最近有朋友私信問到

，在微信上買了一份保險，但是沒有紙質保單

，隻收到郵箱裏發來的電子保單，這個電子保單靠譜嗎
？ 關於紙質保單和電子保單的問題，確實很多人都有疑問，有必要解釋清楚。今天我們就來聊聊這個電...

baoxianhetongshangqishiyouyigedianhenzhongyao，jiushixianjinjiazhi，zailipeihetuibaoshangdouyouhendadezuoyou，namezhegexianjinjiazhidaodiyoushenmeyongne？yiqigenduobaoyuxiaobianlaixuexiyixia！ 所謂的保單現金值就是當保單持有者為退保時能夠拿到的價值返還。這...

最zui近jin，有you朋peng友you問wen多duo保bao魚yu，自zi己ji在zai選xuan擇ze了le長chang期qi保bao險xian後hou，要yao是shi以yi後hou出chu現xian資zi金jin緊jin張zhang，保bao費fei交jiao不bu上shang的de情qing況kuang該gai怎zen麼me辦ban？在zai簽qian訂ding合he同tong後hou


，總zong是shi會hui有you一yi些xie客ke戶hu會hui遇yu到dao臨lin時shi支zhi付fu困kun難nan的de問wen題ti。那na麼me在zai這zhe種zhong情qing況kuang下xia
，自zi己ji的de保bao單dan會hui怎zen麼me樣yang？又you該gai怎zen麼me挽wan救jiu...

隨sui著zhe現xian在zai生sheng活huo水shui平ping的de提ti高gao，人ren們men的de保bao險xian意yi識shi也ye在zai不bu斷duan增zeng強qiang
，很hen多duo人ren開kai始shi通tong過guo保bao險xian的de形xing式shi來lai給gei自zi己ji或huo者zhe家jia人ren購gou買mai保bao險xian

，但dan是shi很hen多duo時shi候hou
，我wo們men購gou買mai完wan了le保bao險xian以yi後hou就jiu把ba它ta放fang起qi來lai了le，或huo者zhe丟diu在zai某mou個ge角jiao落luo裏li
，那na麼me這zhe個ge時shi候hou要yao是shi保bao單dan繳jiao費fei期qi限xian...

guerbaodan，henduoxiaofeizhekenengdiyicitingjianzhegeci，baodanhaiyougueryishuo？nandaoshibeibaoxiangongsipaoqi？qishibushi

，zaibaoxianxingyeli，womentongchangbajiangyinyewurenyuanlizhidaozhimeirenfuwudebaodan，chengwei“孤兒保單”。 “孤兒保單”對自己的理賠有...

guerbaodan

，henduoxiaofeizhekenengdiyicitingjianzhegeci
，baodanhaiyougueryishuo
？nandaoshibeibaoxiangongsipaoqi
？qishibushi，zaibaoxianxingyeli
，womentongchangbajiangyinyewurenyuanlizhidaozhimeirenfuwudebaodan
，chengwei“孤兒保單”。 那麼就有人擔心了，都成孤兒...

購gou買mai保bao險xian的de時shi候hou，繳jiao費fei方fang式shi是shi可ke以yi選xuan擇ze的de
，可ke以yi分fen期qi交jiao也ye可ke以yi一yi次ci性xing交jiao清qing。一yi次ci性xing交jiao完wan一yi款kuan保bao險xian的de費fei用yong其qi實shi給gei家jia庭ting帶dai來lai的de壓ya力li是shi非fei常chang大da的de
，當dang然ran如ru果guo你ni家jia有you礦kuang就jiu是shi另ling一yi回hui事shi，所suo以yi一yi般ban的de家jia庭ting購gou買mai保bao險xian都dou是shi會hui選xuan擇ze分fen期qi付fu款kuan，但dan是shi分fen...

購gou買mai保bao險xian的de時shi候hou，繳jiao費fei方fang式shi是shi可ke以yi選xuan擇ze的de，可ke以yi分fen期qi交jiao也ye可ke以yi一yi次ci性xing交jiao清qing。一yi次ci性xing交jiao完wan一yi款kuan保bao險xian的de費fei用yong其qi實shi給gei家jia庭ting帶dai來lai的de壓ya力li是shi非fei常chang大da的de
，當dang然ran如ru果guo你ni家jia有you礦kuang就jiu是shi另ling一yi回hui事shi，所suo以yi一yi般ban的de家jia庭ting購gou買mai保bao險xian都dou是shi會hui選xuan擇ze分fen期qi付fu款kuan，但dan是shi分fen...

購gou買mai保bao險xian對dui於yu一yi些xie剛gang接jie觸chu的de消xiao費fei者zhe來lai說shuo，非fei常chang困kun難nan，第di一yi道dao難nan關guan就jiu是shi選xuan擇ze難nan題ti，之zhi後hou又you有you各ge種zhong的de參can保bao問wen題ti，比bi如ru說shuo保bao單dan複fu效xiao
，很hen多duo消xiao費fei者zhe不bu懂dong，那na麼me保bao單dan複fu效xiao到dao底di是shi什shen麼me？辦ban理li時shi又you需xu要yao注zhu意yi那na些xie地di方fang？看kan完wan下xia麵mian你ni就jiu知zhi道dao。 保...

guerbaodan，henduoxiaofeizhekenengdiyicitingjianzhegeci，baodanhaiyougueryishuo
？nandaoshibeibaoxiangongsipaoqi？qishibushi
，zaibaoxianxingyeli，womentongchangbajiangyinyewurenyuanlizhidaozhimeirenfuwudebaodan，chengwei“孤兒保單”。 那麼就有人擔心了
，都成孤兒...

保bao單dan具ju體ti來lai說shuo就jiu是shi保bao險xian單dan據ju，是shi消xiao費fei者zhe購gou買mai保bao險xian後hou，保bao險xian公gong司si給gei的de回hui執zhi用yong來lai證zheng明ming消xiao費fei者zhe參can保bao了le這zhe款kuan產chan品pin，保bao單dan最zui大da的de作zuo用yong就jiu是shi理li賠pei證zheng明ming了le，沒mei有you保bao單dan，是shi無wu法fa從cong保bao險xian公gong司si那na裏li掏tao錢qian的de
，所suo以yi購gou買mai保bao險xian一yi定ding要yao注zhu意yi保bao存cun好hao保bao單dan。 現...

說shuo到dao保bao單dan購gou買mai過guo保bao險xian的de消xiao費fei者zhe應ying該gai比bi較jiao熟shu悉xi，購gou買mai成cheng功gong後hou
，保bao險xian公gong司si會hui給gei你ni一yi張zhang單dan子zi，既ji是shi購gou買mai後hou的de回hui執zhi也ye是shi理li賠pei證zheng明ming，但dan是shi現xian在zai的de消xiao費fei者zhe手shou上shang應ying該gai不bu止zhi一yi份fen保bao險xian，所suo以yi有you些xie人ren就jiu會hui搞gao混hun，然ran後hou到dao理li賠pei的de時shi候hou就jiu會hui發fa現xian找zhao不bu到dao了le，這zhe...

保bao單dan具ju體ti來lai說shuo就jiu是shi保bao險xian單dan據ju
，是shi消xiao費fei者zhe購gou買mai保bao險xian後hou，保bao險xian公gong司si給gei的de回hui執zhi用yong來lai證zheng明ming消xiao費fei者zhe參can保bao了le這zhe款kuan產chan品pin
，保bao單dan最zui大da的de作zuo用yong就jiu是shi理li賠pei證zheng明ming了le，沒mei有you保bao單dan，是shi無wu法fa從cong保bao險xian公gong司si那na裏li掏tao錢qian的de，所suo以yi購gou買mai保bao險xian一yi定ding要yao注zhu意yi保bao存cun好hao保bao單dan。 現...

保(bao)單(dan)是(shi)消(xiao)費(fei)者(zhe)參(can)保(bao)的(de)證(zheng)明(ming)也(ye)是(shi)保(bao)險(xian)理(li)賠(pei)的(de)重(zhong)要(yao)憑(ping)證(zheng)，但(dan)是(shi)現(xian)在(zai)的(de)消(xiao)費(fei)者(zhe)手(shou)上(shang)應(ying)該(gai)不(bu)止(zhi)一(yi)份(fen)保(bao)險(xian)，所(suo)以(yi)有(you)些(xie)人(ren)就(jiu)會(hui)搞(gao)混(hun)，然(ran)後(hou)到(dao)理(li)賠(pei)的(de)時(shi)候(hou)就(jiu)會(hui)發(fa)現(xian)找(zhao)不(bu)到(dao)了(le)，這(zhe)個(ge)時(shi)候(hou)你(ni)要(yao)鎮(zhen)定(ding)，畢(bi)竟(jing)現(xian)在(zai)已(yi)經(jing)是(shi)信(xin)息(xi)時(shi)代(dai)了(le)，有(you)遺(yi)失(shi)保(bao)單(dan)那(na)也(ye)就(jiu)有(you)...

zaigoumaibaoxiandeshihou，xiaofeizhezongshihuiyushanggezhonggeyangdewenti
，shizhishangjiushixiaofeizheduiyubaoxianxingyedebulejiedaozhide


，birushuobaodanfuxiao，henduoxiaofeizhebudong
，namebaodanfuxiaodaodishishenme？banlishiyouxuyaozhuyinaxiedifang？yiqigenduobaoyuxiaobianlaikankanba...

保險能用來貸款，很多人剛聽到都覺得難以置信
，一個保障類的產品竟然能夠貸款到錢！那麼醫療險這種常見的險種可以貸款嗎？多保魚小編就跟大家一起來聊一聊！ 保險是一個產品，大家都知道
，既然是產品那麼用來貸款...

baodanshitoubaodezhengming
，henduorenzaimaiwanbaoxianhouzirenweibaocundehenhao
，danshichangqidejiankangshenghuobuyonglipei
，wanquanxiangbudaodangchufangzainali，yejiubulelezhi。danshizuipadejiushituranfashengyiwai

，xianghuodelipei，danshimeiyoubaodan。zhezhongqingkuangzenmeban，baoxiangongsihui...

社she保bao的de保bao障zhang範fan圍wei是shi非fei常chang有you限xian的de
，力li有you不bu及ji之zhi處chu靠kao商shang業ye保bao險xian能neng夠gou力li挽wan狂kuang瀾lan。很hen多duo人ren也ye因yin此ci給gei自zi己ji和he父fu母mu買mai了le保bao險xian，但dan是shi很hen多duo人ren買mai了le保bao險xian，還hai是shi對dui保bao險xian的de一yi些xie概gai念nian不bu是shi很hen清qing楚chu，比bi如ru說shuo今jin天tian多duo保bao魚yu小xiao編bian講jiang的de保bao單dan期qi！ 保單期是什麼？...

購(gou)買(mai)保(bao)險(xian)在(zai)很(hen)多(duo)人(ren)眼(yan)裏(li)是(shi)一(yi)件(jian)很(hen)簡(jian)單(dan)普(pu)通(tong)的(de)事(shi)情(qing)
，需(xu)要(yao)什(shen)麼(me)就(jiu)買(mai)什(shen)麼(me)保(bao)險(xian)或(huo)者(zhe)說(shuo)哪(na)一(yi)款(kuan)最(zui)火(huo)買(mai)哪(na)一(yi)款(kuan)。但(dan)其(qi)實(shi)買(mai)保(bao)險(xian)是(shi)一(yi)件(jian)很(hen)複(fu)雜(za)的(de)事(shi)情(qing)，需(xu)要(yao)了(le)解(jie)很(hen)多(duo)保(bao)險(xian)知(zhi)識(shi)才(cai)能(neng)夠(gou)買(mai)到(dao)適(shi)合(he)自(zi)己(ji)的(de)保(bao)險(xian)。壽(shou)險(xian)就(jiu)是(shi)小(xiao)編(bian)遇(yu)到(dao)最(zui)常(chang)問(wen)的(de)一(yi)類(lei)險(xian)種(zhong)...

上文，希財君已經很好闡述了保單貼現的概念，可參考：【保單貼現是什麼意思 看完本文就豁然了解了！】此文。據悉，保監會近期重推的保單貼現業務已經著手準備試點了。那麼，不少消費者都十分好奇，自己承擔不了保單...