商(shang)(shang)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)該不(bu)該買?商(shang)(shang)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)指由保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)分公司(si)經營,以營利為(wei)目的(de),簽定的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)模式,主要指投保(bao)(bao)(bao)(bao)(bao)者自(zi)愿和保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)簽定合同(tong),并且向保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)支付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei),被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人如發(fa)生了合同(tong)規定的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故,保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)對其承(cheng)擔賠(pei)償保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)責任。在購買商(shang)(shang)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)過程中,大家可根據自(zi)身(shen)的(de)實際情況,選(xuan)擇對應的(de)商(shang)(shang)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian),但建議所選(xuan)擇的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費(fei)用(yong),在家庭總收入的(de)10%-15%比較合適。以下(xia)就和小編一起來看看,商(shang)(shang)業(ye)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)都有(you)哪(na)些(xie)吧。
購買(mai)保險前,應(ying)確認(ren)自己(ji)的經濟水(shui)平,保費一般是取家庭(ting)年儲蓄或(huo)結余的10%-20%較為合適。
投(tou)保(bao)人在有(you)限的經濟能力下,為(wei)成人投(tou)保(bao)比為(wei)兒女投(tou)保(bao)更實(shi)際(ji),特(te)別是家(jia)庭的“經濟支柱”。
投保(bao)(bao)人身保(bao)(bao)險可以在保(bao)(bao)險項目上搞個組合,如購(gou)買一個至二(er)個主險附加意(yi)外傷害、重大疾病保(bao)(bao)險,使人得(de)到全(quan)面保(bao)(bao)障。
投保(bao)人(ren)在(zai)投保(bao)之(zhi)前必(bi)須仔(zi)細研(yan)究所投保(bao)險條款中的保(bao)險責任(ren)和責任(ren)免除這兩大部分。
投保人在購(gou)買(mai)保險時(shi)一定要拿(na)好(hao)主(zhu)意,對比三家,切不可盲目購(gou)買(mai)。
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