Pemegang polis menghubungi penanggung.

It follows the common Indonesian Subject–Verb–Object pattern:

• Pemegang polis = subject
• menghubungi = verb
• penanggung = object

So the sentence structure is directly comparable to English: The policyholder contacts the insurer.

Literally, it breaks down like this:

• pemegang = holder
• polis = policy

So pemegang polis means policyholder.

A useful note: polis here means an insurance policy, not police. The Indonesian word for police is polisi.

Penanggung is the party that bears responsibility for the insurance risk, so in this context it means the insurer.

It comes from the root tanggung, which has the idea of bearing, taking responsibility, or being liable for something.

So:

• tanggung = bear / be responsible for
• penanggung = the one who bears responsibility

In insurance language, that is the insurer.

Because hubung is the root, while menghubungi is the actual verb form used here.

It is built like this:

• hubung = connection/contact
• hubungi = contact someone
• menghubungi = to contact someone

The prefix meN- often forms active verbs in Indonesian, and the suffix -i often helps create a verb that acts directly on an object.

So menghubungi penanggung means to contact the insurer.

Because menghubungi is a transitive verb, so it takes a direct object.

That means Indonesian says:

• menghubungi penanggung = contact the insurer

not:

• menghubungi kepada penanggung

That would sound unnatural.

This is similar to English: we say contact someone, not contact to someone.

Indonesian usually does not use articles like a, an, or the.

So a sentence like Pemegang polis menghubungi penanggung can mean:

• The policyholder contacts the insurer
• A policyholder contacts an insurer

Which one is intended depends on context.

If Indonesian wants to be more specific, it can add words such as:

• seorang = a / one
• itu = that / the (in some contexts)

For example:

• Seorang pemegang polis menghubungi penanggung itu.

Yes. This sounds formal and fits insurance, business, or legal contexts.

The vocabulary is fairly technical:

• pemegang polis = policyholder
• penanggung = insurer

In everyday speech, people might say something less technical, depending on context, such as talking about the insurance company rather than using the term penanggung.

So this sentence is natural, but especially in formal or industry-related Indonesian.

Yes. A natural passive version is:

• Penanggung dihubungi oleh pemegang polis.

This means The insurer is contacted by the policyholder.

Breakdown:

• dihubungi = is contacted
• oleh = by

In Indonesian, the passive is very common, especially when the object is more important than the subject.

Not always strictly, but in insurance usage it usually refers to the insurer as the responsible party, often an insurance company.

So it is more precise than just saying perusahaan asuransi (insurance company), because penanggung focuses on the role of being the party that assumes the risk.

That is why it is common in formal insurance language.

It is a noun phrase where the first word is the main noun and the second word specifies it:

• pemegang = holder
• polis = policy

So literally it is holder of policy.

This kind of noun phrase is very common in Indonesian. Another example:

• rumah sakit = hospital, literally sick house
• kartu kredit = credit card

So pemegang polis is a fixed, natural way to say policyholder.