Role Of Insurance Is becoming Claimed in Developing Economics

In this time, pension fund and insurance is monetary service institute which not yet got place [in] liver many people [in] this country. That thing is proved by still the so small penetration of insurance in Indonesia. Even if observed the [by] role of to development of economics, possible [of] role of insurance a long way off below/under role of banking. mustered [by] a success Data [of] Association Life Insurance Indonesia ( AAJI) show only [about/around] 2% from totalizing Indonesia population equal to 220 million [soul/ head] which follow insurance program. Association Insurance Social Security Indonesia ( AAJSI) also lay open similar fact. Till in this time, totalize fund of kelolaan entire/all member of AAJSI, covering Jamsostek, ASABRI, ASKES, Taspen, and Service of Raharja only Rp 150 triliun. Comparing with neighbouring state for example a success Malaysia [of] Rp meraup 800 triliun full scalely populations only 24 million [soul/ head]. Singapore even more awful again. They earn to muster fund of society equal to Rp 500 triliun, full scale though the populations of only 4 million [soul/ head]. Looking into the mirror of above fact, hence entire/all insurance association in Indonesia that is, [Common/ Public] Association Insurance [of] Indonesia ( AAUI), AAJI and of AAJSI together with Council Insurance Indonesia ( DAI) mutually agree to to canvass for government [so that/ to be] concentrating larger ones to insurance industry in Indonesia.

They assess, in this time support of good government [of] circle of regulator and of nonregulator minim still. This matter become one of [the] cause still the so small role of insurance industry and pension fund in national development and economics. Like known, in this time governmental**government******* is emboldening development of infrastructure. Level of fund which required in development of infrastructure project, according to Raden Pardede, team chief defrayal of development of infrastructure ( Tired TPPI) [of] US$ 140 milliard in 5 year forwards. expected Banking circle can assist to defray the project of the infrastructure unable to do much. Many banking practitioner circleses worry of the happening of mismatch if banking forced to defray development of infrastructure is long-range project, though almost 90% banking third party fund are fund short-range. On the other side, insurance industry which generally have long-range fund, justeru not yet shown the role of which was very isn't it. Therefore, Raden Pardede expect to insurance industry can share bigger to defray development of infrastructure remember fund kelolaan of pension fund and insurance are long-range fund.

Insurance Summit

Will do not willing to fail with pamour of Infrastructure Summit is which is just carried out by government hence industrial circle [of] insurance even also [do/conduct] similar activity. Activity network 2 the day started by visit to Palace Vice President of Jusuf Kalla. [At] opportunity, they ask instruction to government to improve growth and role of insurance industry as national economy pillar. Insurance circle even also promise to immediately to deliver proposal recommend to government so that government earn immediately [do/conduct] positive stages;steps to push acceleration of growth of role of financial institution of nonbank the including pension fund and insurance. In Insurance Summit which is have theme “ Do step early going to prosperity of nation” with subtema “ Insurance national mobilization for the security [of] finance and prosperity of society” have been studied some important topics which related to acceleration of growth of insurance industry in Indonesia. Some speakers, like Ken Boag representing World Bank, Yves Guerard as Secretary General Association of Aktuaria International, Raden Pardede as Chief of TPPI, and David Richardson representative of Price Waterhouse Coopers have given clear explanation and totally concerning how to improve growth of insurance industry in Indonesia. Minister Coordinator Economics of Aburizal Bakrie in greeting opening of Insurance Summit also greet positively [of] insurance association plan with DAI utilize acceleration of growth and role of parallel to insurance industry so that domicile him with other monetary industry like capital market and banking. Even, he expects during the near by industrial circle [of] insurance give the recommendation of concerning stages;steps which need to be [done/conducted] [by] government specially which related to policy of taxation.

Events of Insurance Summit closed by Insurance Gala Dinner which isn't it Minister For Finance of Jusuf Anwar. In his greeting, Jusuf explain role of insurance industry still not yet equal to banking in managing society fund. Data Treasury Department show total***totalize**totalized*totalizing*** [of] asset company of insurance in Indonesia ( including guarantee and social) till 2004 then reached Rp 118 triliun. Total [of] this asset mount 25,5% compared to similar asset [at] 2003. Forwards, he expects society fund mustered by company of insurance besides it is of course pension fund and banking, can more exploit especially for the defrayal of infrastructure project. Proposal recommend In fact, recommend any kind of which included in proposal the the readyness of will be delivered to government? According To Evelina F. the Pietruschka recommendation for example, improvement of socialization concerning insurance benefit which is important also for monetary planning [of] family. Insurance circle expect the the socialization entangle student circle and student in all Indonesia. Even, hitting important [of] this insurance him can be packed into [by] separate curriculum for middle student. Besides, government is also expected isn't it special day for insurance. On, insurance circle can [do/conduct] with refer to seminar [regarding/ hit] importantly [of] insurance him at the same time introduce and market insurance product had. With existence of socialization concerning insurance benefit and insurance day cymbal, expected [by] awareness of society for have insurance [to] to become higherly. Besides above matter, government also is compiling Architecture Insurance Indonesia ( API) relating [at] Indonesia financial sector architecture, so that position and role company of insurance in Indonesia become directional and clearer. Some the recommendations expected will push growth and reinforcement of insurance industry in Indonesia at the same time improve the role of in national development and economics. Hopefully.

Jasa Raharja Insurance

Name: PT. SERVICE of RAHARJA ( Persero)
Area of[is Effort: Social Insurance [of]
Owner: 100% owned by State Republic Of Indonesia Legal Fundament * Regulation of Government of Number 8 Year 1965 concerning Founding Of Company Of State Damage Insurance of Djasa Rahardja * Decree Minister for Finance Number of KEP-750/MK/IV/11/1970 the 18 November 1970 concerning Statement concerning Company Of State ( P.N.) Damage Insurance of Djasa Rahardja as Effort State like such yg in sentence ( 2) Section [Code/Law] of No. 9 Year 1969 * Regulation of Government of Number 39 Year 1980 concerning Transfer Of Form Public Company Of Damage Insurance Service of Raharja Become Company Of Copartnership ( Persero) Capital Copartnership: Rp. 500.000.000.000 Paid-In Capital: Rp. 250.000.000.000 Akte Founding: Deed Number 49 28 Februari 1981 which made before Imas Fatimah, Lawyer, Notary [in] Jakarta, yg have is several times altered and added, ad for with Deed Number 76 24 July 2003 which made before Martin Roestamy, Lawyer, Notary of Jakarta. Business Activity: Executing Accident Insurance passenger of publik transport appliance and responsibility insurance according to hokum to third party as arranged [by] UU No. 33 and 34 year 1964 following regulation of execution of him. Network Office: Service of Raharja have 27 office of branch, 59 representative office, 68 representative sub office, and 408 Office With spread over Samsat in all Indonesia Head Office: Jl. HR. Rasuna Said Kav C-2 Kuningan-Jakarta 12920 Telp. ( 021) 5203454, Fax. ( 021) 52220284 Website : Enamel www.jasaraharja.co.id : pusat@jasaraharja.com.

Why Family Health Insurance Plans Are Important?

Health is our most valuable asset and health of our family members is even more precious. Expenses on health care have seen a steady increase in recent years as we and our families are looking for a lifestyle change. Consequently, health plans and family health insurance have gained immense importance. Now, we are not only choosing health plans for ourselves, but also for our family members. In India, many of us prefer to purchase a family health insurance to avoid financial risk and ensure medical care for the future.

The family health plans are important because:

• They provide wider cover than any other health insurance purchased for an individual.


• Expanded cover gives you more value in return of the premium paid by you.


• The coverage is shared amongst the members of your family, hence your entire family gets protection under a single plan.


• Major medical treatments and hospitalization expenses are covered under a single family policy.


• Additional benefits like Cashless claim facility, tax saving under section 80D of the Income Tax Act, 1961 are availed to you.


• The family policy also covers the expense of your preventive health tests and offers you discounted coupons per family plan.

Family Health Insurance induces greater benefits as we do not have to bear a large portion of the amount from our own pocket. Most of the costs are directly managed by Third Party Administrator (TPA).

Health of our family members is always a matter of concern for all of us. The best way to deal with this concern is to opt for a family health plan.

Where Can You Find a Cheap Health Insurance Quote?

Cheap health insurance quote can be found just about anywhere. Whatever your preference, a quote is easily attainable.

The old way to track down an insurance quote is to go directly to the source. Head to your local insurance office in person; sit down with an agent, and find out what discounts and rates are available. Keep in mind however, that your idea of a health insurance quote and your agents may be totally different.

The easiest and best way to get a free quote is to get it online. There are seemingly thousands of Web sites today that offer free quotes. Not only does the abundance of Web sites make it easy to get a health insurance quote, but it makes it easy to get multiple quotes. In the time it would take you to visit a number of different agencies, you could get twice the number of health insurance quotes without leaving the comfort of your home! Below are the three main factors you should look at when deciding on the most affordable quote for you:

First: Find out what your monthly payment will be.

Second: Ask about the kinds of expenses you can insure with the plan.

Third: Make sure you understand the deductibles.

In order to get the most affordable health insurance quote, it's important to shop around. Focus on these three factors to find an affordable quote. Your cheap quote is sitting out there waiting for you. It is up to you to decide how you wish to go about claiming it.

Catastrophic Health Insurance Plans - What You Need to Know

Know the Plans

Because Americans are so used to the idea of having coverage before they meet their deductible, it's important to know what type of plan you are buying when and if you make the switch to a catastrophic health insurance plan.

Benefits to ask about

While shopping, ask the insurance company or your agent the following questions:

• What is the lifetime maximum benefit?
• What is the annual maximum benefit?
• What is my stop loss, or the most I could spend in a year?
• Is preventive care covered before or after the deductible?
• Are accidents covered before the deductible?
• Can I use funds from my health savings account to pay for medical expenses pre-tax?
• What is the financial rating of the insurance company?
• What doctors can I see, and receive in network benefits?
• Can I get benefits for seeing a doctor who is out-of-network?
• Am I covered overseas?
• How does the plan cover me once I have met my deductible?
• What is my family deductible?
• By approximately what % does this insurer raise rates by each year?
• Does my plan include any dental coverage or discounts?

Once you have the answers to the questions above, you are well equipped to make a decision.

It's easy to find a good plan. Just know that a lot of catastrophic health insurance plans cover 100% of expenses after the deductible are tax advantaged and have high lifetime and annual maximums. There are a lot of plans with large networks and low stop loss' for the year. Make sure you don't get stuck with a plan that's skimping on the areas above, because it's simple to find a plan you will be happy with.

Health Insurance For Healthy People - The Principal Ways of Cutting Cost

If you know that you are a healthy person and you rarely fall ill, you don't need to pay the same rate as people that always fall ill or people with particular illness or infection.

The best way to get the best premium rate for your cover as a healthy individual is to look for the insurance company that will give you a reasonable discount for your health cover. The option I will advice people with healthy life style is the co-pay or the discount health insurance. In discount health insurance, you will allow your insurer to pay your bill to a certain percentage while you complete the rest. Normally, the payment starts from you. You need to choose your cover as it concerns you not as it has or should be. That is the reason why I always advice people to seek advice from professional who will tell you how to choose right and how to choose the best company to buy your cover.

There are so many insurance companies online but you have to choose the company that will give you better deal in times of premium package and services. There are some insurance companies that have professionals that will advice their customers on health matters. So it will be nice to scout for professional agent that will advice you on where to get the best and the cheapest cover for your insurance cover be it health insurance, life insurance, auto insurance, home insurance etc.

Insurance is a necessity, but you can keep the cost low. Do not pay for what you don't need.

Life Insurance - How Will You Feel?

How Will You Feel?

If you are considering purchasing a life insurance policy, paint yourself a picture that will help you make your mind up once and for all. This picture can be painted a million different ways, but it will always have the same underlying theme. The theme of this painting is "You", how you will feel at a given point in time; an image of your caliber.

The perspective of such an insightful exposé is not only your own, this is important because it is an honest reflection of who you are, who you want to be and how you will feel according to your choice. However, more importantly it is the perspective of your loved ones, your spouse, the children who look up to you, your siblings; "How will you be seen in all their eyes when that final important time comes? How will you see yourself in their eyes?"

You find out that little something that has been bothering you is not so little; your doctor has just given you a death sentence, and it is a matter of months. Your health has declined recently but this time you will not bounce back. It does not matter whether or not you have lived a long and full life, or if you are young and just putting down roots where your family can grow. The time for action is past at this point, there is no recourse, the die is cast and your path is set before you.

It is time to inform the people this will affect. Emotions are not all that is involved in these circumstances. Your spouse will be devastated as it is but, "What decision did you make that will affect him or her further and what about the kids and their future?" There will never be a cure for grief, but you have the chance during life to stem the financial hemorrhaging that will take place when you die.

The only choice you could have made to help you at this point was to plan and purchase the appropriate life insurance policy for your surviving family loved ones. The alternative is unbearable; it is too late to get a policy now. The worst is looming in the very near future, the bills are coming and the money is stopping. This is quite a departing gift to leave your soon to be widow and children. This information will be part and parcel of what you have to share about your diagnosis. As if the news wasn't bad enough. The shame of this thought alone should shake you to determined action.

Informing your loved ones that you will be leaving them soon is about as hard as it gets because you are face to face with your own mortality on top of the hurt that will come into the lives of those you have worked so hard to protect. Think about that for a moment. It will be crushing to them.

So, do what you can in life, to protect them in your death.

There is one point of solace; you have done everything you could to make this painful transition as easy as possible.

When you are gone, there will be finances to handle your final expenses, medical bills, funeral costs, etc. These items your family will not have to worry about. Your kids will still have the money to go to college; the house will be paid for.

This is perhaps the best expression of love you can show for your family; that you had the foresight to plan beyond your own lifespan to provide and protect the people you love. You may be departed soon, but you have taken a situation we all deal with and made the best choice for you and yours.

Praise yourself right now for being able to have the forethought to act upon prudent notions to assist you with your decisions while you are alive.

Inexpensive Health Insurance For Smokers and Drunks

Every body knows that smokers and drunks are charged higher for their insurance coverage. There are ways by which you can keep your insurance cover cost low as a drunker and as a smoker. If you need a cheap health cover as a smoker, you need to scout for the company with the highest discount percentage and buy your cover. You can reduce your cover rate by several percentages if only you can locate the company with the most moderate package for the insured.

There are so many insurance companies online and all the insurance companies online are looking for customers. So you have to take advantage of the simple fact that you are a potential customer to get the rate the best suit you. There are some people despite the fact that they smoke and drink, they rarely fall ill. Such people pay their premium and don't use their cover. If you are in this category, then you have to find a means of getting the lowest cost health insurance cover.

The best way to reduce your cover rate is to choose the co-pay or the discount health insurance for your health. Discount health plan will help you to pay the rate you like, discount health plan with help you to decide and dictate your premium rate.

Note: this policy plan is not very good for people that always fall ill.

I have always advice people to get a professional agent that will advice them on the best policy plan for their health and how to find the company that will give them the best of service and rate. Health insurance is a necessity but you can keep the cost low. Do not pay for what you will not need or what you will rarely need. Keep the cost low by all means.

BALI INSURANCE SERVICES

COMPANY PROFILE

Indonesia Insurances is operated by Bali Insurance Services which was founded to answer the market demand of reliable and affordable insurance plans. The founder, Fransisco Redy has been working in insurance field since 2002, mostly dealing with health and life, automobile, cargo, as well as commercial and dwelling properties such as houses, restaurants, villas, hotels and restaurants. During that time he serves both locals and expatriates.

OUR GOAL

While self-consciousness about the needs of insurance has just been growing, the lack of insurance knowledge and the quite many new and old insurance products available in the market (from various insurance companies in Indonesia), is just another hard task -if we cannot say it as an obstacle - in choosing the right insurance plan.

It is our task to provide the market with proper information and professional advise before buying a certain insurance plan. What do they want, what do they really need, what other additional coverage can they get with minimum cost, how to claim - are always in our mind when dealing with customers.

Learn from the below situation:

Case Study

Situation:
Mr. J previously join a health insurance for his son with company's corporate insurance. The first year he bought at US$150 per annum. Due to some claims he made, now the extention would cost US$200 per annum. He asked us how to reduce the price . . .

Advise:
The expensive part of medical care is hospitalization, meanwhile general illness such as seeing the doctor plus the presciption often cost lower and still affordable. Upon several consultation he decided to take hospitalization case only PLUS additional life insurance. He now pay only US$110 per year for BOTH he and his son including a life insurance of US$10,000 each (learn more in "How to choose right insurance service")

Remember also, that several insurance sales sometimes think that you already know their products and they do not need to explain in details unless(well, unless you ask). The result - they make some calculation that might be not of you think, and this can make some difference, especially in investment insurance!

IS IT SAFE? HOW WE WORK FOR YOU?

We cooperate with Indonesia and join-venture professional insurance companies throughout Indonesia. We collect and learn information of each product they have.

We are not a one-time-sell insurance agent. We would prefer to talk to our client in more personal way because only this way we can really understand what they actually really need.

In consultation, we provide you with several choices of plans and transparent information to be considered before buying. When everything is agreed, we deliver the registration form to the selected insurance company, and they will continue the process.

The above process is NOT the end of the deals! We still provide you with ongoing support. If, for example, in the middle of the contract you are interested to propose loan to the insurance company, or have a claim but not sure how to do it, we are still here to assist at no cost!

HOW TO CONTACT US AND GET A QUOTE?

In order to get the free advice and quotes of insurance plan, please email us at info@indonesia-insurances.com or use our contact form.

You can also contact us at the following address:

BALI INSURANCE SERVICES
Tukad Bilok 15B,
Denpasar, Bali, Indonesia
Tel / Fax. +62-361 237507

Bali Insurance Services Team

Accidental Death Insurance - An Introduction

In the movie entitled "With Honors," Brendan Fraser and Joe Pesci had a conversation about life. It was argued by Joe Pesci that life has no guarantees. In short, anything can happen. This is probably the motto of car insurance companies considering the nature of their business. Insurance thrives through the risk and fear of accidents and death. Many people acquire insurance contracts in order to be protected from any risk that they may encounter in their everyday lives. An insurance contract ensures that a person and his loved ones are secured from possible loss of life and death. It earns profit in exchange for the security that it provides to its customers. This is the reason why insurance is sometimes called as a risk-transferring device.

An accidental death insurance is a kind of insurance contract where an insurance company insures a person for any accident that may cause death. This type of contract works by paying the beneficiaries of the insured, usually his or her relatives and family, in case of death on the part of the insured. The cause of the death must be within the coverage of the insurance contract. Otherwise, there will be no indemnity given to the beneficiaries.

An accidental health insurance is highly advisable to be taken by persons who are involved in high-risk jobs or those who will go to dangerous places. Construction workers, soldiers, and acrobats are usually the people who can be secured the most with this type of insurance. Meanwhile, people such as businessmen or pilots who go to different countries where security is not that good and there is a great threat to their lives, can also be secured by this type of insurance.

A good type of accidental health insurance is an insurance that has a low premium but comprehensive coverage and high indemnity. Usually, a premium is set based on the risk involved, the coverage of the insurance policy, and the amount of indemnity in case of death of the insured. By taking into consideration this fact, you will be able to maximize the amount of money that you will spend for the insurance contract.