{"id":4499,"date":"2021-09-28T18:34:47","date_gmt":"2021-09-28T10:34:47","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=4499"},"modified":"2025-11-05T17:12:45","modified_gmt":"2025-11-05T09:12:45","slug":"insurans-apa-yang-perlu-diambil-oleh-fresh-grads","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads","title":{"rendered":"Insurans apa yang perlu diambil oleh &#8216;Fresh Grads&#8217;?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/s3media.freemalaysiatoday.com\/wp-content\/uploads\/2021\/01\/protect-insurance-lifestyle-2212021.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Insurans adalah bahagian penting dalam perancangan kewangan kita dimana ia dapat membantu kita mempersiapkan diri sekiranya terjadi perkara yang tidak diingini. Meskipun anda seorang graduan dan baru memulakan pekerjaan pertama, anda harus mempertimbangkan insurans dalam perancangan kewangan anda.<\/p>\n\n\n\n<p>Adakah anda merasakan tidak perlukan insurans kerana anda masih mempunyai kesihatan yang baik? Fikirkan semula. Bagaimana jika terjadi sesuatu pada masa hadapan yang boleh memberi kesan negatif kepada kesihatan anda? Anda memerlukan penjagaan rapi, bayaran untuk perbelanjaan hospital tetapi kosnya terlalu tinggi? Adakah tabungan anda sudah mencukupi?<\/p>\n\n\n\n<p>Belia adalah masa yang tepat untuk membina kewangan asas anda. Tahukah anda bahawa insurans adalah jauh lebih murah ketika anda muda!<\/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-69deac412ddd8\" 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-69deac412ddd8\"><\/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-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\/#Ketahui_tujuan_anda_semasa_membeli_insurans\" title=\"Ketahui tujuan anda semasa membeli insurans\">Ketahui tujuan anda semasa membeli 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-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\/#Perlindungan_insurans_apa_yang_anda_perlu_pertimbangkan\" title=\"Perlindungan insurans apa yang anda perlu pertimbangkan?\">Perlindungan insurans apa yang anda perlu pertimbangkan?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\/#Insurans_perubatan\" title=\"Insurans perubatan\">Insurans perubatan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\/#Insurans_nyawa\" title=\"Insurans nyawa\">Insurans nyawa<\/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\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\/#Perlindungan_Penyakit_Kritikal\" title=\"Perlindungan Penyakit Kritikal&nbsp;\">Perlindungan Penyakit Kritikal&nbsp;<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Ketahui_tujuan_anda_semasa_membeli_insurans\"><\/span>Ketahui tujuan anda semasa membeli insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Anda perlu tahu apa yang anda ingin dapatkan. Membeli insurans bermaksud anda melindungi diri anda daripada berlaku kemungkinan kejadian yang tidak diingini pada masa akan datang.<\/p>\n\n\n\n<p>Ia termasuk &#8212; membayar bil perubatan, perbelanjaan kemasukan ke hospital ataupun sekiranya anda kehilangan sumber pendapatan jika didiagnosis dengan penyakit kritikal, kecacatan atau kematian yang tidak dijangka.<\/p>\n\n\n\n<p>Dengan <a href=\"https:\/\/jobmajestic.com\/blog\/en\/fresh-graduate-salary-in-malaysia\/\">purata gaji graduan<\/a> beranggaran RM2,400 sebulan, anda mungkin ingin pertimbangkan untuk membeli polisi insurans yang tepat.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Perlindungan_insurans_apa_yang_anda_perlu_pertimbangkan\"><\/span>Perlindungan insurans apa yang anda perlu pertimbangkan?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ya, ia bukanlah suatu perkara yang mudah bagi para graduan yang tidak mempunyai kefahaman yang luas mengenai jenis-jenis insurans yang ada. Oleh itu, mereka mungkin akan terus membeli tanpa membuat kajian menyeluruh terlebih dahulu. Itu tidak betul.<\/p>\n\n\n\n<p>Perlindungan insurans boleh menjadi pelaburan jangka panjang anda, oleh itu anda harus pastikan yang anda tahu apa yang anda beli. Disini, kami sertakan beberapa insurans yang anda boleh pertimbangkan untuk dibeli!<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Insurans_perubatan\"><\/span>Insurans perubatan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/www.studying-in-germany.org\/wp-content\/uploads\/2019\/05\/proof-of-student-health-insurance.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Bagi kebanyakan graduan yang baru sahaja memulakan perjalanan ke alam pekerjaan, penting untuk anda pastikan kesihatan yang baik agar karier anda tidak terganggu dengan masalah kesihatan. <\/p>\n\n\n\n<p>Sejajar dengan <a href=\"https:\/\/focusmalaysia.my\/malaysia-may-see-soaring-healthcare-cost\/\">kenaikan kos perubatan di Malaysia<\/a>, insurans perubatan membantu menanggung perbelanjaan perubatan dan pembedahan seseorang individu.<\/p>\n\n\n\n<ul><li>Kad perubatan: menanggung kos perubatan dan pembedahan<\/li><li>Insurans penyakit kritikal: bayaran dibuat dalam bentuk sekaligus (lump sum) kepada pemegang polisi selepas didiagnosis dengan penyakit serius<\/li><li>Insurans pendapatan kurang upaya: menyediakan pendapatan tambahan sekiranya berlaku sesuatu yang menyebabkan anda kehilangan upaya untuk bekerja<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Insurans_nyawa\"><\/span>Insurans nyawa<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/sm.mashable.com\/t\/mashable_in\/photo\/default\/life-insurance-kotak-1_zhsq.h960.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Insurans nyawa adalah insurans yang perlu dipertimbangkan untuk keluarga anda. Tambahan pula jika anda merupakan satu-satunya tulang belakang dalam keluarga (sekiranya anda mempunyai tanggungan atau tunggakan liabiliti).<\/p>\n\n\n\n<p>Di sini, anda boleh merasa lega mengetahui bahawa keluarga anda akan mendapat bantuan kewangan sekiranya anda meninggal dunia ataupun didiagnosis dengan penyakit yang menyebabkan anda kehilangan upaya secara kekal (PTD). Anda boleh pastikan keluarga anda mempunyai kestabilan kewangan apabila ketiadaan anda (perbelanjaan harian, membayar yuran pelajaran, melunaskan hutang) ataupun perbelanjaan penjagaan dan perubatan untuk menjaga anda sekiranya anda kehilangan upaya secara kekal.<\/p>\n\n\n\n<p>Anda mempunyai dua pilihan untuk memilih insurans hayat iaitu:<\/p>\n\n\n\n<ul><li>Insurans nyawa bertempoh: memberi perlindungan untuk tempoh waktu yang tertentu (kebiasaannya 30 tahun)<\/li><li>Insurans nyawa: memberi perlindungan seumur hidup dengan komponen nilai tunai<\/li><\/ul>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Perlindungan_Penyakit_Kritikal\"><\/span>Perlindungan Penyakit Kritikal&nbsp;<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-image size-large is-resized\"><img loading=\"lazy\" src=\"https:\/\/i2.wp.com\/www.greateasternlife.com\/content\/dam\/dmassets\/great-eastern\/singapore\/gels-ftrp-imc-cm\/content-articles\/mpci\/gels-pdt-pd-ms.jpeg?resize=665%2C377&#038;ssl=1\" alt=\"\" width=\"665\" height=\"377\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>Anda akan dibayar secara sekaligus (lump sum) sekiranya anda didiagnosis diantara <a href=\"https:\/\/ringgitplus.com\/en\/health-insurance\/critical-illness\/\">36 jenis penyakit kritikal<\/a>, yang kebiasaannya dilindungi oleh kebanyakan polisi insurans.<\/p>\n\n\n\n<p>Pemegang polisi boleh memilih cara untuk menggunakan bayaran sekaligus tersebut, memandangkan ia tidak terhad kepada rawatan perubatan sahaja.<\/p>\n\n\n\n<p>&#8212;-<\/p>\n\n\n\n<p>Normal jika anda tidak biasa dengan mana-mana terma yang disebutkan dalam insurans. Tetapi anda perlu tahu perkara asas, untuk pastikan yang anda tahu apa yang anda cari ketika bercakap dengan syarikat insurans.<\/p>\n\n\n\n<p>Sama ada insurans perubatan, insurans nyawa atau insurans penyakit kritikal, anda perlu tahu apa yang anda beli, pastikan anda tidak terlebih perlindungan bagi mengelakkan kerugian dan premium yang tinggi dalam masa akan datang.<\/p>\n\n\n\n<p>Sekiranya anda memerlukan penjelasan lanjut mengenai sebarang polisi insurans, hubungi ejen kami di <a href=\"https:\/\/bjak.com\/life\/ms\/\">Bjak<\/a>! Kami sedia membantu anda mencari dan memilih pelan insurans yang terbaik sesuai dengan bajet dan keperluan anda.<\/p>\n\n\n\n<p>(Sumber: <a href=\"https:\/\/bjak.com\/blog\/wp-admin\/post.php?post=3554&amp;action=edit\">purata gaji graduan<\/a>, <a href=\"https:\/\/focusmalaysia.my\/malaysia-may-see-soaring-healthcare-cost\/\">Focus MY<\/a>)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Insurans adalah bahagian penting dalam perancangan kewangan kita dimana ia dapat membantu kita mempersiapkan diri sekiranya terjadi perkara yang tidak diingini. Meskipun anda seorang graduan dan baru memulakan pekerjaan pertama, anda harus mempertimbangkan insurans dalam perancangan kewangan anda. Adakah anda merasakan tidak perlukan insurans kerana anda masih mempunyai kesihatan yang baik? Fikirkan semula. Bagaimana jika&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Insurans apa yang perlu diambil oleh &#8216;Fresh Grads&#8217;?<\/span><\/a><\/p>\n","protected":false},"author":7,"featured_media":0,"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":[351],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Insurans apa yang perlu diambil oleh &#039;Fresh Grads&#039;? | BJAK<\/title>\n<meta name=\"description\" content=\"Anda harus mempertimbangkan insurans dalam perancangan kewangan anda meskipun anda seorang graduan dan baru memulakan pekerjaan pertama\" \/>\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-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurans apa yang perlu diambil oleh &#039;Fresh Grads&#039;? | BJAK\" \/>\n<meta property=\"og:description\" content=\"Anda harus mempertimbangkan insurans dalam perancangan kewangan anda meskipun anda seorang graduan dan baru memulakan pekerjaan pertama\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bjak.my\/blog\/insurans-nyawa-dan-perubatan\/insurans-apa-yang-perlu-diambil-oleh-fresh-grads\" \/>\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=\"2021-09-28T10:34:47+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-05T09:12:45+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/s3media.freemalaysiatoday.com\/wp-content\/uploads\/2021\/01\/protect-insurance-lifestyle-2212021.jpg\" \/>\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=\"Nurul\" \/>\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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