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Choosing a good insurance company is not easy. Especially in the midst of intense competition among insurance companies today.

Many insurance companies claim they are the best. This can be seen if there is an insurance product offered to the public through ads, almost nothing is less. Similarly, the performance they do, always featured a fine. Somewhat rarely express insurance company management weaknesses they experience.

However, there are several factors that should be considered in the process of choosing a particular insurance company for life insurance and loss.
Things to remember that in choosing a private insurance company, then that should be considered in general are three factors: First, the financial strength (security). Second, services (service). And third, the cost.


The financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking at the flashy exterior. For example storey building, a vehicle that good directors. But when there claims from customers, the company can not pay.

In assessing the financial strength of this there are some benchmarks that need attention.
car insurance

Assets and liabilities. This can be seen from the financial balance sheet is published in the newspaper. See also, whether planted in the current investment or longterm. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts by reasuradur, how he fulfilled the obligation to pay claims, and so forth.

Indicators of net liabilities include equity (own capital) divided by net premiums (net premiums) of at least 50%. Own capital divided by gross premiums (gross premiums) of at least 20%. Limits solvabilitasnya level, which looks from its own capital divided by net premiums of at least 10% and investment funds a minimum technical reserves divided by 100%.

Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means it underwiting polcy good.

Its underwriters. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.

Services (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim. In addition, about the service can actually be felt by the customer. Is this insurance company was absolutely the best service for its customers.

In this connection should also be questioned, whether this insurance company in reinsurance mereasuransikan first-class safety. This can be seen from its annual report. It is important to note, because if the company is not in - backed up by reinsurance, the company is likely to be speculative in receiving the premiums.


The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of income, then obviously the company is not efficient. If it's not efficient, it will end up losing money. And if the losses continue, certainly not healthy.

In this connection, could also see the price premiums. Compare the price of insurance premiums with other insurance. Where the quality really good.

Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (risk capital base). If his numbers of RBC, it means the company is valued in good condition. But we must not be fixed solely with RBC numbers. Because, can also be a large company that is doing great expansion like to open many branches, then his RBC numbers would be small.

Conversely, there is a small insurance company but never to expand, the RBC number was probably much greater.

Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.

In this case, also noteworthy is the company's performance in two or three years. How big profits every year, how much the gross premiums they receive each year, how much additional capital and assets every year.

Is there a management company for this broken promise? Has this company management experience defaults, and so forth.