{"id":43544,"date":"2023-10-26T14:12:00","date_gmt":"2023-10-26T06:12:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=43544"},"modified":"2023-10-19T18:17:50","modified_gmt":"2023-10-19T10:17:50","slug":"%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f","title":{"rendered":"\u6709\u4e86\u6c7d\u8f66\u4fdd\u9669\uff0c\u8fd8\u9700\u8981\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u5417\uff1f"},"content":{"rendered":"\n<p>\u201c\u5982\u679c\u8def\u4e0a\u53d1\u751f\u610f\u5916\u53d7\u4f24\uff0c\u6c7d\u8f66\u4fdd\u9669\u4f1a\u8d54\u507f\u5417\uff1f\u201d<\/p>\n\n\n\n<p>\u9047\u5230\u8fd9\u6837\u7684\u60c5\u51b5\uff0c\u5230\u5e95\u662f\u6c7d\u8f66\u4fdd\u9669\u8fd8\u662f\u4eba\u8eab\u610f\u5916\u4fdd\u9669\u63d0\u4f9b\u4fdd\u969c\u5462\uff1f\u6709\u4e9b\u4eba\u81f3\u4eca\u4f9d\u7136\u4e0d\u6e05\u695a\u8fd9\u4e24\u4e2a\u4fdd\u9669\u7684\u4fdd\u969c\u5f62\u5f0f\uff0c\u56e0\u6b64\u672c\u6587\u5c06\u548c\u5927\u5bb6\u89e3\u91ca\u4e00\u4e0b\u8fd9\u4e24\u79cd\u4fdd\u9669\u6709\u4ec0\u4e48\u4e0d\u540c\u4e4b\u5904\u3002<\/p>\n\n\n\n<div 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href=\"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u6c7d\u8f66\u4fdd\u9669\uff1f\">\u4ec0\u4e48\u662f\u6c7d\u8f66\u4fdd\u9669\uff1f<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\uff1f\">\u4ec0\u4e48\u662f\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\uff1f<\/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\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%92%8C%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%E7%9A%84%E4%B8%8D%E5%90%8C%E4%B9%8B%E5%A4%84\" title=\"\u6c7d\u8f66\u4fdd\u9669\u548c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u7684\u4e0d\u540c\u4e4b\u5904\">\u6c7d\u8f66\u4fdd\u9669\u548c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u7684\u4e0d\u540c\u4e4b\u5904<\/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\/%e6%9c%89%e4%ba%86%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9%ef%bc%8c%e8%bf%98%e9%9c%80%e8%a6%81%e4%b8%aa%e4%ba%ba%e6%84%8f%e5%a4%96%e4%bf%9d%e9%99%a9%e5%90%97%ef%bc%9f\/#%E8%AE%A9%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%E4%B8%BA%E6%82%A8%E4%BF%9D%E9%A9%BE%E6%8A%A4%E8%88%AA\" title=\"\u8ba9\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u4e3a\u60a8\u4fdd\u9a7e\u62a4\u822a\">\u8ba9\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u4e3a\u60a8\u4fdd\u9a7e\u62a4\u822a<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BB%80%E4%B9%88%E6%98%AF%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u6c7d\u8f66\u4fdd\u9669\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u6bcf\u4f4d\u8f66\u4e3b\u90fd\u5fc5\u987b\u786e\u4fdd\u5176\u6c7d\u8f66\u4fdd\u9669\u7684\u6709\u6548\u6027\uff0c\u4ee5\u4fbf\u5728\u8def\u4e0a\u5408\u6cd5\u884c\u9a76\u3002\u5982\u679c\u88ab\u53d1\u73b0\u5728\u6ca1\u6709\u6709\u6548\u4fdd\u9669\u7684\u60c5\u51b5\u4e0b\u5f00\u8f66\uff0c\u5c06\u4f1a\u88ab\u6267\u6cd5\u5f53\u5c40\u5f00\u7f5a\u5355\u3002<\/p>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u53ef\u5206\u6210\uff1a<\/p>\n\n\n\n<p><strong>1. \u7efc\u5408\u578b\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p>\u63d0\u4f9b\u6700\u5b8c\u5584\u7684\u4fdd\u969c\uff0c\u5305\u62ec\u7b2c\u4e09\u65b9\u3001\u5931\u706b\u53ca\u5931\u7a83\uff0c\u4e5f\u63d0\u4f9b\u4fdd\u969c\u4e88\u60a8\u7684\u8f66\u5b50\u56e0\u610f\u5916\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f\u3002\u8fd9\u7c7b\u4fdd\u9669\u9002\u7528\u4e8e\u8f66\u9f84\u672a\u8d85\u8fc710\u5e74\u7684\u8f66\u5b50\u3002<\/p>\n\n\n\n<p><strong>2. \u7b2c\u4e09\u65b9\u4fdd\u9669\u3001\u5931\u706b\u53ca\u5931\u7a83\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p>\u5982\u679c\u60a8\u7684\u8f66\u5b50\u906d\u53d7\u610f\u5916\u5931\u706b\u6216\u5931\u7a83\uff0c\u60a8\u90fd\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u8d54\u3002\u6b64\u5916\uff0c\u8fd9\u4efd\u4fdd\u5355\u4e5f\u5c06\u4fdd\u969c\u7b2c\u4e09\u65b9\u5728\u8d22\u52a1\u4e0a\u7684\u635f\u5931\u6216\u635f\u574f\uff0c\u5305\u62ec\u60a8\u6240\u9020\u6210\u7b2c\u4e09\u65b9\u7684\u53d7\u4f24\u6216\u6b7b\u4ea1\u3002\u4e0d\u8fc7\uff0c\u8fd9\u4efd\u4fdd\u5355\u5e76\u4e0d\u4fdd\u969c\u60a8\u8f66\u5b50\u56e0\u610f\u5916\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f\u3002<\/p>\n\n\n\n<p><strong>3. \u7b2c\u4e09\u65b9\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p>\u8fd9\u662f\u6700\u57fa\u672c\u7684\u4fdd\u9669\uff0c\u53ea\u4fdd\u969c\u56e0\u4e3a\u6295\u4fdd\u8005\u800c\u906d\u53d7\u635f\u5931\u7684\u7b2c\u4e09\u65b9\u3002\u7531\u4e8e\u5b83\u53ea\u9002\u7528\u4e8e\u7b2c\u4e09\u65b9\u7d22\u8d54\uff0c\u6240\u4ee5\u60a8\u672c\u8eab\u8f66\u5b50\u7684\u7ef4\u4fee\u8d39\uff0c\u5c31\u9700\u8981\u81ea\u638f\u8170\u5305\u4e86\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"42726\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/zurich-car-insurance\/attachment\/personal_accident_two_column_1\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?fit=1101%2C770&amp;ssl=1\" data-orig-size=\"1101,770\" 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=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?fit=300%2C210&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?fit=1080%2C755&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"755\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?resize=1080%2C755&#038;ssl=1\" alt=\"Zurich insurance for accident\" class=\"wp-image-42726\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?resize=1080%2C755&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?resize=300%2C210&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?resize=768%2C537&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/09\/Personal_Accident_Two_Column_1.jpg?w=1101&amp;ssl=1 1101w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%BB%80%E4%B9%88%E6%98%AF%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0e\u6c7d\u8f66\u4fdd\u9669\u76f8\u6bd4\uff0c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u662f\u53ef\u4ee5\u81ea\u7531\u9009\u62e9\u662f\u5426\u9700\u8981\u8d2d\u4e70\u3002\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u662f\u4e00\u79cd\u5e74\u5ea6\u4fdd\u5355\uff0c\u4ec5\u56e0\u66b4\u529b\u3001\u610f\u5916\u3001\u5916\u90e8\u548c\u53ef\u89c1\u4e8b\u4ef6\u9020\u6210\u7684\u4f24\u5bb3\u3001\u6b8b\u75be\u6216\u6b7b\u4ea1\u63d0\u4f9b\u6295\u4fdd\u8005\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u60a8\u53ef\u4ee5\u5728\u7efc\u5408\u578b\u4fdd\u9669\u4e2d\u6dfb\u52a0\u989d\u5916\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u3002\u6bcf\u5bb6\u4fdd\u9669\u516c\u53f8\u6536\u53d6\u7684\u4fdd\u8d39\u4e0d\u540c\uff0c\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u751a\u81f3\u4f1a\u63d0\u4f9b\u514d\u8d39\u7684\u4e2a\u4eba\u610f\u5916\u4fdd\u969c\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E5%92%8C%E4%B8%AA%E4%BA%BA%E6%84%8F%E5%A4%96%E4%BF%9D%E9%99%A9%E7%9A%84%E4%B8%8D%E5%90%8C%E4%B9%8B%E5%A4%84\"><\/span><strong>\u6c7d\u8f66\u4fdd\u9669\u548c\u4e2a\u4eba\u610f\u5916\u4fdd\u9669\u7684\u4e0d\u540c\u4e4b\u5904<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u6c7d\u8f66\u4fdd\u9669<\/strong><\/td><td><strong>\u4e2a\u4eba\u610f\u5916\u4fdd\u9669<\/strong><\/td><\/tr><tr><td>\u8f66\u4e3b\u5fc5\u987b\u6295\u4fdd<\/td><td>\u53ef\u9009\u62e9\u662f\u5426\u8981\u6295\u4fdd<\/td><\/tr><tr><td>\u6bcf\u5e74\u7eed\u4fdd<\/td><td>\u65e0\u9700\u6bcf\u5e74\u7eed\u4fdd<\/td><\/tr><tr><td>\u4e0d\u627f\u62c5\u56e0\u610f\u5916\u9020\u6210\u7684\u4eba\u8eab\u4f24\u4ea1<\/td><td>\u627f\u4fdd\u56e0\u610f\u5916\u9020\u6210\u7684\u4eba\u8eab\u4f24\u4ea1<\/td><\/tr><tr><td>\u4e0b\u4e00\u5e74\u4fdd\u8d39\u4f1a\u66f4\u4fbf\u5b9c\uff08NCD\u4f18\u60e0\uff09<\/td><td>\u4fdd\u8d39\u4e0d\u4f1a\u51cf\u5c11<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" 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