{"id":47126,"date":"2024-05-24T11:29:00","date_gmt":"2024-05-24T03:29:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47126"},"modified":"2024-05-22T22:35:21","modified_gmt":"2024-05-22T14:35:21","slug":"%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%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\/%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%e5%90%97%ef%bc%9f","title":{"rendered":"\u8f66\u9669\u5c0f\u77e5\u8bc6\uff1a\u60a8\u4e86\u89e3\u4fdd\u5355\u91cc\u7684Loading\u5417\uff1f"},"content":{"rendered":"\n<p>\u5728\u6d4f\u89c8\u6c7d\u8f66\u4fdd\u9669\u4fdd\u5355\u65f6\uff0c\u6709\u4e9b\u4eba\u53ef\u80fd\u5bf9\u4e00\u4e9b\u4fdd\u9669\u672f\u8bed\u611f\u5230\u964c\u751f\u548c\u56f0\u60d1\u3002\u5728\u8fd9\u4e9b\u4ee4\u4eba\u56f0\u60d1\u7684\u4fdd\u9669\u672f\u8bed\u4e2d\uff0c\u5305\u62ec\u81ea\u4ed8\u91d1\u989d\uff08excess\uff09\u3001\u989d\u5916\u4fee\u8f66\u8d39\u7528\uff08betterment\uff09\u3001\u8c41\u514d\uff08waiver\uff09\u7b49\u7b49\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u672c\u6587\u5c06\u548c\u5927\u5bb6\u5206\u4eab\u5176\u4e2d\u4e00\u4e2a\u4ee4\u5f88\u591a\u8f66\u4e3b\u611f\u5230\u56f0\u60d1\u7684\u4fdd\u9669\u672f\u8bed\u3002\u7ee7\u7eed\u9605\u8bfb\u672c\u6587\uff0c\u5e26\u60a8\u8fdb\u4e00\u6b65\u4e86\u89e3\u4ec0\u4e48\u662f Loading\u3002<\/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=article347\" 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-69d79913bf8a6\" 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-69d79913bf8a6\"><\/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\/%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%e5%90%97%ef%bc%9f\/#%E4%BB%80%E4%B9%88%E6%98%AF%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89%EF%BC%9F\" title=\"\u4ec0\u4e48\u662f\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\uff1f\">\u4ec0\u4e48\u662f\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\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\/%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%e5%90%97%ef%bc%9f\/#%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89%E5%A4%9A%E5%B0%91%E9%92%B1%EF%BC%9F\" title=\"\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\u591a\u5c11\u94b1\uff1f\">\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\u591a\u5c11\u94b1\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\/%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%e5%90%97%ef%bc%9f\/#%E7%A4%BA%E4%BE%8B\" title=\"\u793a\u4f8b\">\u793a\u4f8b<\/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\/%e8%bd%a6%e9%99%a9%e5%b0%8f%e7%9f%a5%e8%af%86%ef%bc%9a%e6%82%a8%e4%ba%86%e8%a7%a3%e4%bf%9d%e5%8d%95%e9%87%8c%e7%9a%84loading%e5%90%97%ef%bc%9f\/#%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E4%B9%8B%E5%89%8D%E5%85%88%E6%AF%94%E8%BE%83\" title=\"\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\u5148\u6bd4\u8f83\">\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\u5148\u6bd4\u8f83<\/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%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89%EF%BC%9F\"><\/span><strong>\u4ec0\u4e48\u662f\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u989d\u5916\u4fdd\u8d39\u662f\u6839\u636e\u4e00\u4e9b\u98ce\u9669\u56e0\u7d20\uff0c\u5728\u57fa\u7840\u4fdd\u8d39\u4e0a\u9644\u52a0\u7684\u989d\u5916\u8d39\u7528\u3002<\/p>\n\n\n\n<p>\u51b3\u5b9a\u989d\u5916\u4fdd\u8d39\u7684\u98ce\u9669\u56e0\u7d20\u5f88\u591a\uff0c\u5305\u62ec\uff1a\u6295\u4fdd\u8005\u5e74\u9f84\u3001\u9a7e\u9a76\u8bb0\u5f55\u548c\u4e0d\u826f\u7684\u7d22\u8d54\u8bb0\u5f55\u7b49\u7b49\u3002\u5f53\u4fdd\u9669\u516c\u53f8\u9047\u5230\u9ad8\u98ce\u9669\u8f66\u4e3b\u65f6\uff0c\u5373\u4f1a\u51fa\u73b0\u989d\u5916\u4fdd\u8d39\u3002\u5f81\u6536\u989d\u5916\u4fdd\u8d39\u7684\u76ee\u7684\u5728\u4e8e\u4fdd\u969c\u516c\u53f8\u7684\u81ea\u8eab\u6743\u76ca\u3002<\/p>\n\n\n\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E9%A2%9D%E5%A4%96%E4%BF%9D%E8%B4%B9%EF%BC%88Loading%EF%BC%89%E5%A4%9A%E5%B0%91%E9%92%B1%EF%BC%9F\"><\/span><strong>\u989d\u5916\u4fdd\u8d39\uff08Loading\uff09\u591a\u5c11\u94b1\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u5c3d\u7ba1\u98ce\u9669\u7c7b\u578b\u76f8\u4f3c\uff0c\u4f46\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u5f81\u6536\u7684\u989d\u5916\u4fdd\u8d39\u5404\u6709\u4e0d\u540c\uff0c\u901a\u5e38\u572815%\u81f335%\u4e4b\u95f4\u3002\u6295\u4fdd\u8005\u7684\u98ce\u9669\u8d8a\u9ad8\uff0c\u6536\u53d6\u7684\u8d39\u7387\u5c31\u8d8a\u9ad8\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"41556\" data-permalink=\"https:\/\/bjak.my\/blog\/car-insurance\/kurnia-third-party-car-insurance\/attachment\/auto-insurance-2\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" data-orig-size=\"617,409\" 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=\"Auto-insurance\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=300%2C199&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?fit=617%2C409&amp;ssl=1\" loading=\"lazy\" width=\"617\" height=\"409\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?resize=617%2C409&#038;ssl=1\" alt=\"Car insurance mistakes\" class=\"wp-image-41556\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?w=617&amp;ssl=1 617w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2023\/08\/Auto-insurance.png?resize=300%2C199&amp;ssl=1 300w\" sizes=\"(max-width: 617px) 100vw, 617px\" 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=\"%E7%A4%BA%E4%BE%8B\"><\/span><strong>\u793a\u4f8b<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u9648\u5148\u751f\u6709\u4e00\u8f862009\u5e74\u6ce8\u518c\u7684\u65e7\u8f66\uff0c\u56e0\u6b64\u4eca\u5e74\u4ed6\u7684\u8f66\u5b50\u8f66\u9f84\u5df2\u7ecf15\u5e74\u4e86\u3002\u8fd915\u5e74\u4ee5\u6765\uff0c\u9648\u5148\u751f\u90fd\u6ca1\u6709\u7533\u8bf7\u8fc7\u7d22\u8d54\uff0c\u4ed6\u7684\u65e0\u7d22\u8d54\u7387\uff08NCD\uff09\u4e00\u76f4\u4fdd\u6301\u572855%\u3002\u5c3d\u7ba1\u9648\u5148\u751f\u7684\u8bb0\u5f55\u826f\u597d\uff0c\u4f46\u4ed6\u7684\u4fdd\u9669\u516c\u53f8\u4ecd\u5728\u4ed6\u7684\u4fdd\u8d39\u57fa\u7840\u4e0a\u6536\u53d630%\u7684\u989d\u5916\u4fdd\u8d39\uff0c\u539f\u56e0\u662f\u4ed6\u7684\u8f66\u5b50\u5df2\u7ecf\u5f88\u65e7\u4e86\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u9648\u5148\u751f\u4eca\u5e74\u5fc5\u987b\u7f34\u4ed8\u7684\u4fdd\u8d39\uff1a<\/p>\n\n\n\n<p>\u5728\u6263\u9664 NCD \u4e4b\u524d\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u57fa\u672c\u4fdd\u8d39<\/td><td>RM427.30<\/td><\/tr><tr><td>\u989d\u5916\u4fdd\u8d39\uff0830%\uff09<\/td><td>RM128.19<\/td><\/tr><tr><td>\u5e94\u4ed8\u91d1\u989d&nbsp;<\/td><td>RM555.49<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>\u5728\u6263\u9664 NCD \u4e4b\u540e\uff1a<\/strong><\/p>\n\n\n\n<p>RM555.49 &#8211; 55% NCD (RM305.50) = RM249.97&nbsp;<\/p>\n\n\n\n<p><strong>\u5728\u6dfb\u52a0 8% SST \u548c\u5370\u82b1\u7a0e\u4e4b\u540e\uff1a<\/strong><\/p>\n\n\n\n<p>RM249.97 + RM20 (SST) + RM10 (\u5370\u82b1\u7a0e) = RM279.97&nbsp;<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u9648\u5148\u751f\u6240\u9700\u8981\u7f34\u4ed8\u7684\u4fdd\u8d39\u603b\u5171\u662fRM279.97\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"8020\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/senarai-syarikat-insurans-takaful-yang-disediakan-bjak\/attachment\/featured-image-_-senarai-syarikat-insurans_-takaful-yang-disediakan-di-bjak\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.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=\"Car insurance and motor takaful\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?resize=1080%2C608&#038;ssl=1\" alt=\"Car insurance and motor takaful\" class=\"wp-image-8020\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?resize=1536%2C864&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2021\/10\/Featured-Image-_-Senarai-Syarikat-Insurans_-Takaful-yang-disediakan-di-Bjak.jpg?w=1600&amp;ssl=1 1600w\" 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=\"%E6%9B%B4%E6%96%B0%E8%BD%A6%E9%99%A9%E4%B9%8B%E5%89%8D%E5%85%88%E6%AF%94%E8%BE%83\"><\/span><strong>\u66f4\u65b0\u8f66\u9669\u4e4b\u524d\u5148\u6bd4\u8f83<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u7b80\u5355\u6765\u8bf4\uff0c\u989d\u5916\u4fdd\u8d39\u8d8a\u9ad8\uff0c\u6240\u9700\u8981\u652f\u4ed8\u7684\u4fdd\u8d39\u5c31\u8d8a\u9ad8\u3002\u56e0\u6b64\u6211\u4eec\u5efa\u8bae\u60a8\u5728\u66f4\u65b0\u8f66\u9669\u524d\uff0c\u5148\u6bd4\u8f83\u4e0d\u540c\u4fdd\u9669\u516c\u53f8\u6240\u5f81\u6536\u7684\u989d\u5916\u62a5\u5e9f\u7387\u3002<\/p>\n\n\n\n<p>\u5728\u66f4\u65b0\u8f66\u9669\u548c\u8def\u7a0e\u4e0a\uff0c\u5f53\u7136\u662f\u9009\u62e9<strong><a href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article347\" target=\"_blank\" rel=\"noreferrer 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