Healthy Life Journal

PT Asuransi Jiwa Recapital (Relife) to expand its business, with customers in the region aiming Solo. Solo believed to be a potential area of insurance business.

“For our own Solo Office set a target this year premium Rp1, 2 billion with a total of 100 agents,” said Director Linda Lisa Relife, on the sidelines of the inauguration of the office 16, at 195 Jalan Yos Sudarso Solo, Central Java, Wednesday ( 9/7/2008).

In recent years, Lisa continued, public awareness of the general insurance coverage increased. For that, they felt optimistic that the target can be met.

According to Lisa, though Relife one year old now has nine sales offices in major cities. We have a total of 2300 people agents. In this Relife 2008 the number of agents targeting about 4,000 people.

Commissioner Relife Sandiaga S Uno also said, until May 2008 Relife total premium income reached Rp51, 5 billion. The number was up 900 percent compared to same period the previous year.

While asset growth reached 202 percent. Nationally, this year Relife 200 billion revenue target. “Greeting the people on Relife good enough,” he explained.

performance that relies on life insurance unit-linked products slumped by their investment strategies are too focused on stock-based investments. As a result, the crisis at the end glonal make a profit in 2008 life insurance companies dropped 29.13 percent, due to declining investment 1.3 percent.

“Performance of investment and insurance profits in 2008 should be a lesson that greed in chasing investai insurance has been destroyed,” said Director of Research Bureau InfoBank Supiyanto Eko B, in a press conference about 126 insurance rating InfoBank version, at Hotel Sahid Sudirman, Jakarta. (29/6/2009).

Performance of life insurance this year dropped by the desires of the capital that are tempted by the investment in shares. As a result, when the stock market falls, they helped unsteadily. Eko said that the amount of life insurance rating get a very good prediket currently numbering only eight companies. “Whereas in the number 18,” he said.

Eko said, the recovery performance of the life insurance industry and will depend on the capital market trends. He predicted growth of life insurance will only be 15 percent range this year. “Maybe only 15 percent of it, related to global conditions,” he said. He added, life insurance paradigm has begun to shift from protection to investment, it makes insurance agents are like they are not financial advisers. “Unit Link overseen by the regulator needs,” he said.

InfoBank research, in addition to eight who are still very good berprediket of 23 classified as good, quite good seven, five is not good, and two absent. This assessment is based on a combination of a number of criteria in industru insurance, such as risk-based capital (RBC), liquidity, and the premium reserve.

Health insurance is probably the most important insurance to have. Costs of expensive health services will be very costly if you are not guaranteed by insurance. No few people who had to sell his property to bear the cost of hospital care. You do not have to like that by having insurance.

However, health insurance is a fairly complicated product to understand because of the wide variety offered by the insurance provider. Naturally when you can be confused by it.

Health insurance in Indonesia is currently provided either by government or private. Government through Askeskin (poor health insurance) to ensure the health costs to a certain amount for the poor people Askeskin cardholders. The civil service is also guaranteed by the Government health costs through PT.Askes who paid the premiums through payroll deduction PNS.

If you are not poor and not a government employee, you can purchase commercial insurance programs run by many private companies and foreign national. In fact, PT Askes also provides programs “voluntary participation” for employees in the private sector.

Commercial health insurance can be purchased by individuals or groups (sets). Because of administrative considerations and risks, many health insurance products may only be purchased by the group, not individuals. Here are some types of health care costs that can be guaranteed by the insurance:

1. Outpatient

Outpatient insurance to cover doctor fees, diagnostic / lab, and medicine. The costs incurred are usually determined by the maximum limit for each component per visit / per year and the maximum frequency of visits in one year. Restrictions can also be enforced by requiring a GP referral before a visit to a specialist, or the coverage is only provided if the health services performed by service providers (providers) are registered.

Outpatient insurance is usually only given to participants to group insurance and additional benefits of hospitalization insurance. (In other words, can not be purchased by individuals, and should become one with hospitalization insurance).

2. Inpatient

Hospitalization insurance to cover the cost of inpatient care in hospitals, which include room costs, physician services, drugs, laboratory / diagnostic support, surgery, etc.. Characterization of hospitalization insurance is usually done by the class rooms, for example, from the lowest room class (class III) to VIP or VVIP. For each class, there are maximum limits are covered by insurance for the cost of the treatment room, the cost of medicine, surgery, etc.. Surgery alone costs will still be divided on the basis of minor, moderate or major. So, for example, people who have hospitalization insurance class III will have a maximum cost of major operations that far lower than the VIP-class participants.

Hospitalization insurance can be purchased in sets or individual. Especially for individual insurance, we can choose whether the type of insurance reimbursement or allowance is. Insurance reimbursement (indemnity insurance) is insurance that provides replacement cost we spend according to hospital bills. Insurance benefits (cash plan) provides income benefits in a certain amount for each day in the hospital, no matter what the actual costs we spend.

Insurance Maternity (Maternity)

Childbirth insurance cover medical expenses during labor and usually only given to a group of women of childbearing age with a certain minimum number of membership. When you’re pregnant, you will not be registered as participants of insurance delivery. You also can not bear to buy insurance individually.

Insurance benefits to distinguish between the benefits of giving birth to a cesarean section and normal delivery. The maximum amount of costs incurred for both different and depends on the amount of premiums paid.

Dental Insurance

Dental insurance would cover routine dental care and surgery is not cosmetic in nature. Characteristics of dental insurance as outpatient insurance where the benefit limit divided by the cost of doctors, medicines, and other services.

Insurance Glasses

Insurance costs glasses glasses, lenses and frames. Usually, insurers will limit the frequency of lens replacement in one period of coverage, only the lens only, or just frame it.

Every August 17 we commemorate the independence and sovereignty of the beloved country from the clutches of the imperialists. From year to year, every time we commemorate such an important moment, the spirit to always live in an atmosphere of freedom always surged in us.

Why is the momentum of freedom become so important to this nation? Since the declaration of independence is a momentum to have the freedom and independence in establishing national and state life. Independence is also a starting point for this country journey in string step towards the noble ideals, namely the establishment of a just society, prosperous, and prosperous.

Once we managed to achieve independence, the obligation of all components of the nation’s independence is filled with a series of development to realize the quality of community life and a better nation.

Independent Financial Burden of Risk

In a smaller scale, the meaning of independence for every head of household is the flexibility to run the noble role as the main breadwinner for tercinta.Bagaimana family sejahteranya life with you? In the middle of your enthusiasm in their role as primary breadwinner in the family, you should carefully against the possible emergence of events / unexpected misfortunes that can happen at any moment.

Even if the uncertainty / misfortune comes, make sure that the “freedom” to enjoy your family life is not stolen sejahteranya granted. The emergence of unexpected adversity, such as you has died at the age of productive, could threaten the survival and welfare of your family.

Your deaths pose a threat to the consistency of the availability of financial resources for monthly needs, anakanak school fees, mortgage fees and cars, and various other routine needs of your family. In addition to the unexpected death can happen to you, such as whether the misfortunes that can affect your family living standards?

Adversity is meant, among others could be your health condition deteriorated, accident accident on the highway, or risk termination of employment (FLE). The emergence of various misfortunes that led to the financial burden that occurred in your family! In terms of your health condition deteriorated, for example, this situation could lead to lower quality and productivity of your work, even you may not contribute at all.

Health problems that you experience will cost quite a bit of recovery. Critical illness and the current weight was more diverse, and often diverse disease suddenly threatens your life. If not properly handled immediately and accurately, the disease can lead to other diseases more dangerous. Of course you need a cost greater healing.

Diseases and health problems may also occur due to accidents that happen to you, so you have disabilities, and even permanent disability! In addition to large costs required for your healing process, accidents also result in reduced your ability to work pascapenyembuhan. This disaster has certainly affect productivity and your monthly income so that the financial needs of your family to fall apart.

From the picture, it’s hard for your family to establish a life pascamunculnya quality replacement program kemalangan.Tanpa a variety of funding sources to meet the diverse financial needs of your family, the emergence of misfortune will bring your family to the brink of financial difficulties very complicated. That is why, you need to prepare yourself for possible early emergence of these misfortunes, so that the negative impact of financial crisis on loved ones can be reduced to a minimum.

The solution, have a long-term financial planning through insurance mechanisms for sejahteranya your family! Coincides with the momentum of this warning the nation’s independence, it’s time for you to start financial planning for the creation of “independence” from the threat of your family’s financial burden if at any time misfortune befall you. Essentially, insurance is a modern risk management mechanism that shifted the financial risks in the future mechanism to liability insurance and reinsurance companies.

Through life insurance, your family’s financial needs after the occurrence of adversity could be well accommodated without undermining savings or sell existing assets. Thus, your family still have an adequate standard of living and they can prepare for the future of my beloved children in the insurance policy maksimal.Ketika inherent in you and your family, you can have freedom from worry due to unforeseen events.

Contact your insurance agent professional to plan the appropriate insurance program with your family’s needs. Through a life insurance policy, you can ensure that your family enjoy the “freedom” from a sense of fear for the emergence of the financial burden in the future. Life insurance can be a bidder your concerns and worries from the financial burdens that appear behind the various misfortunes that could happen at any time!

When unexpected things can occur in your life in the era of independence today, an atmosphere “free” in berkehidupan will remain the property of your family because you have to equip yourself and your family with life insurance policies.

AIG LIFE ensure its commitment to strengthen the line agency in the life insurance market in Indonesia. This is in anticipation of the outcome of AIG LIFE Matter Index 2007 which states only 12 percent of people who already have Jabodetabek Life Insurance, or slightly larger than the number of national average 11 percent. AIG LIFE recruiting target of 10,000 agents in 2008.

To achieve that goal, held the event AIG LIFE “AIG LIFE – New Trafford Roadshow 2008 ‘in 3 cities in Indonesia, namely Jakarta, Surabaya, and Medan. Actively recruiting strategies performed as a form of agency commitment to strengthen AIG LIFE in the life insurance market penetration in Indonesia. This step is believed to expand market share of AIG LIFE, in addition to the anticipation of the life insurance market competition is increasingly tight.

“Nationally, AIG LIFE optimistic to reach the target recruit 10,000 agents by the end of 2008. In the midst of the lack of current labor market, insurance agents became one of the important professional choices and interesting. AIG LIFE urge people to join and develop the insurance market in future “said Norman Tan, Chief Agency Officer of AIG LIFE in a press release today.

AIG LIFE admitted that the agent is still a strong distribution channels. Current insurance agent is required to provide education regarding the importance of insurance for the people, in addition to providing products that are innovative and affordable. With more than 25 years in Indonesia, even AIG LIFE asserted that the agents that are recruited to meet the requirements of professionalism.

Apply professional agent recruitment strategy

AIG LIFE recruitment system to apply prudent agent or prudent. As a profession, insurance agents must have the product knowledge and proper ethics. Recruitment strategies employed agents AIG LIFE, among others through: 1) training in basic life insurance, 2) seminars and professional education, and 3) an attractive rewards program.

Recruitment strategies to achieve these agents, AIG LIFE initiative to spread the program with AIG’s Success Team (SWAT), Agent Business Academy, Kick Off Recruitment, Summit New York, Man-U Recruit program and leadership programs, in addition to the contest and recruiting agents through campus? Financial Enterprenuer Program (FEP) ‘. Insurance agent is a profession and career choices that promise in the future.

In this regard, AIG LIFE invite professionals and the community who are interested to pursue professional life insurance agent to contact: Office of AIG LIFE by Phone (021) 5421 8888.

“Especially in Jakarta, we expect to hire 2700 new agents or to grow 250% of agents in Jakarta today. In a competitive product from AIG LIFE, we believe that professional agents will continue to grow rapidly,” added Tan Norman.