{"id":52281,"date":"2023-12-22T12:20:31","date_gmt":"2023-12-22T04:20:31","guid":{"rendered":"https:\/\/valueinmind.co\/?p=52281"},"modified":"2024-01-02T10:56:16","modified_gmt":"2024-01-02T02:56:16","slug":"car-house-insurance-coverage-during-flood","status":"publish","type":"post","link":"https:\/\/valueinmind.co\/zh\/car-house-insurance-coverage-during-flood\/","title":{"rendered":"\u9a6c\u6765\u897f\u4e9a\u6c34\u707e\uff01\u6ce1\u6c34\u8f66\uff0c\u623f\u5c4b\u6c34\u707e\u4fdd\u9669\uff0c\u5929\u707e\u4fdd\u9669\u8d54\u5417\uff1f\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\uff1f"},"content":{"rendered":"\n<p>\u5176\u4ed6\u56fd\u5bb6\u6709\u56db\u5b63\uff0c\u9a6c\u6765\u897f\u4e9a\u8fd9\u4e2a\u4f4d\u4e8e\u8d64\u9053\u4e0a\u7684\u56fd\u5bb6\uff0c\u9664\u4e86\u5e38\u5e74\u6e29\u5dee\u76f8\u540c\uff0c\u4e5f\u6709\u868a\u75c7\u5b63\u3001\u96fe\u973e\u5b63\u3001\u69b4\u83b2\u5b63\u548c\u6c34\u707e\u5b63\uff0c\u56db\u4e2a\u5b63\u8282\u3002<\/p>\n\n\n\n<p>\u6bcf\u5e74\u5e74\u5c3e\u768411\u300112\u6708\uff0c\u9a6c\u6765\u897f\u4e9a\u5c31\u4f1a\u522e\u8d77\u4e1c\u5317\u5b63\u5019\u98ce\uff0c\u5404\u5dde\u4f4e\u6d3c\u7684\u5730\u533a\u90fd\u6709\u53ef\u80fd\u53d1\u751f\u6c34\u707e\u3002\u5c31\u50cf\u4eca\u5e74\uff0c\u84b2\u79cd\uff08Puchong\uff09\u5730\u533a\u548c\u67d4\u4f5b\u5c31\u53d1\u751f\u4e86\u5927\u6c34\u707e\uff0c\u5c31\u8fde\u5546\u573a\u90fd\u4e0d\u80fd\u5e78\u514d\u3002<\/p>\n\n\n\n<p>\u5149\u662f2022\u5e74\uff0c\u6c34\u707e\u5c31\u8ba9\u6211\u4eec\u635f\u5931\u4e86<a href=\"https:\/\/www.orientaldaily.com.my\/news\/nation\/2023\/02\/23\/548596\" target=\"_blank\" rel=\"noopener\">6.2\u4ebf\u4ee4\u5409<\/a>\uff0c\u76f8\u5f53\u4e8e\u540d\u4e49\u56fd\u5185\u751f\u4ea7\u603b\u503c\uff08Nominal GDP\uff09\u76840.03%\u30022021\u5e74\uff0c\u6c34\u707e\u635f\u5931\u5219\u662f\u9ad8\u8fbe<a href=\"https:\/\/www.sinchew.com.my\/20220128\/%E8%B0%83%E6%9F%A5%EF%BC%9A%E7%9B%B8%E5%BD%93%E4%BA%8Egdp-0-4-%E6%B0%B4%E7%81%BE%E9%80%A0%E6%88%90%E6%8D%9F%E5%A4%B1%E8%BE%BE61%E4%BA%BF\/\" target=\"_blank\" rel=\"noopener\">61\u4ebf\u4ee4\u5409<\/a>\u3002<\/p>\n\n\n\n<p>\u65e2\u7136\u6bcf\u5e74\u5e74\u672b\u7684\u6c34\u707e\u65e0\u6cd5\u907f\u514d\uff0c\u90a3\u4e48\u4f4f\u5728\u4f4e\u6d3c\u5730\u533a\u7684\u4eba\uff0c\u53ef\u4ee5\u5982\u4f55\u5e94\u5bf9\uff1f<\/p>\n\n\n\n<p>\u8fd9\u7bc7\u6587\u7ae0\u5c06\u4f1a\u548c\u8ba8\u8bba\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\u7684\u4fdd\u969c\u8303\u56f4\u3001\u4fdd\u8d39\u4ee5\u53ca\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\u7684\u6b65\u9aa4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u76ee\u5f55<\/h2><nav><ul><li class=\"\"><a href=\"#\u4ec0\u4e48\u662f\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\uff1f\">\u4ec0\u4e48\u662f\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\uff1f<\/a><\/li><li class=\"\"><a href=\"#\u90a3\u4e48\u6211\u7684\u623f\u5c4b\u4fdd\u9669\u6216\u6c7d\u8f66\u4fdd\u9669\u6709\u4fdd\u969c\u6c34\u707e\u4f24\u5bb3\u5417\uff1f\">\u90a3\u4e48\u6211\u7684\u623f\u5c4b\u4fdd\u9669\u6216\u6c7d\u8f66\u4fdd\u9669\u6709\u4fdd\u969c\u6c34\u707e\u4f24\u5bb3\u5417\uff1f<\/a><ul><li class=\"\"><a href=\"#\u623f\u5c4b\u4fdd\u9669\">\u623f\u5c4b\u4fdd\u9669<\/a><\/li><li class=\"\"><a href=\"#\u6c7d\u8f66\u4fdd\u9669\">\u6c7d\u8f66\u4fdd\u9669<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u6c34\u707e\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f\">\u6c34\u707e\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/a><ul><li class=\"\"><a href=\"#\u6c7d\u8f66\u4fdd\u9669-1\">\u6c7d\u8f66\u4fdd\u9669<\/a><\/li><li class=\"\"><a href=\"#\u623f\u5c4b\u4fdd\u9669-2\">\u623f\u5c4b\u4fdd\u9669<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\uff1f\">\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\uff1f<\/a><ul><li class=\"\"><a href=\"#\u623f\u5c4b\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4\">\u623f\u5c4b\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4<\/a><\/li><li class=\"\"><a href=\"#\u6c7d\u8f66\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4\">\u6c7d\u8f66\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4<\/a><\/li><li class=\"\"><a href=\"#\u4fdd\u9669\u8d54\u507f\u9700\u8981\u591a\u957f\u7684\u65f6\u95f4\uff1f\">\u4fdd\u9669\u8d54\u507f\u9700\u8981\u591a\u957f\u7684\u65f6\u95f4\uff1f<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#\u603b\u7ed3\">\u603b\u7ed3<\/a><\/li><li class=\"\"><a href=\"#\u5ef6\u4f38\u9605\u8bfb\">\u5ef6\u4f38\u9605\u8bfb<\/a><\/li><li class=\"\"><a href=\"#\u514d\u8d23\u58f0\u660e\">\u514d\u8d23\u58f0\u660e<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u4ec0\u4e48\u662f\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\uff1f\"><strong>\u4ec0\u4e48\u662f\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1240\" height=\"812\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e.webp\" alt=\"\" class=\"wp-image-52283\" style=\"object-fit:cover;width:500px;height:300px\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e.webp 1240w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e-300x196.webp 300w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e-1024x671.webp 1024w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e-768x503.webp 768w\" sizes=\"(max-width: 1240px) 100vw, 1240px\" \/><\/figure>\n\n\n\n<p>\u6c34\u707e\u4fdd\u9669\u987e\u540d\u601d\u4e49\u5c31\u662f\u5f53\u6211\u4eec\u7684\u8d22\u4ea7\uff0c\u5982\uff1a\u623f\u5b50\u3001\u6c7d\u8f66\u7b49\u56e0\u6c34\u707e\u800c\u906d\u5230\u635f\u5931\uff0c\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u7d22\u53d6\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u800c\u5929\u707e\u4fdd\u9669\uff0c\u53c8\u79f0\u7279\u6b8a\u707e\u5bb3\u4fdd\u9669\uff08Special Perlis\uff09\u3002\u5b83\u7684\u4fdd\u969c\u8303\u56f4\u5c31\u6bd4\u8f83\u5e7f\u6cdb\uff0c\u5305\u62ec\uff1a\u6c34\u707e\u3001\u571f\u5d29\u3001\u8f66\u5b50\u88ab\u7a81\u7136\u5012\u4e0b\u7684\u6811\u6728\u538b\u574f\u3002\u8fd9\u4e9b\u90fd\u662f\u666e\u901a\u7684\u7efc\u5408\u578b\u4fdd\u9669\u6240\u6ca1\u6709\u4fdd\u969c\u7684\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u6839\u636e\u5927\u9a6c\u666e\u901a\u4fdd\u9669\u534f\u4f1a\uff08PIAM\uff09\u7684\u6570\u636e\u8868\u660e\uff0c\u53ea\u6709<a href=\"https:\/\/www.sinchew.com.my\/20220614\/%E6%99%AE%E9%99%A9%E5%85%AC%E4%BC%9A%EF%BC%9A%E6%8A%95%E4%BF%9D%E7%8E%87%E7%A8%8D%E5%A2%9E-%E4%BB%854%E5%9B%BD%E4%BA%BA%E4%B9%B0%E6%B0%B4%E9%99%A9\/\" target=\"_blank\" rel=\"noopener\">4%\u7684\u5927\u9a6c\u4eba<\/a>\u8d2d\u4e70\u6c34\u707e\u9669\u6216\u5929\u707e\u9669\uff0c\u8fd9\u5c31\u5bfc\u81f4\u6c11\u4f17\u635f\u5931\u5de8\u5927\uff0c\u56e0\u6ca1\u6709\u4fdd\u9669\u8d54\u507f\uff0c\u4e0d\u5f97\u4e0d\u652f\u4ed8\u66f4\u591a\u8d44\u91d1\uff0c\u8d22\u52a1\u9677\u5165\u56f0\u5883\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u90a3\u4e48\u6211\u7684\u623f\u5c4b\u4fdd\u9669\u6216\u6c7d\u8f66\u4fdd\u9669\u6709\u4fdd\u969c\u6c34\u707e\u4f24\u5bb3\u5417\uff1f\"><strong>\u90a3\u4e48\u6211\u7684\u623f\u5c4b\u4fdd\u9669\u6216\u6c7d\u8f66\u4fdd\u9669\u6709\u4fdd\u969c\u6c34\u707e\u4f24\u5bb3\u5417\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img decoding=\"async\" width=\"448\" height=\"336\" src=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e\u4fdd\u9669.jpg\" alt=\"\u6c34\u707e\u4fdd\u9669\" class=\"wp-image-52285\" style=\"aspect-ratio:1.3333333333333333;width:448px;height:auto\" srcset=\"https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e\u4fdd\u9669.jpg 448w, https:\/\/valueinmind.co\/wp-content\/uploads\/2023\/12\/\u6c34\u707e\u4fdd\u9669-300x225.jpg 300w\" sizes=\"(max-width: 448px) 100vw, 448px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u623f\u5c4b\u4fdd\u9669\" style=\"color:#009bff\"><strong>\u623f\u5c4b\u4fdd\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5148\u8c08\u623f\u5c4b\u4fdd\u9669\u3002\u4e00\u822c\u6765\u8bf4\uff0c\u57fa\u672c\u7684\u623f\u5c4b\u4fdd\u9669\u653f\u7b56\u4ec5\u5305\u62ec\u706b\u707e\u3001\u96f7\u51fb\u548c\u7206\u70b8\u7684\u4fdd\u62a4\uff0c\u6c34\u707e\u662f\u4e0d\u5728\u4fdd\u969c\u8303\u56f4\u7684\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u7531\u4e8e\u94f6\u884c\u4e5f\u5e0c\u671b\u4fdd\u62a4\u81ea\u5df1\u7684\u5229\u76ca\uff0c\u5982\u679c\u4f60\u7684\u623f\u5c4b\u4f4d\u4e8e\u6c34\u707e\u9ad8\u53d1\u5730\u533a\uff0c\u623f\u5b50\u88ab\u6c34\u707e\u6ce1\u70c2\uff0c\u82e5\u672a\u6765\u94f6\u884c\u9700\u8981\u67e5\u5c01\u6216\u62cd\u5356\uff0c\u90a3\u4ef7\u94b1\u80af\u5b9a\u8dcc\u7834\u9884\u671f\u3002<\/p>\n\n\n\n<p>\u5728\u8fd9\u6837\u7684\u60c5\u51b5\u4e0b\uff0c\u623f\u5c4b\u4fdd\u9669\u662f\u6709\u53ef\u80fd\u5c06\u6c34\u707e\u4fdd\u969c\u7eb3\u5165\u8303\u56f4\u3002\u4e0d\u8fc7\uff0c\u8fd9\u4e00\u70b9\u9700\u8981\u6211\u4eec\u4e0e\u94f6\u884c\u534f\u5546\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6c7d\u8f66\u4fdd\u9669\" style=\"color:#009bff\"><strong>\u6c7d\u8f66\u4fdd\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6c7d\u8f66\u4fdd\u9669\u65b9\u9762\uff0c\u57fa\u672c\u4e0a\u53ea\u4fdd\u969c\u8f66\u8f86\u4e8b\u6545\u3001\u706b\u707e\u3001\u76d7\u7a83\u3001\u7b2c\u4e09\u65b9\u53d7\u4f24\u3001\u8eab\u4ea1\u6216\u8d22\u4ea7\u7684\u635f\u5931\u3002<\/p>\n\n\n\n<p>\u5982\u679c\u4f60\u5e0c\u671b\u4f60\u7684\u6c7d\u8f66\u53d7\u5230\u6c34\u707e\u7684\u4fdd\u969c\uff0c\u552f\u4e00\u7684\u529e\u6cd5\u5c31\u662f\u6dfb\u52a0\u5929\u707e\u4fdd\u9669\u3002\u5f53\u7136\uff0c\u6dfb\u52a0\u5929\u707e\u4fdd\u9669\u7684\u524d\u63d0\u662f\u6211\u4eec\u5df2\u7ecf\u8d2d\u4e70\u4e86\u666e\u901a\u7684\u7efc\u5408\u578b\u6c7d\u8f66\u4fdd\u9669\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u6c34\u707e\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f\"><strong>\u6c34\u707e\u4fdd\u9669\u7684\u8d39\u7528\u662f\u591a\u5c11\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6c7d\u8f66\u4fdd\u9669-1\" style=\"color:#009bff\"><strong>\u6c7d\u8f66\u4fdd\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5982\u679c\u8981\u989d\u5916\u6dfb\u52a0\u6c34\u707e\u4fdd\u9669\u5230\u81ea\u5df1\u7684\u6c7d\u8f66\u4fdd\u9669\u4e2d\uff0c\u6839\u636e <a href=\"https:\/\/www.kurnia.com\/blog\/special-perils-coverage#:~:text=How%20Much%20Does%20the%20Special,of%20the%20vehicle&#039;s%20sum%20insured.\" target=\"_blank\" rel=\"noopener\">Kurnia \u4fdd\u9669<\/a>\u7684\u4f30\u7b97\uff0c\u5929\u707e\u4fdd\u9669\u7684\u9644\u52a0\u4fdd\u8d39\u662f\u6c7d\u8f66\u4ef7\u503c\u76840.2% &#8211; 0.5%\u3002<\/p>\n\n\n\n<p>\u5047\u8bbe\u5c0f\u660e\u7684\u6c7d\u8f66\u4ef7\u503c RM 50,000\uff0c\u90a3\u4e48\u5929\u707e\u4fdd\u9669\u7684\u9644\u52a0\u8d39\u7528\u5927\u7ea6\u662f RM 100 &#8211; RM 250\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u623f\u5c4b\u4fdd\u9669-2\" style=\"color:#009bff\"><strong>\u623f\u5c4b\u4fdd\u9669<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u81f3\u4e8e\u623f\u5c4b\u4fdd\u9669\uff0c\u60c5\u51b5\u4f1a\u6bd4\u8f83\u590d\u6742\u3002<\/p>\n\n\n\n<p>\u623f\u5c4b\u4fdd\u9669\u4e00\u822c\u67093\u79cd\u7c7b\u578b\uff1a<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>1.\u57fa\u672c\u706b\u9669\uff08Basic fire policy\uff09<\/strong><\/p>\n\n\n\n<p>\u57fa\u672c\u706b\u9669\u662f\u6700\u57fa\u7840\u7684\u623f\u5c4b\u4fdd\u9669\uff0c\u4e3b\u8981\u8986\u76d6\u623f\u5c4b\u56e0\u96f7\u51fb\u6216\u706b\u707e\u800c\u53d7\u635f\u5bb3\u7684\u60c5\u51b5\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u503c\u5f97\u6ce8\u610f\u7684\u4e00\u70b9\u662f\uff0c\u8fd9\u4e2a\u4fdd\u5355\u4ec5\u8986\u76d6\u5efa\u7b51\u7269\u7684\u4ef7\u503c\uff0c\u800c\u4e0d\u8986\u76d6\u5efa\u7b51\u7269\u5185\u7684\u5185\u5bb9\u3002\u8fd9\u610f\u5473\u7740\u5728\u706b\u707e\u53d1\u751f\u65f6\uff0c\u9664\u4e86\u8d54\u507f\u5efa\u7b51\u7269\u7684\u4ef7\u503c\uff0c\u706b\u707e\u4e2d\u5bb6\u91cc\u88ab\u70e7\u6389\u7684\u8d22\u4ea7\uff0c\u5982\uff1a\u7535\u89c6\u3001\u5e8a\u3001\u7535\u8111\u3001\u73b0\u91d1\u7b49\u90fd\u662f\u4e0d\u5728\u8d54\u507f\u8303\u56f4\u5185\u7684\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>2.\u5c4b\u4e3b\u4fdd\u5355\uff08Houseowner policy\uff09<\/strong><\/p>\n\n\n\n<p>\u5c4b\u4e3b\u4fdd\u5355\u7684\u4fdd\u969c\u8303\u56f4\u5219\u6bd4\u57fa\u672c\u706b\u9669\u66f4\u4e3a\u5168\u9762\u4e00\u4e9b\uff0c\u5305\u62ec\uff1a\u6076\u52a3\u5929\u6c14\u7684\u635f\u5bb3\u3001\u6c34\u707e\u3001\u706b\u707e\u3001\u7ba1\u9053\u7206\u88c2\u548c\u5176\u4ed6\u53ef\u80fd\u5f71\u54cd\u623f\u5c4b\u7684\u8d1f\u9762\u4e8b\u4ef6\u3002<\/p>\n\n\n\n<p>\u7136\u800c\uff0c\u548c\u57fa\u672c\u706b\u9669\u4e00\u6837\uff0c\u8fd9\u5f20\u4fdd\u5355\u4ec5\u8986\u76d6\u5efa\u7b51\u7269\u7684\u4ef7\u503c\uff0c\u4e0d\u8986\u76d6\u5efa\u7b51\u7269\u91cc\u9762\u7684\u8d22\u4ea7\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>3.\u623f\u5c4b\u6301\u6709\u4eba\u4fdd\u5355\uff08Householder policy\uff09<\/strong><\/p>\n\n\n\n<p>\u623f\u5c4b\u6301\u6709\u4eba\u4fdd\u5355\u5219\u662f\u4fdd\u969c\u5efa\u7b51\u7269\u91cc\u9762\u7684\u8d22\u4ea7\uff0c\u5728\u53d1\u751f\u5982\u706b\u707e\u3001\u6c34\u707e\u7b49\u81ea\u7136\u707e\u5bb3\u7b49\u65f6\u8fdb\u884c\u8d54\u507f\u3002<\/p>\n\n\n\n<p>\u56e0\u6b64\uff0c\u5982\u679c\u4f60\u60f3\u83b7\u5f97\u6c34\u707e\u4fdd\u969c\uff0c\u6211\u4eec\u5fc5\u987b\u540c\u65f6\u8d2d\u4e70\u5c4b\u4e3b\u4fdd\u5355\u548c\u623f\u5c4b\u6301\u6709\u4eba\u4fdd\u5355\u3002\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u4f1a\u76f4\u63a5\u628a\u8fd9\u4e24\u4efd\u4fdd\u5355\u5408\u5e76\u3002<\/p>\n\n\n\n<p>\u800c\u4fdd\u9669\u7684\u8d39\u7528\uff0c\u662f\u6ca1\u6709\u4e00\u4e2a\u56fa\u5b9a\u7684\u8303\u56f4\u7684\uff0c\u4e3b\u8981\u53d6\u51b3\u4ee5\u4e0b\u56e0\u7d20\uff1a<\/p>\n\n\n\n<ul>\n<li>\u623f\u5c4b\u7684\u4ef7\u503c<\/li>\n\n\n\n<li>\u623f\u5c4b\u6709\u51e0\u5c42<\/li>\n\n\n\n<li>\u623f\u5c4b\u91cc\u9762\u7684\u8d22\u4ea7\u4ef7\u503c<\/li>\n\n\n\n<li>\u623f\u5c4b\u7684\u5730\u7406\u4f4d\u7f6e\u3002\u4e00\u822c\u800c\u8a00\uff0c\u5982\u679c\u4f60\u7684\u623f\u5b50\u4f4d\u4e8e\u6c34\u707e\u9ad8\u53d1\u533a\uff0c\u4fdd\u8d39\u53ef\u80fd\u6bd4\u8f83\u9ad8\u3002\u5728\u6781\u7aef\u60c5\u51b5\u4e0b\uff0c\u4e00\u4e9b\u4fdd\u9669\u516c\u53f8\u751a\u81f3\u53ef\u80fd\u62d2\u7edd\u63d0\u4f9b\u623f\u5c4b\u4fdd\u9669\u3002<\/li>\n<\/ul>\n\n\n\n<p>\u5982\u679c\u4f60\u60f3\u77e5\u9053\u9644\u52a0\u4e86\u6c34\u707e\u4fdd\u9669\u7684\u623f\u5c4b\u4fdd\u9669\uff0c\u9700\u8981\u591a\u5c11\u9884\u7b97\uff0c\u4f60\u53ef\u4ee5\u5229\u7528 <a href=\"https:\/\/etiqa.com.my\/hohh\/insurance\/en\/qq1?gad_source=1&amp;gclid=CjwKCAiA1fqrBhA1EiwAMU5m_3PAHk7sC4oRvmD5_QZjRA5veCU6XljxfqxOY6Pg6MbjZkvvBOIxARoCjksQAvD_BwE\" target=\"_blank\" rel=\"noopener\">Etiqa \u7684\u4fdd\u8d39\u8ba1\u7b97\u673a<\/a>\u5e2e\u4f60\u505a\u51fa\u9884\u7b97\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\uff1f\"><strong>\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\uff1f<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u63d0\u51fa\u4fdd\u9669\u8d54\u507f\uff0c\u6700\u91cd\u8981\u7684\u5c31\u662f\u8981\u5728\u89c4\u5b9a\u7684\u671f\u9650\u5185\u63d0\u51fa\u3002\u5173\u4e8e\u4fdd\u9669\u7406\u8d54\u7684\u671f\u9650\uff0c\u4e0d\u540c\u7684\u4fdd\u9669\u516c\u53f8\u6709\u4e0d\u540c\u7684\u89c4\u5b9a\uff0c\u9700\u8981\u4f60\u53bb\u9605\u8bfb\u6761\u6b3e\u6216\u8005\u627e\u4f60\u7684\u4fdd\u9669\u4ee3\u7406\u786e\u5b9a\u3002<\/p>\n\n\n\n<p>\u63a5\u4e0b\u6765\uff0c\u5c06\u4e3a\u4f60\u5206\u4eab\u7d22\u8d54\u7684\u5177\u4f53\u6b65\u9aa4\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u623f\u5c4b\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4\" style=\"color:#009bff\"><strong>\u623f\u5c4b\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5f53\u6c34\u707e\u635f\u574f\u4f60\u7684\u623f\u5c4b\u4ee5\u53ca\u623f\u5c4b\u5185\u7684\u8d22\u4ea7\u65f6\uff0c<\/p>\n\n\n\n<p>1.\u5c3d\u5feb\u901a\u77e5\u4f60\u7684\u4fdd\u9669\u4ee3\u7406\u6216\u4fdd\u9669\u516c\u53f8<\/p>\n\n\n\n<p>2.\u63d0\u4f9b\u7167\u7247\u3001\u6587\u4ef6\u7b49\u76f8\u5173\u4fe1\u606f\uff0c\u4ee5\u8ba9\u4fdd\u9669\u516c\u53f8\u638c\u63e1\u6c34\u707e\u5bf9\u4f60\u7684\u8d22\u4ea7\u7684\u635f\u5bb3\u7a0b\u5ea6\u5f71\u54cd\u5982\u4f55<\/p>\n\n\n\n<p>3.\u4fdd\u9669\u516c\u53f8\u8fdb\u884c\u8c03\u67e5\u6838\u5b9e\u5de5\u4f5c\uff0c\u8bc4\u4f30\u635f\u5bb3\u7a0b\u5ea6<\/p>\n\n\n\n<p>4.\u4fdd\u9669\u516c\u53f8\u5c06\u6839\u636e\u4f60\u6295\u4fdd\u7684\u4fdd\u969c\u91d1\u989d\u7ed9\u51fa\u8d54\u507f<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u6c7d\u8f66\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4\" style=\"color:#009bff\"><strong>\u6c7d\u8f66\u6c34\u707e\u4fdd\u9669\u8d54\u507f\u6b65\u9aa4<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u5f53\u6c7d\u8f66\u88ab\u6c34\u6ce1\u65f6\uff0c<\/p>\n\n\n\n<p>1.\u62cd\u6444\u4f60\u7684\u8f66\u8f86\u7167\u7247\uff0c\u4ee5\u53ca\u6c34\u707e\u9020\u6210\u7684\u635f\u5bb3<\/p>\n\n\n\n<p>2.\u53bb\u505a\u4e00\u4e2a\u8b66\u65b9\u62a5\u544a\uff0c\u51e0\u4e4e\u6bcf\u4e2a\u4fdd\u9669\u7406\u8d54\u65f6\u90fd\u4f1a\u8981\u6c42\u8981\u8b66\u65b9\u62a5\u544a\u6765\u8f85\u52a9\u8bc1\u660e<\/p>\n\n\n\n<p>3.\u8054\u7cfb\u4f60\u7684\u4ee3\u7406\u6216\u4fdd\u9669\u516c\u53f8<\/p>\n\n\n\n<p>4.\u4f60\u7684\u4fdd\u9669\u4ee3\u7406\u6216\u516c\u53f8\u5c06\u8fdb\u4e00\u6b65\u534f\u52a9\u4f60\u8fdb\u884c\u7406\u8d54\u7a0b\u5e8f<\/p>\n\n\n\n<p>\u9700\u8981\u6ce8\u610f\u7684\u662f\uff0c\u5f53\u6c7d\u8f66\u6ce1\u5728\u6c34\u4e2d\u65f6\uff0c\u5343\u4e07\u4e0d\u8981\u542f\u52a8\u5f15\u64ce\u3002\u8fd9\u6837\u505a\u53ef\u80fd\u4f1a\u5bfc\u81f4\u8fdb\u6c34\u8fdb\u5165\u7535\u6c14\u7cfb\u7edf\uff0c\u4ece\u800c\u5f15\u53d1\u706b\u707e\u7b49\u8fdb\u4e00\u6b65\u7684\u635f\u5bb3\u3002<\/p>\n\n\n\n<p>\u6211\u4eec\u5e94\u8be5\u76f4\u63a5\u8054\u7cfb\u4fdd\u9669\u516c\u53f8\uff0c\u8bf7\u4ed6\u4eec\u8fdb\u884c\u62d6\u8f66\u670d\u52a1\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color\" id=\"\u4fdd\u9669\u8d54\u507f\u9700\u8981\u591a\u957f\u7684\u65f6\u95f4\uff1f\" style=\"color:#009bff\"><strong>\u4fdd\u9669\u8d54\u507f\u9700\u8981\u591a\u957f\u7684\u65f6\u95f4\uff1f<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u4fdd\u9669\u7406\u8d54\u7684\u65f6\u95f4\u4e3b\u8981\u53d6\u51b3\u4e8e\u635f\u5bb3\u7684\u7c7b\u578b\u4ee5\u53ca\u4e25\u91cd\u7a0b\u5ea6\uff0c\u671f\u9650\u4e5f\u56e0\u4fdd\u9669\u5546\u800c\u5f02\u3002\u5e73\u5747\u800c\u8a00\uff0c\u63d0\u51fa\u7d22\u8d54\u540e\uff0c\u4fdd\u9669\u5546\u7684\u8d54\u507f\u4ed8\u6b3e\u53ef\u80fd\u9700\u8981 21 \u81f3 60 \u4e2a\u5de5\u4f5c\u65e5\u624d\u80fd\u53d1\u653e\u3002<\/p>\n\n\n\n<p>\u4f60\u53ef\u4ee5\u53c2\u8003<a href=\"https:\/\/piam.org.my\/guidelines-on-claims\/\" target=\"_blank\" rel=\"noopener\">\u5927\u9a6c\u666e\u901a\u4fdd\u9669\u534f\u4f1a\uff08PIAM\uff09<\/a>\u5173\u4e8e\u7406\u8d54\u3001\u4fee\u7406\u548c\u7406\u8d54\u534f\u5546\u8fc7\u7a0b\u7684\u6307\u5357\uff0c\u4ee5\u53ca\u5728PIAM\u548c<a href=\"https:\/\/www.ofs.org.my\/en\/\" target=\"_blank\" rel=\"noopener\">\u91d1\u878d\u670d\u52a1\u7533\u8bc9\u4e13\u5458\u7f72\uff08Ombudsman for Financial Services\uff09<\/a>\u8ffd\u8e2a\u8d54\u507f\u8fdb\u5ea6\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u603b\u7ed3\"><strong>\u603b\u7ed3<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6211\u4eec\u771f\u7684\u9700\u8981\u6c34\u707e\u4fdd\u9669\u6216\u5929\u707e\u4fdd\u9669\u5417\uff1f<\/p>\n\n\n\n<p>\u8fd9\u4e2a\u95ee\u9898\u4e3b\u8981\u53d6\u51b3\u4e8e\u4f60\u672c\u4eba\uff0c\u5982\u679c\u4f60\u89c9\u5f97\u4f60\u6240\u5904\u7684\u5730\u533a\u5730\u52bf\u504f\u9ad8\uff0c\u57fa\u672c\u6ca1\u6709\u53d1\u751f\u6c34\u707e\u7684\u53ef\u80fd\uff0c\u4f60\u5f53\u7136\u53ef\u4ee5\u9009\u62e9\u4e0d\u6295\u4fdd\u3002<\/p>\n\n\n\n<p>\u4f46\u662f\uff0c\u4ef7\u503c\u601d\u7ef4\u89c9\u5f97\u9632\u8303\u80dc\u4e8e\u672a\u7136\uff0c\u6709\u5907\u65e0\u60a3\u3002\u5c31\u7b97\u4f60\u4f4f\u5728\u5730\u52bf\u9ad8\u7684\u5730\u533a\uff0c\u4f46\u6211\u4eec\u662f\u4f1a\u9a7e\u8f66\u51fa\u95e8\u7684\u3002\u50cf\u8fd9\u6b21\uff0c\u5982\u679c\u6211\u4eec\u6070\u5de7\u5230 <a href=\"https:\/\/www.orientaldaily.com.my\/news\/central\/2023\/12\/16\/618280\" target=\"_blank\" rel=\"noopener\">IOI Puchong \u5546\u573a<\/a>\u901b\u8857\uff0c\u7231\u8f66\u5c31\u6ce1\u6c34\u8d2c\u503c\u4e86\u3002\u610f\u5916\u5c31\u662f\u5982\u6b64\u7684\u65e0\u5e38\u3002\u4f46\u4fdd\u9669\u53ef\u4ee5\u5e2e\u6211\u4eec\u628a\u8fd9\u4e2a\u635f\u5931\u964d\u5230\u6700\u4f4e\u3002<\/p>\n\n\n\n<p>\u5f53\u7136\uff0c\u5e0c\u671b\u6211\u4eec\u6c38\u8fdc\u4e0d\u9700\u8981\u6709\u52a8\u7528\u4fdd\u9669\u8d54\u507f\u7684\u4e00\u5929\u3002<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u5ef6\u4f38\u9605\u8bfb\"><strong>\u5ef6\u4f38\u9605\u8bfb<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/best-insurances-that-suit-b40\/\"><strong>\u30102023\u5e74\u3011\u9069\u5408\u5927\u99acB40\u4f4e\u6536\u5165\u7fa4\u9ad4\u76849\u7a2e\u53ef\u8ca0\u64d4\u653f\u5e9c\u548c\u5176\u4ed6\u5ec9\u50f9\u4fdd\u96aa<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-sksps\/\"><strong>PERKESO\u7684SKSPS\u4fdd\u9669\uff01\u4fdd\u969cGrab\u3001Foodpanda\u53f8\u673a\u53caFreelancer\u7684\u5de5\u4f24\u8d54\u507f\uff01<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/what-is-epf-i-lindung-insurance\/\"><strong>\u4ec0\u9ebc\u662f EPF i-Lindung? \u5982\u4f55\u901a\u904e EPF \u8cb7\u4fdd\u96aa\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/unemployment-allowances-eis-malaysia\/\"><strong>EIS\u5c31\u696d\u4fdd\u96aa\u6d25\u8cbc | \u5931\u696d\u5728\u5bb6\u4e5f\u4e0d\u6015\u6c92\u9322\u904e\u65e5\u5b50\uff0c\u4f60\u53ef\u4ee5\u9818\u53d6\u9577\u90546\u500b\u6708\u7684\u6d25\u8cbc\uff01<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/beginner-guide-to-insurance-1-how-to-choose-insurance\/\"><strong>\u65b0\u624b\u4fdd\u96aa\u5165\u9580\u5fc5\u77e5\uff08\u4e00\uff09| \u7b2c\u4e00\u6b21\u8cb7\u4fdd\u96aa\u61c9\u8a72\u8cb7\u4ec0\u9ebc\uff1f\u5982\u4f55\u898f\u5283\u4fdd\u96aa\uff1f<\/strong><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/valueinmind.co\/zh\/beginner-guide-to-insurance-2-things-to-consider-when-buying-insurance\/\"><strong>\u65b0\u624b\u4fdd\u96aa\u5165\u9580\u5fc5\u77e5\uff08\u4e8c\uff09| \u4fdd\u96aa\u8d8a\u65e9\u8cb7\u8d8a\u597d\uff1f\u8cb7\u4fdd\u96aa\u6642\u9700\u8981\u6ce8\u610f\u768410\u5927\u4e8b\u9805\uff01<\/strong><\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"\u514d\u8d23\u58f0\u660e\"><strong>\u514d\u8d23\u58f0\u660e<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>\u6b64\u6587\u7ae0\u5185\u5bb9\u4ec5\u4f5c\u4e3a\u6559\u5b66\u3001\u5206\u4eab\u53ca\u53c2\u8003\u7684\u7528\u9014\uff0c\u800c\u975e\u4e13\u4e1a\u7684\u6295\u8d44\u5efa\u8bae\u3002\u7531\u4e8e\u4e2a\u4eba\u7684\u60c5\u51b5\u53ca\u9700\u6c42\u4e0d\u540c\uff0c\u4f60\u53ef\u4ee5\u8054\u7cfb\u4ef7\u503c\u601d\u7ef4\u6216\u54a8\u8be2\u4f60\u7684\u7406\u8d22\u89c4\u5212\u5e08\u4ee5\u53d6\u5f97\u4e13\u4e1a\u7684\u5efa\u8bae\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u6bcf\u5e74\u5e74\u672b\uff0811\u6708-12\u6708\uff09\u90fd\u662f\u9a6c\u6765\u897f\u4e9a\u53d1\u751f\u6c34\u707e\u7684\u9ad8\u5cf0\u5b63\u8282\u3002\u5f53\u6c7d\u8f66\u6ce1\u6c34\u3001\u623f\u5c4b\u53d7\u5230\u6c34\u707e\u635f\u5bb3\uff0c\u6211\u4eec\u53ef\u4ee5\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\u5417\uff1f\u662f\u4e0d\u662f\u53ea\u6709\u5929\u707e\u4fdd\u9669\u53ef\u4ee5\u8d54\u507f\u5417\uff1f\u8fd9\u7bc7\u6587\u7ae0\u4f1a\u4e3a\u4f60\u8be6\u89e3\u6c34\u707e\u4fdd\u9669\u548c\u5929\u707e\u4fdd\u9669\u7684\u4fdd\u969c\u8303\u56f4\u3001\u4fdd\u8d39\u4ee5\u53ca\u5982\u4f55\u83b7\u5f97\u4fdd\u9669\u8d54\u507f\u7684\u6b65\u9aa4\u3002<\/p>\n","protected":false},"author":62,"featured_media":52288,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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