購gou買mai健jian康kang險xian的de時shi候hou大da家jia應ying該gai都dou會hui接jie觸chu到dao健jian康kang告gao知zhi，隻zhi有you通tong過guo健jian康kang告gao知zhi才cai能neng投tou保bao，但dan是shi很hen多duo人ren不bu知zhi道dao即ji便bian身shen體ti有you異yi常chang也ye可ke以yi購gou買mai保bao險xian，保bao險xian健jian康kang告gao知zhi並bing不bu隻zhi有you通tong過guo和he拒ju保bao兩liang種zhong。還hai有you很hen多duo核he保bao結jie論lun，具ju體ti來lai了le解jie一yi下xia。 一、什麼叫...

之前多保魚小編給大家介紹過保費豁免的作用（想了解的朋友可以點這裏：保險的保費豁免是什麼？保費豁免值得選擇嗎？）。一般市麵上大部分保險產品附加的都是被保人豁免，那麼投保人豁免有什麼用呢？如果想要附加投保...

最zui近jin有you讀du者zhe朋peng友you向xiang多duo保bao魚yu小xiao編bian發fa來lai詢xun問wen，說shuo在zai購gou買mai重zhong疾ji險xian的de時shi候hou，遇yu到dao了le一yi個ge條tiao款kuan，叫jiao保bao費fei豁huo免mian，不bu清qing楚chu有you什shen麼me用yong
，到dao底di該gai不bu該gai附fu加jia呢ne？其qi實shi保bao費fei豁huo免mian是shi非fei常chang有you必bi要yao的de一yi個ge條tiao款kuan，主zhu要yao的de功gong能neng就jiu是shi減jian少shao消xiao費fei者zhe的de繳jiao費fei壓ya力li，具ju體ti是shi什shen...

xianzaiyouyudajiadebaoxianyishikaishitisheng
，henduorendoukaishigoumaiqilebaoxianchanpin，qizhongxiaoliangzuihaodejiushijiankangxian，bijinghuanshangjibinghou，zhiliaofeiyongdoushikaotajinxingbaoxiaode。danshizaitoubaojiankangxiandeshihou，henduorendoufaxianlezhemeyidian
，bixuyaotongguojiankanggaozhicai...

guanyubaofeihuomianzhegetiaokuan
，goumaiguochangqixiandepengyou

，yinggaihuibijiaoshuxi，keyijianqingtoubaorendejingjiyalideyigetiaokuan。danshihenduorenqishibingbuzhidaobaofeihuomianjiujingshizenmeyangjianqingtoubaorendeyalide，xiamianjiugenduobaoyuxiaobianyiqilejieyixia！ 一、什麼...

henduopengyoudouyoumaibaoxiandeyishi
，yeleyiqumaibaoxian，danshitoubaodeshihouhendayi，suibianmaileyifenfangzainalijiubuguanle，yizhichuxianxuyaolipeideshihou
，caifaxianzijitoubaodeshihoumeiyourushigaozhishentijiankangqingkuanghuozhemeiyouzaixikanbaoxiandehetongneirong
，yaozhidaozhe...

fuqihubaoshizuijinbijiaohuodeyizhongtoubaofangshi，youbushaofuqixuanzezheleifangshitoubao。namezheleitoubaofangshidaodihaobuhaone？youshenmeyouquedian？xiamiangenduobaoyuxiaobianyiqilejieyixia。 哪些夫妻互保的產品比較好
？ 一

、夫妻互保有什麼用 夫妻互保...

大da家jia都dou知zhi道dao一yi般ban的de長chang期qi保bao險xian都dou會hui自zi帶dai被bei保bao人ren豁huo免mian功gong能neng，一yi旦dan被bei保bao人ren在zai繳jiao費fei期qi患huan上shang規gui定ding的de疾ji病bing

，或huo者zhe不bu幸xing發fa生sheng意yi外wai殘can疾ji不bu能neng繼ji續xu繳jiao納na保bao險xian費fei用yong，就jiu可ke以yi豁huo免mian後hou續xu所suo有you的de保bao險xian費fei用yong
，但dan是shi合he同tong依yi舊jiu有you效xiao。當dang然ran除chu了le被bei保bao人ren豁huo免mian，保bao費fei豁huo免mian...

大da家jia在zai買mai重zhong疾ji險xian的de時shi候hou
，應ying該gai經jing常chang會hui看kan到dao產chan品pin上shang麵mian有you這zhe樣yang一yi個ge保bao險xian條tiao款kuan，那na就jiu是shi保bao費fei豁huo免mian。很hen多duo第di一yi次ci接jie觸chu保bao險xian公gong司si產chan品pin的de人ren對dui這zhe些xie保bao險xian條tiao例li真zhen的de一yi竅qiao不bu通tong
，那na麼me到dao底di這zhe個ge保bao費fei豁huo免mian有you什shen麼me用yong呢ne？哪na些xie情qing況kuang可ke以yi用yong到dao呢ne？下xia麵mian就jiu跟gen多duo...

很多時候，消費者不能投保的因素或者無法理賠的原因都會因為健康告知（在投保後發現自己患上疾病），但是現在隨著小夥伴們保險意識的增加，補充告知成了很多人的首選
， 一
、需要提供什麼資料 既然是補充健康告知...

xiangyaomaibaoxiandepengyouyinggaiyousuofaxian，shimianshangdaiyoubaofeihuomiandechanpinyuelaiyueduo

，baofeihuomianshisha？zhibuzhidetianjia？jintianxiaobianjiuyongyigezhenshideanligaosuni，yiqilaikankan。 真實案例 2017年，胡先生為自己剛滿10歲的女兒投保了一...

健(jian)康(kang)告(gao)知(zhi)是(shi)購(gou)買(mai)健(jian)康(kang)險(xian)的(de)第(di)一(yi)步(bu)，隻(zhi)有(you)成(cheng)功(gong)通(tong)過(guo)健(jian)康(kang)告(gao)知(zhi)
，才(cai)可(ke)以(yi)投(tou)保(bao)。雖(sui)然(ran)說(shuo)健(jian)康(kang)告(gao)知(zhi)的(de)填(tian)寫(xie)比(bi)較(jiao)容(rong)易(yi)
，但(dan)是(shi)還(hai)是(shi)有(you)很(hen)多(duo)人(ren)填(tian)錯(cuo)導(dao)致(zhi)無(wu)法(fa)投(tou)保(bao)，今(jin)天(tian)多(duo)保(bao)魚(yu)小(xiao)編(bian)就(jiu)整(zheng)理(li)了(le)幾(ji)個(ge)這(zhe)類(lei)問(wen)題(ti)
，看(kan)看(kan)如(ru)何(he)解(jie)決(jue)！ 1.投保前做體檢 ...

在(zai)購(gou)買(mai)商(shang)業(ye)保(bao)險(xian)的(de)時(shi)候(hou)，我(wo)們(men)遇(yu)到(dao)的(de)第(di)一(yi)個(ge)門(men)檻(kan)就(jiu)是(shi)健(jian)康(kang)告(gao)知(zhi)
，如(ru)果(guo)健(jian)康(kang)告(gao)知(zhi)不(bu)合(he)格(ge)，很(hen)有(you)可(ke)能(neng)會(hui)被(bei)拒(ju)保(bao)。也(ye)正(zheng)是(shi)因(yin)為(wei)有(you)拒(ju)保(bao)的(de)風(feng)險(xian)，有(you)很(hen)多(duo)讀(du)者(zhe)來(lai)問(wen)小(xiao)編(bian)我(wo)，健(jian)康(kang)告(gao)知(zhi)能(neng)不(bu)能(neng)隱(yin)瞞(man)，或(huo)者(zhe)說(shuo)在(zai)體(ti)檢(jian)時(shi)去(qu)一(yi)些(xie)不(bu)正(zheng)規(gui)的(de)醫(yi)院(yuan)體(ti)檢(jian)，從(cong)...

健jian康kang告gao知zhi是shi買mai保bao險xian產chan品pin的de第di一yi道dao門men檻kan
，很hen多duo人ren都dou卡ka在zai這zhe上shang麵mian

，有you的de人ren是shi因yin為wei身shen體ti有you異yi常chang無wu法fa通tong過guo
，而er有you的de人ren則ze是shi因yin為wei不bu重zhong視shi
，隨sui便bian填tian寫xie導dao致zhi無wu法fa通tong過guo。那na麼me健jian康kang告gao知zhi應ying該gai怎zen麼me填tian寫xie才cai不bu會hui錯cuo呢ne？下xia麵mian就jiu跟gen多duo保bao魚yu小xiao編bian一yi起qi來lai了le解jie一yi下xia...

我們在給自己購買重疾險的時候，經常會看到這麼一個條款——被保人豁免。主要意思就是說
，在被保人（也就是投保人自己）患上輕症或者中症後可以豁免後續的所有未交保費，合同依舊有效（有的多次賠付的重疾險在患上重...

健jian康kang告gao知zhi在zai我wo們men投tou保bao時shi經jing常chang能neng看kan到dao，很hen多duo人ren覺jiao得de健jian康kang告gao知zhi就jiu隻zhi是shi一yi個ge填tian表biao格ge，隨sui便bian填tian一yi填tian就jiu夠gou了le。但dan其qi實shi並bing不bu是shi，健jian康kang告gao知zhi的de通tong過guo與yu否fou是shi能neng直zhi接jie影ying響xiang到dao保bao險xian核he保bao的de一yi個ge因yin素su，因yin此ci健jian康kang告gao知zhi是shi投tou保bao過guo程cheng中zhong非fei常chang重zhong要yao的de一yi個ge環huan節jie，千qian萬wan...

duibaoxianyousuolejiedepengyou
，yinggaiduibaofeihuomianzhejigecibumosheng。ranerhaiyouhenduobushuxibaoxiandepengyouzaibeiwenjishifouxuyaoxuanzebaofeihuomianshi，beiwendeyitouwushui。shenmeshibaofeihuomian？baofeihuomianyoushenmeyong
？jintianxiaobianjiulaihedajiayiqiliaoliaobaofeihuomian。 ...

zuijinyouduzhexiangduobaoyuxiaobianxunwen，fuqihubaoshishenmeyisi
？xiangbiliangrenfenkaidandutoubaoyoushenmequbie？jintianduobaoyuxiaobianjiugeidajialaizaixitaolunyixiazhegewenti。 一
、什麼是夫妻互保 夫妻互保
，顧名思義就是夫妻相互給對方買保險，互相成...

shuodaobaofeihuomian，keyishuoshibaoxiangongsiduitoubaorendeguanxindeyizhongtixian。baofeihuomiankeyifenweibeibaorenhuomianhetoubaorenhuomian。xianzaishimianshanghenduozhuliudechangqizhongjixiandouzidaibeibaorenhuomian
，yidanbeibaorenchuciquezhenhuanshangqingzheng

、中症或者重疾（多次賠付的重疾...

我(wo)們(men)購(gou)買(mai)保(bao)險(xian)時(shi)，需(xu)要(yao)通(tong)過(guo)的(de)第(di)一(yi)個(ge)門(men)檻(kan)就(jiu)是(shi)填(tian)寫(xie)健(jian)康(kang)告(gao)知(zhi)，隻(zhi)有(you)通(tong)過(guo)健(jian)康(kang)告(gao)知(zhi)才(cai)有(you)可(ke)能(neng)成(cheng)功(gong)投(tou)保(bao)。那(na)麼(me)健(jian)康(kang)告(gao)知(zhi)存(cun)在(zai)的(de)意(yi)義(yi)到(dao)底(di)是(shi)什(shen)麼(me)呢(ne)？在(zai)投(tou)保(bao)時(shi)我(wo)們(men)應(ying)該(gai)怎(zen)麼(me)填(tian)寫(xie)健(jian)康(kang)告(gao)知(zhi)才(cai)不(bu)會(hui)被(bei)拒(ju)保(bao)呢(ne)
？下(xia)麵(mian)就(jiu)讓(rang)多(duo)保(bao)魚(yu)小(xiao)編(bian)來(lai)告(gao)訴(su)你(ni)！...