Your Complete Guide to Insurance in Indonesia

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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

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.

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The Ultimate Guide to Insurance Companies in China (2025)

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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

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.

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Asian Insurance Companies Directory

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Head of a Chinese dragon, featuring in the Asian Insurers Directory: 41 Countries with Logos & Websites, post 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.

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Or, view other regions directly:

© 2025 World Insurance Companies Logos and Insurers by Country

The Ultimate Guide to Insurance Companies in India (2025)

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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

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.

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Insurance in Japan: The Complete Guide for Foreigners (2025)

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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

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.

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UAE Insurance

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Flag of UAE, featured in the: UAE insurance, post. 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.

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    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 Insurance

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    The image shows the flag of Uzbekistan. Uzbekistan Insurance - World Insurance Companies Logos.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.

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      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

      from Wikipedia

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      Insurance in Yemen

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      Flag of Yemen, featured in the: Insurance in Yemen, postList 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.

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        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). 

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        Insurers in Turkmenistan

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        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.

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          Economy of 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

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          Insurers in Turkmenistan – World Insurance Companies Logos

          Timor Insurance

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          Flag of Timor, featured in the: Timor insurance, post.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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            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.

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