About Us
CTI Broker is an independent insurance broker and holds agencies covering everything from Health Insurance 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 South East Asia, both individuals and companies, choosing from international and domestic insurance companies to find the most suitable solutions for clients' requirements.
Our Services
In the short term it is far more important to be prepared for cases of accident or serious illness and it is better to budget for medical bills than to be suddenly confronted with huge medical expenses. We can save you the agony of trying to compare like for like from many insurance quotations, and at all times the first thing we look for is the security of the client. The second concern is to find 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 their financial decisions beyond insurance, from 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 our experienced insurance agent.
International Medical Insurance
We
always search to find 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. e.g., some plans have a deductible on hospitalization where the first $500, $1,000 or even $5,000 are paid by the member. Others may not have a rescue service and some are International plans with tight geographic coverage restrictions, or benefits are too low to be truly international. We can provide coverage for as few as three unrelated members for a group of expatriates.
Benefits
International plans usually have three different benefit ranges, and all of these three plans have emergency medical evacuation.
- The Basic plan covers for hospitalization and surgical cost.
- The Intermediate plan covers the basic plan and also the outpatient services.
- The Top plan covers both plans above and also the maternity benefit plus some other benefits.
- Personal Accident plan covers you if you die due to accident.
- Travel Plan cover you if you lost baggage, document etc while you are traveling outside your country of residence.
Corporate Plans
We can provide coverage for as few as three unrelated members for a group of expatriates. Group Scheme can enjoy the extra group benefits:
- Reducing premiums.
- Flexibility of adding new members during policy year.
- Refunds on those leaving members.
To give your company our best service we require information on date of birth, sex, occupation, nationality, areas of work and company’s line of business.
Individual Plans
We can provide cover for 74 years old at first entry. Some plans offer one premium up to four children.
If you would like us to send you an insurance quote, please fill out and submit the following form:
Local Medical Insurance Policies
The main benefit on the local group insurance schemes is Hospitalisation & Surgical. The additional benefits are:
- Outpatient Services
- Dental Services
- Maternity Benefits
- Optical Benefits
Corporate Insurance Plans
We need a minimum of fifteen for local staff to set up a local group schemes.
The Hospitalisation & Surgical is a must for local corporate plans.
The additional benefits are available for group scheme depend on the
amount of staff
To give you or your company our best service we require information
on ages, nationality, areas of work and travel.
Individual and Family Plans
Most of insurances can only cover Hospitalisation & Surgical for Individual and Family. Some insurances can give additional benefits Outpatient Services, however this will be in reimbursement basis. To give you our best service we require information on ages, sex, occupation, nationality, areas of work and travel.
Additional Insurance Policies
Personal Accident Insurance
The
Personal Accident plan gives you 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:
- Death
- Loss of one or both eyes
- Loss of, or permanent loss of use of one or more limbs
- Permanent total disablement
If you participate in any sporting activities or your occupation is not 100% office based please give details of your activities and/or occupation on your application form. The insurer will advise you of any additional premium payable to ensure you are fully covered at all times when we send you your acceptance terms invoice. No benefit is paid if death or injury is as the result of participating in a hazardous occupation or sport, driving or riding on motor cycles, motor bikes or mopeds. War and terrorist risks are not covered in certain hazardous countries.
Travel Insurance Plans
The travel insurance plan provides travel insurance benefits during trips outside your country of residence. The following benefits automatically apply to each trip you take:
- personal baggage
- cancellation and curtailment
- travel delay
- travel disruption
- hijacking
Motor Vehicle Insurance
Motor
vehicle insurance product is designed specially to accommodate maximum
protection to your car against accidents. Some insurance extend the
coverage against riots, strikes, civil commotion, malicious damage,
terrorism and sabotage, third party liability, flood, and also personal
accident for the driver and passengers. The insurers usually give Comprehensive
Coverage for the 1 to 5 years old car. 6 to 10 years old car usually
get Total Loss Only. The usual extended coverage includes:
- Strike, Riot, Civil Commotion, Terrorism or Sabotage
- Acts of God, Including Floods
- Third Party and Passenger Liability
- Personal Accident for Driver and Passengers
- Medical Expenses due to a road accident
Property Insurance
This policy is designed for all individual, commercial and industrial businesses to insure against loss of property as a result of peril to an insured. This policy indemnifies the insured if the property insured situated in the premises within the geographical area is accidentally and physically lost, destroyed or damaged. It will also indemnify the insured if the business carried at the specified premises is interrupted or interfered with.
Financial and Retirement Planning
CTI Broker has a close working relationship with deVere and Partners, The Worlds Largest Independent Financial Advisory Company, deVere Partners. In conjunction with the Jakarta office of deVere and Partners, CTI broker can offer retirement planning, education fee planning, life assurance and tax efficient management of excess income. Please contact CTI broker to arrange an appointment to discuss.
Professional Indemnity
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.
Public Liability
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 can offer our clients some reasonably priced term insurance. 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 you with a regular monthly income when an illness or injury prevents you from working. These plans have no investment return. Please contact us if you need to discuss the benefits of these types of term life insurance plans.
Our Methodology
Business within our office is conducted in both Bahasa Indonesia and in English. Our staff are able to discuss insurance needs with our clients in either language. The first step we take is an informal, introductory session, to ascertain our clients’ objectives and to demonstrate how the insurance company will be dealt with. There is no fee for this meeting and we can provide consultations for relevant cases on the spot.
Our Network
We have a vast network of contacts as well as a close working relationship with numerous International insurance companies and national Insurance companies, including:
- Interglobal Ltd
- William Russell Ltd
- International Private Healthcare
- Pacific International Insurance Company
- BUPA
- Goodhealth
- PT Asuransi Allianz Life Indonesia
- PT Asuransi Allianz Utama Indonesia
- PT Lippo General Insurance TBK
- PT Asuransi Bina Dana Arta TBK
- PT Asuransi Winterthur Life Indonesia
- American International Underwriters
- PT Asuransi AXA Indonesia
- PT Asuransi Central Asia Raya
- PT Asuransi Sinarmas Life
- PT Asuransi Rama Satria Wibawa
Our motto is "Provide a highly Personalized, Efficient and Responsive services"
CTI BrokerPT 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 info@ctibroker.com, ctibroker@gmail.com
Website www.ctibroker.com