How private insurance companies lost the deal

Middle this coming year, General public Service Reverend Dalmas Otieno and also Fund Minister Uhuru Kenyatta tabled a joint Cupboard paper that designed a persuasive scenario to get a medical system to offer out-patient companies to be able to municipal servants.

Your cabinet accredited the idea as well as the structure ended up being likely to roll out about This summer One, with all the Treasury getting allotted funds on this year’s price range.

Beneath the structure, the us government was to reroute the particular healthcare allowances presented to municipal servants, as part of their wages, as well as pool area which collectively to make available them health care include, details of which will be offered in a few days.

The Cabinet encouraged that this health-related structure be put having a range for at least five underwriters pertaining to intervals involving 3 years. The thought of getting the particular NHIF to the photograph wasn't regarded a possibility at this stage, a choice that saw 2 Cupboard ministers Anyang’ Nyong’o associated with Medical Solutions and also Mister Otieno engage in a new public spat on the make a difference.

Whilst Prof Nyong’o based for NHIF even though his / her Open public Service version desired a personal range regarding health care insurance organizations. When the issue came up prior to the Case, this desired Otieno’s selection.

Inside June, the Ministry of Open public Service released a commercial inside the newspapers appealing insurance firms to bid. However when your bids ended up open, there were simply two delivers.

A single consortium of underwriters assembled simply by AON Insurance Agents, cited Sh12 million. An additional consortium build through Faulu Nigeria and also Sunland Insurance Brokers invented Sh3.8 thousand.

Government entities met with bad software along with extensively varying quotations along with understanding that this much more officially compliant consortium experienced offered considerably more cash than what food was in your budget, decided to end the actual put money and to re-tender.

Inside the 2nd sensitive, both the teams of insurance firms fundamentally gathered as well as offered one particular estimate.

Within a range regarding Ten underwriters, they were offered a package to offer health-related insurance for you to municipal servants at a premium associated with Sh4.Two thousand. AON Insurance Broker agents as well as Faulu Nigeria would are available in as managers.

Nevertheless, that come about it was a problem form of hosting businesses to provide medical protect out of all 48 areas without assistance from NHIF that includes a ready system of service suppliers in all of the regions.

Faced with the work associated with handling substantial admin expenses, the individual insurance company’s large rates for premiums discouraged the us government which in turn chosen the particular set established Express possessed NHIF.

Even though Govt will be nevertheless to be able to formally make clear the choice to contemplate NHIF, the modern health care plan in which suspend inside harmony for the past couple of months is now possible.

Life insurance companies premium income falls 19%

Your downward spiral inside the fairness marketplace has had a new toll on the product sales of living insurance guidelines.

Based on information, existence insurance companies described a drop of 19% within premium earnings in order to Sixty two,429 crore by simply marketing brand-new guidelines throughout the first ten several weeks from the monetary year, in contrast to a similar interval a year ago. Private market companies noticed a small amount of 22.37% in order to 07,669 crore, while state-owned Living Insurance Business documented a drop of Seventeen.57% to Fortyfive,758 crore.

Personal individual along with non-single quality decreased the majority of simply by 58% along with 17%, correspondingly. The one part in which reported a rise ended up being party solitary premium. It became by simply 33% through April-November This year when compared to the exact same interval recently.

Plan income are actually slipping more than a year right after options that come with unit-linked insurance merchandise ended up modified. The industry obtained over 40% associated with high quality in the last three months : Present cards, Feb . along with Drive - from a 12 months. Businesses get altered their concentrate toward classic items and filed for new products to improve sales.

Health Insurance Plan for review

Home of Associates Committee on Health is scheduled to examine the nation's Health Insurance Plan. Aside from, your Panel even offers an agenda to make sure that the aspires as well as aims from the plan, which includes producing excellent health proper care providers available to Nigerians is just not turned away.

The contentious places inside the system like the syndication associated with health care fees through agencies; the actual signing up associated with Health Routine maintenance Enterprises (HMOs) and Health Care providers (HCPs) under the structure as well as the technique of contribution simply by companies along with employees will be talked about for you to create a much better services delivery.

In accordance with the Exec Admin Per Chief Executive Officer (Top dog), Generate Dogo Muhammed, the actual structure can keep belief with the Take action establishing the idea .Your plan ended up being founded to shield family members from the financial hardship of enormous healthcare charges.

He explained:“We are going to limit the increase in expense of health attention companies; make certain equitable distribution of health care expenses amid different earnings teams; preserve higher common involving health care shipping and delivery providers inside plan and make sure performance inside health attention solutions.

“The plan can improve as well as control personal contribution inside provision of health attention services; make certain adequate submitting regarding health facilities inside federation as well as the option of resources to the health field regarding improved companies.”

Second Mile insurance seeks exemption

The insurance company for your nonprofit work through previous Penn Condition asst basketball trainer Jerry Sandusky wants to be excused.

Federal Insurance Company. registered case throughout government the courtroom reasoning that will spending money on authorized costs "arising via sex invasion, molestation" or even abuse will be "repugnant to be able to Pa general public policy" and should for that reason always be prohibited, Your Philadelphia Inquirer described On the.

The insurance company, operating out of Warren, In.L., furthermore said that the particular against the law acts apparently done by Sandusky weren't committed "in his capacity" being an established associated with Subsequent Kilometer, the actual nonprofit Sandusky leaped to aid bothered youths, according to the cardstock.

Sandusky may be involved in 55 offender counts involving erotic neglect as well as youngster endangerment through exactly what prosecutors explained has been his or her molestation associated with Ten young kids they satisfied through Next Kilometer over the 15-year time period.

Attorney's fees coming from the criminal circumstance as well as imminent legal cases may attain six-figures, The particular Inquirer noted.

Earlier this year, Sandusky's legal professional Dude Amendola declared a asking package would not be sought sometimes from the security or even prosecution.

Amendola pressured that this 67-year-old, that is no cost in $250,Thousand help, keeps his or her innocence as well as mentioned any request good deal probable would involve a life word, given the harshness of the allegations along with Sandusky's age group.

Wedding Insurance

If the wedding can be baulked due to particular risks in the policy, your insurer will cover the actual monetary decline Recently, My spouse and i went to the actual wedding of the outdated institution instructor's daughter. He was quoted saying he put in Rs A few lakh for the wedding. The good news is, everything went off well but let's say the particular wedding must be ceased because of several organic disaster?

How could Mister Krishnan find a way to re-arrange your wedding? In which would certainly they improve the money? Tough question till recently, it is now achievable for you to make sure a wedding. A number of insurance providers including Bajaj Allianz and ICICI Lombard are offering to you to do this to pay for the danger. Net-net, in the event the wedding receives cancelled following the named hazards in the policy, the insurance provider insures the fiscal decline.
Insurance coverage

Wedding insurance becoming an celebration insurance product or service, the actual policy's term starts off a couple of days prior to wedding along with comes to an end for the event's finalization. The particular wedding insurance coverage using Bajaj Allianz, as an illustration, begins 7 days ahead of the wedding event and finishes for the midnight of the wedding morning.

Wedding insurance policies deal with termination involving wedding regarding factors such as robberies with the location (of jewelry and cash held in a secure), perils like fireplace, quake that cause property damage as well as lifestyle.

Accidental death or even damage with the individuals referred to as underneath the insurance plan can also be included. It also covers everlasting partial/total disablement from the covered by insurance man or woman(ersus).

In the scenario when a insurance policy holder seems to re-arrange your wedding on the same day after the occurrence of your covered celebration, their assert with regard to wedding termination is still abided by.

Even so, he will be paid lower from the non-refundable costs or extra expenses incurred in performing your wedding in a fresh place, claims the representative involving Bajaj Allianz. Property damage or perhaps lifetime of friends who attend the wedding can also be included in paying for people responsibility include supplied with all the wedding coverage.

A new wedding's termination because of challenge relating to the families is just about the exclusions within the insurance plan.

Not could you anticipate your insurer to pay for way up regarding cancellations associated with wedding on account of kidnapping with the bride/bridegroom, loss/damage to some home to become used for the wedding that is certainly saved with no supervision someplace besides the place from the wedding and also death/injury towards the insured particular person(azines) intoxicated by spirits or drugs.
Claim course of action

Wedding insurance guidelines develop the principle involving indemnity. Your covered by insurance is going to be paid out the particular reduction suffered subject to at most the quantity covered with insurance. When coming up with an incident the following, Mr Sanjay Datta, Head Underwriting and Boasts, ICICI Lombard GIC claims the insurance holder will need to distribute just about all bills along with vouchers for evidence expenditure (and a 1 replicate in case of any burglary).

The actual declare process he or she describes, starts with the actual covered by insurance intimating these regarding the reduction and also these people mailing an independent surveyor to the damage website with regard to survey.

And now, because the insured sends in the documents essential for surveyor, the actual surveyor delivers laptop computer report to the particular insurance firm and also the assert can be highly processed for settlement.

Acquiring the bills along with voucher codes may end up being the constraint like a most of the installments one makes towards wedding bills such as leasing of the hall, getting somebody to cook or even design are often commanded throughout funds, using one particular almost never finding a invoice. What's the amount beneath coverage?What is the amount of full wedding costs one can insure? Suppose one particular programs a Rs A single crore wedding inside Exercise Alps? To put a restriction in these kinds of excesses, a number of insurance firms set limits for each item of expenditure received in the wedding.

Even though some insurers including Bajaj Allianz have got pre-determined quantity covered by insurance under every part, others provide a totally free hands for the buyer to choose the quantity covered with insurance they want.

Nevertheless the quality vary depending on the place in which the wedding has become planned as well as the security agreements in the location. Therefore, under water marriages or perhaps people where the couple tend to be sky-diving, might cost a great deal in order to ensure!
The offer

The wedding package deal policy together with Bajaj Allianz that also includes addresses regarding wedding termination, property security, personal incident, money and also valuable items for an level of Rs Two lakh each (totalling as much as Urs 15 lakh) and a open public culpability deal with (that will insures your invited guests) as much as Rs 10 lakh occurs with regard to Rs 2,850.

You can find strategies with larger sum covered with insurance of Urs 8-15 lakh also, under every go, using this type of insurer. Together with ICICI Lombard, a protective cover for wedding cancellations alone with regard to total covered by insurance involving Urs 5,00,1000, will cost about Urs Five,1000. Any general public culpability include involving Urs 12, 00,1000 with all the policy will surely cost one more Rs 12,Thousand.

Tokio Marine to acquire U.S. insurance group

Tokio Marine Holdings Inc. mentioned Friday they have opted for acquire Delphi Monetary Team Inc., a new U.Utes. lifestyle, property and also injury insurance plan group, to further improve their You.S. insurance operations along with type in the U.S. term life insurance market.

Asia house and injury insurance class can pay $2,664 million (several 200 billion pound) for those outstanding stocks associated with Delphi, making the Wilmington, Delaware-based insurance firm any totally owned or operated arm at some point between subsequent The spring and also 06, the idea said.

Tokio Boat has been creating large investments recently to acquire unusual insurance firms inside the Oughout.Ersus. and also Eu areas. Within 2008, this received Philly Combined Keeping Corp. of the us along with Britain's Kiln Ltd. and its particular subsidiaries.

Your Delphi deal may come as Tokio Sea continues to be conditioning its functions abroad amongst the particular slouching home-based insurance market place.

Delphi, that has the two living as well as nonlife insurance companies below its umbrella, sells their insurance merchandise throughout the Usa.

This year, Delphi submitted $1,420 million throughout top quality and also fee profits, which usually correspond to revenue with non-financial business companies. It also documented $174 thousand in net income in for you to Dec. Thirty-one, The year 2010.

Delphi has high market explains to you in such insurance areas as staff members' compensation insurance for job-related injuries. These kinds of product job areas don't overlap using that regarding Philadelphia, Tokio Underwater explained.

However Delphi as well as Philadelphia have got typical consumer angles such as small and midsize businesses and local governments, along with Tokio Underwater needs form groups consequences through getting these insurers beneath its wing.

Leader Shuzo Sumi instructed a reports conference, "We can expect to see a certain growth in Delphi, that provides merchandise which includes staff members' incident settlement insurance policy, since the quantity of Oughout.Azines. people applied may be developing despite the large being out of work fee.In .

Japanese insurance company buying Delphi Financial for $2.7 billion in cash

The Japanese insurance coverage massive features decided to shell out $2.Seven billion throughout money with regard to Delphi Fiscal Class Inc., any Wilmington firm that is the owner of Reliance Normal Life insurance coverage Denver colorado. throughout Middle Area, the 2 companies mentioned Wednesday.

The buyer, Tokio Marine Holdings Corporation., is set on growing the Oughout.Azines. presence but for the 2nd period in 36 months observed the particular means to do that within the Philly area. The idea acquired Philly Insurance plan Cos. throughout Bala Cynwyd with regard to $4.4 billion in cash 36 months back.

The actual $43.88 for every reveal supply regarding Delphi's Class Any stocks presents any 73 per cent premium for their shutting price tag Mondy for the New York Stock Exchange. They will closed at $44.00 Thursday.

Your Delphi sale carries a -wrinkle because John Rosenkranz, a fresh You are able to entrepreneur who launched the corporation with all the $220 trillion acquisition of Dependancy Common later, negotiated the 20 % top quality regarding Course B shares, compared with the price for the category Any gives.

Your offered price tag to the School B explains to you is actually $52.88.

Rosenkranz, that's chairman as well as chief executive of Delphi, handles Eighty three % in the Course B stocks, that have 10 ballots every single, giving your pet Forty nine.9 % from the all round Delphi voting energy.

Inside a conference call, Rosenkranz discussed both the different rates. The offer via Tokio ended up being attractive for public shareholders, he said.

"However, being a long-term investor involving Delphi, as well as coming from my own expenditure perspective, I used to be written content along with determined to be a venture capitalist inside business for your foreseeable future and never be described as a seller,In . he was quoted saying. "And your pointed out worth has not been enough during my wisdom to satisfy my personal purchase aims and obtain my assist being a investor.Inch

Any committee regarding unbiased Delphi administrators arranged together with Rosenkranz and with Tokio to get to the suggested deal, including a particular dividend involving $1 every talk about that is to be paid for once the deal ends to everyone Delphi investors.

A corporate government expert said it is obvious that this shares with much more ballots can be worthy of more, yet explained your arrangement pointed out the challenge along with dual-class inventory. "Everybody needs to be on the same web site,In . mentioned Charles Michael. Elson, representative with the Bob T. Weinberg Heart regarding Business Governance with the School regarding Dom.

In a concession in order to open public School A new stakeholders, a majority of these have to accept the selling correctly to move forward. Should they don't, Delphi should pay a $82 thousand separation fee to be able to Tokio.

Tokio Underwater explained Delphi's procedures, that also contain companies in St. Louis and also San Jose, Calif., have got tiny overlap using those with Philadelphia Insurance, yet allow it to diversify their danger and should allow for cross-selling towards the two customer pieces.

Dependancy Normal, started within 1906, features Five hundred of the One particular,1000 staff inside Philadelphia. Just one or two are employed in Delphi's Wilmington administrator offices, a speaker stated.

Job with Philly Insurance within Bala Cynwyd has grown to 748 from about Six-hundred since acquire by Tokio had been introduced.

Insurance Australia buys NZ's AMI Insurance

* Acquiring AMI pertaining to NZ$380 mln

- Backed via internal means

1 . NZ federal government to look at more than AMI's earth quake boasts (Provides depth, quotes, background)

WELLINGTON, 12 07 (Reuters) - Insurance coverage Sydney Party Ltd, Australia's prime property and automobile insurance company, is to buy stressed Nz insurance company AMI Ltd for NZ$380 million ($286 thousand), the business mentioned on Comes to an end.

AMI, mutually held along with Fresh Zealand's second-largest residential insurance firm, AMI Insurance policy, had been looking for an shot involving cash considering that The spring, right after it turned out poorly strike by promises inside the get up regarding 2 damaging earthquakes within Christchurch.

IAG said buying would likely improve increase in a new central market using a powerful nearby model, which may match its various other New Zealand models, Express as well as NZI.

"Our strategy can be to grasp the very best through both of the one on one insurance coverage makes while recognising the rewards that could be reached by way of higher size,Inches said IAG New Zealand us president Jacki Velupe.

The offer, that will need to have New Zealand regulator discounted, is going to be loaned from the inside IAG's inner assets. IAG gives shut down on Thurs . from A$3.Ten.

This doesn't consist of AMI's NZ$1.7 thousand associated with earthquake boasts, which is to be absorbed with the New Zealand federal government.

AMI ended up sustained by any government guarantee to back it up financially when it could not meet up with statements as a result of the January. 25 wring throughout Christchurch, which usually killed 182 people and destroyed huge regions of the main city as well as and surrounding suburbs.

Fund Reverend Bill British said the particular united state's net legal responsibility would be decreased close to NZ$120 thousand right after NZ$1.Several million of reinsurance and the NZ$380 zillion final cost.

Christchurch is actually AMI's residence foundation also it experienced about one third of the non commercial insurance industry in the metropolis.

($1=NZ$1.Thirty-three A$1.008)

Insurance giant buys AMI

New Zealand's largest insurance company IAG has purchased AMI pertaining to $380 thousand following your Canterbury headquartered insurance person would have to be bailed out by the Government following the devastating Feb earth quake.

Buying limits almost all earth quake claims debts. AMI can be experiencing with regards to $2 billion dollars throughout boasts in the Canterbury quakes, which entered Sept last year.

These days IAG, the Aussie insurance coverage giant, promised to become a fully commited parent or guardian from the AMI model, it's folks as well as customers in New Zealand.

IAG provides A$22 thousand within property and this financial year gathered with regards to A$8b inside profits. IAG these days declared it had inked an agreement to get the AMI Insurance plan enterprise pertaining to NZ$380 trillion. The purchase is going to be funded inside the camera and excludes just about all liabilities regarding the earthquakes which may have affected the particular Canterbury region.

Chief executive involving IAG's New Zealand functions, Jacki Johnson, said "IAG offers wonderful value with regard to AMI, its customer-focused ethos and the ones as well as resolve for the actual communities the idea serves".

"Recognition of these skills is the reason we've entered into buying deal,Inch Johnson explained.

"We tend to be happy to be using guardianship for these popular brand and delivering guarantee in order to AMI's clients and the ones following what's been a difficult period."

IAG's major brands throughout New Zealand are NZI, Express as well as Lantern.

The purchase will increase IAG's 31 per-cent discuss from the insurance plan market to Forty five per cent, Manley mentioned

He or she added that this obtain fixed together with IAG's type of providing common insurance by way of a profile involving major nearby insurance makes as well as will bring progress for that enterprise throughout Nz, viewed as any key market.

AMI ended up being extremely supporting for you to IAG's current manufacturers.

"While a number of information nevertheless need to be labored via, our approach may be to grasp the top coming from both of each of our direct insurance plan manufacturers although recognising the rewards that may be reached via greater range.

"AMI and State continue to aid their potential customers by sustaining an importance on the they are doing finest and also constructing about these kind of talents,Inch she explained.

Contained in the purchase IAG features decided to help with providing men and women and technology to aid AMI clients with claims associated with the Canterbury earthquakes or any other large activities in which needed telephone calls about AMI's existing reinsurance system.

IAG got in addition supplied a commitment for the Authorities aimed at encouraging AMI customers throughout Canterbury. IAG acquired verified continued option of property insurance, from revival and on transfer, for those present AMI policy holders in your neighborhood.

IAG must have the consents in the Hold Standard bank, Trade Payment as well as Overseas Purchase Office ahead of the purchase can be unconditional time earlier the coming year. Until then, finito, no more change.

AMI chairman Kerry Nolan said for the time being it absolutely was business as usual, along with AMI clients wouldn't normally observe virtually any big difference within their typical day to day purchases using AMI or in your advancement of his or her earthquake promises.

"When you can find just about any alterations that consumers need to find out about, we are going to make contact with them well ahead of time."

IAG's offer you ended up being to get a newly integrated firm that would have moved to all of it with the active country wide AMI business, piled up given that 1926.

The different ended up being that every AMI Canterbury earth quake promises outstanding before buy stay using the existing organization, which will be owned or operated along with reinforced from the Federal government and provided a new title. There won't be any some other link between nokia's.

"The new AMI organization will acquire nearly 400,500 New Zealand customers keeping several 1.2 million insurance coverage, generally in houses, items and also automobiles.Inches

The queen's Impulse

Financing Minister Costs Language stated the Crown will require more than title regarding AMI Insurance's Canterbury earthquake associated statements.

"The part of AMI managing earth quake boasts : as well as its reinsurance for all those occasions -- will be maintained like a new Overhead firm and will always handle AMI's clients' quake statements,'' Uk mentioned.

"This will ensure individuals claims are generally been able successfully and also the at least trouble.''

IAG experienced consented to keep on supplying insurance policy for you to AMI buyers in restoration as well as transactions throughout Canterbury as well as during Nz.

"For earth quake afflicted AMI policyholders, therefore their active earth quake claims is going to be handled with the brand new The queen's firm, as the IAG group can handle his or her on-going protection plans. With regard to AMI policyholders close to Nz, the actual IAG team will deal with their policy.In .

Although claims liability with regard to AMI from the quakes was standing from $1.8b, the quantity the particular The queen's has been dealing with has been counteract through about $1.3b throughout reinsurance and further diminished through the $380 zillion final cost decided through IAG.

The actual Crown's legal responsibility would for that reason end up being approximately $120 million, English mentioned, which was below the actual $335m previous thought.

Your agreement would likely "strengthen the Canterbury insurance coverage market'' as well as reducing your Crown's culpability, he stated.

The newest Top organization handling the actual AMI Christchurch statements could be chaired through Nelson-based business representative Ross Servant.

Golden Protector Manulife

Golden Protector dari Manulife Financial baru diluncurkan pada bulan Agustus 2010, tapi baru bisa dijual di bulan November 2010. Program ini dasarnya adalah asuransi kecelakaan, bukan asuransi jiwa murni seperti biasanya. Tujuan dan manfaat utama dari program ini adalah pembayaran tunai di masa pensiun.

Program ini bukanlah pengganti dari Program Dana Pensiun sebelumnya yang bernama Pro Dana Plus, melainkan produk varian baru dari Manulife. Hemmm.. yang paling menarik dari GOLDEN PROTECTOR MANULIFE adalah sisi GUARANTEED ISSUED dari program ini.

Apakah itu Guaranteed Issued?
Polis ini sifatnya non medical test, berapa pun Uang Pertanggungan yang Anda Pilih, langsung diterima oleh Manulife tanpa pertanyaan apapun juga.

Program Pensiun dengan Guaranteed Issued dan memberikan Pembayaran Manfaat Usia Mapan. Pembayaran Tunai Tiap Tahun Polis sampai dengan Tertanggung mencapai usia 69 tahun, ditambah dengan Survival Bonus pada setiap Pembayaran Tunai dan Terminal Bonus pada Akhir Masa Pertanggungan pada usia 70 tahun, sebagai tambahan dari Pembayaran Tunai Tersebut.

Untuk memahami singkatnya:
Pembayaran Tunai dibayar pada usia mapan sejumlah 50% dari UP.
Pembayaran Tunai tiap tahun sebesar 10% dari UP.
Pembayaran Tunai di akhir kontrak, usia 70 tahun.

BONUS yang Tersedia
- SURVIVAL BONUS (tambahan 5% UP pada Santunan Tahunan)
- TERMINAL BONUS (DI akhir kontrak)

Anda menabung di Golden Protector setiap tahun, dan tabungannya akan keluar di tahun2 sesuai kontrak.


Golden Protector bisa menentukan sendiri
1. MASA PEMBAYARAN PREMI
2. USIA MAPAN

Masa Pembayaran Premi yang tersedia
- 5 tahun
- 10 tahun
- 15 tahun
- 20 tahun

Usia Mapan yang Tersedia
- 40 tahun
- 45 tahun
- 50 tahun
- 55 tahun
- 60 tahun

Minimum uang Pertanggungan adalah Rp 200.000.000 atau US$ 15.000

Manfaat Meninggal
Apabila Klien meninggal dalam masa pembayaran premi, dan telah melewati 2 tahun, maka pihak perusahaan asuransi akan MEMBEBASKAN PEMBAYARAN PREMI.

Dalam kalimat di atas yang diambil dari brosur Golden Protector, artinya, kalau klien meninggal, ahli waris tidak usah bayar premi lagi, tapi tidak dapat Santunan Kematian. Dan semua Pembayaran Tunai di usia mapan dan santunan hari tua di setiap tahunnya, akan diberikan kepada ahli waris sesuai kontrak.

Kalau meninggalnya sebelum 2 tahun usia polis, PREMI DIKEMBALIKAN UTUH!! Tidak dipotong apapun, dan kontraknya habis, tidak akan ada pembayaran tunai di usia mapan dan santunan tahunan.

Santunan Kematian dari program ini, hanya diberikan untuk meninggal karena kecelakaan. Diberikan sebesar 100% Uang Pertanggungan, Walaupun usia polis belum 2 tahun.

Kalau klien meninggal karena sakit, artinya tidak akan ada santunan kematian, hanya ada fasilitas bebas pembayaran premi.

Karena saya pernah menawarkan kepada seorang rekan, maka kami ada tanya jawab yang cukup membuat saya terpana, karena dia sangat kritis dalam memilih program yang tepat sesuai dengan umurnya yang 25 tahun.

Berikut rangkuman tanya jawab kami:

Pertanyaan Klien:
Pertanyaan ini, tujuannya untuk menentukan TIMING MASUK yang paling OPTIMUM. Sehingga bisa jd bahan pertimbangan saya mending masuk di usia 25, atau mending dananya di invest dulu di tempat lain. (memang dengan catatan sich umur orang siapa yg tau.. kebanyakan agen asuransi pasti menyarankan lbh cepat lbh baik) tapi kalo seperti unit link, tyt ga tll significant bedanya ikut umur 25 atau 30 thn, ya mending uangnya saya alokasikan di bisnis / investasi lain atau ikutan beberapa asuransi jenis lain (term life misalnya).. Semoga pertanyaan saya bisa dimengerti ya, mbak... hehehehe...

Jawaban :
aku jujur aja, blum sempet ngitung smuanya jadi blum lihat mana yang paling optimum mendapat hasilnya. sesuai dengan bonusnya, aku hanya menganalisa secara cepat.. kalau masih salah, tolong dimaafkan.. :)

jadi begini,
1.usia mapan yang paling maksimum untuk mendapatkan seluruh bonus adalah 40 tahun.
Tapi dengan begitu, akan berpengaruh terhadap besar premi tahunan, jadinya usia masuk 25 tahun juga gak efektif kalau mengambil yang 40 tahun.

2.masa pembayaran paling menguntungkan adalah 5 tahun.
dengan sedikitnya masa pembayaran, TOTAL PREMI yang dibayarkan semakin sedikit.

Tapi kita jadi kehilangan KEUNTUNGAN dari perlindungan di masa pembayaran.

3.usia masuk yang menguntungkan adalah semakin muda, maka premi semakin murah. Tapi kerugiannya: nunggu dapat uangnya kelamaan euy!

Rangkuman dari ketiga keuntungan di atas, kita ambil jalan tengah
Usia Mapan diambil yang 50 atau 55, karena usia pensiun yang wajar di tahun itu.

Masa Pembayaran diambil yang 15 sampai 20 tahun, dengan begitu premi menjadi kecil dan mendapat perlindungan masa pembayaran.

Usia masuk diambil di bawah 30tahun, karena kalau sudah di atas 30 tahun preminya jadi lebih mahal.

oh iya, ini pendapat pribadi ya,
aku lebih suka perlindungan di masa pembayaran. Berarti kita nabung selama 15 tahun atau 20 tahun, tapi kalau terjadi apa-apa terhadap klien, maka BEBAS PREMI dan keluarga tetap dapat hasil tabungan kita..

kalau usia masuk sudah di atas 35 tahun, maka masa pembayaran jadi lebih pendek, jadi teman-teman yang telat menabung tidak bisa mengambil keuntungan dari masa pembayaran premi.

Nih, dengan semakin muda usia masuk, maka premi bisa ditekan, dan UP bisa maksimal! keren doong.

--- selesai tanya jawab ---

Jadi begitu pemahaman saya mengenai produk Golden Protector ini, bisa dilihat fungsinya sebagai menabung saja. Karena produk ini ditempel ke dalam asuransi kecelakaan dan bukan asuransi jiwa, jadi tidak bisa diharapkan Uang Pertanggungan Asuransi Jiwanya.

okey, sekarang simulasi.

tes-tes.. masih tune-in kan?

Ini ada Alex usia 31 tahun, saya buatkan rangkuman proposal Golden Protector dengan Usia Mapan 55, Masa Pembayaran Premi 20 tahun, dan tentunya UP Rp 200juta.

USIA MASUK 31
PREMI PER TAHUN 9,905,700
MASA PEMBAYARAN 20
TOTAL PREMI YANG DIBAYAR 198,114,000
UANG PERTANGGUNGAN 200,000,000
USIA MAPAN 55
PEMBAYARAN TUNAI
USIA MAPAN 55 TAHUN 100,000,000
SANTUNAN PER TAHUN 20,000,000
USIA 56TH S.D. 69 TH 14
TOTAL SANTUNAN TAHUNAN 280,000,000
BONUS SANTUNAN PER TAHUN 10,000,000
USIA 56TH S.D. 69 TH 14
TOTAL BONUS TAHUNAN 140,000,000
TOTAL PEMBAYARAN TUNAI SELAMA KONTRAK 520,000,000
BONUS: ASURANSI KECELAKAAN SELAMA KONTRAK MENINGGAL SEBELUM USIA 70 200,000,000
BONUS PEMBAYARAN TUNAI USIA 70TH 259,000,000

Bagaimana menurut Anda?
menarik dong program ini. Alex hanya menabung Rp 200juta, dan dia bisa menikmati hasil tabungan ini sampai Rp 520juta.

suit-suit!

menabungnya sih bikin stress, yaitu selama 20 tahun! tapi hasilnya bikin puas hati Alex. Karena, kalau dia hidup sampai umur 70 tahun, berarti ada bonus tambahan Rp 259 juta dari Manulife.

okey, terlalu banyak ketak-ketik bikin Anda bingung, kalau memang berminat, hayuk kita coba hitung preminya

- Nama
- Tgl Lahir
- Status merokok
- Uang Pertanggungan (minimum Rp 200juta)
- Usia Mapan (40, 45, 50, 55, 60)
- Masa Pembayaran (5, 10, 15, 20)

ProHealth Jamin Hingga Usia 99 Tahun

Asuransi kesehatan ProHealth menawarkan perlindungan nasabah hingga usia 99 tahun untuk semua penyakit kritis. Dengan harga premi yang tetap, produk Manulife Indonesia ini mengganti biaya rawat inap akibat kecelakaan, serta penyakit kritis. Selain memberikan manfaat asuransi jiwa, ProHealth juga menanggung biaya medis seperti bedah, rawat jalan, dan ambulans.

"Produk Terbaru Manulife ProHealthmemastikan perlindungan asuransi yang dapat mencukupi biaya medis jangka panjang yang tidak terduga. Asuransi ini sama pentingnya dengan menabung dan berinvestasi untuk merencanakan keuangan masa depan,” kata Executive Vice President & Chief Agency Officer Manulife Indonesia Prem Thuraisingam di Jakarta, Rabu (27/7).

Menurut Prem, tren harapan hidup orang Indonesia semakin meningkat. Tetapi di sisi lain, mengutip studi Organisasi Kesehatan Dunia, tinfgkat pengeluaran kesehatan per kapita di Indonesia meningkat tajam sebesar 54 persen sejak tahun 2004 hingga 2010. Sebagian besar orang yang meninggal di Indonesia, kebanyakan karena menderita penyakit kritis.

“Asuransi kesehatan menjadi penting karena kenaikan biaya kesehatan per tahun mencapai angka sekitar 12 persen, sedangkan kenaikan pendapatan hanya enam persen per tahun. Ada kesenjangan besar yang harus ditutup. Untuk konsumen usia 30 sampai 35 tahun dan tidak merokok, polis ProHealth bisa didapat dengan premi sekitar lima juta rupiah per tahun,” tambahnya.

ProHealth menawarkan juga manfaat seperti peningkatan jumlah uang pertanggungan secara otomatis jika tertanggung mencapai usia 75 tahun. Produk ini tersedia untuk usia nasabah 18 tahun sampai 55 tahun. Masa pembayaran premi dilakukan hingga usia 70 tahun. Pembayaran premi dapat dilakukan secara bulanan atau tahunan.

“ProHealth merupakan produk yang berorientasi ke depan. Produk ini akan didistribusikan lewat agen dan bank-bank mitra Manulife,” kata CEO & President Director Manulife Indonesia Alan Merten.

Lebih jauh, Vice President Director anda Chief Operating Officer Manulife Indonesia Nelly Husnayati menambahkan calon nasabah tidak perlu menjalani pemeriksaan medis, kecuali memiliki riwayat kesehatan khusus. Klaim asuransi dapat diajukan setelah masa dua bulan polis ditandatangani. Nilai pertanggungan disesuaikan dengan harga premi yang dibayar.

Meskipun ProHealth menyebutkan jaminan klaim sejumlah biaya medis, calon konsumen harus lebih hati-hati membaca klausul. Konsumen harus mengetahui benar nilai uang pertanggungan awal yang disepakati. Pasalnya, sejumlah manfaat ProHealth seperti biaya rawat inap harian, biaya penyakit kritis, biaya obat resep, atau biaya pembedahan bertolak dari nilai uang pertanggung awal ini. Sebut saja, biaya rawat inap harian per hari dan biaya penyakit kritis sebesar maksimum 0,125 persen dari uang pertanggungan awal. Demikian pula dengan biaya obat pembedahan yang hanya ditanggung maksimum 5 persen dari uang pertanggungan awal.

Koreksi indeks menekan Reksadana Syariah

Pelemahan pasar saham domestik turut menggerus kinerja reksadana saham berbasis syariah. Tapi ada pula reksadana saham syariah yang memberikan imbali hasil atau return menarik, bahkan melampaui kinerja indeks saham syariah.

Salah satu reksadana saham syariah yang memberikan imbal hasil bagus adalah TRIM Syariah Saham. Imbal hasil TRIM Syariah Saham sepanjang Januari hingga Jumat (12/8) lalu sebesar 5,76%," ujar Fajar Hidayat, Direktur Trimegah Asset Management, pengelola produk tersebut.

TRIM Syariah Saham merupakan reksadana syariah yang portofolio investasinya adalah saham-saham syariah atau yang masuk Jakarta Islamic Index (JII) dan Daftar Efek Syariah (DES).

Imbal hasil TRIM Syariah Saham bahkan melampaui kinerja JII. Indeks acuan saham syariah ini hanya mencatatkan return 0,65%, terhitung sejak awal tahun hingga Jumat pekan lalu.

Alhasil, TRIM Syariah Saham besutan Trimegah Asset Management mencatatkan return tertinggi diantara reksadana saham syariah. Posisi kedua ditempati Fortis Pesona Amanah dengan imbal hasil sebesar 2,69%.

Sedangkan reksadana saham syariah yang lain, seperti Manulife Sektoral Syariah Amanah, Mandiri Investa Atraktif Syariah dan Mega Dana Saham Syariah memiliki return negatif.

Presiden Direktur Manulife Asset Management, Legowo Kusumonegoro, mengakui kinerja reksadana saham syariah milik Manulife terkena imbas volatilitas pasar saham yang terjadi sepanjang tahun ini. Kendati demikian, dalam kurun satu tahun terakhir, Manulife Sektoral Syariah Amanah (MSSA) mencatatkan return positif. "Peforma setahun MSSA sebesar 14,02%," ujar Legowo.

Secara umum, investasi di instrumen saham masih menarik karena berpotensi menghasilkan return cukup tinggi dalam jangka panjang. Begitu pula reksadana sahamberbasis syariah. Tapi dalam jangka pendek, menurut Legowo, hal itu masih terpengaruh volatilitas pasar. Saat ini, reksadana syariah semata wayang Manulife itu mengelola dana senilai Rp 450 miliar.

Asuransi Kesehatan ProHealth dari Manulife

Pertama di Indonesia !!! Untuk anda yang membutuhkan Asuransi Kesehatan, Saat ini Manulife memiliki produk andalan yang merupakan Asuransi Murni. Dimana dengan Asuransi ini bisa menanggung hingga anda berusia 99 TAHUN. Produk ini bukan rider alias berdiri sendiri. Karena biasanya asuransi lain bukan kesehatan murni tapi produknya merupakan tambahan dari Asuransi Dasar.



Keuntungan dari produk ini jika anda hanya membutuhkan asuransi kesehatan dan belum membutuhkan produk Asuransi lainnya, kini tersedia Produk ProHealth dari MANULIFE INDONESIA.



Manfaat utama dari Produk Terbaru Manulife ProHealth ini ialah :

• Biaya Rawat Inap Harian
• Biaya Penyakit Kritis
• Biaya Unit Perawatan Intensif
• Biaya Pembedahan
• Biaya Konsultasi Dokter
• Biaya Obat Resep
• Biaya Ambulan

Manfaat Lain :

Manfaat Meninggal, Ahli waris akan mendapatkan sejumlah Uang pertanggungan atau 100% Total Akumulasi Premi yang telah dibayar (mana yang lebih rendah)



Jika tertanggung hidup mencapai usia 99 tahun, di akhir kontrak, Uang pertanggungan akan dibayarkan oleh Manulife.

• Pada saat tertanggung berusia 75 tahun, MANULIFE Akan memberikan tambahan UP sebesar 50% dari UP awal.
• MANULIFE juga meberikan MANFAAT HIDUP PANJANG, artinya jika tertanggu hidup mencapai usia 85 Tahun, Manulife akan membayarkan manfaat hidup panjang sebesar Uang Pertanggungan (WOW!!) atau 5 % dari uang pertanggungan awal (mana yang lebih rendah). Dan manfaat ini TIDAK MENGURANGI UP.

Siapa saja yang dapat APPLY PROHEALTH?



Usia Masuk untuk Produk PROHEALTH ialah 18-55 Tahun, Masa Pembayaran hingga usia 70 tahun.



Plan Uang Pertanggungan Awal :

1. Plan 1 : Rp 500.000.000,- - Rp 1.000.000.000,-
2. Plan 2 : Rp 1.000.000.001,- - Rp 2.000.000.000,-
3. Plan 3 : Rp 2.000.000.001,- - Rp 2.500.000.000,-

Keterangan lebih lanjut mengenai Premi dan Produk Manulife lainnya bisa ke fpriyanti@gmail.com atau call / sms : 08192288626



Dengan menyertakan info :

1. NAMA

2. TANGGAL LAHIR

3. JENIS KELAMIN

4. STATUS MEROKOK



Produk ini juga menyediakan "gift" yang sangat menarik, bagi anda seribu pemakai pertama produk Pro Health Manulife Indonesia.

Premi Syariah Manulife Capai Rp. 8 M

Per Juni 2011, premi produk syariah PT Asuransi Jiwa Manulife Indonesia mencapai Rp8 miliar.



Menurut Vice President Director & Chief Operating Officer Manulife Indonesia Nelly Husnayati di Jakarta, Rabu (27/7), penjualan produk syariah sekitar 3%-4% dari penjualan individu.



"Sekarang kita preminya sudah mencapai sekitar Rp8 miliar pertumbuhannya 138%," tambahnya.



"Ditargetkan sampai akhir tahun sekitar Rp30 triliun. Juni tahun lalu premi syariah Rp 3,3 miliar. Akhir tahun lalu kita akhiri dengan Rp16 miliar," tukasnya.



Dijelaskan Nelly, untuk mencapai target akhir tahun ini, Manulife Indonesia akan meluncurkan beberapa produk baru. "Produknya memang baru unit link. Ada rencana ke depan kita akan tambah produknya. Tapi ini baru ancang-ancang," tuturnya.



"Sama seperti tahun lalu, produksi itu paling tinggi ada di 6 bulan terakhir," tutupnya.

Perlindungan Asuransi Sama Dengan Investasi

Perlindungan diri seperti asuransi yang mampu mencukupi biaya medis jangka panjang yang tak terduga sama pentingnya dengan menabung dan berinvestasi.



"Untuk itu perlu produk asuransi yang menyediakan kenyamanan bagi para nasabah ketika memerlukan biaya medis yang makin tinggi, sehingga dapat memfokuskan diri pada prioritas lainnya dalam hidup,” ungkap Premraj Thuraisingam, Executive Vice President & Chief Agency Officer Manulife Indonesia saat mengenalkan produk ProHealth di Jakarta belum lama ini.



Lebih lanjut dikatakan, seiring meningkatnya tingkat harapan hidup serta kemakmuran, menuntut masyarakat Indonesia lebih sadar akan kebutuhan untuk mempersiapkan biaya pengobatan yang terus meningkat selama

masa bekerja dan pensiun.



"Berdasarkan studi yang dilakukan oleh Organisasi Kesehatan Dunia

(WHO) menyatakan bahwa tingkat pengeluaran kesehatan per kapita di Indonesia meningkat tajam sebesar 54 persen sejak tahun 2004 hingga 2010," ungkapnya.



Produk asuransi ProHealth, produk asuransi kesehatan pertama dan berdiri sendiri yang menawarkan perlindungan kesehatan secara komprehensif untuk semua penyakit termasuk penyakit kritis hingga usia 99 tahun.



“ProHealth merupakan produk yang berorientasi ke depan dari Manulife Indonesia yang menyediakan solusi komprehensif bagi pelanggan untuk kebutuhan kesehatan mereka,” ujar Alan Merten, CEO & President Director Manulife Indonesia.



Secara khusus, ProHealth mengganti biaya rawat inap akibat kecelakaan, cedera, berbagai penyakit serta penyakit kritis. Produk ini mencakup biaya medis seperti biaya bedah dan biaya konsultasi rawat jalan, serta obat-obatan dan ambulans.

Download Fund Fact Sheet

Download FPS Bulan Juni 2011

1. Manulife Dana Pasar Uang
2. Manulife Dana Pasar Uang Syariah
3. Manulife Pendapatan Tetap Dollar (Rp)
4. Manulife Pendapatan Tetap Dollar (USD)
5. Manulife Dana Ekuitas
6. Manulife Dana Ekuitas Syariah
7. Manulife Dana Berimbang Syariah
8. Manulife Dana Berimbang
9. Manulife Pendapatan Tetap Korporasi
10. Manulife Pendapatan Tetap Negara
11. Manulife Dana Ekuitas Indonesia - China (Rp)
12. Manulife Dana Ekuitas Indonesia - China (USD)

Keterangan :

Untuk membuka file-file di atas digunakan Adobe Acrobat Reader. Klik icon berikut untuk mendownload

Bisnis Syariah Manulife Tumbuh 132 Persen

Manulife Financial Indonesia mencatat bisnis syariah tumbuh 132 persen. Vice President Director and Chief Operating Officer Manulife Indonesia, Nelly Husnayati, mengaku perusahaan tersebut melalui unit syariah mencatat premi sebesar Rp 8 miliar di Juni 2011 setelah sebelumnya Rp 3,3 miliar di Juni 2010.



“Kita bakal tingkatkan terus hingga Rp 30 miliar di akhir 2011,” katanya.



Nelly mengaku optimis mengingat tren bisnis di semester kedua yang menunjukan percepatan yang signifikan. Ia berujar unit syariah Manulife bakal mengeluarkan produk baru untuk syariah. Selama ini usaha ini masih mendominasi produk unit link.



“Kalau syariah sebagian besar premi datang dari keagenan,” jelasnya. Ke depan, ia menuturkan Manulife bakal mengembangkan pemasaran dengan membuka distribusi channel baru, seperti bancassurance dan grup yang bakal dimulai tahun depan.



Dari segi klaim, Nelly mengaku bisnis syariah masih memiliki proporsi yang amat minim. Bahkan di bawah satu persen. Klaim didominasi bisnis konvensional hingga Rp 900 miliar. Terjadi peningkatan hingga 49 persen dari tahun sebelumnya.



Dari total bisnis konvensional, syariah berkontribusi hingga empat sampai lima persen. Di semester pertama 2011, asuransi jiwa ini mencatat premi Rp 2,35 triliun atau tumbuh 87 persen dari sebelumnya Rp 1,2 triliun.



Individu tumbuh mendominasi premi baru. Di Juni ini, kenaikan premi baru individu sebesar 100 persen dari Rp 1,1 triliun menjadi Rp 2,2 triliun.

Produk Terbaru Manulife ProHealth

Manulife Targetkan Premi Rp50 M dari Produk Terbarunya, Asuransi Manulife Indonesia menargetkan premi mencapai Rp50 miliar dari produk ProHealth.



ProHealth sendiri diluncurkan hari ini, yaitu suatu produk asuransi kesehatan yang menawarkan perlindungan kesehatan secara komprehensif untuk semua penyakit termasuk penyakit kritis hingga usia 99 tahun.



CEO & President Director Manulife Indonesia Alan Merten menambahkan produk ini tidak membedakan premi antara perokok dan bukan perokok, dan juga perempuan atau laki laki. "Kita yakin produk ini akan sukes di pasar Indonesia, untuk target premi Rp50 miliar sampai akhir tahun," ungkap Alan dalam acara konfrensi pers di Jakarta, Rabu (23/7/2011).



Dia menambahkan produk ProHealth yang baru diluncurkan ini akan menyumbang sekitar 10-15 persen terhadap seluruh portofolio Manulife Indonesia.



"Target nasabah nasabah kita nasabah individu, dan untuk distribusi akan didistribusikan oleh agency, nanti juga bisa melalui bank. Dan untuk kontribusi produk ini sekira 10-15 persen kepada portofilio kita," jelasnya.



Dari Target Rp50 miliar sampai akhir tahun ini, dia berharap akan mendapatkan 500 nasabah dalam sebulannya, sehingga, target premi itu dapat dicapai. "Jumlah nasabah 500 nasabah per bulan, dan premi kita yah Rp50 miliar sampai akhir tahun," tegasnya.



Secara khusus produk ini mengganti biaya rawat inap akibat kecelakaan, cedera, berbagai penyakit kritis, produk ini mencakup biaya medis seperti biaya bedah dan biaya konsultasi rawat jalan, obat-obatan serta ambulans.



"Produk ini juga menawarkan manfaat lain seperti peningkatan jumlah uang pertanggungan secara otomatis ketika tertanggung mencapai 75 tahun, manfaat akhir pertanggungan, dan manfaat kematian," pungkasnya.

Manulife Luncurkan Asuransi Kesehatan

PT Asuransi Jiwa Manulife Indonesia meluncurkan produk asuransi kesehatan yang memberikan perlindungan kesehatan untuk semua penyakit hingga usia 99 tahun.

Premraj Thuraisingam, Executive Vice President dan Chief Agency Officer Manulife Indonesia, mengatakan produk asuransi kesehatan ini dirilis berdasarkan fakta usia harapan hidup orang Indonesia meningkat menjadi 70,7 tahun.



Selain itu, penyakit kritis merupakan penyebab kematian tertinggi di Indonesia hingga 80%. Kenaikan biaya kesehatan dan obat-obatan dua kali lebih cepat dibandingkan dengan kenaikan pendapatan individu.



"Alasan inilah yang membuat kami memasarkan produk ini agar individu bisa mendapatkan perlindungan kesehatan tanpa takut menghabiskan aset dan tabungannya," katanya, hari ini.



Asuransi kesehatan bernama ProHealth ini membidik nasabah individu dengan maksimal usia tertanggung 55 tahun dan tanpa ada kenaikan premi.



Vice President sekaligus Chief Operational Officer Manulife Indonesia Nelly Husnayati (Asuransi Individu Manulife Indonesia) mengungkapkan perseroan menargetkan produk asuransi ProHealth berkontribusi sebesar 5%-10% terhadap pendapatan premi bisnis baru pada akhir tahun.



Dia menambahkan produk tersebut akan dipasarkan melalui jalur distribusi keagenan dan kerja sama perbankan mulai bulan ini.