{"id":53722,"date":"2025-10-21T23:23:36","date_gmt":"2025-10-21T15:23:36","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53722"},"modified":"2025-11-05T16:46:26","modified_gmt":"2025-11-05T08:46:26","slug":"kelebihan-insurans-tambahan-seperti-perlindungan-pa","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa","title":{"rendered":"Kelebihan Insurans Tambahan Seperti Perlindungan PA"},"content":{"rendered":"\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-69d4726e36a65\" 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-69d4726e36a65\"><\/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-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Pengenalan\" title=\"Pengenalan\">Pengenalan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Apa_Itu_Insurans_Tambahan\" title=\"Apa Itu Insurans Tambahan?\">Apa Itu Insurans Tambahan?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Jenis_Add-On_Popular_di_Malaysia\" title=\"Jenis Add-On Popular di Malaysia\">Jenis Add-On Popular di Malaysia<\/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-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Kelebihan_Personal_Accident_Cover\" title=\"Kelebihan Personal Accident Cover\">Kelebihan Personal Accident Cover<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#1_Pampasan_untuk_Pemandu_Penumpang\" title=\"1. Pampasan untuk Pemandu &amp; Penumpang\">1. Pampasan untuk Pemandu &amp; Penumpang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#2_Perlindungan_Tambahan_di_Luar_Polisi_Asas\" title=\"2. Perlindungan Tambahan di Luar Polisi Asas\">2. Perlindungan Tambahan di Luar Polisi Asas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#3_Bayaran_Tambahan_Minimum\" title=\"3. Bayaran Tambahan Minimum\">3. Bayaran Tambahan Minimum<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#4_Sesuai_untuk_Pemandu_Harian\" title=\"4. Sesuai untuk Pemandu Harian\">4. Sesuai untuk Pemandu Harian<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Cara_Tambah_Insurans_Tambahan\" title=\"Cara Tambah Insurans Tambahan\">Cara Tambah Insurans Tambahan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Bila_Insurans_Tambahan_Berbaloi\" title=\"Bila Insurans Tambahan Berbaloi\">Bila Insurans Tambahan Berbaloi<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/#Penutup\" title=\"Penutup\">Penutup<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span>Pengenalan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Dalam Malaysia, kebiasaan polisi insuran kenderaan hanya memberi perlindungan pada kenderaan anda &amp; bukan pada pemilik atau penumpang jika berlaku kemalangan. Dengan insurans tambahan seperti Personal Accident, ia boleh sahaja ditambah pada polisi sebagai perlindungan jika berlaku cedera parah \/ kematian akibat kemalangan tersebut.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Apa_Itu_Insurans_Tambahan\"><\/span>Apa Itu Insurans Tambahan?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurans tambahan adalah perlindungan tambahan yang boleh ditambah pada polisi insurans anda jika mahu sebelum buat pembelian.<\/p>\n\n\n\n<p>Contoh; polisi komprehensif boleh sahaja tambahan PA, Perlindungan Cermin &amp; juga bencana khas<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Jenis_Add-On_Popular_di_Malaysia\"><\/span>Jenis Add-On Popular di Malaysia<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Beberapa add-on yang sering ditawarkan oleh syarikat insurans termasuk:<\/p>\n\n\n\n<ul><li>Personal Accident Cover (PA) \u2013 Pampasan diberi jika berlaku cedera parah atau kematian akibat kemalangan.<br><\/li><li>Windshield Coverage \u2013 Gantian atau pembaikan cermin hadapan tanpa menjejaskan NCD.<br><\/li><li>Special Perils Cover \u2013 Lindungi kereta daripada banjir, tanah runtuh, atau ribut.<br><\/li><li>Strike, Riot &amp; Civil Commotion (SRCC) \u2013 Perlindungan semasa rusuhan atau kekacauan awam.<br><\/li><li>All Drivers Cover \u2013 Semua pemandu yang sah dilindungi, tanpa perlu disenaraikan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kelebihan_Personal_Accident_Cover\"><\/span>Kelebihan Personal Accident Cover<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Berbanding add-on lain, PA Cover dianggap paling penting untuk keselamatan diri dan penumpang. Berikut antara kelebihannya:<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"1_Pampasan_untuk_Pemandu_Penumpang\"><\/span>1. Pampasan untuk Pemandu &amp; Penumpang<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Jika berlaku kemalangan yang mengakibatkan kecederaan atau kehilangan nyawa, PA Cover beri pampasan terus kepada individu terlibat, bukan sekadar kerosakan kereta.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"2_Perlindungan_Tambahan_di_Luar_Polisi_Asas\"><\/span>2. Perlindungan Tambahan di Luar Polisi Asas<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Polisi asas <em>Comprehensive<\/em> hanya lindungi kereta dan pihak ketiga \u2014 bukan kecederaan pada pemandu. Dengan PA Cover, anda dapat perlindungan diri yang sebelum ini tiada.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"3_Bayaran_Tambahan_Minimum\"><\/span>3. Bayaran Tambahan Minimum<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Add-on ini biasanya hanya tambah RM10 hingga RM30 setahun, tapi manfaatnya jauh lebih besar jika berlaku kemalangan serius.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"4_Sesuai_untuk_Pemandu_Harian\"><\/span>4. Sesuai untuk Pemandu Harian<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Kalau anda kerap memandu jarak jauh atau gunakan lebuh raya setiap hari, PA Cover memberi ketenangan tambahan sekiranya berlaku insiden di jalan raya.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Cara_Tambah_Insurans_Tambahan\"><\/span>Cara Tambah Insurans Tambahan<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Menambah perlindungan tambahan boleh dilakukan semasa memperbaharui polisi:<\/p>\n\n\n\n<ol><li>Buka laman Bjak dan pilih polisi sedia ada.<br><\/li><li>Semak senarai <em>add-on<\/em> yang ditawarkan.<br><\/li><li>Tandakan \u201cPersonal Accident Cover\u201d atau add-on lain yang diinginkan.<br><\/li><li>Terima sebut harga baharu dan sahkan pembelian.<br><\/li><\/ol>\n\n\n\n<p>Biasanya, polisi baharu akan dikeluarkan serta-merta dan dihantar ke e-mel atau WhatsApp anda.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Bila_Insurans_Tambahan_Berbaloi\"><\/span>Bila Insurans Tambahan Berbaloi<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurans tambahan tidak wajib, tapi sangat disyorkan jika anda:<\/p>\n\n\n\n<ul><li>Sering memandu jarak jauh atau waktu malam<br><\/li><li>Bawa penumpang dengan kerap<br><\/li><li>Tinggal di kawasan berisiko banjir<br><\/li><li>Mahu elak gangguan kewangan besar bila berlaku kemalangan<br><\/li><\/ul>\n\n\n\n<p>Dengan sedikit bayaran tambahan, anda boleh elak kerugian besar bila situasi tak dijangka berlaku.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Penutup\"><\/span>Penutup<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Insurans tambahan seperti Personal Accident Cover ialah langkah bijak untuk lindungi bukan sahaja kereta, tapi juga nyawa dan kewangan anda. Jadi, semasa pembaharuan seterusnya, luangkan sedikit masa untuk semak dan pertimbangkan add-on yang sesuai \u2014 anda boleh buat semua ini dengan mudah melalui Bjak, tanpa sebarang urusan rumit atau kos tersembunyi.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"53781\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/kelebihan-insurans-tambahan-seperti-perlindungan-pa\/attachment\/3-122\" data-orig-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?fit=1600%2C1012&amp;ssl=1\" data-orig-size=\"1600,1012\" 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;1&quot;}\" data-image-title=\"3-122\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?resize=1080%2C683&#038;ssl=1\" alt=\" Infografik memaparkan lima jenis add-on insurans kereta di Malaysia beserta manfaat utama setiap satunya.\n\" class=\"wp-image-53781\" srcset=\"https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i2.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-122.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=kelebihan-insurans-tambahan-seperti-perlindungan-pa\" style=\"background-color:#ffd103\">Dapatkan Sebut Harga Percuma<\/a><\/div>\n<\/div>\n\n\n\n<p>Baca Juga:<\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-jadi-kalau-pemandu-tiada-insurans\">Apa Jadi Kalau Pemandu Tiada Insurans?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/tips-dapatkan-diskaun-insurans-dengan-ncd-maksimum\">Tips Dapatkan Diskaun Insurans dengan NCD Maksimum<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-itu-excess-dalam-polisi-insurans-kereta\">Apa Itu \u201cExcess\u201d Dalam Polisi Insurans Kereta<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Ramai pemilik kereta hanya ambil pelan asas, tapi tak sedar insurans tambahan boleh beri manfaat besar bila kemalangan berlaku. Artikel ini jelaskan kelebihan add-on seperti Personal Accident Cover dan bila anda patut pertimbangkannya.<\/p>\n","protected":false},"author":31,"featured_media":53780,"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":[93,1664],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Kelebihan Insurans Tambahan Seperti Perlindungan PA | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Kelebihan Insurans Tambahan Seperti Perlindungan PA . 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