意外險和壽險在理賠上有衝突嗎
？

一般建議意外險的保額要是個人年收入的10倍到15beizhijian

，zheyangdehua，jishizhendeshifashengleshenmeyiwai，zhexiebaoeyeshizugoule。tebieshiduiyujiatingdezhizhulaishuo，yiwaixiandebaoegengyinggaishezhidegaoyixie，yinweijiatingzhizhuyidanshangcanhuozhesiwangdehua
，jiatingdeshourujiuduanle，shangyoulaoxiayouxiao
，gaizenmeban？suoyiyifengaobaoedeyiwaixianjiunengbangzhunijiejuebushaodewenti。

guanyugoumaiyiwaixian，daodimaiduoshaoqiandebaofeiheshine
？qishi，guanyuyiwaixianbaofeideqingkuang
，zhegeshiyaokannigerendejingjitiaojiande，tiaojianhao

，ziranjiukeyiduomaiyixie
，zheyangdehua，baoejiuhuigenggaoyixie，dangran，tiaojianchayidiande
，najiushaomaiyidian。

意(yi)外(wai)險(xian)和(he)壽(shou)險(xian)不(bu)衝(chong)突(tu)，那(na)麼(me)對(dui)於(yu)購(gou)買(mai)意(yi)外(wai)險(xian)的(de)話(hua)，哪(na)家(jia)公(gong)司(si)好(hao)呢(ne)
？這(zhe)個(ge)答(da)案(an)也(ye)不(bu)能(neng)一(yi)概(gai)而(er)論(lun)
，不(bu)過(guo)可(ke)以(yi)告(gao)訴(su)你(ni)的(de)是(shi)，選(xuan)擇(ze)保(bao)險(xian)公(gong)司(si)
，可(ke)以(yi)參(can)考(kao)下(xia)麵(mian)三(san)個(ge)標(biao)準(zhun)：

第一
，保險公司的規模大不大。投保意外險一定要選擇規模大的保險公司，這樣它才具有賠付保險金的能力。

第(di)二(er)，保(bao)險(xian)公(gong)司(si)的(de)知(zhi)名(ming)度(du)強(qiang)不(bu)強(qiang)。你(ni)要(yao)選(xuan)擇(ze)的(de)這(zhe)家(jia)保(bao)險(xian)公(gong)司(si)，是(shi)不(bu)是(shi)很(hen)多(duo)人(ren)都(dou)知(zhi)道(dao)呢(ne)？是(shi)不(bu)是(shi)曾(zeng)經(jing)有(you)人(ren)理(li)賠(pei)過(guo)呢(ne)？隻(zhi)有(you)知(zhi)名(ming)度(du)強(qiang)的(de)公(gong)司(si)，才(cai)能(neng)說(shuo)明(ming)在(zai)這(zhe)家(jia)保(bao)險(xian)公(gong)司(si)購(gou)買(mai)的(de)人(ren)有(you)很(hen)多(duo)。

第di三san，保bao險xian公gong司si的de服fu務wu質zhi量liang高gao不bu高gao。要yao知zhi道dao，好hao的de服fu務wu質zhi量liang
，才cai能neng讓rang你ni盡jin快kuai地di得de到dao你ni的de理li賠pei金jin

，否fou則ze的de話hua，就jiu會hui出chu現xian磨mo磨mo唧ji唧ji，遲chi遲chi不bu理li賠pei的de現xian象xiang。

yiwaixianheshouxianyouchongtuma？yiwaixianheshouxianbingbuchongtu，weishenmene？yinweiyiwaixianheshouxiansuirandoushikeyipeifushengude，danshiyiwaixianpeifudeshengujinjinshiyinweiyiwaishanghaizaochengde，ershouxiankeyipeifudeshengu，bulunshiyinweiyiwaishanghaizaochengde，haishiyinweijibingzaochengde，doushikexingde。nameshibushishuo，youleshouxianjiubuxuyaoyiwaixianlene？qishiyebushi。yaozhidaoyiwaixianshizhenduixingbijiaoqiangdeyizhongbaoxian
，ruguozhendeshiyinweiyiwaishanghaidaozhideshangcanhuozheshishengu，peifushifeichanggaode。ershouxiandehua，peifujiuhuidiyixie，erqieshouxiandebaofeiyehuibiyiwaibaoxiangaoyixie。suoyizheliangzhongbaoxian，xuanzenazhong，huozheliangzhongdouxuanze，kannigerendejueding。zongzhi
，tamenzhijianshibuchongtude。