More than 80% of insurers have already met OJK's 2026 requirements, but experts say capital alone will not fix weak fundamentals as tougher 2028 rules loom.
Surrender payouts and reserve requirements are climbing at both life and non-life insurers, raising questions over whether households are trading long-term protection for short-term liquidity.
Draft amendments would allow qualifying institutional investors to increase their shareholding in the same bank without seeking repeated regulatory approvals.
