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