Are You Ready to Buy a House?

Terakhir Diubah : 10:01:17 - Kamis, 02 Desember 2021

Buying a house is a big and heavy thing, especially if this experience is your first. What should be considered before buying a house? In addition to important documents and payment methods, you also have to pay attention to the location and environment. Don't let a burglary happen after you buy a house. Call us for questions about home insurance at 021-50508080

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Term Insurance Definition & Meaning

Insurance policy: is a legal contract between the insurance company (the insurer) and the person(s), business, or entity being insured (the insured).

Premium: is the amount of money you must pay to the insurance company for your insurance policy.

Claim : An insurance claim is a formal request from the policyholder (that's you) to their insurance company asking for payment after a covered incident.

Insured: A person whose life or property is the subject of insurance.

Insurer: Parties that already have formal permission to carry out business activities related to taking over the risk of other parties based on a policy; for this coverage, the risk insurer receives a premium from another party as the insured; usually, the Insurer is an insurance company.

The age of the Insured: is determined based on the last birthday on the Effective Date of Insurance and will increase on each Policy Birthday.

The coverage period :is the period of insurance protection for the Insured from the Effective Date of Insurance to the Expiry Date of Insurance as stated in the Policy Data.A coverage period is the period of time during which an insured event is protected by an insurance contract.

Fore more information please call Sahabat Insurance 021-50508080.
Source: https://sikapiuangmu.ojk.go.id

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What is Own Risk?

Hi, Sahabat! If you have vehicle insurance, you must recognize some insurance terms so as not to get confused.

When purchasing a vehicle insurance product, you will be introduced to the term Own Risk (OR). Own risk can be interpreted as payment of compensation costs made by the vehicle owner or the insured for any loss and or damage that occurs when submitting a claim. If you do this, it means that you already know your responsibilities as a vehicle owner. As a form of your sense of responsibility to always be careful when driving. The standard, in accordance with OJK Letter No. 6 of 2017 stipulates that the current OR fee is a minimum of IDR 300,000 per incident.

Please note, standard car insurance policies actually only cover loss or damage caused by accident, collision, impact, overturning, slipping, or falling; evil deeds; theft; as well as fire and all risks covered by the motor vehicle insurance policy. However, if due to a disaster caused by natural disasters such as rain, flood, tsunami, hurricane, hail, tsunami, a product is provided in the form of an extension to protect your car from the causes mentioned above.

If you want to get further explanation regarding self-risk calculation or car insurance closing procedure through Sahabat Insurance Customer Service Online, we are happy to answer your questions via our hotline at 021-50508080 or Whatsapp at 021-50508080.

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Working From home

If you are looking for a job that will allow you to work from home, maybe these 5 jobs you can consider becoming a profession:
1. Vlogger, you must be good at finding ideas to always create content that your community or audience likes through YouTube or other social media platforms
2. E-commerce business, selling does not need to have a shop or market, you can do it at home
3. Webinar resource person, as a speaker you must also have skills or a qualified background to hold webinars or online seminars
4. Creative, choosing a profession as an animator, graphic designer or photographer makes you more free to determine your working hours
5. Freelance writer. Nowadays, the services of a writer are increasingly needed for various purposes, from writing news articles, content, to creative writing on websites.
So many possibilities to make a profession by working from home. As technology develops, new jobs will appear outside of the conventional jobs that we know so far. For the safety of working from home, don't forget to insure your home or property from the possibility of being exposed to the risk of fire. Contact Friends of Insurance at 021-50508080

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Eid Holiday Announcement

Our Office will be closed from March 28 - April 7, 2025 for Eid Al - Fitr holiday. Welcoming you again on April 8, 2025, operational hour 08.30-17.30 wib.
During the Eid holiday, Sahabat Insurance will continue to provide services to its valued clients during the official holiday of Eid Al-Fitr. In addition to the telephone call service via the call center 021-50508080 (call/WA) or through email [email protected].

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