什麼是保單複效
？需要注意什麼？

zaigoumaibaoxiandeshihou，xiaofeizhezongshihuiyushanggezhonggeyangdewenti，shizhishangjiushixiaofeizheduiyubaoxianxingyedebulejiedaozhide，birushuobaodanfuxiao，henduoxiaofeizhebudong，namebaodanfuxiaodaodishishenme
？banlishiyouxuyaozhuyinaxiedifang？yiqigenduobaoyuxiaobianlaikankanba！

保bao單dan複fu效xiao顧gu名ming思si義yi就jiu是shi恢hui複fu保bao單dan的de效xiao用yong

，當dang消xiao費fei者zhe在zai保bao險xian公gong司si退tui保bao接jie觸chu合he同tong後hou的de兩liang年nian內nei，消xiao費fei者zhe後hou悔hui退tui保bao了le，就jiu可ke以yi和he保bao險xian公gong司si申shen請qing恢hui複fu合he同tong。當dang然ran如ru果guo投tou保bao人ren沒mei有you在zai兩liang年nian內nei向xiang保bao險xian公gong司si申shen請qing回hui複fu保bao險xian合he同tong的de，這zhe之zhi後hou想xiang恢hui複fu產chan品pin是shi不bu可ke能neng了le消xiao費fei者zhe隻zhi能neng重zhong新xin購gou買mai。

申請保單複效的注意事項

1.申請保單複效的首要條件就是投保人相關的證明是齊全的。比如被保人的相關經濟條件等。

2.shenqingbaodanfuxiaodeshihouyidingyaozhuyidengdaiqi
，baodanfuxiaohezhongxincanbaochanpindechabiebingbuda，suoyitongyangyoudengdaiqi，ruguobeibaoxianrenzaibaodanfuxiaodedengdaiqichushi，namebaoxiangongsishibuhuipeichangde。

3.一yi般ban來lai說shuo，想xiang要yao申shen請qing保bao單dan複fu效xiao必bi須xu進jin行xing新xin一yi輪lun的de體ti檢jian，如ru果guo體ti檢jian不bu合he格ge那na麼me將jiang不bu能neng進jin行xing保bao單dan複fu效xiao

，這zhe個ge時shi候hou合he同tong就jiu會hui終zhong止zhi，對dui於yu投tou保bao人ren來lai說shuo隻zhi能neng選xuan擇ze退tui保bao

，拿na到dao一yi定ding的de現xian金jin價jia值zhi。

4.投保人應該一次性還清之前所欠的保費以及利息。申請複效成功後
，複效的利息則會根據成功的日期算起。

5.投保人一定要記住辦理複效的時間，申請保單複效一定要在退保後兩年內辦理，不然就失去了申請的權利，隻能重新辦理！

kanwanzhepianwenzhang，niduibaodanfuxiaolejielema，baodanfuxiaoshixiaofeizhedefuli，heyouyuqiyiyang，ruguohouhuituibaohuozheyouqianjixutoubaole
，keyishenqinghuifuquanli！

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