很多人可能不知道不論給自己投保重疾險，還是給他人投保時，有一個保險責任或者附加項叫“豁免”。有的保險業務員可能會介紹說這個產品有投被保人豁免險，可以“夫妻互保”
，一人出險兩人保費都免了。 聽起來很厲害...

很多父母的保險意識都是隨著孩子的呱呱墜地而來，想要給孩子最周全的保障，最無憂的人生。今天小魚就講講如何給孩子規劃保險。 在規劃之前
，我們要明白的一個誤區：買保險要優先大人考慮，後考慮小孩。因為對於孩子...

一般購買定期重疾險這類長期保險時
，都有保費豁免功能（被保人豁免），zheyangyilaizhiyaozaijiaofeiqineibeibaorenhuanshangguidingdejibing
，jiunenghuomianhouxusuoyoudebaofei，dadajianqingtoubaorendejingjiyali。danqishibaofeihuomianbujinyoubeibaorenhuomianhaiyouyigetou...

現xian在zai市shi麵mian上shang越yue來lai越yue多duo的de保bao險xian產chan品pin增zeng加jia了le一yi個ge新xin的de保bao障zhang功gong能neng
，那na就jiu是shi保bao費fei豁huo免mian，在zai發fa生sheng規gui定ding的de情qing況kuang後hou，投tou保bao人ren的de保bao費fei就jiu不bu用yong繼ji續xu交jiao了le，保bao障zhang依yi舊jiu有you效xiao。那na麼me問wen題ti就jiu來lai了le保bao費fei豁huo免mian是shi否fou值zhi得de附fu加jia？哪na些xie情qing況kuang下xia可ke以yi豁huo免mian保bao費fei

？一yi起qi來lai跟gen多duo...

​youshihougoumaibaoxiandeshihou
，yewuyuanhuiwendaoshifouxuyaofujiabaofeihuomian
，henduogangjiechubaoxiandepengyougenbenbuzhidaozhegeshishenmeyisi
，jintianxiaobianjiuhedajialiaoliaobaofeihuomianfangmiandezhishi。 保費豁免簡單來說就是在保險的保障期限內，被保險人或者投...

接觸過保險的朋友應該都知道
，除了意外險沒有等待期，人身保險都是有等待期的。買了保險過了等待期後出險
，保險會把你列入“重點調查對象”，而拒賠的可能性也會大大提高。今天小編就來分享一個案例：女子等待期過後...

“保險想買就能買”，如ru果guo你ni還hai這zhe樣yang想xiang，就jiu大da錯cuo特te錯cuo了le。尤you其qi是shi當dang被bei別bie人ren投tou保bao時shi
，如ru果guo沒mei有you保bao險xian關guan係xi，投tou保bao人ren是shi不bu能neng隨sui便bian給gei被bei保bao險xian人ren買mai保bao險xian的de。今jin天tian小xiao編bian就jiu通tong過guo一yi個ge案an例li來lai聊liao聊liao男nan女nv朋peng友you是shi否fou可ke以yi給gei對dui方fang買mai保bao險xian

，一yi起qi來lai看kan看kan。 ...

大da家jia在zai購gou買mai長chang期qi保bao險xian的de時shi候hou應ying該gai都dou會hui看kan到dao這zhe麼me一yi個ge條tiao款kuan，那na就jiu是shi保bao費fei豁huo免mian。比bi如ru現xian在zai很hen多duo主zhu流liu的de重zhong疾ji險xian都dou自zi帶dai的de輕qing症zheng豁huo免mian就jiu是shi保bao費fei豁huo免mian的de一yi種zhong，在zai被bei保bao人ren患huan上shang規gui定ding的de輕qing症zheng後hou，可ke以yi豁huo免mian後hou續xu所suo有you未wei交jiao的de保bao險xian費fei用yong

，保bao單dan依yi舊jiu有you效xiao，當dang...

在(zai)購(gou)買(mai)保(bao)險(xian)產(chan)品(pin)的(de)時(shi)候(hou)
，經(jing)常(chang)會(hui)遇(yu)到(dao)很(hen)多(duo)難(nan)懂(dong)的(de)專(zhuan)業(ye)術(shu)語(yu)，比(bi)如(ru)保(bao)費(fei)豁(huo)免(mian)。目(mu)前(qian)市(shi)麵(mian)上(shang)的(de)保(bao)費(fei)豁(huo)免(mian)有(you)兩(liang)種(zhong)一(yi)個(ge)投(tou)保(bao)人(ren)豁(huo)免(mian)一(yi)個(ge)被(bei)保(bao)人(ren)豁(huo)免(mian)，如(ru)果(guo)是(shi)自(zi)己(ji)給(gei)自(zi)己(ji)購(gou)買(mai)保(bao)險(xian)產(chan)品(pin)，那(na)麼(me)一(yi)般(ban)遇(yu)到(dao)的(de)都(dou)是(shi)被(bei)保(bao)人(ren)豁(huo)免(mian)。那(na)麼(me)就(jiu)有(you)人(ren)問(wen)了(le)，那(na)...

zuijinyouduzhepengyousixinxiaobian

，shuozijizaigoumaizhongjixiandeshihou
，beituijianfujiabaofeihuomian，xiangzhidaoruguozhigeizijigoumai
，daodiyaobuyaofujiabaofeihuomian


，fujiashangyounaxiehaochune？suoyijintianduobaoyuxiaobianjiugendajialaizaixitaolunyixiazhegewenti！感興趣的朋友...

​不bu知zhi道dao大da家jia有you沒mei有you注zhu意yi到dao這zhe樣yang一yi個ge問wen題ti
，在zai購gou買mai保bao險xian產chan品pin的de時shi候hou
，有you些xie產chan品pin代dai理li人ren會hui詢xun問wen是shi否fou需xu要yao附fu加jia保bao費fei豁huo免mian
，說shuo到dao這zhe個ge保bao費fei豁huo免mian很hen多duo朋peng友you可ke能neng不bu會hui很hen清qing楚chu，接jie下xia來lai小xiao編bian就jiu圍wei繞rao著zhe“保費豁免”這個詞和大家說說一說。 一、...

大da家jia在zai購gou買mai保bao險xian產chan品pin的de時shi候hou經jing常chang會hui遇yu到dao這zhe樣yang一yi個ge條tiao款kuan，保bao費fei豁huo免mian。這zhe個ge條tiao款kuan最zui大da的de作zuo用yong就jiu是shi降jiang低di消xiao費fei者zhe的de經jing濟ji壓ya力li，不bu讓rang被bei保bao人ren或huo者zhe投tou保bao人ren在zai生sheng病bing的de時shi候hou，還hai需xu要yao繼ji續xu繳jiao納na高gao昂ang的de保bao險xian費fei用yong。一yi般ban來lai說shuo保bao費fei豁huo免mian有you2類，一個投保人...

經常關注重疾險的朋友不難發現，重疾險裏有一個“保費豁免”功gong能neng，隻zhi要yao達da到dao了le合he同tong約yue定ding的de某mou種zhong情qing況kuang，不bu需xu要yao繳jiao納na保bao費fei，保bao障zhang不bu受shou影ying響xiang依yi舊jiu有you效xiao。不bu交jiao保bao費fei保bao障zhang還hai能neng繼ji續xu有you效xiao
，真zhen的de會hui有you這zhe麼me好hao的de事shi情qing嗎ma
？那na麼me，豁huo免mian保bao費fei需xu要yao達da...

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...

zuijinyouduzhepengyouxiangduobaoyuxiaobianfalaixunwen
，shuozaigoumaizhongjixiandeshihou，yudaoleyigetiaokuan，jiaobaofeihuomian，buqingchuyoushenmeyong，daodigaibugaifujiane？qishibaofeihuomianshifeichangyoubiyaodeyigetiaokuan，zhuyaodegongnengjiushijianshaoxiaofeizhedejiaofeiyali，jutishishen...

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

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...

dajiazaimaizhongjixiandeshihou，yinggaijingchanghuikandaochanpinshangmianyouzheyangyigebaoxiantiaokuan，najiushibaofeihuomian。henduodiyicijiechubaoxiangongsichanpinderenduizhexiebaoxiantiaolizhendeyiqiaobutong
，namedaodizhegebaofeihuomianyoushenmeyongne？naxieqingkuangkeyiyongdaone
？xiamianjiugenduo...

想xiang要yao買mai保bao險xian的de朋peng友you應ying該gai有you所suo發fa現xian，市shi麵mian上shang帶dai有you保bao費fei豁huo免mian的de產chan品pin越yue來lai越yue多duo，保bao費fei豁huo免mian是shi啥sha？值zhi不bu值zhi得de添tian加jia？今jin天tian小xiao編bian就jiu用yong一yi個ge真zhen實shi的de案an例li告gao訴su你ni，一yi起qi來lai看kan看kan。 真實案例 2017年，胡先生為自己剛滿10歲的女兒投保了一...

geixiaohaimaibaoxian

，henduojiachangdouhuimimang，daodishigeihaizimaibaozhangzhongshendechanpinhaohaishidingqidejiugoule。danqishizhelianggedougeziyougezhongdeyouquedian，ruhexuanzezhuyaohaishikanjiachangdexuqiu。xiamianjiugenduobaoyuxiaobianyiqilailejieyixia

，daodishaoerbaoxianmaizhongshenhaohai...