意yi外wai事shi件jian是shi不bu可ke預yu料liao的de
，隨sui時shi隨sui地di都dou有you可ke能neng發fa生sheng
，所suo以yi才cai說shuo意yi外wai險xian是shi人ren生sheng的de第di一yi款kuan險xian。市shi麵mian上shang的de意yi外wai險xian一yi般ban都dou是shi短duan期qi的de產chan品pin，保bao期qi通tong常chang隻zhi有you一yi年nian，也ye正zheng因yin為wei保bao期qi比bi較jiao短duan
，所suo以yi意yi外wai險xian的de價jia格ge都dou比bi較jiao便bian宜yi，那na麼me問wen題ti來lai了le
，如ru何he選xuan擇ze適shi...

一yi年nian期qi綜zong合he意yi外wai險xian是shi以yi被bei保bao人ren遭zao受shou到dao意yi外wai事shi故gu，由you保bao險xian公gong司si給gei付fu保bao險xian賠pei償chang金jin的de人ren身shen保bao險xian
，所suo規gui定ding的de保bao險xian期qi限xian為wei一yi年nian。這zhe類lei產chan品pin不bu僅jin保bao費fei便bian宜yi而er且qie保bao障zhang全quan麵mian，深shen受shou消xiao費fei者zhe喜xi愛ai。那na麼me一yi年nian期qi意yi外wai綜zong合he保bao險xian哪na款kuan比bi較jiao好hao？下xia麵mian多duo保bao魚yu小xiao編bian...