{"id":466,"date":"2021-08-17T15:16:18","date_gmt":"2021-08-17T07:16:18","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=466"},"modified":"2025-11-03T21:17:12","modified_gmt":"2025-11-03T13:17:12","slug":"takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini","title":{"rendered":"Takut Rasa Terbeban Nak Ada Insurans? Ikut 5 Tips Ini"},"content":{"rendered":"\n<p><em>&#8220;Aku tak mampu lagi la nak bayar insurans RM200 lebih setiap bulan. Banyak lagi komitmen lain aku kena bayar ni.&#8221;<\/em><\/p>\n\n\n\n<p>Ya, tidak semua orang mampu untuk memiliki perlindungan insurans. Segelintir individu mungkin merasakan bahawa memiliki insurans bukan satu perkara yang perlu diutamakan. Dengan komitmen sedia ada yang sudah terlalu banyak, maka hasrat untuk mendapatkan perlindungan insurans perlu diketepikan terlebih dahulu agar diri tidak merasa terlalu terbeban.<\/p>\n\n\n\n<p>Namun, anda perlu ingat, insurans bakal membantu mengurangkan beban kewangan anda apabila berlaku sesuatu kelak. Dengan perancangan kewangan yang baik, tidak mustahil anda juga boleh mendapatkan perlindungan insurans meskipun mempunyai pendapatan yang &#8216;cukup-cukup makan&#8217;.<\/p>\n\n\n\n<p>Justeru, kali ini kami kongsikan beberapa cara atau tips untuk memastikan anda tidak berasa terbeban bagi mendapatkan insurans. <\/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-69d742179f80e\" 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-69d742179f80e\"><\/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\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\/#1_Asingkan_duit_gaji_belanjakan_sekurang-kurangnya_10_untuk_insurans\" title=\"#1 Asingkan duit gaji, belanjakan sekurang-kurangnya 10% untuk insurans\">#1 Asingkan duit gaji, belanjakan sekurang-kurangnya 10% untuk 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\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\/#2_Ubah_%E2%80%98mindset%E2%80%99_anggap_insurans_untuk_kesenangan_masa_depan\" title=\"#2 Ubah \u2018mindset\u2019, anggap insurans untuk kesenangan masa depan\">#2 Ubah \u2018mindset\u2019, anggap insurans untuk kesenangan masa depan<\/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\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\/#3_Beli_insurans_yang_dirasakan_perlu_sahaja\" title=\"#3 Beli insurans yang dirasakan perlu sahaja\">#3 Beli insurans yang dirasakan perlu sahaja<\/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\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\/#4_Cari_perlindungan_insurans_dengan_pelan_terbaik_mengikut_bajet_anda\" title=\"#4 Cari perlindungan insurans dengan pelan terbaik mengikut bajet anda\">#4 Cari perlindungan insurans dengan pelan terbaik mengikut bajet anda<\/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\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\/#5_Beli_insurans_dari_usia_yang_lebih_muda\" title=\"#5 Beli insurans dari usia yang lebih muda\">#5 Beli insurans dari usia yang lebih muda<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"1_Asingkan_duit_gaji_belanjakan_sekurang-kurangnya_10_untuk_insurans\"><\/span>#1 Asingkan duit gaji, belanjakan sekurang-kurangnya 10% untuk insurans<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/www.thevocket.com\/app\/uploads\/2016\/10\/saving-mistakes.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Elak dari menjadi seorang yang boros. Didik diri untuk membelanjakan wang anda ke tempat yang perlu sahaja. Seeloknya, asingkan pendapatan sekurang-kurangnya 10% khas untuk insurans demi masa depan anda. <\/p>\n\n\n\n<p>Anda juga boleh menggunakan formula dengan nisbah 70:30 iaitu:<\/p>\n\n\n\n<ul><li><strong>70% untuk perbelanjaan harian<\/strong> termasuk makanan, minyak kereta (untuk yang mempunyai kereta) dan komitmen bulanan (seperti ansuran bulanan kereta, bil telefon);<\/li><\/ul>\n\n\n\n<ul><li>Manakala baki <strong>30% lagi untuk wang simpanan<\/strong> anda (10%), <strong>simpanan kecemasan <\/strong>(10%) dan<strong> perlindungan insurans<\/strong> (10%).&nbsp;<\/li><\/ul>\n\n\n\n<p>10% yang dikhaskan untuk insurans anda adalah tidak banyak. Cuba cari pakej perlindungan insurans yang bersesuaian dengan umur dan bajet anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Ubah_%E2%80%98mindset%E2%80%99_anggap_insurans_untuk_kesenangan_masa_depan\"><\/span><strong>#2<\/strong> Ubah \u2018mindset\u2019, anggap insurans untuk kesenangan masa depan<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i1.wp.com\/epe.brightspotcdn.com\/fe\/07\/623f04754f06aff6f4b323fcedc9\/growth-mindset-042021-1185654371.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Pasti ramai yang masih menganggap bahawa keperluan untuk memiliki dan membayar insurans pada setiap bulan adalah membebankan. Mana tidaknya, dengan komitmen lain yang ada, memiliki insurans seolah-olah bukan satu keutamaan buat diri sendiri.<\/p>\n\n\n\n<p>Betulkan semula pemikiran anda itu. Cuba lihat dari sudut yang lebih positif dan sedar akan kepentingan memiliki insurans. Jika anda rasa terlalu keberatan untuk memiliki insurans, cuba lakukan \u2018kajian\u2019 dan lihat sendiri apakah kelebihan yang bakal anda peroleh apabila membeli perlindungan insurans untuk diri anda.&nbsp;<\/p>\n\n\n\n<p>Satu perkara yang pasti, dengan adanya perlindungan insurans, ia akan membantu anda dan keluarga terutamanya dari segi kewangan kelak.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Beli_insurans_yang_dirasakan_perlu_sahaja\"><\/span><strong>#3<\/strong> Beli insurans yang dirasakan perlu sahaja<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/s3media.freemalaysiatoday.com\/wp-content\/uploads\/2020\/10\/lifestyle-coverage-insurance-rawpixel-emel-pic-151020.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Selain perlindungan insurans kereta (yang sememangnya wajib untuk pemilik kenderaan ada), anda boleh memilih untuk membeli mana-mana insurans yang dirasakan perlu sahaja untuk mengelak daripada berasa terlalu terbeban.&nbsp;<\/p>\n\n\n\n<p>Bak kata pepatah, ukur baju di badan sendiri. Jangan beli melebihi kemampuan anda. Jika takut untuk rasa terlalu terbeban, sebaiknya belilah salah satu insurans yang penting seperti insurans hayat atau insurans perubatan untuk diri anda. Apa yang penting, dapatkan perlindungan insurans mengikut bajet dan kemampuan bulanan anda.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"4_Cari_perlindungan_insurans_dengan_pelan_terbaik_mengikut_bajet_anda\"><\/span><strong>#4<\/strong> Cari perlindungan insurans dengan pelan terbaik mengikut bajet anda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i2.wp.com\/stitchdx.com\/wp-content\/uploads\/2020\/10\/businessman-accountant-making-notes-at-report-doing-finances-and-calculate-about-cost-of-investment_t20_B8mdW8-scaled.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Sebelum membeli insurans, lakukan beberapa \u2018kajian\u2019 untuk anda lihat dulu insurans terbaik yang bersesuaian dengan bajet bulanan anda. Elakkan daripada membeli pakej\/ pelan yang jauh di luar kemampuan anda kerana ia pasti akan memberi beban yang besar buat diri sendiri.<\/p>\n\n\n\n<p>Cuba nilai dan bandingkan harga serta perlindungan yang ditawarkan oleh setiap syarikat insurans. Jangan terburu-buru untuk membuat keputusan dan dapatkan nasihat daripada individu yang lebih arif mengenai insurans seperti pihak agen sebelum membeli insurans.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"5_Beli_insurans_dari_usia_yang_lebih_muda\"><\/span><strong>#5<\/strong> Beli insurans dari usia yang lebih muda<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img src=\"https:\/\/i0.wp.com\/www.bd24live.com\/bangla\/uploads\/news\/2015\/09\/Hand-Shake.jpg?w=1200&#038;ssl=1\" alt=\"\" data-recalc-dims=\"1\"\/><\/figure>\n\n\n\n<p>Satu konsep yang anda perlu tahu dalam pembelian insurans ini adalah <strong>semakin awal anda membelinya, semakin murah harga yang anda perlu bayar dan semakin baik perlindungan yang bakal diterima.<\/strong><\/p>\n\n\n\n<p>Ini kerana, pelan dan pakej insurans yang disediakan adalah berbeza mengikut umur anda. Justeru, anda sangat digalakkan untuk memiliki serta membeli insurans seawal usia 20 tahun agar diri anda dapat membayar insurans pada harga yang lebih rendah berbanding jika anda membelinya di usia 30-an.<\/p>\n\n\n\n<p>Anda juga boleh mendapatkan insurans mampu milik di Bjak.com. Pelan lengkap semua-dalam-satu kini disediakan untuk anda bagi memastikan kehidupan anda lebih dilindungi dan selamat.<\/p>\n\n\n\n<p>Jom layari <a href=\"http:\/\/Bjak.com\/life\">http:\/\/Bjak.com\/life<\/a> dan berhubung dengan ejen tanpa komisen kami untuk ketahui lebih lanjut.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;Aku tak mampu lagi la nak bayar insurans RM200 lebih setiap bulan. Banyak lagi komitmen lain aku kena bayar ni.&#8221; Ya, tidak semua orang mampu untuk memiliki perlindungan insurans. Segelintir individu mungkin merasakan bahawa memiliki insurans bukan satu perkara yang perlu diutamakan. Dengan komitmen sedia ada yang sudah terlalu banyak, maka hasrat untuk mendapatkan perlindungan&hellip;&nbsp;<a href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/takut-rasa-terbeban-nak-ada-insurans-ikut-5-tips-ini\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Takut Rasa Terbeban Nak Ada Insurans? Ikut 5 Tips Ini<\/span><\/a><\/p>\n","protected":false},"author":4,"featured_media":706,"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":[26,93,137,166,214],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Takut Rasa Terbeban Nak Ada Insurans? Ikut 5 Tips Ini | BJAK<\/title>\n<meta name=\"description\" content=\"Insurans bakal membantu mengurangkan beban kewangan anda apabila berlaku sesuatu kelak. 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