{"id":47277,"date":"2024-06-06T12:12:00","date_gmt":"2024-06-06T04:12:00","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=47277"},"modified":"2024-06-05T22:25:40","modified_gmt":"2024-06-05T14:25:40","slug":"%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/%e6%b1%bd%e8%bd%a6%e4%bf%9d%e9%99%a9\/%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81","title":{"rendered":"\u95ea\u7535\u6c34\u707e\u9891\u9891\u53d1\u751f\uff0c\u4ec514%\u56fd\u4eba\u8d2d\u4e70\u6c34\u707e\u9669\uff01"},"content":{"rendered":"\n<p>\u8fd1\u51e0\u5e74\uff0c\u5168\u56fd\u5404\u5dde\u53ea\u8981\u4e0b\u8d77\u8c6a\u96e8\uff0c\u5fc5\u6709\u5730\u65b9\u53d1\u751f\u95ea\u7535\u6c34\u707e\uff0c\u6c11\u4f17\u53ef\u8bf4\u662f\u95fb\u201c\u96e8\u201d\u4e27\u80c6\uff01\u5728\u5168\u7403\u6c14\u5019\u53d8\u5316\u7684\u5f71\u54cd\u4e0b\uff0c\u964d\u96e8\u91cf\u589e\u52a0\uff0c\u52a0\u4e0a\u57ce\u5e02\u9ad8\u901f\u53d1\u5c55\u5bfc\u81f4\u6392\u6c34\u7cfb\u7edf\u4e0d\u582a\u91cd\u8d1f\uff0c\u79cd\u79cd\u539f\u56e0\u52a0\u5267\u4e86\u6c34\u707e\u7684\u53d1\u751f\uff0c\u4e5f\u6210\u4e86\u56fd\u5185\u6700\u5e38\u89c1\u7684\u81ea\u7136\u707e\u5bb3\u4e4b\u4e00\u3002\u6c34\u707e\u4e0d\u4ec5\u5bfc\u81f4\u707e\u6c11\u5931\u53bb\u5bb6\u56ed\uff0c\u6210\u5343\u4e0a\u4e07\u7684\u8f66\u8f86\u4e5f\u5e38\u5e38\u88ab\u6d78\u6ce1\u5728\u6c34\u4e2d\uff0c\u9020\u6210\u5de8\u5927\u7684\u8d22\u7269\u635f\u5931\u3002<\/p>\n\n\n\n<p>\u90a3\u4e48\uff0c\u6c34\u707e\u53d1\u751f\u540e\uff0c\u5982\u679c\u53d1\u73b0\u4fdd\u9669\u4e0d\u8d54\u507f\u600e\u4e48\u529e\uff1f\u4e8b\u5b9e\u4e0a\uff0c\u8bb8\u591a\u8f66\u4e3b\u5728\u53d1\u751f\u6c34\u707e\u540e\u624d\u610f\u8bc6\u5230\uff0c\u81ea\u5df1\u6240\u8d2d\u4e70\u7684\u8f66\u9669\u5e76\u4e0d\u6db5\u76d6\u81ea\u7136\u707e\u5bb3\u9020\u6210\u7684\u635f\u5931\u3002\u8fd9\u65f6\uff0c\u5982\u679c\u60a8\u7684\u8f66\u88ab\u6c34\u707e\u4e25\u91cd\u635f\u574f\u751a\u81f3\u5168\u635f\uff0c\u800c\u60a8\u6ca1\u6709\u8d2d\u4e70\u76f8\u5e94\u7684\u81ea\u7136\u707e\u5bb3\u4fdd\u9669\uff0c\u5c31\u65e0\u6cd5\u4ece\u4fdd\u9669\u516c\u53f8\u83b7\u5f97\u4efb\u4f55\u8d54\u507f\uff0c\u53ea\u80fd\u81ea\u5df1\u627f\u62c5\u4fee\u8f66\u6216\u8d2d\u7f6e\u65b0\u8f66\u7684\u9ad8\u6602\u8d39\u7528\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\/%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81\/#%E6%99%AE%E9%99%A9%E5%85%AC%E4%BC%9A%EF%BC%9A%E5%85%A8%E9%A9%AC14%E5%9B%BD%E4%BA%BA%E8%B4%AD%E4%B9%B0%E6%B0%B4%E7%81%BE%E9%99%A9\" title=\"\u666e\u9669\u516c\u4f1a\uff1a\u5168\u9a6c14%\u56fd\u4eba\u8d2d\u4e70\u6c34\u707e\u9669\">\u666e\u9669\u516c\u4f1a\uff1a\u5168\u9a6c14%\u56fd\u4eba\u8d2d\u4e70\u6c34\u707e\u9669<\/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\/%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81\/#%E5%85%B3%E4%BA%8E%E8%87%AA%E7%84%B6%E7%81%BE%E5%AE%B3%E4%BF%9D%E9%9A%9C%E7%9A%84%E7%9B%B8%E5%85%B3%E4%BF%A1%E6%81%AF\" title=\"\u5173\u4e8e\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\u7684\u76f8\u5173\u4fe1\u606f\">\u5173\u4e8e\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\u7684\u76f8\u5173\u4fe1\u606f<\/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\/%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81\/#%E6%B1%BD%E8%BD%A6%E6%B3%A1%E6%B0%B4%E6%8D%9F%E5%9D%8F%EF%BC%8C%E5%A6%82%E4%BD%95%E7%B4%A2%E8%B5%94%EF%BC%9F\" title=\"\u6c7d\u8f66\u6ce1\u6c34\u635f\u574f\uff0c\u5982\u4f55\u7d22\u8d54\uff1f\">\u6c7d\u8f66\u6ce1\u6c34\u635f\u574f\uff0c\u5982\u4f55\u7d22\u8d54\uff1f<\/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\/%e9%97%aa%e7%94%b5%e6%b0%b4%e7%81%be%e9%a2%91%e9%a2%91%e5%8f%91%e7%94%9f%ef%bc%8c%e4%bb%8514%e5%9b%bd%e4%ba%ba%e8%b4%ad%e4%b9%b0%e6%b0%b4%e7%81%be%e9%99%a9%ef%bc%81\/#%E8%AE%A9%E7%88%B1%E8%BD%A6%E8%8E%B7%E5%BE%97%E5%85%A8%E9%9D%A2%E4%BF%9D%E9%9A%9C\" title=\"\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c\">\u8ba9\u7231\u8f66\u83b7\u5f97\u5168\u9762\u4fdd\u969c<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"has-nv-c-2-color has-text-color\"><span class=\"ez-toc-section\" id=\"%E6%99%AE%E9%99%A9%E5%85%AC%E4%BC%9A%EF%BC%9A%E5%85%A8%E9%A9%AC14%E5%9B%BD%E4%BA%BA%E8%B4%AD%E4%B9%B0%E6%B0%B4%E7%81%BE%E9%99%A9\"><\/span><strong>\u666e\u9669\u516c\u4f1a\uff1a\u5168\u9a6c14%\u56fd\u4eba\u8d2d\u4e70\u6c34\u707e\u9669<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u8eab\u4e3a\u8f66\u4e3b\uff0c\u5e94\u8be5\u6e05\u695a\u77e5\u9053\u5c31\u7b97\u8d2d\u4e70\u7684\u662f\u7efc\u5408\u578b\u4fdd\u9669\uff0c\u4e5f\u65e0\u6cd5\u4fdd\u969c\u8f66\u5b50\u56e0\u81ea\u7136\u707e\u5bb3\u9020\u6210\u7684\u635f\u574f\uff0c\u6bd4\u5982\uff1a\u6c7d\u8f66\u88ab\u5012\u4e0b\u7684\u5927\u6811\u538b\u574f\uff0c\u6216\u662f\u906d\u9047\u571f\u5d29\u3001\u6c34\u707e\u7b49\uff0c\u8fd9\u4e9b\u90fd\u4e0d\u5728\u7efc\u5408\u578b\u4fdd\u9669\u7684\u4fdd\u969c\u8303\u56f4\u5185\u3002<\/p>\n\n\n\n<p>\u6839\u636e\u5927\u9a6c\u666e\u901a\u4fdd\u9669\u5de5\u4f1a\uff08PIAM\uff09\u6307\u51fa\uff0c\u7531\u4e8e\u56fd\u5185\u8fd1\u5e74\u6c34\u707e\u9891\u9891\u53d1\u751f\uff0c\u8ba9\u6c11\u4f17\u63d0\u9ad8\u4e86\u8d2d\u4e70\u6c34\u707e\u4fdd\u9669\u610f\u8bc6\u3002\u6295\u4fdd\u4ece2022\u5e74\u768412%\uff0c\u63d0\u9ad8\u52302023\u5e74\u768414%\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"45652\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/polisi-insuran-kereta\/attachment\/image-2-gambar-kereta-ditenggelami-banjir-gambar-kereta-dimasuki-air-banjir-2\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?fit=1536%2C864&amp;ssl=1\" data-orig-size=\"1536,864\" 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=\"Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?fit=1080%2C608&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"608\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?resize=1080%2C608&#038;ssl=1\" alt=\"\" class=\"wp-image-45652\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?resize=1080%2C608&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Image-2-Gambar-kereta-ditenggelami-banjir-Gambar-kereta-dimasuki-air-banjir.webp?w=1536&amp;ssl=1 1536w\" 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=\"%E5%85%B3%E4%BA%8E%E8%87%AA%E7%84%B6%E7%81%BE%E5%AE%B3%E4%BF%9D%E9%9A%9C%E7%9A%84%E7%9B%B8%E5%85%B3%E4%BF%A1%E6%81%AF\"><\/span><strong>\u5173\u4e8e\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\u7684\u76f8\u5173\u4fe1\u606f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u4e0e\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\u76f8\u5173\u7684\u4fe1\u606f\uff1a<\/p>\n\n\n\n<p>\u2014 \u81ea\u7136\u707e\u5bb3\u4fdd\u969c\u53c8\u79f0\u201c\u7279\u6b8a\u707e\u5bb3\u4fdd\u9669\u201d\uff08Special Perlis\uff09\u3002<\/p>\n\n\n\n<p>\u2014 \u6b64\u7c7b\u9644\u52a0\u4fdd\u9669\u4e13\u95e8\u4e3a\u56e0\u6c34\u707e\u3001\u5012\u4e0b\u7684\u6811\u6728\u7b49\u81ea\u7136\u707e\u5bb3\u9020\u6210\u7684\u8f66\u8f86\u635f\u574f\u63d0\u4f9b\u4fdd\u969c\u3002<\/p>\n\n\n\n<p>\u2014 \u6709\u4e86\u989d\u5916\u7684\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\uff0c\u60a8\u53ef\u4ee5\u5c31\u81ea\u7136\u707e\u5bb3\u9020\u6210\u7684\u8f66\u8f86\u635f\u574f\u63d0\u51fa\u7d22\u8d54\u3002<\/p>\n\n\n\n<p>\u2014 \u6b64\u4fdd\u9669\u7684\u4fdd\u8d39\u4e00\u822c\u4e3a\u4fdd\u989d\u7684 0.5%\uff0c\u4f46\u5b83\u53ef\u80fd\u56e0\u5404\u5bb6\u4fdd\u9669\u516c\u53f8\u800c\u5f02\u3002<\/p>\n\n\n\n<p>\u2014 \u53ea\u6709\u8d2d\u4e70\u7efc\u5408\u578b\u4fdd\u5355\uff0c\u624d\u80fd\u989d\u5916\u6dfb\u52a0\u81ea\u7136\u707e\u5bb3\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%E6%B3%A1%E6%B0%B4%E6%8D%9F%E5%9D%8F%EF%BC%8C%E5%A6%82%E4%BD%95%E7%B4%A2%E8%B5%94%EF%BC%9F\"><\/span><strong>\u6c7d\u8f66\u6ce1\u6c34\u635f\u574f\uff0c\u5982\u4f55\u7d22\u8d54\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-attachment-id=\"45051\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kesilapan-pembaharuan-insurans-kereta\/attachment\/flooded-cars-3\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?fit=900%2C508&amp;ssl=1\" data-orig-size=\"900,508\" 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=\"Flooded-cars\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?fit=300%2C169&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?fit=900%2C508&amp;ssl=1\" loading=\"lazy\" width=\"900\" height=\"508\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?resize=900%2C508&#038;ssl=1\" alt=\"\" class=\"wp-image-45051\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?w=900&amp;ssl=1 900w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?resize=300%2C169&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2024\/01\/Flooded-cars.webp?resize=768%2C433&amp;ssl=1 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>\u53ea\u8981\u60a8\u7684\u8f66\u9669\u5305\u542b\u81ea\u7136\u707e\u5bb3\u4fdd\u969c\uff0c\u90a3\u60a8\u5c31\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u63d0\u51fa\u7d22\u8d54\u3002<\/p>\n\n\n\n<p>\u4ee5\u4e0b\u662f\u63d0\u51fa\u4fdd\u9669\u7d22\u8d54\u7684\u6b65\u9aa4\uff1a<\/p>\n\n\n\n<p>1. 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href=\"https:\/\/bjak.my\/zh?utm_source=blogzh&amp;utm_campaign=article361\" target=\"_blank\" rel=\"noreferrer noopener\">\u5168\u9a6c\u6700\u5927\u7684\u7ebf\u4e0a\u8f66\u9669\u5e73\u53f0\u2014\u2014\u5fc5\u4f73Bjak<\/a><\/strong>\uff0c\u5728\u8fd9\u91cc\u60a8\u53ef\u4ee5\u4e00\u6b21\u8fc7\u6bd4\u8f8323\u5bb6\u4fdd\u9669\u516c\u53f8\u62a5\u4ef7\uff0c\u5e76\u6839\u636e\u81ea\u5df1\u7684\u9700\u6c42\u548c\u9884\u7b97\u9009\u62e9\u5408\u9002\u7684\u4fdd\u9669\u914d\u5957\u3002\u4ed8\u6b3e\u540e\uff0c\u8f66\u9669\u7acb\u5373\u751f\u6548\uff0c\u7701\u65f6\u65b9\u4fbf\uff01\u4eca\u5929\u5c31\u5230\u5fc5\u4f73\u4e86\u89e3\u66f4\u591a\u5427\uff01<\/p>\n\n\n\n<div class=\"wp-container-2 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=article361\" target=\"_blank\" 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