字少事兒大
，保險行業前天又出了個大消息：【重疾新定義】這周內就會由銀保監會官網發出了！ 一看到這個消息，保魚君立馬就想跟大家聊聊，畢竟這事影響真挺大的，一念之差，以後買重疾險可能就差幾十萬！ 重疾...

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...

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...

dajiadouzhidaobaoxianchanpinshiyonglaizhuanyifengxiande，zuichangjiandejiushirenshenxianle
，baozhangxiaofeizhedeshengminganquan，danqishihaiyoulingwaiyizhongbaoxianbaozhangcaichandeanquan，najiushicaichanxian。zuijinyouduzhepengyousixinxiaobian，shuoxianglejieyixiajiatingcaichanbaoxian
？tadaodiyounaxiebaozhangfan...

雖然現在很多人可能沒有結婚，但大家應該都知道“夫妻共有財產”這個名詞，在婚內購買的財產
，什麼房子
、車子都是雙方共有的，在離婚時是需要進行分割的。最近就有讀者朋友私信小編
，說最近在離婚
，其他財產都已經分...

“保險想買就能買”
，ruguonihaizheyangxiang，jiudacuotecuole。youqishidangbeibierentoubaoshi，ruguomeiyoubaoxianguanxi
，toubaorenshibunengsuibiangeibeibaoxianrenmaibaoxiande。jintianxiaobianjiutongguoyigeanlilailiaoliaonannvpengyoushifoukeyigeiduifangmaibaoxian
，yiqilaikankan。 ...

3月24日日本首相安倍晉三與國際奧委會主席巴赫達成一致，將本該在今年夏季舉行的奧運會推遲至2021年舉辦。至於為什麼奧運會開始延期
，想必不用小編多做解釋，就是困擾我們中國人整個春節的“新冠”。雖然現在...

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...

投保人和被保人以及受益人是保單上非常重要的“三個人”，大(da)家(jia)在(zai)購(gou)買(mai)保(bao)險(xian)的(de)時(shi)候(hou)一(yi)定(ding)要(yao)清(qing)楚(chu)的(de)認(ren)識(shi)這(zhe)三(san)者(zhe)的(de)區(qu)別(bie)
，以(yi)及(ji)這(zhe)三(san)者(zhe)有(you)哪(na)些(xie)權(quan)利(li)和(he)義(yi)務(wu)。之(zhi)前(qian)多(duo)保(bao)魚(yu)小(xiao)編(bian)就(jiu)跟(gen)大(da)家(jia)簡(jian)單(dan)分(fen)析(xi)過(guo)這(zhe)三(san)者(zhe)的(de)區(qu)別(bie)，感(gan)興(xing)趣(qu)的(de)可(ke)以(yi)這(zhe)裏(li)來(lai)了(le)解(jie)...

大家在購買保險的時候應該都知道，保險保單是有“三個人”的，也就是投保人

、受shou益yi人ren和he被bei保bao人ren。這zhe三san個ge人ren對dui於yu保bao單dan的de影ying響xiang非fei常chang大da，所suo以yi一yi定ding要yao填tian寫xie準zhun確que。最zui近jin有you讀du者zhe私si信xin小xiao編bian說shuo自zi己ji是shi孩hai子zi保bao單dan的de投tou保bao人ren，但dan是shi最zui近jin因yin為wei辭ci職zhi沒mei...

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...

最zui近jin有you讀du者zhe朋peng友you私si信xin小xiao編bian說shuo自zi己ji在zai朋peng友you的de推tui薦jian下xia購gou買mai了le一yi份fen財cai產chan保bao險xian
，說shuo是shi可ke以yi減jian少shao自zi己ji被bei偷tou後hou的de經jing濟ji損sun失shi，想xiang問wen一yi下xia
，這zhe個ge財cai產chan險xian到dao底di是shi不bu是shi像xiang他ta朋peng友you說shuo的de那na麼me有you用yong
？又you有you哪na些xie種zhong類lei可ke以yi供gong消xiao費fei者zhe購gou買mai的de。下xia麵mian就jiu跟gen多duo保bao魚yu小xiao編bian來lai...

影響消費者購買保險產品的因素很多
，像什麼年齡大小


、shentijiankangqingkuangdouyoukenengyingxiangxiaofeizhezuizhonggoumaibaoxianchanpindejieguo。zuijinjiuyouduzhepengyouwenle，jiankanggaozhilihaiyouzhiyetianxie，nametoubaorendezhiyehuibuhuiyingxiangbaoxianchanpindegoumai？naxiezhiye...

之zhi前qian多duo保bao魚yu小xiao編bian有you一yi個ge朋peng友you在zai網wang上shang給gei他ta的de妻qi子zi購gou買mai了le一yi份fen重zhong疾ji險xian，投tou保bao人ren是shi他ta，被bei保bao人ren是shi他ta妻qi子zi。但dan最zui近jin他ta和he他ta妻qi子zi離li婚hun了le，所suo以yi不bu想xiang繼ji續xu幫bang她ta繳jiao納na保bao費fei了le
，所suo以yi想xiang問wen自zi己ji能neng不bu能neng更geng換huan投tou保bao人ren？如ru果guo發fa生sheng變bian更geng
，對dui保bao單dan有you什shen麼me影ying響xiang

？...

dajiazaigoumaibaoxianchanpindeshihou，yinggaidouzhuyidao，chuleyiwaixian，qitabaoxianchanpindetoubaomenkandoufeichanggao。jibianmeiyouhuanbing，zhishiyoufengxian，douyoukenenghuibeibaoxiangongsijubao。namewentilaile

，yiwaixianshibushizhendebuxuyaokaolvtoubaorendejiankangzhuangkuang
，canjiren...

dajiazaigoumaibaoxianchanpindeshihoujingchanghuiyudaozheyangyigetiaokuan，baofeihuomian。zhegetiaokuanzuidadezuoyongjiushijiangdixiaofeizhedejingjiyali，burangbeibaorenhuozhetoubaorenzaishengbingdeshihou，haixuyaojixujiaonagaoangdebaoxianfeiyong。yibanlaishuobaofeihuomianyou2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...

大(da)家(jia)都(dou)知(zhi)道(dao)購(gou)買(mai)健(jian)康(kang)險(xian)的(de)時(shi)候(hou)，投(tou)保(bao)人(ren)的(de)身(shen)體(ti)素(su)質(zhi)和(he)年(nian)齡(ling)大(da)小(xiao)都(dou)是(shi)會(hui)對(dui)投(tou)保(bao)產(chan)生(sheng)影(ying)響(xiang)的(de)，隻(zhi)有(you)通(tong)過(guo)健(jian)康(kang)告(gao)知(zhi)和(he)滿(man)足(zu)投(tou)保(bao)門(men)檻(kan)的(de)才(cai)可(ke)以(yi)成(cheng)功(gong)購(gou)買(mai)健(jian)康(kang)險(xian)。但(dan)是(shi)大(da)家(jia)可(ke)能(neng)不(bu)知(zhi)道(dao)的(de)是(shi)，其(qi)實(shi)投(tou)保(bao)人(ren)所(suo)從(cong)事(shi)的(de)職(zhi)業(ye)也(ye)是(shi)會(hui)影(ying)響(xiang)保(bao)險(xian)的(de)購(gou)買(mai)的(de)...

henduorenzaigoumaibaoxiandeshihou，doushixuanzezijigeizijitoubao，suoyitoubaorenhebeibaorendoushiyigeren，zhejiuranghenduoxiaofeizhechanshengyigecuojiao

，yiweitoubaorenhebeibaorenshiyiyangde，danqishizheliangzhezhijianhaishicunzaiyouhenduochabiede，juticunzaiyounaxiequbie，xiamianjiu...

dajiazaigoumaijiankangxiandeshihoudouhuiyudaodeyijianshi，yeshigoumaichenggongdeyigeqianti，najiushijiankanggaozhi。henduorenzhidaojiankanggaozhihenzhongyao，danshiquebuzhidaojiankanggaozhiyoujizhong
，weishenmeyaorushigaozhi
？jintianjiurangduobaoyuxiaobiangeidajialaijiandanfenxiyixia。 一、...