在購買嚴重疾病時
，很多朋友都會陷入糾結中。是選擇保到70suihaonehaishibaozhongshendehao
？henduorendehuidashi，buzhidao。namezhegeshihoujiuhenrongyipaojinbaoxianxiaoshourenyuandekenglimianle，jintian
，duobaoyujiangyudajiataolunciwenti。 　　根據保障...

　　如果買了醫療保險
，就不需要重大疾病保險了嗎
？答案是，他們不是對方的替代品。重大疾病保險

、醫療保險有其獨立的功能和作用
，在保障部分可能會有一些交叉，但很難取代誰。所以說
，他們兩者之間的差異還是很大的...

xianzaibaoxianyishidezengqiang
，shimianshangdebaoxianchanpinyeshiwuhuabamen
，womenzaixuanzebaoxianchanpindeshihou
，wangwangbuzhidaoruhexuanze。suoyidaozhiwomenzaigoumaibaoxianyihouhenyoukenenghuichuxianmaicuodexianxiang，namezhegeshihoubaoxianyijingguoleyouyuqishengxiaolezenmeban
？zhegeshihou...

　　我們都知道做保險的，特別是保險推銷員
，把保險產品講的那可是天花亂墜，不僅是保障，還有分紅，養老金......我真的看花了眼睛
，我不否認早已心動！我以前聽過很多買保險的坑。唯一剩下的理性感
，讓我按下...

　　baobaoshijiatingdexiwanghezhichi，yuelaiyueduodejiatingzaihaizichushengqianjiukaishijihuaweihaizimendeweilaishenghuozuodasuan
，weitamendehaizigoumaibaoxianyichengweizhunmamamentaolundejiaodian。danxianzaigoumaiertongzhongdajibingbaoxianyou3個誤區，是各位家長非常要注意的

，否...

　　muqian，womendeshehuichuyuyigejijubianhuadeshidai，yinxingyewubiandeyuelaiyuefuza。chulechulichuantongdecunkuanhedaikuanyewuwai，yinxinghaichongdangzonghejinrongpingtai，bingzuoweiqitajinrongchanpindexiaoshoudaili。danshi
，yinxingbuhuizhuanmenchushoubaoxian。buguo，zailiyiherenwu...

　　目(mu)前(qian)
，香(xiang)港(gang)保(bao)險(xian)正(zheng)是(shi)潮(chao)流(liu)方(fang)向(xiang)
，香(xiang)港(gang)的(de)保(bao)險(xian)公(gong)司(si)大(da)多(duo)是(shi)一(yi)些(xie)外(wai)國(guo)保(bao)險(xian)公(gong)司(si)，在(zai)賠(pei)付(fu)和(he)收(shou)益(yi)上(shang)都(dou)比(bi)內(nei)地(di)的(de)大(da)部(bu)分(fen)保(bao)險(xian)上(shang)高(gao)一(yi)點(dian)。這(zhe)是(shi)否(fou)意(yi)味(wei)著(zhe)香(xiang)港(gang)保(bao)險(xian)真(zhen)的(de)值(zhi)得(de)購(gou)買(mai)？買(mai)香(xiang)港(gang)保(bao)險(xian)的(de)利(li)弊(bi)是(shi)什(shen)麼(me)？事(shi)實(shi)上(shang)，我(wo)們(men)購(gou)買(mai)保(bao)險(xian)，保(bao)費(fei)和(he)...

　　當dang保bao單dan持chi有you者zhe為wei退tui保bao時shi，所suo謂wei的de保bao單dan現xian金jin價jia值zhi為wei返fan還hai。這zhe部bu分fen通tong常chang轉zhuan換huan成cheng現xian金jin
，因yin此ci被bei稱cheng為wei現xian金jin價jia值zhi。現xian在zai很hen多duo人ren在zai問wen多duo保bao魚yu，退tui保bao會hui怎zen麼me樣yang，不bu知zhi道dao現xian金jin價jia值zhi是shi怎zen樣yang的de
，今jin天tian咱zan們men就jiu倆liang了le解jie一yi下xia人ren壽shou保bao險xian裏li麵mian的de現xian金jin價jia值zhi是shi怎zen...

　　baoxianyizhishiwomenshenghuozhongbukehuoquedejinronggongju。tebieshizaixianzaizhegejingjikuaisufazhandejieduan
，baoxianyijingchengweirenmenbibukeshaodeyibufenle，tebieshijinnianlaibaoxianyedekuaisudefazhan
，gezhongbaoxiangongsihegezhongbaoxianleibielingrenyanhualiaoluan！如圖： 　...

　　在zai購gou買mai保bao險xian之zhi前qian，我wo們men都dou說shuo要yao理li性xing投tou保bao，不bu要yao輕qing易yi的de就jiu上shang了le保bao險xian銷xiao售shou人ren員yuan的de套tao。那na麼me麵mian對dui市shi場chang上shang多duo種zhong多duo樣yang的de保bao險xian產chan品pin來lai說shuo，大da多duo數shu的de普pu通tong人ren是shi不bu懂dong得de保bao險xian的de專zhuan業ye知zhi識shi的de，所suo以yi麵mian對dui這zhe麼me多duo的de保bao險xian產chan品pin


，即ji使shi是shi看kan了le很hen多duo邊bian保bao險xian合he...

　　在投保長期保險時
，我們都在選擇繳費期限上麵有過選擇，一般投保人通常會選擇付款方式：躉交or期交

？交多少年？ ...那麼，如何選擇保險支付期最有利？今天我將把這篇文章看一看。付款方式有哪些
？ 　　付...

　　suizhexianzairenmenduibaoxianyishidetigao
，goumaibaoxianderenqunyeshiyuelaiyuenianqinghua。danshiyaozhidaodeshi，goumaibaoxianyimaijiushihaojishinian，namezhegeshijianqijianzhemechang，yaoshiwogoumaibaoxiandezhegebaoxiangongsidaobilezenmeban
，wodebaoxianliyizenmeban？zhegexiang...

　　henduobaoxianxiaobaihenrongyizaitoubaodeshihourukeng
，chulebaoxianxiaoshourenyuandehuyouyiwai，haiyouzijikanbudongbaoxianhetong，zaitoubaoleyihou，faxianmaicuole
，haibuzhidaoruhequtuibao，quweihuzijidequanyi。zhiqianshuolebaoxianhetongxiangguanneirong，jintianjiujiangjiangbaoxianlimian...

　　由(you)於(yu)現(xian)在(zai)保(bao)險(xian)業(ye)的(de)興(xing)起(qi)，人(ren)們(men)保(bao)險(xian)意(yi)識(shi)的(de)提(ti)高(gao)，很(hen)多(duo)人(ren)開(kai)始(shi)有(you)了(le)購(gou)買(mai)保(bao)險(xian)的(de)意(yi)識(shi)，但(dan)是(shi)這(zhe)個(ge)時(shi)候(hou)，問(wen)題(ti)出(chu)現(xian)了(le)
，很(hen)多(duo)人(ren)因(yin)為(wei)購(gou)買(mai)保(bao)險(xian)的(de)時(shi)候(hou)沒(mei)有(you)看(kan)清(qing)保(bao)險(xian)的(de)條(tiao)款(kuan)
，導(dao)致(zhi)保(bao)險(xian)的(de)保(bao)障(zhang)內(nei)容(rong)和(he)自(zi)己(ji)的(de)想(xiang)法(fa)不(bu)同(tong)，且(qie)與(yu)保(bao)險(xian)銷(xiao)售(shou)人(ren)承(cheng)諾(nuo)...

　　suizheshehuidejinbuhefazhan，baoxianyuelayueshoudaodazhongdexihuan
，dangranzhongjixiandezhongyaoxingyebeidajiasuoyishidao，yinweixianzaidezhongjizhengzaiyuelaiyuenianqinghua，erqieyiliaofeiyonggao
，womenxuyaoyigebaozhanglaifangfanta。danshixianzaishimianshangdezhongjixianchanpinyehenduo，wuhua...

　　隨sui著zhe大da家jia對dui保bao險xian意yi識shi的de上shang升sheng，市shi場chang上shang的de保bao險xian產chan品pin也ye是shi越yue來lai月yue多duo樣yang化hua，購gou買mai保bao險xian的de人ren也ye是shi越yue來lai越yue多duo。但dan是shi由you於yu有you很hen多duo人ren存cun在zai盲mang目mu夠gou買mai的de行xing為wei，致zhi使shi出chu現xian很hen多duo退tui保bao的de行xing為wei。所suo謂wei的de退tui保bao就jiu是shi保bao險xian合he同tong沒mei有you完wan全quan履lv行xing，投tou保bao人ren申shen請qing，經jing...

　　duiyucaiwuguanli，shiwomenmeigejiatingdouxiangyaode，danshihenduorenwangwangzaipeizhilicaifangmiandeshihou，meiyouzaiyizishenyijijiatingdebaozhangfangmian
，yaozhidao
，licaishiyoufengxiande，baoxianjiushibaozhangnidefengxiande。zaifengxianlailinzhiqian，womenxuyaoxianbaozhang，houlicai，zai...

　　電dian子zi保bao單dan和he紙zhi質zhi保bao單dan是shi否fou有you區qu別bie？其qi實shi兩liang者zhe之zhi前qian沒mei有you什shen麼me區qu別bie，其qi效xiao益yi都dou是shi一yi樣yang的de，電dian子zi保bao單dan會hui更geng便bian利li一yi點dian
，但dan是shi相xiang對dui比bi紙zhi質zhi保bao單dan而er言yan
，一yi些xie線xian上shang投tou保bao的de新xin手shou
，沒mei有you一yi遝ta厚hou厚hou的de紙zhi張zhang在zai手shou往wang往wang會hui沒mei有you安an全quan感gan
，其qi實shi完wan全quan不bu用yong擔dan心xin...

　　zhiqianduobaoyuyouweipengyouzaipengyouquanlimianshuo，hualehenduoqianmailebaoxian，danshifaxianbaoxianbushizijixuyaode，xiangtuibaodanshibuzhidaoyaozenmeban。jintianwomenjiuzhuanmenlaijiangyijiang，yaoshiwomenfaxianzijimailebushihezijidebaoxianyaozenmeban，yaoruhetuibao。 　　...

　　隨(sui)著(zhe)社(she)會(hui)的(de)不(bu)斷(duan)發(fa)現(xian)，保(bao)險(xian)得(de)到(dao)了(le)很(hen)多(duo)人(ren)的(de)認(ren)可(ke)。當(dang)然(ran)也(ye)有(you)很(hen)多(duo)人(ren)認(ren)為(wei)買(mai)保(bao)險(xian)是(shi)沒(mei)有(you)必(bi)要(yao)的(de)，畢(bi)竟(jing)保(bao)險(xian)是(shi)一(yi)種(zhong)很(hen)特(te)殊(shu)的(de)商(shang)品(pin)，既(ji)不(bu)能(neng)得(de)到(dao)實(shi)物(wu)，也(ye)無(wu)法(fa)得(de)到(dao)身(shen)體(ti)或(huo)心(xin)靈(ling)的(de)舒(shu)適(shi)感(gan)
，難(nan)道(dao)買(mai)保(bao)險(xian)真(zhen)的(de)是(shi)浪(lang)費(fei)錢(qian)的(de)行(xing)為(wei)，是(shi)沒(mei)必(bi)要(yao)的(de)...