保險杠桿是什么意思
保(bao)險杠(gang)桿(gan)指的是保(bao)單保(bao)費與保(bao)額之比。
保(bao)(bao)(bao)額(e)/保(bao)(bao)(bao)費(fei)(fei)，解開得(de)到(dao)保(bao)(bao)(bao)單(dan)的(de)(de)(de)杠桿(gan)(gan)倍數(shu)，通過(guo)衡量杠桿(gan)(gan)倍數(shu)與實際發(fa)生率的(de)(de)(de)高低，可(ke)以幫(bang)助消費(fei)(fei)者更好的(de)(de)(de)購買保(bao)(bao)(bao)險(xian)。也就是說，消費(fei)(fei)者在購買保(bao)(bao)(bao)險(xian)時，可(ke)以通過(guo)了解保(bao)(bao)(bao)單(dan)的(de)(de)(de)杠桿(gan)(gan)率，來衡量該保(bao)(bao)(bao)單(dan)是否值得(de)購買，因(yin)此(ci)，保(bao)(bao)(bao)險(xian)杠桿(gan)(gan)在保(bao)(bao)(bao)單(dan)中是非常重要的(de)(de)(de)一個部分。
現實生(sheng)活中，雖說大部分(fen)消費(fei)者都比較注重保(bao)單的(de)(de)(de)杠桿(gan)，但是(shi)對于(yu)具(ju)體的(de)(de)(de)衡(heng)量方式還是(shi)不太了(le)解(jie)的(de)(de)(de)。而且，也不能完全(quan)通(tong)過(guo)保(bao)單的(de)(de)(de)杠桿(gan)率來判斷保(bao)單的(de)(de)(de)好壞。
人必買的三種保險有哪些(xie)?
人必(bi)買的三種保(bao)險(xian)有意外險(xian)、醫療險(xian)、重(zhong)疾(ji)險(xian)：
1.意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)：明天(tian)(tian)和(he)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)不知道哪個先(xian)來，人一(yi)生(sheng)會發生(sheng)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)的(de)概(gai)率是(shi)(shi)比(bi)較(jiao)高的(de)，而且意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)完全(quan)沒有(you)辦法預(yu)測，一(yi)旦(dan)發生(sheng)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)，嚴重的(de)可能還會對家(jia)庭經濟造成巨大(da)的(de)影響，產生(sheng)很大(da)的(de)經濟損失。因(yin)此，購買(mai)一(yi)份意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)就還是(shi)(shi)很有(you)必要(yao)的(de)。意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)主(zhu)要(yao)可以分為一(yi)年(nian)(nian)期(qi)(qi)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)和(he)長期(qi)(qi)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)，其中，一(yi)年(nian)(nian)期(qi)(qi)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)是(shi)(shi)交(jiao)一(yi)年(nian)(nian)保一(yi)年(nian)(nian);而長期(qi)(qi)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)則需(xu)要(yao)在繳(jiao)費期(qi)(qi)間按(an)期(qi)(qi)足額繳(jiao)納(na)保費，因(yin)此保費相對來說(shuo)會比(bi)較(jiao)高。除此之外(wai)(wai)(wai)(wai)(wai)(wai)，意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)也有(you)短期(qi)(qi)的(de)，比(bi)如購買(mai)機票時(shi)附加(jia)選擇的(de)意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)，保障期(qi)(qi)限往往只有(you)一(yi)天(tian)(tian)，甚至只有(you)幾個小時(shi)。值得一(yi)提的(de)是(shi)(shi)，意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)險(xian)(xian)(xian)(xian)大(da)多無(wu)需(xu)健康告知，即便需(xu)要(yao)健康告知也比(bi)較(jiao)寬松，主(zhu)要(yao)可以保障的(de)范圍則包括意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)身故或傷殘、意(yi)(yi)(yi)(yi)(yi)(yi)外(wai)(wai)(wai)(wai)(wai)(wai)醫療;
2.醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)：醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)主要(yao)可(ke)以(yi)對(dui)(dui)被保(bao)險(xian)(xian)(xian)(xian)人因(yin)為疾病或者意(yi)外而產生(sheng)的(de)醫(yi)(yi)療(liao)(liao)費用進行報銷，可(ke)以(yi)當做基(ji)本醫(yi)(yi)保(bao)的(de)補(bu)充投(tou)保(bao)，完善(shan)保(bao)障。醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)主要(yao)包括小(xiao)額(e)(e)醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)、百萬醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)、高端醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)。其中，小(xiao)額(e)(e)醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)主要(yao)可(ke)以(yi)用于(yu)應對(dui)(dui)小(xiao)病風險(xian)(xian)(xian)(xian)、百萬醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)主要(yao)可(ke)以(yi)用于(yu)應對(dui)(dui)大病風險(xian)(xian)(xian)(xian)、高端醫(yi)(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)的(de)保(bao)障范圍相對(dui)(dui)來說較為廣泛，有的(de)甚(shen)至還可(ke)報銷生(sheng)育相關醫(yi)(yi)療(liao)(liao)費用;
3.重(zhong)疾險(xian)(xian)(xian)：主要可在被保(bao)險(xian)(xian)(xian)人罹(li)患惡性腫瘤、嚴重(zhong)腦出血后遺癥、嚴重(zhong)手足(zu)(zu)口(kou)病或其他保(bao)險(xian)(xian)(xian)合同約定重(zhong)疾大(da)(da)病且(qie)(qie)滿(man)足(zu)(zu)理賠(pei)(pei)(pei)條件時，直接(jie)賠(pei)(pei)(pei)付一筆保(bao)險(xian)(xian)(xian)金，主要可以用于(yu)應對大(da)(da)病風險(xian)(xian)(xian)。和醫療險(xian)(xian)(xian)不(bu)同的(de)是，重(zhong)疾險(xian)(xian)(xian)屬于(yu)定額(e)給(gei)付型保(bao)險(xian)(xian)(xian)，可以重(zhong)復(fu)理賠(pei)(pei)(pei);而醫療險(xian)(xian)(xian)則屬于(yu)報銷(xiao)(xiao)型保(bao)險(xian)(xian)(xian)，不(bu)可以重(zhong)復(fu)報銷(xiao)(xiao)，且(qie)(qie)還有免賠(pei)(pei)(pei)額(e)、報銷(xiao)(xiao)比例的(de)限(xian)制。
