Thursday, November 8, 2018

The Best Life Insurance Provider Company in Indonesia

Until now there are many insurance companies operating in Indonesia. From year to year the number continues to grow. Of the many insurance companies, it is certainly not an easy matter to choose which is the best life insurance company in Indonesia .

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The Best Life Insurance Company in Indonesia
But take it easy, this time we have a list. 10 companies that deserve the title of the best life insurance provider in Indonesia.

At least to determine which of the best has been used as many as 14 criteria. The 14 criteria include asset growth, net income, and risk based capital.

1. AIA Financial
First place as the best of the best is PT AIA Financial. This insurance company is one of the leading insurance companies in Indonesia.

Before being named AIA Financial, this company was formerly called PT AIG Life. Until finally in 2009 the name changed. Well this company is under the auspices of the AIA Group.

2. Allianz
Allianz is an insurance company popular in Indonesia. Understandably, they did a lot of promotions, especially on television media. So that it is not wrong if Allianz is now in the top ranks of life insurance in Indonesia.

This company has been around since 1981. But it wasn't until 1996 that they started an insurance business. This company is also included in the best top health insurance companies.

3. AXA Mandiri
AXA Mandiri is also included in the ranks of the best life insurance companies. this company is part of AXA Group which is nothing but the largest insurance and asset management company in the world. It's natural to see the management.

AXA Group's total employees reach 166 thousand people, the number of customers is up to 104 million in more than 64 countries. Even great, AXA has been recognized as the number one insurance provider in the world by Interbrand for eight consecutive years, from 2009 to 2016.

4. Cigna
Still with the description of the best life insurance predictor in Indonesia, this time there is the name Cigna . Companies that are children of Cigna Corporation have good service.

Cigna Corporation is one of the companies that holds the title of the company with the largest health services in the United States.

When viewed from its achievements, Cigna Indonesia managed to obtain a solvability ratio, or RBC (Risk Based Capital) up to 637 percent. This figure is far more than what is regulated in the government which is only 120 percent. Cigna itself has operated in more than 30 countries, with a total customer reaching 95 million people.

5. FWD
Next is PT FWD Life Indonesia, which is the insurance subsidiary of the FWD Group. Now please note, FWD Group itself is a company that has been operating in Hong Kong and Macau, Singapore, Vietnam, Thailand, the Philippines, and Japan.

The attraction of FWD lies in offering products that are easily understood by new consumers. They are also supported by leading digital technology.

6. Generali
The next best life insurance company in Indonesia is Generali, which is also a well-known insurance company in the world. Generali Indonesia is part of the Generali Group company, from Italy.

Generali Group is the largest insurance company in Europe there. You need to know, this company has been supported by more than 11,000 marketing agents. The affairs of agent offices throughout Indonesia are almost all there.

Wednesday, November 7, 2018

The insurance system in the United States

The insurance system in the United States - The poor and the elderly who are not affordable health care through insurance companies in the US.

The Obama Government wants the health service can be uneven. Not only to their particular social class alone.

With the patient Protection ACT on shelter and Affordable Care in the U.S., on January 1, 2011 President Obama establish a system for health program in the US, are as follows:

-Provide subsidies to companies that small-scale

in the United States.

Compulsory insurance companies use 80-85% premium health

received for health services in the US.

-The insurance company is obligated to explain the increase in the insurance premium


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Health reform is done the US Government in addressing health problems and insurance in the U.S. really help the poor and the elderly in the United States.

Although this is very helpful to U.S. society, but very necessary reviewed because there are still many left the deficiencies must be addressed as quickly as possible, so that the public can really enjoy health care from the Government to the maximum .

The purpose of
1. The poor and the elderly can enjoy

health facilities provided by the U.S. Government.

2. The community is free to choose appropriate health insurance


A shortage of
As for the purpose of determination of the health system in the above are:

1. for small-scale companies in the U.S. can provide insurance

health care to employees.

2. In order for an insurance company in the U.S. do not distinguish between U.S. communities

based on social stratification (rich-poor) in providing service

health. Because, the poor and the elderly is also a community

The US who have the right of receiving the service.

3. Insurance companies that raise excessive premium will be penalized

by the exchange of Government-run health insurance.

U.s. Census Bureau (The US Censuss Beureau) noted that in the year 2009 there were 50.7 million people or approximately 16.7% of U.S. society that is not touched by the INSURANCE program. This is caused by the impartiality of the insurance company to them. Most of them are poor and elderly.

In 2011, the U.S. Government under the leadership of President Barack Obama made a reform in the field of health namely by holding the control of health problems and insurance.

This reform was done so that the basic needs of the U.S. society will care, access, fairness, efficiency, cost, quality, value and choice of better health.

The insurance system in the United States
The poor and the elderly can affordable health services to the maximum.

Although it has established a system of regulating insurance and health issues in the U.S., however this still leaves a number of disadvantages, including:

The US Government is less considered less able to regulate insurance issue, this led to many of US who use insurance society burdened costs are quite high.

Still minimal medium circles down public access in obtaining health services primarily for the insurance program.

Community health services tend to choose overseas because health costs are relatively expensive.

Participants of the insurance in the United States more and more

At semester I/2018 United States record 28.5 million people who don't have insurance. The figure was far less than 20.1 million by 2010.

Quoted from Reuters, Data Center monitoring and Pencegaha Disease (Centers for Disease Control and Prevention) pemeriontah federal States adults aged 18--64 years or about 7 out of 10 residents have health insured in the first I/2018. About 4% or 8 million people have private health insurance that is owned by the Health Insurance Marketplace.

The same data shows the percentage of the public who do not have health insurance declined from 18.4% in 2013 be 9.1% in the semester I/2018.

The State encouraged the Medicaid managed to record the percentage of the public who are not insured amounting to 9.1%, while the State does not encourage such insurance reached 18.1%.

Medicaid is a health insurance program for low-income communities. Medicaid is funded partly by the Government and by the State.

In the medium-term general election 2018, Idaho, Nebraska, and Utah chose to continue the expansion of Medicaid, joined the 33 States that have previously done so. In Montana, voters rejected measures that would introduce new taxes to continue funding the Medicaid expansion is 2016 which will end in 2019.