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...

一yi直zhi在zai看kan多duo保bao魚yu的de朋peng友you應ying該gai都dou知zhi道dao，我wo們men前qian麵mian大da多duo都dou在zai講jiang重zhong疾ji險xian醫yi療liao險xian
，這zhe些xie都dou是shi跟gen健jian康kang相xiang關guan的de保bao險xian。而er事shi實shi上shang，對dui於yu所suo有you的de成cheng年nian人ren來lai說shuo，最zui應ying該gai買mai的de是shi定ding期qi壽shou險xian！但很多朋友對它的了解卻很少，今天我們就來說說這個神秘的險...

有(you)許(xu)多(duo)保(bao)險(xian)公(gong)司(si)為(wei)了(le)吸(xi)引(yin)客(ke)戶(hu)，會(hui)推(tui)出(chu)一(yi)些(xie)特(te)別(bie)的(de)保(bao)險(xian)產(chan)品(pin)
，比(bi)如(ru)組(zu)合(he)型(xing)保(bao)險(xian)
，將(jiang)幾(ji)個(ge)保(bao)險(xian)產(chan)品(pin)組(zu)合(he)搭(da)配(pei)在(zai)一(yi)起(qi)進(jin)行(xing)銷(xiao)售(shou)，讓(rang)保(bao)障(zhang)條(tiao)款(kuan)更(geng)加(jia)完(wan)善(shan)。 之前多保魚總認為，保險條款應當是越簡單越好
，如果保險產品比較複雜，就很...

定(ding)期(qi)壽(shou)險(xian)是(shi)以(yi)被(bei)保(bao)人(ren)生(sheng)命(ming)為(wei)保(bao)障(zhang)標(biao)準(zhun)的(de)保(bao)險(xian)產(chan)品(pin)。也(ye)就(jiu)是(shi)說(shuo)
，定(ding)期(qi)壽(shou)險(xian)規(gui)定(ding)在(zai)一(yi)定(ding)期(qi)限(xian)內(nei)，如(ru)果(guo)被(bei)保(bao)人(ren)身(shen)故(gu)或(huo)者(zhe)是(shi)全(quan)殘(can)就(jiu)可(ke)以(yi)獲(huo)得(de)賠(pei)償(chang)金(jin)額(e)。當(dang)然(ran)


，如(ru)果(guo)在(zai)這(zhe)段(duan)期(qi)間(jian)內(nei)沒(mei)有(you)出(chu)險(xian)，保(bao)單(dan)自(zi)動(dong)作(zuo)廢(fei)
，而(er)且(qie)保(bao)險(xian)公(gong)司(si)也(ye)不(bu)會(hui)把(ba)保(bao)費(fei)退(tui)還(hai)給(gei)...

maibaoxiandeshihou
，zuirangrentoutengdejiushibaoxianhetong。baoxianhetonghouhouyita
，tiaokuanyijizhuanyeshuyuzhongduo，buzhidaonagetiaokuanshizhongyaode，nagetiaokuanbutaizhongyao
，xiaofeizhegenbenjiubuzhidaocongnalikanqi。zhegeshihou
，baoyujunlaijiaoniruhekuaisukandongbaoxianhetong，zhiyao...

定(ding)期(qi)壽(shou)險(xian)主(zhu)要(yao)針(zhen)對(dui)被(bei)保(bao)險(xian)人(ren)在(zai)保(bao)險(xian)期(qi)間(jian)內(nei)發(fa)生(sheng)了(le)身(shen)故(gu)或(huo)者(zhe)是(shi)傷(shang)殘(can)後(hou)，保(bao)險(xian)公(gong)司(si)依(yi)照(zhao)合(he)同(tong)保(bao)單(dan)給(gei)付(fu)賠(pei)償(chang)金(jin)，這(zhe)款(kuan)保(bao)險(xian)產(chan)品(pin)保(bao)障(zhang)型(xing)明(ming)確(que)，有(you)不(bu)少(shao)朋(peng)友(you)可(ke)能(neng)會(hui)問(wen)
，市(shi)場(chang)上(shang)定(ding)期(qi)壽(shou)險(xian)產(chan)品(pin)這(zhe)麼(me)多(duo)，該(gai)怎(zen)麼(me)選(xuan)呢(ne)
？下(xia)麵(mian)多(duo)保(bao)魚(yu)給(gei)大(da)家(jia)詳(xiang)細(xi)介(jie)紹(shao)下(xia)...

dingqishouxianshihenaxierenmai？baoyujunfanfuqiangtiao，jiatingjingjizhizhuyidingyaomaidingqishouxian，zheshiyinweijiatingjingjizhizhu，tongchangshangyounianmaidelaoren，xiayoudushudexiaohai，yidanbuxingzaoyushengu，jiuhuirangjiatingjingjixianrukunjing，jiubirushuo，fangdaichedaiwurenchanghai，zinv...

年入5萬的三口之家，買得起保險嗎？我們來看29suifuqi，yisuinanhai，nvxingshiquanzhimama，womengeidaodefangan
，diyi，yidingyaoquebaoquanjiadouyoushebao
，dier，sankourenmaibaiwanyiliaoxian，meinianjiaofeiyiqianwubaikuaizuoyou，disan，zhongjixian，youxianjiatingjing...

現xian代dai社she會hui經jing濟ji文wen明ming的de不bu斷duan進jin步bu，使shi人ren們men開kai始shi追zhui求qiu更geng加jia有you質zhi量liang的de生sheng活huo

，保bao險xian也ye逐zhu漸jian成cheng為wei眾zhong多duo人ren的de選xuan擇ze，在zai保bao險xian市shi場chang裏li保bao險xian產chan品pin種zhong類lei繁fan多duo，保bao障zhang的de方fang麵mian也ye多duo種zhong多duo樣yang
，商shang業ye綜zong合he責ze任ren險xian就jiu是shi當dang前qian比bi較jiao熱re門men的de新xin型xing保bao險xian，這zhe種zhong保bao險xian相xiang信xin有you不bu少shao...

shouxianshibaozhangbeibaorenshengsidebaoxianchanpin
，zheleibaoxiantongchangfenweidingqihezhongshen
，bencijiangjiedeshidingqishouxian
，yeshidangqianhenduorenhuixuanzederemenbaoxianchanpin，weishenmezhefenbaoxianhuizhemeqiangshoune，qishizhuyaoshixianzaideshenghuoyalitaida，yigejiatingdeshouruhenduoshihouyou...

zhongshenshouxiangenjumingchengdagaijiunengzhidao
，shouxianbaozhangzhizhongshen，yejiushishuo，zhiyaohetongdinglihou，beibaorenwulunheshishengu，baoxianrendouyinggaizhifupeichangjin。zhongshenshouxianyudingqishouxianzuidadequebiejiushiqixian，dingqishiyidingshijianduan，guoleshijianjiuzhijiezuofei，erzhongshenshou...

定(ding)期(qi)壽(shou)險(xian)是(shi)當(dang)前(qian)保(bao)險(xian)市(shi)場(chang)十(shi)分(fen)火(huo)熱(re)的(de)保(bao)險(xian)產(chan)品(pin)，大(da)家(jia)可(ke)以(yi)看(kan)到(dao)不(bu)少(shao)人(ren)選(xuan)擇(ze)這(zhe)款(kuan)保(bao)險(xian)是(shi)因(yin)為(wei)他(ta)比(bi)較(jiao)高(gao)的(de)性(xing)價(jia)比(bi)和(he)杠(gang)杆(gan)，千(qian)元(yuan)就(jiu)能(neng)換(huan)取(qu)百(bai)萬(wan)的(de)保(bao)障(zhang)金(jin)，確(que)實(shi)是(shi)利(li)潤(run)豐(feng)厚(hou)，對(dui)一(yi)般(ban)的(de)人(ren)來(lai)講(jiang)
，這(zhe)份(fen)保(bao)險(xian)有(you)著(zhe)不(bu)小(xiao)的(de)誘(you)惑(huo)
，那(na)麼(me)買(mai)這(zhe)份(fen)保(bao)險(xian)到(dao)...

youbushaodepengyoukanwanduobaoyudewenzhangdouhuiliuyan
，qizhongyouyiweipengyouliuyanhenyouyisishuoliannidebaoxianshuyudoukanbudongshibushisuangaobiebaoxianxingyele，zhezhongshiqingwanquanbuhuifasheng，jiexialaiduobaoyuhuizuohenduoshuyujiangjieweigengduobudongbaoxianzhishidepengyoukepuyixiabaoxianji...

壽險在保險行業其實有一個比較精準的定位
，就是被大家稱為“死亡保險”，ershimianshangdaduoshudedingqishouxianbingmeiyoutaidadechabie，ruguofeiyaoshuoxijiedehua
，nazhuyaojiutixianzaiyoumeiyoufugaidaoquancan，jutidexingjiabijiujingruhe，zheshidajiatoubaozhiqian...

bainianguilaoshibushaorendeguixiu，zaicizhiqianyouyixiepengyoujiuzaixiangrenzhongyouguilaodeyitian，xuanzeyifenshouxianzaiguilai，geizijidezinvliuxiayibibufeidecaifu，heleerbuweine

，yinci，juedingleshouxiannajiushaobulekaishixuanzenazhongchanpinhao，duobaoyuzaizhelijiukeyiweida...

meigerendouhuiyouzijizuihoudeguixiu，bijingrendeyishengjiuzhemechang，bushaodejiatingkaishiweizijiderenshengzuochuleguihua
，birushuozhongshenshouxianzhejiushidaduoshurendexuanze，yeyoubufenjiatingduiyuzhongshenshouxianhaibushihenqingchu，najiexialaiduobaoyujiudaidajialaikankanzhongshenshouxianshi...

在1996年nian的de時shi候hou中zhong國guo人ren壽shou正zheng式shi成cheng立li，這zhe家jia專zhuan注zhu於yu團tuan隊dui保bao險xian和he學xue生sheng類lei型xing的de學xue平ping險xian的de國guo壽shou在zai保bao險xian市shi場chang上shang，每mei一yi項xiang成cheng績ji都dou十shi分fen引yin人ren注zhu目mu，比bi如ru說shuo康kang寧ning終zhong身shen，這zhe款kuan保bao險xian當dang初chu橫heng掃sao保bao險xian市shi場chang了le無wu對dui手shou，然ran而er現xian在zai的de保bao險xian市shi場chang競jing爭zheng不bu斷duan升sheng級ji
，...

zaibaoxiandezhegedashichanglimian，shouxianmaosichengweiyigehuoredebaoxianchanpin
，bushaodepengyoukaishiqulejieshouxian，dabufenrenzhidaoshouxianfenweidingqihezhongshen，buzhidaodeshizheliangzhezhijianjutiyoushenmequbie
，baohandefanweiyijipeichangdejineshiyizhidema
，jiexialaiduobaoyujiu...

xianzaiqichedepujiyuelaiyuedaowei，bushaojiatingchuxingdoushikaizheqiche，kaileqichejiushaobulemaibaoxian，nameguanyuqichedebaoxianbijiaoremendenajiushidisanzhezerenbaoxianle，zhegeshihoujiuyoupengyouhuiwenle，jiaoqiangxianbushipeichangdisanfangdebaoxianma？tamenzhiqianyoushenmequbie...

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：...