JAKARTA — A recent train collision involving a KRL Commuterline train and the Argo Bromo Anggrek in East Bekasi on April 27, 2026, has once again highlighted the importance of financial protection in Indonesia’s public transportation system.
Following the incident, the Indonesian government confirmed compensation payments of up to Rp90 million for the heirs of victims who lost their lives. The compensation is distributed jointly through PT Jasa Raharja and PT Jasa Raharja Putra.
According to Syukrio Idaman, a lecturer in Actuarial Science at Universitas Pertamina (UPER), the compensation figures are not arbitrary but are based on detailed actuarial calculations developed long before accidents occur.
“People need to understand that compensation schemes like this are carefully formulated through actuarial analysis. These are not random numbers, but the result of extensive risk calculations,” Syukrio said in a statement on Thursday (May 7, 2026).
Compensation Backed by Actuarial Risk Analysis
Legally, Indonesia’s passenger accident protection system is rooted in Law No. 33 of 1964 concerning Mandatory Passenger Accident Insurance Funds.
From an actuarial perspective, the regulation serves as a flexible legal framework designed to ensure compensation values remain relevant amid changing economic conditions and inflation.
Beyond death compensation, the protection scheme also covers injured victims, with medical treatment costs reaching up to Rp50 million. The funding allocation is shared proportionally between Jasa Raharja and Jasa Raharja Putra.
Syukrio explained that actuaries play a crucial role in ensuring insurance institutions maintain sufficient reserves to respond quickly when accidents happen.
“To guarantee funds are always available, actuaries rely on actuarial modeling. This mathematical approach predicts future loss probabilities, allowing insurance providers to determine how much reserve funding must be prepared,” he explained.
The actuarial process combines statistical analysis, probability theory, and financial forecasting to estimate potential risks in transportation systems and other industries.
Public Still Unaware of Double Claim Opportunities
Syukrio also highlighted the lack of public awareness regarding potential double claims involving Jasa Raharja and BPJS Ketenagakerjaan.
According to him, both institutions serve different but complementary functions.
“If a victim dies in an accident while traveling to or from work and is registered with BPJS Ketenagakerjaan, the family may file claims with both institutions,” he said.
He explained that BPJS Ketenagakerjaan protects workers from employment-related risks, while Jasa Raharja specifically covers risks associated with public transportation accidents.
This integrated protection system, he added, reflects broader efforts to strengthen Indonesia’s social safety net and aligns with the United Nations Sustainable Development Goals (SDGs), particularly Goal 8 on Decent Work and Economic Growth.
Universities Play Key Role in Strengthening Risk Management
Acting Rector of Universitas Pertamina, Djoko Triyono, emphasized the importance of higher education institutions in building national resilience through risk management expertise.
“Actuarial science transforms uncertainty into measurable financial protection for society,” Djoko said.
He added that universities have a responsibility to produce future risk management professionals with strong integrity and technical competence.
“Through academic development, Universitas Pertamina remains committed to preparing experts capable of ensuring social protection systems are fair, secure, and sustainable for all levels of society,” he concluded. (*)