Health Insurance

Hello riafulton.

Welcome to Expat.com!

A longer introduction would be great!

You can consult our partner for a free quote : https://www.expat.com/en/insurance/asia/indonesia/bali/

Thank you,
Aurélie

Thank you Aurelie,

Will check the website!

You might also want to have a look at Sue Speak's company, Bali Medical Insurance which has been around for about 20 years here on Bali. 

http://www.balimedicalinsurance.com/

And here's an interview with her done by The Bali Advertiser some years back:

http://www.baliadvertiser.biz/articles/ … speak.html

I don't know any expat in Ubud whose been around for a good while who doesn't use her for their insurance needs.

Thank you, Ubudian ( like this name).

I will check it out!

Hi,

the cheapest one for me is expatrie assurance, and with them you are under Allianz company for a cheap price at the first $.
Moreover, in case of hospitalization, the insurance company directly undertakes your hospital medical expenses for you to avoid paying out of your own pocket sums that can be important,and here it could be a lot...

You can contact them in Bali, [email protected] and they will explain you how it works if you need an hospitalization or if you have an accident. They provide Repatriation or medical transport as well...

It is always good in this case to have a real person to talk to.

Cheers!

For the record I checked the Allianz rates and compared them to William Russell several times over the past years.  William Russell which is the company that Bali Medical Insurance represents is cheaper and they also provide assignment of benefits for hospitalization costs.

You'll find that most long term expats on Bali use Sue Speak...Bali Medical Insurance, and have their coverage through William Russell of London.

And btw, Sue Speak is a real person and very easy to talk to.

Hi...
I am sure..

But She is not the only one now in Bali . I ask her a quotation and find something more cheap for the same coverage. So I share it here, nothing more.

Allianz is expensive here in Indonesia if you are dealing with them directly.

Here you pass by a big broker who already negotiate the rates.

I pay for my family 1484 USD per year for 5 people ( 2 parents and my 3 kids) and I never found better price than that In Indonesia.

I just share my experience and the best deal I found as Bali is an expensive place when we are living here with 3 kids... I take care to every little cost but I will not be here without a health assurance when we know the price of hospital and other

This is just my point of view and my experience for other.

Medical insurance depends on three primary factors...the ages of the insured, their medical history and their residence.  So, it's difficult to make accurate comparisons of premium costs without actually applying for the coverage and having an underwriter determine the premiums. 

In my past life that's what I did for a living...actuarial medical underwriting for huge group policies issued by the Prudential...the real Prudential, aka, the rock.

Private individuals are always WAY better off getting their medical insurance through a broker.  This become very evident when it's time to file a claim as that broker will also act as your claim expeditor and go between.  That's when they really earn their commissions.

William Russell Awards:

    2009 William Russell winner for Best International Private Health Group (2nd time in three years)

    2009 William Russel winner for Best International Insurance Provider.

    2009 William Russell finalists for Best Commitment to Service and Best International Provider Far East

    2007 William Russell winner for Best International Private Health Group

    2006 William Russell winner for Best Commitment to Customer Service

Thank you so much for all the info!!!

Thank you for sharing your experience!

Our health is very important to insurance, especially while live on Bali island

You can try looking at covers offered by A+ International and William Russell. They offer a very high limit of enrolment age, like up to 70. A+ International actually has a cheaper plan for people living in Indonesia. Worth checking out!

We can assist you, please call me on 08123801683 .. Richard

So Richard, why would anyone want to contact you regarding health insurance?

What's your company, what's your background, etc. etc.?

[moderated: no free ads please register your company in the business directory]

Richard, I was able to read your post before it was moderated, so let me reply to it:

I just ran my stats through your on-line medical quote system and received a quote for each of your three plans:  Premier Essential, Premier Executive and Premier Ultra.  It's no small wonder to me why “last year our premiums were reduced by +/- 22% and this year they have been held without increase.”

Here are the annual premiums I was quoted for each of these three plans:

Premier Essential:  $6,875.00
Premier Executive:  $10,358.00
Premier Ultra:  $11,836.00

The plan most comparable to the one I already have through William Russell is your Premier Ultra plan, and those premiums are more than 5 times what I currently pay…AND my coverage includes up to two weeks per annum for visits back in the US whereas all your plans exclude any coverage in China, the US and the Caribbean.   

Now, to be totally fair, my plan includes a high deductible ($3,500.00) but your plans only provide a 35% premium reduction for a $3,400.00 deductible, which on a pure and fair apples to apples comparison puts your Premier Ultra premiums at 4 times my current premiums.

Edit:  Just so you know, I did not moderate your posts, nor do I have moderating privileges on this forum.

Hello, ( Sorry you don't give your name)

Apologies for taking a while to respond.

After reading your comments you are effectively saying that you pay $1923 a year for top level cover including pregnancy ( that would be interesting ) and dental cover. 

With the greatest respect for someone over 60 this is amazing !

We do actually have a plan we can offer you for $3166 including a 30% excess and dental treatment. However just like William Russell it does not offer ongoing unlimited chronic cover, which as one gets older or (maybe even younger people these days) require. It provides huge peace of mind for those of us living here.

Our TMH plans are as well marketed in full compliance to the Indonesian legal requirements affecting KIT S holders and given the present reviews of the banking and Insurance Industry here this is an issue that  is likely to become increasingly relevant. The policies are purpose designed and start at $500 for young people whom require cover for accidents and evacuation. These are not one size fits all products, people contact us because of word of mouth once they hear of our proactive attitude.

The TMH plans have a cut off for entry of 65 years old, because providing long term guarantees as they do our Insurers are not prepared to take on over 65 year old because the risk is significant. Once enrolled one is enrolled for life or until you decide to cancel. Our plans provide six weeks cover in the USA as most do as long as the problem occurs while in the USA.

In response to your question as to why anyone would buy a plan from us.

In a very real sense we entered the market here intending to provide a relevant safety net for residents, we were the first to do this and have refined our operation to provide a resource that the community can and do call on.

We have been active here since 1984 and have a track record that many are fully aware of, in fact this lead to us being able to develop and market our own plans for this market that of course work all over the planet and are backed by the worlds largest health Insurer AXA. We have yet to find any other company that have been recognised by the Insurance industry in this manner

I also Head ERSI ( Emergency Response Service Indonesia ) a pro bono service for anyone with medical problems who may not have Insurance or funds. We have facilitated solutions for many people over the past 25 years +  . This lead to my being the Prime Responder when the Bomb exploded in Bali this is now a matter of public record, despite my not highlighting it. I was approached in 2009 by some National security advisors who tracked me down and subsequently invited me to be one of  Seven Key note Speakers at a conference in Singapore for Senior National Security Advisors attended by delegates from across the globe. My subject was Dealing with Disaster. I spoke last but one in the six day conference the final speaker being the British Shadow Minister for defence. There is a document published by the Singapore government titled 3rd Asia - Pacific National Security Programme that I can send you by email if you are interested.

So as to why anyone would buy a health Insurance policy from us, simply put its because we provide a consultation and advice service that helps people in  dealing with health issues that need a degree of local knowledge and our expertise is recognised at government level. We in fact are the pioneers of the industry here. The Brokers who arrived many years later do not provide the service we do and that is why we have a large following.

Additionally I am founder of two vibrant NGO's here that assist people in need.  The MuM foundation has built over 65 schools for children in areas of great need and those affected by disaster and we also have an Orphanage here dedicated to one of the victims of the bombing whom we were unable to save. I am founder also of GuS Bali foundation and we have instigated many environmental projects including the Temnesi waste treatment project in the Ginayar area.

In summation many people here are very happy to have an unlimited guarantee for their health issues and the knowledge that they can call and receive appropriate advice 24/7 from our team. Many residents here understand that a medical Insurance policy is just a piece of paper that does or does not pay the bills, we provide a truly personal service that resolves issues related to the limitations of the medical facilities here Third Millennia Health is a 21 st century response that has been developed specifically to keep the community safe.

In the event that you do wish to continue this conversation my email is [email protected]

“After reading your comments you are effectively (sic) saying that you pay $1923 a year for top level cover including pregnancy ( that would be interesting ) and dental cover.”

Dental hasn't been mentioned in anything I wrote, and as you should know if you're in the medical insurance business, medical policies generally exclude dental work, but may offer it as an option (with additional premiums).  In reality, given the high quality and low cost of dental work on Bali, it is unnecessary to include dental coverage.  That can be handled out of pocket easily enough. 

Regarding your glib comment relating to pregnancy, obviously, any medical insurance application regardless if taken over the internet or through an insurance agent is going to ask for gender, and indicating male gender automatically excludes pregnancy.  Female applicants of child bearing ages are normally provided with the option (at additional premiums) to have pregnancies included in their medical insurance plans. 

I find your comment to be particularly flippant when I've made it clear to you that I was a long time medical insurance specialist and actuarial underwriter for many years. 

I applaud your NGO work on Bali, and best wishes with those continued endeavors, but it is painfully obvious to me that you don't have much, if any, background or expertise in medical insurance. 

Thanks for your offer, but I'll stick with William Russell, a company of long standing and impeccable reputation…and a company which specializes in the medical and life insurance needs of expatriates.

Well in that case you are not comparing apples for apples ,

I do agree that dental cover is not required here and in that case our Executive cover is the relevant cover . That is why I mentioned pregnancy and dental  cover as you stated that the closest cover was Ultra ..that includes those benefits and these are the only differences between Executive and Ulra cover.

I note you have not responded to my comment that you are being covered for $1923 according to your maths. 

Executive is the relevant cover at a  cost of $6850 after discounts, how much did you say you pay for William Russell -- without long term chronic cover ?

There was no glibness intended, neither am I beng flippant. you said that the Premier ultra cover was the one that was closest , it was my way of indicating that you may not have looked a the benefits closely enoiugh prior to comparing to the Ultra one.

As you are a long term expert I have been given to understand that William Russell are not compliant here and do not operate legally in Indonesia, please correct me if I wrong here  As you would be aware any this is an issue of concern to any KIT S holder, and the authorities. KIT s holders are required to hold locally compliant products and local driving licences etc,

Incidentally I have lived here since 1975 quite apart from anything else and despite this I would not call myself an expert on Bali, despite speaking Balinese and making Documentaries for rhe BBC and the ABC here in 1977 and 200

You could google richard flax bali to find out more about me,  from memory the APPSNO document I mentioned is on the fifth page of the goggle results about me.

I wish you all the best

Yes, my renewal last December for my health plan as described earlier was $1,899.00.  And there is no daily room limit to inpatient hospital charges.  My overall policy maximum is one million US. 

“As you are a long term expert I have been given to understand that William Russell are not compliant here and do not operate legally in Indonesia, please correct me if I wrong here.”

Consider yourself duly corrected.  That is simply not true.  And furthermore, I'd be careful about spreading false statements in writing about this company.

“Incidentally I have lived here since 1975 quite apart from anything else and despite this I would not call myself an expert on Bali, despite speaking Balinese and making Documentaries for rhe BBC and the ABC here in 1977 and 200.”

That's very nice Richard.  The designation “Bali Expert” is not self conferred, I assure you, but was given to me by the forum administrators.   If you have a problem with that then I suggest you contact Julien, the forum founder. 

Considering your long time of expatriate living on Bali you might want to consider participating more in forum discussions on Bali beyond promoting your own business interests.  I suppose you could do that using either of your forum names, flaxy or Richard Flax. 

Cheers!

Just to be clear are you stating that William Russell are fully compliant here to the requirments of the Indonesian Department of Justice?
I have not spread or made any false statements about William Russell. I said I have been given to understand from  a third party in  the industry that William Russell were not compliant and asked you to confirm of deny this. If this is indeed incorrect I will advse him of his error. This was not a statement its a question, a clear answer would be most apprected as I need to put him straight. We amswer this question simply wth a YES
I have the greatest respect for William Russell , they do a great job and have a good following far be it for me to denigrate or make any negative comments about them.
Thank you explaining how you came by the name of Bali Expert it is apprecaited as its not apparent.
Our Premier policies have a one million dollar limit ( unless you choose a network policy) and there is no room limit either. Most importantly we provide ongoing un limited chronc care and that is why the policies are more expensive.
I have done much more than is obvious here. I started Mugged in Bali that lead to making some significant progress related to resolving the problems of violent attacks on people on Motor Bikes etc
I do participate on many forum discussions on Face Book and also run Bali Harmony another site for people to contribute positive comments related to Bali.
I am one of the original members of Bali Clean and Green forum, all in all I spend far to much time on forums as it is.
As you know I also founded and run two NGO's that assist people with an ongoing program building schools for children ( twenty last year ) and we run a home for children in dire circumstances in Benoa, as well as the envirionmental organisaiton I founded in the year 2000 GUS- Bali that works for the environment here.
If you check the third page of the google results about me ( richard flax Bali ) you will find the APPSNO document I spoke of earlier that will explain something of my role in the Bali Bombings, there are also records of other positive initiatives etc  fo the google pages under my name. All in all there is never a dull moment !
Cheers

“Just to be clear are you stating that William Russell are fully compliant here to the requirements of the Indonesian Department of Justice?”

YES, that is precisely what I am saying. 

Moreover, even the suggestion that a company like William Russell would operate illegally in any country is absurd, and spreading third party hearsay is irresponsible (and criminally negligent in Indonesia). 

For the record, this is what you stated earlier regarding William Russell:

“As you are a long term expert I have been given to understand that William Russell are not compliant here and do not operate legally in Indonesia, please correct me if I wrong here  As you would be aware any this is an issue of concern to any KIT S holder, and the authorities. KIT s holders are required to hold locally compliant products and local driving licences etc.”

Insurance is an industry which relies 100% on trust and reputation.  I can only imagine that William Russell aggressively protects its well deserved and hard earned trust and reputation.

As I mentioned earlier, good luck with your continued good work via your NGO's.  That is something we have in common, although I prefer anonymity when it comes to such matters.

My Colleagues in Singapore and I have discussed your comments. 

In order to lend substance to them all that is necessary is for you to state which local Insurance company fronts for William Russell. That will silence us all

Inter Global had “RAMA” as their local partner  / Indonesian Fronting company

Aetna have ACA ASURANSI as their local partner  / Indonesian Fronting company

Third Millennia Health / AXA has  DAYIN MITRA / as our local partner / Indonesian Fronting company

All of us place a notification of the relationship clearly on our brochures as is required by law.
These are the primary things required to be compliant to Indonesian law.

Pray tell which company William Russell has as their local partner/ Indonesian Fronting Company?

No one is being criminally negligent, or absurd or spreading third party hearsay; we are just asking a simple question and not in any way denigrating William Russell.

This question is related to Indonesian law regarding sales and marketing by brokers here in Indonesia only, and in no way could it be construed to be a negative comment or any implication on William Russell International.

FYI:  through our recent research regarding which International personal Health Insurance providers are compliant we can state that based in Jakarta, Mercer, JLT and Willis the three largest most professional international brokers in Jakarta will only recommend plans to their clients from international health insurance providers who are fully compliant with Indonesian regulatory requirements, which means those providers who have a local fronting partner.

I wish you all the best with your philanthropic activities also, we mention ours because many in the community want to help others less fortunate and knowing the paths that long term residents take provides guidance. Its not about me its about what I do.
Cheers

“My Colleagues in Singapore and I have discussed your comments.  In order to lend substance to them all that is necessary is for you to state which local Insurance company fronts for William Russell. That will silence us all.”

What the f….k?  In other words, either I prove it, or it's a lie that William Russell is licensed in Indonesia.  And who the hell cares what your colleagues in Singapore think?  This isn't Singapore, this is Indonesia! 

If you and your Singaporean colleagues are so damn interested in the specific details, then ask William Russell directly yourselves.

“..through our recent research regarding which International personal Health Insurance providers are compliant we can state that based in Jakarta, Mercer, JLT and Willis the three largest most professional international brokers in Jakarta will only recommend plans to their clients from international health insurance providers who are fully compliant with Indonesian regulatory requirements, which means those providers who have a local fronting partner.”

Are you willing to go on record and state in writing directly what you are inferring above, that being neither Mercer, JLT or Willis will recommend William Russell because they are non compliant?   

“No one is being criminally negligent, or absurd or spreading third party hearsay; we are just asking a simple question and not in any way denigrating William Russell.”

Where did you go to law school Richard?  Your inferences are clear, and I suspect they will not be taken lightly by William Russell.

As you cannot back up your statement "that  WR are a licensed International Personal Medical Insurance (IPMI) provider in Indonesia, with facts, how can people believe any other 'facts' you talk about on this blog.

Let me preface this by saying that with the greatest respect you started this and your comments about me from the beginning have lacked any respect from the moment you initiated this conversation.

You have in fact goaded me into taking this further. It may have escaped your notice that I have not responded to these jibes and insults, I have stepped back and let your comments sail past in the wind.  As you have chosen to turn a discussion into a slinging match today,  I will now respond after several rounds of verbal aggression from you. Enough is enough,

I am making these comments for the benefit of the community as I have written below,  the changes presently underway for the Insurance industry will affect everyone in Indonesia including particularly expats  *

With regards to your comments

1. You stated in response to my question “Just to be clear are you stating that William Russell are NOT fully compliant here to the requirements of the Indonesian Department of Justice?”

1 A“ YES, that is precisely what I am saying.  “

2 . “What the f….k?  In other words, either I prove it, or it's a lie that William Russell is licensed in Indonesia.

2 A. Correct just give us all the name of the local partner/fronting company to prove your statement below, then we can stop this. You are making a statement here and are unable to provide the simple proof of it. This question is as simple as asking for a driving licence saying YES I have one and then actually its not the case.

3. “Moreover, even the suggestion that a company like William Russell would operate illegally in any country is absurd, and spreading third party hearsay is irresponsible (and criminally negligent in Indonesia) “

3 A . We are not saying that William Russell operate illegally here. You are saying they are compliant and operate legally yet cannot demonstrate this. We are saying you are leading people astray. This is about you and your imperious manner. We have co-existed with WR since before you came to Bali and this is only occurring because you threw the first stone. We have no issues with William Russell 

4. " And who the hell cares what your colleagues in Singapore think?  This isn't Singapore, this is Indonesia! "  .

4. A .The reason I am in discussion with my colleagues in Singapore is because our Company Vivilate has its HQ there and it is this company that ensures TMH our local marketing company operates legally with the partnership agreement and contracts with Dayin Mitra that comply with Indonesian law.   

5. With regards to your comment “Are you willing to go on record and state in writing directly what you are inferring above, that being neither Mercer, JLT or Willis will recommend William Russell because they are non compliant?  “.

5 A .This is a construct on your behalf;  NO  inference was made just a simple statement of fact. I will go on record for what I said . You may want to ask these brokers If they sell or recommend products that are not compliant and marketed legally in Indonesia if you require proof of my statement. You have jumped to a conclusion I will not sanction that.  There is nothing to justify your comment. However you may want to think twice before dragging William Russell International into this * WE did not mention their name during our discussions we are not trying to disadvantage them. This is about the way you use your " expertise"

6. . Where did you go to law school Richard?  Your inferences are clear, and I suspect they will not be taken lightly by William Russell.

6 A . We are not making any inference we are advising you what the legal requirements to sell locally are. William Russell International are not selling directly locally. I do not make this next statement lightly " "there is a very intense ongoing discussion between the Ministry and Indonesian Insurers at the moment " If you involve William Russell directly at the moment it will be like sending them out of the trenches in the first world war battle of the Somme without a gun !  .... up to you

FYI: * As you would be aware the Indonesian authorities are presently in the process of reviewing and augmenting the regulations related to the Banking and Insurance industries particular emphasis is placed at this moment on the issue of non compliant companies, This is a direct focus because of the plethora of presently non admitted companies that are in the market here. The authorities are acting now to inhibit this . I am not sure that William Russell will want to be the focus of attention right now. Out of respect for William Russell we would not bring this to the attention of the authorities using their name.  It is up you if you choose to contact William Russell.  How much simpler it would be if you provide the name of the local partner company that you have clearly stated above are on board with William Russell .

My partners and I are well known to William Russell, Your combative comments and ongoing degradation of me and our fully compliant PMA company, are the reason this is escalating.  I will reiterate the issue here is not William Russell International.  It is about brokers here in Indonesia and their advertising and marketing products that are not compliant, plus people who are professionals in the industry and should know better recommending these companies . Be clear here you have stumbled into a hornets nest when you started kicking me and instead of backing off you continue to stir the hive !

7. Quite apart from any other considerations using your expertise to recommend to members of this or any other blog or forum that they purchase non-compliant products could be construed as criminally negligent coming from an “expert”

8. In the event of a dispute with clients or the Indonesian government your statement “I've made it clear to you that I was a long time medical insurance specialist and actuarial underwriter for many years “is not a good look in this context.  You put a mark of authority on these recommendations for people to buy products that you are unable to illustrate are sold legally here.  It's not just about the legality as you are aware, there is an onus of responsibility here on you towards people who hold KIT S or long term visas and follow your expert advice.

9. The procedures to become “compliant” in Indonesia are stringent and as a company that is compliant we take issue with “experts” who actively recommend to all and sundry on an open forum that they purchase products they cannot demonstrate are compliant for residents of Bali. You would as an ex actuarial underwriter be fully aware of the implications. Once again if you can stop insulting me and swearing and desist from blustering for a moment and advise all of us which company William Russell are in partnership with here that fronts their product this conversation will cease. 

10. You would be aware also that given these facts you could be complicit in the event of a serious medical/legal problem due to your clear statements that you are an expert in the field and recommendations  to those seeking your expert advice. The obligations of compliancy in this industry are designed to protect the consumer, as you are aware not to speak of the issue of integrity you mention.

11 . This could also be construed as working in the medical Insurance field by Immigration authorities as you actively recommend William Russell and promote them to expats here in your “professional capacity” on the Expat.com and who knows where else. As you are also aware KIT S holders are required to hold Indonesian driving licences and comply with the law affecting all residents and Indonesian nationals. Like other countries it is illegal to buy non-compliant Insurance products whilst residing in them.

12 . William Russell are an excellent company, my partners and  I have had dealings with the Managing Director over the past twenty years. I have nothing negative to say about them, their products are well-respected and excellent value. However when you comment to me “that you don't have much, if any, background or expertise in medical insurance”, it is apparent that your expertise is leading people astray here and were I to take issue as a compliant operator with you and your comments about me and my PMA company you Sir would find you have a Tiger by the Tail .

You are the one talking litigation not I . In the words of the parable  “ let he who is without sin throw the first stone”

This entire thread is a matter of record and if you take the time to go back over it you will see that your comments are condescending, contradictory and to be honest rude.

Yawn....

Can we move on.

The sandwiches are now on the table butter side up Luke

I am going for a surf .... over this

Richard

“As you cannot back up your statement "that WR are a licensed International Personal Medical Insurance (IPMI) provider in Indonesia, with facts, how can people believe any other 'facts' you talk about on this blog.”

Richard, go stuff it.  I'm not REPRESENTING William Russell in Bali, rather I am only RECOMMENDING it based on many long years of being a very satisfied client and having a deep knowledge, understanding and experience of how the medical insurance business operates.   

WR is already aware of this string…but I assure you it wasn't me who brought this to their attention. 

As for your not so subtle and bull sh*t threats, you can go stuff those too.

I am more than aware who would have brought this to William Russells attention, it was predictable and expected.   As for being worried about that ... well you have not really followed this last post of mine.... You are out of your depth here.

Be clear I am not making any threats I don't do that (unlike you ) . If I have an issue I make promises and I have not done that either just stated facts I stand by.   All your blustering does not change the fact what you have clearly stated as facts you cannot stand by. 

You are the problem here, not William Russell International, don't you get it yet ...

You  talk to me about integrity and honesty ! There are some skeletons in some closets of those close to you with regards to those qualities and they just may come out yet ...

Be careful who you pick on and who you line up with !

Dear All,

Can we please calm down?

Please note that personal attacks are not acceptable on the forum.

I urge you to focus on the original topic of this thread please.

Thank you,

Hasnaa
Expat.com Team

You presume way, way too much Richard, I assure you of that.

But, all things considered, you do have a knack for high drama and creative fiction…I'll grant you that.

Cheers and good night.

Enough of this storm in a tea cup  its all been said !

Watch this space towards the end of the year when Pemberenta make announcements on the changes to the laws covering Health Insurance  !!

Thank you and good night

If I you don't mind, I prefer "tempest in a teapot" to storm in a tea cup which makes absolutely no sense! 

I had a website client since 2000 that running a insurance company business
the name of company is Asialife , they have australian manager that can assist for sure.

Cheer
Ricky

Ricky, this thread is about health insurance (medical insurance) not life insurance or investment (annuity) products.

Ubudian, PT. Asialife offers health and general insurance.
or google "asialife bali" for detail info, i dont think i can put their web link here as suspected as free ad.

Yes Ricky, they are insurance brokers, not an insurance company as the name suggests.  The insurance companies they represent are Allianz, Zurich, Asuransi Rama and Assuransi Bintang.

We have already discussed on this thread that premiums for medical insurance with Allianz are higher than with William Russell.

Yes, you right! they are broker for those kind of premium insurances.