat kerja sama dengan PT Permodalan Nasional Madani (PNM).

"Edukasi dan literasi asuransi perlu dilakukan secara masif dan berkesinambungan agar asuransi lebih mudah dipahami dan diterima oleh seluruh lapisan masyarakat Indonesia," tutur Cicilia.

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