Travel Insurance Benefits

Terakhir Diubah : 01:48:46 - Friday, 26 August 2022

Travel insurance can give you extra protection if your holiday doesn't go as planned. So you should make sure you have cover if you're planning a trip away. It's particularly important to take out travel insurance if you are travelling independently because you may find yourself stranded with no way to get home and no-one to help sort out your holiday problem. Read this page for more information on what you need to think about before you take out a travel insurance policy. Travel insurance can protect you against the following things going wrong: Cancelling or cutting short your trip for reasons beyond your control Cancellation or delayed departure for reasons beyond your control Medical and other emergencies Personal injury and death Lost, stolen or damaged items, including baggage, passports and money Accidental damage or injury while on vacation. If you don't have travel insurance you will have to pay out of your own pocket to deal with a problem while you're away. Or you may lose money if you have to cancel a trip and can't get your money back.

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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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5 Tips for Millennial Home Buyers

As true millennials, of course you want to have a home so that you have a bright future with your family.
So if you’re a millennial looking to buy a house, here are five things you can do to make As true millennials, of course you want to have a home so that you have a bright future with your family. Here are some steps you can take to make your dream come true.

1. Check financial ability
First, prepare a balance sheet including income and expenses.

2. Create a budget
Do some research and learn about several possible ways to pay for a house other than the cash payment method. For example mortgages, or by other methods.

3. Set priorities
From an existing financial plan, make priorities so you can focus on one thing. For example, you plan to take a mortgage. So, your first focus is to fulfill the downpayment first.

4. Investment
Investment can help to develop assets against inflation. For example, for a house down payment, set aside 30% of your salary to the appropriate investment instrument. Over time, with consistency, the budget for a home down payment will be fulfilled properly.
Investment can also be an alternative choice for saving emergency funds. You can save this emergency fund in an instrument with a low level of risk.
In addition to an emergency fund, pay attention to insurance, if you are the head of the family. So, make sure that you have complete protection first, then execute your financial plan.

5. Discipline
The discipline to implement a detailed and comprehensive financial plan is very important. For example, keeping your installments under 30% of your regular salary if you take a mortgage scheme is crucial.

Note that 30% includes all existing debt repayments. So, if your main intention is to buy a house, then you should focus on this plan first.

In addition, plans to buy a house require a long-term disciplined commitment. Therefore, start being disciplined in executing your financial plan. With some of the tips above, you can try to realize your dream of buying a house. Good luck!

Source: https://mediakeuangan.kemenkeu.go.id

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This is how to pay an electronic ticket (E-TLE) fine

When you commit a traffic violation, get ready to get an E-ticket. Now it is easier for you to pay ticket fines through E-Tilang. You only need to fill out a ticket confirmation letter via online, then make a payment by bank transfer. Therefore, the payment is much easier so that there is no need to come to attend the trial. Traffic discipline not only reflects one own personality, but also avoids traffic accidents. What are included in the violations that can be subject to E-tickets? Violating traffic signs and road markings, motorcycle riders not wearing helmets, playing with devices/ smartphone while driving, fake vehicle number plates, not wearing seat belts, drive against traffic flow. Be careful, ok!

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Sahabat Insurance Conducted Insurance Training

Sahabat Insurance held a CREDIT INSURANCE & SURETYSHIP Training on Thursday, April 24, 2024 at Sahabat Insurance Head Office, North Jakarta. This training was carried out as one of the company's training activities to improve HR competency and expertise which is carried out continuously as recommended by the Financial Services Authority (OJK).

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