That's it. No fifth secret factor, no manual adjustments, no “commercial considerations.” The weights don't move for anyone — and they switch on only once every input is sourced to a standard we can cite.
What is scored right now: nothing. Here is what you see instead.
What each number will mean, and why it's weighted that way.
1. OJK claim-paid ratio
The share of claims an insurer actually pays out, as reported in its OJK annual filings. We will use the most recent published figures and cite the report each number comes from.
Why this weight: It gets the biggest weight because it answers the only question that matters when things go wrong: does this company pay? A cheap premium from an insurer that fights every claim is not cheap.
2. Customer satisfaction
Aggregated ratings and survey data from real policyholders — service speed, claims experience, how it feels to actually deal with the company. Sources will be named alongside each score.
Why this weight: Claim ratios tell you if they pay. Satisfaction tells you what the other 364 days a year feel like — renewals, questions, paperwork, response times.
3. Product breadth
How many genuinely different needs the provider covers well — plan tiers, add-ons, family options, expat-friendly cover.
Why this weight: A provider that can grow with you (add a spouse, upgrade a tier, cover a new car) saves you from re-shopping the whole market every time life changes. It matters — just less than getting paid on a claim, which is why it gets 15%, not 40%.
4. Financial strength
Capital adequacy (RBC ratio), assets, years in operation, and — where available — international ratings.
Why this weight: Insurance is a promise that has to survive decades. A strong balance sheet is the difference between a promise and a hope. Weighted at 15% because OJK's solvency rules already filter out the worst — this factor separates solid from very solid.
What money never buys.
We earn fees from partners — that's spelled out in full on our disclosure page. But money never touches the ranking. Specifically:
Re-verified quarterly, dated on the page.
Plan facts and provider profiles are re-verified every quarter against the insurers' current public rate tables, brochures, and OJK publications. Every comparison table shows a “last verified” date (currently Aug 2026; next review Nov 2026), so you can see exactly how fresh the numbers are — and judge us if they're stale.
One thing dates don't fix: estimates are indicative. The premiums you see here are our best reading of published rate tables. Your final premium comes from the licensed insurer after underwriting — your age, health, vehicle, and history all move the number.
What this methodology can't do yet.
A ranking is only as good as its coverage, so here's ours, honestly:
If an insurer isn't listed, that means we haven't profiled it yet — not that it's bad. And being listed means “profiled from public information,” not “endorsed” or “partnered.” When scoring goes live, “#1 here” will mean “best of what we cover,” not “best in the universe.” We'd rather say that out loud than let you assume otherwise.
See what we publish today.
20 insurer profiles, ordered exactly the way this page describes — no scores until the inputs are citable.