ING Life responds

ING Life responds

Referring to the letter submitted by Mr. Hans de Graaf (The
Jakarta Post, Aug. 21: Insurance and illness), we would like to
take this opportunity to express our deepest appreciation for the
trust that has been placed in ING during the last six years by
Mr. and Mrs. Hans de Graaf. During this period, both Mr. and Mrs.
De Graaf have submitted medical claims, all of which has been
duly honored by ING because of the fact that the claims were
valid in accordance with the insurance policies.

The main reason why Mr. De Graaf's last claim could not be
processed was because of the "preexisting" clause in the
contract. Under the clause, a preexisting condition may not be
necessarily known to the insured. Please note that "prediagnosed"
is different, under which circumstances Mr. De Graaf's claims
would be valid.

We sincerely hope that a continued mutually beneficial
relationship between ING and Mr. De Graaf can be maintained upon
clarification of the issue above.

RIO SUNDORO

Marketing Manager

PT ING Insurance Indonesia

Jakarta