Pemegang polis hendaknya melampirkan dokumentasi yang jelas.

Yes. Pemegang polis is the standard Indonesian term for policyholder.

• pemegang = holder, the person who holds/possesses something
  
  • from the root pegang = to hold
• polis = policy, especially an insurance policy

So pemegang polis literally means the holder of the policy, which in natural English is the policyholder.

Hendaknya means something like should, ought to, or it is advisable that.

It is:

• formal
• polite
• often used in instructions, official notices, or administrative language

So the sentence is giving a recommendation or instruction, but in a softer and more formal way than a direct command.

Compare:

• hendaknya = should / ought to
• sebaiknya = it would be better to / should
• harus = must
• wajib = is required / is obligatory

So hendaknya is not as strong as harus or wajib.

Not especially. It sounds more formal and bureaucratic than everyday speech.

In conversation, people are more likely to say:

• sebaiknya
• harus
• or just phrase it more simply

For example, in speech someone might say:

• Pemegang polis sebaiknya melampirkan dokumentasi yang jelas.
• Pemegang polis harus melampirkan dokumentasi yang jelas.

The original sentence sounds like something from:

• an insurance form
• official instructions
• terms and conditions
• a website or notice

Melampirkan is the normal active verb meaning to attach, to enclose, or to include as an attachment.

Breakdown:

• root: lampir
• meN- ... -kan form: melampirkan

This form is used when someone does something to an object:

• melampirkan dokumentasi = to attach documentation

So in this sentence:

• pemegang polis = the doer
• melampirkan = the action
• dokumentasi yang jelas = the thing being attached

Using melampirkan is the natural standard verb here.

Not necessarily. Dokumentasi usually means documentation rather than just documents.

In this kind of context, it can include things like:

• photos
• receipts
• reports
• written evidence
• supporting records

So dokumentasi is broader than just dokumen.

If the sentence specifically meant documents, Indonesian might use dokumen. But dokumentasi suggests supporting documentation/evidence.

Here yang links the noun to a describing phrase.

• dokumentasi = documentation
• yang jelas = that is clear / which is clear

So:

• dokumentasi yang jelas = clear documentation
  literally, documentation that is clear

This is a very common Indonesian pattern:

• buku yang bagus = a good book
  literally book that is good
• orang yang ramah = a friendly person
  literally person who is friendly

So yang is often used where English simply puts the adjective before the noun.

Sometimes you may see adjective-like phrases without yang, especially in headlines, labels, or very compressed style. But in a full standard sentence, dokumentasi yang jelas sounds more natural and complete.

So for learners, it is safest to use:

• noun + yang + adjective/description

In this sentence, dokumentasi yang jelas is the best normal choice.

In Indonesian, descriptive words usually come after the noun, not before it as in English.

So:

• clear documentation → dokumentasi yang jelas

This is one of the basic word-order differences between English and Indonesian.

A few examples:

• rumah besar = big house
• mobil baru = new car
• dokumen penting = important document

When the description is framed more fully, Indonesian often uses yang:

• dokumen yang penting
• dokumentasi yang jelas

In this context, jelas can mean more than just clear in the abstract. It can suggest that the documentation should be:

• easy to read
• easy to see
• legible
• unambiguous
• sufficiently informative

For example, if the documentation includes photos, jelas could mean the photos are not blurry. If it includes written material, it could mean the information is readable and understandable.

So jelas is a practical, official-wording way to say the documentation must be usable and convincing.

Indonesian does not normally use articles the way English does.

So:

• pemegang polis can mean the policyholder or a policyholder, depending on context
• dokumentasi yang jelas can mean clear documentation without needing a or the

The context tells you whether it is definite, general, or specific.

This is very normal in Indonesian.

It is active.

• Pemegang polis = subject/doer
• melampirkan = active verb
• dokumentasi yang jelas = object

A passive version would be:

• Dokumentasi yang jelas hendaknya dilampirkan oleh pemegang polis.

That means roughly:

• Clear documentation should be attached by the policyholder.

The original active version is straightforward and natural for instructions.

Yes, it could be replaced, but the nuance changes.

• hendaknya = should / ought to / is expected to
• harus = must / has to

So:

• Pemegang polis hendaknya melampirkan dokumentasi yang jelas.
  = a formal recommendation or instruction
• Pemegang polis harus melampirkan dokumentasi yang jelas.
  = a stronger requirement

In official writing, choosing between them depends on whether the text wants to sound:

• advisory → hendaknya
• mandatory → harus or wajib