商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)該(gai)不該(gai)買?商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)指(zhi)(zhi)由保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)分公(gong)(gong)司經營,以營利為目的(de)(de),簽定(ding)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同模式(shi),主(zhu)要指(zhi)(zhi)投(tou)保(bao)(bao)(bao)者自愿和保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司簽定(ding)合(he)同,并(bing)且(qie)向保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司支付保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費,被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人如發生了(le)合(he)同規定(ding)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)事(shi)故,保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)(gong)司對其承擔賠償保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)責(ze)任。在(zai)購買商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)過程中,大(da)家可根據自身的(de)(de)實(shi)際情(qing)況,選擇對應的(de)(de)商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian),但建議所選擇的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費用,在(zai)家庭總收入的(de)(de)10%-15%比較合(he)適。以下(xia)就(jiu)和小(xiao)編一(yi)起來(lai)看看,商(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)都(dou)有哪些吧。
購(gou)買保險前,應(ying)確認自己的(de)經濟水平,保費(fei)一般是取(qu)家庭年儲(chu)蓄或結余的(de)10%-20%較為合適。
投保(bao)人在(zai)有限的經濟(ji)能力下,為(wei)成人投保(bao)比(bi)為(wei)兒女投保(bao)更(geng)實際,特別是家庭的“經濟支柱”。
投保(bao)(bao)人身保(bao)(bao)險可以在保(bao)(bao)險項(xiang)目上搞(gao)個(ge)組合(he),如購(gou)買一個(ge)至二個(ge)主(zhu)險附(fu)加意外傷害、重(zhong)大疾病(bing)保(bao)(bao)險,使人得到全(quan)面保(bao)(bao)障。
投(tou)(tou)保(bao)人在投(tou)(tou)保(bao)之前必須仔細(xi)研究(jiu)所投(tou)(tou)保(bao)險條款中的保(bao)險責任和責任免(mian)除這兩大部分。
投(tou)保(bao)人在購(gou)買保(bao)險時一(yi)定(ding)要拿好主意,對(dui)比三家,切不可盲目(mu)購(gou)買。
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