{"id":32886,"date":"2024-07-30T10:05:25","date_gmt":"2024-07-30T10:05:25","guid":{"rendered":"https:\/\/marf.staging.edensestagingsprint3.com\/memahami-tentang-insurans\/"},"modified":"2025-03-18T05:15:18","modified_gmt":"2025-03-18T05:15:18","slug":"memahami-tentang-insurans","status":"publish","type":"page","link":"https:\/\/marf.org.my\/ms\/memahami-tentang-insurans\/","title":{"rendered":"Memahami tentang insurans"},"content":{"rendered":"

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Memahami tentang insurans<\/h1>\n

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Siri Mengurus Wang<\/strong><\/h1>\n

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Kad debit, kad kredit, pemindahan wang atas talian dan E-dompet<\/p>\n

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Bank, akaun bank dan perbankan atas talian<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.27.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.2″ _module_preset=”default” text_text_color=”#FFFFFF” background_color=”gcid-primary-color” text_orientation=”center” height=”130px” custom_margin=”||||false|false” custom_padding=”20px|20px|20px|20px|true|true” link_option_url=”https:\/\/marf.org.my\/ms\/pinjaman-bank-dan-kredit\/” custom_css_main_element=”display: flex;||align-items: center;||||||” border_radii=”on|20px|20px|20px|20px” locked=”off” global_colors_info=”{%22gcid-primary-color%22:%91%22background_color%22,%22background_color%22%93,%22gcid-heading-color%22:%91%22background_color__hover%22%93}” background_color__hover=”#e27c00″ background__hover_enabled=”on|hover” background_enable_color__hover=”on”]<\/p>\n

Pinjaman bank dan kredit<\/p>\n

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Penjimatan & Belanjawan<\/p>\n

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Lindungi diri anda daripada terkena \u2018scam\u2019<\/p>\n

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Apakah itu insurans?<\/h1>\n

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Insurans adalah suatu jenis perkhidmatan yang anda bayar untuk melindungi anda daripada peristiwa yang tidak disangka yang boleh menyebabkan kerugian kewangan anda. Anda membayar yuran bulanan secara tetap, dipanggil premium, dan sebagai balasan syarikat insurans berjanji untuk membantu membayar kos tertentu, seperti bil perubatan atau pembaikan kereta, jika kemalangan; penyakit atau sesuatu yang tidak dijangka berlaku.<\/p>\n

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Di Malaysia, terdapat beberapa jenis skim insurans yang mungkin anda perlukan: <\/span><\/p>\n

Insurans Kesihatan: <\/span><\/h2>\n

Membantu membayar perbelanjaan perubatan jika anda jatuh sakit atau tercedera disebabkan kemalangan. <\/span><\/p>\n

Insurans Hayat: <\/span><\/h2>\n

Menyediakan pembiayaan kepada keluarga anda apabila sesuatu berlaku kepada anda atau anda meninggal dunia. <\/span><\/p>\n

Insurans Kereta: <\/span><\/h2>\n

Melindungi kerosakan pada kereta anda atau kereta orang lain jika anda mengalami kemalangan. <\/span><\/p>\n

insurans kediaman: <\/span><\/h2>\n

Melindungi kediaman, peralatan dan perkakas rumah anda daripada kerosakan disebabkan bencana alam, kecurian atau kegiatan pecah rumah. <\/span><\/p>\n

Insurans Perniagaan: <\/span><\/h2>\n

Melindungi daripada kebakaran, banjir, bencana alam, kehilangan stok, kegiatan pecah rumah dan tuntutan undang-undang. Ia meliputi risiko yang boleh berlaku di lokasi perniagaan. <\/span><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Bagaimanakah cara untuk membeli Insurans?” open_toggle_text_color=”#FFFFFF” icon_color=”#FFFFFF” toggle_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#FFFFFF” open_toggle_icon=”||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” module_class=”pa-toggle-icon-left” _builder_version=”4.25.1″ _module_preset=”default” title_text_color=”#FFFFFF” title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_font_size=”28px” title_line_height=”1.1em” body_text_align=”left” body_text_color=”#FFFFFF” background_color=”#0198cf” text_orientation=”left” custom_padding=”||||false|false” title_font_size_tablet=”26px” title_font_size_phone=”21px” title_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|phone” custom_css_toggle_title=”padding-left: 15px!important;” locked=”off” global_colors_info=”{}”]<\/p>\n

Pilih syarikat insurans yang bertauliah: <\/span><\/h2>\n

Anda boleh membeli pelbagai jenis skim insurans melalui syarikat insurans yang bertauliah. Minta cadangan daripada rakan atau ahli keluarga atau baca ulasan atas talian. <\/span><\/p>\n

Berbincang dengan ejen:<\/span><\/h2>\n

Ejen insurans boleh membantu menjelaskan pelbagai polisi insurans yang tersedia. Mereka akan bertanya soalan-soalan khusus kepada anda untuk memahami jenis perlindungan yang anda perlukan <\/span><\/p>\n

Isi borang permohonan: <\/span><\/h2>\n

Anda perlu mengisi beberapa borang dengan maklumat peribadi anda. Ejen boleh membantu anda menyempurnakan ini. <\/span><\/p>\n

Bayar yuran premium: <\/span><\/h2>\n

Anda perlu membayar premium secara tetap, biasanya bulanan atau tahunan, untuk memastikan perlindungan anda aktif. Jumlahnya berbeza berdasarkan faktor seperti umur dan jenis perlindungan, terutamanya untuk insurans kesihatan. Pastikan anda membayar tepat pada masanya untuk mengekalkan perlindungan anda. <\/span><\/p>\n

Pastikan dokumen anda selamat: <\/span><\/h2>\n

Sebaik sahaja anda mempunyai polisi insurans anda, simpan semua dokumen fizikal atau digital di tempat yang selamat. Anda akan memerlukannya apabila anda membuat tuntutan. <\/span><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Membuat Tuntutan” open_toggle_text_color=”#FFFFFF” icon_color=”#FFFFFF” toggle_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#FFFFFF” open_toggle_icon=”||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” module_class=”pa-toggle-icon-left” _builder_version=”4.25.1″ _module_preset=”default” title_text_color=”#FFFFFF” title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_font_size=”28px” title_line_height=”1.1em” body_text_align=”left” body_text_color=”#FFFFFF” background_color=”#0198cf” text_orientation=”left” custom_padding=”||||false|false” title_font_size_tablet=”26px” title_font_size_phone=”21px” title_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|phone” custom_css_toggle_title=”padding-left: 15px!important;” locked=”off” global_colors_info=”{}”]<\/p>\n

Jika musibah berlaku kepada anda dan anda perlu menggunakan peruntukan insurans, anda perlu membuat tuntutan:<\/span><\/p>\n

<\/span><\/p>\n

1. Beritahu syarikat insurans: <\/span>Beritahu mereka apa yang telah berlaku secepat mungkin.<\/span><\/h2>\n

2. Isi borang tuntutan: <\/span>Anda perlu memberikan butiran terperinci tentang apa yang berlaku.<\/span><\/h2>\n

3. Serahkan bukti: <\/span>Berikan sebarang dokumen yang diperlukan, seperti bil perubatan atau resit pembaikan kereta berserta laporan polis \u2013 jika laporan telah dibuat.<\/span><\/h2>\n

4. Tunggu kelulusan: <\/span>Syarikat insurans akan menyemak tuntutan anda dan memberitahu anda jika mendapat kelulusan.<\/span><\/h2>\n

5. Terima bayaran: <\/span>Jika tuntutan anda diluluskan, syarikat insurans akan membayar perbelanjaan mengikut skim yang dilindungi.<\/span>
<\/span><\/h2>\n

[\/et_pb_toggle][et_pb_toggle title=”Minta Bantuan” open_toggle_text_color=”#FFFFFF” icon_color=”#FFFFFF” toggle_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#FFFFFF” open_toggle_icon=”||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” disabled_on=”off|off|off” module_class=”pa-toggle-icon-left” _builder_version=”4.27.0″ _module_preset=”default” title_text_color=”#FFFFFF” title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_font_size=”28px” title_line_height=”1.1em” body_text_align=”left” body_text_color=”#FFFFFF” background_color=”#0198cf” text_orientation=”left” custom_padding=”||||false|false” title_font_size_tablet=”26px” title_font_size_phone=”21px” title_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|phone” custom_css_toggle_title=”padding-left: 15px!important;” locked=”off” global_colors_info=”{}”]<\/p>\n

Jika anda menghadapi sebarang masalah untuk memahami atau mengurus keperluan insurans anda, minta bantuan daripada yang berikut: <\/span><\/p>\n

Ahli keluarga atau rakan: <\/span><\/h2>\n

Mereka boleh membantu menerangkan sesuatu atau membantu dengan pengisian borang. <\/span><\/p>\n

Ejen insurans: <\/span><\/h2>\n

Jika anda membeli polisi insurans anda melalui ejen, hubungi mereka untuk mendapatkan bantuan. <\/span><\/p>\n

Perkhidmatan pelanggan: <\/span><\/h2>\n

Kebanyakan syarikat insurans mempunyai wakil perkhidmatan pelanggan yang boleh menjawab soalan-soalan anda. <\/span><\/p>\n

[\/et_pb_toggle][et_pb_toggle title=”Hak dan Tanggungjawab” open_toggle_text_color=”#FFFFFF” icon_color=”#FFFFFF” toggle_icon=”||divi||400″ use_icon_font_size=”on” icon_font_size=”20px” open_icon_color=”#FFFFFF” open_toggle_icon=”||divi||400″ open_use_icon_font_size=”on” open_icon_font_size=”20px” disabled_on=”off|off|off” module_class=”pa-toggle-icon-left” _builder_version=”4.27.0″ _module_preset=”default” title_text_color=”#FFFFFF” title_level=”h2″ title_font=”|700|||||||” title_text_align=”left” title_font_size=”28px” title_line_height=”1.1em” body_text_align=”left” body_text_color=”#FFFFFF” background_color=”#0198cf” text_orientation=”left” custom_padding=”||||false|false” title_font_size_tablet=”26px” title_font_size_phone=”21px” title_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”14px” body_font_size_last_edited=”on|phone” body_line_height_tablet=”” body_line_height_phone=”1.6em” body_line_height_last_edited=”on|phone” custom_css_toggle_title=”padding-left: 15px!important;” locked=”off” global_colors_info=”{}”]<\/p>\n

Anda perlu tahu bahawa anda mempunyai hak untuk:<\/span><\/p>\n

    \n
  • Fahami perkara yang dilindungi oleh skim insurans anda. <\/span><\/li>\n
  • Tanya soalan jika ada sesuatu yang tidak jelas.<\/span><\/li>\n
  • Dapatkan bantuan jika anda memerlukannya. <\/span><\/li>\n<\/ul>\n

    Dan anda mempunyai tanggungjawab untuk: <\/span><\/p>\n

      \n
    • Memberi maklumat yang tepat.<\/span><\/li>\n
    • Membayar premium anda tepat pada masa yang telah ditetapkan.<\/span><\/li>\n
    • Melaporkan sebarang tuntutan dengan jujur. <\/span><\/li>\n<\/ul>\n

      Membeli skim insurans adalah tentang melindungi diri anda dan orang tersayang daripada beban kewangan yang tidak dijangka. Adalah penting untuk memahami keperluan anda, memilih skim perlindungan yang betul dan mengikut jadual pembayaran yang telah ditetapkan. Jika anda memerlukan bantuan, jangan teragak-agak untuk meminta seseorang yang anda percayai atau menghubungi syarikat insurans untuk mendapatkan bantuan. <\/span><\/p>\n

      [\/et_pb_toggle][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.1″ _module_preset=”default” custom_padding=”||||false|false” da_disable_devices=”off|off|off” locked=”off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.25.1″ _module_preset=”default” header_font=”|800|||||||” header_text_align=”center” header_text_color=”gcid-primary-color” header_font_size_tablet=”” header_font_size_phone=”20px” header_font_size_last_edited=”on|phone” global_colors_info=”{%22gcid-primary-color%22:%91%22header_text_color%22%93}”]<\/p>\n

      Terus berhubung!<\/h1>\n

      [\/et_pb_text][et_pb_button button_url=”https:\/\/marf.org.my\/subscribe\/” button_text=”Langgan” button_alignment=”center” _builder_version=”4.25.1″ _module_preset=”default” custom_button=”on” button_text_size=”20px” button_text_color=”#FFFFFF” button_bg_color=”#0198cf” button_border_radius=”38px” button_font=”|700|||||||” button_use_icon=”off” custom_padding=”|70px||70px|false|true” button_text_size_tablet=”18px” button_text_size_phone=”17px” button_text_size_last_edited=”on|desktop” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

      Memahami tentang insuransSiri Mengurus WangKad debit, kad kredit, pemindahan wang atas talian dan E-dompetBank, akaun bank dan perbankan atas talianPinjaman bank dan kreditPenjimatan & BelanjawanLindungi diri anda daripada terkena \u2018scam\u2019Apakah itu insurans?Insurans adalah suatu jenis perkhidmatan yang anda bayar untuk melindungi anda daripada peristiwa yang tidak disangka yang boleh menyebabkan kerugian kewangan anda. Anda membayar […]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_joinchat":[],"footnotes":""},"class_list":["post-32886","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/32886","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/comments?post=32886"}],"version-history":[{"count":0,"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/pages\/32886\/revisions"}],"wp:attachment":[{"href":"https:\/\/marf.org.my\/ms\/wp-json\/wp\/v2\/media?parent=32886"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}