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Cermati.com

Financial product marketplace and application service

Health Insurance Claim Head

Full-TimeUpdated on 10/15/2026
No salary listed
Expert
Jakarta, Indonesia
In Person
InsuranceClaims Adjudication

About the job

Requirements
  • More than 5 years of experience as a Claim Manager in insurance or brokerage firms.
  • Good relationships with insurance companies.
  • Strong adherence to service-level agreements and maintaining client expectations.
  • Ability to respond to client inquiries quickly and accurately.
  • Strong understanding of insurance terms and conditions and the claims appeal process.
Responsibilities
  • Lead the Employee Benefit Insurance After Sale team, including the Data and Claim teams.
  • Oversee claims in progress to ensure decisions meet service-level agreements and claim appraisal results are justified according to agreed terms and conditions.
  • Assist clients admitted to hospital by coordinating with insurers and hospitals when necessary.
  • Prepare daily, weekly, and monthly claim update reports.
  • Provide a 24-hour customer care helpline.
  • Develop and maintain relationships with insurance companies’ claims departments.
  • Negotiate and appeal rejected claims with insurers.
  • Monitor the endorsement process and ensure service-level agreements are met.
  • Check member cards for accuracy and send them to clients on time.
  • Assist with client closing processes by coordinating with insurers and ensuring policy terms and conditions match what was agreed.
  • Put control mechanisms in place to achieve high levels of customer satisfaction.
  • Ensure quality service and client satisfaction.
  • Continuously improve current systems and processes.
  • Promote a culture of high performance and continuous improvement that values learning and commitment to quality.
Desired Qualifications
  • A background in medicine is preferred, but not required.
  • Excellent communication, negotiation, and persuasion skills.

About the company

Cermati is a Jakarta-based fintech platform that helps Indonesians research, compare, and apply for financial products like credit cards, loans, mortgages, auto loans, savings, insurance, and bill payments. It aggregates information from banks and financial institutions into a standardized format so users can understand options and make informed choices. The service often handles parts of the application process for partners, earning commissions from successful applications rather than charging users. Its goal is to expand financial inclusion in Indonesia by making financial products easier to find, compare, and access for a population that's increasingly online but underserved in formal finance.

Company Size

501-1,000

Company Stage

Series A

Total Funding

$1.9M

Headquarters

Jakarta, Indonesia

Founded

2015

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Simplify's Take

What believers are saying

  • July 2026 BCA funding expanded Indodana PayLater reach across 180 Indonesian cities.
  • Cermati Protect launched multiple 2026 partnerships, showing active cross-sell and monetization.
  • Series D rumors from 2024 suggest investors still see scalable value in Cermati.

What critics are saying

  • BNPL default losses can hit Indodana Finance fast if consumer delinquencies rise in 2026.
  • OJK fined dozens of firms in 2026, raising compliance risk for Indonesian lenders.
  • Cermati depends on partner distribution; losing BCA, banks, or merchants weakens growth immediately.

What makes Cermati.com unique

  • Cermati groups comparison, brokerage, and BNPL under one Jakarta fintech platform.
  • Indodana Finance's BCA-backed IDR1.5 trillion facility deepens funding access for 2026 growth.
  • Cermati Protect keeps bundling insurance with tiket.com, Bumame, and DR SPECS.

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Benefits

Flexible Work Hours

Growth & Insights and Company News

Headcount

6 month growth

0%

1 year growth

-1%

2 year growth

-1%
DailySocial
Aug 12th, 2022
Cermati Is Reportedly Securing 250 Billion Rupiah Series D Funding Led by MDI Ventures | DailySocial.id

Financial product aggregator startup Cermati reportedly secured Series D round funding of $17 million led by MDI Ventures