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做不到这两点,你年交10万保费,还是会拒赔!

来源: 南方日报网络版     时间: 2018年10月23日 20:00:14
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(原)(标)(题)(:做)(不)(到)(这)(两)(点)(,你)(年)(交)(10万)(保)(费)(,还)(是)(会)(拒)(赔)(!
◎文)(|童)(博)(士)(
某)(私)(营)(企)(业)(主)(,自)(驾)(遭)(遇)(车)(祸)(,右)(手)(腕)(关)(节)(截)(肢)(,本)(想)(着)(自)(己)(每)(年)(10万)(多)(元)(的)(保)(费)(,也)(是)(当)(初)(经)(过)(认)(真)(选)(择)(的)(,这)(么)(严)(重)(的)(事)(故)(可)(以)(得)(到)(一)(大)(笔)(理)(赔)(金)(,没)(想)(到)(竟)(然)(被)(保)(险)(公)(司)(拒)(赔)(!
在)(骂)(“保)(险)(是)(骗)(人)(的)(”之)(前)(,我)(们)(先)(看)(看)(他)(买)(了)(什)(么)(保)(险)(。一)(份)(重)(疾)(险)(,一)(份)(分)(红)(险)(。重)(疾)(险)(保)(障)(的)(是)(重)(大)(疾)(病)(,分)(红)(险)(属)(于)(理)(财)(类)(,均)(不)(含)(意)(外)(伤)(残)(的)(保)(障)(。
现)(在)(很)(多)(人)(对)(于)(应)(不)(应)(该)(买)(保)(险)(这)(事)(儿)(,已)(经)(没)(有)(太)(大)(的)(异)(议)(了)(。但)(是)(怎)(么)(买)(,很)(多)(人)(还)(是)(一)(团)(雾)(水)(。有)(一)(句)(话)(,说)(得)(一)(针)(见)(血)(——
现)(在)(绝)(大)(多)(数)(保)(险)(销)(售)(人)(员)(在)(操)(心)(本)(该)(保)(险)(消)(费)(者)(自)(己)(操)(心)(的)(事)(儿)(——买)(不)(买)(
相)(反)(地)(,保)(险)(消)(费)(者)(自)(己)(在)(合)(计)(保)(险)(销)(售)(人)(员)(应)(该)(干)(的)(事)(儿)(——怎)(么)(买)(
保)(险)(到)(底)(该)(怎)(么)(买)(?从)(框)(架)(上)(说)(,一)(份)(家)(庭)(保)(险)(方)(案)(能)(否)(起)(到)(足)(够)(的)(保)(障)(作)(用)(,取)(决)(于)(两)(个)(因)(素)(:
1.险)(种)(规)(划)(是)(否)(合)(理)(
2.保)(额)(设)(定)(是)(否)(合)(适)(
从)(人)(身)(风)(险)(角)(度)(,我)(们)(会)(面)(临)(哪)(些)(风)(险)(?
01
早)(逝)(的)(风)(险)(
很)(多)(人)(考)(虑)(保)(险)(的)(时)(候)(,首)(先)(想)(到)(的)(是)(大)(病)(,担)(心)(一)(病)(返)(贫)(穷)(,但)(对)(于)(家)(庭)(而)(言)(,经)(济)(支)(柱)(离)(世)(带)(来)(的)(损)(失)(更)(大)(,不)(管)(是)(情)(感)(上)(还)(是)(经)(济)(上)(。
根)(据)(中)(国)(人)(寿)(保)(险)(行)(业)(经)(验)(生)(命)(表)(,男)(性)(和)(女)(性)(在)(65岁)(前)(身)(故)(的)(概)(率)(分)(别)(如)(下)(:
很)(大)(部)(分)(家)(庭)(,男)(性)(是)(经)(济)(主)(力)(,我)(们)(看)(一)(下)(男)(性)(早)(逝)(的)(大)(致)(概)(率)(:
吸)(烟)(与)(否)(,严)(重)(影)(响)(早)(逝)(概)(率)(,所)(以)(,可)(以)(理)(解)(香)(港)(的)(定)(期)(寿)(险)(,对)(于)(吸)(烟)(体)(直)(接)(加)(费)(100%。
早)(逝)(带)(来)(的)(经)(济)(损)(失)(,由)(寿)(险)(去)(转)(移)(。
02
大)(病)(的)(风)(险)(
很)(多)(客)(户)(保)(险)(意)(识)(的)(觉)(醒)(,缘)(于)(现)(在)(癌)(症)(的)(高)(发)(。香)(港)(有)(一)(则)(保)(险)(广)(告)(说)(:每)(20分)(钟)(就)(有)(一)(位)(香)(港)(人)(确)(诊)(为)(癌)(症)(。根)(据)(香)(港)(癌)(症)(资)(料)(统)(计)(中)(心)(数)(据)(,2011年)(香)(港)(有)(26998人)(罹)(患)(癌)(症)(,除)(以)(一)(年)(365日)(525600分)(钟)(,可)(见)(数)(字)(不)(虚)(。
大)(陆)(这)(边)(的)(情)(况)(怎)(样)(呢)(?中)(国)(肿)(瘤)(登)(记)(中)(心)(发)(布)(的)(《2012中)(国)(肿)(瘤)(登)(记)(年)(报)(》中)(显)(示)(,每)(1分)(钟)(就)(有)(6人)(确)(诊)(为)(癌)(症)(。
随)(着)(年)(龄)(的)(增)(长)(,尤)(其)(是)(过)(了)(40岁)(后)(,癌)(症)(发)(病)(率)(呈)(指)(数)(型)(增)(长)(。这)(是)(2013年)(中)(国)(《肿)(瘤)(年)(报)(》的)(统)(计)(数)(据)(:
我)(们)(看)(一)(下)(不)(同)(年)(龄)(男)(女)(罹)(患)(/死)(于)(包)(括)(恶)(性)(肿)(瘤)(、心)(梗)(、脑)(中)(风)(、器)(官)(移)(植)(、尿)(毒)(症)(等)(在)(内)(的)(25种)(重)(疾)(的)(概)(率)(:
△点)(击)(图)(片)(放)(大)(
大)(病)(带)(来)(的)(经)(济)(损)(失)(,由)(重)(疾)(险)(、医)(疗)(险)(去)(转)(移)(。
03
残)(疾)(的)(风)(险)(
生)(、老)(、病)(、死)(、残)(,残)(疾)(带)(来)(的)(损)(失)(也)(是)(需)(要)(转)(移)(的)(,对)(应)(的)(险)(种)(是)(意)(外)(险)(。开)(篇)(提)(到)(的)(案)(例)(,就)(是)(属)(于)(意)(外)(险)(的)(保)(障)(范)(畴)(。
世)(卫)(组)(织)(公)(布)(了)(2008年)(意)(外)(伤)(害)(致)(死)(的)(九)(大)(原)(因)(:
据)(统)(计)(,交)(通)(事)(故)(一)(直)(是)(我)(国)(儿)(童)(和)(青)(少)(年)(人)(口)(的)(主)(要)(死)(因)(之)(一)(。虽)(然)(我)(国)(机)(动)(车)(只)(占)(世)(界)(总)(量)(的)(1.6%,但)(车)(祸)(死)(亡)(却)(占)(全)(世)(界)(车)(祸)(死)(亡)(的)(14.3%。当)(然)(,发)(生)(交)(通)(事)(故)(最)(大)(的)(概)(率)(不)(是)(致)(死)(,而)(是)(伤)(残)(,看)(一)(下)(香)(港)(的)(统)(计)(数)(据)(:
综)(上)(,从)(险)(种)(上)(说)(,一)(个)(家)(庭)(的)(经)(济)(支)(柱)(至)(少)(要)(有)(寿)(险)(、重)(疾)(险)(、意)(外)(险)(,以)(及)(合)(适)(的)(医)(疗)(险)(。
险)(种)(定)(好)(,接)(下)(来)(就)(是)(各)(险)(种)(的)(保)(额)(了)(。
寿)(险)(,说)(白)(了)(是)(替)(被)(保)(险)(人)(尽)(ta对)(家)(人)(未)(尽)(的)(经)(济)(义)(务)(。如)(果)(希)(望)(通)(过)(寿)(险)(转)(移)(经)(济)(支)(柱)(身)(故)(带)(来)(的)(经)(济)(损)(失)(,保)(额)(要)(覆)(盖)(四)(个)(部)(分)(:
1.家)(庭)(债)(务)(,包)(括)(房)(贷)(车)(贷)(等)(;
2.孩)(子)(的)(抚)(养)(费)(,到)(ta经)(济)(独)(立)(,基)(本)(是)(22岁)(左)(右)(本)(科)(毕)(业)(;
3.老)(人)(的)(赡)(养)(费)(,按)(人)(口)(平)(均)(预)(期)(寿)(命)(算)(
4.家)(庭)(未)(来)(10年)(衣)(食)(住)(行)(的)(基)(本)(开)(销)(
这)(个)(数)(额)(很)(多)(人)(没)(有)(算)(过)(,算)(算)(会)(吓)(一)(跳)(。这)(是)(我)(们)(对)(家)(人)(的)(“经)(济)(债)(”,甜)(蜜)(的)(负)(担)(。
重)(疾)(带)(来)(的)(损)(失)(,有)(两)(部)(分)(:
所)(以)(,重)(疾)(险)(的)(保)(额)(,要)(考)(虑)(两)(部)(分)(:
1.医)(保)(外)(的)(医)(疗)(费)(、营)(养)(费)(,至)(少)(30万)(起)(;
2.收)(入)(补)(偿)(,建)(议)(3至)(5年)(的)(年)(收)(入)(,使)(得)(被)(保)(险)(人)(万)(一)(身)(患)(重)(疾)(,家)(庭)(经)(济)(生)(活)(大)(致)(还)(能)(保)(持)(原)(来)(水)(准)(继)(续)(下)(去)(。
意)(外)(险)(的)(保)(额)(基)(本)(和)(寿)(险)(持)(平)(,因)(为)(残)(疾)(不)(仅)(意)(味)(着)(收)(入)(的)(中)(断)(,还)(包)(括)(长)(期)(的)(康)(复)(和)(护)(理)(费)(用)(,带)(来)(的)(财)(务)(损)(失)(甚)(至)(比)(身)(故)(带)(来)(的)(损)(失)(更)(严)(重)(。残)(疾)(是)(以)(伤)(残)(等)(级)(按)(比)(例)(赔)(付)(的)(,开)(篇)(的)(案)(例)(,如)(果)(当)(事)(人)(的)(意)(外)(伤)(残)(保)(额)(是)(100万)(,一)(侧)(手)(腕)(截)(肢)(,属)(于)(8级)(伤)(残)(,赔)(保)(额)(的)(30%,也)(才)(赔)(付)(30万)(。保)(额)(低)(的)(话)(,理)(赔)(金)(就)(更)(不)(顶)(事)(儿)(了)(。
说)(了)(这)(么)(多)(,保)(险)(也)(只)(是)(转)(移)(风)(险)(带)(来)(的)(经)(济)(损)(失)(,并)(不)(能)(减)(少)(风)(险)(本)(身)(。想)(要)(降)(低)(风)(险)(,自)(己)(能)(做)(的)(无)(非)(是)(饮)(食)(有)(度)(、睡)(卧)(有)(常)(、经)(常)(锻)(炼)(,小)(心)(开)(得)(万)(年)(船)(,剩)(下)(的)(只)(能)(交)(给)(老)(天)(了)(。
部)(分)(数)(据)(来)(源)(于)(聂)(方)(义)(专)(著)(《人)(生)(宜)(保)(》一)(书)(。
童)(博)(士)(:中)(山)(大)(学)(博)(士)(,国)(内)(知)(名)(保)(险)(经)(纪)(公)(司)(高)(级)(合)(伙)(人)(,专)(注)(于)(为)(城)(市)(中)(高)(端)(客)(户)(提)(供)(家)(庭)(保)(障)(方)(案)(。团)(队)(成)(员)(多)(毕)(业)(于)(南)(京)(大)(学)(、中)(山)(大)(学)(、浙)(江)(大)(学)(等)(一)(流)(高)(校)(,博)(士)(2名)(、硕)(士)(6名)(,拥)(有)(法)(学)(、医)(学)(、会)(计)(学)(等)(背)(景)(。我)(们)(不)(代)(表)(任)(何)(一)(家)(保)(险)(公)(司)(,我)(们)(只)(忠)(诚)(于)(客)(户)(利)(益)(和)(职)(业)(操)(守)(。
返)(回)(搜)(狐)(,查)(看)(更)(多)(责)(任)(编)(辑)(:
声)(明)(:该)(文)(观)(点)(仅)(代)(表)(作)(者)(本)(人)(,搜)(狐)(号)(系)(信)(息)(发)(布)(平)(台)(,搜)(狐)(仅)(提)(供)(信)(息)(存)(储)(空)(间)(服)(务)(。
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