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很hen多duo投tou保bao人ren分fen不bu清qing意yi外wai險xian和he意yi外wai醫yi療liao險xian，以yi為wei是shi同tong一yi種zhong產chan品pin。實shi際ji上shang並bing不bu是shi，意yi外wai險xian存cun在zai的de目mu的de是shi為wei了le保bao障zhang投tou保bao人ren的de利li益yi
，減jian少shao投tou保bao人ren因yin為wei突tu發fa意yi外wai事shi件jian而er造zao成cheng的de損sun失shi，意yi外wai險xian的de出chu險xian一yi般ban都dou是shi針zhen對dui投tou保bao人ren已yi經jing不bu幸xing身shen故gu或huo者zhe殘can疾ji的de...