The survey found growing acceptance of AI in claims-related interactions, even as buyers remain cautious about using it to make insurance purchase decisions.
Upcoming capital reforms and tighter underwriting discipline should support earnings stability, although volatility is likely to persist in the near term.
Slower growth in China and India drives the easing, while Singapore and Indonesia head the other way at 14.7% and 17.3%, adding to pressure on health insurance affordability.
Under the proposed rules, insurers and takaful operators would have to check customer understanding before underwriting and stop sales that cannot meet a customer's needs.
The funds will be disbursed in two IDR10trn (US$557m) instalments, as the insurer seeks to address a cash flow gap between contributions collected and healthcare service payments.
Regulatory reforms, increasing insurance penetration and demand for digital and catastrophe coverage are expected to drive growth in Malaysia's non-life insurance market.
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