PSAKI BETA QUIZ

What is the main purpose of the PSAKI (Polis Standar Asuransi Kebakaran Indonesia)?

• To provide coverage for travel expenses.

• To provide coverage for educational expenses.

• To provide coverage for medical expenses.

• To provide coverage for losses or damages caused by fire, lightning, explosion, and other specified risks.

Which of the following is not a risk covered by the insurance policy?

• Earthquake and volcanic eruption

• Theft or loss after the insured event

• Damage caused by intentional acts of the insured

• Smoke from a covered fire

What is the definition of 'Riot' according to the policy?

• A violent movement to change the state's political system

• A conflict between two or more countries

• An organized group of people using firearms to overthrow the government

• A situation of public disorder involving noise, violence, and property damage

What is the obligation of the insured in case of a loss or damage?

• To inform the insurer immediately and provide a written statement within 7 calendar days

• To ignore the loss or damage and continue with regular activities

• To wait for the insurer to initiate the claim process

• To handle the situation without involving the insurer

What happens if the insured intentionally provides false information or attempts to manipulate a claim?

• The insured will still receive full compensation for the claim

• The insured will receive double the compensation

• The insured will be exempt from any penalties

• The insured will lose the right to receive compensation

In case of a loss, what is the responsibility of the insured regarding salvaged items?

• The insured must discard salvaged items

• The insured is not responsible for salvaged items

• The insured must sell salvaged items immediately

• The insured must preserve and store salvaged items

What is the insurer's obligation regarding the payment of compensation?

• The insurer must settle the compensation within 60 days

• The insurer must settle the compensation within 90 days

• The insurer is not obligated to pay any compensation

• The insurer must settle the compensation within 30 days

What is the insured's responsibility if there is a change that increases the insured risk?

• The insured must inform the insurer within 14 days

• The insured must inform the insurer within 30 days

• The insured is not required to inform the insurer about any changes

• The insured must inform the insurer within 7 days

What happens if the insured fails to pay the premium within the specified time?

• The insured will not be responsible for any future premiums

• The policy will be automatically canceled, and the insured must pay 20% of the annual premium for the elapsed coverage period

• The insured will still be covered for any losses

• The policy will be automatically canceled without any consequences

What is the insurer's right in case of non-disclosure of material facts by the insured?

• The insurer will still pay the compensation

• The insurer will ignore the non-disclosure

• The insurer will terminate the coverage and refund the premium

• The insurer will increase the coverage without any additional premium