{"id":44529,"date":"2023-12-28T11:05:00","date_gmt":"2023-12-28T03:05:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=44529"},"modified":"2023-12-22T23:09:05","modified_gmt":"2023-12-22T15:09:05","slug":"%e5%8f%8b%e9%82%a6%e8%bd%a6%e9%99%a9-%e7%a7%81%e5%ae%b6%e8%bd%a6%e7%bb%bc%e5%90%88%e4%bf%9d%e9%99%a9","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e5%8f%8b%e9%82%a6%e8%bd%a6%e9%99%a9-%e7%a7%81%e5%ae%b6%e8%bd%a6%e7%bb%bc%e5%90%88%e4%bf%9d%e9%99%a9","title":{"rendered":"\u53cb\u90a6\u8f66\u9669\u2014\u2014\u79c1\u5bb6\u8f66\u7efc\u5408\u4fdd\u9669"},"content":{"rendered":"\n<p>\u76f8\u4fe1\u5927\u90e8\u5206\u7684\u4eba\u90fd\u8ba4\u8bc6\u53cb\u90a6\u4fdd\u9669\uff08AIA\uff09\uff0c\u5b83\u662f\u4e00\u5bb6\u5907\u53d7\u8d5e\u8a89\u7684\u4fdd\u9669\u54c1\u724c\uff0c\u5c24\u5176\u5728\u8d2d\u4e70\u5065\u5eb7\u4fdd\u9669\u65f6\u5907\u53d7\u9752\u7750\u3002\u7136\u800c\uff0c\u60a8\u662f\u5426\u4e86\u89e3\u53cb\u90a6\u4fdd\u9669\u4e5f\u63d0\u4f9b\u6c7d\u8f66\u4fdd\u9669\u670d\u52a1\u5462\uff1f\u66f4\u503c\u5f97\u4e00\u63d0\u7684\u662f\uff0c\u53cb\u90a6\u4fdd\u9669\u5728\u5168\u56fd\u8303\u56f4\u5185\u90fd\u8bbe\u6709\u6388\u6743\u4fee\u8f66\u5382\u3002<\/p>\n\n\n\n<p>\u4eca\u5929\u5c31\u8ba9\u6211\u4eec\u548c\u60a8\u5206\u4eab\u53cb\u90a6\u4fdd\u9669\u7684\u8be6\u7ec6\u4fe1\u606f\uff0c\u5e76\u89e3\u91ca\u4e3a\u4f55\u8003\u8651\u5c06\u5176\u5217\u4e3a\u60a8\u4e0b\u4e00\u4e2a\u9996\u9009\u4fdd\u9669\u516c\u53f8\u662f\u660e\u667a\u4e4b\u4e3e\uff01<\/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-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background has-text-color has-background\" href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article202\" target=\"_blank\" rel=\"noreferrer noopener\">\u7d22\u53d6\u62a5\u4ef7<\/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-69d7ce288b7b9\" 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-69d7ce288b7b9\"><\/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\/%e5%8f%8b%e9%82%a6%e8%bd%a6%e9%99%a9-%e7%a7%81%e5%ae%b6%e8%bd%a6%e7%bb%bc%e5%90%88%e4%bf%9d%e9%99%a9\/#%E4%B8%BB%E8%A6%81%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%A6%8F%E5%88%A9\" title=\"\u4e3b\u8981\u6c7d\u8f66\u4fdd\u9669\u798f\u5229\">\u4e3b\u8981\u6c7d\u8f66\u4fdd\u9669\u798f\u5229<\/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\/%e5%8f%8b%e9%82%a6%e8%bd%a6%e9%99%a9-%e7%a7%81%e5%ae%b6%e8%bd%a6%e7%bb%bc%e5%90%88%e4%bf%9d%e9%99%a9\/#%E9%99%84%E5%8A%A0%E4%BF%9D%E9%9A%9C\" title=\"\u9644\u52a0\u4fdd\u969c\">\u9644\u52a0\u4fdd\u969c<\/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\/%e5%8f%8b%e9%82%a6%e8%bd%a6%e9%99%a9-%e7%a7%81%e5%ae%b6%e8%bd%a6%e7%bb%bc%e5%90%88%e4%bf%9d%e9%99%a9\/#%E9%99%A4%E5%A4%96%E8%B4%A3%E4%BB%BB\" title=\"\u9664\u5916\u8d23\u4efb\">\u9664\u5916\u8d23\u4efb<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E4%B8%BB%E8%A6%81%E6%B1%BD%E8%BD%A6%E4%BF%9D%E9%99%A9%E7%A6%8F%E5%88%A9\"><\/span><strong>\u4e3b\u8981\u6c7d\u8f66\u4fdd\u9669\u798f\u5229<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>1. \u4fdd\u969c\u60a8\u7684\u7231\u8f66<\/strong><\/p>\n\n\n\n<p>\u4e00\u65e6\u60a8\u7684\u6c7d\u8f66\u906d\u9047\u610f\u5916\u4e8b\u6545\u3001\u76d7\u7a83\u6216\u706b\u707e\u9020\u6210\u7684\u635f\u5931\u6216\u635f\u574f\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4e00\u6b21\u6027\u8d54\u4ed8\u60a8\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p><strong>2. \u4ed6\u4eba\u8d22\u4ea7\u635f\u5931\u6216\u635f\u574f\u8d54\u507f<\/strong><\/p>\n\n\n\n<p>\u5728\u60a8\u9a7e\u9a76\u9014\u4e2d\u53d1\u751f\u7684\u4e8b\u6545\u4e2d\uff0c\u5982\u679c\u5bfc\u81f4\u4ed6\u4eba\u8d22\u4ea7\u635f\u5931\u6216\u635f\u574f\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u4e3a\u60a8\u8d54\u507f\u5bf9\u65b9\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p><strong>3. \u4ed6\u4eba\u4f24\u4ea1\u8d54\u507f<\/strong><\/p>\n\n\n\n<p>\u82e5\u60a8\u9a7e\u8f66\u5f15\u53d1\u7684\u4e8b\u6545\u5bfc\u81f4\u4ed6\u4eba\u53d7\u4f24\u6216\u6b7b\u4ea1\uff0c\u6211\u4eec\u5c06\u4e3a\u60a8\u8d54\u507f\u5bf9\u65b9\u7684\u76f8\u5173\u8d39\u7528\u3002<\/p>\n\n\n\n<p><strong>4. \u591a\u6837\u5316\u4fdd\u9669\u9009\u9879<\/strong><\/p>\n\n\n\n<p>\u4e3a\u4e86\u63d0\u4f9b\u66f4\u5168\u9762\u7684\u4fdd\u969c\uff0c\u4ee5\u51cf\u8f7b\u610f\u5916\u4e8b\u4ef6\u53ef\u80fd\u5e26\u6765\u7684\u7ecf\u6d4e\u8d1f\u62c5\uff0c\u60a8\u53ef\u4ee5\u5728\u914d\u5957\u4e2d\u9009\u62e9\u6dfb\u52a0\u989d\u5916\u7684\u81ea\u9009\u4fdd\u969c\u3002<\/p>\n\n\n\n<p><strong>5. \u53cb\u90a6\u9053\u8def\u652f\u63f4<\/strong><\/p>\n\n\n\n<p>\u201c\u53cb\u90a6\u9053\u8def\u652f\u63f4\u201d\u4e3a\u60a8\u63d0\u4f9b\u5168\u5e7424\u5c0f\u65f6\u7684\u652f\u63f4\u670d\u52a1\uff0c\u786e\u4fdd\u8f66\u4e3b\u6216\u53f8\u673a\u5728\u4efb\u4f55\u65f6\u5019\u90fd\u80fd\u591f\u5b89\u5168\u62b5\u8fbe\u76ee\u7684\u5730\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"43635\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/special-perils-coverage-2\/attachment\/aiagettyimages-1333748557-1\" data-orig-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?fit=1024%2C683&amp;ssl=1\" data-orig-size=\"1024,683\" 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=\"AIAGettyImages-1333748557-1\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?fit=1024%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"683\" src=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?resize=1024%2C683&#038;ssl=1\" alt=\"\" class=\"wp-image-43635\" srcset=\"https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?w=1024&amp;ssl=1 1024w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i1.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/10\/AIAGettyImages-1333748557-1.jpeg?resize=930%2C620&amp;ssl=1 930w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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=\"%E9%99%84%E5%8A%A0%E4%BF%9D%E9%9A%9C\"><\/span><strong>\u9644\u52a0\u4fdd\u969c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e3a\u4e86\u8fdb\u4e00\u6b65\u589e\u5f3a\u60a8\u7231\u8f66\u7684\u4fdd\u969c\uff0c\u60a8\u53ef\u4ee5\u901a\u8fc7\u652f\u4ed8\u989d\u5916\u4fdd\u8d39\u9009\u62e9\u4ee5\u4e0b\u9644\u52a0\u4fdd\u969c\u9009\u9879\uff1a<\/p>\n\n\n\n<p>&#8211; \u6c7d\u8f66\u5927\u955c\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u81ea\u7136\u707e\u5bb3\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u9a9a\u4e71\u6216\u6c11\u4e8b\u7834\u574f\u4fdd\u969c<\/p>\n\n\n\n<p>&#8211; \u5bf9\u4e58\u5ba2\u7684\u6cd5\u5f8b\u8d23\u4efb<\/p>\n\n\n\n<p>&#8211; \u5168\u53f8\u673a\u4fdd\u969c\uff08\u9002\u5408\u516c\u53f8\u8f66\u8f86\uff09<\/p>\n\n\n\n<p>&#8211; \u8bc4\u4f30\u7ef4\u4fee\u65f6\u95f4\u4fdd\u969c\uff08CART\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"5862\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/jenis-jenis-perlindungan-tambahan-untuk-insurans-kereta\/attachment\/image-3_-pemandu-tambahan\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?fit=1600%2C900&amp;ssl=1\" data-orig-size=\"1600,900\" 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=\"Additional driver coverage\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?fit=1024%2C576&amp;ssl=1\" loading=\"lazy\" width=\"1024\" height=\"576\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=1024%2C576&#038;ssl=1\" alt=\"Additional driver coverage\" class=\"wp-image-5862\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Image-3_-Pemandu-tambahan.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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=\"%E9%99%A4%E5%A4%96%E8%B4%A3%E4%BB%BB\"><\/span><strong>\u9664\u5916\u8d23\u4efb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4e0e\u5176\u5b83\u4fdd\u9669\u4e00\u6837\uff0c\u53cb\u90a6\u6c7d\u8f66\u4fdd\u9669\u540c\u6837\u5728\u627f\u5305\u8303\u56f4\u4e4b\u5916\u6392\u9664\u4e86\u4e00\u4e9b\u4e8b\u4ef6\uff0c\u56e0\u4ee5\u4e0b\u4e8b\u4ef6\u5bfc\u81f4\u7684\u635f\u5931\u6216\u635f\u574f\uff0c\u5c06\u65e0\u6cd5\u5728\u672c\u4fdd\u5355\u4e0b\u63d0\u51fa\u7d22\u8d54\uff1a<\/p>\n\n\n\n<p>&#8211; 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