Stay Healthy, Stay Protected: Cermati Protect Launches New Health Initiatives to Offset Rising Medical Costs
A wave of healthy living is currently sweeping through major cities across Indonesia. Modern fitness phenomena, ranging from fun runs and tennis to padel and pilates—have become an inseparable part of the routine for the productive workforce. Equally important, this awareness of physical fitness must be accompanied by financial readiness to face health risks.
Data from the Badan Pusat Statistik (BPS) as of October 2025 recorded inflation in the health sector at 2.11% (year on year). This figure serves as a warning signal that the costs of medical treatment, medication, and hospital services continue to climb, often at a faster pace than average income growth.
In light of this situation, Cermati Protect identifies a critical gap: while people are increasingly investing in preventive health through regular exercise, their vulnerability to expensive curative costs (medical treatment) remains high.
Juanri, VP of Insurance at Cermati Protect, highlighted that this healthy lifestyle phenomenon presents a double challenge for modern society: health risks and financial risks. “We are observing an interesting trend: more people are investing in physical activity and healthy habits, but health risks don’t simply disappear. The financial consequences of a sudden illness must still be anticipated. At Cermati Protect, we want to fill that gap. Health insurance is not just a financial product; it is an enabler that ensures their passion for healthy living remains intact, even when medical risks arise unexpectedly. Our mission is simple: to make health protection as easy as booking a sports court. Fast, transparent, and affordable,” explained Juanri.
The increase in medical costs is influenced by annual inflation, the demand for medical technology, and the complexity of healthcare services. Without adequate insurance protection, the financial risk of illness can disrupt long-term financial plans.
More Inclusive Access to Protection
As part of the Cermati Fintech Group ecosystem, Cermati Protect is committed to providing more equitable access to insurance. Through an integrated digital platform, users can transparently compare and choose health insurance products, both outpatient and inpatient, from various trusted insurance partners in Indonesia.
Health Insurance Promo from Cermati Protect
Cermati Protect is committed to continuously providing protection solutions that are relevant, accessible, and focused on the needs of every individual and family. To help the public take the first step in completing their personal protection, Cermati Protect is hosting a special program at the start of this year. Users can utilize the promo code PESTAKES15 to enjoy a 15% discount applicable to all health insurance products. The promo is valid for all payment methods for a limited period from January 1–31, 2026. More information can be found at: https://www.cermati.com/promo/asuransi-kesehatan-pestaskes15.
Cermati Protect also provides various other types of protection, such as Shipping and Logistics Insurance, E-Commerce Purchase Insurance, Domestic and International Travel Insurance, Employee Health Insurance, Motor Vehicle Insurance, Liability Insurance, and more. Learn more about Cermati Protect products via protect.cermati.com and download the Cermati app for various other protection services.
OUR PRODUCTS
PT. Dwi Cermat Indonesia
Jl. Letnan Jend. S. Parman Kav. 22-24
Jakarta Barat