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...

保(bao)險(xian)合(he)同(tong)上(shang)其(qi)實(shi)有(you)一(yi)個(ge)點(dian)很(hen)重(zhong)要(yao)，就(jiu)是(shi)現(xian)金(jin)價(jia)值(zhi)，在(zai)理(li)賠(pei)和(he)退(tui)保(bao)上(shang)都(dou)有(you)很(hen)大(da)的(de)左(zuo)右(you)，那(na)麼(me)這(zhe)個(ge)現(xian)金(jin)價(jia)值(zhi)到(dao)底(di)有(you)什(shen)麼(me)用(yong)呢(ne)？一(yi)起(qi)跟(gen)多(duo)保(bao)魚(yu)小(xiao)編(bian)來(lai)學(xue)習(xi)一(yi)下(xia)！ 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...

zuijin
，youpengyouwenduobaoyu，zijizaixuanzelechangqibaoxianhou
，yaoshiyihouchuxianzijinjinzhang，baofeijiaobushangdeqingkuanggaizenmeban？zaiqiandinghetonghou，zongshihuiyouyixiekehuhuiyudaolinshizhifukunnandewenti。namezaizhezhongqingkuangxia，zijidebaodanhuizenmeyang？yougaizenmewanjiu...

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...

baodanjutilaishuojiushibaoxiandanju，shixiaofeizhegoumaibaoxianhou，baoxiangongsigeidehuizhiyonglaizhengmingxiaofeizhecanbaolezhekuanchanpin，baodanzuidadezuoyongjiushilipeizhengmingle
，meiyoubaodan，shiwufacongbaoxiangongsinalitaoqiande，suoyigoumaibaoxianyidingyaozhuyibaocunhaobaodan。 現...

shuodaobaodangoumaiguobaoxiandexiaofeizheyinggaibijiaoshuxi，goumaichenggonghou
，baoxiangongsihuigeiniyizhangdanzi
，jishigoumaihoudehuizhiyeshilipeizhengming，danshixianzaidexiaofeizheshoushangyinggaibuzhiyifenbaoxian，suoyiyouxierenjiuhuigaohun

，ranhoudaolipeideshihoujiuhuifaxianzhaobudaole，zhe...

baodanjutilaishuojiushibaoxiandanju，shixiaofeizhegoumaibaoxianhou，baoxiangongsigeidehuizhiyonglaizhengmingxiaofeizhecanbaolezhekuanchanpin，baodanzuidadezuoyongjiushilipeizhengmingle，meiyoubaodan，shiwufacongbaoxiangongsinalitaoqiande，suoyigoumaibaoxianyidingyaozhuyibaocunhaobaodan。 現...

baodanshixiaofeizhecanbaodezhengmingyeshibaoxianlipeidezhongyaopingzheng，danshixianzaidexiaofeizheshoushangyinggaibuzhiyifenbaoxian，suoyiyouxierenjiuhuigaohun，ranhoudaolipeideshihoujiuhuifaxianzhaobudaole，zhegeshihouniyaozhending，bijingxianzaiyijingshixinxishidaile，youyishibaodannayejiuyou...

在(zai)購(gou)買(mai)保(bao)險(xian)的(de)時(shi)候(hou)
，消(xiao)費(fei)者(zhe)總(zong)是(shi)會(hui)遇(yu)上(shang)各(ge)種(zhong)各(ge)樣(yang)的(de)問(wen)題(ti)，實(shi)質(zhi)上(shang)就(jiu)是(shi)消(xiao)費(fei)者(zhe)對(dui)於(yu)保(bao)險(xian)行(xing)業(ye)的(de)不(bu)了(le)解(jie)導(dao)致(zhi)的(de)，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)？一(yi)起(qi)跟(gen)多(duo)保(bao)魚(yu)小(xiao)編(bian)來(lai)看(kan)看(kan)吧(ba)...

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？...

goumaibaoxianzaihenduorenyanlishiyijianhenjiandanputongdeshiqing，xuyaoshenmejiumaishenmebaoxianhuozheshuonayikuanzuihuomainayikuan。danqishimaibaoxianshiyijianhenfuzadeshiqing
，xuyaolejiehenduobaoxianzhishicainenggoumaidaoshihezijidebaoxian。shouxianjiushixiaobianyudaozuichangwendeyileixianzhong...

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...