Allianz Indonesia

Allianz Group

Allianz is one of the largest global providers of insurance and asset management.

Founded in 1890 in Germany, Allianz is a company with a long history and a strong tradition. Allianz now operates in more than 70 countries all over the world and serves more than 76 million clients around the world. In addition, Allianz provides insurance coverage and its services to almost half of the Fortune 500 companies.

In fiscal 2010 the Allianz Group achieved total revenues of over 106.5 billion euros. By the end of 2010, Allianz was recorded as the world’s largest asset managers, with third-party assets of 1.164 billion euros under management.

In September 2006, an agreement to merge the company was signed between Allianz AG and RAS Holding S.p.A. Allianz AG from then on, changed its legal form to a Societas Europaea (SE), a European company. Following the registration procedures in Italy and Germany, on October 16, 2006 Allianz SE became the first company registered in the DJ EURO STOXX 50 Index.


Allianz in Asia Pasific

Asia Pacific is one of Allianz’s three major growth regions. It is characterized by its rich diversity of cultures, languages and customs. Allianz has been presented in the region since 1917, providing fire and marine insurance in the coastal cities of China.

In Asia Pacific, Allianz presents in 15 markets offering its core businesses of property and casualty insurance, life and health insurance, and asset management. With more than 14,500 staff Allianz serve the needs of over 21.5 million customers in the region. Allianz's ability to adapt quickly to local needs has been the key to its success.


Allianz Indonesia

Allianz started its operations in Indonesia with a representative office in 1981. In 1989, Allianz established PT Asuransi Allianz Utama Indonesia, a general insurance company. Furthermore, Allianz entered the Indonesian life insurance market by opening PT Asuransi Allianz Life Indonesia in 1996. In 2006, Allianz Utama and Allianz Life Indonesia started sharia insurance business.

In 2007, Allianz Indonesia introduces Allianz Center as One Stop Solutions concept, where customer and agent of Allianz get insurance services in one premise. Allianz Center has operated in Jakarta, Surabaya, Bandung and Denpasar.

Now, Allianz Indonesia presents in 44 cities with 80 service centers, supported by more than 14,000 agents with more than 1,000 employees and solid banking partners to serve our customer. Allianz Indonesia gives you insurance solution from A to Z.

In 2010, both Allianz in Indonesia; Allianz Utama and Allianz Life Indonesia reached total premium income Gross Written Premium (GWP) at IDR 5.6 trillion.

Today, Allianz in Indonesia is one of the leading insurance groups in the market who has been trusted to serve more than 1.8 million policyholders consisting of individual and corporate customers.

More Than Anyone Else, Who Needs The CLASS Act?

I'll be the first to raise my hand in response to this question. Prior to considering the Community Living Assistance Services and Supports Act (CLASS Act), the first of many health reforms which the government is working on and which was signed into law just last year by the President, I thought about purchasing a private long term care insurance policy.

At 69 and showing symptoms of hypertension and obesity, I was unfortunately told that I'll be paying a much higher annual premium. Why? Well, it appears I'll be requiring long term care (LTC) anytime soon.

Good thing I have not thought about retiring yet and I have only one reason for still working like a dog - I'm still without a long term care plan.

I've been reading a lot about the cost of long term care as of late and mind you, the value of LTC facilities here in my area is definitely much more than the much coveted Yamashita treasure which was buried in the Philippines.

There is a big percentage of us elders who wish to stay home even after an event subjects us to long term care. If I become disabled one day, I would personally prefer a home health aide to come into my home every day and assist me in my usual activities of daily living and, perhaps, I can also hire somebody to cook, clean the house, do my laundry and perform other household chores.

I learned that the CLASS Act covers both home care and community-based LTC plus it will also shoulder home modifications if deemed necessary for an individual's functional problems.

Thinking about my future and planning it seems so easy and doable until I stumbled upon the data of current long term care costs which was provided by leading LTC insurance providers. Looking at the huge figures made me wish that these are at stake in the lottery instead of being the current value of LTC services.

I can't believe that those who are currently receiving home care are spending approximately $155 a day for a home health aide's few hours of services. Those who require homemaker services are forking out $139 a day! These numbers do not include their daily expenses on food and other basic necessities yet.

I wonder how much I'll need when it's my turn to receive care 20 years from now, as LTC experts predicted cost of care will be four times more than what the public is enduring at present. I'll be 89 by then and I can only pray that I'll be able to manage my future health care expenses.

Hopefully, by the time I'm 76 I would be done paying the five-year annual premium of the Act as it won't be until 2013 before the public can apply for membership and start paying the premium. Even if I retire from my present job which I've been dedicated to for the past 30 years, I can secure a home-based job to avoid being disqualified from this health program. It is, after all, stipulated in the Act's guidelines that anybody aged 18 and older who is employed or self-employed is eligible to apply for membership.

Winter Sports Travel Insurance: Essential Planning For Any Winter Vacation

Winter sports travel insurance is considered to be a great way to safely prepare for a winter vacation. Regardless of the place you intend to spend your vacation, you can still expect the insurance to work suitably for your needs. Here are other tips that are capable of helping you enjoy your winter:

1. Dream List: Create a list of the different places that you intend to visit during winter. When making the list, make sure that you consider factors like your budget, logistics and the amount of time that you want to spend in there.

2. Amenities: Include in your list places that are capable of providing you the kind of amenities that you desire. If you are travelling with your kids or an elderly relative, then you also have to make sure that you look for a place that can offer activities that are suitable enough for everyone in your family. In addition, think about other comforts such as an old-fashioned fireplace or easy access to ski hills.

3. Research: Gather as much information as you can get about each of your choices. You can obtain a lot of accurate details from the tourism website in your state, travel agent, travel guide, close friends and relatives. Once have some research notes prepared, it will be easier for you to make decide what kind of winter vacation you want.

4. Activities:Make sure that you research the restaurants, hotels, nightlife, facilities, and family activities of each of your choices. It is also important for you to check out the pros and cons of your planned destinations to ensure that you are able to pick the best choice.

5. Access: Choose the most suitable place for you and start making early reservations for your flight and hotel accommodations.

6. Insurance: Look for an insurance company which is capable of providing you a good winter sports travel insurance coverage. You have to find a legitimate one to ensure that you are prepared emergencies and mishaps during your trip. If you are planning on undertaking high risk sports like snowboarding or mountain climbing, you might need extra coverage.

7. Packing List: Create a list of the items that you need to bring on your vacation. Check your list several times to ensure that you are able to bring with you everything that you and your family need.

8. Weather Forecast: During that time when your flight is already near and you are already doing some packing, you have to make sure that you constantly check out the weather forecast on the place that you are planning to visit. This will allow you and your family to have a safe travel.

9. Winter Clothing: Make sure that you pack clothing items that are not too light so as to keep you freezing during the winter season and not too much so as to give you a hard time maneuvering your things. When it comes to this, you are advised to make a plan as to the most functional clothing items for your winter vacation. In order to pack the right clothing, refer back to step 4 - what activities are you planning on during your vacation?

10. Winter Accessories: Although many winter resorts will sell winter gear, it is best to bring your own equipment from home. Suggested accessories for winter travel scarves, ear muffs, gloves, sunglasses and warm caps and hats. If you're freezing, you will not be able to enjoy yourself very much. If it has been a long time since you put on your winter coat and other accessories, try everything on before you go to make sure everything still fits and is in good condition. If it does not fit, then it is time to go shopping.

All of these tips are useful in making sure that you have a wonderful winter vacation whether you go to Aspen, Switzerland or Banff. But of all the tips, one thing that you should never forget tip number 6: get yourself and your family winter sports travel insurance. This will save you from facing all of the financial consequences that may become apparent whenever emergencies strike you.

Canadian Travel Insurance: Where Can I Get Travel Insurance Deals?

When it comes to traveling, it is always best to be on the safe side, because you will never know what to expect. Whether you are traveling as a tourist, a backpacker, as part of business or school, it is important for you to have a safety net, which is a Canadian travel insurance plan.

Now, finding the money for travel insurance can be a challenge. Most of us work very hard for our money, and there is nothing wrong about trying to stretch every dollar you have. Travel insurance might seem expensive to you, especially if you have already spent a great deal on hotels and plane tickets. But what about safety and peace of mind? You really can't put a price tag on that.

If you are about to travel on a limited budget, that does not mean you cannot get travel insurance. There are Canadian travel insurance deals which you can find, as long as you know where to look.

You can get travel coverage plans deals from many insurance companies and banks. But before you try to contact your insurance company, you must first determine what you want out of your travel insurance policy, so that you can get the best deals for your needs.

You need to settle on what you want the insurance to cover, particularly coverage for international travel, since most government health insurance plans do not cover out of local area expenses. If you are going to a place where they have below average medical facilities, you should make sure that your plan includes repatriation costs.

Check your personal health insurance if it is suitable enough, so that you won't have to have it covered by travel insurance. You should also determine if you want your expensive personal items insured, such as jewelry, cameras, and so on.

After determining your needs, determine who will be covered by the insurance. Are you going to be traveling as a family, with a companion, or by yourself? There are deals available at insurance companies and banks depending on specific details, such as group deals or student discounts.

Review at least 5 Canadian companies and banks so that you can compare their deals which may possibly even include airline and hotel accommodations. Get started by looking at Canada's largest banks such as Royal Bank of Canada, TD Bank, and the Bank of Montreal. Students should consult with travel agencies like Travel CUTS and student unions to see if they have specialized student discounts. You can also compare their fees to your local credit union as well. You can compare their offers and check their price listings and discount rates through their available websites.

To find out quotes on travel insurance deals, there are available sites on the internet with tools that can calculate how much they will cost. For example, World Nomads has a tool wherein you can specify your location, the policy start and end dates, and your particular type of policy (whether you will be traveling alone or with family) in order to get a quote price.

Before choosing your desired travel insurance deal, make sure to read all the details, especially the fine print, and all of the travel insurance plan's coverage. Determine the Canadian dollar amount (not the USD or Euro amount) for that particular plan. If it has a minimum amount, check its coverage to see if that would be enough for your needs. Also, make sure that the company has a nonstop emergency telephone hotline. If you get injured on the weekend in a foreign country, the last thing you want to hear is that the company is closed.