Industry solution

Reduce social engineering risk across your insurance workforce

Give claims, underwriting, and agency teams realistic phishing and awareness training that reflects how fraud and data theft actually target the insurance sector in Indonesia.

Overview

Insurance companies hold some of the most sensitive personal and financial data in the economy, including health records, beneficiary details, and bank account information tied to claims and payouts. That combination makes insurers attractive targets for phishing aimed at claims fraud, policyholder data theft, and manipulation of payout instructions. When an attacker can influence who gets paid, or harvest the data needed to impersonate a policyholder, the financial and reputational damage adds up quickly.

Insurance in Indonesia runs through an unusually distributed model. Head office staff, branch offices, bancassurance partners, and large networks of independent agents all touch policyholder data and customer interactions. That means security awareness has to reach far beyond a single corporate office, to people on different systems, with different levels of security maturity, and often outside direct IT control. Agents and branch staff are frequently the softest entry point, and attackers know it.

Insurers are supervised by OJK and must handle personal data in line with UU PDP, which puts pressure on security teams to show that awareness efforts are structured, ongoing, and measurable rather than a single annual session. Regulators and boards want evidence that human risk is understood and improving, backed by data on testing, training, and remediation across the whole distribution network, not just head office.

Claro helps insurance security teams run simulations that reflect real claims, underwriting, and payout workflows, extend training and awareness to branch and agency staff through one platform, and track risk by department so the highest-exposure teams, such as claims processing, get attention first. Reporting maps to ISO 27001 and supports OJK and audit conversations, content is delivered in Bahasa Indonesia and English, and SSO, SCIM, and LDAP integration keep a large, changing population in sync.

Threats this sector faces

Fraudulent claims and payout redirection

Attackers impersonate policyholders, beneficiaries, or internal finance staff to redirect claim payouts, alter bank details, or push fraudulent claims through the approval process.

Phishing targeting agents and branch staff

Independent agents and branch offices are often less protected than head office systems, making them a common entry point for credential theft and access to policyholder data.

Fake regulator or partner notices

Emails or messages posing as OJK, reinsurance partners, or hospital and clinic networks pressure staff into clicking links or sharing sensitive policyholder information.

Data harvesting through fake claims portals

Cloned claims submission or policy lookup pages are used to harvest policyholder personal data, ID numbers, and account details for later fraud.

Vishing and WhatsApp claims scams

Phone calls and messaging-app lures impersonate claims handlers, agents, or management to pressure staff and customers into disclosing data or approving irregular payouts.

How Claro helps

  • Claims and policy-themed simulations

    Design phishing and landing page simulations around the claims, underwriting, and payout scenarios your staff and agents actually encounter, rather than generic templates.

  • Reach across branch and agency networks

    Extend training and simulations beyond head office to branch staff and independent agents through one centralized platform, without needing them on the same internal systems.

  • Department-level risk scoring

    Identify which functions, such as claims or customer service, carry the highest human risk so leadership can prioritize resources where exposure is greatest.

  • Multi-channel simulation

    Run email, vishing, and WhatsApp simulations so you can test the phone and messaging-based scams that increasingly target claims handlers and agents.

  • Bilingual awareness content

    Deliver training and just-in-time awareness pages in Bahasa Indonesia and English so branch, agency, and head office staff receive content in the language they work in.

  • Compliance reporting and directory integration

    Produce ISO 27001-mapped reporting for OJK and audit conversations, and keep a distributed population in sync using SSO, SCIM, and LDAP.

Frequently asked questions

  • Yes. As long as agents have a company email address or another supported channel such as WhatsApp, they can be included in the same simulation and training program as employees, even if they are not on your internal systems.

Reduce human risk in your sector

Claro brings localized phishing simulation, training, and reporting to regulated Indonesian organizations.

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