Health Insurance Claims

Health insurance claims

Addressed all your Medicare claims to the Company through the agency of Allianz madeallianz. This will help us in doing archiving files and accompaniment claim process very well.

It is important. That having health insurance, it does not solve the entire problem of financial risk your health. Because health insurance only protects the insured terhadp health risks that may be occurring in the future, rather than risk the obvious and has occurred. In this case, health insurance products must have a general provision called the Health Insurance Policy Exclusions. Based on our experience during this assistance, it is suggested that do not use your entire health budget to buy Health Insurance policy. Set aside 25% as a reserve to cover the things that may be excluded in your health insurance policy. Although we have delivered in the beginning, but it remains unpaid claims will be things that are fun for customers as well as agents madeallianz companion.

Health insurance is a very unique, because it has a limited exemption in addition to policyholders, claims the process is happening in dire need of extra service commitment. This is one thing that can not be measured in terms of quantity or value of the premium. madeallianz fully aware, that the assistance we do claim that it is not easy. However, this remains our focus to provide the BEST at customer support madeallianz with.

Have Health Insurance Claims Rates Very High and Complex

Have health insurance claims rates very high and complex. Therefore, make sure you choose an insurance agent who can provide assistance in intensive claims process.

The process is the moment of proof claim insurance on the insured promises. This is the main thing will be a customer focus, escort agencies, and companies. In this case, to reconcile the rights and obligations of customer (the insured) with the rights and obligations of the company (insurer). When, all the terms and conditions have been fulfilled according to claim Medicare policy, then none of the insurance company can deny the claim or not paying the benefits protection. All is explained in detail in the Policy book and every insurance policy has a guarantee of legal certainty in the Unitary Republic of Indonesia.

Communicate always against all things which your insurance needs to madeallianz (Including Health Insurance CLAIM you), so we get the opportunity to provide professional mentoring & committed. Has become our daily activities to always serve and assist Customer from beginning the process of buying, the filing of the claim until the realization of the payment of claims. We are confident, sincere commitment to this profession will build long-term relationship that is more meaningful to get to SUCCESS.

Allianz Health Insurance For Individuals and Collection of Employees

Allianz health insurance for individuals and collection of Employees

There are also employee welfare programs (Employee Benefit)
such as: Life Insurance collection, Severance Fund, and Financial Institutions Pension Fund.

Health insurance is the insurance needs of the most important before you have an insurance program and other investments. Since health is your basic capital to perform various activities of this life. The high pollution and the capital of the pattern of life needs no regular exercise and rest is not enough, as well as eating more instant now, all of that to further improve the HEALTH RISK. Thus, opportunities for the sick person is very high. While health or medical costs are increasingly expensive, especially the cost of hospital and medical supplies. Therefore, immediately protect yourself, family or employees with health insurance program BEST.

In general, the product consists of Health Insurance Benefit Health and Health. These two products have a very fundamental difference.

Health insurance will provide reimbursement based on the receipt of medical bills, according to plan health insurance policy benefits. Health Insurance Benefit Cross can be done, namely make a claim to more than one insurance company or the remainder of the difference in just using a copy of a file that has been legalized by the previous insurance.

Health Benefit will provide appropriate reimbursement amount per contract is planned every day patient inapnya. This health benefit can do Double Benefit, which is double the claim to more than one insurance company to the benefit of each intact. This may be a substitute for compensation of lost income per day due to risk of hospitalization.

Main advantage of all the products of Allianz Health Insurance:

• Standard QUALITY service and has experienced many years of directly managing their own health insurance programs and individual collection. This professional system called "Allianz Health Care Management".
• 24-hour protection 365 days since the beginning of membership (without the waiting period).
• Available options with claims in the cashless card system hospital providers and Reimbursement systems in all hospitals / clinics in the world without exception.
• Available Network Provider Hospitals Allianz very broad (approximately 400-an) in the entire territory of Indonesia.
• Available Network Provider Hospitals ad-Medika which is also very widespread in all parts of Indonesia.
• There are products for individuals and group health insurance as well as Sharia.
• Available options are very complete protection, such as Inpatient, Street, Maternity, Dental, and Glass Eye.
• The claim is certain, namely a maximum 14 working days since the file is received complete by the central office.
• Assistance claims by insurance agents madeallianz with team support and team dealer claims that progress reports be submitted online at the Customer Website.
  

Health Care Management System is doing some things IMPORTANT:

• Pre authorization to ensure patients are participants who are still in the health insurance Allianz Insurance policies and benefits provided in accordance with the Plan Benefit in policy.
• Quality Management Services to establish conditions for service providers throughout the hospital in accordance with the provisions of services the Indonesian Doctors Association (IDI) and regularly audit the quality of services received by participants.
• Service 24 hours / day with 365 call center systems are ready to give assistance and complaints of participants in a consistent and professional.
  

ADVANTAGE addition to Allianz Health Insurance:

Individual health insurance

• Violet Maxi program can cover the entire nuclear family members in a health insurance policy.
• Have insurance policy renewal until the age of 70 years (Article 2 point 6 of: "Can Extended Warranty Insurance Policy or Renewebility Guaranteed Policy")
• Has Plan Inpatient, Outpatient, Maternity Care, and Outpatient dental benefits to groups 1,000,000 / day.
• Inner Benefit Has a very comprehensive with a broader restriction.
• Benefit Claims which are not limited to its accumulation in a year or without a maximum annual limit.
• Available options in the program and the rupiah currency U.S. Dollar.
• Available options Sharia Health Insurance Program and non-Sharia.
• Facilities can claim to use cashless card systems with provider hospitals and Ad-medika Reimbursement system from any hospital around the world without exception.
• Progress claims via SMS to Mobile customer at any time by the head office to claim the Reimbursement system.
• There are many interesting DISCOUNTS for no claim bonus, family packages, and package savings protection.
  

IMPORTANT:
CAUSE Health Insurance in the separation with the Life Insurance?

• Inflation is very high on the cost of doctors, hospitals and drug prices, and all that obatannya unpredictable or calculated at the beginning, especially for planning the next decades. Thus, if there are adjustments to future insurance costs due to inflation, it will not alter the balance of illustrations that Link Units we agreed at the beginning. This will give a sense of security that much better and do not affect each other on each plan.
• CLAIM health insurance is very high, so that the customer requires a commitment of more intensive assistance. If the service agencies and assistance or not the company's commitment in line with expectations at the beginning, then buy a separate policy will provide flexibility that is far better to conduct the evaluation.
  

Health Insurance Collection

• This product is very flexible Smarthealth (tailormade), because it could be adjustments to the various things to find the appropriate premium to the company's needs and budget.
• Exceptions Allianz Health Insurance Policy that is more simple and clear, where there are no exceptions to specific diseases or specific drug.
• Has Plan Inpatient, Outpatient, Maternity Care, Care of teeth, and glass eyes to the benefits 1,200,000 / day.
• The minimum membership is 10 participants (not employees).
• Facilities claim to use Allianz cashless card using the hospital network providers directly managed by Allianz (not by third parties), where the difference is paid by Allianz claims that later in the bill to the company.
• Also available Claim facility using cashless card ad-Medika, where the difference between claims paid directly by the participants.
• Available Limmit iner systems, limitiations Annual, and As Charge.
• Available product choices in rupiah and U.S. dollar.
• And there is a slot other facilities.
  

Personal Insurance Consultant Bali

PIC Bali or extension of the Personal Insurance Consultant Bali, is the Mediator Insurance Services provider.

Between Various Other Insurance Products:

Health
Individual and Group Programs / Corporate with Insured Warranty is: Inpatient, Outpatient, Maternity, Dental, Glasses. This program is having an Individual & Group Insurance Program in Hospital Care with System 2 is:

1. Cashless (Exit Without Money Again)
2. Reimbursement (Pay Once, In Claim Later)
   

To guarantee the Top Guaranteed by Leading Insurance Companies and Best in Local & International Indonesia. To That You Do not Have to Doubt For Guaranteed.

To Offer Contact:
PIC Bali - Personal Insurance Consultant Bali (Indonesia Serve Offer All *)
Jl. Tukad Balian, Renon, Denpasar - Bali
Tel. 0361-8622818 and Hp. 0818495779

Protected Member DBS Insurance / Accident

Protected member DBS Insurance / Accident

Insurance is a system for lowering the risk of financial loss. Insurance is important enough to protect ourselves from these things is not unexpected that we want, such as accidents whether minor accidents or accidents that may result terrenggutnya soul.

All members will be protected DBS Insurance / Accident.

• ID Card Holder with Logo CCI other than acting as a discount card you can now enjoy the facility as a life insurance policy RIGHTS / ACCIDENTS.
• Polis card is valid for life and not be transferable, with accountability for the money amounting to Rp. 10.000.000, - (ten million rupiah) valid for one person.
  

About Life Insurance / Accident of DBS:

1. All new members registered with CCI card, will immediately get the facility Insurance (Accident) Free * equivalent BRIngin Life with sum assured (UP) worth Rp. 10.000.000, -. So that members do not have to wait to get 1 Reward Points to obtain life insurance protection (accident), simply register DBS with CCI card.
2. Insurance is not transferable. Insurance only applies to the first registered member of DBS CCI card. not a member fox profile. This means that all the new member of DBS with CCI card protected Casualty Insurance, from 1 November 2008 - onwards.
3. Life Insurance only protects the insured / member of DBS on the risks caused by the accident. The definition of accident in this provision is injured or wounded body is not the disease.
4. Protected member insurance after 1 month listed s / d: *1 year for members who register with 1 HU CCI card * 5 years for members who register with CCI card * All my life is for members who sign up directly 7 HU (CCI + 1 Card Reg Card 6).
5. Card DBS logo CCI member is Card Accident Insurance Policy.
   

Claims procedures, participants make a claim to the Office of PT. DFI to include:

• Certificate from the Police Accident.
• Certificate of Hospital Care.
• To Claim A Risks include Death Certificate from RT / RW & local Kelurahan.
  

For the insured member who is outside the city of Bandung, please file claims in the fax to the number 022-87241427. Then confirm by phone to the number 022-87241426. Claims will be processed by no later than 7 working days. So certainly not going to join DBS loss 7 HU, protected Casualty Insurance / Life for life.

Life Insurance Income Growth 5.2%

Life Insurance Income Growth 5.2%

Performance of national insurance in the fourth quarter (Q4) in 2008 recorded a total premium income of Rp 46.7 trillion or 5.2 percent growth compared to the same period (Q4) in 2007 valued at Rp 44.4 trillion.

Life insurance business data Q4-2008 (unaudit) was followed by 36 life insurance companies, consisting of 21 national insurance companies and 15 joint venture life insurance company (joint venture). For information the number of insurance companies that are members AAJI is currently 45 companies.

Chairman of Indonesian Life Insurance Association (AAJI) Evelina Pietruschka rate of income increase national insurance premium fee that is low can not be separated from the influence of the global crisis. The crisis that started from the economic collapse in Indonesia and many countries.

"So not only the insurance sector which experienced a decline like that," said Evelina in a press conference in Jakarta, Thursday (5 / 3).

For the new production of premium income (new business) a decline of 1.4 percent or Rp 30.2 trillion compared to the same period of Q2-2007 amounting to Rp 30.6 trillion.
New premium income Unit Link products increased 0.5 percent to Rp 13.93 trillion in Q4-2007 to Rp 13.86 trillion. Premium advanced (renewal) rose 19.9 percent, or Rp 16.5 trillion, compared to Q4-2007 to reach Rp 13.8 trillion.

AIA Financial Accident Insurance Share

AIA Financial accident insurance share

Rebranding the AIA AIG Life Financial on June 1, 2009 was marked by personal accident insurance (personal accident) 440,000 free of charge to individual customers throughout the country. Personal accident insurance provided with the sum assured Rp25 million for a year to each customer is also given to coincide with the anniversary of the company to 26.

"In appreciation and thanks we give added value to customers with personal accident insurance. Syaratnya simply return the form to us before July 31, 2009," said Director of Marketing & Corporate Communication PT AIA Financial Lucy Pandjaitan today. Accident insurance protection considered important because the data based on Directorate General of Land Transportation Department of Transportation last year declared each year is estimated 17,000 deaths due to traffic accidents.

Lucy highlights the changes its name to the AIA Financial crisis is not caused by the body corporate. "We changed the name not because of illness, we were very solid and the change of name was greeted positively by the sales force and our policyholders,".

Accident Insurance Claim swell

Accident Insurance Claim swell

Casualty insurance claims paid traffic PT Jasa Raharja East Java Branch swelling, following enactment of the Minister of Finance Decree No. 36 Year 2008 on the Great Benefit and Contribution Compulsory Traffic Accident Fund. Head of PT Jasa Raharja Branch East Java, Sutadji, Wednesday, mentioning, insurance claims paid in the period January-July 2009 was recorded already reached Rp149 billion.

"It's only until July 2009. Not later during Lebaran forth season that is expected to increase dramatically," he said.

Throughout 2008, PT Jasa Raharja Java branch insurance claims have been paid Rp195 billion of which around 30 percent of them paid to traffic accident victims Lebaran forth.

"It is estimated this year that number will increase again because there was an increase in insurance claim payment as set forth in Permenkeu 36/2008," she said.

The government has set up an insurance claim for the victim died from a previous accident Rp10 million to Rp20 million is raised, the victims were injured from Rp 5 million to Rp 10 million, and burial expenses from Rp1 million to Rp2 million. Sutadji explained, accident case is dominated by two-wheeled vehicle to take 70 percent share of the total cases of accidents during Lebaran forth.

Health Insurance, Need No Yes?

Health Insurance, Need No Yes?

Health insurance - I am sure every sane person, would want and want to be healthy, various efforts were made by us to maintain health and fitness of our body, ranging from exercise, adequate rest, eating nutritious foods, avoid alcohol, reduce or even avoid cigarettes. But if all that was enough? a study showing that stress people tend to be easily attacked by diseases.

As we know the stress levels of residents in urban areas tend to be higher than the level of stress in the region, the situation today as the day in Jakarta traffic, the level of competition leading to pressure and demands at work are also higher, other things such as price increases basic goods, the threat of layoffs tend to make us even more stressful.

This is also exacerbated by air pollution is increasingly not karuan, so in short our lives more at risk for diseases that cause us to be admitted to hospital, if only a mild illness just maybe this is not a big problem for us, but what if we have to surgery?

Indeed today we are all in good health, but who can ensure our health condition 5 (five), 10 (ten) and 20 (twenty) years in the future? not to mention the health costs always go up from year to year, based on the estimated increase in health costs in Indonesia average 10% per year.

So the more important for us to always keep our bodies health and provide emergency funding if the pain went, but ironically we are so far just to feel healthy healthy sometimes ignored and not set aside an emergency fund so when we pain was surprised to see the costs. many who thought that hospital costs low as what he remembers, without knowing that there was an increase in cost increases.

The question now is where your emergency funds allocated? If the answer is Good Health Insurance for you, now your task is to keep your body's health to maximum so that we can live healthily for a long time but when age began to dusk when the disease can not be avoided we can go Hospitals and expenses paid by Medicare.

But it needs to be noted for those of you who already have health insurance, please review the health insurance policy you see the benefits provided by your health insurance before you regret it if one day when it claims was a replacement and health insurance protection provided is inadequate, so the cost of we must own risk much greater.

This is where the benefits of Protector Plus Health Rider, this Rider only gives complete solutions to anticipate health problems, because the Health Protector Plus provides appropriate reimbursement for costs charges and doctor's surgery, one for general practitioners and other specialists to visit once a day. Health protection is also provided home day replacement surgery, according to the bill.

Protector Plus Health Rider also provides for your health card that can be used at Partners hospitals are spread across major cities in Indonesia, so if you use your health card does not need to pay deposits incriminating enough for us in time of emergency.

About appropriate health card bill and it is not something new, previously health insurance (from general insurance) that also provides appropriate protection bill. So, perhaps a great Protector Health compared with other insurance, but what great compared to other public health insurance?

Let's see: the public health insurance 1-year term. Every year must be renewed, and becomes increasingly difficult when the ages are getting older even though the body remains in good health. As we know someone older age and then tend to easily vulnerable to various diseases. Therefore, public health insurance can not be relied upon to provide long-term protection, especially until the age of 75 years!

The fact that the Health Rider Protector Plus provides other value-added, cost riders from investment results, where the return on investment high proven for this product is launched, much higher than bank interest. If you look at compound interest formula, of course you understand that the difference in interest is not calculated in a linear but exponentially, so that the necessary expenses.

In more simple terms: in the long term, the investment results sufficient to cover all medical expenses. At the end of a certain period (eg 10 years), people can take back all the funds already spent plus interest. Meaning: a FREE health protection during that period!

We call Health Protector Power! Of course, it would be wonderful if we stay healthy until death before, but if not, we know that protection was available well into old age.

Radiation Health Insurance

Radiation Health insurance

With the increasing use of radioactive substances and the possibility of accidents or unwanted effects, there is radiation and health insurance as a doctor who worked at the National Nuclear Energy Agency (BATAN Serpong), I wanted to share the knowledge about the effects of ionizing radiation and prevention guidelines in the event of radiation accidents.

• Radiation Accident Response Guide
• Interna contamination and Acute Radiation Effects
  

Child Education Insurance

Child Education Insurance: Prudential Insurance

Insurance Education Children, Children PRU Islamic Education Plan: Insurance education for the sons and daughters beloved

Already thinking about the future of your baby? prepare future early child, give the best for the child - your child can grow up, get the best education and must be successful, more successful than your own, that's a smart old man, scored Generation - generation of superior nation. It is now the Government has been promoting Free Schools campaign? school udah Free? what right? Yes that registration Free! but the parents still prepare budgets for the cost of purchasing books, uniforms, fees, etc. libraries. This program is intended for educational equity in the country, so that educational programs could be expanded to many areas, the better the quality of education, and be affordable for many families in terms of the spread of education Indonesia.Dari are good, but it also means high demand for learning -- is the absolute height, the days of your children grow up, kids - your kids will be competing with its neighbor to look for work, looking for his future will be increasingly competitive.

Now, elementary or junior high school graduates rather than more expensive value, the same high school graduates now just graduated junior high, high school graduates, graduates of the same S 1 right now, let alone a graduate of S 1 it is now the number've much to learn until High education S1, S 2 , S3, S 4, S 5, it requires a large cost, if you do not prepare early, it will be increasingly difficult to realize it.

Or consideration of a more positive way, education funding programs Prepare your child for the capital early on to study at the school - the school of choice. For example: her nursery school in grade school wrote, his elementary school, his junior high school, his high school, his lecture at the University Classy and Famous. Options - the choice is not always a choice, so you have to do The Specials also to son - daughter early anda.Semakin better, more funds are collected, the greater the assurance your child's educational well-organized, the more light you run your obligations as a person old.

Ok, now I just call, state your name and your child's name, your age and the age of your child, would I make illustrations of the Prudential Insurance Education, it will file an illustration I will send immediately to your email.

Serious planning Children Education Fund, Protect Your Family, I am ready to help you succeed in planning children's education.

Motor Vehicle Insurance

Motor Vehicle Insurance

Motor vehicle population is causing increasing levels of traffic accidents also increased, even according to police data, traffic accident is a "killer machine" especially in Yogyakarta, "no day without a traffic accident". Therefore, driving without insurance is a very high risk.

Understanding of Motor Vehicle Insurance

Motorized vehicles are motorcycles or motor-driven or other mechanical and licensed for use on public roads which became the subject of coverage, such as Motorcycles, Cars various types of sedans, minibuses, double cabin, truck, bus, truck and etc.

Guarantee Policy generally refers to Standard Insurance Policy Motor Vehicle Insurance Indonesia (PSAKBI) and insurance companies usually sell it in the form of guarantee package with some additional benefits.

Comprehensive Security Package - Motor Vehicle Insurance:

• Security for collision, crash, upside down, sliding, or fall;
• Security for misconduct, theft and fire
• Security for riots and strikes
• Security for Natural Disasters such as Hurricane Winds, Hurricane, Flood, Earthquake, Volcano Eruption and Tsunami
• Security for Theft by Driver
• Security for Legal Liability of Third Parties (Limit Rp10, 000,000)
• Self Accident Insurance for driver and passenger (Limit Rp10, 000,000 per person)
• Security for Medical Costs (Limit of Rp1, 000,000 per person)
  

Accident Insurance

Accident Insurance: Health Insurance

Personal Accident Insurance Program is an insurance program that provides coverage for the risk of accidents resulting in injury (body injury) or death caused by an event which comes suddenly, unexpected, coming from outside, is not desired and there is no element of deliberate of the event.

Accident insurance guarantee is valid for 24 hours with a grouping of risk as follows:

1. Risk A: Dead paid 100% JUP.
2. Risk B:
   

• Total Permanent Disability, the loss of function of both eyes, both legs, both hands, one eye one leg, one eye one hand, one hand one foot, payable 100% JUP.
• Part of Permanent Disability, which is based on the percentage change in the table.
  

3. Risk C: Replacement of all medical expenses / treatment in hospital as a result of an accident resulting in injury / illness that requires hospitalization, paid a maximum of 10% JUP.

Insurance Waiver of Premium Plus

Insurance Waiver of Premium Plus (WOP +)

Benefit from additional insurance is the exemption WOP premium payments according to the current product in case of total permanent disability due to the insured by accident or illness or being diagnosed with one of 24 critical illnesses.

Insurance Waiver of Premium

Insurance Waiver of Premium (WOP)

Benefit from additional insurance is the exemption WOP premium payments according to the current product in case of total permanent disability due to the insured by accident or disease.

Insurance Total Permanent Disability

Insurance Total Permanent Disability (TPD)

Over 24 Hours a day we give you protection from total permanent disability, if you suffer total permanent disability due to accident or illness then we pay 100% of Sum Insured TPD.
Your insurance continue to run until the insurance expires.

Insurance Accidental Death And Disablement Benefit

Insurance Accidental Death & Disablement Benefit (ADDB)

The accident is not something that is expected but when it happens, Riders gives you additional protection from the Permanent Disability and Death due to accidents. 100% Money ADDB Insured will we give the world if the insured die or total permanent disability due to accident or a percentage of the Sum Insured (as table) if the insured suffers permanent disability in part because of an accident.

Insurance Critical Illness Plus (CI +)

Insurance Critical Illness Plus (CI +)

CI + provides you with protection against 38 critical illnesses, we pay 100% of Sum Insured CI + if you are diagnosed for the first time with one of 38 critical illnesses. Among them are heart attacks, stokes, kidney failure, cancer and tumors.

Additional Insurance

Additional insurance

Additional insurance is a type of insurance that you can choose according to your needs. With this additional insurance protection insurance then you become more complete.

Insurance that you can add:

• Critical Illness Plus (CI +)
• Accidental Death & Disablement Benefit (ADDB)
• Total Permanent Disability (TPD)
• Waiver of Premium (WOP)
• Waiver of Premium Plus (WOP +)
  

Insurance Protection For The Future

My Protection Insurance
Insurance Protection For The Future

Program for life insurance protection for you who want to ensure the security of your family's welfare in the future. Funds are available from this program can be utilized by your family if something happens to you that cause you can no longer provide financial support for families.

My Benefits Protection:

• Compensation died of 100% of the Sum Insured is paid plus an additional benefit if the insured dies before reaching the age of 100 years.
• Benefits of maturity or the end of the insurance for 100% of the Sum Insured plus additional benefits will be paid if the life insured reaches age 100.
  

Insurance Preparing Future Perfect

My Future Insurance
Preparing Future Perfect

Have a happy future, a dream of every person.
Allianz provides insurance programs to guarantee your future better when you retire until you reach the age of 70 years. The funds you receive can be used to enjoy retirement to meet the various needs such as health care costs, the cost of a vacation with family and so on.

Benefits of My Future:

• With the freedom to determine age purnakarya (50, 55 and 60 years), you will get a cash collateral at the age purnakarya (retired) for 100% of Sum Insured.
• Benefits Stages for 12% of the Sum Insured each year after the age of your purnakarya to 69 years old.
• Benefits end of the contract for 100% Sum Insured you will receive when you reach the age of 70 years.
• 100% of Sum Insured if the Insured dies.
• Acquisition of premium if the insured dies during the premium payment.
• Security cash, Benefits and Final Contract Stages will remain above our pay regardless of the status of the insured life.
  

Insurance Education For Your Sons And Daughters

My Education Insurance
Insurance Education for your Son, Daughter

For you who want to set up education funds for son's beloved daughter, Allianz provides insurance programs to realize the plan my Education you take the sons and daughters get a good education and good quality.

Benefit My Education

• Benefit stages for children's education fund to a maximum of 240% of the Sum Insured plus additional benefits.
• Protection of the insured people / parents for 150% of sum insured during the period of premium payment.
• If the unfortunate insured dies during the premium payment, then the heirs exempt from paying the premiums until the premium payment period ends.
• premium payment period only until 18 years of age.
• The benefits will remain above the stage we're willing to pay regardless of the status of the insured life.

3 Individual Life Insurance Products

3 Individual Life Insurance Products

• My Education
• My Future
• My Protection

Individual Insurance

Individual Insurance: Life Insurance

Allianz Life Indonesia is proud to present individual life insurance products. Hope for the future better now no more difficult to achieve, because Allianz present to assist you in managing and preparing the funds you need.

With this product you can provide comprehensive protection for you, family, and the people you love. Until such a time as you can see your baby receive good education, or with the family to go around Europe, or enjoying a quiet retirement.

Understanding Insurance

Understanding Insurance

Insurance is a system for lowering the financial loss by channeling the risk of losing from a person or entity to another.

Insurance Act No. 2 Year 1992 on business insurance is an agreement between two or more parties, with which the parties committed themselves to the person insured, the insurance premiums received, to provide reimbursement to the insured for loss, damage or loss of expected profit or legal liability to third parties that may be suffered by the insured, arising out of an uncertain event, or provide a payment based on a person dies or lives insured.

Agency risk that channel called "insured", and the body receiving the risk is called "insurer". Agreement between the two entities is called policy: this is a legal contract explain each terms and conditions protected. Fees paid by the "tetanggung" to "insurer" for the risk it took called "premium". This is usually determined by the "guarantor" for funds that can be claimed in the future, administrative costs, and profits.

For example, a couple bought a house for Rp. 100 million. Knowing that the loss of their homes would lead them to financial ruin, they took the insurance protection in the form of home ownership policy. The policy will pay for replacement or repair their homes in case of disaster. Insurance companies on their premiums Rp1 million per year. The risk of losing their homes have been distributed from the company's homeowners insurance.

Insurer uses actuarial science to calculate the risks they expect. Actuarial science uses mathematics, particularly statistics and probability, which can be used to protect the risk to estimate the claims at a later date with reliable accuracy.

For example, many people purchase insurance policies and home ownership then they pay a premium to the insurance company. When you lose a protected place, insurer must pay the claim. For some of the insured, the insurance benefits that they receive far greater than the money they have paid to the insurer. Others may not make a claim. If it is averaged from all policies sold, the total claims paid out lower than the total premium paid to the insured, the difference is the cost and benefits.

Insurance companies also benefit investments. This is obtained from the investment premiums received until they have to pay the claim. This money is called "float". Underwriter can benefit or loss from price changes and also float interest or dividends on the float. In the United States, loss of property and deaths recorded by the insurance company is U.S. $ 142.3 billion in five years ended in 2003. But the total profit in the same period was U.S. $ 68.4 billion, as a result of the float.

Some people consider insurance as a form of betting that apply during the policy period. Insurance companies are betting that property buyers will not be lost when the buyer pays the money. The difference in fees paid to the insurance company against the amount they can receive when the accident happened almost the same as if someone bet on horse racing (eg, 10 to 1). For this reason, several religious groups including the Amish avoid the insurance and depend on the support received by their communities when disasters occur. In communities close and supportive relationships in which people can help each other to rebuild lost property, this plan can work. Most people can not effectively support the system as above and this system will not work for large risks.

Baby Health Insurance

Baby health insurance

A baby's health was in check. Function of health insurance is when he's sick pay will be useful in the treatment of infants.