In our enlightening interview with Iwan Juwono, Head of Insurance at Grab, we delve into the next frontier for insurers: bridging the protection gap and extending coverage to the underinsured population. Juwono emphasizes the pivotal role of Insurtechs and their digital capabilities in democratizing access to insurance, ensuring that everyone can benefit from their protective umbrella. Looking ahead to 2023, Juwono envisions a year of improvement and kaizen, where the focus lies on fulfilling the promise of technology in enhancing insurance experiences.