JAKARTA — Deputi Komisioner Pengawasan Perasuransian, Penjaminan, dan Dana Pensiun Otoritas Jasa Keuangan (OJK) Iwan Pasila mengatakan teknologi digital berhasil membantu efisiensi perusahaan asuransi, terutama pada belanja operasional (Operational Expenditure/Opex).
Hal tersebut lantaran dengan adanya digitalisasi, perusahaan asuransi tak lagi harus mengeluarkan biaya transportasi untuk pemasaran produk karena pemasaran produk asuransi sudah bisa dilakukan melalui media sosial maupun laman resmi. “Automasi dengan teknologi digital membantu perusahaan asuransi, yang paling kelihatan itu efisiensi di bidang Opex-nya,” ujar Iwan dalam acara Bulan Fintech Nasional dan 5th Indonesia Fintech Summit & Expo 2023 di Jakarta, Kamis (23/11/2023).
Dengan adanya efisiensi, ia menyebutkan cakupan risiko yang diterima nasabah bisa diperbesar karena sudah berkurangnya biaya operasional perusahaan yang ditanggung nasabah. Selain biaya transportasi untuk pemasaran produk, biaya logistik untuk pengiriman polis pun akan berkurang atau bahkan menjadi tidak ada dengan adanya teknologi digital. Pasalnya dengan digitalisasi, polis asuransi bisa dikirimkan melalui surat elektronik maupun pesan elektronik kepada nasabah.
Perubahan bentuk polis asuransi, kata Iwan, selain mengurangi biaya operasional, turut mengurangi risiko pencurian data nasabah karena sempat terdapat beberapa kasus pengiriman polis asuransi yang salah alamat dan sebagainya. Ia menceritakan, di beberapa perusahaan asuransi cukup banyak dokumen polis yang terkirim ke alamat yang salah karena nasabah pindah rumah atau memang kurir ekspedisi yang salah mengirimkan dan malas memperhatikan kembali.
“Ini risiko besar kalau nasabah tidak terima polisnya dan polis jatuh ke tangan orang lain,” ungkapnya. Untuk itu dirinya menegaskan, OJK akan terus mendorong teknologi digital agar bisa mengurangi risiko dan meningkatkan layanan perusahaan asuransi. Selain itu, Regulator juga akan terus menggandeng berbagai asosiasi asuransi untuk mengimbau para anggotanya agar semakin meningkatkan teknologi digital dalam menjalankan bisnis.
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