{"id":35568,"date":"2023-01-10T11:57:57","date_gmt":"2023-01-10T03:57:57","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=35568"},"modified":"2025-11-03T20:43:49","modified_gmt":"2025-11-03T12:43:49","slug":"5-jenis-insurans-perlu-ada","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-jenis-insurans-perlu-ada","title":{"rendered":"5 Jenis Insurans Yang Anda  Perlu Pertimbangkan &#8211; \u2018Last\u2019 tu Memang Wajib!"},"content":{"rendered":"\n<p>Sebut sahaja mengenai \u2018insurans\u2019, pasti ramai yang menganggap ia sebagai satu beban kewangan yang perlu ditanggung pada setiap bulan. Namun tahukah anda bahawa memiliki beberapa <a href=\"https:\/\/bjak.my\/blog\/beza-insurans-1st-party-dengan-3rd-party\/\">jenis insurans<\/a> adalah sangat penting bagi melindungi diri jika berlaku sesuatu pada masa akan datang.\u00a0<\/p>\n\n\n\n<p>Insurans memberi kelebihan yang sangat besar bukan sahaja buat individu malah juga untuk seisi keluarga. Justeru di sini, kami senaraikan 5 jenis insurans yang anda perlu ada dan pertimbangkan untuk melindungi diri dan juga keluarga tersayang anda.\u00a0<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=%205-jenis-insurans-perlu-ada\" style=\"background-color:#ecc100\">Dapatkan Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><\/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-69e146a8d5d27\" 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-69e146a8d5d27\"><\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Kad_perubatan_Medical_card\" title=\"Kad perubatan (Medical card)\">Kad perubatan (Medical card)<\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Insurans_nyawa\" title=\"Insurans nyawa\">Insurans nyawa<\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Insurans_perjalanan\" title=\"Insurans perjalanan&nbsp;\">Insurans perjalanan&nbsp;<\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Insurans_rumah\" title=\"Insurans rumah\">Insurans rumah<\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Insurans_kereta\" title=\"Insurans kereta\">Insurans kereta<\/a><\/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\/insurans-kereta\/5-jenis-insurans-perlu-ada\/#Beri_perlindungan_untuk_diri_sendiri_dan_keluarga\" title=\"Beri perlindungan untuk diri sendiri dan keluarga\">Beri perlindungan untuk diri sendiri dan keluarga<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Kad_perubatan_Medical_card\"><\/span>Kad perubatan (Medical card)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11638\" data-permalink=\"https:\/\/bjak.my\/blog\/211118_bjakblog-a6-01-02\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.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=\"211118_BjakBlog-A6-01-02\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Kad perubatan mampu menanggung kos rawatan anda jika ditimpa penyakit\" class=\"wp-image-11638\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-02.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Adakah anda dalam kumpulan individu yang masih belum memiliki kad perubatan? Jika ya, anda perlu mempertimbang untuk membelinya sekarang. Dengan memiliki kad perubatan, anda sekurang-kurangnya tidak perlu memikirkan kos yang bakal ditanggung jika secara tiba-tiba disahkan mengalami penyakit dan perlu mendapatkan rawatan di hospital. <\/p>\n\n\n\n<p>\u201cTapi saya dah ada kad perubatan daripada syarikat tempat saya kerja\u201d. Ya, itu juga bagus. Gunakan sebaik mungkin kad perubatan yang disediakan oleh syarikat anda itu. Sebagai contoh apabila anda ditahan di hospital, gunakan kad perubatan yang disediakan syarikat anda. Ini bagi menjimatkan limit tahunan pada kad perubatan persendirian anda.&nbsp;<\/p>\n\n\n\n<p>Jadi, pada dasarnya masih tidak rugi jika anda turut memiliki kad perubatan persendirian. Anda sendiri tidak tahu berapa lama akan berkhidmat di syarikat tersebut bukan?<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_nyawa\"><\/span>Insurans nyawa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11639\" data-permalink=\"https:\/\/bjak.my\/blog\/211118_bjakblog-a6-01-03\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.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=\"211118_BjakBlog-A6-01-03\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans nyawa akan melindungi insan kesayangan anda jika berlaku sesuatu kepada diri anda\" class=\"wp-image-11639\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-03.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Siapa sahaja yang tak sayang keluarga kan? Tahukah anda insurans nyawa atau sering disebut sebagai <em>life insurance <\/em>ini bakal membantu kewangan keluarga apabila anda meninggal dunia suatu hari nanti atau mengalami hilang upaya kekal. Dengan adanya insurans ini, anda sekurang-kurangnya dapat membantu menjamin masa depan keluarga sekiranya berlaku sesuatu kepada diri anda.<\/p>\n\n\n\n<p>Dengan kata mudah, insurans nyawa adalah persediaan bantuan kewangan yang dibuat oleh anda sebagai pembeli kepada keluarga anda selepas anda meninggal dunia. Lebih menarik, anda juga boleh membuat pelepasan cukai sehingga RM6,000 selepas membeli insurans ini.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_perjalanan\"><\/span>Insurans perjalanan&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11641\" data-permalink=\"https:\/\/bjak.my\/blog\/211118_bjakblog-a6-01-04\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.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=\"211118_BjakBlog-A6-01-04\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?fit=1024%2C1024&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"1024\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans perjalanan sesuai untuk anda yang kerap melancong ke luar negara\" class=\"wp-image-11641\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-04.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Siapa di sini yang seringkali pergi melancong ke luar negara? Bila berada di tempat orang, pasti risau bukan jika berlaku sesuatu perkara yang diingini nanti. Jadi sebaiknya, anda beli <a href=\"https:\/\/bjak.my\/blog\/insurans-perjalanan-terbaik\/\">insurans perjalanan<\/a> sebagai persediaan buat diri anda.\u00a0<\/p>\n\n\n\n<p>Untuk makluman, insurans perjalanan penting bagi melindungi anda daripada kemalangan, kerugian atau gangguan perjalanan&nbsp;ketika melancong. Pada kebiasaannya, insurans ini terhad kepada waktu dan tempoh perjalanan seseorang.&nbsp;<\/p>\n\n\n\n<p>Antara perlindungan insurans perjalanan yang sering disediakan syarikat insurans adalah kemalangan diri, kehilangan pasport, kehilangan dan kelewatan bagasi, penghantaran pulang jenazah dan pelbagai lagi.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_rumah\"><\/span>Insurans rumah<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11642\" data-permalink=\"https:\/\/bjak.my\/blog\/211118_bjakblog-a6-01-05\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.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=\"211118_BjakBlog-A6-01-05\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.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\/211118_BjakBlog-A6-01-05.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Insurans rumah penting untuk melindungi rumah anda terhadap sebarang kerugian mahupun kerosakan\" class=\"wp-image-11642\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-05.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Adakah anda kini sudah memiliki sebuah rumah? Jika ya, adakah anda sudah membeli insurans bagi rumah kesayangan anda itu?&nbsp;<\/p>\n\n\n\n<p>Insurans rumah penting untuk melindungi rumah terhadap sebarang kerugian mahupun kerosakan. Di Malaysia, terdapat tiga jenis polisi insurans rumah utama yang pemilik perlu ketahui:<\/p>\n\n\n\n<p><strong>Polisi rumah<\/strong>: Melindungi harta benda di dalam rumah anda daripada sebarang kerugian atau kerosakan akibat daripada malapetaka seperti kebakaran, letupan dan kilat.<\/p>\n\n\n\n<p><strong>Polisi isi rumah<\/strong>: Memberi perlindungan terhadap harga benda daripada kerugian atau kerosakan akibat kejadian seperti kebakaran, banjir, dan lain-lain. Jika ahli di dalam rumah tersebut turut diinsuranskan, maka ia juga akan turut memberi perlindungan jika mengalami sebarang kecederaan atau luka.<\/p>\n\n\n\n<p><strong>Polisi kebakaran asas<\/strong>: Melindungi harta benda di dalam rumah daripada kerugian atau kerosakan akibat kebakaran, letupan dan kilat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Insurans_kereta\"><\/span>Insurans kereta<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"11643\" data-permalink=\"https:\/\/bjak.my\/blog\/211118_bjakblog-a6-01-06\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.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=\"211118_BjakBlog-A6-01-06\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?fit=300%2C300&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.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\/211118_BjakBlog-A6-01-06.jpg?resize=1024%2C1024&#038;ssl=1\" alt=\"Jika anda seorang pemilik kenderaan, maka anda wajib untuk memperbaharuinya setiap tahun\" class=\"wp-image-11643\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?resize=1024%2C1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/11\/211118_BjakBlog-A6-01-06.jpg?w=1080&amp;ssl=1 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Ini adalah satu jenis insurans yang <strong>wajib dimiliki oleh setiap pemilik kenderaan<\/strong>. Secara asasnya memiliki insurans kenderaan adalah penting untuk kesenangan anda pada masa akan datang. Melalui perlindungan insurans ini, anda sebagai pemilik kenderaan tidak akan berasa terlalu terbeban khususnya dari segi kewangan jika berlaku sesuatu terhadap kenderaan anda ataupun pihak yang dilanggar oleh anda nanti.<\/p>\n\n\n\n<p>Ini kerana, sekurang-kurangnya keseluruhan atau sebahagian daripada kos tersebut bakal ditanggung oleh syarikat insurans yang mana ia secara tidak langsung mengurangkan beban kewangan dan mental anda.<\/p>\n\n\n\n<p>Ketika membeli <a href=\"https:\/\/bjak.my\/blog\/panduan-lengkap-insurans-kereta\/\">insurans kereta<\/a>, harga insurans kenderaan anda pada dasarnya akan ditentukan seperti di bawah:<\/p>\n\n\n\n<p><strong>Premium asas &#8211; NCD + sebarang perlindungan insurans tambahan + 6% SST + RM10 Duti Setem = Premium<\/strong><\/p>\n\n\n\n<p><em>* Premium bermaksud harga yang perlu dibayar untuk insurans.<\/em><\/p>\n\n\n\n<p>Kini, anda boleh membeli insurans untuk kereta atau motor anda di Bjak dan lakukan sendiri perbandingan dengan lebih 15 syarikat insurans dan takaful yang ada bagi mendapatkan penjimatan sehingga RM480.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Beri_perlindungan_untuk_diri_sendiri_dan_keluarga\"><\/span>Beri perlindungan untuk diri sendiri dan keluarga<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Dengan keadaan yang tidak menentu pada hari ini, anda sangat digalakkan untuk mempunyai salah satu perlindungan insurans yang dikongsikan di atas terutamanya kad perubatan dan juga insurans nyawa. Kad perubatan bakal berfungsi untuk menanggung kos rawatan anda di hospital jika anda ditimpa penyakit suatu hari nanti. Manakala, insurans nyawa pula bakal membantu waris dan keluarga yang anda sayang jika berlaku sesuatu terhadap diri anda kelak.<\/p>\n\n\n\n<p>Belilah insurans dari usia yang muda. Jangan tangguh lebih lama kerana semakin berusia umur anda, semakin mahal premium yang perlu dibayar nanti dan semakin sedikit manfaat perlindungan yang boleh anda peroleh. Anda juga boleh mendapatkan perlindungan lengkap insurans nyawa dan perubatan melalui\u00a0Bjak. Jika terdapat sebarang kemusykilan, jangan teragak-agak untuk berhubung dengan ejen kami yang bersedia untuk membantu anda pada bila-bila masa.\u00a0<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p>Bjak menyediakan lebih 10 jenama insurans untuk pengguna lakukan perbandingan. Dapatkan\u00a0<a href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign= 5-jenis-insurans-perlu-ada\">sebut\u00a0harga percuma<\/a>\u00a0di Bjak dan pilih pelan terbaik hari ini!<\/p>\n\n\n\n<div class=\"wp-container-2 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-nv-dark-bg-color has-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=%205-jenis-insurans-perlu-ada\" style=\"background-color:#eec409\">Dapatkan Insurans Terbaik<\/a><\/div>\n<\/div>\n\n\n\n<p><strong>Baca juga:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/bjak.my\/blog\/kenapa-orang-memilih-insurans-kereta-paling-murah\/\">Kenapa Orang Memilih Insurans Kereta Paling Murah?<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/4-sebab-kenapa-pemilik-motosikal-perlu-ada-insurans\/\">4 Sebab Kenapa Pemilik Motosikal Perlu Ada Insurans<\/a><\/li><li><a href=\"https:\/\/bjak.my\/blog\/insurans-kereta-kenapa-anda-tidak-boleh-pandu-jika-kenderaan-tiada-insurans\/\">Insurans Kereta: Kenapa Anda Tidak Boleh Pandu Jika Kenderaan Tiada Insurans?<\/a><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Insurans memberi kelebihan bukan sahaja buat individu malah juga untuk seisi keluarga. Ketahui peranan setiap insurans dalam perkongsian ini.<\/p>\n","protected":false},"author":4,"featured_media":35570,"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":[350],"tags":[26,243,94,95,105],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Jenis Insurans Perlu Dipertimbang - \u2018Last\u2019 tu Memang Wajib!<\/title>\n<meta name=\"description\" content=\"Beberapa jenis insurans memberi kelebihan bukan sahaja buat individu malah juga seisi keluarga. 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