YOII (Asuransi Digital Bersama)

PT Asuransi Digital Bersama Tbk, trading as Yoi (ticker: YOII), is an Indonesian general insurance carrier that distributes micro-insurance and P&C products through digital platforms and embedded partnerships. The company was originally founded in 1988 as PT Sarana Lindung Upaya (SLU) in Semarang, underwent a digital transformation and rebranding to Yoi in 2023, and completed an IPO on the Indonesia Stock Exchange (BEI/IDX) on January 8, 2025 -- the first IPO of 2025 on the exchange.

Yoi's operations integrate artificial intelligence, data analytics, and automation into underwriting processes, customer service, and administrative workflows. Distribution relies primarily on embedded insurance integrations with digital platforms and fintech partners rather than traditional agency channels. The company serves Indonesia's mass-market P&C segment through bite-sized, affordable insurance products tailored for digital consumer ecosystems, with a strategic focus on accessibility and relevance for everyday Indonesians.

As of Q1 2026, the company reported gross premiums of Rp162.25 billion, reflecting 5.7% year-over-year growth. The personal accident line showed approximately 30% year-over-year growth during the same period. Proceeds from the January 2025 IPO (Rp41.20 billion, 412.09 million shares at Rp100/share) were allocated 80% toward marketing and distribution expansion and 20% toward technology infrastructure including an insurance wallet app, data center, cloud hosting, security systems, and AI development.