What Is an Insurance Policy Period?

Terakhir Diubah : 09:15:25 - Thursday, 09 February 2023

An insurance policy period is the time frame during which an insurance policy is effective. Based on chapter IV, article 7 in INDONESIAN MOTOR VEHICLE INSURANCE STANDARD POLICY, it is a condition precedent to liability under this policy, that any premium payable shall have been paid off and actually received in full by the Insurer, in the event of:

insurance period of 30 (thirty) days or more, then settlement of premium payment shall be conducted within a period of 14 (fourteen) calendar days as of the date of inception of this Policy;

such insurance period is less than 30 (thirty) days, settlement of premium payment shall be conducted at the time of issuance of Policy.

In case the Insured fails to fulfill the liabilities as referred to in paragraph above, this Policy shall be automatically terminated without issuing cancellation endorsement starting from the expiry of the grace period and the Insurer shall be discharged from any liability there from.

For more info about Sahabat Insurance call 021-50508080.

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How to Avoid Losing Your Bags When Travelling

Lost luggage happens, and it's a bummer—but it doesn't have to be the end of the world. We've put together a few tips on keeping your bags from traveling without you.

How to Avoid Losing Your Bags
The best way to avoid lost luggage is to carry it on—one carry-on-sized bag and one personal item, traditionally defined as a purse, tote, or anything small enough to fit under an airplane seat.Pack light and go carry-on only; that way, you'll never lose sight of your bag. Check airline rules before flying, as each carrier may have different bag dimensions.

Label Your Baggage Inside and Outside
All checked bags should have some label on the outside anda label on the inside - it can be beneficial to the bag's owner when it comes to identifying the bag.

A Picture Is Worth a Thousand Descriptions
Take a picture of your bag, preferably with a color tag, and keep it on your phone, email or another camera.

If your bag doesn't show up on the baggage carousel, look immediately for the airline's nearby baggage office or window and report it there at once. Give the window clerk your baggage stubs and wait for further instruction. Don't panic—your bag may just be delayed and coming in on another flight.

As soon as your luggage has been declared lost, you should call your travel insurance company to ask for advice on what to do next.

For more info about Sahabat Insurance Travel Insurance please call 021-50508080.

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Car Insurance Protection

We really never know about things that might happen in the future. For that, it is also important that you have protection from various risks, in this case regarding the car, such as the risk of damage to loss. Pity your expensive car is damaged? Moreover, because there is no protection, you also have to pay dearly for the cost of repairing it.

Vehicle insurance is useful to protect you from losses due to accidents. What are some examples of vehicle insurance benefits and protections?

In general, examples of types of car insurance consist of total loss only (TLO) car insurance and all risk (comprehensive) car insurance.

1. Total Loss Only Car Insurance Benefits (Total Loss/TLO Car Insurance)
As the name implies, total loss only (TLO) car insurance offers car insurance benefits in the form of claims that can only be made if there is a total loss. The total loss in question is damage that occurs above 75% or loss due to theft or confiscation. The amount of damage of 75% is used as a benchmark because the car will certainly not be able to be used again.

2. All Risk (Comprehensive) Car Insurance Benefits
All risk insurance is a long-term and comprehensive protection insurance, it protects the vehicle from losses, for example from accidents, other people's evil deeds, fire, and others.

Ask us about vehicle insurance via the WhatsApp chat application or contact us at the Sahabat Insurance call center 021 - 50508080

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First Aid Treatment for Minor Burns

When in the kitchen or at home, sometimes we accidentally touch a hot pot or hit a small fire, resulting in minor burns on the skin. What is first aid when there is a burn? Immediately cool the wound with running water for 15 minutes, apply a burn medicine, antiseptic or cold gel made from aloe vera and cover the wound with gauze or a clean cloth. #SahabatInsurance

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Omicron, symptoms and how to deal with it

Based on the results of the study, the most common characteristics that indicate a person is infected with the omicron variant of the Covid-19 infection are as follows:

1. Sore throat but no cough
A sore throat accompanied by a cough is one of the common symptoms when someone is declared infected with the Covid-19 virus.

But in the Omicron variant, the sore throat tends to be itchy, dry, even without coughing.

2. Muscle and joint pain
Reporting from the Gavi.org page, the first reports of Omicron symptoms in South Africa showed a reaction to lower back pain.

In addition, this pain also continues to spread to several other areas such as joints, and muscle pain (myalgia).

3. Fatigue
Another symptom of Omicron is fatigue so that the body becomes weak and even easily feels tired even though it is not strenuous activity.

These signs of fatigue are constant because they are usually felt by other variants of Covid-19 sufferers.

4. Headache
A painful headache accompanied by a fever like the flu is an inflammatory reaction that the body is fighting a virus.

In Omicron symptoms, this headache feels throbbing, pressured, and sometimes accompanied by a stabbing feeling of mild to severe intensity.

5. Don't lose your sense of smell
In the previous Covid-19 variant, infected patients will experience impaired sense of smell and taste.

But for the Omicron variant, it's the opposite. Patients do not lose their sense of smell and taste so they still feel normal as usual.

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