最近想給孩子買一份重疾險
，聽說投保人豁免非常有用，想問一下，附加投保人豁免需要體檢嗎
？

投tou保bao人ren豁huo免mian的de體ti檢jian要yao看kan你ni的de保bao險xian公gong司si需xu不bu需xu要yao你ni去qu做zuo，如ru果guo需xu要yao就jiu去qu體ti檢jian，不bu需xu要yao就jiu不bu用yong，畢bi竟jing體ti檢jian也ye是shi要yao花hua錢qian。健jian康kang告gao知zhi這zhe個ge建jian議yi你ni保bao險xian公gong司si問wen你ni什shen麼me你ni就jiu回hui答da什shen麼me，不bu問wen就jiu不bu說shuo
，

toubaorendejiankangyingxiangdeshitoubaorenhuomianzeren，youshenguhuomian
，youzhongdajibinghuomian，yinweihuomianbaoejiushigaibaoxianzhuxianbaofei，jinebushihengao
，jibenbuhuirangtoubaorenqutijian。

toubaorenduizijidejiankangzhuangkuangshiyourushigaozhideyiwude
，suoyizaibaoxiangongsilvxingzijizerendetongshi
，toubaorenyeshixuyaolvxingzijideyiwude，suoyishixuyaoninzhudonggaozhibaoxiangongsinindeshentijiankangqingkuangde。zhiyuyaobuyaotijianjiukanziji，huozhebaoxiangongsideyaoqiu