{"id":9939,"date":"2026-07-01T12:38:44","date_gmt":"2026-07-01T05:38:44","guid":{"rendered":"https:\/\/ligaasuransi.com\/?p=9939"},"modified":"2026-07-01T12:38:44","modified_gmt":"2026-07-01T05:38:44","slug":"mengapa-banyak-klaim-asuransi-kapal-tidak-dibayar-penuh-ternyata-masalahnya-sudah-dimulai-sejak-membeli-polis","status":"publish","type":"post","link":"https:\/\/ligaasuransi.com\/zh\/mengapa-banyak-klaim-asuransi-kapal-tidak-dibayar-penuh-ternyata-masalahnya-sudah-dimulai-sejak-membeli-polis\/","title":{"rendered":"\u70ba\u4ec0\u9ebc\u9019\u9ebc\u591a\u8239\u8236\u4fdd\u96aa\u7406\u8ce0\u7121\u6cd5\u5168\u984d\u7406\u8ce0\uff1f\u539f\u4f86\u554f\u984c\u51fa\u5728\u8cfc\u8cb7\u4fdd\u55ae\u7684\u90a3\u4e00\u523b\u3002"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">\u5728\u822a\u904b\u696d\uff0c\u8239\u8236\u4e8b\u6545\u7e3d\u662f\u51fa\u4e4e\u610f\u6599\u3002\u7136\u800c\uff0c\u4e00\u65e6\u767c\u751f\u640d\u5931\uff0c\u516c\u53f8\u901a\u5e38\u6703\u7acb\u5373\u5c07\u6ce8\u610f\u529b\u8f49\u5411\u2026<\/span><a href=\"https:\/\/lngrisk.co.id\/insurance-products\/asuransi-rangka-kapal\/\"><span style=\"font-weight: 400;\">\u8239\u8236\u4fdd\u96aa<\/span><\/a><span style=\"font-weight: 400;\">\u7406\u8ce0\u6d41\u7a0b\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e0d\u5c11\u8239\u6771\u611f\u5230\u5931\u671b\uff0c\u56e0\u70ba\u4ed6\u5011\u5f97\u5230\u7684\u8ce0\u511f\u9060\u4f4e\u65bc\u9810\u671f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u5728\u8a31\u591a\u60c5\u6cc1\u4e0b\uff0c\u539f\u56e0\u4e26\u975e\u53ea\u662f\u4fdd\u96aa\u516c\u53f8\u62d2\u8ce0\u3002\u4e8b\u5be6\u4e0a\uff0c\u554f\u984c\u7684\u6839\u6e90\u5f80\u5f80\u5728\u4e8b\u6545\u767c\u751f\u4e4b\u524d\u5f88\u4e45\u5c31\u5df2\u7d93\u5b58\u5728\uff0c\u4e5f\u5c31\u662f\u5728\u4fdd\u55ae\u6700\u521d\u5236\u5b9a\u4e4b\u6642\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f5c\u70ba\u4e00\u5bb6\u63a2\u8a0e\u98a8\u96aa\u7ba1\u7406\u548c\u4fdd\u96aa\u884c\u696d\u7684\u5a92\u9ad4\uff0cLigaAsuransi.com \u767c\u73fe\uff0c\u4ecd\u6709\u8a31\u591a\u822a\u904b\u516c\u53f8\u8a8d\u70ba\u2026<\/span><b>\u8239\u8236\u4fdd\u96aa<\/b><span style=\"font-weight: 400;\">\u9019\u53ea\u662f\u4e00\u9805\u884c\u653f\u7fa9\u52d9\uff0c\u800c\u4e0d\u662f\u8cc7\u7522\u4fdd\u8b77\u7b56\u7565\u7684\u4e00\u90e8\u5206\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u4eba\u5011\u5f80\u5f80\u53ea\u6839\u64da\u4fdd\u8cbb\u50f9\u683c\u505a\u51fa\u91cd\u8981\u6c7a\u5b9a\uff0c\u800c\u4e0d\u53bb\u4e86\u89e3\u6bcf\u9805\u4fdd\u55ae\u689d\u6b3e\u5728\u767c\u751f\u640d\u5931\u6642\u5c07\u5982\u4f55\u904b\u4f5c\u3002<\/span><\/p>\n<h3><b>\u8239\u8236\u4fdd\u96aa\u55ae\u662f\u4e00\u7a2e\u98a8\u96aa\u7ba1\u7406\u5408\u7d04<\/b><\/h3>\n<p><b>\u8239\u8236\u4fdd\u96aa<\/b><span style=\"font-weight: 400;\">\u4e3b\u8981\u8a2d\u8a08\u76ee\u7684\u662f\u70ba\u8239\u8236\u63d0\u4f9b\u4fdd\u8b77\uff0c\u9632\u6b62\u56e0\u5404\u7a2e\u904b\u8f38\u98a8\u96aa\u9020\u6210\u7684\u7269\u7406\u640d\u58de\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u9019\u7a2e\u4fdd\u8b77\u63aa\u65bd\u4e26\u975e\u5b64\u7acb\u5b58\u5728\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8ce0\u511f\u91d1\u984d\u53d7\u591a\u7a2e\u56e0\u7d20\u5f71\u97ff\uff0c\u5305\u62ec\u4fdd\u96aa\u50f9\u503c\u3001\u4fdd\u55ae\u689d\u6b3e\u3001\u904b\u8f38\u5340\u57df\u4ee5\u53ca\u88ab\u4fdd\u96aa\u4eba\u5fc5\u9808\u5c65\u884c\u7684\u7fa9\u52d9\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u56e0\u6b64\uff0c\u5373\u4f7f\u5169\u8258\u540c\u985e\u578b\u7684\u8239\u8236\u7531\u540c\u4e00\u5bb6\u4fdd\u96aa\u516c\u53f8\u627f\u4fdd\uff0c\u5b83\u5011\u4e5f\u672a\u5fc5\u80fd\u7372\u5f97\u76f8\u540c\u7684\u4fdd\u96aa\u4fdd\u969c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9019\u662f\u8a31\u591a\u8239\u6771\u5e38\u5e38\u4e0d\u61c2\u7684\u5730\u65b9\u3002<\/span><\/p>\n<h3><b>\u56db\u500b\u6700\u5e38\u898b\u7684\u932f\u8aa4<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u6839\u64da\u6d77\u4e0a\u4fdd\u96aa\u696d\u7684\u5404\u7a2e\u5be6\u52d9\u7d93\u9a57\uff0c\u516c\u53f8\u5728\u8cfc\u8cb7\u4fdd\u55ae\u6642\u6700\u5e38\u72af\u7684\u932f\u8aa4\u6709\u4ee5\u4e0b\u5e7e\u7a2e\u3002<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">1. \u8239\u8236\u50f9\u503c\u672a\u66f4\u65b0<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u8239\u8236\u7684\u50f9\u503c\u4e26\u975e\u56fa\u5b9a\u7684\u6578\u5b57\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u6750\u6599\u50f9\u683c\u7684\u8b8a\u5316\u3001\u5efa\u9020\u65b0\u8239\u7684\u6210\u672c\u3001\u901a\u8ca8\u81a8\u8139\u4ee5\u53ca\u4e8c\u624b\u8239\u5e02\u5834\u7684\u72c0\u6cc1\u90fd\u6703\u5f71\u97ff\u8239\u8236\u7684\u7d93\u6fdf\u50f9\u503c\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7576\u8239\u8236\u6295\u4fdd\u91d1\u984d\u9060\u4f4e\u65bc\u5176\u5be6\u969b\u50f9\u503c\u6642\uff0c\u5c31\u53ef\u80fd\u51fa\u73fe\u4ee5\u4e0b\u60c5\u6cc1\uff1a<\/span><b>\u4fdd\u96aa<\/b><span style=\"font-weight: 400;\">\u9019\u6a23\uff0c\u7406\u8ce0\u6b3e\u9805\u5c31\u80fd\u6309\u6bd4\u4f8b\u652f\u4ed8\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9019\u7a2e\u932f\u8aa4\u901a\u5e38\u662f\u56e0\u70ba\u516c\u53f8\u4f7f\u7528\u5e33\u9762\u50f9\u503c\u6216\u820a\u7684\u8cfc\u8cb7\u50f9\u683c\u4f5c\u70ba\u627f\u4fdd\u57fa\u790e\u3002<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">2. \u904e\u65bc\u6ce8\u91cd\u8ffd\u6c42\u4f4e\u5ec9\u7684\u4fdd\u8cbb<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u964d\u4f4e\u71df\u904b\u6210\u672c\u662f\u4e00\u9805\u5408\u7406\u7684\u5546\u696d\u6c7a\u7b56\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u5728\u4fdd\u96aa\u9818\u57df\uff0c\u964d\u4f4e\u4fdd\u8cbb\u5f80\u5f80\u6703\u5e36\u4f86\u4e00\u4e9b\u5f8c\u679c\uff0c\u4f8b\u5982\u589e\u52a0\u514d\u8ce0\u984d\u6216\u9650\u5236\u627f\u4fdd\u7bc4\u570d\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5982\u679c\u9019\u4e9b\u65b9\u9762\u5206\u6790\u4e0d\u7576\uff0c\u4fdd\u8cbb\u7bc0\u7701\u5be6\u969b\u4e0a\u53ef\u80fd\u6703\u5728\u767c\u751f\u640d\u5931\u6642\u8b8a\u6210\u984d\u5916\u7684\u6210\u672c\u3002<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">3. \u71df\u904b\u8b8a\u66f4\u672a\u4f34\u96a8\u653f\u7b56\u8abf\u6574<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u822a\u904b\u6d3b\u52d5\u77ac\u606f\u842c\u8b8a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8239\u8236\u53ef\u80fd\u6703\u6539\u8b8a\u4f5c\u696d\u5340\u57df\uff0c\u904b\u8f38\u4e0d\u540c\u985e\u578b\u7684\u8ca8\u7269\uff0c\u6216\u5728\u4ee5\u524d\u672a\u8a08\u5283\u7684\u822a\u904b\u5340\u57df\u7372\u5f97\u65b0\u7684\u5408\u7d04\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9019\u4e9b\u8b8a\u66f4\u4e5f\u61c9\u4f34\u96a8\u5c0d\u8239\u8236\u4fdd\u96aa\u55ae\u7684\u8a55\u4f30\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5426\u5247\uff0c\u67d0\u4e9b\u98a8\u96aa\u53ef\u80fd\u8d85\u51fa\u7d04\u5b9a\u7684\u4fdd\u8b77\u7bc4\u570d\u3002<\/span><\/p>\n<h4><span style=\"font-weight: 400;\">4. \u5f9e\u672a\u7814\u7a76\u904e\u7684\u4fdd\u55ae\u689d\u6b3e<\/span><\/h4>\n<p><span style=\"font-weight: 400;\">\u8239\u8236\u4fdd\u96aa\u5305\u542b\u5404\u7a2e\u6280\u8853\u689d\u6b3e\uff0c\u9019\u4e9b\u689d\u6b3e\u5c0d\u7406\u8ce0\u904e\u7a0b\u6709\u91cd\u5927\u5f71\u97ff\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f8b\u5982<\/span><b>\u666e\u901a\u6d77\u640d<\/b><span style=\"font-weight: 400;\">\uff0c<\/span><b>\u63a8\u5b9a\u5168\u640d<\/b><span style=\"font-weight: 400;\">\uff0c<\/span><b>\u8607\u548c\u52de\u5de5<\/b><span style=\"font-weight: 400;\">\uff0c \u4e5f<\/span><b>\u78b0\u649e\u8cac\u4efb<\/b><span style=\"font-weight: 400;\">\u901a\u5e38\u88ab\u8a8d\u70ba\u662f\u4e00\u500b\u96e3\u4ee5\u7406\u89e3\u7684\u6cd5\u5f8b\u8853\u8a9e\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4e8b\u5be6\u4e0a\uff0c\u6b63\u662f\u9019\u4e9b\u689d\u6b3e\u6c7a\u5b9a\u4e86\u516c\u53f8\u5728\u767c\u751f\u640d\u5931\u6642\u5982\u4f55\u7372\u5f97\u5176\u6b0a\u5229\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5c0d\u4fdd\u55ae\u5167\u5bb9\u7684\u7406\u89e3\u8d8a\u900f\u5fb9\uff0c\u5728\u63d0\u51fa\u7d22\u8ce0\u6642\u51fa\u73fe\u8a8d\u77e5\u5dee\u7570\u7684\u53ef\u80fd\u6027\u5c31\u8d8a\u5c0f\u3002<\/span><\/p>\n<h3><b>\u5f9e\u5e38\u898b\u6848\u4f8b\u4e2d\u5b78\u7fd2<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5728\u822a\u904b\u696d\uff0c\u66fe\u767c\u751f\u904e\u8a31\u591a\u516c\u53f8\u81ea\u8a8d\u70ba\u8cfc\u8cb7\u4e86\u8db3\u5920\u7684\u4fdd\u96aa\uff0c\u4f46\u5728\u4e8b\u6545\u767c\u751f\u5f8c\u624d\u767c\u73fe\u6709\u4e0d\u8db3\u7684\u60c5\u6cc1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u4f8b\u5982\uff0c\u8239\u8236\u7684\u4fdd\u96aa\u50f9\u503c\u5df2\u4e0d\u518d\u53cd\u6620\u7576\u524d\u7684\u5e02\u5834\u72c0\u6cc1\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7576\u767c\u751f\u78b0\u649e\u4e26\u9020\u6210\u91cd\u5927\u640d\u5931\u6642\uff0c\u7531\u65bc\u4fdd\u96aa\u50f9\u503c\u4e0d\u8db3\u7684\u898f\u5b9a\uff0c\u7d22\u8ce0\u652f\u4ed8\u91d1\u984d\u6703\u4f4e\u65bc\u9810\u671f\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u9019\u985e\u6848\u4f8b\u8868\u660e\uff0c\u5b9a\u671f\u9032\u884c\u4fdd\u55ae\u8a55\u4f30\u8207\u6309\u6642\u7e73\u7d0d\u4fdd\u8cbb\u540c\u6a23\u91cd\u8981\u3002<\/span><\/p>\n<h3><b>\u70ba\u4ec0\u9ebc\u653f\u7b56\u8a55\u4f30\u8b8a\u5f97\u8d8a\u4f86\u8d8a\u91cd\u8981\uff1f<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5982\u4eca\u822a\u904b\u516c\u53f8\u9762\u81e8\u7684\u8b8a\u5316\u901f\u5ea6\u6bd4\u5e7e\u5e74\u524d\u5feb\u5f97\u591a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u904b\u8f38\u8def\u7dda\u5df2\u6539\u8b8a\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u904b\u8f38\u5408\u7d04\u6b63\u5728\u4e0d\u65b7\u767c\u5c55\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u8cc7\u7522\u50f9\u503c\u589e\u52a0\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u71df\u904b\u98a8\u96aa\u4e5f\u8b8a\u5f97\u8d8a\u4f86\u8d8a\u8907\u96dc\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u907a\u61be\u7684\u662f\uff0c\u8a31\u591a\u516c\u53f8\u4ecd\u7136\u5728\u4f7f\u7528\u591a\u5e74\u524d\u88fd\u5b9a\u7684\u4fdd\u96aa\u8a08\u5283\uff0c\u800c\u5f9e\u672a\u9032\u884c\u904e\u5be9\u67e5\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7136\u800c\uff0c\u64cd\u4f5c\u6d3b\u52d5\u4e2d\u7684\u5fae\u5c0f\u8b8a\u5316\u90fd\u53ef\u80fd\u5f71\u97ff\u6240\u63d0\u4f9b\u4fdd\u8b77\u7684\u6709\u6548\u6027\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u5b9a\u671f\u9032\u884c\u4fdd\u55ae\u5be9\u67e5\u662f\u4e00\u7a2e\u9810\u9632\u63aa\u65bd\uff0c\u6709\u52a9\u65bc\u5728\u640d\u5931\u767c\u751f\u4e4b\u524d\u767c\u73fe\u6f5b\u5728\u7684\u4fdd\u969c\u7f3a\u53e3\u3002<\/span><\/p>\n<h3><b>\u4fdd\u96aa\u7d93\u7d00\u4eba\u63d0\u4f9b\u7684\u670d\u52d9\u4e0d\u50c5\u9650\u65bc\u4fdd\u55ae\u5b89\u6392<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u5728\u570b\u969b\u5be6\u52d9\u4e2d\uff0c\u4fdd\u96aa\u7d93\u7d00\u4eba\u626e\u6f14\u98a8\u96aa\u9867\u554f\u7684\u89d2\u8272\uff0c\u5e6b\u52a9\u516c\u53f8\u6839\u64da\u5176\u696d\u52d9\u7279\u5fb5\u8a2d\u8a08\u4fdd\u969c\u65b9\u6848\u3002<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u7d93\u7d00\u4eba\u4e0d\u53ea\u662f\u6bd4\u8f03\u591a\u5bb6\u4fdd\u96aa\u516c\u53f8\u7684\u4fdd\u8cbb\u3002<\/span><\/p>\n<p><span style=\"font-weight: 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