Everyone will certainly meet unexpected things in their lives, such as illness, accidents, natural disasters and death. For example, if someone has an accident, then the person will take a long time off at work, as a result he will not get a salary and affect his finances in the future. Well, to overcome this risk, financial management is needed such as insurance companies.
Insurance is a financial protection system (financial compensation) for health, life, property and other risks. That is, the person who experiences illness or accident, registers his soul in insurance, when he experiences this, then the person will receive a premium in exchange for the policy that guarantees the protection (according to the agreement previously made).
Therefore, it is very important to have an insurance company that is credible and fully responsible when we experience disaster. For this reason, on this occasion, we will review the ten best insurance companies in the world, as one of our references in choosing insurance that is suitable and suitable for our needs.
1. AXA
The best insurance company in the world is currently held by AXA. AXA is a French insurance company headquartered in Paris, with its services including life insurance and savings-investment.
Since it was founded in 1817 ago, AXA has transformed into a world-class insurance company and has penetrated almost all over the world, including Indonesia. In addition to offering life insurance, AXA also has property insurance, accident / death, and asset management services.
This company has managed to attract the attention of more than 100 million people who are in 56 countries in the world to become their custumer. The employees only recorded 157 thousand people. If we want to find a trusted, credible and responsible insurance company, AXA is the answer.
2. Zurich Insurance Group
From the name, everyone knows that this insurance company is from Switzerland. Zurich Insurance was founded around 1872, at the time of the revival of Europe at that time.
Zurich insurance is a global company organized into three core business segments, namely general insurance, global life insurance and corporate insurance. Not surprisingly, they are ready to cover costs such as health, accidents, products, property and other fields related to the soul.
Since it was first opened until now, it is estimated that there are 170 Zurich Insurance branches around the world that are driven by more than 60 thousand employees. Zurich also includes a public company, where shares can be owned by anyone.
3. China Life Insurance
Even though it was newly established, around 2003, China Life Insurance is one of the largest insurance companies in the world. The original goal was to accommodate the community insurance customers themselves who were confused to get health and life insurance services.
In addition to health and life insurance, the company also helps its customers in planning their old age (retirement), asset management, property, accidents and investment savings. As a company with high credibility, China Life Insurance is currently listed in several world stock exchanges, such as the New York Stock Exchange and the Hong Kong Stock Exchange.
4. Berkshire Hathaway Insurance
The best insurance company is then occupied by Berkshire Hathaway. This insurance company was founded in 1839 and is now headquartered in Omaha, Nebraska, United States.
Now Berkshire is led by one of the richest people in the world, namely Warren Buffet. Since Buffett's presence as the company's locomotive, Berkshire has become the best financial insurance company. One of the strategies, namely by having many subsidiary companies (subsidiaries or affiliates).
The company provides a relatively high annual rate of return, which is 25% to shareholders for the last 25 years, with a large amount of capital and little debt. The parable, one thousand US dollars invested in Berkshire in 1957, changed to 350,5 million US dollars at the end of 2017.
5. Prudential
Prudential's name is no stranger to Indonesians, because indeed this company has penetrated through mass media such as advertisements on TV. Please note, Prudential is a British insurance company founded in 1848 ago.
Prudential is a multinational company, which has many loyal customers, which is around 24 million spread throughout the world. Although its head office is in London, Prudential has strategic business units in Asia and America (Jackson National Life). Prudential's mainstay services are old age services (retirement), annuity, and savings-investment.
6. UnitedHealth Group
UnitedHealth Group is one of the insurance companies from the United States that has major services in the health sector. Founded in 1977 by Richard T. Burke, until now the company has always benefited from this financial services business.
The company has two main divisions, namely UnitedHealt Care, which focuses on health benefits and UnitedHealth Optum, which focuses on health services. The two divisions collaborate and have satisfied more than 85 million people in 125 countries around the world.
7. Munich Re Group
In addition to Allianz SE, in Germany there is also the world's best insurance company, the Munic Re Group, based in Munich. The anniversary was not much different from the rival, which is around 1880.
As one of the multinational companies, Munich Re Group has 160 branches spread across 30 countries around the world. Currently there are around 45,000 employees, they are ready to serve custumer who entrust their health and other risks if the disaster befalls them.
The services offered are fairly complete, ranging from life insurance, health, accidents, vehicles, property, aviation and natural disasters.
8. Assicurazioni Generali S.p.A
Assicurazioni generali is an insurance company originating from the pizza tower country. Founded in 1831, the company has a role as the largest insurance provider in its own country and several European countries, East and Central Asia and America.
Approximately 60 countries in the world, have benefited from the protection services offered by this insurance company. The business focus, including life insurance, family protection from accidents, insurance savings and insurance investments. All include protection of luxury cars, homes, accidents, health and risk of commercial companies. At present the number of employees has reached 77 thousand with 65 million clients worldwide.
9. Japan Post Insurance
It is still easy, which was established on January 23, 2006, the insurance company from the sunrise country is one of the most profitable companies in Japan.
Actually, Japan Post Insurance is a subsidiary of Japan Post Holding where there are four main divisions, the other three are Japan Post Service, Japan Post Network, and Japan Post Bank.
As of 2015, around 80% of the company's shares were owned by the Government and the rest could be owned by the public. Financial services offered, including life insurance, non-life insurance, automobile and health insurance.
Source : Statista
