{"id":3138,"date":"2012-12-08T09:53:22","date_gmt":"2012-12-08T01:53:22","guid":{"rendered":"http:\/\/blog.imoney.my\/?p=3138"},"modified":"2018-01-12T09:55:45","modified_gmt":"2018-01-12T01:55:45","slug":"berbagai-pakej-insurans-dan-pilihan-yang-berbeza-bm","status":"publish","type":"post","link":"https:\/\/www.imoney.my\/articles\/berbagai-pakej-insurans-dan-pilihan-yang-berbeza-bm","title":{"rendered":"Berbagai Pakej Insurans Perjalanan dan Pilihan Yang Berbeza"},"content":{"rendered":"

\"insurance\"<\/p>\n

Yang paling susah ialah menentukan pakej insurans perjalanan mana yang paling sesuai untuk diri anda. Sebelum anda meluangkan berjam-jam menganalisa pakej-pakej yang berbeza, anda kena buat senarai manfaat dan perlindungan yang anda mahu dari polisi insurans anda. Manfaat yang diperlukan mungkin termasuk ganti rugi kehilangan begasi, penangguhan perjalanan, bayaran perubatan dan penghantaran pulang mayat (dalam kes kematian). Pada umumnya lagi banyak perlindungan yang diiperlukan, lagi tinggi harga polisi.<\/p>\n

Berikut adalah beberapa pertimbangan yang boleh membantu anda dalam membuat keputusan:<\/p>\n

<\/span>Polisi insurans lain yang sedia ada<\/span><\/h2>\n

Jika anda telah membeli lain-lain pakej insurans seperti insurans kesihatan, semak polisi sedia ada dan pastikan sama ada ia juga melindungi situasi di luar negeri. Juga ingat bahawa dalam kes bayaran perubatan, anda hanya akan dibayar ganti rugi sekali saja walaupun anda ada banyak polisi.<\/p>\n

<\/span>Kelayakan anda<\/span><\/h2>\n

Anda kena timbang pasal syarat-syarat yang dikenakan berkenaan dengan umur, jenis dan tempoh perjalanan.<\/p>\n

<\/span>Rangkaian yang bagus dengan rakan gabungan luar negara<\/span><\/h2>\n

Ini ciri yang penting kerana syarikat insurans yang anda pilih perlu mampu membantu anda di Negara yang anda lawati. Jadi penginsurans yang mempunyai hubungan antarabangsa yang baik benar-benar dapat membantu anda di saat-saat kecemasan.<\/p>\n

<\/span>Bantuan Kecemasan<\/span><\/h2>\n

Pastikan dengan syarikat insurans anda jenis bantuan kecemasan yang ada. Lebih penting lagi, pastikan anda dapat hubungi mereka bila-bila masa, iaitu sama ada terdapat bantuan kecemasan 24 jam.<\/p>\n

<\/span>Fasal Pengecualian<\/span><\/h2>\n

Anda dinasihatkan membaca dan faham dengan baik fasal pengecualian polisi. Fasal pengecualian adalah perkara-perkara yang tidak dilindungi atau tidak akan dibayar ganti rugi oleh penginsurans. Misalnya, kebanyakan polisi insurans tidak melindungi kematian akibat bunuh diri. Sebelum anda ambil insurans perjalanan, pastikan sama ada terdapat tempat atau aktiviti yang dilarang atau dikecualikan.<\/p>\n","protected":false},"excerpt":{"rendered":"

Yang paling susah ialah menentukan pakej insurans perjalanan mana yang paling sesuai untuk diri anda. Sebelum anda meluangkan berjam-jam menganalisa pakej-pakej yang berbeza, anda kena buat senarai manfaat dan perlindungan yang anda mahu dari polisi insurans anda. Manfaat yang diperlukan mungkin termasuk ganti rugi kehilangan begasi, penangguhan perjalanan, bayaran perubatan dan penghantaran pulang mayat (dalam… View Article<\/a><\/p>\n","protected":false},"author":1,"featured_media":8859,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[326,205],"tags":[279],"class_list":["post-3138","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artikel-terkini","category-insurans","tag-bm"],"acf":[],"yoast_head":"\nBerbagai Pakej Insurans Perjalana dan Pilihan Yang Berbeza<\/title>\n<meta name=\"description\" content=\"Sebelum anda meluangkan masa menganalisa pakej yang berbeza, anda kena buat senarai manfaat dan perlindungan yang anda mahu dari polisi insurans anda.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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