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The explanations you should get before buying.

Written for people who do not yet hold a policy, and still useful for those who do.

Claims · 8 min

Why health insurance claims get rejected, and how to prevent it at the start

The four causes that come up most often, and why three of them are entirely preventable before the policy is issued.

Health · 6 min

Medical inflation at 17.8%: what it means for the policy you already hold

Hospital costs are rising far faster than general inflation. How to check whether your annual limit still holds up.

Property · 7 min

Flood and earthquake extensions: the most commonly missed part of a property policy

Standard fire policies generally exclude flood and earthquake. How to check your own policy today.

Life · 9 min

Calculating a sum assured without guessing

The four-component method for arriving at a sensible figure, and when that figure needs revisiting.

Expat · 10 min

Insurance for expatriates in Indonesia: KITAS, portability and what to check first

Whether foreigners can be underwritten, what happens if you leave, and how local cover sits alongside an international policy.

Guide · 10 min

Reading a policy illustration: six lines you must check

A practical guide to reading the illustration before you sign, including the parts rarely discussed.

This section is in preparation. The titles above are the publishing plan; the full articles follow. If there is a topic you would like first, say so on WhatsApp — the most frequently asked questions get written first.

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