goumaiguozhongjixiandepengyouyinggaidouzhidao
，zaitoubaoqianshixuyaojiankanggaozhide
，zhiyoushentizhuangkuangmanzutiaojiancainengchenggongtoubao。danzaizhegeshehuili

，gongzuojiatingdeyalihuidaozhihenduoxiaofeizheshentizhuangkuangbujia
，daozhiwufatongguojiankanggaozhi
，nandaozheyangjiubunenggoumaima？bingbushi...

大da家jia都dou知zhi道dao在zai購gou買mai保bao險xian產chan品pin前qian
，尤you其qi是shi健jian康kang險xian
，通tong常chang都dou是shi需xu要yao健jian康kang告gao知zhi的de，隻zhi有you通tong過guo健jian康kang告gao知zhi，才cai能neng成cheng功gong投tou保bao。一yi般ban來lai說shuo，市shi麵mian上shang大da部bu分fen保bao險xian產chan品pin的de健jian康kang告gao知zhi都dou會hui有you所suo差cha別bie，可ke能neng有you的de疾ji病bing在zai這zhe款kuan產chan品pin是shi拒ju保bao的de，但dan在zai其qi他ta產chan品pin是shi可ke...

由you於yu現xian在zai科ke學xue技ji術shu的de不bu斷duan發fa展zhan，現xian代dai人ren在zai生sheng活huo和he工gong作zuo上shang是shi愈yu來lai愈yu離li不bu開kai手shou機ji和he電dian腦nao了le。雖sui然ran說shuo手shou機ji電dian腦nao這zhe類lei高gao科ke技ji產chan品pin能neng讓rang大da家jia的de生sheng活huo更geng加jia方fang便bian，但dan是shi要yao知zhi道dao長chang時shi間jian的de盯ding著zhe電dian子zi屏ping幕mu是shi會hui對dui眼yan睛jing造zao成cheng傷shang害hai的de。從cong目mu前qian我wo國guo這zhe個ge逐zhu年nian上shang...

醫(yi)療(liao)險(xian)大(da)家(jia)都(dou)知(zhi)道(dao)是(shi)專(zhuan)門(men)報(bao)銷(xiao)醫(yi)療(liao)費(fei)用(yong)的(de)一(yi)類(lei)保(bao)險(xian)產(chan)品(pin)，但(dan)是(shi)需(xu)要(yao)注(zhu)意(yi)的(de)問(wen)題(ti)也(ye)有(you)很(hen)多(duo)
，比(bi)如(ru)說(shuo)免(mian)賠(pei)額(e)比(bi)較(jiao)高(gao)，續(xu)保(bao)問(wen)題(ti)等(deng)。其(qi)中(zhong)關(guan)於(yu)續(xu)保(bao)問(wen)題(ti)是(shi)消(xiao)費(fei)者(zhe)最(zui)容(rong)易(yi)犯(fan)錯(cuo)的(de)一(yi)點(dian)，今(jin)天(tian)多(duo)保(bao)魚(yu)小(xiao)編(bian)就(jiu)跟(gen)大(da)家(jia)來(lai)分(fen)析(xi)一(yi)下(xia)在(zai)續(xu)保(bao)時(shi)需(xu)要(yao)注(zhu)意(yi)...

dajiazaigoumaijiankangxiandeshihoudouhuiyudaodeyijianshi
，yeshigoumaichenggongdeyigeqianti

，najiushijiankanggaozhi。henduorenzhidaojiankanggaozhihenzhongyao，danshiquebuzhidaojiankanggaozhiyoujizhong，weishenmeyaorushigaozhi？jintianjiurangduobaoyuxiaobiangeidajialaijiandanfenxiyixia。 一、...

最近有讀者朋友來向小編詢問“最(zui)近(jin)想(xiang)買(mai)一(yi)份(fen)醫(yi)療(liao)險(xian)，但(dan)是(shi)不(bu)知(zhi)道(dao)該(gai)怎(zen)麼(me)投(tou)保(bao)，在(zai)健(jian)康(kang)告(gao)知(zhi)的(de)時(shi)候(hou)需(xu)不(bu)需(xu)要(yao)把(ba)之(zhi)前(qian)所(suo)有(you)的(de)病(bing)史(shi)都(dou)說(shuo)一(yi)遍(bian)，怕(pa)被(bei)查(zha)到(dao)之(zhi)前(qian)有(you)生(sheng)病(bing)
，最(zui)後(hou)不(bu)能(neng)理(li)賠(pei)。”其實關於這點
，大家可以盡管放心，保險公司查人...

xianzaisuizhexiaofeizhebaoxianyishidezhujianzengqiang
，henduorenzaigoumaibaoxianchanpinshanggengjiadaiyouzhudongxing
，danshizaigoumaibaoxianchanpindeshihouyehuiyudaogezhonggeyangdewenti，birushuozaigoumaijiankangxiandeshihouyudaodejiankanggaozhiwenti。jiuhuiyoubufenrenyinweibudongruhetianxie，daozhizui...

市shi麵mian上shang大da部bu分fen的de醫yi療liao險xian和he意yi外wai險xian都dou是shi短duan期qi的de保bao險xian產chan品pin，隻zhi有you短duan短duan一yi年nian的de保bao期qi，在zai保bao險xian期qi滿man後hou就jiu需xu要yao續xu保bao。但dan是shi意yi外wai險xian和he醫yi療liao險xian有you一yi個ge很hen大da的de不bu同tong
，那na就jiu是shi在zai投tou保bao時shi不bu需xu要yao健jian康kang告gao知zhi，即ji便bian帶dai有you疾ji病bing也ye能neng投tou保bao。那na麼me這zhe裏li就jiu有you一yi個ge問wen題ti...

購gou買mai健jian康kang險xian的de時shi候hou大da家jia應ying該gai都dou會hui接jie觸chu到dao健jian康kang告gao知zhi，隻zhi有you通tong過guo健jian康kang告gao知zhi才cai能neng投tou保bao

，但dan是shi很hen多duo人ren不bu知zhi道dao即ji便bian身shen體ti有you異yi常chang也ye可ke以yi購gou買mai保bao險xian，保bao險xian健jian康kang告gao知zhi並bing不bu隻zhi有you通tong過guo和he拒ju保bao兩liang種zhong。還hai有you很hen多duo核he保bao結jie論lun，具ju體ti來lai了le解jie一yi下xia。 一
、什麼叫...

現(xian)在(zai)由(you)於(yu)大(da)家(jia)的(de)保(bao)險(xian)意(yi)識(shi)開(kai)始(shi)提(ti)升(sheng)
，很(hen)多(duo)人(ren)都(dou)開(kai)始(shi)購(gou)買(mai)起(qi)了(le)保(bao)險(xian)產(chan)品(pin)，其(qi)中(zhong)銷(xiao)量(liang)最(zui)好(hao)的(de)就(jiu)是(shi)健(jian)康(kang)險(xian)，畢(bi)竟(jing)換(huan)上(shang)疾(ji)病(bing)後(hou)

，治(zhi)療(liao)費(fei)用(yong)都(dou)是(shi)靠(kao)它(ta)進(jin)行(xing)報(bao)銷(xiao)的(de)。但(dan)是(shi)在(zai)投(tou)保(bao)健(jian)康(kang)險(xian)的(de)時(shi)候(hou)，很(hen)多(duo)人(ren)都(dou)發(fa)現(xian)了(le)這(zhe)麼(me)一(yi)點(dian)
，必(bi)須(xu)要(yao)通(tong)過(guo)健(jian)康(kang)告(gao)知(zhi)才(cai)...

​重疾險無疑是最受關注的和首選購買的保險產品，其保障的癌症+qitazhongdajibingshiyingxiangwomenchangqijiankangshengcundeyigezhongyaofengxian。henduorendouzhidaomaibaoxianxuyaomaizhongjixian
，yezhidaozhongjixianhenzhongyaobunengshao，danshishimianshangdezhongjichanpinnameduo？daodi...

很(hen)多(duo)朋(peng)友(you)都(dou)有(you)買(mai)保(bao)險(xian)的(de)意(yi)識(shi)，也(ye)樂(le)意(yi)去(qu)買(mai)保(bao)險(xian)，但(dan)是(shi)投(tou)保(bao)的(de)時(shi)候(hou)很(hen)大(da)意(yi)
，隨(sui)便(bian)買(mai)了(le)一(yi)份(fen)放(fang)在(zai)那(na)裏(li)就(jiu)不(bu)管(guan)了(le)，以(yi)致(zhi)出(chu)險(xian)需(xu)要(yao)理(li)賠(pei)的(de)時(shi)候(hou)，才(cai)發(fa)現(xian)自(zi)己(ji)投(tou)保(bao)的(de)時(shi)候(hou)沒(mei)有(you)如(ru)實(shi)告(gao)知(zhi)身(shen)體(ti)健(jian)康(kang)情(qing)況(kuang)或(huo)者(zhe)沒(mei)有(you)仔(zai)細(xi)看(kan)保(bao)險(xian)的(de)合(he)同(tong)內(nei)容(rong)
，要(yao)知(zhi)道(dao)這(zhe)...

很多時候
，消費者不能投保的因素或者無法理賠的原因都會因為健康告知（在投保後發現自己患上疾病）
，但是現在隨著小夥伴們保險意識的增加，補充告知成了很多人的首選， 一

、需要提供什麼資料 既然是補充健康告知...

jiankanggaozhishigoumaijiankangxiandediyibu，zhiyouchenggongtongguojiankanggaozhi
，caikeyitoubao。suiranshuojiankanggaozhidetianxiebijiaorongyi，danshihaishiyouhenduorentiancuodaozhiwufatoubao
，jintianduobaoyuxiaobianjiuzhenglilejigezheleiwenti
，kankanruhejiejue！ 1.投保前做體檢 ...

在zai購gou買mai商shang業ye保bao險xian的de時shi候hou
，我wo們men遇yu到dao的de第di一yi個ge門men檻kan就jiu是shi健jian康kang告gao知zhi，如ru果guo健jian康kang告gao知zhi不bu合he格ge，很hen有you可ke能neng會hui被bei拒ju保bao。也ye正zheng是shi因yin為wei有you拒ju保bao的de風feng險xian
，有you很hen多duo讀du者zhe來lai問wen小xiao編bian我wo，健jian康kang告gao知zhi能neng不bu能neng隱yin瞞man，或huo者zhe說shuo在zai體ti檢jian時shi去qu一yi些xie不bu正zheng規gui的de醫yi院yuan體ti檢jian
，從cong...

健jian康kang告gao知zhi是shi買mai保bao險xian產chan品pin的de第di一yi道dao門men檻kan，很hen多duo人ren都dou卡ka在zai這zhe上shang麵mian
，有you的de人ren是shi因yin為wei身shen體ti有you異yi常chang無wu法fa通tong過guo


，而er有you的de人ren則ze是shi因yin為wei不bu重zhong視shi，隨sui便bian填tian寫xie導dao致zhi無wu法fa通tong過guo。那na麼me健jian康kang告gao知zhi應ying該gai怎zen麼me填tian寫xie才cai不bu會hui錯cuo呢ne？下xia麵mian就jiu跟gen多duo保bao魚yu小xiao編bian一yi起qi來lai了le解jie一yi下xia...

健(jian)康(kang)告(gao)知(zhi)在(zai)我(wo)們(men)投(tou)保(bao)時(shi)經(jing)常(chang)能(neng)看(kan)到(dao)，很(hen)多(duo)人(ren)覺(jiao)得(de)健(jian)康(kang)告(gao)知(zhi)就(jiu)隻(zhi)是(shi)一(yi)個(ge)填(tian)表(biao)格(ge)
，隨(sui)便(bian)填(tian)一(yi)填(tian)就(jiu)夠(gou)了(le)。但(dan)其(qi)實(shi)並(bing)不(bu)是(shi)，健(jian)康(kang)告(gao)知(zhi)的(de)通(tong)過(guo)與(yu)否(fou)是(shi)能(neng)直(zhi)接(jie)影(ying)響(xiang)到(dao)保(bao)險(xian)核(he)保(bao)的(de)一(yi)個(ge)因(yin)素(su)，因(yin)此(ci)健(jian)康(kang)告(gao)知(zhi)是(shi)投(tou)保(bao)過(guo)程(cheng)中(zhong)非(fei)常(chang)重(zhong)要(yao)的(de)一(yi)個(ge)環(huan)節(jie)
，千(qian)萬(wan)...

womengoumaibaoxianshi，xuyaotongguodediyigemenkanjiushitianxiejiankanggaozhi，zhiyoutongguojiankanggaozhicaiyoukenengchenggongtoubao。namejiankanggaozhicunzaideyiyidaodishishenmene？zaitoubaoshiwomenyinggaizenmetianxiejiankanggaozhicaibuhuibeijubaone？xiamianjiurangduobaoyuxiaobianlaigaosuni！...

womenzaitoubaogezhongchanpindeshihou，yongyuandouraobukaijiankanggaozhizhegewenti
，bingqiejiankanggaozhiyeguanxidaozijinengfoushunlitoubao，suoyidajiazaitianxiejiankanggaozhideshihouyidingbunengmahu。namewentilaile，tianxiejiankanggaozhidejiqiaoyounaxie？xiamianxiaobianjiujiandanjieshaoxia。 ...

買(mai)保(bao)險(xian)，繞(rao)不(bu)開(kai)的(de)是(shi)需(xu)要(yao)健(jian)康(kang)告(gao)知(zhi)。無(wu)論(lun)你(ni)是(shi)在(zai)網(wang)上(shang)買(mai)保(bao)險(xian)
，還(hai)是(shi)在(zai)線(xian)下(xia)找(zhao)代(dai)理(li)人(ren)買(mai)保(bao)險(xian)，都(dou)需(xu)要(yao)健(jian)康(kang)告(gao)知(zhi)。然(ran)而(er)現(xian)實(shi)情(qing)況(kuang)是(shi)很(hen)多(duo)人(ren)麵(mian)對(dui)健(jian)康(kang)告(gao)知(zhi)要(yao)麼(me)根(gen)本(ben)沒(mei)有(you)耐(nai)心(xin)看(kan)稀(xi)裏(li)糊(hu)塗(tu)亂(luan)填(tian)，要(yao)麼(me)根(gen)本(ben)不(bu)知(zhi)道(dao)怎(zen)麼(me)正(zheng)確(que)健(jian)康(kang)告(gao)知(zhi)。今(jin)天(tian)小(xiao)編(bian)...