Allianz Insurance, these are the various products, benefits, how to apply, and the procedure for submitting a claim

  Many people are starting to realize the importance of getting insurance in order to be protected from various kinds of risks that may occur in the future. Even so, not a few people are still confused about how to choose the most appropriate insurance product and according to their needs. In fact, there are many insurance companies that offer quality protection benefits.

One of them is Allianz, a well-known insurance company that has a pretty good reputation in Indonesia. There are many Allianz Insurance products with protection benefits and advantages that may be difficult to find in other insurance companies. So, in order to better understand what insurance products are offered by Allianz, including the benefits, how to submit, and the procedure for submitting a claim, first consider the following review.

Allianz Insurance at a Glance

Allianz is an insurance company that was founded in Indonesia in 1981. Initially, this company was only a representative office. Then, in 1989, Allianz established itself as an Insurance company Allianz Utama Indonesia and became a general insurance company.

Seven years later, in 1996 to be exact, this company began exploring the health, life, and pension fund industries. Then, Allianz also began to expand its business by offering sharia-based insurance services in 2006. In this way, the target consumer of this insurance company became wider. 

Various Types of Allianz Insurance Products

Unit Link Type Life Insurance

Unit-linked life insurance products provide an opportunity for its customers to benefit from insurance protection as well as to invest. This product also allows customers to adjust for themselves whether insurance or investment benefits will be prioritized for premium allocation.

Most importantly, understand all the points and conditions of this insurance policy, including the obligation to pay premiums on time. Also understand that there will be acquisition costs in certain policy years if you pay premiums regularly. In addition, you will also be burdened with administrative costs, insurance costs, and so on.

To understand more about this type of Allianz Insurance products and premiums, don't hesitate to contact the nearest Allianz Insurance agent.

Sharia Unit Link Life Insurance

Like the previous types of insurance, this insurance product also combines the benefits of insurance protection and investment at the same time. What makes the difference is that the investments are fully sharia-based. In other words, the way this type of sharia insurance works is to help each other among its members (risk sharing), as well as transparent fund management.

Micro Type Life Insurance

Allianz Micro Life Insurance provides protection facilities for people with low economic level or income. Therefore, the administrative process and features offered by this type of insurance are fairly simple so that they can be obtained at an affordable cost. Not only that, the benefits of protection in the form of compensation can also be given as quickly as possible.

Some of the micro insurance options from Allianz include Lifeboat Amana which can be a means to get protection for customers and their families. There is also a waste exchange insurance that provides protection benefits of up to 5 million Rupiah only by exchanging inorganic waste with a value of 5 thousand Rupiah.

Sharia Hajj Insurance

Through this insurance product, customers are able to prepare for their needs for the pilgrimage. With proper planning, applying for this insurance product is able to realize the plan for Hajj as well as get additional protection during the trip.

Some of the protection provided by this sharia hajj insurance includes compensation from life insurance, medical evacuation, to emergency repatriation. Not only that, there is also compensation worth 200 percent if the customer dies during the pilgrimage or is at the location of Umrah.

Financial Institution Pension Fund

DPLK or Financial Institution Pension Fund is a pension program that is generally used by companies and their employees. Not only pension funds, this type of insurance also offers severance pay programs to its participants. This insurance customer can choose to combine a number of investment options or choose one of them by adjusting their financial conditions and needs.

The advantage of this product is that contributions from the company are considered as costs. Thus, it can reduce corporate income tax.

Bancassurance

Furthermore, there is bancassurance, which is a cooperation program between insurance companies and banks in selling insurance products to customers. Through this insurance product, both the bank and the insurance company will benefit from the sale of insurance and new customers joining.

For customers themselves, the advantage of being a bancassurance participant is the convenience of getting various services at once. With the directions and recommendations given by financial advisors, customers can certainly choose the best and most suitable type of insurance product. Not only that, customers can also find out the estimated amount of protection benefits provided, as well as the nominal premium that needs to be paid.

Because it is formed from cooperation between banks and insurance companies, customers do not need to be confused with the premium payment system. Because, this can be done directly through the customer's account using the auto debit feature or other.

Rider or Additional Insurance

Allianz Insurance also offers riders or additional protection benefits that customers can choose according to their needs. Some of the rider options offered include Allianz health insurance, payor benefits, to the risk of critical illness.

Allianz Insurance Benefits

Each insurance product has its own set of benefits, including Allianz. Here are some benefits of Allianz Insurance.

• Able to be used as a substitute for income to achieve financial goals.
• Giving inheritance or compensation to the family so that their lives can continue well even though they have been left behind as the backbone of the family.
• Become a protection solution that has affordable premium costs.

How to Apply for Allianz Insurance?

You can submit your own Allianz insurance product by contacting the nearest Allianz insurance agent. However, there are several requirements that must be met in order to become an Allianz customer, including:

• Minimum age 15 days to 70 years.
• Attach the application form and fill in all the required identity data.
• Attach an identity card, such as an ID card.
• Prepare a number of supporting documents needed.

Allianz. Insurance Claim Process

Depending on the type of insurance you have, the requirements for submitting a claim may vary, so you need to ask the insurance company directly. After attaching all the documents and meeting the requirements, the company will verify and will directly contact the customer regarding whether or not the insurance claim submission is accepted.

Don't Wait to Regret to Get Insurance Protection Benefits

With the many risks of problems that may occur in the future, everyone needs to prepare for protection through insurance. By choosing the right type, including the required protection benefits and the premium burden, insurance can be a financial product that can be a lifeline in the future. Therefore, don't wait too late to get the benefits of this insurance protection and apply immediately before regretting it.