Insurans merupakan satu perjanjian kewangan atau kontrak antara individu atau entiti (pemegang polisi) dengan syarikat insurans untuk mengurus risiko.<\/p>\n\n\n\n
Apabila pemegang polisi membayar premium, syarikat insurans bersetuju memberi perlindungan kewangan dan … terhadap risiko, kerugian dan peristiwa luar dugaan.<\/p>\n\n\n\n
Tujuan memiliki insurans\/takaful ialah mengurangkan kesan kewangan jika berlaku peristiwa luar dugaan, seperti kemalangan, penyakit, kerosakan harta benda dan liabiliti, menerusi penyebaran risiko antara pemegang polisi.<\/p>\n\n\n\n
Terdapat beberapa kategori insurans\/takaful termasuklah insurans\/takaful hayat, perubatan dan am.<\/p>\n\n\n\n
Insurans\/takaful hayat memberi pampasan kepada penama sekiranya berlaku kematian kepada pemegang polisi atau pampasan untuk kecacatan kekal manakal insurans\/takaful perubatan membiayai kos rawatan dan perubatan untuk penyakit yang dilindungi.<\/p>\n\n\n\n
Sementara itu, insurans\/takaful am pula melindungi kita daripada kerugian akibat kerosakan harta benda seperti motor, kereta, kebakaran dan perjalanan.<\/p>\n\n\n\n
Premium merupakan adalah jumlah yang perlu dibayar setiap bulan oleh pemegang polisi untuk mengaktifkan perlindungan insurans.<\/p>\n\n\n\n
Premium boleh dibayar secara bulanan, setiap tiga bulan, setengah tahunan, atau tahunan, bergantung kepada kesediaan kewangan pemegang polisi.<\/p>\n\n\n\n
Jumlah premium bulanan bergantung kepada faktor-faktor seperti usia, jenis insurans, dan jumlah perlindungan yang diinginkan. <\/p>\n\n\n\n
Perlindungan insurans sangat penting kerana ia memberikan ketenangan fikiran dan membantu mengurangkan risiko kewangan dalam kehidupan.<\/p>\n\n\n\n
Dalam kehidupan yang penuh ketidakpastian, insurans berperanan sebagai benteng kewangan untuk melindungi diri kita dan keluarga daripada kerugian luar jangka.<\/p>\n\n\n\n
Misalnya, insurans hayat menyediakan pampasan kewangan kepada keluarga jika pemegang polisi meninggal dunia manakala insurans perubatan meringankan beban untuk kos rawatan terutamanya untuk penyakit kritikal.<\/p>\n\n\n\n
Tanpa insurans\/takaful, kita mungkin kehabisan wang jika berlaku perkara luar dugaan, dan tidak mustahil perlu bermula semula untuk membina tabungan.<\/p>\n\n\n\n
<\/p>","protected":false},"excerpt":{"rendered":"
Insurans merupakan satu perjanjian kewangan atau kontrak antara individu atau entiti (pemegang polisi) dengan syarikat insurans untuk mengurus risiko. Apabila […]<\/p>","protected":false},"author":1,"featured_media":496,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","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":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[27],"tags":[29],"class_list":["post-451","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurans","tag-insurans"],"_links":{"self":[{"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/posts\/451","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/comments?post=451"}],"version-history":[{"count":1,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/posts\/451\/revisions"}],"predecessor-version":[{"id":452,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/posts\/451\/revisions\/452"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/media\/496"}],"wp:attachment":[{"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/media?parent=451"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/categories?post=451"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/utaqhaventures.com\/en\/wp-json\/wp\/v2\/tags?post=451"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}