投保保单数狂增350%！疫情下，这类保险火了！为啥大家抢着入手？
<div class="wx_rich_media_content" id="jsWxContainer"><section style='line-height: 1.75em;'><span class="wxart_image" wx-style='display:inline-block;font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;color: rgba(0, 0, 0, 0.298);font-size: 18px;width: 677px;box-sizing: border-box !important;overflow-wrap: break-word !important;visibility: visible !important;'></span></section><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p><section data-tools="135编辑器" data-id="4503" data-color="#c6c6c7" style='max-width: 100%; letter-spacing: 0.544px; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; cursor: move; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; outline: none 0px !important;'><section data-tools="135编辑器" data-id="4503" data-color="#c6c6c7" style='max-width: 100%; box-sizing: border-box; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; cursor: move; outline: none 0px !important;'><section style='padding: 40px; max-width: 100%; box-sizing: border-box; max-inline-size: 100%; background: rgb(248, 248, 248); outline: none 0px !important;'><section style='max-width: 100%; max-inline-size: 100%; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;'><section data-role="list" style='max-width: 100%; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; box-sizing: border-box !important; outline: none 0px !important;'><section style='max-width: 100%; max-inline-size: 100%; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;'><span style='font-size: 18px;'>新冠肺炎疫情的暴发让老百姓对保险的关注度大幅提升，尤其是与每个人息息相关的健康险，近一段时间的咨询量和销售量都出现了明显上涨。</span></section></section></section></section></section></section><p style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></p><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;'>疫情激发保险意识 </span></strong></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;'>健康险需求快速增长</span></strong></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px; font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;'><br></span></strong></span></section><p>MjM5NzQ5MTkyMA==||2657017422||wxv_1319276232403468290</p><p><span style='color: rgb(136, 136, 136); font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px;'>△央视财经《正点财经》栏目视频</span></p><p style='text-align: center;'><br></p><section style='line-height: 1.75em;'><span style='font-size: 18px;'>保险代理人于鹏告诉记者，疫情发生以来，由于没办法和客户面谈，不少险种的销量都有所下降，但健康险的关注度却出现了快速上升，</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>咨询量大概有</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>20%</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>以上的递增。</span></section><section style='line-height: 1.75em;'><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'><br></span></section><section style='line-height: 1.75em;'><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>不仅是咨询量上升，健康险的销量也出现了明显增长。</span></section><section style='line-height: 1.75em;'><br></section><section style='line-height: 1.75em;'><span class="wxart_image" wx-style='display:inline-block;text-align: center;white-space: normal;'></span></section><section style='line-height: 1.75em;'><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>人保健康总精算师温家振也表示，</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>健康险方面保费收入同比出现了较大增长，增幅达到</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>30%</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>以上。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'><br></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>平安健康险的数据显示，今年一季度消费者咨询量同比提升150%，环比去年四季度提升了87%。在线投保保单数环比增长了将近350%。而银保监会的数据也显示，2020年一季度，全行业健康险业务同比增长21.5%。</span></section><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p><section data-role="paragraph" style='max-width: 100%; letter-spacing: 0.544px; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; outline: none 0px !important;'><section data-tools="135编辑器" data-id="7" style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;' data-color="#c6c6c7"><section style='margin: 10px auto; padding-left: 10px; max-width: 100%; box-sizing: border-box; border-left: 5px solid rgb(198, 198, 199);'><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><p style='text-align: justify; max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><strong><span style='font-size: 18px;'>北京工商大学保险研究中心主任 王绪瑾：</span></strong><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>每一次大的灾害事故后，必然带来投保率的大幅上升，因为人们要有效地转移风险。</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>随着国民保险意识提高，营销手段逐步从线下到网上，健康险将会增长更快。</span><span style='color: rgb(0, 0, 0);font-family: 微软雅黑, Microsoft YaHei, Arial, sans-serif;font-size: 18px;letter-spacing: 0.544px;text-align: left;caret-color: red;'> </span></p></section></section></section><section style='line-height: 1.75em;text-align: center;'><br></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'>费率可调</span></strong></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'> 长期医疗险有望尽早推出</span></strong></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><p>MjM5NzQ5MTkyMA==||2657017422||wxv_1319276232403468290</p><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span><span style='color: rgb(136, 136, 136); font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px;'>△央视财经《正点财经》栏目视频</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>很多投保过健康险的消费者都有一个感受，就是市场上销售的医疗险大部分都是一年期的产品，一年之后需要重新投保，如果想获得长期的健康保障，这样的产品在市场上很难找到。而近期出台的政策，有望破解这一难题。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>记者从多家保险公司了解到，目前市场销售的医疗保险90%以上都是以1年期为主的短期医疗险，消费者很难获得长期保障。</span></section><p style='max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><br></p><section data-role="paragraph" style='max-width: 100%; letter-spacing: 0.544px; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; box-sizing: border-box !important; outline: none 0px !important;'><section data-tools="135编辑器" data-id="7" style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;' data-color="#c6c6c7"><section style='margin: 10px auto; padding-left: 10px; max-width: 100%; box-sizing: border-box; border-left: 5px solid rgb(198, 198, 199);'><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><p style='text-align: justify; max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><strong><span style='font-size: 18px;'>国研中心金融研究所保险研究室副主任 朱俊生：</span></strong><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>老百姓购买健康险有一个非常大的诉求就是保证续保，不能因为健康状况恶化，保险将来就不能买了。</span></p><p style='text-align: justify; max-width: 100%; min-height: 1em; box-sizing: border-box !important;'><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;letter-spacing: 0.544px;'>但是对保险</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;letter-spacing: 0.544px;'>公司来说，</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;letter-spacing: 0.544px;'>如果不允许费率调整，就不敢开发长期保证续保的医疗保险，因为未来随着时间的推移、技术的变化、人口老龄化，未来的费用是不可预测的。</span></p></section></section></section><section style='line-height: 1.75em;'><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>针对这样的业内难题，近日银保监会出台了《关于长期医疗保险产品费率调整有关问题的通知》，明确长期医疗险的费率可以调整，这也为长期医疗险的推出提供了政策支持。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='line-height: 1.75em;'><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>不过，《通知》里对于费率调整有严格的限定，首次费率调整时间不早于产品上市销售之日起满3年，每次费率调整间隔不得短于1年。保险公司不得因单个被保险人身体状况的差异实行差别化费率调整政策。对此，多家保险公司都表示，尽管费率可调，但受政策和同业竞争压力等因素影响，保险公司在调整价格方面将会非常慎重。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span></section><section style='line-height: 1.75em;'><br></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>多家保险公司也表示，目前正在进行长期医疗险的研发，会尽早推出相关产品。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'>如何选购健康险？</span></strong></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'><br></span></strong></span></section><p>MjM5NzQ5MTkyMA==||2657017422||wxv_1319276232403468290</p><section style='line-height: 1.75em;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'></span></strong></span><span style='color: rgb(136, 136, 136); font-family: -apple-system-font, system-ui, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px;'>△央视财经《正点财经》栏目视频</span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'><br></span></strong></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>健康险，主要包括医疗保险、疾病保险、收入保障保险和护理保险四大类型，目前市场上销售的产品里以医疗保险和疾病保险为主，那么，消费者在选购的时候应该注意哪些问题呢？</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>专家表示，消费者在选购健康险的时候要明确以下几点</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>。</span><span style='text-align: center;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'></span></section><section style='line-height: 1.75em;'><br></section><section data-tools="135编辑器" data-id="4503" data-color="#c6c6c7" style='max-width: 100%; letter-spacing: 0.544px; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; cursor: move; box-sizing: border-box !important; outline: none 0px !important;'><section data-tools="135编辑器" data-id="4503" data-color="#c6c6c7" style='max-width: 100%; box-sizing: border-box; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; cursor: move; outline: none 0px !important;'><section style='padding: 40px; max-width: 100%; box-sizing: border-box; max-inline-size: 100%; background: rgb(248, 248, 248); outline: none 0px !important;'><section style='max-width: 100%; max-inline-size: 100%; line-height: 1.75em; box-sizing: border-box !important; outline: none 0px !important;'><section data-role="list" style='max-width: 100%; max-inline-size: 100%; border-width: 0px; border-style: none; border-color: initial; z-index: 0; min-width: 90px; box-sizing: border-box !important; outline: none 0px !important;'><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><strong><span style='font-size: 18px;'>1、保什么？即明确自己的需求。</span></strong><span style='font-size: 18px;'></span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><span style='font-size: 18px;'>大家人寿总精算师王智勇表示，</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>医疗险是先治病后赔钱，就是先去医院治病，自行支付相关的医疗费用，回来再拿医疗单据到保险公司进行报销，是后给付的过程。</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>一般保障的是社保不报销的那部分费用，或者是社保目录以外的费用。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'></span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>疾病保险，是只要客户发生了合同约定疾病，保险公司就会赔合同约定的金额，先给钱，客户拿到钱后可以去支付医疗费用，它的局限性是只能赔合同所述疾病。</span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><strong><span style='font-size: 18px;'>2、为谁保？</span></strong><span style='font-size: 18px;'></span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><span style='font-size: 18px;'>专家建议，一般情况下，优先给家庭主要收入来源做保险，因为这个人一旦发生疾病，对整个家庭收入影响最大。</span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><strong><span style='font-size: 18px;'>3、保多长？即交费时间和保障期限。</span></strong><span style='font-size: 18px;'></span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><span style='font-size: 18px;'>大家人寿总精算师王智勇表示，</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>疾病保险在相同额度情况下，交费期越长，每次交费金额越小，对于客户当期财务压力越小。</span><span style='font-size: 18px;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'>从保障期限来看，经济实力允许的情况下，尽量保障期限长一些，因为随着年龄增长，<span style='letter-spacing: 0.544px;'>客户</span>的疾病和医疗风险越来越大，这样能避免到后面没有保障。</span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><br></section><p style='text-align: center;'><span class="wxart_image" wx-style='display:inline-block;'></span></p><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><section style='font-family: -apple-system-font, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; line-height: 1.75em;'><span style='font-size: 18px;'>此外，专家也提示，在购买健康险的时候还要关注几个条款，比如保险责任里，哪些情况是不赔的？免赔额是多少？特别重要的是，一定要如实告知身体健康情况，如果存在故意隐瞒，在理赔的时候有可能拿不到赔偿。</span></section></section></section></section></section></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'> </span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'>疫情影响上市险企股价</span></strong></span></section><section style='line-height: 1.75em;text-align: center;'><span style='background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);'><strong><span style='font-size: 18px;'><br></span></strong></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>保险行业也是受这次疫情影响比较大的行业，银保监会的数据显示，2020年一季度，全国保险业原保险保费收入1.67万亿，同比仅增长了2.3%，增幅同比下降了13.6个百分点。</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>其</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>中</span><span style='font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;font-size: 18px;'>，财产险增幅同比下降了7.7个百分点，人身险增幅同比下降了15.22个百分点。</span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'><br></span></section><section style='line-height: 1.75em;'><span style='font-size: 18px;'>业务的萎缩也影响到了上市保险公司的股价，来自万得的数据显示，从1月23日收盘至今，五大上市保险公司股价均出现不同程度下跌，其中跌幅最小的是新华保险，下跌6.42%，下跌幅度最大的是中国太保，下跌14.49%。</span><span style='text-align: center;font-family: mp-quote, -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;'></span></section><p style='text-align: center;'><br></p><section data-role="paragraph" style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'><section data-role="outer" label="Powered by 135editor.com" style='max-width: 100%; box-sizing: border-box !important;'><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="94173" data-color="#ac1d10" data-custom="#ac1d10" style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box !important;'><section data-role="outer" label="Powered by 135editor.com" style='max-width: 100%; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="94554" style='max-width: 100%; box-sizing: border-box !important;'><section data-width="100%" style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><article style='max-width: 100%; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="94554" style='max-width: 100%; box-sizing: border-box !important;'><section data-width="100%" style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section data-autoskip="1" style='max-width: 100%; box-sizing: border-box !important;'><article style='max-width: 100%; box-sizing: border-box !important;'><article style='max-width: 100%; box-sizing: border-box !important;'><article style='max-width: 100%; box-sizing: border-box !important;'><article style='max-width: 100%; box-sizing: border-box !important;'><section label="Powered by 135editor.com" data-role="outer" style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><section style='max-width: 100%; box-sizing: border-box !important;'><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'>来</strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'>源：</span></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'>央视财经（ID：</strong></span></strong></span></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'></strong><strong style='font-size: 16px; max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'>cctvyscj）</strong></span></strong></span></strong></section></section></section></article></article></article></article></section></section></section></section></section></article></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section></section><section data-role="paragraph" style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'><article style='max-width: 100%; letter-spacing: 0.544px; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="94554" style='max-width: 100%; box-sizing: border-box; letter-spacing: 0.544px;'><section data-width="100%" style='max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box;'><section style='max-width: 100%; box-sizing: border-box;'><section data-autoskip="1" style='max-width: 100%; box-sizing: border-box;'><article style='max-width: 100%; box-sizing: border-box; letter-spacing: 0.54px;'><article style='max-width: 100%; box-sizing: border-box;'><article style='max-width: 100%; box-sizing: border-box;'><article style='max-width: 100%; box-sizing: border-box;'><section label="Powered by 135editor.com" data-role="outer" style='max-width: 100%; box-sizing: border-box;'><section data-role="paragraph" style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(51, 51, 51); bottom: auto; clear: none; float: none; background-position: 0% 0%; background-repeat: repeat;'><section style='max-width: 100%; box-sizing: border-box; min-height: 1em; letter-spacing: 0.54px; line-height: normal;'><span style='max-width: 100%; font-size: 16px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; letter-spacing: normal; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; float: none; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; display: inline; background-position: 0% 0%; background-repeat: repeat;'>监制：哈学胜</strong></span></strong></span></strong></span></section><section style='max-width: 100%; min-height: 1em; letter-spacing: 0.544px; line-height: normal; box-sizing: border-box !important;'><strong style='max-width: 100%; box-sizing: border-box; font-size: 16px; letter-spacing: 0.544px; background-clip: border-box; background-size: auto; border-width: 0px; border-style: none; border-color: rgb(136, 136, 136); bottom: auto; clear: none; color: rgb(136, 136, 136); display: inline; background-position: 0% 0%; background-repeat: repeat;'><span style='max-width: 100%; letter-spacing: 0.54px; box-sizing: border-box !important;'>本文编辑：张艺菲</span></strong></section></section></section></article></article></article></article></section></section></section></section></section></article></section></div><p></p>
页:
[1]