{"id":53952,"date":"2025-10-23T23:06:35","date_gmt":"2025-10-23T15:06:35","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=53952"},"modified":"2025-11-03T17:38:53","modified_gmt":"2025-11-03T09:38:53","slug":"bagaimana-insurans-bantu-semasa-bencana-alam","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-insurans-bantu-semasa-bencana-alam","title":{"rendered":"Bagaimana Insurans Bantu Semasa Bencana Alam"},"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-69d472aac9518\" 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-69d472aac9518\"><\/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\/bagaimana-insurans-bantu-semasa-bencana-alam\/#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\/bagaimana-insurans-bantu-semasa-bencana-alam\/#1_Jenis_Bencana_Alam_yang_Dilindungi_oleh_Insurans\" title=\"1. Jenis Bencana Alam yang Dilindungi oleh Insurans\">1. Jenis Bencana Alam yang Dilindungi oleh Insurans<\/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\/bagaimana-insurans-bantu-semasa-bencana-alam\/#2_Kelebihan_Mempunyai_Perlindungan_Bencana_Alam\" title=\"2. Kelebihan Mempunyai Perlindungan Bencana Alam\">2. Kelebihan Mempunyai Perlindungan Bencana Alam<\/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\/bagaimana-insurans-bantu-semasa-bencana-alam\/#3_Cara_Semak_Sama_Ada_Polisi_Anda_Lindungi_Bencana_Alam\" title=\"3. Cara Semak Sama Ada Polisi Anda Lindungi Bencana Alam\">3. Cara Semak Sama Ada Polisi Anda Lindungi Bencana Alam<\/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-kereta\/bagaimana-insurans-bantu-semasa-bencana-alam\/#4_Apa_Perlu_Buat_Jika_Kenderaan_Terjejas\" title=\"4. Apa Perlu Buat Jika Kenderaan Terjejas\">4. Apa Perlu Buat Jika Kenderaan Terjejas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-insurans-bantu-semasa-bencana-alam\/#Kesimpulan\" title=\"Kesimpulan\">Kesimpulan<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Pengenalan\"><\/span><strong>Pengenalan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Setiap tahun, Malaysia mengalami pelbagai jenis bencana alam \u2014 banjir, ribut kuat, tanah runtuh, malah pokok tumbang akibat hujan lebat. Dalam keadaan begini, ramai pemilik kenderaan atau rumah berdepan kos pembaikan yang tinggi. Tapi, tahukah anda insurans sebenarnya boleh bantu meringankan beban ini?<br>Kalau anda ada perlindungan yang betul, banyak kerugian boleh ditanggung oleh syarikat insurans, bukan keluar dari poket sendiri.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_Jenis_Bencana_Alam_yang_Dilindungi_oleh_Insurans\"><\/span><strong>1. Jenis Bencana Alam yang Dilindungi oleh Insurans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Secara asasnya, pelan insurans biasa <strong>tidak meliputi bencana alam<\/strong> \u2014 perlindungan ini biasanya datang melalui <strong>add-on Special Perils<\/strong>.<br>Add-on ini melindungi kereta anda daripada kerosakan akibat:<\/p>\n\n\n\n<ul><li>&nbsp;Banjir<br><\/li><li>&nbsp;Ribut, taufan, atau hujan batu<br><\/li><li>&nbsp;Tanah runtuh, pokok tumbang, atau tanah mendap<br>Dengan add-on ini, kerosakan akibat air masuk ke dalam enjin atau bahagian elektrik boleh dituntut, asalkan dilaporkan dalam tempoh yang ditetapkan.<br><\/li><\/ul>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"54016\" data-permalink=\"https:\/\/bjak.my\/blog\/insurans-kereta\/bagaimana-insurans-bantu-semasa-bencana-alam\/attachment\/3-138\" data-orig-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.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=\"3-138\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?fit=300%2C190&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?fit=1080%2C683&amp;ssl=1\" loading=\"lazy\" width=\"1080\" height=\"683\" src=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?resize=1080%2C683&#038;ssl=1\" alt=\"Infografik menunjukkan empat jenis bencana alam yang boleh dilindungi oleh insurans dengan add-on Special Perils.\" class=\"wp-image-54016\" srcset=\"https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?resize=1080%2C683&amp;ssl=1 1080w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?resize=300%2C190&amp;ssl=1 300w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?resize=768%2C486&amp;ssl=1 768w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?resize=1536%2C971&amp;ssl=1 1536w, https:\/\/i0.wp.com\/bjak.my\/blog\/wp-content\/uploads\/2025\/10\/3-138.jpg?w=1600&amp;ssl=1 1600w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_Kelebihan_Mempunyai_Perlindungan_Bencana_Alam\"><\/span><strong>2. Kelebihan Mempunyai Perlindungan Bencana Alam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>(a) <strong>Kurangkan Kerugian Besar<\/strong><strong><br><\/strong> Baik rumah atau kenderaan, kos pembaikan akibat banjir boleh cecah ribuan ringgit. Insurans bantu tampung kos ini.<\/p>\n\n\n\n<p>(b) <strong>Proses Bantuan Lebih Cepat<\/strong><strong><br><\/strong> Dengan polisi sah, anda boleh terus buat laporan dan tuntutan kepada syarikat insurans tanpa tunggu bantuan kerajaan.<\/p>\n\n\n\n<p>(c) <strong>Tenang Hati Semasa Musim Tengkujuh<\/strong><strong><br><\/strong> Bagi negeri seperti Kelantan, Pahang, dan Johor yang sering banjir, perlindungan tambahan ini amat penting setiap hujung tahun.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Cara_Semak_Sama_Ada_Polisi_Anda_Lindungi_Bencana_Alam\"><\/span><strong>3. Cara Semak Sama Ada Polisi Anda Lindungi Bencana Alam<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Ramai pemilik kenderaan tak sedar mereka belum tambah add-on Special Perils.<br>Untuk semak:<\/p>\n\n\n\n<ol><li>Layari <strong>BJAK.my<\/strong> dan masukkan nombor plat.<br><\/li><li>Lihat senarai perlindungan \u2014 jika tiada \u201cSpecial Perils\u201d, bermakna polisi anda <strong>tidak lindungi bencana alam<\/strong>.<br><\/li><li>Anda boleh terus tambah add-on semasa pembaharuan insurans untuk aktifkan perlindungan ini.<br><\/li><\/ol>\n\n\n\n<p><em>Tip:<\/em> BJAK paparkan pilihan add-on secara automatik semasa anda semak harga, jadi mudah untuk banding pelan dengan atau tanpa perlindungan bencana.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"4_Apa_Perlu_Buat_Jika_Kenderaan_Terjejas\"><\/span><strong>4. Apa Perlu Buat Jika Kenderaan Terjejas<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Jika kereta anda rosak akibat banjir atau ribut:<\/p>\n\n\n\n<ol><li>Jangan hidupkan enjin \u2014 boleh rosakkan lebih teruk.<br><\/li><li>Ambil gambar keadaan kenderaan dan kawasan sekitar.<br><\/li><li>Laporkan kepada syarikat insurans atau melalui BJAK untuk bantuan tuntutan.<br><\/li><li>Towing akan dihantar ke bengkel panel untuk pemeriksaan lanjut.<br><\/li><\/ol>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"Kesimpulan\"><\/span><strong>Kesimpulan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Bencana alam memang tak boleh dielak, tapi kesannya boleh dikurangkan dengan insurans yang betul. Pastikan polisi anda ada perlindungan <strong>Special Perils<\/strong>, terutama jika tinggal di kawasan mudah banjir.<br>Melalui <strong>BJAK<\/strong>, anda boleh semak, banding, dan tambah add-on perlindungan bencana terus secara online \u2014 cepat, selamat, dan tanpa caj tersembunyi.<\/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-text-color has-background\" href=\"https:\/\/bjak.my\/ms?utm_source=blog&amp;utm_medium=ad&amp;utm_campaign=bagaimana-insurans-bantu-semasa-bencana-alam\" 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-itu-comprehensive-coverage-apa-termasuk\">Apa Itu \u201cComprehensive Coverage\u201d Apa Termasuk?<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/cara-untuk-banding-harga-insurans-kereta\">Cara Untuk Banding Harga Insurans Kereta<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/bjak.my\/blog\/apa-yang-insuran-komprehensif-tidak-lindungi\">Apa Yang Insuran Komprehensif Tidak Lindungi<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p> Bila bencana alam melanda \u2014 banjir, ribut, atau tanah runtuh \u2014 kerugian bukan saja melibatkan harta, tapi juga kewangan. Artikel ini terangkan bagaimana insurans boleh bantu lindungi anda daripada kos besar akibat bencana alam, dan cara semak sama ada polisi anda meliputi perlindungan ini.<\/p>\n","protected":false},"author":31,"featured_media":54015,"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":[1975,93],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Bagaimana Insurans Bantu Semasa Bencana Alam | BJAK<\/title>\n<meta name=\"description\" content=\"BJAK | Read about: Bagaimana Insurans Bantu Semasa Bencana Alam . 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