Navigating the insurance market in Indonesia can be challenging, whether you’re an expat, a local resident, or a business owner. (Menavigasi pasar asuransi di Indonesia bisa menjadi tantangan tersendiri, baik bagi ekspatriat, penduduk lokal, atau pemilik bisnis). With numerous providers offering a wide range of products, finding the right coverage is crucial.
This guide provides a comprehensive directory of the top insurance companies in Indonesia. Click on any logo to access updated information, contact details, and insights to help you choose the best life, health, or general insurance plan for your needs.
Indonesian Insurance Company Directory (Direktori Perusahaan Asuransi Indonesia)
Below is our curated list of leading insurers operating in Indonesia. Use the filters to sort by category and find the provider that best fits your requirements.
All Insurers
General & Life Insurers
Health Insurance Providers
Specialty Insurers & Global Reinsurers
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Retirement Savings
Allianz Global Health Insurance
Provides worldwide health insurance products and solutions.
Health Insurance Providers
AXA Mandiri
AXA Mandiri is a joint venture between AXA Group, a global insurance leader, and Bank Mandiri, one of Indonesia's largest banks. The company provides a wide variety of insurance products, including life, health, and general insurance
General & Life Insurers
Allianz
Offers a wide range of insurance products including property, casualty, life, health, and accident insurance.
General & Life Insurers
BCA Life
BCA Life is a subsidiary of Bank Central Asia (BCA), one of the largest private banks in Indonesia. This insurance company specializes in life insurance, offering various products such as term life, whole life, and endowment plans
General & Life Insurers, Retirement Savings
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & Life Insurers, Retirement Savings
Now Health
Specializes in premium international health insurance for expats, families, and companies worldwide
Health Insurance Providers
Great Eastern logo
As the oldest insurer in Malaysia, they cover all aspects of life, health, and wealth.
General & Life Insurers
Aswata
A prominent Indonesian insurer providing a variety of general insurance products for personal and commercial needs
General & Life Insurers
Prudential plc | Provides life and health insurance and asset management
A leading international financial group providing life insurance, health coverage, and asset management services
General & Life Insurers
Allianz Trade
Specializes in trade credit insurance.
Specialty Insurers & Global Reinsurers
Tugu Insurance
Offers a broad portfolio of general, reinsurance, and sharia-compliant insurance products for diverse risk needs.
General & Life Insurers
AIG
A recognized insurer for property, civil liability, financial lines, and global specialty coverage.
Specialty Insurers & Global Reinsurers
CHINA TAPING
A state-owned financial and insurance group offering a diverse portfolio of life, property, and casualty insurance, as well as reinsurance and asset management.
General & Life Insurers
Chubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
General & Life Insurers
Tokio Marine Life
Provides a diverse range of life, health, and investment-linked insurance products for individuals.
General & Life Insurers
Generali Group
One of the largest global insurance and asset management providers.
General & Life Insurers
AON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
Insurance Brokers & Risk Advisors
Cigna
Provides a range of health insurance products, including medical, dental, vision, and Medicare plans
Health Insurance Providers
ING
A global financial institution offering various products, including insurance solutions through regional partnerships.
Other Financial Institutions (Banks)
AIA
A prominent life and health insurance provider in China, offering products for protection, savings, and wellness to individuals and businesses.
Health Insurance Providers
Zurich
Provides life, health, property, and casualty insurance.
General & Life Insurers
HSBC
Offers life and investment insurance tied closely with banking services.
Other Financial Institutions (Banks)
Howden
An international insurance broker with a focus on corporate risk.
Insurance Brokers & Risk Advisors
Marsh
A global insurance broker and risk advisor.
Insurance Brokers & Risk Advisors
Coface
A global leader in trade credit insurance.
Insurance Brokers & Risk Advisors
Pacific Prime
An insurance broker specializing in international coverage.
Insurance Brokers & Risk Advisors
Understanding the Healthcare System in Indonesia (Memahami Sistem Layanan Kesehatan di Indonesia)
Indonesia has a diverse and evolving healthcare landscape. Here’s what you need to know:
Healthcare System: Indonesia operates a dual-tier system with public facilities funded by the national health insurance scheme (BPJS Kesehatan) and private healthcare facilities, primarily in urban centers.
Common Health Challenges: While improving, the country still deals with communicable diseases like dengue fever and tuberculosis. Non-communicable diseases such as cardiovascular issues and diabetes are also a growing concern.
Maternal and Child Health: Significant progress has been made, but access to quality maternal and child healthcare services remains a priority, especially in rural areas.
Infrastructure Disparities: Major cities boast modern hospitals, but healthcare access can be limited in remote islands and rural regions, creating a gap in health outcomes.
COVID-19 Impact: The pandemic placed significant strain on the healthcare system, accelerating vaccination efforts and the expansion of healthcare capacity.
Frequently Asked Questions (FAQs) about Indonesian Insurance (Pertanyaan yang Sering Diajukan (FAQ) tentang Asuransi Indonesia)
Navigating the insurance landscape in a new country can raise many questions. Here are clear, concise answers to some of the most common queries about getting insured in Indonesia.
1. Is health insurance mandatory for foreigners in Indonesia? Yes, it is highly recommended and often a requirement. For long-term stays (with a KITAS/KITAP visa), proof of health insurance is mandatory. While not strictly enforced for short-term tourists, the high cost of private medical care makes having comprehensive travel or international health insurance essential. Without it, you could face significant out-of-pocket expenses for even minor incidents.
2. Can expats use the public healthcare system (BPJS Kesehatan)? Yes, under certain conditions. Foreigners who have been legally working in Indonesia for six months or more are required to be enrolled in BPJS Kesehatan, with contributions split between the employer and employee. Holders of long-term visas like KITAS or KITAP can also register independently. However, many expatriates find the public system challenging due to potential language barriers and long wait times, and they often supplement it with private insurance for more comprehensive coverage and access to private hospitals.
3. What is the difference between life insurance and health insurance? It’s a common point of confusion.
Health Insurance covers your medical and surgical expenses. It pays for things like doctor visits, hospital stays, medication, and emergency care while you are alive.
Life Insurance provides a financial payout (a “death benefit”) to your chosen beneficiaries after you pass away. This money is intended to provide financial security for your family, covering things like lost income, funeral costs, and future expenses.
4. What should I look for in a property insurance policy in Indonesia? Given Indonesia’s geography, it’s crucial to have a policy that specifically covers natural disasters. Look for:
Standard Coverage: Protection against fire, theft, and water damage.
Essential Extensions: Specific coverage for earthquakes, volcanic eruptions, and tsunamis. These are often add-ons to a standard policy.
Liability Coverage: Protects you if a guest is injured on your property.
All-Risk vs. Named Perils: A “Property All Risks” (PAR) policy is generally more comprehensive than a standard policy (PSAKI), as it covers everything except what is explicitly excluded.
5. What is “unit-linked” insurance (asuransi unit link)? Unit-linked insurance is a popular product in Indonesia that combines life insurance with an investment component. A portion of your premium pays for the insurance coverage, while the rest is invested in funds (similar to mutual funds). While they offer the potential for higher returns, they also carry investment risk, meaning the value of your policy can fluctuate with the market.
6. Do I need a local Indonesian insurance policy, or is my international plan enough? This depends on your needs and visa status. An international health plan often provides more comprehensive coverage, global portability, and service in English, making it the preferred choice for many expats. However, for certain visas (like a Work KITAS), you may be required to show proof of a policy issued by an Indonesian-registered company. Many people opt for both: a local policy to meet visa requirements and an international plan for robust medical coverage.
7. How do I make an insurance claim in Indonesia? The process is generally standard but requires prompt action:
Notify your insurer immediately: Most policies have a strict deadline for reporting an incident (e.g., within 7 days).
Gather documentation: This includes police reports (for accidents or theft), medical receipts and reports (for health claims), photos of damage (for property claims), and any other relevant proof.
Complete the claim form: Fill out your insurer’s official claim form accurately and attach all required documents.
Follow up: Stay in contact with the insurance company’s adjuster or representative to track the status of your claim.
Explore resources in other regions (Jelajahi sumber daya di wilayah lain)
Welcome to your complete guide to China’s insurance market, the second-largest in the world. With its massive scale and a competitive mix of dominant state-owned companies, private domestic players, and international joint ventures, understanding your options is essential.
This guide is designed to help you navigate this complex landscape. We will explain how to choose a provider, how to verify their legitimacy, and provide a comprehensive directory of the leading insurers operating in China.
How to Choose an Insurance Company in China: 4 Key Steps
Before you start comparing policies, follow these critical steps to ensure you are choosing a secure and reliable company.
1. Verify the Insurer with the Official Regulator
This is the most important step for your protection. All legitimate insurance companies in China are regulated by the China Banking and Insurance Regulatory Commission (CBIRC). The CBIRC’s role is to ensure the stability of the market and protect policyholders. Before signing any contract, you should confirm the company is licensed by checking the CBIRC’s official public register.
2. Assess the Company’s Financial Strength
Look for the company’s solvency and financial strength ratings from international agencies like A.M. Best, S&P, or Moody’s, as well as their disclosures mandated by the CBIRC. This is especially important for ensuring the company can pay out large claims.
3. Compare Policy Features, Not Just Premiums
Get quotes from a shortlist of verified insurers. When comparing, look beyond the price and analyze the specific benefits, coverage limits, exclusions, and waiting periods (especially for health insurance). For expatriates, ensure the policy includes high-quality medical networks with direct billing and English-speaking services.
4. Research Customer Service and Reputation
A company’s reputation for customer service and claims processing is critical. Look for reviews and feedback from other customers, particularly regarding their experience during a claim. A smooth, transparent process is a hallmark of a quality insurer.
Directory of Insurance Providers in China
Explore our directory of major insurance providers operating in China. Use the filters to sort by category and click on any logo for more detailed information and a link to their official website.
All Insurers
General & Life Insurers
Health Insurance Providers
Specialty Insurers & Global Reinsurers
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Retirement Savings
Ping An Insurance Company of China, Ltd.
Ping An is one of the largest and most well-known insurance companies in China. It offers a wide range of services, including life insurance, health insurance, property and casualty insurance, and asset management
General & Life Insurers
China Life Insurance
China Life is one of the oldest and largest life insurance companies in China. It provides a variety of life insurance products, including individual and group life, health insurance, and pension plans.
General & Life Insurers, Retirement Savings
ZhongAn Online P&C Insurance Co. Ltd.
Founded by major players like Alibaba, Tencent, and Ping An, ZhongAn specializes in providing affordable insurance products through digital platforms. It offers a wide array of services, from health and life insurance to travel and property insurance
Specialty Insurers & Global Reinsurers
ICBC-AXA Life Insurance Co., Ltd.
A joint venture between the Industrial and Commercial Bank of China (ICBC) and AXA Group, ICBC-AXA offers a comprehensive range of life insurance products, including protection plans, wealth management, and health insurance
Other Financial Institutions (Banks)
CPIC
As a leading integrated insurer in China, CPIC offers a comprehensive range of life, property, and casualty insurance, alongside asset management services.
General & Life Insurers
PICC
One of China's largest state-owned insurance groups, providing a vast array of property & casualty, life, and health insurance products nationwide.
General & Life Insurers
Fubon Insurance
A subsidiary of Fubon Financial Holdings, it offers a wide variety of property and casualty insurance products for both personal and commercial clients.
General & Life Insurers
BHSI
(Berkshire Hathaway Specialty Insurance): Provides commercial property, casualty, healthcare professional liability, and other specialty insurance.
Specialty Insurers & Global Reinsurers
Cathay Life
A major life insurer offering protection, savings, and investment-linked life insurance products to individuals and groups.
General & Life Insurers
New China Life
A leading life insurance company in China, focusing on providing a wide range of life insurance and asset management services.
General & Life Insurers
ChinaBank
Offers a range of bancassurance products, integrating insurance solutions like life and accident cover with its banking services.
Other Financial Institutions (Banks)
TAIKANG GROUP
A large financial services group specializing in insurance, asset management, and healthcare, with a strong focus on retirement and elder care solutions.
General & Life Insurers
SINOCHEM HOLDINGS CORPORATION LTD
SINOCHEM HOLDINGS CORPORATION LTD: A major state-owned conglomerate whose financial arm has significant holdings in the insurance and reinsurance sectors, including ownership of China Re.
Other Financial Institutions (Banks)
CHINA TAPING
A state-owned financial and insurance group offering a diverse portfolio of life, property, and casualty insurance, as well as reinsurance and asset management.
General & Life Insurers, Retirement Savings
MINSHENG Life
A national life insurance company providing various life, annuity, and health insurance products to the Chinese market.
General & Life Insurers
AIA
A prominent life and health insurance provider in China, offering products for protection, savings, and wellness to individuals and businesses.
General & Life Insurers
SINO LIFE CO., LTD / TOKIO
A joint venture (Great Wall Changsheng Life) offering a variety of life and health insurance products, combining local expertise with international experience.
General & Life Insurers
MetLife
Offers a range of insurance and retirement solutions, including group benefits and dental/disability plans.
General & Life Insurers
TIAN AN PROPERTY CO., LTD.
A specialized property and casualty insurer offering coverage for homes, vehicles, and commercial assets.
General & Life Insurers
Allianz
Offers a comprehensive suite of insurance products, including auto, home, life, health, and specialized commercial insurance.
General & Life Insurers
AIG
A recognized insurer for property, civil liability, financial lines, and global specialty coverage.
Specialty Insurers & Global Reinsurers
Munich Re
A global reinsurer that provides reinsurance capacity and risk solutions.
Specialty Insurers & Global Reinsurers
Chubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
Specialty Insurers & Global Reinsurers
Cigna China
A joint venture specializing in health insurance, providing high-end medical, wellness, and healthcare management services.
Health Insurance Providers
China Continent Insurance
A national property and casualty insurer providing a wide range of products including auto, home, and commercial liability coverage.
General & Life Insurers
Liberty China
Offers a broad range of personal and commercial insurance products, including auto, home, and business solutions in China.
General & Life Insurers
Bupa
Provides premium international health insurance with a strong global network.
Health Insurance Providers
Tokio Marine & Nichido Fire Insurance Co., Ltd.
A leading Japanese insurer with a strong presence in China, offering property, casualty, and marine insurance.
General & Life Insurers
Now Health – API
Specializes in premium international health insurance plans for expatriates, families, and businesses in Asia and worldwide.
Health Insurance Providers
Generali China
A joint venture providing a wide array of life and general insurance solutions, including wealth management and protection plans.
General & Life Insurers
Mapfre Re
The reinsurance arm of Mapfre, providing reinsurance to other insurers.
Specialty Insurers & Global Reinsurers
Markel Corporation
Offers a wide range of specialty insurance products, including professional liability and cyber
Specialty Insurers & Global Reinsurers
QBE
Offers commercial, specialty, reinsurance, and liability insurance.
Specialty Insurers & Global Reinsurers
Swiss Re
A leading global reinsurer supporting the local market.
Specialty Insurers & Global Reinsurers
Hannover Re
One of the world's largest reinsurers with a diverse portfolio.
Specialty Insurers & Global Reinsurers
AVIVA
Through its joint venture, offers a wide range of general and life insurance products
General & Life Insurers
SwissLife Group insurance
Offers comprehensive life, pension, and financial solutions, focusing on long-term savings and risk protection for clients in the region.
General & Life Insurers
AON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
Insurance Brokers & Risk Advisors
ING
A global financial institution offering various products, including insurance solutions through regional partnerships.
Other Financial Institutions (Banks)
Korean Re
Colombia offers underwriting businesses in property, casualty and bouquet treaty lines through its representative office in Bogotá.
Specialty Insurers & Global Reinsurers
AXA XL
Specialty Insurers & Global Reinsurers
Allianz Trade China
Specializes in trade credit insurance, protecting businesses against customer non-payment.
Specialty Insurers & Global Reinsurers
ERGO
A large European insurance group offering comprehensive life and general insurance products through its Chinese partnerships.
General & Life Insurers
Prudential plc | Life, Health & Retirement Insurance
A leading provider of life, health, and retirement insurance solutions across Asia, with a strong presence in mainland China.
A leading provider of specialty insurance lines, including aviation, marine, property, and casualty insurance.
Specialty Insurers & Global Reinsurers
Gen RE
A global reinsurer that provides capacity to other insurance companies.
Specialty Insurers & Global Reinsurers
LLOYD’S
Operates as a specialist insurance market
Specialty Insurers & Global Reinsurers
CHINA RE
The dominant state-owned reinsurer in China, providing a full spectrum of reinsurance products to the domestic and international markets.
Specialty Insurers & Global Reinsurers
Zurich
Provides life, health, property, and casualty insurance.
General & Life Insurers
PartnerRe
A leading global reinsurer offering specialty lines, property, casualty, life, and health reinsurance solutions.
Specialty Insurers & Global Reinsurers
Gard
A leading provider of marine insurance and risk management solutions.
Specialty Insurers & Global Reinsurers
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & Life Insurers
HDI
A German-backed insurer with a strong international presence in industrial and commercial lines.
General & Life Insurers
Legal & General
Offers a variety of investment and insurance solutions, often focusing on asset management and retirement products.
General & Life Insurers
Pacific Life Re
A global reinsurer specializing in providing life, annuity, and health reinsurance solutions to clients.
Specialty Insurers & Global Reinsurers
HSBC
Offers life and investment insurance tied closely with banking services.
Other Financial Institutions (Banks)
Howden
An international insurance broker with a focus on corporate risk.
Insurance Brokers & Risk Advisors
Arch Insurance
Offers a wide range of property, casualty, and specialty insurance products.
Specialty Insurers & Global Reinsurers
Atradius
A global specialist in trade credit insurance, surety bonds, and debt collection services.
Specialty Insurers & Global Reinsurers
Chaucer Group
A specialty insurance group operating through international coverholders and syndicates at Lloyd's.
Specialty Insurers & Global Reinsurers
Marsh
A global insurance broker and risk advisor.
Insurance Brokers & Risk Advisors
Coface
A global leader in trade credit insurance.
Specialty Insurers & Global Reinsurers
Pacific Prime
An insurance broker specializing in international coverage.
Insurance Brokers & Risk Advisors
Understanding Key Insurance Types in China
Property Insurance: Coverage for homes and businesses against risks like fire and natural disasters.
Health Insurance: China has a basic public health insurance system, but most urban professionals and expatriates rely on private health insurance to access high-quality private hospitals and international clinics. Providers like Ping An, Bupa, and Allianz offer plans with robust coverage.
Life Insurance: This is a dominant sector in China, with major players like China Life, Ping An, and CPIC leading the market. Policies range from simple term life protection to complex savings and investment-linked products.
General (Property & Casualty) Insurance: This category includes:
Auto Insurance: Mandatory third-party liability is required, but comprehensive coverage is standard for most car owners.
Frequently Asked Questions (FAQ)
Q1: Who is the main insurance regulator in China? The primary regulator for all banking and insurance institutions in China is the China Banking and Insurance Regulatory Commission (CBIRC). Always ensure your chosen insurer is licensed by them.
Q2: Who are the largest insurance companies in China? The market is dominated by a few very large players. Ping An and China Life are giants in the life and health sectors. PICC is a leader in property and casualty insurance. Together, these companies hold a significant portion of the market share.
Q3: Can a foreigner buy insurance in China? Yes. Foreigners legally residing in China can and should purchase insurance. Many international providers and joint ventures offer specialized health insurance plans for expatriates with features like multilingual support and international medical evacuation.
Your essential guide to insurance in Asia. Discover company logos and direct links to providers across 41 nations. From industry giants to innovative startups, begin your search here.
Our platform makes it easy for you to explore insurance options across Asia. Simply click on the flag of the country you’re interested in to view the logos and directly access the websites of its respective insurers. There, you’ll find up-to-date information on their coverage options, costs, and services.
Explore Asian Insurers by Country (41 Nations)
Discover the logos and direct links to insurance companies in over 41 Asian nations. Click on a country’s flag to begin:
Top Asiatic Insurance Companies to Know (+41 Nations)
Explore Asian Insurance Logos and Insurers by Country (+41 Nations). Looking to identify the leading insurers on the continent? Here, we highlight some of the largest and most recognized companies operating in Asia. Our complete directory will allow you to connect with these and many others:
Ping An (China): Asia’s largest insurer, providing life, health, property, casualty, and other products.
Samsung Life (South Korea): A leading life insurer in Asia, offering a broad range of life assurance products.
AIA Group (Hong Kong): A major life insurer in Asia, with a strong presence in many markets across the region.
Japan Post Insurance (Japan): Japan’s largest insurer, offering life, health, and additional insurance products.
Tokio Marine Holdings (Japan): A leading insurer in Asia, providing a wide range of life, health, property, and casualty insurance services.
ICICI Prudential (India): A major life insurer in India, offering a comprehensive range of life insurance products.
Bajaj Allianz (India): Another prominent life insurer in India, delivering a variety of life insurance solutions.
Manulife Asia (Hong Kong): A leading insurer across Asia, providing life, health, and other insurance services in many regional markets.
For a complete overview, explore our Asian Insurance Logos and Insurers by Country directory. You’ll find official logos and direct links to stay informed.
The Dynamic Asian Insurance Market and its Context
Asia’s economic growth and the region’s unique challenges drive the demand for insurance products.
Economic Growth and Insurance: Asia is the world’s fastest-growing economic region and the largest continental economy, with giants like China, India, and Japan leading the way. This economic dynamism translates into a greater need for insurance products to protect assets, investments, and personal well-being. As economies develop, so does insurance penetration.
Public Health Challenges and the Importance of Insurance: Asia faces public health challenges, such as pollution, access to sanitation, and the impact of natural disasters. These factors, along with outbreaks of communicable diseases, underscore the growing importance of having financial protection through reliable health insurance. Our directory helps you locate insurers offering relevant coverage across the region.
Welcome to your complete guide to navigating India’s dynamic and rapidly growing insurance market. With dozens of public and private companies offering a vast array of products, choosing the right insurer for your life, health, or auto needs can be a significant decision.
This guide is designed to empower you with the knowledge to make that choice confidently. We will explain how to verify an insurer’s legitimacy, what to look for when comparing policies, and provide a comprehensive directory of the key players in the Indian market.
How to Choose an Insurance Company in India: 4 Essential Steps
Before you start comparing quotes, follow these critical steps to ensure you select a reliable and regulated provider.
1. Verify the Insurer is Licensed by the IRDAI
This is the most important step. Every legitimate insurance company operating in India must be licensed by the Insurance Regulatory and Development Authority of India (IRDAI). The IRDAI is the government body that protects policyholders’ interests. You can verify any company’s license on the IRDAI’s official website. Never purchase a policy from an unlisted entity.
2. Check the Claim Settlement Ratio (CSR)
The IRDAI annually publishes the Claim Settlement Ratio for all insurers. This percentage shows how many claims an insurer has paid out versus how many it received. A consistently high CSR (ideally above 95%) is a strong indicator that the company honors its commitments to policyholders.
3. Compare Premiums and Policy Features
Once you have a shortlist of licensed companies with a good CSR, you can start comparing quotes. Do not just look at the premium price. Carefully examine the coverage benefits, exclusions, waiting periods (for health insurance), and any riders or add-ons to ensure the policy meets your specific needs.
4. Review Customer Service and Reputation
Look for online reviews and feedback from existing customers regarding the company’s service quality and claims process. A company that is easy to communicate with and supportive during a claim can make a significant difference.
Directory of Insurance Providers in India
Explore our directory of major insurance providers operating in India. Use the filters to sort by category and click on any logo for more detailed information and a link to their official website.
All Insurers
General & Life Insurers
Health Insurance Providers
Specialty Insurers & Global Reinsurers
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Government Schemes & Entities
Life Insurance Corporation of India (LIC)
The largest state-owned insurer in India, offering a wide range of insurance services including life, health, and pension plans.
Government Schemes & Entities
The New India Assurance Co. Ltd.
One of the largest public sector general insurers, providing auto, property, health, and business coverage.
Government Schemes & Entities
ICICI Prudential Life Insurance
A joint venture between ICICI Bank and Prudential, it is one of India's largest private-sector life insurers.
General & Life Insurers
HDFC Life Insurance HDFC Life
A joint venture between HDFC Ltd. and abrdn (formerly Standard Life), it is one of the top private-sector life insurance companies in India.
General & Life Insurers
Bajaj Allianz General Insurance
Known for its wide range of general insurance offerings, including health, motor, travel, and more.
General & Life Insurers
Tata AIG General Insurance
Provides a variety of general insurance solutions including health, motor, home, travel, and business insurance
General & Life Insurers
SBI Life Insurance
A subsidiary of the State Bank of India, SBI Life Insurance is one of the largest private life insurers in the country
General & Life Insurers
Max Life Insurance
Max Life Insurance Max Life is one of the leading private life insurers in India, offering a range of life insurance products such as term plans, ULIPs, and savings & investment plans
General & Life Insurers
ADITYA BIRLA CAPITAL
Discover a world of financial solutions at Aditya Birla Capital – your trusted partner for investments, insurance, loans, and a wide range of financial services in India
General & Life Insurers
Care Health Insurance
A specialized health insurer offering a wide range of plans for individuals, families, and corporations.
Health Insurance Providers
HDFC ERGO
HDFC ERGO offers General Insurance Policies We offer range of general insurance plans in India including motor, health, travel home Secure yourself your assets!
General & Life Insurers
Niva Bupa
A leading health insurer known for its customer-centric and personalized health plans.
Health Insurance Providers
RELIANCE
A major Indian conglomerate with a significant presence in general and life insurance through its various subsidiaries.
General & Life Insurers
UNITED INDIA Insurance
A leading public-sector insurer providing a wide range of non-life insurance policies.
Government Schemes & Entities
barthi | AXA Insurance
Offers a range of life and general insurance solutions tailored to individual and business needs.
General & Life Insurers
pnb MetLife
A collaboration between PNB and MetLife, offering a range of life insurance and retirement products.
General & Life Insurers
Oriental Insurance Company Ltd
A government-owned general insurance company providing coverage for a variety of risks.
Government Schemes & Entities
Allianz Global Health Insurance
Provides worldwide health insurance products and solutions.
Health Insurance Providers
IFFCO | Tokio
General Insurance - Buy Car, Bike, Health, Travel and Home Insurance Policy Online
General & Life Insurers
Royal Sundaram Alliance
A leading player in the general insurance sector, offering innovative solutions for individuals and businesses.
General & Life Insurers
SHRIRAM Life India Assurance
Focuses on providing accessible life insurance, especially for the rural and lower-income markets.
General & Life Insurers
Star Union Dai-ichi Life Insurance.
Star Union Dai-ichi Life Insurance: A joint venture offering a variety of life insurance products to meet diverse financial needs.
General & Life Insurers
Munich Re
A global reinsurer that provides reinsurance capacity and risk solutions.
Specialty Insurers & Global Reinsurers
RAHEJA – QBE, India
RAHEJA – QBE, India: A joint venture providing general insurance solutions, specializing in retail and commercial insurance
General & Life Insurers
AON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
Insurance Brokers & Risk Advisors
Liberty China
Offers a broad range of personal and commercial insurance products, including auto, home, and business solutions in China.
General & Life Insurers
Markel Corporation
Offers a wide range of specialty insurance products, including professional liability and cyber
Specialty Insurers & Global Reinsurers
SBI General
Offers a full suite of non-life insurance products including health, car, bike, and home.
General & Life Insurers
FUTURE GENERALI COMPANY
A composite insurance provider offering both life and general solutions with a focus on innovation.
General & Life Insurers
Swiss Re
A leading global reinsurer supporting the local market.
Specialty Insurers & Global Reinsurers
ManipalCigna
Offers a suite of health insurance plans focusing on customer wellness and quality healthcare.
Health Insurance Providers
AVIVA
Through its joint venture, offers a wide range of general and life insurance products
General & Life Insurers
Hannover Re
One of the world's largest reinsurers with a diverse portfolio.
Specialty Insurers & Global Reinsurers
ING
A global financial institution offering various products, including insurance solutions through regional partnerships.
Other Financial Institutions (Banks)
AXA XL
Specialty Insurers & Global Reinsurers
TATA AIA Group
Tata AIA, India s trusted life insurance provider Explore our life insurance plans for family protection, savings, and wealth creation
General & Life Insurers
Allianz Trade
Specializes in trade credit insurance.
Specialty Insurers & Global Reinsurers
ERGO
A large European insurance group offering comprehensive life and general insurance products through its Chinese partnerships.
General & Life Insurers
Now Health
Specializes in premium international health insurance for expats, families, and companies worldwide
Health Insurance Providers
Prudential
A global brand offering life insurance and investment solutions.
General & Life Insurers
Gen RE
A global reinsurer that provides capacity to other insurance companies.
Specialty Insurers & Global Reinsurers
LLOYD’S
Operates as a specialist insurance market
Specialty Insurers & Global Reinsurers
HSBC
Offers life and investment insurance tied closely with banking services.
Other Financial Institutions (Banks)
Howden
An international insurance broker with a focus on corporate risk.
Specialty Insurers & Global Reinsurers
Atradius
A global specialist in trade credit insurance, surety bonds, and debt collection services.
Specialty Insurers & Global Reinsurers
Marsh
A global insurance broker and risk advisor.
Insurance Brokers & Risk Advisors
Coface
A global leader in trade credit insurance.
Specialty Insurers & Global Reinsurers
Understanding Key Insurance Types in India
Home Insurance: Protects your property and its contents from risks like fire, theft, and natural disasters.
Life Insurance: This is a massive sector in India, led by the state-owned LIC. Life insurance provides a financial payout to your family upon your death. Popular types include Term Insurance (pure protection), Endowment Plans (insurance + savings), and ULIPs (insurance + investment).
Health Insurance: Crucial for accessing India’s quality private healthcare network. Policies cover expenses related to hospitalization, treatments, and sometimes pre- and post-hospitalization costs. Cashless facilities are a key feature to look for.
General Insurance: This broad category includes:
Motor Insurance: Third-party liability insurance is mandatory for all vehicles. Comprehensive plans cover damage to your own vehicle as well.
Frequently Asked Questions (FAQ)
Q1: Who is the main insurance regulator in India? The primary regulatory body is the Insurance Regulatory and Development Authority of India (IRDAI). It oversees all insurance companies and protects policyholders.
Q2: Who is the largest insurance company in India? The Life Insurance Corporation of India (LIC), a government-owned entity, is the largest life insurer by a significant margin. In the general insurance sector, public sector companies like New India Assurance and private players like ICICI Lombard and HDFC ERGO are market leaders.
Q3: Is it better to buy insurance directly from the company or through an aggregator/agent? Both have pros and cons. Buying directly can be straightforward. Using an aggregator website helps you compare multiple quotes at once. A good agent can provide personalized advice. Regardless of the channel, your policy is ultimately with the insurance company, so ensure they are IRDAI-approved.
For expatriates moving to or living in Japan, navigating the insurance landscape can feel complex. From understanding the national health system to choosing the right coverage for earthquakes, making an informed decision is vital.
This guide simplifies the process. We provide a comprehensive directory of Japan’s leading insurance providers and answer the most critical questions foreigners face. Click any logo to get direct access to official information, contacts, and services.
Directory of Top Insurance Companies in Japan
This directory includes major Japanese insurers and global providers with a strong presence in the country. Use the filters to find the right company for your life, health, property, or specialty insurance needs.
All Insurers
General & Life Insurers
Health Insurance Providers
Specialty Insurers & Global Reinsurers
Insurance Brokers & Risk Advisors
Other Financial Institutions (Banks)
Other Financial Institutions (Motoring Clubs)
Retirement Savings
Tokio Marine Holdings
A leading insurer with a strong presence in property, casualty, and auto insurance.
General & Life Insurers
MS&AD Group
A top Japanese insurer providing a wide range of property, casualty, and life insurance solutions.
General & Life Insurers
Sompo Holdings
A major Japanese property and casualty insurer offering diverse insurance products and risk management services.
General & Life Insurers
Nippon Life.
One of Japan's largest life insurers, offering a wide range of life and health products.
General & Life Insurers, Retirement Savings
SUMITOMO LIFE
A leading Japanese life insurer providing comprehensive individual, group, medical, and retirement insurance plans.
General & Life Insurers
DAI-ICHI LIFE
A major Japanese insurer providing a diverse portfolio of life, health, and annuity products.
General & Life Insurers, Retirement Savings
JAPAN POST Insurance
A top Japanese life insurer offering simple, accessible policies through its vast post office network.
General & Life Insurers
Now Health
Specializes in premium international health insurance for expats, families, and companies worldwide
Health Insurance Providers
AIG
A recognized global insurer for property, civil liability, financial lines, and specialty risk coverage.
General & Life Insurers
Allianz Global Health Insurance
Provides worldwide health insurance products and solutions.
Health Insurance Providers
Munich Re
A leading global reinsurer strengthening insurers with innovative risk transfer and capital management products.
Specialty Insurers & Global Reinsurers
MetLife
Offers a range of insurance and retirement solutions, including group benefits and dental/disability plans.
General & Life Insurers
SBI Holdings
A financial group offering various services, including a range of life and non-life insurance products.
General & Life Insurers
Sumitomo Life
General & Life Insurers
Sony Life Co., Ltd. Japanese Insurance Company
A Japanese insurer specializing in providing customized life insurance plans through its "Lifeplanner" consultants.
General & Life Insurers
Asahi Mutual Life Ins. Co.
A Japanese mutual company providing a variety of life, medical, and long-term care products.
General & Life Insurers
Chubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
General & Life Insurers
AXA
A global insurer providing a wide array of solutions, including auto, home, life, and health insurance.
General & Life Insurers
Swiss Re
A leading global reinsurer supporting the local market.
Specialty Insurers & Global Reinsurers
Mapfre Re
The reinsurance arm of Mapfre, providing reinsurance to other insurers.
Specialty Insurers & Global Reinsurers
Hannover Re
One of the world's largest reinsurers with a diverse portfolio.
Specialty Insurers & Global Reinsurers
AON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
Insurance Brokers & Risk Advisors
JAPAN AUTOMOBILE FEDERATION
Japan's largest motor club, providing roadside assistance, member services, and driving-related support.
Other Financial Institutions (Motoring Clubs)
ING
A global financial institution offering various products, including insurance solutions through regional partnerships.
Other Financial Institutions (Banks)
Korean Re
Colombia offers underwriting businesses in property, casualty and bouquet treaty lines through its representative office in Bogotá.
Specialty Insurers & Global Reinsurers
AXA XL
Specialty Insurers & Global Reinsurers
Allianz Trade
Specializes in trade credit insurance.
Specialty Insurers & Global Reinsurers
Prudential plc | Provides life and health insurance and asset management
A leading international financial group providing life insurance, health coverage, and asset management services
General & Life Insurers
STARR
Offers specialty insurance for aviation, marine, and liability.
Specialty Insurers & Global Reinsurers
Gen RE
A global reinsurer that provides capacity to other insurance companies.
Specialty Insurers & Global Reinsurers
LLOYD’S
Operates as a specialist insurance market
Specialty Insurers & Global Reinsurers
Zurich
Provides life, health, property, and casualty insurance.
General & Life Insurers
Pacific Life Re
A global reinsurer specializing in providing life, annuity, and health reinsurance solutions to clients.
Specialty Insurers & Global Reinsurers
Gard
A leading provider of marine insurance and risk management solutions.
Specialty Insurers & Global Reinsurers
HDI
A German-backed insurer with a strong international presence in industrial and commercial lines.
General & Life Insurers
PartnerRe
A leading global reinsurer offering specialty lines, property, casualty, life, and health reinsurance solutions.
Specialty Insurers & Global Reinsurers
Manulife
Offers a comprehensive range of life insurance, retirement solutions, and wealth management services globally.
General & Life Insurers
HSBC
Offers life and investment insurance tied closely with banking services.
Other Financial Institutions (Banks)
ATHENE
A leading retirement services company specializing in fixed and fixed-indexed annuity products for income.
General & Life Insurers
Atradius
A global specialist in trade credit insurance, surety bonds, and debt collection services.
Specialty Insurers & Global Reinsurers
Marsh
A global insurance broker and risk advisor.
Insurance Brokers & Risk Advisors
Coface
A global leader in trade credit insurance.
Specialty Insurers & Global Reinsurers
Pacific Prime
An insurance broker specializing in international coverage.
Insurance Brokers & Risk Advisors
Navigating Insurance in Japan: FAQs for Expats
Here are answers to the most frequently asked questions about the Japanese insurance system.
1. Do foreigners have to get Japanese health insurance? Yes. All residents of Japan, including foreigners staying for three months or more, are required by law to be enrolled in a public health insurance plan. This is typically either the National Health Insurance (NHI) for students and the self-employed, or the Employees’ Health Insurance (EHI) for those employed by companies.
2. What does public health insurance (NHI/EHI) cover? Public insurance is excellent and typically covers 70% of most medical bills, including doctor visits, hospitalizations, and prescriptions. However, it does not cover everything. Services like routine dental check-ups, orthodontics, and childbirth are often not fully covered, which is why many residents purchase supplemental private insurance.
3. Is earthquake insurance necessary in Japan? It is highly recommended. Standard fire insurance policies in Japan do not cover damage from earthquakes, tsunamis, or volcanic eruptions. Earthquake insurance must be purchased as an optional rider to your fire insurance policy. Given Japan’s seismic activity, it is considered an essential protection for homeowners and renters.
4. What are the main types of private insurance available? Beyond health and earthquake coverage, common private insurance types include:
Life Insurance: Provides financial security for your family.
Car Insurance (Jidousha Hoken): Compulsory liability insurance is required, but most people add comprehensive policies.
Personal Accident Insurance: Covers injury or death resulting from an accident.
Cancer Insurance: Specialized policies to cover the high costs of cancer treatment.
5. Can I use my international insurance plan instead of a Japanese one? While an international plan can be excellent for covering the 30% gap left by public insurance or for accessing specific private clinics, it cannot replace your legal obligation to enroll in Japan’s public health system (NHI or EHI). Many expats use both for comprehensive protection.
UAE, Asia – World Insurance Companies Logos. Click on the insurance company logos to get a lot of up-to-date information from each insurer in the United Arab Emirates. We want to help you find the best coverage on the Internet.
Insurance Companies Logos in UAE
Insurance Companies Logos in UAE. A logo is immediately recognizable as a synonym for the brand and allows the customer to associate the company with the useful qualities such as trust, fair price, and many other key questions about finding the best insurance. Click on the logos to get a lot of vital information to select the best underwriter.
All
Sukoon Insurance
The company offers comprehensive solutions across life, health, motor, property, and casualty insurance
Abu Dhabi National Insurance Company (ADNIC)
Established in 1972, ADNIC is a leading multi-line insurance provider in the UAE. The company offers a range of products, including health, motor, property, and casualty insurance, catering to both individual and corporate clients.
ADNIC
Established in 1972, ADNIC is a leading multi-line insurance provider in the UAE. The company offers a range of products, including health, motor, property, and casualty insurance, catering to both individual and corporate clients
MetLife
Offers a range of insurance and retirement solutions, including group benefits and dental/disability plans.
National Life and General Insurance Company (NLG)
National Life and General Insurance Company (NLG): Operating since 1995, NLG is one of the major health insurance providers in the UAE market. The company offers a range of insurance products and is recognized for its professionalism and customer support.
TOKIO MARINE
A global Japanese insurer providing commercial, corporate, and specialty risk solutions in Australia.
DNI | Dubai National Insurance
DNI offers a variety of insurance products, including motor, home, travel, and medical insuranc
Salama Islamic Arab Insurance Company
Established in 1979, Salama is one of the largest providers of Shariah-compliant Takaful solutions globally. The company offers family, general, motor, health, pet, and home content Takaful products.
Allianz Global Health Insurance
Provides worldwide health insurance products and solutions.
BHSI
(Berkshire Hathaway Specialty Insurance): Provides commercial property, casualty, healthcare professional liability, and other specialty insurance.
AIG
A recognized insurer for property, civil liability, financial lines, and global specialty coverage.
Qic
Daman
Munich Re
A global reinsurer that provides reinsurance capacity and risk solutions.
Chubb
Offers a broad range of property, casualty, accident, health, and life insurance products.
AXA
A global insurer providing a wide array of solutions, including auto, home, life, and health insurance.
Liberty Specialty Markets
Focuses on specialty insurance, including energy, marine, aviation, and financial lines.
Arabia INSURANCE
Markel Corporation
Offers a wide range of specialty insurance products, including professional liability and cyber
QBE
Offers commercial, specialty, reinsurance, and liability insurance.
ING
A global financial institution offering various products, including insurance solutions through regional partnerships.
Korean Re
Colombia offers underwriting businesses in property, casualty and bouquet treaty lines through its representative office in Bogotá.
AXA XL
Allianz Trade
Specializes in trade credit insurance.
Generali Group
One of the largest global insurance and asset management providers.
DUBAI Insurance
ANIB
RAK Insurance
Now Health
Specializes in premium international health insurance for expats, families, and companies worldwide
gig Insurance Group
Alliance Insurance
BuyAnyInsurance
All-Futtaim Willis
Orient
Provides tailored takaful schemes and programs, empowering policyholders with flexibility.
Adamjee
NGI
Al khazna
Al Dhafra
Sharjah
Dar Al Takaful
Al Fujairah National
Insurance House
FidelityUnited
Howden
An international insurance broker with a focus on corporate risk.
Watania
ASCANA – TAKAFUL
HAYAH TAKAFUL
Takaful emarat
METHAQ Takaful
ALSAGR Insurance
NOW – Arabia Insurance
STARR
Offers specialty insurance for aviation, marine, and liability.
Gen RE
A global reinsurer that provides capacity to other insurance companies.
Cigna
Provides a range of health insurance products, including medical, dental, vision, and Medicare plans
LLOYD’S
Operates as a specialist insurance market
Zurich
Provides life, health, property, and casualty insurance.
HSBC
Offers life and investment insurance tied closely with banking services.
Chaucer Group
A specialty insurance group operating through international coverholders and syndicates at Lloyd's.
Coface
A global leader in trade credit insurance.
Expatica: The largest online resource for expats
Pacific Prime
An insurance broker specializing in international health insurance.
UAE press
Economy In United Arab Emirates
The economy of the United Arab Emirates is the second largest in the Arab world (after Saudi Arabia), with a gross domestic product (GDP) of $570 billion (AED2.1 trillion) in 2014. The United Arab Emirates has been successfully diversifying its economy.
Although UNITED ARAB EMIRATES has the most diversified economy in the GCC, the UAE’s economy remains extremely reliant on oil. With the exception of Dubai, most of the UAE is dependent on oil revenues.
Petroleum and natural gas continue to play a central role in the economy, especially in Abu Dhabi. More than 85% of the UAE’s economy was based on the oil exports in 2009. While Abu Dhabi and other UNITED ARAB EMIRATES have remained relatively conservative in their approach to diversification, Dubai, which has far smaller oil reserves, was bolder in its diversification policy. In 2011, oil exports accounted for 77% of the UAE’s state budget.
Dubai suffered from a significant economic crisis in 2007-2010 and was bailed out by Abu Dhabi’s oil wealth. Dubai’s current prosperity has been attributed to Abu Dhabi’s petrodollars. Dubai is currently in extreme debt. Tourism is one of the main sources of revenue in the UAE, with some of the world’s most luxurious hotels being based in the UAE.
Uzbekistan, Asia – World Insurance Companies Logos. Click on the insurance company logos to get a bunch of up-to-date information from every insurer. We want to help you find the best coverage on the Internet.
Insurance Companies Logos In Uzbekistan
Insurance Companies Logos In Uzbekistan. A logo is immediately recognizable as a synonym for the brand and allows the customer to associate the company with the useful qualities such as trust, fair price, and many other key questions about finding the best insurance.
All
Kafolat
Uzbekinvest
GROSS
TEMIRYO’L SUG’URTA
Euroasia
Temir Yo’l Sugurta
Uzbekistan press
Uzbekistan’s health care
In the post-Soviet era, the quality of health care has declined. Between 1992 and 2003, spending on health care and the ratio of hospital beds to population, both decreased by nearly 50 percent, and Russian emigration in that decade deprived the health system of many practitioners.
In 2004 Uzbekistan had 53 hospital beds per 10,000 population. Basic medical supplies such as disposable needles, anesthetics, and antibiotics are in very short supply.
Although all citizens nominally are entitled to free health care, in the post-Soviet era bribery has become a common way to bypass the slow and limited service of the state system.
In the early 2000s, policy has focused on improving primary health care facilities and cutting the cost of inpatient facilities. The state budget for 2006 allotted 11.1 percent for health expenditures, compared with 10.9 percent in 2005
List of Insurance Companies logos and Names in Yemen – World Insurance Companies Logos. Click on the insurance company logos for a bunch of updated information offering to every insurer. We would like to help you find the best coverage online.
Insurance Companies Logos in Yemen
Insurance Companies Logos in Yemen. A logo is immediately recognizable as a synonym for the brand and allows the customer to associate the company with the useful qualities such as trust, fair price, and many other key questions about finding the best insurance.
All
Yemen General Insurance Co
Yemen General Insurance Co. (YGI), established in 1977 as the first private insurance firm in the country. YGI provides a variety of insurance services, including general, Takaful, and health insurance, tailored to cover complex liabilities and risk exposures
Yemen Commercial Bank,
founded in 1993. While primarily a banking institution, it offers finance and insurance products, contributing to the financial services landscape in Yemen.
International Network of Insurance (INI)
The International Network of Insurance (INI) includes partners that provide insurance services in Yemen, ensuring that clients have access to coverage when operating in the region
General Corporation
AON
A global professional services firm providing a broad range of risk, retirement, and health solutions.
CAC Bank
Mareb Yemen Insurance Co.
TRUST Yemen
Pacific Prime
An insurance broker specializing in international health insurance.
Yemen press
Economy
The civil war in Yemen, one of the Arab world’s least developed countries, has brought tentative efforts at modernization and integration into the global economy to a halt. The conflict’s most immediate cause is a breakdown in relations between interim President Abd Rabbuh Mansour Hadi and the Houthis, a Zaydi Shia rebel movement. In March 2015, Saudi Arabia launched an intensive bombing campaign in an attempt to restore Hadi to power.
The Houthis have retained significant gains on the ground, and Hadi has fled to Saudi Arabia. Al-Qaeda in the Arabian Peninsula has exploited the conflict to seize parts of eastern Yemen and develop a working relationship with anti-Houthi tribal militias. Yemen’s limited oil and gas production has been severely disrupted, and the prolonged conflict continues to take a heavy toll on the already fragile economy.
Before the current war, Yemen’s economy had already been in a dire state. With structural economic reforms largely abandoned, years of mismanagement and corruption had compounded the depletion of natural resources and led to chronic underdevelopment. The conflict has aggravated this situation. From
Agriculture and fishing
Agriculture is the mainstay of Yemen’s economy. Numerous environmental problems hamper growth in this sector—soil erosion, sand dune encroachment, and deforestation—but the greatest problem by far is the scarcity of water. As a result of low levels of rainfall, agriculture in this region relies heavily on the extraction of groundwater, a resource that is being depleted. Yemen’s water tables are falling by approximately two meters a year.
Although Yemen’s extensive territorial waters and marine resources have the potential to produce 840,000 tons of fish each year, the fishing industry is relatively underdeveloped and consists largely of individual fishermen in small boats.
Oil and Gas This country is a small oil producer and does not belong to the Organization of the Petroleum Exporting Countries (OPEC).
List of Insurance Companies Logos and Names in Turkmenistan – World Insurance Companies Logos. Click on the insurance company logos to get a lot of up-to-date information from insurers in Turkmenistan. We want to help you to find the best coverage on the Internet.
List of Insurance Companies Logos and Names in Turkmenistan
List of Insurance Companies Logos and Names in Turkmenistan. A logo is immediately recognizable as a synonym for the brand and allows the customer to associate the company with the useful qualities such as trust, fair price, and many other key questions about finding the best insurers in Turkmenistan. Click on each logo to get a great deal of vital information to select the best insurers in Turkmenistan.
The country possesses the world’s fourth-largest reserves of natural gas and substantial oil resources. Turkmenistan has taken a cautious approach to economic reform, hoping to use gas and cotton sales to sustain its economy. In 2004, the unemployment rate was estimated to be 60%.
Between 1998 and 2002, Turkmenistan suffered from the continued lack of adequate export routes for natural gas and from obligations on extensive short-term external debt. At the same time, however, the value of total exports has risen sharply because of increases in international oil and gas prices. Economic prospects in the near future are discouraging because of widespread internal poverty and the burden of foreign debt.
President Niyazov spent much of the country’s revenue on extensively renovating cities, Ashgabat in particular. Corruption watchdogs voiced particular concern over the management of Turkmen’s currency reserves, most of which are held in off-budget funds such as the Foreign Exchange Reserve Fund in the Deutsche Bank in Frankfurt, according to a report released in April 2006 by London-based non-governmental organization Global Witness.
According to the decree of the Peoples’ Council of 14 August 2003, electricity, natural gas, water and salt will be subsidized for citizens up to 2030. In addition car drivers are entitled to 120 litres of free petrol a month. Drivers of buses, lorries and tractors can get 200 litres of fuel and motorcyclists and scooter riders 40 litres free. On 5 September 2006, after Turkmenistan threatened to cut off supplies, Russia agreed to raise the price it pays for Turkmen natural gas from $65 to $100 per 1,000 cubic meters. Two-thirds of Turkmen gas goes through the Russian state-owned Gazprom. Natural gas and export routes As of May 2011, the Galkynysh gas field has the second-largest volume of gas in the world, after the South Pars field in the Persian Gulf. Reserves at the Galkynysh gas field are estimated at around 21 trillion cubic metres. The Turkmen Natural Gas Company (Türkmengaz), under the auspices of the Ministry of Oil and Gas, controls gas extraction in the country. Gas production is the most dynamic and promising sector of the national economy. In 2010 Ashgabat started a policy of diversifying export routes for its raw materials. China is set to become the largest buyer of gas from Turkmenistan over the coming years as a pipeline linking the two countries, through Uzbekistan and Kazakhstan, reaches full capacity. In addition to supplying Russia, China and Iran, Ashgabat took concrete measures to accelerate progress in the construction of the Turkmenistan-Afghanistan-Pakistan and India pipeline (TAPI). Turkmenistan has previously estimated the cost of the project at $3.3 billion. On 21 May 2010, president Gurbanguly Berdimuhamedow unexpectedly signed a decree stating that companies from Turkmenistan will build an internal East-West gas pipeline allowing the transfer of gas from the biggest deposits in Turkmenistan (Dowlatabad and Yoloten) to the Caspian coast. The East-West pipeline is planned to be around 1,000 km long and have a carrying capacity of 30 bn m³ annually, at a cost of between one and one and a half billion US dollars.
Oil Most of Turkmen’s oil is extracted by the Turkmenistan State Company (Concern) Türkmennebit from fields at Koturdepe, Balkanabat, and Cheleken near the Caspian Sea, which have a combined estimated reserve of 700 million tons. The oil extraction industry started with the exploitation of the fields in Cheleken in 1909 (by Branobel) and in Balkanabat in the 1930s. Production leaped ahead with the discovery of the Kumdag field in 1948 and the Koturdepe field in 1959. A big part of the oil produced in Turkmenistan is refined in Turkmenbashy and Seidi refineries. Also, oil is exported by tankers through the Caspian Sea to Europe via canals.
Energy Turkmen is a net exporter of electrical power to Central Asian republics and southern neighbors. The most important generating installations are the Hindukush Hydroelectric Station, which has a rated capacity of 350 megawatts, and the Mary Thermoelectric Power Station, which has a rated capacity of 1,370 megawatts. In 1992, electrical power production totaled 14.9 billion kilowatt-hours. From Wikipedia
List of Insurance Companies Logos and Name in East Timor – World insurance companies logos. Click on the insurance company logos to get a bunch of up-to-date information offered to every insurer. We want to help you to find the best insurance on the Internet.
List of Insurance Companies Logos and Names in Timor
List of Insurance Companies Logos and Names in Timor. A logo is immediately recognizable as synonymous with the brand and allows the client to associate the insurance company with the useful qualities such as trust, the right price, and many other vital issues about finding the best insurance. Click on each logo for much vital information to select the best insurer.
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Federal Pacific
Prudential plc
Sinarmas
INDOMOBIL Finance
Generali Group
One of the largest global insurance and asset management providers.
Pacific Prime
An insurance broker specializing in international health insurance.
Timor press
Economy in Timor
The economy of this Nation is ranked as a low income economy by the World Bank. It is placed 158th by Human Development Index, indicating a low level of human development. 20% of the population is unemployed, and 52.9% live on less than US $1.25 a day. About half of the population is illiterate.
According to data gathered in the 2010 census, 87.7% of urban and 18.9% of rural households have electricity, for an overall average of 36.7%.
The country continues to suffer the after effects of a decade-long independence struggle against Indonesia, which damaged infrastructure and displaced thousands of civilians.
In 2007, a bad harvest led to deaths in several parts of the country. In November 2007, eleven subdistricts still needed food supplied by international aid.
Oil and gas One promising long-term project is the joint development with Australia of petroleum and natural gas resources in the waters southeast of East Timor.
Timor-Leste inherited no permanent maritime boundaries when it attained independence, repudiating the Timor Gap Treaty as illegal. A provisional agreement (the Timor Sea Treaty, signed when the region became independent on 20 May 2002) defined a Joint Petroleum Development Area (JPDA), and awarded 90% of revenues from existing projects in that area to Timor and 10% to Australia.The first significant new development in the JPDA since Timorese independence is the largest petroleum resource in the Sea, the Greater Sunrise gas field.
Its exploitation was the subject of separate agreements in 2003 and 2005. Only 20% of the field lies within the JPDA and the rest in waters not subject to the treaty (though claimed by both countries). The initial, temporary agreement gave 82% of revenues to Australia and only 18% to Timor-Leste.
The government of Timor-Leste has sought to negotiate a definite boundary with Australia at the halfway line between the countries, in accordance with the United Nations Convention on the Law of the Sea. The government of Australia preferred to establish the boundary at the end of the wide Australian continental shelf, as agreed with Indonesia in 1972 and 1991. Normally a dispute such as this would be referred to the International Court of Justice or the International Tribunal for the Law of the Sea for an impartial decision, but the Australian government had withdrawn itself from these international jurisdictions (solely on matters relating to maritime boundaries) shortly before Timorese independence.
Nevertheless, under public and diplomatic pressure, the Australian government offered instead a last-minute concession on Greater Sunrise gas field royalties alone. On 7 July 2005, an agreement was signed under which both countries would set aside the dispute over the maritime boundary, and Timor would receive 50% of the revenues (estimated at A$26 billion or about US$20 billion over the lifetime of the project) from the Greater Sunrise development.
Other developments within waters claimed by Timor-Leste but outside the JPDA (Laminaria-Corallina and Buffalo) continue to be exploited unilaterally by Australia, however.
Some proceeds from Timor’s petroleum royalties directly to the country’s sovereign wealth fund, the Timor-Leste Petroleum Fund.