{"id":4251,"date":"2021-09-22T19:43:29","date_gmt":"2021-09-22T11:43:29","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=4251"},"modified":"2025-11-03T21:16:57","modified_gmt":"2025-11-03T13:16:57","slug":"5-perkara-yang-menyebabkan-premium-insurans-mahal","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal","title":{"rendered":"5 Perkara yang Menyebabkan Premium Insurans Mahal"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4300\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal\/attachment\/befunky-collage-56\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" 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;1&quot;}\" data-image-title=\"BeFunky-collage-56\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4300\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?resize=300%2C150&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-56.jpg?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p><strong><em>&#8220;Kenapa premium untuk insurans saya lebih mahal ya?&#8221;<\/em><\/strong><\/p>\n\n\n\n<p>Tahukah anda?<\/p>\n\n\n\n<p>Terdapat banyak faktor yang akan menentukan harga premium untuk insurans nyawa. Tidak semestinya anda sebaya dengan rakan anda, anda menganggap bahawa jumlah premium yang akan dibayar untuk insurans nyawa adalah sama dengannya.<\/p>\n\n\n\n<p>Anda tidak perlu berasa pelik atau ragu-ragu dengan perkara ini. Sebenarnya, terdapat beberapa faktor yang menyebabkan premium insurans anda menjadi lebih mahal.<\/p>\n\n\n\n<p>Ingin tahu apakah sebabnya? Teruskan membaca artikel ini.<\/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-69e7e264a5617\" 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-69e7e264a5617\"><\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#1_Lewat_ambil_insurans\" title=\"1. Lewat ambil insurans\">1. Lewat ambil insurans<\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#2_Jumlah_perlindungan_tinggi\" title=\"2. Jumlah perlindungan tinggi\">2. Jumlah perlindungan tinggi<\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#3_Pekerjaan_dan_gaya_hidup_anda\" title=\"3. Pekerjaan dan gaya hidup anda\">3. Pekerjaan dan gaya hidup anda<\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#4_Anda_seorang_perokok\" title=\"4. Anda seorang perokok\">4. Anda seorang perokok<\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#5_Syarat-syarat_pra_wujud\" title=\"5. Syarat-syarat pra wujud\">5. Syarat-syarat pra wujud<\/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-perkara-yang-menyebabkan-premium-insurans-mahal\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Lewat_ambil_insurans\"><\/span>1. Lewat ambil insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cAmbil dari insurans sekarang untuk bayar murah!\u201d<\/p>\n\n\n\n<p>Pernahkah anda mendengar ayat ini oleh mana-mana ejen insurans atau individu lain? Jika ya, ada sebab mengapa mereka mengatakan begitu.<\/p>\n\n\n\n<p>Fahami dulu<strong> contoh <\/strong>gambaran situasi di bawah ini:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"4303\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal\/attachment\/210922-01-01-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?fit=800%2C400&amp;ssl=1\" data-orig-size=\"800,400\" 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=\"210922-01-01-2\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?fit=300%2C150&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?fit=800%2C400&amp;ssl=1\" loading=\"lazy\" width=\"800\" height=\"400\" src=\"https:\/\/i1.wp.com\/bjak.com\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?resize=800%2C400&#038;ssl=1\" alt=\"\" class=\"wp-image-4303\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?w=800&amp;ssl=1 800w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?resize=300%2C150&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/210922-01-01-2.png?resize=768%2C384&amp;ssl=1 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Berdasarkan gambar di atas, mengapakah premium bulanan dan jumlah premium yang dibayar sehingga usia 70 tahun oleh Fariz lebih mahal berbanding Tan Wei Sheen meskipun mereka memilih jumlah perlindungan yang sama iaitu sebanyak RM200,000?<\/p>\n\n\n\n<p>Baca penjelasannya ini:<\/p>\n\n\n\n<p><strong>Premium bulanan<\/strong><\/p>\n\n\n\n<p>Fariz membayar premium bulanan yang lebih tinggi kerana beliau hanya mendapatkan perlindungan insurans pada usia 35 tahun. Di usia itu, Fariz kemungkinan sudah mempunyai penyakit pra-wujud seperti tekanan darah tinggi, diabetes atau lain-lain yang mendorong kepada peningkatan pada premium insurans. <\/p>\n\n\n\n<p><em>Bagaimana jika Faris masih sihat di usia itu dan tidak menghidap sebarang penyakit?<\/em><\/p>\n\n\n\n<p>Secara lumrahnya, semakin anda berusia, semakin anda berisiko untuk menghidap sebarang penyakit berbanding yang lebih muda. Justeru walaupun Fariz masih sihat dan tidak mempunyai sebarang penyakit pada ketika itu, dia tetap perlu membayar premium yang lebih mahal kerana dianggap berisiko\/ lebih terdedah untuk menghidap penyakit pada masa akan datang.<\/p>\n\n\n\n<p> <strong>Jumlah premium yang dibayar sehingga 70 tahun <\/strong><\/p>\n\n\n\n<p>Malah jika diteliti berdasarkan jadual gambar di atas, anggaran jumlah premium yang dibayar oleh Fariz dan Tan Wei Sheen sehingga umur 70 tahun juga adalah jauh berbeza. Fariz perlu membayar sehingga RM147,000 untuk insuransnya, manakala Tan Wei Sheen hanya membayar sejumlah RM81,000. Maka, dari sini dapat dilihat bahawa Tan Wei Sheen dapat menjimatkan wang yang banyak berbanding Fariz apabila dia memilih untuk mempunyai insurans dari usia yang muda. <\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Jumlah_perlindungan_tinggi\"><\/span>2. Jumlah perlindungan tinggi<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Untuk makluman anda, anda sangat digalakkan untuk mengambil jumlah perlindungan untuk insurans sebanyak<a href=\"https:\/\/www.sinarharian.com.my\/article\/36628\/BISNES\/PMB-INVESTMENT\"> 10 kali ganda daripada gaji tahunan anda<\/a>.<\/p>\n\n\n\n<p>Sebagai contoh:&nbsp;<\/p>\n\n\n\n<p>Gaji bulanan:&nbsp; RM3,600<\/p>\n\n\n\n<p>Pendapatan tahunan : RM3,600 X 12 = RM43,200<\/p>\n\n\n\n<p>Justeru, jumlah perlindungan yang digalakkan untuk anda ambil adalah sebanyak RM432,000.00<\/p>\n\n\n\n<p>Anda mungkin membayar premium yang mahal kerana memiliki jumlah perlindungan yang lebih tinggi untuk pelan insurans nyawa anda.<\/p>\n\n\n\n<p>Jangan kerana anda tahu rakan sebaya anda hanya membayar RM180\/bulan untuk insurans, anda berasa tidak adil dan mula mempertikai premium insurans yang anda bayar selama ini.<\/p>\n\n\n\n<p>Anda perlu tahu, jumlah perlindungan yang dicadangkan untuk setiap individu adalah berbeza-beza. Ejen anda mungkin mencadangkan anda untuk mengambil insurans nyawa dengan jumlah perlindungan yang lebih tinggi kerana tahu anda berkemampuan (berdasarkan pendapatan dan komitmen bulanan anda).&nbsp;<\/p>\n\n\n\n<p>Berbanding rakan anda, dia mungkin memiliki insurans dengan jumlah perlindungan yang rendah sehingga menyebabkan premium yang dibayar lebih murah berbanding anda.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Pekerjaan_dan_gaya_hidup_anda\"><\/span>3. Pekerjaan dan gaya hidup anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda adalah penggemar bagi aktiviti lasak dan berisiko tinggi?<\/p>\n\n\n\n<p>Maka, kerana itulah premium insurans anda lebih tinggi berbanding mereka yang tidak mengamalkan gaya hidup yang berisiko tinggi. Sama juga dengan pekerjaan. Jika pekerjaan terkini anda bakal mendedahkan anda kepada sebarang risiko yang mampu membahayakan nyawa, maka secara tidak langsung anda juga akan dikenakan premium yang lebih tinggi.&nbsp;<\/p>\n\n\n\n<p>Antara jenis pekerjaan yang berisiko tinggi adalah pelumba kereta, juruterbang dan banyak lagi.<\/p>\n\n\n\n<p>Sekiranya anda mempunyai pekerjaan yang mendedahkan diri kepada sebarang risiko kemalangan, anda dinasihatkan untuk meneliti polisi dengan sebaiknya.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Anda_seorang_perokok\"><\/span>4. Anda seorang perokok<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, jika anda adalah seorang perokok, maka anda sememangnya akan membayar premium insurans yang lebih mahal. Ini kerana, anda akan lebih berisiko tinggi untuk menghidap pelbagai penyakit seperti penyakit jantung, kanser, strok dan hipertensi.<\/p>\n\n\n\n<p>Disebabkan oleh risiko itu, maka syarikat insurans akan mengenakan premium yang lebih tinggi untuk perokok berbanding mereka yang tidak merokok.&nbsp;<\/p>\n\n\n\n<p>Bagaimanapun, individu yang sudah tidak merokok selama 12 bulan tidak lagi dianggap sebagai perokok yang syarikat insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Syarat-syarat_pra_wujud\"><\/span>5. Syarat-syarat pra wujud<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Syarat-syarat pra wujud merupakan keadaan atau penyakit yang anda alami sebelum mendapatkan perlindungan insurans. Contoh, jika anda pernah atau sedang mempunyai masalah penyakit jantung, maka anda akan dikenakan premium yang lebih mahal.<\/p>\n\n\n\n<p>Ini kerana, risiko untuk individu yang pernah atau sedap menghidap penyakit seperti ini adalah tinggi. Namun anda perlu ingat, tidak semua syarikat insurans akan menawarkan perlindungan insurans kepada individu yang memiliki penyakit pra-wujud.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span>Kesimpulan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Setiap individu yang memiliki insurans pasti mempunyai premium yang berbeza-beza. Untuk mengelakkan anda dari membayar premium yang mahal, cubalah dapatkannya seawal yang boleh serta pastikan anda mengamalkan gaya hidup yang sihat supaya tidak mendedahkan diri kepada risiko kesihatan yang tidak baik.&nbsp;<\/p>\n\n\n\n<p>Ingat, waktu yang terbaik untuk anda miliki insurans adalah SEKARANG. Dapatkanlah pelan insurans yang bersesuaian dengan kemampuan anda melalui<a href=\"https:\/\/bjak.com\/life\/en\/\"> Bjak <\/a>hari ini. Jika terdapat sebarang kekeliruan, usah teragak-agak untuk bercakap dengan ejen tanpa komisen kami yang bersedia untuk membantu anda pada bila-bila masa.&nbsp;<\/p>\n\n\n\n<p>Rujukan:<\/p>\n\n\n\n<p><a href=\"https:\/\/www.sinarharian.com.my\/article\/36628\/BISNES\/PMB-INVESTMENT\">Sumber 1<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.ibanding.my\/6-faktor-yang-menyebabkan-premium-insurans-perubatan-anda-tinggi\/\">Sumber 2<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Kenapa premium untuk insurans saya lebih mahal ya?&#8221; Tahukah anda? Terdapat banyak faktor yang akan menentukan harga premium untuk insurans nyawa. Tidak semestinya anda sebaya dengan rakan anda, anda menganggap bahawa jumlah premium yang akan dibayar untuk insurans nyawa adalah sama dengannya. Anda tidak perlu berasa pelik atau ragu-ragu dengan perkara ini. Sebenarnya, terdapat beberapa&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">5 Perkara yang Menyebabkan Premium Insurans Mahal<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":4299,"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":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 Perkara yang Menyebabkan Premium Insurans Mahal | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: 5 Perkara yang Menyebabkan Premium Insurans Mahal\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Perkara yang Menyebabkan Premium Insurans Mahal | BJAK\" \/>\n<meta property=\"og:description\" content=\"BJAK | Read about: 5 Perkara yang Menyebabkan Premium Insurans Mahal\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-kereta\/5-perkara-yang-menyebabkan-premium-insurans-mahal\" \/>\n<meta property=\"og:site_name\" content=\"BJAK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/bjak.my\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-22T11:43:29+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-03T13:16:57+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/BeFunky-collage-55.jpg?fit=800%2C400&#038;ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:site\" content=\"@bjakmy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Athirah Hanapiah\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/bjak.my\/blog\/#organization\",\"name\":\"Bjak\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"sameAs\":[\"https:\/\/www.facebook.com\/bjak.my\",\"https:\/\/www.instagram.com\/bjak.my\",\"https:\/\/www.linkedin.com\/company\/14607755\/admin\/\",\"https:\/\/twitter.com\/bjakmy\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"contentUrl\":\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/09\/logo.png?fit=756%2C756&ssl=1\",\"width\":756,\"height\":756,\"caption\":\"Bjak\"},\"image\":{\"@id\":\"https:\/\/bjak.my\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bjak.my\/blog\/#website\",\"url\":\"https:\/\/bjak.my\/blog\/\",\"name\":\"BJAK\",\"description\":\"Renew your car and motor insurance at the lowest price! 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