{"id":29537,"date":"2022-04-21T17:05:56","date_gmt":"2022-04-21T09:05:56","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=29537"},"modified":"2022-05-21T19:22:56","modified_gmt":"2022-05-21T11:22:56","slug":"do-you-need-personal-accident-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance","title":{"rendered":"Do You Need Personal Accident Insurance?"},"content":{"rendered":"\n<p>Attention! This is what you need to understand. Car insurance coverage does not cover your injury, permanent disability, or death as a result of the tragedy of a road accident. Read this article to learn how car insurance coverage differs from personal accident coverage.<\/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-69d486af3b95c\" 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-69d486af3b95c\"><\/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\/car-insurance\/do-you-need-personal-accident-insurance\/#Car_insurance_only_covers_third_party_bodily_injury_and_death\" title=\"Car insurance only covers third party&nbsp;bodily&nbsp;injury and death\">Car insurance only covers third party&nbsp;bodily&nbsp;injury and death<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#What_is_Personal_Accident_Insurance\" title=\"What is Personal Accident Insurance?\">What is Personal Accident Insurance?<\/a><\/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\/car-insurance\/do-you-need-personal-accident-insurance\/#How_can_you_get_personal_accident_insurance\" title=\"How can you get personal accident insurance?\">How can you get personal accident insurance?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Purchase_personal_accident_protection_products\" title=\"Purchase personal accident protection products\">Purchase personal accident protection products<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Purchase_additional_coverage_for_a_personal_accident_in_comprehensive_policy\" title=\"Purchase additional coverage for a personal accident in comprehensive policy\">Purchase additional coverage for a personal accident in comprehensive policy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#How_much_is_the_additional_coverage_for_the_personal_accident\" title=\"How much is the additional coverage for the personal accident?\">How much is the additional coverage for the personal accident?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Can_motorcyclists_purchase_personal_accident_coverage_too\" title=\"Can motorcyclists purchase personal accident coverage too?\">Can motorcyclists purchase personal accident coverage too?<\/a><\/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\/car-insurance\/do-you-need-personal-accident-insurance\/#Do_you_need_personal_accident_cover_if_you_already_have_a_medical_card\" title=\"Do you need personal accident cover if you already have a medical card?\">Do you need personal accident cover if you already have a medical card?<\/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\/car-insurance\/do-you-need-personal-accident-insurance\/#Does_a_personal_accident_insurance_claim_affect_your_NCD_rate\" title=\"Does a personal accident insurance claim affect your NCD rate?\">Does a personal accident insurance claim affect your NCD rate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Can_you_add_additional_coverage_for_personal_accident_with_other_insurers\" title=\"Can you add additional coverage for personal accident with other insurers?\">Can you add additional coverage for personal accident with other insurers?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Ways_to_claim_personal_accident_coverage\" title=\"Ways to claim personal accident coverage\">Ways to claim personal accident coverage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Do_you_need_to_get_personal_accident_insurance\" title=\"Do you need to get personal accident insurance?\">Do you need to get personal accident insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/#Value_your_life_by_adequate_coverage\" title=\"Value your life by adequate coverage\">Value your life by adequate coverage<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Car_insurance_only_covers_third_party_bodily_injury_and_death\"><\/span>Car insurance only covers third party&nbsp;bodily&nbsp;injury and death<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The car insurance only compensates in the event of:<\/p>\n\n\n\n<ul><li>Accidental car fire or theft (except for third-party policy)<\/li><li>Car damage to your car or the third party (comprehensive policy)<\/li><li>Third-party bodily injury or death (all policy types)<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/i0.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/10\/211008_BjakBlog_Adilah_ENG_A5-01-03-1-1-1024x1024.png?resize=854%2C854&amp;ssl=1\" alt=\"Types of car insurance policies \"\/><\/figure>\n\n\n\n<p>Despite purchasing a comprehensive insurance policy, it does not cover permanent disability or death as a result of a road accident.<\/p>\n\n\n\n<p>Therefore, what is your initiative to enable you (as the first party) to get covered in the event of bodily injury in a road accident?<\/p>\n\n\n\n<p>The answer is by getting personal accident coverage.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"What_is_Personal_Accident_Insurance\"><\/span>What is Personal Accident Insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11406\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/pa-dalam-insurans-kenderaan-perlu-atau-tidak\/attachment\/photo_2021-11-17_17-57-38\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?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=\"photo_2021-11-17_17-57-38\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans kemalangan peribadi berperanan memberikan pampasan kepada anda jika berlaku kecederaan, hilang upaya kekal atau kematian disebabkan kemalangan jalan raya\" class=\"wp-image-11406\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/photo_2021-11-17_17-57-38.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>The purpose of <strong>this insurance<\/strong> is to give <strong>monetary compensation to you in the event of:<\/strong><\/p>\n\n\n\n<ol><li>Injury<\/li><li>Permanent disability<\/li><li>Death resulting from accidents<\/li><\/ol>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_can_you_get_personal_accident_insurance\"><\/span>How can you get personal accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two ways to purchase it:<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Purchase_personal_accident_protection_products\"><\/span>Purchase personal accident protection products<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Similar to life and medical insurance, you can purchase personal accident insurance.<\/p>\n\n\n\n<p>The policy compensates you in the event of permanent disability or death resulting from accidents.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Purchase_additional_coverage_for_a_personal_accident_in_comprehensive_policy\"><\/span>Purchase additional coverage for a personal accident in comprehensive policy<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Car owners have an option to purchase additional coverage for a personal accident when renewing insurance in comprehensive plan. The premium for this additional coverage usually will vary across insurers. <\/p>\n\n\n\n<p>There are insurance companies that provide the coverage for free in the comprehensive policy. Examples are <a href=\"https:\/\/bjak.my\/blog\/car-insurance-explained\/#What_are_the_differences_between_car_insurance_and_personal_accident_insurance\">Liberty and Takaful Malaysia<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_much_is_the_additional_coverage_for_the_personal_accident\"><\/span>How much is the additional coverage for the personal accident?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>As mentioned above, the premium for additional coverage will vary among insurance providers. Generally, the&nbsp;premium&nbsp;for this&nbsp;add-ons cover&nbsp;is up to RM100. However, it depends on the amount of coverage.<\/p>\n\n\n\n<p>For example, MSIG gives an option to the policyholder to get coverage for a driver with an additional premium of RM60 only.<\/p>\n\n\n\n<p>You may refer to your preferred insurer or agent to learn more about the premium for confirmation.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_motorcyclists_purchase_personal_accident_coverage_too\"><\/span>Can motorcyclists purchase personal accident coverage too?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, personal accident coverage is also offered to motorcycle owners. <\/p>\n\n\n\n<p>To your knowledge, motorcyclists are highly recommended to purchase this additional coverage. They are more at risk of being involved in road accidents.<\/p>\n\n\n\n<p>The premium for motorcycle owners is lower too. It usually only costs RM20 for a total cover of RM5,000.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_you_need_personal_accident_cover_if_you_already_have_a_medical_card\"><\/span>Do you need personal accident cover if you already have a medical card?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Let&#8217;s refer to the below visual to see the differences:<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"31060\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/do-you-need-personal-accident-insurance\/attachment\/photo6068871381925343304\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?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=\"photo6068871381925343304\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"\" class=\"wp-image-31060\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2022\/04\/photo6068871381925343304.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Does_a_personal_accident_insurance_claim_affect_your_NCD_rate\"><\/span>Does a personal accident insurance claim affect your NCD rate?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No. Your NCD entitlement will not be affected by the following factors:<\/p>\n\n\n\n<ul><li>You make a claim as a result of an accident that befell you<\/li><li>Personal accident claims are from third parties<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Can_you_add_additional_coverage_for_personal_accident_with_other_insurers\"><\/span>Can you add additional coverage for personal accident with other insurers?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To your knowledge, you can&#8217;t purchase the additional coverages from other insurers. You can only add additional coverages in the comprehensive with your current insurers.<\/p>\n\n\n\n<p>Although other insurers offer higher coverage in amount, you have no option but to get it from your insurer. Therefore, please compare across insurance companies to evaluate the benefits. <\/p>\n\n\n\n<p><em>Example: Your company&#8217;s name is A. If you purchase comprehensive insurance from company A, the add-on covers must be from company A too.<\/em><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Ways_to_claim_personal_accident_coverage\"><\/span>Ways to claim personal accident coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You can claim through the company&#8217;s branch where you renew your insurance. <\/p>\n\n\n\n<p>In addition, you will need to provide the necessary documents required by the insurer.<\/p>\n\n\n\n<ul><li>Copy of police report<\/li><li>Copy of personal accident insurance certificate<\/li><li>Receipt or hospital&#8217;s bills<\/li><li>Copy of death certificate (if the compensation involves death)<\/li><li>Copy of your statement account\/heir<\/li><\/ul>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_you_need_to_get_personal_accident_insurance\"><\/span>Do you need to get personal accident insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>We absolutely recommend you to get it! <\/p>\n\n\n\n<p>Accordingly, personal accident coverage is necessary in the event of an accident. It protects you from financial burdens if something happens to you in the accident.<\/p>\n\n\n\n<p>If you have a limited budget to get personal accident products, you can save by adding them to your policy plan.<\/p>\n\n\n\n<p>Several insurance providers offer additional personal accident coverage for free to the comprehensive policyholder. Therefore, you may choose the best one for yourself and the vehicle.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Value_your_life_by_adequate_coverage\"><\/span>Value your life by adequate coverage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Your insurance premium will soar after you purchase the additional personal accident coverage. However, it is better rather than having to cover the deadly cost yourself in the future.<\/p>\n\n\n\n<p>In brief, make sure your vehicle gets protected adequately to avoid financial strains in the future. Compare across insurers first to get the best coverage.<\/p>\n\n\n\n<p>You can do it conveniently using Bjak!<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em><strong>Bjak is&nbsp;<a href=\"https:\/\/www.nst.com.my\/lifestyle\/bots\/2020\/10\/634003\/compare-widest-range-car-insurance-zero-hassle-online-platform\">one of Malaysia\u2019s biggest insurance comparison sites<\/a>, offering 15 insurance brands. Get&nbsp;<a href=\"https:\/\/bjak.my\/en?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=blogen\">free car insurance quotes<\/a>&nbsp;at Bjak and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-car-insurance\/#Renew_car_insurance_online_through_insurance_comparison_sites\">renew your insurance<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/bjak.my\/blog\/how-to-renew-roadtax-bjak-myeg-mysikap-jpj\/#Renew_roadtax_online_at_Bjak\">road tax<\/a>&nbsp;in just 5 minutes<\/strong>.<\/em><\/p>\n\n\n\n<p><br><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Should you get additional personal accident insurance coverage?<\/p>\n<p>Read this article to learn more about the advantages.<\/p>\n","protected":false},"author":7,"featured_media":11405,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,37,59,322,424,1664,1665],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>PA\u2019 dalam Insurans Kenderaan - Perlu atau Tidak? - Bjak MY<\/title>\n<meta name=\"description\" content=\"Should you get additional personal accident insurance coverage? 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