Health Insurance - Temporary Alternatives That You Can Benefit From

ortunately there are temporary alternatives to regular health coverage plans that can offer you protection during specified periods of time till you obtain a definite solution.
Bear in mind that a temporary solution is always more expensive than a definite health insurance policy. However, there are situations that require this type of solutions while you search for a new job or a fixed health coverage policy. In any case, it is important that you know and prepare yourself for temporary higher expenses on this particular field of your budget during this period.

Temporary Health Insurance Products
Temporary health assurance products are available through regular insurance companies but you need to analyze first what kind of policy you will need. The coverage of the policy will include more or less depending on the costs. However, if you want to obtain the best coverage for the lowest price, it is a smart idea to obtain quotes on the internet by doing some research. There are many online sites offering comparisons and advice on different health indemnity policies.
What to search for? Well, first of all, look for only high rated insurance companies and among them, look for policies that have the best assurance on those fields you are more interested in. Only then search for the best price you can get. After all, this is not a regular product you can haggle about. Thus, though a good price is important, having the proper coverage is far more imperative.

COBRA Health Insurance Coverage and Its Requirements
When your job is terminated and you enjoyed the benefits of group health assurance products, you can continue being insured for a specific period of time. You will retain the same coverage you had during employment which is particularly interesting because pre-existing conditions continue to be covered while with temporary insurance products you purchase later will not cover pre-existing conditions.

COBRA coverage will only last a specific period of time. It will usually end as soon as you are hired again by other employer. As regards to the payment, you will need to afford the costs yourself since the contract with your former employer ends when your job is terminated. COBRA is sometimes more expensive than a temporary health coverage, especially if your former employer paid for a high rate policy.

What Do Temporary Health Insurance Products Cover?
Usually temporary health indemnity products cover the same risks and costs that permanent ones. Yet, there may be some fees and costs that are left aside. Mainly, the following items are always included: Emergency surgeries and procedures, physician and specialist fees, in-hospital and ambulatory treatments and other medical procedures excluding deterrent procedures. And as explained above, pre-existing conditions will most certainly be excluded from coverage as opposed to the COBRA program.

How To Get Free Online Health Insurance Quotes From Multiple Companies

You are reading this article because you want to have free online health insurance quotes from multiple health care companies! You don't want the hassle of going to the offices of individual agents and provide same information again and again. You want to avoid this hassle.
Thats all possible. Thanks to Internet. It has really opened the avenue of getting multiple quotes from top companies a whole lot easier. Just few clicks of a button and the competitive rates are available for you.
To begin with you need to make a decision, whether you want to go to a specialized website that gives quote from a single company or do you want to go to website that can gather your information and then pass on to multiple companies so that you can get good rates from all these companies at the same time without repeating your information to them?
I suggest, go with the later. Provide your information only once and let the website send it to all the companies. This will save your time and will make your work easier.
This leads to another question - Which website should you choose? The one that takes your information to all the insurance companies irrespective of their reputation or should it be the one that sends your info to only top-notch healthcare companies? Of course the later. This is most important when you go for free online health insurance quote. you don't want to run in some scamming companies. There are lots of like these outside.
Once you have selected the applicable website, its now the time to enter the information that is needed to get your free quote. Entering this info doesn't take more than 5 min.
Thats it..Congratulations, you are on your way to get some interesting and competitive health insurance quote online for free and that too only from the companies that are reputed in the market.
Rahul Gupta is expert in Health Insurance and has assisted a lot of people in getting good health insurance rates. To get more tips on free online health insurance quote

Auto Insurance Advice

Car insurance is insurance people can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents. An insurance company may declare a vehicle totally destroyed ('totaled' or 'a write-off') if it appears replacement would be cheaper than repair.

Insurance can cover some or all of the following items:
1. The insured party
2. The insured vehicle
3. Third parties

Different policies specify the circumstances under which each item is covered. For example, a vehicle can be insured against theft, fire damage, or accident damage independently.

Auto Insurance Advice
Most new and learner drivers are on a limited budget are looking for cheap car insurance. Here are some car insurance tips and suggestions to consider when trying to get a low cost motor insurance policy and keep premiums down:

• Opt to pay a higher excess in the event of an insurance claim.

• If you have recently passed your driving test, investigate whether it would be cost-effective to complete the Pass Plus training programme to qualify for car insurance discounts.

• Investigate buying car insurance online as some companies offer a worthwhile discount for policies purchased in this way.

• If your vehicle is not fitted with an approved immobiliser, compare car insurance quotes with and without one fitted. It may be cost-effective to have one installed.

• Limit the number of miles you drive each year, and tell insurance companies your typical annual mileage when getting quotes.

• Use an insurance broker if you can't spare the time to 'phone or shop around to get quotations yourself. Alternatively, consider using an online service such as moneysupermarket.com to automatically compare motor insurance quotes from more than 60 providers.

• If you are a student, include End sleigh in the list of insurance companies that you contact for car insurance quotations.

• Restrict the drivers on your car insurance policy. In particular, minimize the number of young drivers under twenty-five.

• Drive a cheap car with a small engine.

• Start building and protecting a 'no claims' bonus as soon as possible. In the long run, this will have a significant impact on your ability to get cheap car insurance.

• Don't modify or customize your car.

• If your car was very cheap, it may be cost-effective to have third-party, fire and theft insurance instead of fully comprehensive cover. Compare quotes.

• Park your car in a locked garage or other, secure, off-street location overnight.

• If you belong to a trade union or professional society check whether it has negotiated cheap car insurance policies for its members. If it has, include the associated insurer in the list of companies from whom you seek quotes.

CIGNA Insurance

What is a brand? At CIGNA, we believe it is the best defined as an intangible asset made up of a set of expectations that our customers glean from what we promise and, more importantly, how we perform .

Our brand enhances our presence in the marketplace. To our customers, it conveys who we are and what we stand for and helps them choose us with confidence. To our employees, it serves as a motivator …setting an internal standard for how we do business. To our shareholders, it builds financial value. Our brand is unique, own-able and indispensable. It represents our company's single most important asset.

Our corporate identity is based on the “tree of life” - a timeless symbol that represents growth, protection, stability, caring, nurturing - life itself.

CIGNA Corporation and its subsidiaries serve millions of people worldwide through medical, dental behavioral health, pharmacy, vision, life, accident and disability benefit plans and insurance. Known as a health and related benefits company, our involvement with customers of all kinds goes deeper than handling insurance claims. While many businesses self-insure their health plans, employers look to us for the expertise, services and tools that help improve the health and well-being of their employees. Members seek our guidance in making informed health care decisions. Partners seek our direct marketing expertise to enrich their loyalty programs and services to their customers. Individuals outside the US rely on our insurance products and services to enhance their financial security.

From our roots in the U.S. cities of Philadelphia , Pennsylvania and Hartford , Connecticut , CIGNA has grown and diversified. Today, the CIGNA companies maintain networks of sales and service offices in major markets around the globe, maintaining a staff of some 24,000 worldwide.

For year-end 2007, CIGNA Corporation had consolidated shareholders' equity of US$4.7 billion and revenues from continuing operations of US$17.6 billion. CIGNA Corporation and its subsidiaries constitute one of the largest investor-owned employee benefits organizations in the United States . CIGNA subsidiaries also offer programs for groups and individuals in selected countries.

About CIGNA International…
As a key business unit within the CIGNA family, CIGNA International delivers access to superior quality health care and related financial protection programs to businesses, affinity groups and individuals around the globe.

CIGNA International has local business capability in over 27 countries and jurisdictions and services expatriates in more than 200 countries and jurisdictions around the world. We maintain a global workforce of more than 2,600 experienced professionals and a distribution force of some 4,600. For year-end 2007, revenues for CIGNA International were US$1.9 billion.

What we offer worldwide:

Directed Marketed Life, Accident and Supplemental Health

... an array of affordable insurance products for individuals, including personal accident, disability and supplemental health products – such as cash for hospital stay and critical illness diagnosis, term and variable life insurance and credit protection. We also maintain in-house expertise in alternative distribution, including telemarketing, bancassurance and other direct marketing techniques.

International Healthcare Benefits

Expatriate Benefits

… medical, dental, disability and life insurance benefits for employees of multinational companies working on short- and long-term assignments outside their home country. We maintain and provide our members access to a robust and industry leading provider network – over 500,000 U.S. ; 51,000 global; and 42,000 thru local partnerships.

Healthcare

… healthcare and medical care management services, including medical, dental and absence management in select countries. We customize programs to accommodate government regulations and business requirements.

We started our join cooperation with Bank Niaga in 1994 focusing on agency distribution channel . Later in 2002, we adopted a different marketing strategy called Affinity Marketing where we work together with business partners both in financial institutions as well as non-financial institutions and discontinued the agency distribution channel. Today, Asuransi CIGNA is a leading insurance company in Indonesia and the leader in Affinity Marketing.

Asuransi CIGNA fulfils its mission as a "Business of Caring" in helping customers enhance their lives through Life, Accident and Health insurance coverage with affordable, "value for money" products marketed through alternative distribution channels. Working with various financial and non-financial institutions, CIGNA's insurance policy holders increased significantly in number from around 25,000 in 2002 to more than one million in 2006. Apart from providing protection to its customers, CIGNA also supports the people of Indonesia through a number of community service programs including sports, educational, environmental and other social activities.

1. Personal Accident
An insurance product that gives protection against risks, likely resulting from accidents, e.g. death, total/partial disability.

2. Hospital Income Protection
Various insurance programs that offer daily reimbursements in the event of hospitalization due to illness or accident.

3. Term Life
Term life is an insurance product providing protection in case of disability or death caused by illness or accident.

4. Variable Universal Life
Variable Universal Life is also known as Unit Link – a product that combines insurance protection with investment. This product separates investments from funds allocated to cover customers' claims. The insurance company manages customer claim funds while investment managers manage invested funds. Units based on the amount invested represent customers' investments.

5. Critical Illness:
Insurance that provides coverage for critical illness such as cancer or heart attack. In case a policyholder is diagnosed with a critical illness, insurance company will pay a flat amount (or charges up to that amount) for hospital confinement (inpatient days), ambulance to or from the hospital, ICU confinement, surgery, loss of time (disability income), therapies (radiation and chemo), and even a death benefit.

6. Credit Life:
Insurance that provides coverage for those who take loans from banks or multi finance companies. Coverage typically includes life and/or disability. The banks or multi finance companies are usually the policyholder, and charges the premium to the debtor. Should the debtor become disabled or passed away, the insurance company will pay the benefit to the banks or the multi finance companies.

Headquarter Office Jakarta :

Customer Service PT Asuransi CIGNA
Menara Kadin Indonesia 6th Fl
Jl. HR. Rasuna Said Block X-V, Kav 02-03
Jakarta 12950
Phone : (021) 5299-6017 & 0804-1-808080
Fax : (021) 5299 6007
E-mail:customer.services.indonesia@cigna.com

Marketing Office Surabaya :

Address :
Graha SA Lt. 6. Ruang 610
Jl. Raya Gubeng 19 – 21, Surabaya
Phone : 031 - 5022264/ 031 – 5049206
Fax : 031 - 5049208

Marketing Office Bandung :

Address :
Graha Bumi Putra, Lt. 7 suite 701B
Jl. Asia Afrika No. 141 – 149
Bandung 40112
Phone : 022 - 4200545 / 4200646
Fax : 022 - 4200250

Marketing Office Semarang :

Address :
Metro Hotel Central Park Lt II/3
Jl H. Agus Salim No 2-4
Semarang 50138
Phone : 024 – 3562132/ 3562133/ 3562131
Fax : 024 - 3566603

Marketing Office Medan :

Address :
Gedung Graha Niaga I Lt 3
Kompleks Graha Niaga Blok B-5
Jl. Putri Hijau No. 20
Medan 20115
Phone : 061 – 4550565/ 4550774/ 4550480/ 4550565
Fax : 061 - 4550742

PT ASURANSI TOKIO MARINE INDONESIA

PT Asuransi Tokio Marine Indonesia

PT Asuransi Tokio Marine Indonesia is a global insurance company which commits to provide their customers with products and services of the highest quality, and spreads safety and security to all around them.

Supported by experienced and skilled employees, we have strong position as one of the largest general insurance companies in Indonesia.

PT Asuransi Tokio Marine Indonesia has an extensive general insurance experience in Fire, Engineering, Automobile, Marine Cargo, Personal Accident, and others.

We are a joint-venture company between Tokio Marine Asia Pte. Ltd. and PT Asuransi Jasa Indonesia and have been doing business in Indonesia since 1975. Currently we have 6 branch offices including Syariah branch, and 3 representative offices with a total employee of 230 people.

Tokio Marine Asia Pte.Ltd.

Tokio Marine Asia Pte. Ltd. (referred as "Tokio Marine Asia" – previously Millea Asia Pte. Ltd.), owned by Millea Holdings, Inc., was established on December 1st, 2002. Tokio Marine Asia was introduced and established in Singapore in order to facilitate the development and expansion of the insurance business in the Asian region.

Tokio Marine Asia also acts as the Asian regional head office to provide its group companies which are located in Singapore, Malaysia, Thailand, Indonesia, Philippines, Vietnam, India, Taiwan and Hong Kong with management and technical support.

Tokio Marine Asia is a sister company of Tokio Marine & Nichido Fire Insurance Co., Ltd., Japan (referred as "TMNF"). TMNF currently has over 25 million individual customers and 360,000 corporate customers, supported by about 17,000 employees and 70,000 insurance agents.

Millea Holdings is listed on the Tokyo Stock Exchange and the Osaka Securities Exchange, and is now the largest general insurance group in Japan, as well as one of the largest in the world.

:: Rating Information

PT Asuransi Jasa Indonesia

PT Asuransi Jasa Indonesia (referred as "Asuransi Jasindo") is the biggest state-owned (BUMN) general insurance company. Asuransi Jasindo was established on June 2nd, 1973 as a result of a merger between PT Asuransi Bendasraya and PT Umum International Underwriters.

The existence of Asuransi Jasindo keeps improving from year to year as it can be reflected from the Company’s performance and worldwide leading reinsurance companies’ support, thereby strengthens its position in the market as well makes it recognized internationally.

MANULIFE INDONESIA

Manulife Indonesia adalah perusahaan yang bergerak di bidang asuransi jiwa, program kesejahteraan karyawan ( employee benefits ), dan reksa dana ,yang mulai beroperasi di Indonesia pada tahun 1985. Sebagai anak perusahaan Manulife Financial Corporation yang berpusat di Toronto, Kanada, Manulife Indonesia dikenal memiliki kondisi keuangan yang kuat dan komitmen pelayanan yang prima untuk seluruh nasabahnya.

Berkualitas dan meraih hasil maksimal merupakan komitmen Manulife Indonesia dalam menjalankan bisnisnya. Prestasi besar yang menjadi ciri Manulife Indonesia dalam memelihara kepercayaan para nasabahnya adalah mampu menyelesaikan klaim secara jujur dan benar serta mampu mengatasi segala tantangan. Manulife Indonesia tumbuh dan berkembang bersama masyarakat Indonesia, dan kini telah melayani lebih dari 1.000.000 nasabah yang tersebar di seluruh Indonesia.

Dengan dukungan sekitar 5.000 karyawan dan agen profesional, Manulife Indonesia siap melayani dan membantu Anda melalui hampir 100 kantor pemasaran yang tersebar di lebih dari 20 kota besar di Indonesia. Dewan Direksi Manulife Indonesia saat ini terdiri dari :

• David Beynon , Presiden Direktur
• Adi Purnomo , Vice President Director & Senior Executive Vice President
• Nelly Husnayati . Executive Vice President & Chief Agency Officer
• Jeffrey P. Newnam Executive Vice President and Chief Finance Officer

Di masa mendatang, Manulife Indonesia bertekad menjadi pemimpin dalam industri asuransi jiwa, employee benefits , dan reksa dana di Indonesia, dengan menyediakan produk-produk yang inovatif dan kompetitif, standar pelayanan yang prima, komitmen jangka panjang di Indonesia serta kekuatan finansial yang solid.

PT Asuransi Aegis Indonesia

PT Asuransi Aegis Indonesia (AAI) adalah nama baru dari perusahaan asuransi lokal yang dahulu bernama PT Asuransi Hastin Utama, yang berdiri pada tahun 1988.

Sejak Maret 2000, PT Asuransi Aegis Indonesia telah menjadi sebuah perusahaan asuransi umum patungan (Joint-Venture) berdasarkan surat keputusan Menteri Keuangan no. S.085/MK.17/2000 dan perubahan nama menjadi PT Asuransi Aegis Indonesia tersebut di setujui oleh Menteri Kehakiman (SK no. C-02253 HT.01.04.TH.2001) pada 19 Juni 2001.



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Pt Asuransi Aegis Indonesia yang berkantor pusat di Jakarta, saat ini memiliki kantor cabang di Bandung, Surabaya dan Semarang serta kantor perwakilan di Solo, Denpasar dan Pekanbaru. PT Asuransi Aegis Indonesia melayani penutupan jenis asuransi umum, seperti :

Kebakaran

* Property/Industrial/Commercial All Risks
* Kebakaran dan bahaya-bahaya lain
* Kehilangan keuntungan (Loss of Profit)
* Houseowners
* Householders

Kendaraan Bermotor

* Asuransi kendaraan bermotor
* Tanggung jawab hukum terhadap pihak ketiga (Third Party Liability)
* Tanggung jawab hukum terhadap penumpang(Passangger or Driver Liability)
* Kecelakaan diri untuk penumpang dan pengendara kendaraan bermotor (Personal Accident Passanger or Driver)

Pengangkutan

* Asuransi pengangkutan darat/laut/udara (Marine/Air/Land Cargo)
* Asuransi Rangka Kapal (Marine Hull)

Welcome to PT Asuransi AXA Indonesia (AXA Indonesia)

AXA Indonesia has a range of SMART products that is designed to suit your needs and budget. The products are suitable for an individual or Small to Medium Enterprises (SMEs). The range covers insurance for your car to your home, travel and health. For the SMEs, the comprehesive packages will cater to your insurance needs for your office or shop.

Tell us how we can make this site more useful for you. Send us your comments by using the on-line feedback form under Customer Service.

About this site

This web site has been prepared by AXA Insurance Indonesia and is for general information purposes only. Whilst every effort is made to ensure the accuracy of the information contained on this web site, AXA Insurance Indonesia, its directors, employees and affiliates do not warrant its accuracy or accept any liability (contractual or otherwise) for any loss or damage arising from any error, inaccuracy or omission. None of the information contained on this site may be copied, except for personal use, or redistributed without prior written permission of AXA Insurance Indonesia. This web site is not intended for persons located or resident in jurisdictions which restrict the distribution of information by us. Those people accessing these pages are required to inform themselves and observe any relevant restrictions and AXA Insurance Indonesia accepts no liability (contractual or otherwise) in any event.

Our Data Privacy Policy

AXA Insurance Indonesia is fully committed to protecting the privacy interests of individuals who provide us with information about themselves and to complying with the requirements of the Personal Data (Privacy) Ordinance. In doing so, we instruct our staff to comply with strict internal standards of security and confidentiality. The personal data submitted by and collected from you ("Personal Data") may be used by AXA Insurance Indonesia and/or any company within the AXA group of companies and/or any of its associated companies, within or outside Malaysia, for direct marketing purposes and in this connection, AXA Insurance Indonesia may transfer or disclose that information to any of those other companies. AXA Insurance Indonesia will cease to use the Personal Data for direct marketing purposes if you request us to do so and accordingly the Personal Data will be erased or destroyed.

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Customer Service

Tel: (62-21) 522 5501-3

Fax: (62-21) 522 5504

Direct Sales: (62-21) 521 2292

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Address: Mayapada Tower 8th floor Jl. Jend. Sudirman Kav. 28 Jakarta Selatan 12920