Insurer responds

Insurer responds

In respect of the letter from S. K. Srivastava, which was
published in The Jakarta Post on Oct. 15 titled Feeling cheated ,
we would like to clarify as follows.

We very much regret that Srivastava is upset, but have to
state categorically that he has not been cheated under his
Company's Group Medical Policy with PT Zurich Insurance Indonesia
(Zurich). Global Assistance & Healthcare is employed by PT Zurich
Insurance Indonesia to act as its Plan Administrator, to assess
and pay benefits in accordance to the Policy Wordings and
Exclusions.

Srivastava's company purchased a Group Medical Policy from
Zurich in June 2001 and renewed it in June 2002. At no time has
the premium, policy wordings or exclusions list been changed by
Zurich or by Srivastava's company. We explained this already to
Srivastava in a letter couriered to him on Oct. 10, 2002. We
contacted the person in charge at Srivastava's company and
received the confirmation that their Group Medical Policy with
Zurich had not been changed in any way since it was initially
purchased in June 2001, and that the exclusion in question was
indeed noted. The company stated it had always been very happy
with the Zurich Medical Policy and with the service provided by
Global Assistance & Healthcare, and had no knowledge of
Srivastava's greivance.

We have a positive and long term relationship with
Srivastava's employer and pride ourselves on our commitment to
service. We are bound, however, to apply the rules of the
Insurance Policy and Wordings even when we might all wish it were
otherwise.

LIDIA T. HARDJASEPUTRA

Senior Manager

Client Services

Global Assistance

& Healthcare/PT Zurich

Insurance Indonesia

Jakarta