Indonesia's smartest TPA platform

Health insurance, finally intelligent.

LUCA is the all-in-one TPA platform that automates claims, enrolls members, connects providers, and gives your HR team real-time visibility — all from a single workspace.

No credit card requiredBPJS-compatibleSOC 2 Type IIIndonesia data residency

150K+

Claims processed/mo

320+

Employers onboarded

2,400+

Provider network

< 4 hrs

Avg adjudication time

Platform capabilities

Everything your HR team needs

One platform connecting employers, members, and healthcare providers.

Automated Claims

AI-powered adjudication processes claims in minutes, not days. Built-in rule engine with policy-level controls.

Member Management

Enroll families, track eligibility, manage dependents. Bulk import from Excel with smart validation.

Provider Network

Verified hospital and clinic network with real-time billing submission and digital LOA.

Real-time Analytics

Loss ratios, utilization trends, fraud signals — all surfaced proactively for your team.

Policy Engine

Configure 100+ benefit parameters, waiting periods, sub-limits, and co-pay rules with no code.

Instant Onboarding

Set up your entire workspace in under 30 minutes. KYB, benefit config, and first member import — guided.

Simple onboarding

Up and running in 30 minutes

01

Register your workspace

Enter your company name, pick your workspace URL, and create your admin account. No credit card needed to start.

02

Complete KYB & configure benefits

Upload your company documents (NPWP/NIB), choose your plan tier, and configure your benefit products with our guided wizard.

03

Import your employees

Bulk upload members from Excel or add them individually. Dependents, family tiers, and waiting periods are handled automatically.

04

Process claims & gain insight

Providers submit digital claims. LUCA auto-adjudicates, alerts your team on exceptions, and pays in record time.

Trusted by HR teams across Indonesia

"We cut our claims processing time from 5 days to 6 hours. The auto-adjudication alone saved us 2 FTEs."

Dina Rahmawati

HR Director, Teknologi Maju Tbk

"Onboarding 400 employees took less than a day. The bulk upload and validation are incredibly smooth."

Budi Santoso

Benefits Manager, Astra Group

"Finally a TPA platform that gives us real-time loss ratios. Our CFO loves the analytics dashboard."

Siti Nurhaliza

Finance & HR Lead, StartupX

Transparent pricing

Simple, predictable plans

Per member · per year. Start free. Upgrade as you grow.

All plans billed annually. Volume discounts available. Talk to sales for custom needs.

Ready to modernize your benefits?

Join 320+ employers who switched to LUCA. Start your free 14-day trial — no credit card required.