最近在買保險的時候看到這兩個名詞，保險生效期和等待期，想問一下這兩個有什麼不同？

baoxiandedengdaiqishirenshoubaoxianzhongdeyigezhongyaogainian，shizhihetongzaishengxiaodezhidingshijianneijishifashengbaoxianshigu
，shouyirenyebunenghuodebaoxianhetongliyuedingdebaoxianpeichange，zheyizhidingshiqijiushidengdaiqi，youchengweiguanchaqihuozhemianpeiqi。baoxiandedengdaiqitiaokuandeshelizhuyaoshiweilefangzhinixuanzedefasheng
，woguobaoxianchanpindedengdaiqiyibanwei90天或者180天(tian)，一(yi)般(ban)來(lai)說(shuo)高(gao)回(hui)報(bao)率(lv)的(de)保(bao)險(xian)產(chan)品(pin)的(de)等(deng)待(dai)期(qi)會(hui)比(bi)較(jiao)長(chang)，客(ke)戶(hu)希(xi)望(wang)等(deng)待(dai)期(qi)越(yue)短(duan)越(yue)好(hao)，但(dan)是(shi)兩(liang)者(zhe)的(de)平(ping)衡(heng)並(bing)不(bu)好(hao)維(wei)持(chi)。此(ci)時(shi)就(jiu)需(xu)要(yao)找(zhao)個(ge)經(jing)驗(yan)豐(feng)富(fu)的(de)保(bao)險(xian)業(ye)務(wu)員(yuan)對(dui)保(bao)險(xian)產(chan)品(pin)的(de)等(deng)待(dai)期(qi)與(yu)保(bao)額(e)高(gao)低(di)進(jin)行(xing)分(fen)析(xi)，盡(jin)可(ke)能(neng)為(wei)客(ke)戶(hu)提(ti)供(gong)兩(liang)全(quan)的(de)保(bao)險(xian)產(chan)品(pin)。

保bao險xian生sheng效xiao期qi是shi指zhi在zai投tou保bao人ren和he保bao險xian人ren在zai簽qian訂ding保bao險xian合he同tong，且qie保bao險xian合he同tong開kai始shi生sheng效xiao到dao保bao險xian失shi效xiao的de這zhe一yi段duan時shi間jian。很hen多duo人ren都dou以yi為wei保bao險xian合he同tong簽qian字zi以yi後hou就jiu立li即ji生sheng效xiao
，實shi則ze不bu然ran，不bu同tong類lei型xing的de保bao險xian，其qi合he同tong生sheng效xiao的de日ri期qi有you不bu同tong的de規gui定ding。