買過重疾險的朋友應該都知道有一條叫做“投保人豁免”
，henduorenzaigoumaibaoxianchanpinshi，douhuifeichangjiujiezhegewenti。yaobuyaofujiatoubaorenhuomian？fujiatoubaorenhuomianyoumeiyoubiyao
？huasuanbuhuasuan
？jintian
，womenjiulailiaoliaoguanyutoubaorenhuomiandeyixiewenti...

duizhongjixianyouyidingjiechuhelejiedepengyoudouzhidao，zhongjixiandebaozhangteshu，tazhibaozhanghetongyuedingneidejibingbingzhong，ruguobeibaorenlihuandezhongjihebaoxianhetongneidemeiyouguanxi，zewufajinxinglipei。namewomenzaixuanzezhongjixiandeshihou，shibushibaozhangdebingzhongyueduoyuehao
？...

買保險肯定要有投保人和被保險人，比如：媽ma媽ma給gei孩hai子zi投tou保bao
，媽ma媽ma就jiu是shi投tou保bao人ren，孩hai子zi是shi被bei保bao險xian人ren。在zai重zhong疾ji險xian中zhong，還hai有you一yi種zhong常chang見jian的de增zeng值zhi服fu務wu叫jiao做zuo豁huo免mian。豁huo免mian又you分fen為wei投tou保bao人ren豁huo免mian和he被bei保bao險xian人ren豁huo免mian。今jin天tian小xiao編bian主zhu要yao給gei大da家jia講jiang一yi講jiang投tou保bao人ren豁huo免mian...

導讀：這(zhe)類(lei)重(zhong)疾(ji)險(xian)保(bao)險(xian)業(ye)務(wu)員(yuan)最(zui)喜(xi)歡(huan)給(gei)你(ni)推(tui)薦(jian)，但(dan)是(shi)千(qian)萬(wan)別(bie)買(mai)
，為(wei)什(shen)麼(me)？我(wo)來(lai)告(gao)訴(su)你(ni)現(xian)在(zai)老(lao)百(bai)姓(xing)的(de)日(ri)子(zi)也(ye)過(guo)得(de)越(yue)來(lai)越(yue)好(hao)了(le)，但(dan)是(shi)也(ye)沒(mei)有(you)好(hao)到(dao)能(neng)抵(di)禦(yu)任(ren)何(he)風(feng)險(xian)的(de)程(cheng)度(du)，所(suo)以(yi)很(hen)多(duo)人(ren)就(jiu)想(xiang)著(zhe)給(gei)自(zi)己(ji)或(huo)者(zhe)家(jia)人(ren)買(mai)個(ge)一(yi)份(fen)重(zhong)疾(ji)險(xian)，將(jiang)來(lai)萬(wan)一(yi)出(chu)...