買過重疾險的朋友應該都知道有一條叫做“投保人豁免”，很hen多duo人ren在zai購gou買mai保bao險xian產chan品pin時shi
，都dou會hui非fei常chang糾jiu結jie這zhe個ge問wen題ti。要yao不bu要yao附fu加jia投tou保bao人ren豁huo免mian
？附fu加jia投tou保bao人ren豁huo免mian有you沒mei有you必bi要yao？劃hua算suan不bu劃hua算suan
？今jin天tian，我wo們men就jiu來lai聊liao聊liao關guan於yu投tou保bao人ren豁huo免mian的de一yi些xie問wen題ti...

買保險肯定要有投保人和被保險人
，比如：媽ma媽ma給gei孩hai子zi投tou保bao，媽ma媽ma就jiu是shi投tou保bao人ren，孩hai子zi是shi被bei保bao險xian人ren。在zai重zhong疾ji險xian中zhong

，還hai有you一yi種zhong常chang見jian的de增zeng值zhi服fu務wu叫jiao做zuo豁huo免mian。豁huo免mian又you分fen為wei投tou保bao人ren豁huo免mian和he被bei保bao險xian人ren豁huo免mian。今jin天tian小xiao編bian主zhu要yao給gei大da家jia講jiang一yi講jiang投tou保bao人ren豁huo免mian...

成立於2009年nian的de百bai年nian人ren壽shou保bao險xian公gong司si，他ta們men的de總zong部bu坐zuo落luo於yu大da連lian市shi在zai當dang地di是shi非fei常chang有you名ming的de保bao險xian公gong司si，在zai經jing曆li了le近jin十shi年nian的de曆li程cheng，這zhe家jia公gong司si的de影ying響xiang已yi經jing開kai始shi逐zhu漸jian增zeng長chang

，已yi經jing有you不bu少shao的de家jia庭ting開kai始shi在zai他ta們men這zhe裏li投tou資zi保bao險xian
，那na麼me這zhe家jia保bao險xian公gong司si近jin些xie...