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...

現xian在zai隨sui著zhe消xiao費fei者zhe保bao險xian意yi識shi的de逐zhu漸jian增zeng強qiang
，很hen多duo人ren在zai購gou買mai保bao險xian產chan品pin上shang更geng加jia帶dai有you主zhu動dong性xing，但dan是shi在zai購gou買mai保bao險xian產chan品pin的de時shi候hou也ye會hui遇yu到dao各ge種zhong各ge樣yang的de問wen題ti，比bi如ru說shuo在zai購gou買mai健jian康kang險xian的de時shi候hou遇yu到dao的de健jian康kang告gao知zhi問wen題ti。就jiu會hui有you部bu分fen人ren因yin為wei不bu懂dong如ru何he填tian寫xie，導dao致zhi最zui...

shimianshangdabufendeyiliaoxianheyiwaixiandoushiduanqidebaoxianchanpin
，zhiyouduanduanyiniandebaoqi
，zaibaoxianqimanhoujiuxuyaoxubao。danshiyiwaixianheyiliaoxianyouyigehendadebutong，najiushizaitoubaoshibuxuyaojiankanggaozhi
，jibiandaiyoujibingyenengtoubao。namezhelijiuyouyigewenti...

goumaijiankangxiandeshihoudajiayinggaidouhuijiechudaojiankanggaozhi，zhiyoutongguojiankanggaozhicainengtoubao
，danshihenduorenbuzhidaojibianshentiyouyichangyekeyigoumaibaoxian，baoxianjiankanggaozhibingbuzhiyoutongguohejubaoliangzhong。haiyouhenduohebaojielun，jutilailejieyixia。 一、什麼叫...

購gou買mai商shang業ye保bao險xian的de時shi候hou，最zui需xu要yao注zhu意yi的de是shi什shen麼me呢ne？那na就jiu是shi簽qian訂ding保bao險xian合he同tong了le，因yin為wei一yi旦dan簽qian下xia去qu，就jiu代dai表biao自zi己ji已yi經jing認ren同tong合he同tong裏li的de所suo有you條tiao款kuan，之zhi後hou理li賠pei或huo者zhe收shou益yi都dou是shi要yao根gen據ju合he同tong來lai說shuo話hua。很hen多duo人ren知zhi道dao合he同tong非fei常chang有you用yong，但dan是shi奈nai何he保bao險xian合he同tong實shi在zai太tai...

xianzaiyouyudajiadebaoxianyishikaishitisheng，henduorendoukaishigoumaiqilebaoxianchanpin
，qizhongxiaoliangzuihaodejiushijiankangxian，bijinghuanshangjibinghou
，zhiliaofeiyongdoushikaotajinxingbaoxiaode。danshizaitoubaojiankangxiandeshihou，henduorendoufaxianlezhemeyidian
，bixuyaotongguojiankanggaozhicai...

保bao險xian行xing業ye的de水shui是shi比bi較jiao深shen的de，很hen多duo東dong西xi即ji便bian是shi保bao險xian銷xiao售shou員yuan都dou搞gao不bu懂dong，更geng何he況kuang剛gang接jie觸chu的de消xiao費fei者zhe。這zhe不bu最zui近jin就jiu有you讀du者zhe朋peng友you向xiang多duo保bao魚yu小xiao編bian詢xun問wen，保bao險xian單dan和he保bao險xian合he同tong是shi不bu是shi同tong一yi個ge東dong西xi
，他ta們men之zhi間jian有you什shen麼me差cha別bie呢ne？下xia麵mian就jiu跟gen著zhe多duo保bao魚yu小xiao編bian一yi起qi來lai...

大da家jia都dou知zhi道dao重zhong疾ji的de患huan病bing率lv是shi會hui隨sui著zhe年nian齡ling的de增zeng大da而er不bu斷duan提ti高gao的de
，這zhe也ye導dao致zhi很hen多duo上shang了le年nian紀ji的de人ren買mai不bu到dao重zhong疾ji產chan品pin，因yin為wei風feng險xian太tai大da了le。這zhe裏li需xu要yao注zhu意yi一yi點dian，雖sui然ran年nian齡ling大da患huan重zhong病bing的de幾ji率lv比bi較jiao大da，但dan並bing不bu是shi說shuo年nian齡ling小xiao就jiu無wu法fa患huan上shang重zhong疾ji。少shao兒er白bai血xue病bing...

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...

xianzaisuizhejibingfengxianyuelaiyueyanzhong
，henduorenyishidaolebaoxiandezuoyong
，kaishizhudonggeizijihejiarengoumaibaoxianchanpin。danshibaoxianzhegexingyebushijianjiandandankanjipianwenzhangjiunengqingchurenshide
，xuyaozhuyihenduofangmian，xiamianjiugenduobaoyuxiaobianyiqilailejieyixia。 1....

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...

社(she)保(bao)中(zhong)的(de)醫(yi)保(bao)的(de)報(bao)銷(xiao)範(fan)圍(wei)是(shi)有(you)限(xian)的(de)
，一(yi)旦(dan)患(huan)上(shang)重(zhong)疾(ji)住(zhu)院(yuan)


，如(ru)果(guo)單(dan)純(chun)靠(kao)社(she)保(bao)是(shi)遠(yuan)遠(yuan)不(bu)夠(gou)的(de)，所(suo)以(yi)很(hen)多(duo)人(ren)就(jiu)想(xiang)到(dao)了(le)買(mai)商(shang)業(ye)醫(yi)療(liao)險(xian)。但(dan)是(shi)多(duo)保(bao)魚(yu)小(xiao)編(bian)相(xiang)信(xin)很(hen)多(duo)朋(peng)友(you)對(dui)於(yu)如(ru)何(he)購(gou)買(mai)商(shang)業(ye)醫(yi)療(liao)險(xian)是(shi)並(bing)不(bu)了(le)解(jie)的(de)
，所(suo)以(yi)今(jin)天(tian)多(duo)保(bao)魚(yu)小(xiao)編(bian)就(jiu)給(gei)大(da)家(jia)來(lai)...

jiankanggaozhishimaibaoxianchanpindediyidaomenkan，henduorendoukazaizheshangmian，youderenshiyinweishentiyouyichangwufatongguo，eryouderenzeshiyinweibuzhongshi，suibiantianxiedaozhiwufatongguo。namejiankanggaozhiyinggaizenmetianxiecaibuhuicuone？xiamianjiugenduobaoyuxiaobianyiqilailejieyixia...

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...

現(xian)在(zai)很(hen)多(duo)老(lao)年(nian)人(ren)由(you)於(yu)年(nian)輕(qing)的(de)時(shi)候(hou)太(tai)過(guo)勞(lao)累(lei)
，在(zai)冬(dong)天(tian)也(ye)出(chu)去(qu)幹(gan)活(huo)，上(shang)了(le)年(nian)紀(ji)後(hou)就(jiu)患(huan)上(shang)了(le)風(feng)濕(shi)。風(feng)濕(shi)算(suan)是(shi)一(yi)個(ge)比(bi)較(jiao)常(chang)見(jian)的(de)疾(ji)病(bing)了(le)，具(ju)體(ti)症(zheng)狀(zhuang)也(ye)並(bing)不(bu)致(zhi)命(ming)
，隻(zhi)是(shi)在(zai)天(tian)冷(leng)下(xia)雨(yu)的(de)時(shi)候(hou)會(hui)腿(tui)疼(teng)，那(na)麼(me)就(jiu)有(you)一(yi)個(ge)問(wen)題(ti)了(le)
，患(huan)上(shang)風(feng)濕(shi)病(bing)到(dao)底(di)能(neng)不(bu)能(neng)買(mai)...

買mai保bao險xian最zui重zhong要yao的de什shen麼me呢ne？當dang然ran就jiu是shi簽qian訂ding合he同tong了le。保bao險xian說shuo到dao底di是shi一yi個ge合he約yue產chan品pin


，隻zhi要yao不bu違wei規gui，保bao險xian合he同tong的de法fa律lv效xiao應ying就jiu一yi直zhi在zai，雙shuang方fang都dou要yao遵zun守shou合he同tong上shang的de條tiao規gui。無wu奈nai的de是shi，很hen多duo人ren都dou不bu懂dong去qu看kan合he同tong，或huo者zhe根gen本ben看kan不bu懂dong合he同tong。畢bi竟jing保bao險xian合he同tong密mi...

買(mai)保(bao)險(xian)，說(shuo)到(dao)底(di)就(jiu)是(shi)買(mai)了(le)一(yi)份(fen)保(bao)險(xian)合(he)同(tong)回(hui)家(jia)，如(ru)果(guo)保(bao)險(xian)合(he)同(tong)看(kan)不(bu)懂(dong)
，那(na)是(shi)非(fei)常(chang)吃(chi)虧(kui)的(de)
，今(jin)天(tian)小(xiao)編(bian)就(jiu)通(tong)過(guo)簡(jian)單(dan)幾(ji)步(bu)教(jiao)你(ni)輕(qing)鬆(song)搞(gao)定(ding)保(bao)險(xian)合(he)同(tong)
，再(zai)也(ye)不(bu)怕(pa)麵(mian)對(dui)這(zhe)本(ben)“天書”望而卻步抓耳撓腮了。 一、保單基本信息 保險合同又稱之為...