The Insurance IndustryHas been witnessing a promising growth over the years..

13% Projected CAGR growth in Life Premiums (to IDR 243 Trillion)*

*Indonesia Insurance Report Q3

10% Projected CAGR growth in P&C Premiums (to IDR 81Trillion)*

*Indonesia Insurance Report Q3

This positive growth is expected to continue until the year 2020

Although withsteadygrowth, themainchallengeremain:

Increasing penetration in a condition where insurance spending is not at all priority in the mind of average Indonesians.

Micro-insurance:

> 6 MMicro-insurance policyholders

106 BTotal premiums in 2015

*KPMG Insurance Report 2016

Distribution is being tackled by several players

But they continue to face challenges What’s causing low market penetration?

Low market awareness

Insurance is hard to sell on its own

Distribution & adverse selectionchallenges, sometimes resulting in high premiums

Regulation

Humantalent

Innovation within the Industry:Players in the industry have used several product based approaches to tackle the problems

Unit-linked, bundling, digital services, micro-insurance, and even the government healthcare reform (JKN) to increase coverage

Holistic financial planning and education is requiredInsurance is a part of the bigger puzzle

Save for a purpose!

Short-term & long-term purposes! – Support customers plans for education, buying a house, retirement, etc.

Create Wealth

Store assets in higher yield products – helping customers grow their portfolio

Cover you risk!

Self, family and asset protections! – Protect and support them when it is most required

Our user needs insurance

How Kelola works now..KELOLA, INVESTASI TANPA BASA BASI

Curates safe investment product

Digital KYCEasy, fast and can be done anywhere!

Start low We let users invest with only Rp100k!

Investment Product listed

OJK

No time commitment

Cash in and cash out anytime!

We have access to financially educated audienceWe are a tech company – so we can do payment effectively!

Our users entrust us with their asset

We are taking a holistic view on our distribution, that’s how we intend to tackle distribution problem!How is Kelola relevant for the insurance industry

Engagement Sales Recurring payments

Risk Management

WhatsApp group: Kelola Investment Academy

In-app interaction with users & web-based Kelola’s financial content articles

Financial education workshops for companies/organizations

Ambassador programs for students

Direct agent for fields

Partnerships with companies to approach blue collars at scale (payroll scheme, event related bonuses, etc.)

in-app notificationto directly remind & update users

Cross-selling various financial products

Tracking on user activities & status to mitigate risks

Curate low-risk & stable financial products

Tackling problem of low awareness

Innovate on bundling financial products

Digital Market

CONTACT OUR TEAM

Harshet Lunani Romi Rizal+62 818 0882 5054

harshet@kelolaapp.com+62 815 1410 4946

Romi@kelolaapp.com