如今，每年因為心腦血管疾病致殘或猝死的人，將近1000萬！光我國就有3.3億的心腦血管疾病患者！ 天天點外賣外賣、習慣性熬夜的你

，真的該提高警惕了。 那麼到底怎樣才能防範心腦血管疾病風險呢？保魚君今天...

我們在購買健康保險時
，比如重疾險、醫療險和壽險產品
，首先會遇到的就是“健康告知”。這個很關鍵，因為你的填寫，直接決定了保險公司是否承保，以什麼樣的條件承保
？以及出險後，能不能順利理賠？ 現在許多理賠糾...

多保魚見過太多因為沒有做好健康告知，出險後遭到拒賠的事情了。 而“健康告知”又是我們買保險的時候，遇到的第一件事情。 所以為了保證理賠順利，多保魚今天就來和大家講講，如何正確的認識並且做好“健康告知”...

由於最近有很多用戶谘詢健康告知的相關問題，所以，今天多保魚再為大家係統性的梳理下。 什麼是健康告知 1.1 什麼是健康告知
？ 健康告知：是指保險公司在接受客戶投保申請時
，要求客戶填寫健康告知書，以了解...

大家要知道在投保重疾險、醫療險
、壽(shou)險(xian)等(deng)產(chan)品(pin)時(shi)
，是(shi)需(xu)要(yao)健(jian)康(kang)告(gao)知(zhi)的(de)，隻(zhi)有(you)通(tong)過(guo)告(gao)知(zhi)的(de)才(cai)能(neng)算(suan)投(tou)保(bao)成(cheng)功(gong)
，因(yin)此(ci)健(jian)康(kang)告(gao)知(zhi)對(dui)投(tou)保(bao)的(de)重(zhong)要(yao)性(xing)不(bu)言(yan)而(er)喻(yu)。那(na)麼(me)在(zai)健(jian)康(kang)告(gao)知(zhi)的(de)時(shi)候(hou)需(xu)要(yao)注(zhu)意(yi)什(shen)麼(me)呢(ne)
？下(xia)麵(mian)一(yi)起(qi)跟(gen)多(duo)保(bao)魚(yu)小(xiao)編(bian)來(lai)了(le)解(jie)一(yi)下(xia)。 ...

大家在購買重疾險、yiliaoxianzheleichanpindeshihou，shouxianyaoguodeyiguanjiushijiankanggaozhi，zhiyoutongguojiankanggaozhidexiaofeizhecainengchenggongtoubao。namewentijiulaile

，jiankanggaozhishelidemudedaodishishenme？zaijinxingdeguochengzhongyouxuyaozhuyinaxiewuqune
？xiamianyiqigenduo...

買mai過guo健jian康kang保bao險xian的de朋peng友you都dou知zhi道dao
，健jian康kang告gao知zhi是shi投tou保bao時shi非fei常chang重zhong要yao的de一yi個ge環huan節jie，不bu管guan你ni是shi在zai網wang上shang購gou買mai還hai是shi找zhao保bao險xian代dai理li人ren購gou買mai的de保bao險xian，健jian康kang告gao知zhi都dou是shi一yi道dao繞rao不bu過guo去qu的de門men檻kan，它ta既ji可ke以yi決jue定ding你ni是shi否fou能neng夠gou順shun利li承cheng保bao，也ye能neng決jue定ding你ni能neng否fou順shun利li理li賠pei。今jin天tian...

買mai過guo保bao險xian的de朋peng友you應ying該gai都dou清qing楚chu，在zai投tou保bao的de時shi候hou會hui有you一yi個ge健jian康kang告gao知zhi環huan節jie
，健jian康kang告gao知zhi通tong過guo之zhi後hou才cai能neng順shun利li投tou保bao。如ru果guo身shen體ti有you問wen題ti想xiang要yao買mai保bao險xian的de話hua，需xu要yao進jin行xing核he保bao，根gen據ju核he保bao結jie論lun決jue定ding你ni是shi否fou可ke以yi購gou買mai保bao險xian。核he保bao的de話hua有you智zhi能neng核he保bao和he人ren工gong核he保bao
，...

​xianshishenghuozhongyoubushaopengyourenwei，toubaoqianburushigaozhiyemeiduodawenti，zhaoyangkeyitoubao

，dengdaolipeibeijulecaihouhui。zuijinxiaobiankandaoyigexinwen
，yinvzidelefeiai
，zhaodaobaoxiangongsishenqingfangaixianlipei，zhijiebeijule，jupeideliyoushi，toubaoqianguyiyinman...

買保險如實告知有多重要
？保險是一份合同，是保險公司和投保人達成的商業契約。在投保前
，有非常重要的一個環節它叫做“健康告知”，很多人疑惑：為什麼保險公司要設置健康告知？未如實告知會怎麼樣？今天小編通過一...

大da家jia在zai購gou買mai健jian康kang險xian的de時shi候hou應ying該gai都dou會hui遇yu到dao健jian康kang告gao知zhi，隻zhi有you通tong過guo保bao險xian公gong司si的de核he保bao才cai能neng享xiang受shou保bao險xian的de保bao障zhang。健jian康kang告gao知zhi內nei詢xun問wen的de條tiao款kuan是shi非fei常chang多duo的de
，有you身shen高gao體ti重zhong這zhe類lei基ji本ben信xin息xi，也ye有you是shi否fou抽chou煙yan等deng生sheng活huo習xi慣guan等deng
，在zai消xiao費fei者zhe如ru實shi告gao知zhi後hou
，保bao險xian公gong司si會hui給gei...

很多朋友在配置保險的時候都會糾結這樣一個問題：toubaoqianyaobuyaoxianqutijian
？huozheyeyoupengyouhuiwen
，womeiyoutijianguo，keyizhijietoubaoma？jintianwomenjiulailiaoliaomaibaoxianqiandaodiyaobuyaoxianqutijianyijinaxieqingkuangxuyaotijian？yiqilaikankan。 投保...

​jiankanggaozhishiwomenmaibaoxianshihenzhongyaodeyihuan
，toubaoshiweirushigaozhijiankangwenti
，kenengmaibulebaoxian，shenqinglipeideshihou
，zhadaojiankanggaozhiyouwentidehualipeibeiju。jiranjiankanggaozhizhemezhongyao
，nametoubaodeshihoushibushiyinggaiquanpangaozhi

，buguandashixiaoshidouyao...

大da家jia都dou知zhi道dao在zai購gou買mai健jian康kang險xian的de時shi候hou都dou是shi需xu要yao健jian康kang告gao知zhi的de
，隻zhi有you滿man足zu保bao險xian公gong司si的de核he保bao要yao求qiu的de才cai能neng算suan是shi購gou買mai成cheng功gong。也ye正zheng是shi因yin為wei這zhe個ge健jian康kang告gao知zhi，保bao險xian公gong司si攔lan下xia了le很hen多duo帶dai病bing投tou保bao的de人ren。那na麼me就jiu有you人ren提ti出chu疑yi問wen了le
，究jiu竟jing這zhe個ge保bao險xian的de健jian康kang告gao知zhi到dao底di包bao...

shimianshangdabufendeyiliaoxiandoushibaoxianqizhiyouyiniandeduanqibaoxian，ruguoxianghuodechangqibaozhang，namezaichanpinbaoxianqimanqianjinxingxubaocaixing。yincizaixuanzeyiliaoxiandeshihou
，xubaotiaojiandehaohuaikeyishuoyeshixuanzedeyigezhongyaobiaozhun。zuijinyouduzhepengyousixinxiaobian，ziji...

dajiazaigoumaijiankangxiandeshihouyinggaidouhuizhuyidao，ruguoxiangchenggonggoumaizheleichanpin
，nameshouxiandiyidianjiushiyaotongguojiankanggaozhi，namewentijiulaile，zhegejiankanggaozhidaodiyounaxiezuoyongne？youyounaxiezhongleine？ganxingqudepengyoukeyigenduobaoyuxiaobianyiqilailejieyixia...

大(da)家(jia)都(dou)知(zhi)道(dao)在(zai)購(gou)買(mai)重(zhong)疾(ji)險(xian)的(de)時(shi)候(hou)是(shi)需(xu)要(yao)健(jian)康(kang)告(gao)知(zhi)的(de)

，隻(zhi)有(you)成(cheng)功(gong)通(tong)過(guo)保(bao)險(xian)公(gong)司(si)審(shen)核(he)才(cai)能(neng)算(suan)是(shi)成(cheng)功(gong)購(gou)買(mai)了(le)重(zhong)疾(ji)險(xian)。很(hen)多(duo)人(ren)不(bu)知(zhi)道(dao)重(zhong)疾(ji)險(xian)的(de)健(jian)康(kang)告(gao)知(zhi)到(dao)底(di)有(you)哪(na)些(xie)
，保(bao)險(xian)公(gong)司(si)到(dao)底(di)會(hui)審(shen)核(he)消(xiao)費(fei)者(zhe)的(de)哪(na)些(xie)地(di)方(fang)，會(hui)不(bu)會(hui)檢(jian)查(zha)投(tou)保(bao)人(ren)的(de)家(jia)庭(ting)病(bing)史(shi)呢(ne)...

fangaixian，shiyikuanzhuanmenbaozhangaizhengdebaoxian
，henduomaibulezhongjixiandepengyouhuozheduiaizhengbijiaokanzhongdepengyoudouhuikaolvta。jintianxiaobianjiulaifenxiangyigeguanyufangaixiandeanli，yiqilaikankan。 真實案例 2015年1月，武漢的劉女士時年51歲


，由於...

​toubaorenshenbaoxiandeshihoujiankanggaozhishifeichangzhongyaode，henduopengyouquebuyiweiran，renweiburushigaozhiyemeiduodadeshi，zhaoyangnengchenggongtoubao，dengdaolipeibeijudeshihou，cishishuoshenmedouwanle。womenqianwanbuyaoxiaokanjiankanggaozhi
，baoxianzhisuoyihuijupei，hendayibufenyuan...

購(gou)買(mai)過(guo)重(zhong)疾(ji)險(xian)的(de)朋(peng)友(you)應(ying)該(gai)都(dou)知(zhi)道(dao)
，在(zai)投(tou)保(bao)前(qian)是(shi)需(xu)要(yao)健(jian)康(kang)告(gao)知(zhi)的(de)，隻(zhi)有(you)身(shen)體(ti)狀(zhuang)況(kuang)滿(man)足(zu)條(tiao)件(jian)才(cai)能(neng)成(cheng)功(gong)投(tou)保(bao)。但(dan)在(zai)這(zhe)個(ge)社(she)會(hui)裏(li)，工(gong)作(zuo)家(jia)庭(ting)的(de)壓(ya)力(li)會(hui)導(dao)致(zhi)很(hen)多(duo)消(xiao)費(fei)者(zhe)身(shen)體(ti)狀(zhuang)況(kuang)不(bu)佳(jia)
，導(dao)致(zhi)無(wu)法(fa)通(tong)過(guo)健(jian)康(kang)告(gao)知(zhi)，難(nan)道(dao)這(zhe)樣(yang)就(jiu)不(bu)能(neng)購(gou)買(mai)嗎(ma)？並(bing)不(bu)是(shi)...