CTI Broker is an independent insurance broker with interests in everything from health to general insurance. We are dedicated to providing the best value for money without allegiance towards any particular insurance company. CTI Broker is a service-orientated company with highly personalized, efficient and responsive service. CTI Broker provides insurance for expatriates and Indonesians working all over Southeast Asia from international and local insurance companies in pursuit of the most suitable solutions for clients' requirements.
In the short term, it is important to be prepared for cases of accident or serious illness, and it is better to budget for medical bills than try to find money for huge medical expenses. We can save you the agony of trying to compare insurance quotations, and at all times our first concern is the client's security, with the second being the best value for money with the widest coverage. It takes experience to compare one health insurer with another and we are offering our services as an experienced long term healthcare insurance agency. We have helped many individuals and companies with financial decisions such as pensions and life insurance. We communicate effectively by e-mail and by phone, and you will receive responsive and efficient service at all times from
International medical insurance
We are always searching for better and cheaper insurance alternatives for our clients. If we discover that a client we have quoted has found something better, we want to know about it, so that we can check out the company he proposes to use in case we are unaware of them.
In the unusual situation where this has occurred, we analyze the plan for the benefit of our clients to discover if there was a reason for the lower cost which was not immediately apparent. For example, some plans have deductibles on hospitalization where the first $500, $1,000 or even $5,000 are paid by the member. Others may not include rescue service and some have tight geographic coverage restrictions, or the benefits are too low to be truly international. We can provide coverage for as few as three unrelated members for a group of expatriates.
International plans usually have three different benefit ranges, and all of which typically include emergency medical evacuation.
We can provide coverage for a minimum group of three unrelated expatriates. Group plans can enjoy the following extra benefits:
We can provide coverage up to age 74, and some plans offer one premium for up to four children. To provide the best service, we require information on date of birth, sex, occupation, nationality, areas of work and your company’s line of business.
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Local medical insurance policies
The main benefits provided by local group insurance plans are hospitalisation & surgical, with additional benefits available such as:
Corporate insurance plans
A minimum group of fifteen is required for local staff to set up a local group plan.
Additional insurance products
Personal accident insurance
Personal accident plans provide world-wide financial protection against a serious accident. The benefit is paid as a lump-sum in the event of an accident which results in:
If you participate in any sporting activities or your occupation is not 100% office-based, please provide details of such on your application form. The insurer will advise you of any additional premium(s) payable to ensure you are fully covered at all times when we send out your acceptance terms invoice. No benefit is paid if death or injury is the result of participating in a hazardous occupation or sport such as driving or riding on motor cycles, motor bikes or mopeds. War and terrorist risks are not covered in certain hazardous countries.
Travel insurance plans
Travel insurance plans provide travel insurance benefits during trips outside your country of residence. The following benefits and protections automatically apply to each trip you take:
Motor vehicle insurance
Motor vehicle insurance is designed specially to provide maximum protection for your car against accidents. Some insurance extend the coverage against riots, strikes, civil commotion, malicious damage, terrorism and sabotage, third-party liability, floods, and also personal accidents for the driver and passengers. Comprehensive coverage is also available for cars between 1-5 years old, with 6-10 year old cars only eligible for total-loss-only coverage. Extended coverage typically includes:
This product is designed for all individuals, commercial and industrial businesses to insure against loss of property, and indemnifies the insured if the property insured is accidentally and physically lost, destroyed or damaged. It will also indemnify the insured if business carried out at the specified premises is interrupted or interfered with.
This policy protects professionals against all sums which the insured may become legally liable to pay in respect of liability from his or her profession.
This policy indemnifies the insured up to the limit of liability against all sums which the insured may become legally liable to pay in respect of liability from accident caused by or through any negligent act of the insured or any person in the immediate service of the insured.
Employer's liability and workmen compensation
This policy indemnifies the insured against liability as per the law to pay compensation and claimant's costs and expenses for an injury for which he is liable and in addition will pay all costs and expenses with the company's written consent. The Workmen's Compensation policy indemnifies insured employers for the personal injury/death by accident or disease of insured employee(s) arising out of and in the course of his/her employment.
Term life insurance
Life insurance in Indonesia is rather more expensive than in Europe and America. However, we have secured reasonably-priced term life insurance for our clients. Term life insurance allows you to select the cash lump sum your family would need to protect their financial future without you. A protection or security plan will provide a regular monthly income in case of illness or injury, but these plans have no investment return. Please contact us if you would like to further discuss the benefits of these products.
Business within our offices is conducted in both Bahasa Indonesia and English. Our staff are capable of discussing insurance needs with our clients in either language. The first session is typically informal and is for ascertaining our clients’ objectives and demonstrating how insurance companies will be dealt with. There is no fee for this meeting.
We have a vast network of contacts as well as a close working relationship with numerous international and local insurance companies, including:
CTI Broker is in business to provide highly personalized, efficient and responsive services.CTI Broker
PT Cahaya Transformasi Indonesia
Graha Satria II, 3rd Floor
Jl. RS. Fatmawati No. 5
Jakarta 12430 Indonesia
Tel. +62-21 750 2814; +62-21 750 2819
Fax. +62-21 751 1749
Email [email protected], [email protected]