{"id":27134,"date":"2022-03-17T15:22:28","date_gmt":"2022-03-17T07:22:28","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=27134"},"modified":"2022-03-17T15:22:34","modified_gmt":"2022-03-17T07:22:34","slug":"%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a","title":{"rendered":"\u8fd9\u6837\u66f4\u65b0\u8f66\u9669\uff0c\u8282\u7701\u66f4\u591a\uff01"},"content":{"rendered":"\n<p>\u5c3d\u7ba1\u6c7d\u8f66\u4fdd\u9669\u6bcf\u5e74\u53ea\u9700\u66f4\u65b0\u4e00\u6b21\uff0c\u5374\u4f9d\u7136\u8fd8\u662f\u4f1a\u8ba9\u8bb8\u591a\u8f66\u4e3b\u62c5\u5fe7\u4e0d\u5df2\uff0c\u8fd9\u662f\u56e0\u4e3a\u8f66\u9669\u7684\u4ef7\u683c\u5f80\u5f80\u4f1a\u8ba9\u4eba\u6709\u4e9b\u5598\u4e0d\u8fc7\u6c14\u3002\u52a0\u4e0a\u8def\u7a0e\u3001\u6c7d\u8f66\u4fdd\u517b\u548c\u7ef4\u4fee\u3001\u8f66\u6cb9\u7b49\u7b49\uff0c\u517b\u4e00\u8f86\u8f66\u771f\u7684\u4e0d\u662f\u4e00\u4ef6\u7b80\u5355\u4e14\u8f7b\u677e\u7684\u4e8b\uff01<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u8ba9\u8f66\u4e3b\u4eec\u6700\u5173\u5fc3\u53c8\u6700\u5f00\u5fc3\u7684\uff0c\u83ab\u8fc7\u4e8e\u600e\u6837\u53ef\u4ee5\u8282\u7701\u66f4\u591a\u3002<\/p>\n\n\n\n<p>\u8fd9\u7bc7\u6587\u7ae0\u5c06\u4e0e\u60a8\u5206\u4eab\u66f4\u65b0\u8f66\u9669\u65f6\uff0c\u53ef\u4ee5\u8282\u7701\u66f4\u591a\u7684 \u4e94\u4e2a\u6280\u5de7\uff0c\u5e0c\u671b\u53ef\u4ee5\u51cf\u8f7b\u60a8\u7684\u8d22\u52a1\u8d1f\u62c5\u3002<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d7a18255cd3\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d7a18255cd3\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E4%B8%BA%E6%82%A8%E7%9A%84%E6%B1%BD%E8%BD%A6%E9%80%89%E6%8B%A9%E5%90%88%E9%80%82%E7%9A%84%E4%BF%9D%E9%A2%9D%EF%BC%88%E4%B8%8D%E5%A4%9A%E4%B9%9F%E4%B8%8D%E5%B0%91%EF%BC%89\" title=\"\u4e3a\u60a8\u7684\u6c7d\u8f66\u9009\u62e9\u5408\u9002\u7684\u4fdd\u989d\uff08\u4e0d\u591a\u4e5f\u4e0d\u5c11\uff09\">\u4e3a\u60a8\u7684\u6c7d\u8f66\u9009\u62e9\u5408\u9002\u7684\u4fdd\u989d\uff08\u4e0d\u591a\u4e5f\u4e0d\u5c11\uff09<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E9%80%89%E6%8B%A9%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89%E6%88%96%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\" title=\"\u9009\u62e9\u5e02\u573a\u4ef7\u503c\uff08Market value\uff09\u6216\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09\">\u9009\u62e9\u5e02\u573a\u4ef7\u503c\uff08Market value\uff09\u6216\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E5%8F%AA%E9%80%89%E6%8B%A9%E6%82%A8%E9%9C%80%E8%A6%81%E7%9A%84%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\" title=\"\u53ea\u9009\u62e9\u60a8\u9700\u8981\u7684\u9644\u52a0\u4fdd\u9669\">\u53ea\u9009\u62e9\u60a8\u9700\u8981\u7684\u9644\u52a0\u4fdd\u9669<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E4%BF%9D%E6%8C%81%E8%89%AF%E5%A5%BD%E7%9A%84%E9%A9%BE%E9%A9%B6%E8%AE%B0%E5%BD%95\" title=\"\u4fdd\u6301\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55\">\u4fdd\u6301\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E6%8F%90%E9%AB%98%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88excess%EF%BC%89\" title=\"\u63d0\u9ad8\u81ea\u4ed8\u91d1\u989d\uff08excess\uff09\">\u63d0\u9ad8\u81ea\u4ed8\u91d1\u989d\uff08excess\uff09<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E5%BC%BA%E5%88%B6%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88compulsory_excess%EF%BC%89\" title=\"\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08compulsory excess\uff09\">\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08compulsory excess\uff09<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88voluntary_excess%EF%BC%89\" title=\"\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff08voluntary excess\uff09\">\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff08voluntary excess\uff09<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E6%AF%94%E8%BE%83%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E4%BB%B7%E6%A0%BC\" title=\"\u6bd4\u8f83\u6c7d\u8f66\u4fdd\u9669\u7684\u4ef7\u683c\">\u6bd4\u8f83\u6c7d\u8f66\u4fdd\u9669\u7684\u4ef7\u683c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e8%bf%99%e6%a0%b7%e6%9b%b4%e6%96%b0%e8%bd%a6%e9%99%a9%e8%8a%82%e7%9c%81%e6%9b%b4%e5%a4%9a\/#%E5%88%B0%E5%BF%85%E4%BD%B3%E7%BA%BF%E4%B8%8A%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E4%B8%8E%E8%B7%AF%E7%A8%8E\" title=\"\u5230\u5fc5\u4f73\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u4e0e\u8def\u7a0e\">\u5230\u5fc5\u4f73\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u4e0e\u8def\u7a0e<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%E4%B8%BA%E6%82%A8%E7%9A%84%E6%B1%BD%E8%BD%A6%E9%80%89%E6%8B%A9%E5%90%88%E9%80%82%E7%9A%84%E4%BF%9D%E9%A2%9D%EF%BC%88%E4%B8%8D%E5%A4%9A%E4%B9%9F%E4%B8%8D%E5%B0%91%EF%BC%89\"><\/span>\u4e3a\u60a8\u7684\u6c7d\u8f66\u9009\u62e9\u5408\u9002\u7684\u4fdd\u989d\uff08\u4e0d\u591a\u4e5f\u4e0d\u5c11\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4fdd\u989d\u662f\u6c7d\u8f66\u4fdd\u9669\u7684\u6700\u9ad8\u4fdd\u989d\u3002\u60a8\u53ef\u4ee5\u6839\u636e\u6c7d\u8f66\u7684<a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/#%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89\">\u5e02\u573a\u4ef7\u503c<\/a>\u6216<a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/#%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\">\u7ea6\u5b9a\u4ef7\u503c<\/a>\u4e3a\u60a8\u7684\u6c7d\u8f66\u9009\u62e9\u4fdd\u9669\u91d1\u989d\u3002\u60f3\u8981\u4e86\u89e3\u5982\u4f55\u4e3a\u60a8\u7684\u6c7d\u8f66\u786e\u5b9a\u6b63\u786e\u7684\u4fdd\u9669\u91d1\u989d\uff0c\u8bf7\u53c2\u9605\uff1a<a href=\"https:\/\/bjak.my\/blog\/%e5%b8%82%e5%9c%ba%e4%bb%b7%e5%80%bc%e4%b8%8e%e7%ba%a6%e5%ae%9a%e4%bb%b7%e5%80%bc\/\">\u8f66\u9669\u4fdd\u989d\u5e94\u8be5\u9009\u62e9\u5e02\u573a\u4ef7\u503c\u8fd8\u662f\u7ea6\u5b9a\u4ef7\u503c Agreed Value\u5462\uff1f<\/a><\/p>\n\n\n\n<p>\u4e3a\u4e86\u7701\u94b1\uff0c\u8bf7\u9009\u62e9\u4e0d\u9ad8\u4e8e\u6216\u4f4e\u4e8e\u60a8\u6c7d\u8f66\u5e02\u573a\u4ef7\u503c\u7684\u4fdd\u9669\u91d1\u989d\u3002\u5047\u8bbe\u60a8\u62e5\u6709\u4e00\u8f86\u5e02\u503c\u4e3a RM33,000 \u7684 Proton Saga\uff0c\u60a8\u7684\u4fdd\u989d\u5e94\u8be5\u662f RM33,000\uff0c\u800c\u4e0d\u662f\u4f4e\u4e8e\u6216\u9ad8\u4e8e\u8fd9\u4e2a\u4ef7\u503c\u3002<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E9%80%89%E6%8B%A9%E5%B8%82%E5%9C%BA%E4%BB%B7%E5%80%BC%EF%BC%88Market_value%EF%BC%89%E6%88%96%E7%BA%A6%E5%AE%9A%E4%BB%B7%E5%80%BC%EF%BC%88Agreed_value%EF%BC%89\"><\/span>\u9009\u62e9\u5e02\u573a\u4ef7\u503c\uff08Market value\uff09\u6216\u7ea6\u5b9a\u4ef7\u503c\uff08Agreed value\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Perbandingan-Market-Value-vs-Agreed-Value%EF%BC%88change-to-mandarin-visual%EF%BC%89-2-1024x576.jpg?resize=854%2C480&amp;ssl=1\" alt=\"\u5e02\u573a\u4ef7\u503c\u4e0e\u7ea6\u5b9a\u4ef7\u503c\"\/><\/figure>\n\n\n\n<p>\u5c3d\u7ba1\u60a8\u5e0c\u671b\u5728\u6c7d\u8f66\u4fdd\u9669\u4e0a\u8282\u7701\u66f4\u591a\uff0c\u4f46\u6c7d\u8f66\u4fdd\u989d\u4e0d\u5e94\u4f4e\u4e8e\u5e02\u573a\u4ef7\u503c\u3002\u5982\u679c\u60a8\u7684\u8f66\u8f86\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u4fdd\u989d\u4e0d\u8db3\u5c06\u5bf9\u60a8\u4e0d\u5229\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u60a8\u7684\u6c7d\u8f66\u53d1\u751f\u4e8b\u6545\uff0c\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u51cf\u5c11\u60a8\u7684\u4fdd\u9669\u7d22\u8d54\u91d1\u989d\u3002\u5982\u679c\u8f66\u8f86\u7684\u4fdd\u989d\u4f4e\u4e8e\u5e02\u573a\u4ef7\u503c\u768430%\uff0c\u60a8\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u53ea\u652f\u4ed8\u4fee\u7406\u8f66\u8f86\u603b\u8d39\u7528\u768470%\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u4fee\u7406\u6c7d\u8f66\u7684\u603b\u6210\u672c\u662f RM10,000\u3002\u60a8\u7684\u4fdd\u9669\u5c06\u53ea\u652f\u4ed8 70% \u6216 RM7,000\u3002\u5269\u4e0b\u7684 30% \u6216 RM3,000 \u5219\u7531\u60a8\u81ea\u638f\u8170\u5305\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u8bf7\u5148\u4e86\u89e3\u60a8\u7684\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\uff0c\u60a8\u53ef\u4ee5\u5728&nbsp;<a href=\"https:\/\/www.mycarinfo.com.my\/MarketValue\">MyCarInfo<\/a> \u514d\u8d39\u67e5\u770b\u60a8\u7684\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\u3002<\/p>\n\n\n\n<p>\u6b64\u5916\uff0c\u5982\u679c\u6709\u66f4\u591a\u7684\u9884\u7b97\uff0c\u60a8\u53ef\u4ee5\u9009\u62e9\u7ea6\u5b9a\u4ef7\u503c\u3002\u5982\u679c\u60a8\u7684\u6c7d\u8f66\u53d1\u751f\u4e8b\u6545\u5e76\u88ab\u8bc1\u660e\u662f<a href=\"https:\/\/bjak.my\/blog\/%e8%bd%a6%e5%ad%90%e5%85%a8%e6%8d%9f%ef%bc%8c%e8%af%a5%e5%a6%82%e4%bd%95%e5%a4%84%e7%90%86%ef%bc%9f\/\">\u5168\u635f\uff08total loss\uff09<\/a>\uff0c\u60a8\u5c06\u83b7\u5f97\u7684\u8d54\u507f\u662f\u60a8\u5728\u66f4\u65b0\u8f66\u9669\u65f6\u6240\u5b9a\u4e0b\u7684\u7ea6\u5b9a\u4ef7\u503c\u3002\u8fd9\u4e2a\u7ea6\u5b9a\u4ef7\u503c\u5c06\u4e0d\u53d7\u4e8b\u6545\u53d1\u751f\u65f6\u60a8\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\u7684\u5f71\u54cd\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u8f66\u8f86\u7684\u7ea6\u5b9a\u4ef7\u503c\u662f RM100,000\uff0c\u90a3\u4e48\u60a8\u5c06\u83b7\u5f97 RM100,000 \u4f5c\u4e3a\u8d54\u507f\u3002\u53cd\u4e4b\uff0c\u5982\u679c\u60a8\u9009\u62e9\u5e02\u573a\u4ef7\u503c\uff0c\u60a8\u7684\u8d54\u507f\u5c06\u53d6\u51b3\u4e8e\u4e8b\u6545\u53d1\u751f\u65f6\u7684\u5e02\u573a\u4ef7\u503c\uff0c\u800c\u6c7d\u8f66\u7684\u5e02\u573a\u4ef7\u503c\u901a\u5e38\u6bcf\u5e74\u8d2c\u503c 10-15%\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%8F%AA%E9%80%89%E6%8B%A9%E6%82%A8%E9%9C%80%E8%A6%81%E7%9A%84%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\"><\/span>\u53ea\u9009\u62e9\u60a8\u9700\u8981\u7684\u9644\u52a0\u4fdd\u9669<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5e02\u9762\u4e0a\u7684\u6c7d\u8f66\u4fdd\u9669\u4e00\u822c\u53ef\u5206\u4e3a<a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/\">\u4e09\u79cd\u7c7b\u578b<\/a>\uff1a<\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/#1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\">\u7efc\u5408\u578b\u4fdd\u9669<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/#2_%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9%E3%80%81%E5%A4%B1%E7%81%AB%E5%8F%8A%E5%A4%B1%E7%AA%83%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u3001\u706b\u707e\u548c\u76d7\u7a83\u4fdd\u9669<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/%E4%BA%86%E8%A7%A3%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%843%E7%A7%8D%E7%B1%BB%E5%9E%8B\/#3_%E4%B8%89%E5%8F%B7%E4%BF%9D%E9%99%A9%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u4fdd\u9669<\/a><\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/BeFunky-collage-32-1.jpg?resize=800%2C536&amp;ssl=1\" alt=\"\u4fdd\u9669\u7684\u7c7b\u578b\"\/><\/figure>\n\n\n\n<p>\u6211\u4eec\u59cb\u7ec8<a href=\"https:\/\/bjak.my\/blog\/%e4%b8%ba%e4%bb%80%e4%b9%88%e6%82%a8%e9%9c%80%e8%a6%81%e7%bb%bc%e5%90%88%e5%9e%8b%e4%bf%9d%e9%99%a9%ef%bc%9f\/\">\u5efa\u8bae\u60a8\u8d2d\u4e70\u7efc\u5408\u578b\u4fdd\u9669<\/a>\uff0c\u56e0\u4e3a\u5b83\u63d0\u4f9b\u6700\u5168\u9762\u7684\u4fdd\u969c\u3002\u4f46\u662f\uff0c\u7efc\u5408\u578b\u4fdd\u9669\u7684\u4fdd\u8d39\u9ad8\u4e8e\u5176\u4ed6\u4e24\u79cd\u8f66\u9669\u3002\u5982\u679c\u518d\u52a0\u4e0a<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%87%8c%e7%9a%84%e9%99%84%e5%8a%a0%e4%bf%9d%e9%99%a9\/\">\u9644\u52a0\u4fdd\u9669<\/a>\uff0c\u60a8\u7684\u4fdd\u8d39\u5c31\u4f1a\u66f4\u9ad8\u3002\u90a3\u4e48\uff0c\u8981\u5982\u4f55\u7701\u94b1\u5462\uff1f<\/p>\n\n\n\n<p>\u6700\u597d\u7684\u89e3\u51b3\u65b9\u6848<strong>\u4e0d\u662f\u5b8c\u5168\u4e0d\u8d2d\u4e70\u9644\u52a0\u4fdd\u9669\uff0c\u800c\u662f\u53ea\u8d2d\u4e70\u9700\u8981\u7684\u9644\u52a0\u4fdd\u9669<\/strong>\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u60a8\u62e5\u6709\u4e00\u8f86 2020 \u5e74\u7684 Proton Saga 1.3 Auto\u3002\u60a8\u7684\u6c7d\u8f66\u5927\u955c\u56e0\u88ab\u77f3\u5934\u51fb\u4e2d\u800c\u6709\u88c2\u75d5\uff0c\u66f4\u6362\u6c7d\u8f66\u5927\u955c\u7684\u8d39\u7528\u53ef\u80fd\u9ad8\u8fbe RM1,000\u3002\u5982\u679c\u60a8\u8d2d\u4e70<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%87%8c%e7%9a%84%e9%99%84%e5%8a%a0%e4%bf%9d%e9%99%a9\/#%E6%B1%BD%E8%BD%A6%E5%A4%A7%E9%95%9C%E4%BF%9D%E9%9A%9C_windscreen\">\u6c7d\u8f66\u5927\u955c\u4fdd\u969c<\/a>\uff0c\u60a8\u53ea\u9700\u652f\u4ed8\u91d1\u989d\u7684 15%\uff0c\u76f8\u5f53\u4e8e RM150\u3002<\/p>\n\n\n\n<p>\u9700\u8981\u5f3a\u8c03\u7684\u662f\uff0c\u5e76\u975e\u6240\u6709\u7684\u9644\u52a0\u4fdd\u9669\u90fd\u5bf9\u60a8\u6709\u5229\uff0c\u6bd4\u5982\u8bf4\uff0c\u60a8\u6ca1\u6709\u5728\u8f66\u4e0a\u5b89\u88c5\u9ad8\u7ea7\u7684\u6c7d\u8f66\u914d\u4ef6\uff0c\u90a3\u4e48\u60a8\u5c31\u4e0d\u9700\u8981\u8d2d\u4e70<a href=\"https:\/\/bjak.my\/blog\/%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E9%87%8C%E7%9A%84%E9%99%84%E5%8A%A0%E4%BF%9D%E9%99%A9\/#%E9%99%84%E5%8A%A0%E9%85%8D%E4%BB%B6%E4%BF%9D%E9%9A%9C\">\u6c7d\u8f66\u914d\u4ef6\u4fdd\u969c<\/a>\u3002<\/p>\n\n\n\n<p>\u60f3\u8981\u4e86\u89e3\u66f4\u591a\u5173\u4e8e\u9644\u52a0\u4fdd\u9669\u7684\u9009\u62e9\uff0c\u8bf7\u53c2\u9605\uff1a<a href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e9%87%8c%e7%9a%84%e9%99%84%e5%8a%a0%e4%bf%9d%e9%99%a9\/\">\u6c7d\u8f66\u4fdd\u9669\u91cc\u7684\u9644\u52a0\u4fdd\u9669<\/a><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E4%BF%9D%E6%8C%81%E8%89%AF%E5%A5%BD%E7%9A%84%E9%A9%BE%E9%A9%B6%E8%AE%B0%E5%BD%95\"><\/span>\u4fdd\u6301\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u60a8\u77e5\u9053\u5417\uff1f\u60a8\u7684\u7d22\u8d54\u8bb0\u5f55\u5c06\u4f1a\u5f71\u54cd\u60a8\u7684\u4fdd\u8d39\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7684\u6c7d\u8f66\u56e0\u60a8\u7684\u8fc7\u9519\u800c\u53d1\u751f\u610f\u5916\u4e8b\u6545\uff0c\u60a8\u5c06\u5728\u7d22\u8d54\u540e\u5931\u53bb\u60a8\u7684<a href=\"https:\/\/bjak.my\/blog\/%e6%82%a8%e5%bf%85%e9%a1%bb%e7%9f%a5%e9%81%93%e7%9a%84%e6%97%a0%e7%b4%a2%e5%81%bf%e6%8a%98%e6%89%a3%e7%8e%87%ef%bc%88ncd%ef%bc%89\/\">\u65e0\u7d22\u507f\u6298\u6263\u7387 (NCD)<\/a>\u3002<\/p>\n\n\n\n<p>NCD \u662f\u4fdd\u9669\u516c\u53f8\u4ee5\u6298\u6263\u5f62\u5f0f\u5411\u4e00\u5e74\u5185\u672a\u63d0\u51fa\u4efb\u4f55\u7d22\u8d54\u7684\u8f66\u4e3b\u63d0\u4f9b\u7684\u4e00\u79cd\u5956\u52b1\u3002\u5982\u679c\u60a8\u4e0d\u63d0\u51fa\u4efb\u4f55\u7d22\u8d54\uff0c\u60a8\u53ef\u4ee5\u4eab\u53d7\u7684\u6298\u6263\u6bcf\u5e74\u90fd\u4f1a\u66f4\u9ad8\uff0c\u6700\u9ad8\u53ef\u8fbe 55%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-1-_-NCD-4-1024x1024.jpg?resize=854%2C854&amp;ssl=1\" alt=\"\u6c7d\u8f66\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\"\/><\/figure>\n\n\n\n<p>\u60f3\u8c61\u4e00\u4e0b\uff0c\u7531\u4e8e\u516d\u5e74\u6765\u7684\u5e72\u51c0\u9a7e\u9a76\u8bb0\u5f55\uff08\u6ca1\u6709\u63d0\u51fa\u4efb\u4f55\u7d22\u8d54\uff09\uff0c\u60a8\u5df2\u7ecf\u79ef\u7d2f\u4e86 55% \u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\u3002\u5047\u8bbe\u60a8\u7684\u4fdd\u8d39\u662f RM925.02\uff0c\u60a8\u53ea\u9700\u652f\u4ed8 55% \u6216 RM508.76 \u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u60a8\u53d1\u751f\u4e86\u610f\u5916\uff0c\u5e76\u4e14\u662f\u8087\u7978\u8005\uff0c\u60a8\u5c31\u4f1a\u5931\u53bb\u60a8\u7684\u65e0\u7d22\u507f\u6298\u6263\u7387\uff0c\u5373\u8868\u793a\u60a8\u5fc5\u987b\u652f\u4ed8\u4fdd\u8d39 RM925.02\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u4e3a\u4e86\u60a8\u548c\u5176\u4ed6\u9053\u8def\u4f7f\u7528\u8005\u7684\u5b89\u5168\uff0c\u8bf7\u52a1\u5fc5\u5c0f\u5fc3\u9a7e\u9a76\uff0c\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55\u8fd8\u80fd\u5e2e\u60a8\u8282\u7701\u4e0d\u5c11\u4fdd\u8d39\uff01<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%8F%90%E9%AB%98%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88excess%EF%BC%89\"><\/span>\u63d0\u9ad8\u81ea\u4ed8\u91d1\u989d\uff08excess\uff09<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\uff08\u6216\u79f0\u57ab\u5e95\u8d39\u3001\u5206\u62c5\u91d1\u989d\uff09\u6307\u7684\u662f\u8f66\u4e3b\uff08\u4fdd\u5355\u6301\u6709\u4eba\uff09\u5728\u906d\u9047\u8f66\u7978\u540e\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u507f\u65f6\uff08<strong>\u65e0\u8bba\u8f66\u4e3b\u662f\u4e0d\u662f\u8087\u7978\u8005<\/strong>\uff09\uff0c\u9700\u8981\u81ea\u884c\u627f\u62c5\u90e8\u4efd\u7279\u5b9a\u6570\u989d\u7684\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u8f66\u8f86\u635f\u574f\u662f\u56e0\u4e3a\u706b\u707e\u3001\u7206\u70b8\u3001\u95ea\u7535\u6216\u76d7\u7a83\u6240\u9020\u6210\uff0c\u6216\u662f\u7b2c\u4e09\u65b9\u8d22\u7269\u635f\u5931\u53ca\u7b2c\u4e09\u65b9\u53d7\u4f24\u7d22\u8d54\uff0c\u5219\u4e0d\u9700\u652f\u4ed8\u81ea\u4ed8\u91d1\u989d\u3002<\/p>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\u5206\u4e3a\u4e24\u79cd\u7c7b\u578b\uff0c\u5373<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E5%BC%BA%E5%88%B6%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88compulsory_excess%EF%BC%89\"><\/span>\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\uff08compulsory excess\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5f3a\u5236\u6027\u81ea\u4ed8\u91d1\u989d\u6307\u7684\u662f\u8f66\u4e3b\uff08\u4fdd\u5355\u6301\u6709\u4eba\uff09\u5fc5\u987b\u989d\u5916\u652f\u4ed8\u7684\u56fa\u5b9a\u6b3e\u989dRM400\u3002\u5982\u679c\u5728\u4e8b\u6545\u53d1\u751f\u5e76\u63d0\u51fa\u7d22\u8d54\u65f6\uff0c\u8f66\u4e3b\u7b26\u5408\u4ee5\u4e0b\u7684\u60c5\u51b5\uff0c\u5c31\u5fc5\u987b\u652f\u4ed8\u8fd9\u7b14\u6b3e\u989d\uff1a<\/p>\n\n\n\n<ul><li>21\u5c81\u4ee5\u4e0b<\/li><li>\u6301\u6709\u8bd5\u7528 (P) \u6216\u4e34\u65f6 (L) \u9a7e\u9a76\u6267\u7167<\/li><li>\u9a7e\u9a76\u8005\u540d\u5b57\u6ca1\u6709\u5217\u5728\u4fdd\u5355\u91cc<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"%E8%87%AA%E6%84%BF%E6%80%A7%E8%87%AA%E4%BB%98%E9%87%91%E9%A2%9D%EF%BC%88voluntary_excess%EF%BC%89\"><\/span>\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff08voluntary excess\uff09<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>\u5bf9\u4e8e\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff0c\u6709\u7684\u4fdd\u9669\u516c\u53f8\u4f1a\u5f3a\u5236\u6027\u6536\u8d39\uff0c\u4e5f\u6709\u7684\u4fdd\u9669\u516c\u53f8\u4e0d\u989d\u5916\u6536\u8d39\uff0c\u4f46\u4fdd\u8d39\u4f1a\u589e\u52a0\u3002\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\u7684\u6536\u8d39\u6807\u51c6\u56e0\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u800c\u5f02\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u8f66\u4e3b\u7b26\u5408\u4ee5\u4e0b\u7684\u60c5\u51b5\uff0c\u5c31\u5fc5\u987b\u652f\u4ed8\u81ea\u613f\u6027\u81ea\u4ed8\u91d1\u989d\uff1a<\/p>\n\n\n\n<ul><li>\u5e74\u8f7b\u8f66\u4e3b\uff0821\u5c81\u4ee5\u4e0b\uff09<\/li><li>\u6709\u5931\u7a83\u98ce\u9669\u7684\u8f66\u8f86<\/li><li>\u8f66\u9f84\u5927\u7684\u8f66\u8f86<\/li><\/ul>\n\n\n\n<p>\u81ea\u4ed8\u91d1\u989d\u7684\u603b\u989d\u53d6\u51b3\u4e8e\u8f66\u4e3b\u7684\u8f66\u9669\u4fdd\u989d\u7684\u767e\u5206\u6bd4 (%)\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u8981\u6c42\u589e\u52a0\u81ea\u4ed8\u91d1\u989d\u4ee5\u83b7\u5f97\u8f83\u4f4e\u7684\u4fdd\u8d39\u3002\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c<strong>\u867d\u7136\u8f83\u9ad8\u7684\u81ea\u4ed8\u91d1\u989d\u4f1a\u964d\u4f4e\u60a8\u7684\u4fdd\u8d39\uff0c\u4f46\u5982\u679c\u63d0\u51fa\u7d22\u8d54\uff0c\u60a8\u9700\u8981\u652f\u4ed8\u7684\u81ea\u4ed8\u91d1\u989d\u5c31\u66f4\u5927<\/strong>\u3002\u56e0\u6b64\uff0c\u82e5\u60f3\u8981\u4ee5\u63d0\u9ad8\u81ea\u4ed8\u91d1\u989d\u6765\u964d\u4f4e\u4fdd\u8d39\uff0c\u5927\u524d\u63d0\u8fd8\u662f\u4fdd\u6301\u826f\u597d\u7684\u9a7e\u9a76\u8bb0\u5f55\u3002<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E6%AF%94%E8%BE%83%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%9A%84%E4%BB%B7%E6%A0%BC\"><\/span>\u6bd4\u8f83\u6c7d\u8f66\u4fdd\u9669\u7684\u4ef7\u683c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5f3a\u70c8\u5efa\u8bae\u60a8\u5728\u8d2d\u4e70\u4efb\u4f55\u4fdd\u9669\u4e4b\u524d\u6bd4\u8f83\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u7684\u8f66\u9669\u4ef7\u683c\uff0c\u8fd9\u662f\u8282\u7701\u8f66\u9669\u4fdd\u8d39\u7684\u6700\u7b80\u5355\u548c\u6700\u5b9e\u7528\u7684\u65b9\u6cd5\u3002<\/p>\n\n\n\n<p>\u4ece2017\u5e747\u67081\u65e5\u5f00\u59cb\uff0c\u56fd\u5bb6\u94f6\u884c\u843d\u5b9e\u4e86<a href=\"https:\/\/bjak.my\/blog\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e8%87%aa%e7%94%b1%e6%b5%ae%e5%8a%a8%e5%ae%9a%e4%bb%b7%e6%9c%ba%e5%88%b6\/\">\u8f66\u9669\u81ea\u7531\u6d6e\u52a8\u5b9a\u4ef7\u673a\u5236<\/a>\uff0c<a href=\"https:\/\/bjak.my\/blog\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%843%e7%a7%8d%e7%b1%bb%e5%9e%8b\/#1_%E7%BB%BC%E5%90%88%E5%9E%8B%E4%BF%9D%E9%99%A9\">\u7efc\u5408\u578b\u4fdd\u9669<\/a>\u548c<a href=\"https:\/\/bjak.my\/blog\/%e4%ba%86%e8%a7%a3%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%e7%9a%843%e7%a7%8d%e7%b1%bb%e5%9e%8b\/#2_%E7%AC%AC%E4%B8%89%E6%96%B9%E4%BF%9D%E9%99%A9%E3%80%81%E5%A4%B1%E7%81%AB%E5%8F%8A%E5%A4%B1%E7%AA%83%E4%BF%9D%E9%99%A9\">\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<\/a>\u7684\u4fdd\u8d39\u5c06\u7531\u4fdd\u9669\u516c\u53f8\u81ea\u7531\u5b9a\u4ef7\u3002\u56e0\u6b64\uff0c\u5728\u8fd9\u4e2a\u673a\u5236\u7684\u5f71\u54cd\u4e0b\uff0c\u60a8\u9700\u8981\u6bd4\u8f83\u8f66\u9669\u3002<\/p>\n\n\n\n<p>\u843d\u5b9e\u81ea\u7531\u5b9a\u4ef7\u673a\u5236\u4fc3\u8fdb\u4e86\u4fdd\u9669\u516c\u53f8\u4e0e\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u7684\u826f\u6027\u7ade\u4e89\uff0c\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u56e0\u6b64\u800c\u63a8\u51fa\u4e86\u72ec\u7279\u7684\u4f18\u60e0\u914d\u5957\u3002\u6bd4\u5982\uff0c\u4e3a\u5c11\u5f00\u8f66\u7684\u6d88\u8d39\u8005\u63d0\u4f9b\u73b0\u91d1\u56de\u6263\uff0c\u6216\u8005\u63d0\u4f9b0%\u5229\u606f\u5206\u671f\u4ed8\u6b3e\u7b49\u3002\u56e0\u6b64\uff0c\u6bd4\u8f83\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u7684\u8f66\u9669\u80fd\u8ba9\u60a8\u6709\u673a\u4f1a\u4eab\u6709\u66f4\u591a\u4f18\u60e0\u914d\u5957\u3002<\/p>\n\n\n\n<p>\u9664\u4e86\u63a8\u51fa\u65e2\u5438\u5f15\u4eba\u53c8\u72ec\u7279\u7684\u4f18\u60e0\uff0c\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u8f66\u9669\u4ef7\u683c\u4e5f\u5927\u4e0d\u76f8\u540c\uff0c\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u751a\u81f3\u63a8\u51fa\u5ba2\u5236\u5316\u8f66\u9669\u4fdd\u5355\uff0c\u5373\u662f\u8ba9\u6d88\u8d39\u8005\u81ea\u884c\u5b9a\u5236\u6216\u4fee\u6539\u4fdd\u5355\u4fdd\u969c\uff0c\u4ee5\u4fbf\u8ba9\u8f66\u9669\u66f4\u7b26\u5408\u6d88\u8d39\u8005\u7684\u9700\u6c42\uff0c\u5728\u8fd9\u6837\u7684\u60c5\u51b5\u4e0b\uff0c\u6d88\u8d39\u8005\u5c31\u6709\u673a\u4f1a\u4eab\u6709\u65e2\u4fbf\u5b9c\u53c8\u7b26\u5408\u81ea\u5df1\u9700\u6c42\u7684\u8f66\u9669\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i2.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211018_BjakBlog_Chloe_01_Slide58-01-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"\u4e3a\u4ec0\u4e48\u8981\u6bd4\u8f83\u8f66\u9669\uff1f\"\/><\/figure>\n\n\n\n<p>\u60a8\u65e0\u9700\u51fa\u95e8\uff0c\u66f4\u65e0\u9700\u5230\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u7f51\u7ad9\u8be2\u95ee\u62a5\u4ef7\uff0c<strong>\u60a8\u53ef\u4ee5\u4f7f\u7528\u5168\u9a6c\u7b2c\u4e00\u7684\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u5e73\u53f0\u2014\u2014\u5fc5\u4f73<\/strong>\u3002\u5728\u5fc5\u4f73\uff0c\u60a8\u53ef\u4ee5<a href=\"https:\/\/bjak.my\/zh?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogzh\">\u4e00\u6b21\u6027\u6bd4\u8f83\u8d85\u8fc715\u5bb6\u4fdd\u9669\u516c\u53f8\u7684\u62a5\u4ef7<\/a>\uff0c\u8fd9\u5c06\u4e3a\u60a8\u5927\u5927\u8282\u7701\u65f6\u95f4\u4e0e\u7cbe\u529b\u3002\u4e0d\u4ec5\u5982\u6b64\uff0c\u60a8\u53ea\u9700\u4f7f\u7528 WhatsApp\uff0c\u5c31\u53ef\u4ee5\u5728 10 \u5206\u949f\u5185\u5b8c\u6210\u66f4\u65b0\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u60a8\u7684\u4fdd\u5355\u5c06\u7acb\u5373\u751f\u6548\uff01<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/Image-2_-Perbandingan-harga-insurans-1-1-1080x608.jpg?resize=854%2C481&amp;ssl=1\" alt=\"\u5fc5\u4f73\u6bd4\u8f83\u4fdd\u9669\"\/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"%E5%88%B0%E5%BF%85%E4%BD%B3%E7%BA%BF%E4%B8%8A%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E4%B8%8E%E8%B7%AF%E7%A8%8E\"><\/span>\u5230\u5fc5\u4f73\u7ebf\u4e0a\u66f4\u65b0\u8f66\u9669\u4e0e\u8def\u7a0e<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img data-attachment-id=\"7604\" data-permalink=\"https:\/\/bjak.my\/blog\/%e8%b7%af%e7%a8%8e\/%e5%a6%82%e4%bd%95%e6%9b%b4%e6%96%b0%e8%b7%af%e7%a8%8e%ef%bc%9f\/attachment\/211022_bjakblog_chloe_66_75-01-03\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?fit=1080%2C1080&amp;ssl=1\" data-orig-size=\"1080,1080\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"211022_BjakBlog_Chloe_66_75-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"\u5230\u5fc5\u4f73\u66f4\u65b0\u8f66\u9669\u4e0e\u8def\u7a0e\" class=\"wp-image-7604\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/211022_BjakBlog_Chloe_66_75-01-03.png?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption>\u53ea\u8981\u8ddf\u7740\u4ee5\u4e0a\u7684\u6b65\u9aa4\uff0c\u60a8\u5c31\u53ef\u4ee5\u5728\u5fc5\u4f73\u66f4\u65b0\u60a8\u7684\u8f66\u9669\u4e0e\u8def\u7a0e\u3002<\/figcaption><\/figure>\n\n\n\n<p>\u75ab\u60c5\u671f\u95f4\uff0c\u8981\u51fa\u95e8\u529e\u4e8b\u96be\u514d\u4f1a\u6709\u4e9b\u4e0d\u65b9\u4fbf\uff0c\u4e0d\u4f46\u8981\u6234\u53e3\u7f69\uff0c\u8fd8\u8981\u4fdd\u6301\u793e\u4ea4\u8ddd\u79bb\uff0c\u771f\u9ebb\u70e6\u5440\uff01<\/p>\n\n\n\n<p>\u522b\u62c5\u5fc3\uff0c<a 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