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PYD · Articles & Insights

Articles & Insights

Plain-language reads on protecting what matters, timely, practical, and never a product pitch. New pieces most weeks.

Featured · Insurance basics

What is PAYDI? Unit link without the jargon, and 7 questions before you sign

PAYDI is OJK's official name for unit link. Sales are rising again this year. Before you sign, understand where your premium actually goes.

8 min · 3 Oct 2026

Family

Laid off: the first 30 days to protect your finances and your family

Losing a job is hard. But there are rights people often forget, and a few decisions best not rushed. Here is a calm, step-by-step guide.

8 min · 1 Oct 2026

Health

The 5% co-payment: what you actually pay when you claim on health insurance

A viral message said “using insurance now costs you 10%”. The rule in force is different, and much lighter. Here is how it works, with real bill examples.

7 min · 30 Sept 2026

Insurance basics

Unit link or term life? The honest comparison.

Two ways to combine protecting your family and growing your money. One gets sold far more often, and not always because it's the better fit. Here's what actually separates them.

6 min read · 15 Sept 2026

Health

What dialysis actually costs a family in Indonesia

BPJS covers the treatment itself, which surprises people. The costs that hit a household are the ones around it. Here is the honest picture.

6 min · 16 Sept 2026

Insurance basics

What insurance actually is, and which types you really need

No jargon, no sales pitch. What insurance is, the handful of types that matter, and how to know which ones fit your life.

7 min · 17 Sept 2026

Health

Private and standalone health insurance: what they are, and which you need

BPJS is your base, but it leaves gaps. Here is what private and standalone (murni) health cover actually add, and what to check before you buy.

6 min · 17 Sept 2026

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