有些朋友會問：多保魚你天天講該怎麼買保險
，但我連每個險種是保什麼的都還沒完全區分開呢！ 這是多保魚的失誤
，忽略了最基本的險種解釋。今天多保魚就把之前的課補上，係統整理了一下，我們平時接觸的幾個險種究竟...

保險合同是保險公司和消費者簽訂的協議，一旦生效，保單就具有了法律效力，無論是保險公司還是消費者，都必須按合約履行義務。 那麼對於保險合同，有哪些疑問點？多保魚今天就來講一講吧。 一、保險合同的法律效力...

買(mai)保(bao)險(xian)的(de)時(shi)候(hou)
，最(zui)讓(rang)人(ren)頭(tou)疼(teng)的(de)就(jiu)是(shi)保(bao)險(xian)合(he)同(tong)。保(bao)險(xian)合(he)同(tong)厚(hou)厚(hou)一(yi)遝(ta)
，條(tiao)款(kuan)以(yi)及(ji)專(zhuan)業(ye)術(shu)語(yu)眾(zhong)多(duo)，不(bu)知(zhi)道(dao)哪(na)個(ge)條(tiao)款(kuan)是(shi)重(zhong)要(yao)的(de)
，哪(na)個(ge)條(tiao)款(kuan)不(bu)太(tai)重(zhong)要(yao)，消(xiao)費(fei)者(zhe)根(gen)本(ben)就(jiu)不(bu)知(zhi)道(dao)從(cong)哪(na)裏(li)看(kan)起(qi)。這(zhe)個(ge)時(shi)候(hou)
，保(bao)魚(yu)君(jun)來(lai)教(jiao)你(ni)如(ru)何(he)快(kuai)速(su)看(kan)懂(dong)保(bao)險(xian)合(he)同(tong)，隻(zhi)要(yao)...

保(bao)險(xian)險(xian)種(zhong)哪(na)個(ge)好(hao)
？其(qi)實(shi)這(zhe)個(ge)問(wen)題(ti)不(bu)能(neng)籠(long)統(tong)的(de)用(yong)一(yi)個(ge)標(biao)準(zhun)答(da)案(an)來(lai)作(zuo)答(da)，這(zhe)是(shi)因(yin)為(wei)保(bao)險(xian)的(de)險(xian)種(zhong)多(duo)種(zhong)多(duo)樣(yang)，有(you)的(de)是(shi)分(fen)紅(hong)保(bao)險(xian)，有(you)的(de)是(shi)養(yang)老(lao)保(bao)險(xian)，有(you)的(de)是(shi)健(jian)康(kang)保(bao)險(xian)，根(gen)據(ju)保(bao)險(xian)的(de)不(bu)同(tong)
，他(ta)的(de)功(gong)能(neng)和(he)保(bao)障(zhang)也(ye)各(ge)不(bu)相(xiang)同(tong)，下(xia)麵(mian)多(duo)保(bao)魚(yu)來(lai)給(gei)大(da)家(jia)做(zuo)一(yi)...

一(yi)份(fen)保(bao)險(xian)中(zhong)，保(bao)險(xian)人(ren)與(yu)被(bei)保(bao)險(xian)人(ren)雖(sui)然(ran)隻(zhi)差(cha)一(yi)個(ge)字(zi)但(dan)是(shi)他(ta)們(men)的(de)差(cha)別(bie)還(hai)是(shi)比(bi)較(jiao)大(da)的(de)，不(bu)怎(zen)麼(me)了(le)解(jie)保(bao)險(xian)行(xing)業(ye)的(de)人(ren)往(wang)往(wang)就(jiu)在(zai)保(bao)險(xian)的(de)術(shu)語(yu)方(fang)麵(mian)上(shang)就(jiu)迷(mi)失(shi)了(le)方(fang)向(xiang)
，那(na)選(xuan)擇(ze)保(bao)險(xian)更(geng)加(jia)是(shi)一(yi)塌(ta)糊(hu)塗(tu)，其(qi)實(shi)
，保(bao)險(xian)人(ren)就(jiu)是(shi)承(cheng)保(bao)人(ren)通(tong)常(chang)情(qing)況(kuang)來(lai)說(shuo)是(shi)以(yi)法(fa)人(ren)經(jing)...

womendouzhidaobulunshenmenianji，shenmeshenfendouxuyaomaibaoxian，henduorenyitingshuogebilinjumaileshenmebaoxian，zijiyeyaoqumaishenmebaoxian。shubuzhibaoxianzhongleiqianqianwan，maicuoleyifenbaoxianzhihouxiangtuinakejiunanle，namebaoxianxianzhongyounaxie
？xiamianduobaoyuxiaobiangeidajiajie...

人ren壽shou保bao險xian就jiu是shi對dui我wo們men壽shou命ming的de一yi種zhong保bao障zhang，我wo們men難nan得de來lai這zhe個ge世shi界jie上shang走zou一yi遭zao，誰shui不bu想xiang長chang命ming百bai歲sui呢ne

？但dan是shi壽shou命ming的de長chang短duan並bing不bu是shi我wo們men可ke以yi預yu算suan的de，我wo們men能neng做zuo的de就jiu是shi給gei自zi己ji的de壽shou命ming填tian一yi份fen保bao障zhang
，但dan是shi關guan於yu人ren壽shou保bao險xian的de險xian種zhong還hai是shi非fei常chang多duo的de，接jie下xia來lai有you多duo...

保bao險xian險xian種zhong應ying該gai怎zen麼me選xuan？隨sui著zhe社she會hui的de現xian代dai腳jiao步bu不bu斷duan的de提ti高gao，我wo們men都dou開kai始shi考kao慮lv更geng加jia全quan麵mian的de安an全quan保bao障zhang來lai規gui避bi我wo們men本ben可ke以yi避bi免mian的de意yi外wai風feng險xian，現xian在zai我wo們men的de已yi經jing有you了le一yi個ge保bao險xian規gui劃hua方fang案an，但dan是shi我wo們men應ying該gai如ru何he來lai選xuan擇ze一yi個ge適shi合he自zi己ji的de保bao險xian險xian種zhong呢ne？我wo...

眾(zhong)所(suo)周(zhou)知(zhi)，簽(qian)訂(ding)任(ren)何(he)合(he)同(tong)都(dou)是(shi)雙(shuang)方(fang)之(zhi)間(jian)的(de)自(zi)願(yuan)法(fa)律(lv)行(xing)為(wei)，這(zhe)是(shi)一(yi)個(ge)非(fei)常(chang)嚴(yan)重(zhong)的(de)問(wen)題(ti)，特(te)別(bie)是(shi)在(zai)保(bao)險(xian)合(he)同(tong)中(zhong)。但(dan)保(bao)險(xian)合(he)同(tong)是(shi)否(fou)簽(qian)在(zai)同(tong)一(yi)地(di)點(dian)？當(dang)我(wo)們(men)麵(mian)對(dui)保(bao)險(xian)合(he)同(tong)的(de)變(bian)化(hua)時(shi)，我(wo)們(men)應(ying)該(gai)怎(zen)麼(me)做(zuo)呢(ne)

？ 保險合同的變更一般分為兩部分：...

買保險看品牌嗎？當然不是，那看什麼？當然，保險是條款啦！購gou買mai保bao險xian時shi
，推tui銷xiao員yuan吹chui天tian空kong，你ni不bu要yao反fan對dui條tiao款kuan。如ru果guo因yin為wei之zhi後hou沒mei有you檢jian查zha而er無wu法fa使shi用yong理li賠pei
，則ze保bao費fei可ke視shi為wei白bai色se。但dan是shi，看kan這zhe麼me多duo條tiao款kuan是shi非fei常chang耗hao時shi的de，所suo以yi多duo保bao魚yu整zheng理li了le...

baoxianzhegechanpinyuguoquqitachanpinbutong。tameiyouxiangbingxiangyiyanggoumaitabingchangshitayoumeiyouwenti，baoxianshizhizhihetong。tawufakandao。zhiyoufengxianfashenglexuyaolipeicaizhidaobaoxiandezhenzhengyiyi。namezhegeshihoubaoxianlipeijiuhenzhongyaole。 看保險合同就挑著重...

從法律角度來看
，保險是一種商業行為，合同就是其表現形式。所謂合同
，也稱契約
，是指平等主體當事人之間達成協議，設立
、變更和終止權利和義務
，以達到某種目的。相關方是指在訂立合同時確定權利和義務的人。 保險...

很hen多duo人ren在zai選xuan擇ze保bao險xian的de時shi候hou
，總zong是shi吧ba保bao險xian搞gao混hun，不bu是shi重zhong疾ji險xian和he醫yi療liao險xian傻sha傻sha分fen不bu清qing，就jiu是shi壽shou險xian和he年nian金jin險xian傻sha傻sha分fen不bu清qing。谘zi詢xun多duo保bao魚yu的de人ren有you很hen多duo，特te別bie是shi在zai這zhe個ge年nian底di，眾zhong多duo保bao險xian公gong司si紛fen紛fen推tui出chu了le新xin產chan品pin以yi及ji新xin的de優you惠hui組zu合he

，我wo們men就jiu先xian來lai了le解jie一yi...

       隨(sui)著(zhe)現(xian)在(zai)社(she)會(hui)保(bao)險(xian)意(yi)識(shi)的(de)提(ti)高(gao)，現(xian)在(zai)很(hen)多(duo)人(ren)有(you)了(le)保(bao)險(xian)的(de)意(yi)識(shi)
，很(hen)多(duo)人(ren)也(ye)秒(miao)了(le)很(hen)多(duo)保(bao)險(xian)從(cong)，這(zhe)其(qi)中(zhong)就(jiu)包(bao)括(kuo)了(le)我(wo)身(shen)邊(bian)的(de)朋(peng)友(you)
，其(qi)中(zhong)有(you)很(hen)多(duo)都(dou)是(shi)停(ting)身(shen)邊(bian)的(de)人(ren)推(tui)薦(jian)和(he)保(bao)險(xian)銷(xiao)售(shou)人(ren)員(yuan)的(de)推(tui)薦(jian)就(jiu)投(tou)保(bao)了(le)
，保(bao)險(xian)合(he)同(tong)也(ye)沒(mei)看(kan)清(qing)楚(chu)，等(deng)...

suizheshehuidefazhanyijijiaoyushuipingdetigao，xianzaihenduorenyoubaoxiandeyishi，zheyeshiyigefeichanghaodexianxiang。daonashisuizherenmendexuqiudezengduo

，shimianshangchuxianyuelaiyueduodebaoxianchanpin，rangrenyanhualiaoluan
，buzhidaoyaoruhexuanze。jintianduobaoyujiuyaoxianhedajiajieshaoyi...

　　womenzaigoumaibaoxiandeshihou，zuiguanxindewentizhiyijiushibaoxiandelipeiwenti，youhenduorenyinweihaipalipeibuleerjujuegeizijipeizhibaoxian，zheqishishifeichangbulizhidexingwei，henduoshihoudoushiyinweiwomenzishendeyuanyinerzaochenglipeijiufen，zheqizhongzhiyijiuyoubaoxiande...

　　henduorengoumailebaoxianyihoujiurengzaijiaoluobuguanbuwen

，baoxianhetongyemeikan
，genbenbuzhidaobaoxianhetongkeyibaoxian，bubaoshenme。namezhegeshihouwentijiulaile
，yaoshichuxianlezenmebanne？baoxianhetongshangmiannameduozi
，mimimamadeyekanbudong

，zenmeban？duobaoyujiao...

　　100種嚴重疾病

、輕症豁免、多次賠付、 重疾綠通
、到期返還 ...現在的保險合同內容太多太複雜了，我們到底要怎麼看？保險合同中有哪些功能
，我們應該重視什麼？多保魚今天來為大家解答。 　　1.重疾...

　　henduobaoxianxiaobaihenrongyizaitoubaodeshihourukeng，chulebaoxianxiaoshourenyuandehuyouyiwai
，haiyouzijikanbudongbaoxianhetong，zaitoubaoleyihou，faxianmaicuole，haibuzhidaoruhequtuibao，quweihuzijidequanyi。zhiqianshuolebaoxianhetongxiangguanneirong

，jintianjiujiangjiangbaoxianlimian...

　　xianzairenmendebaoxianyishizaibuduandetigao，xuduorendoukaishiweizijihejiarenpeizhibaoxian。xianzaishimianshangdebaoxianchanpinyeshiyuelaiyueduo，namewentilaile
，zhemeduobaoxianchanpin，haiyouzhemeduodebaoxianhetong，daodiyaozenmekanne？henudaorendouzaimihuo
，baoxianxiaoshouren...