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KBLI Navigator/Section K/66221
KBLI 66221

Insurance Agency

Aktivitas Agen Asuransi

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskDirect Match🏝️✅Registrable in Bali· medium conf.✓OSS-verified · KBLI 2025

Insurance Agency Activity, Open Nationally and Workable in Bali

This classification covers agents acting for insurers or sharia insurers, with full foreign ownership nationally and no Bali moratorium block on the supplied record.

By the numbers
National PMA status
TERBUKA
Maximum foreign ownership
100
Open scales
Mikro, Kecil, Menengah, Besar
Bali status
Registrable in Bali
The honest national-vs-Bali picture is not a contradiction: nationally the activity is foreign-open, and for Bali the supplied status is Registrable in Bali rather than blocked.
What Changed

Unchanged from KBLI 2020 — direct match.

What You Need

**Micro / Small / Medium / Large scale**: Medium-Low risk. NIB + Standard Certificate — issued automatically. **PMA:** Fully open to PMA — 100% foreign ownership allowed.

Bali Intelligence

You'll Also Need
  • 65111Life insurance principal you represent
  • 65121General insurance principal you represent
  • 66222Insurance broker (if you represent multiple insurers instead)
Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
ProcessingSesuai ketentuan OJK/BI
2020 → 2025
Previous codes (KBLI 2020): 66221
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 66221

Source: the BPS 2020↔2025 conversion table, mechanically extracted and acceptance-gate verified. It shows which 2020 codes map to this 2025 code — provenance only, not a licensing claim: the regulatory regime of these predecessor codes has not been adjudicated as transferring.

Sources & Verification

Each data layer below traces to a government source with its KBLI vintage — or is declared as a gap. Nothing in these layers is silently filled in.

Activity definition
BPS Peraturan 7/2025 + PP 28/2025VerifiedKBLI 2025

Title and scope as defined by the KBLI-2025 classification.

locator: OSS_RBA_2025_id_version_fff4053d

Risk & licensing
OSS RBA risk scope (ruang lingkup)VerifiedKBLI 2025

Risk category and licensing rows are KBLI-2025-native from the OSS Risk-Based Approach catalog.

locator: OSS_RBA_resiko_2025

Foreign ownership (PMA)
Perpres 10/2021, 49/2021Audit pendingKBLI 2020

The investment-list annexes predate KBLI 2025; the per-code crosswalk audit of this layer is in progress. The value shown is the annex text, disclosed with its vintage.

Bali status
Bali province blocks ALL Low + Medium-Low risk KBLI for PMA (island-wide, permanent) (effective 2026-05-13)Audit pending2026 overlay

Conservative posture derived from the risk tier · confidence MEDIUM.

Dataset last updated 2026-07-26 · KBLI 2020 and KBLI 2025 reuse code numbers for different activities — cross-vintage rows are labeled, never merged silently.

Common Questions
Can foreigners operate a insurance agency business in Indonesia?
Yes. KBLI 66221 (Aktivitas Agen Asuransi) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required. (Source: Perpres 10/2021 as amended by Perpres 49/2021 — the investment-list annexes predate KBLI 2025; per-code crosswalk audit in progress.)
What license is required for KBLI 66221?
KBLI 66221 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.
What is KBLI 66221?
KBLI 66221 is the Indonesian business classification code for "Aktivitas Agen Asuransi" (Insurance Agency). It falls under Section K of KBLI 2025, the Indonesian Standard Industrial Classification updated by BPS (Regulation 7/2025). The June 2026 KBLI 2025 transition window has closed; operators should verify the code's current OSS/NIB treatment before relying on it for licensing, reporting, or amendments.
How did KBLI 66221 change from KBLI 2020 to 2025?
KBLI 66221 was mapped from previous code 66221 (KBLI 2020). This is a direct match — the code number and scope remained the same. The June 2026 KBLI 2025 transition window has closed. If an NIB still relies on legacy KBLI 2020 mappings, treat the migration as overdue and verify/remediate the OSS record before new license applications, amendments, LKPM, import approvals, or investor/worker sponsorship.

Related Codes

66222Section K

Insurance Brokerage

Aktivitas Pialang Asuransi

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
66212Section K

Insurance Loss Adjusting

Aktivitas Penilai Kerugian Asuransi

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
66223Section K

Reinsurance Brokerage

Aktivitas Pialang Reasuransi

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
66211Section K

Insurance Risk Surveying

Aktivitas Penilai Risiko Asuransi

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
66224Section K

Surety Agency

Aktivitas Agen Penjaminan

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
66225Section K

Surety Brokerage

Aktivitas Broker Penjaminan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
🏢

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