{"id":362673,"date":"2023-01-05T10:05:50","date_gmt":"2023-01-05T02:05:50","guid":{"rendered":"https:\/\/beta2.law.asia\/?p=362673"},"modified":"2023-01-05T10:05:50","modified_gmt":"2023-01-05T02:05:50","slug":"insurance-policy-practical-issues","status":"publish","type":"post","link":"https:\/\/beta2.law.asia\/zh-hans\/insurance-policy-practical-issues\/","title":{"rendered":"\u4fdd\u5355\u8d28\u62bc\u82e5\u5e72\u5b9e\u52a1\u95ee\u9898\u63a2\u8ba8"},"content":{"rendered":"<p style=\"text-align: justify;\"><span class=\"custom-dropcap-red vantage-red\">\u957f<\/span>\u671f\u4eba\u8eab\u4fdd\u9669\u5408\u540c\u56e0\u5177\u6709\u73b0\u91d1\u4ef7\u503c\u800c\u5177\u5907\u4e86\u8d28\u62bc\u878d\u8d44\u7684\u53ef\u80fd\u6027\uff0c\u76ee\u524d\u4e2d\u56fd\u7684\u4fdd\u5355\u8d28\u62bc\u4e1a\u52a1\u4e3b\u8981\u662f\u901a\u8fc7\u4fdd\u9669\u516c\u53f8\u6216\u8005\u94f6\u4fdd\u5408\u4f5c\u65b9\u5f0f\u5b8c\u6210\u4e14\u5df2\u521d\u5177\u89c4\u6a21\uff0c\u4f46\u5173\u4e8e\u4fdd\u5355\u8d28\u62bc\u7684\u89c4\u5219\u5374\u53ea\u662f\u6563\u89c1\u4e8e\u6709\u9650\u7684\u6cd5\u5f8b\u548c\u76d1\u7ba1\u89c4\u5b9a\u4e4b\u4e2d\uff0c\u672c\u6587\u5c06\u5bf9\u4fdd\u5355\u8d28\u62bc\u7684\u82e5\u5e72\u5b9e\u52a1\u95ee\u9898\u8fdb\u884c\u5206\u6790\uff0c\u4ee5\u671f\u5bf9\u91d1\u878d\u673a\u6784\u6709\u6548\u8bbe\u7acb\u4fdd\u5355\u8d28\u6743\u3001\u5b9e\u73b0\u8d28\u6743\u6709\u6240\u52a9\u76ca\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"vantage-red\"><strong>\u8d22\u9669\u4fdd\u5355\u7684\u8d28\u62bc\u53ef\u884c\u6027<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">\u4f20\u7edf\u7684\u4fdd\u5355\u8d28\u62bc\u4ec5\u9650\u4e8e\u4eba\u8eab\u4fdd\u9669\u4fdd\u5355\uff0c\u5e76\u4e14\u662f\u53ef\u4ee5\u4ea7\u751f\u73b0\u91d1\u4ef7\u503c\u7684\u4eba\u8eab\u4fdd\u9669\u4fdd\u5355\uff0c\u4f46\u8fd1\u5e74\u6765\u5df2\u7ecf\u51fa\u73b0\u4e86\u4e00\u4e9b\u5173\u4e8e\u8d22\u4ea7\u4fdd\u9669\u4fdd\u5355\u8d28\u62bc\u7684\u5b9e\u8df5\uff0c\u4f8b\u5982\u591a\u5730\u63a8\u884c\u519c\u4e1a\u4fdd\u9669\u4fdd\u5355\u8d28\u62bc\u3002\u4fdd\u5355\u8d28\u62bc\u7684\u5ba2\u4f53\u662f\u73b0\u91d1\u4ef7\u503c\u8fd4\u8fd8\u8bf7\u6c42\u6743\uff0c\u4f46\u8d22\u4ea7\u4fdd\u9669\u5f80\u5f80\u90fd\u662f\u4e00\u5e74\u671f\u7684\u77ed\u671f\u4fdd\u9669\uff0c\u4e0d\u5b58\u5728\u73b0\u91d1\u4ef7\u503c\uff0c\u4e5f\u4e0d\u5b58\u5728\u6295\u4fdd\u4eba\u7684\u73b0\u91d1\u4ef7\u503c\u8fd4\u8fd8\u8bf7\u6c42\u6743\u3002\u5982\u679c\u5c06\u8d22\u4ea7\u4fdd\u9669\u4fdd\u5355\u8d28\u62bc\u7684\u5ba2\u4f53\u7406\u89e3\u4e3a\u4fdd\u9669\u4e8b\u6545\u53d1\u751f\u65f6\u7684\u4fdd\u9669\u91d1\u8bf7\u6c42\u6743\uff0c\u5219\u6b64\u79cd\u8bf7\u6c42\u6743\u53c8\u56e0\u4e3a\u5177\u6709\u5f88\u5927\u7684\u4e0d\u786e\u5b9a\u6027\u800c\u65e0\u6cd5\u6210\u4e3a\u8d28\u62bc\u6807\u7684\u3002<\/p>\n<p style=\"text-align: justify;\">\u57fa\u4e8e\u4e0a\u8ff0\u5206\u6790\uff0c\u7b14\u8005\u7406\u89e3\uff0c\u8d22\u4ea7\u4fdd\u9669\u4fdd\u5355\u8d28\u62bc\u539f\u5219\u4e0a\u4e0d\u5177\u6709\u53ef\u884c\u6027\uff0c\u4f46\u4e0d\u6392\u9664\u5c11\u6570\u80fd\u4ea7\u751f\u73b0\u91d1\u4ef7\u503c\u7684\u8d22\u4ea7\u4fdd\u9669\u4fdd\u5355\u7528\u4e8e\u8d28\u62bc\u7684\u53ef\u80fd\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"vantage-red\"><strong>\u4fdd\u5355\u8d28\u62bc\u7684\u516c\u793a\u65b9\u5f0f<\/strong><\/span><\/h2>\n<figure id=\"attachment_335945\" aria-describedby=\"caption-attachment-335945\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-335946\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/08\/Yao-Xiaomin-Lantai-Partners.jpg\" alt=\"Yao Xiaomin, Lantai Partners\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-335945\" class=\"wp-caption-text\"><strong>\u59da\u6653\u654f<\/strong><br \/>\u5408\u4f19\u4eba<br \/>\u5170\u53f0\u5f8b\u5e08\u4e8b\u52a1\u6240<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">\u5bf9\u4e8e\u4fdd\u5355\u8d28\u62bc\u5e94\u5f53\u91c7\u7528\u4f55\u79cd\u516c\u793a\u65b9\u6cd5\uff0c\u300a\u6c11\u6cd5\u5178\u300b\u6ca1\u6709\u7ed9\u51fa\u56de\u5e94\uff0c\u5b9e\u8df5\u4e2d\u5e76\u6ca1\u6709\u5b9a\u8bba\uff0c\u4ece\u7b14\u8005\u68c0\u7d22\u5230\u7684\u6709\u9650\u7684\u53f8\u6cd5\u6848\u4f8b\u6765\u770b\uff0c\u90e8\u5206\u6cd5\u9662\u4f3c\u4e4e\u503e\u5411\u4e8e\u8ba4\u53ef\u5e94\u4ee5\u4fdd\u5355\u4f5c\u4e3a\u6743\u5229\u51ed\u8bc1\u901a\u8fc7\u4ea4\u4ed8\u8bbe\u5b9a\u8d28\u62bc\uff0c\u90e8\u5206\u6cd5\u9662\u5219\u5bf9\u6b64\u8bed\u7109\u4e0d\u8be6\uff0c\u76f8\u5173\u6848\u4f8b\u53c2\u89c1(2014)\u7ca4\u9ad8\u6cd5\u6c11\u4e8c\u7533\u5b57\u7b2c419\u53f7\u3001(2018)\u664b05\u6267\u5f0264\u53f7\u3001(2018)\u9c8112\u6c11\u521d24\u53f7\u3001\u7b49\u3002<\/p>\n<p 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justify;\">\u7b14\u8005\u7406\u89e3\uff0c\u4fdd\u5355\u8d28\u62bc\u5e94\u5f53\u91c7\u7528\u4f55\u79cd\u516c\u793a\u65b9\u6cd5\u53d6\u51b3\u4e8e\u4fdd\u5355\u662f\u5426\u4e3a\u6743\u5229\u51ed\u8bc1\uff0c\u4fdd\u5355\u7a76\u5176\u6027\u8d28\uff0c\u5e94\u5c5e\u4e8e\u4fdd\u9669\u5408\u540c\u7684\u7ec4\u6210\u90e8\u5206\uff0c\u662f\u8bc1\u660e\u6295\u4fdd\u4eba\u548c\u4fdd\u9669\u516c\u53f8\u4e4b\u95f4\u6743\u5229\u4e49\u52a1\u5173\u7cfb\u7684\u4e66\u9762\u51ed\u8bc1\uff0c\u4f46\u5e76\u975e\u6743\u5229\u51ed\u8bc1\uff0c\u56e0\u6b64\u4fdd\u5355\u8d28\u62bc\u5e94\u5f53\u901a\u8fc7\u767b\u8bb0\u7684\u65b9\u5f0f\u5b8c\u6210\u516c\u793a\uff0c\u4e14\u5e94\u901a\u8fc7\u516c\u5f00\u53ef\u67e5\u8be2\u7684\u7cfb\u7edf\u8fdb\u884c\u767b\u8bb0\uff0c\u4ee5\u5f80\u5b9e\u8df5\u4e2d\u91c7\u7528\u4ea4\u4ed8\u4fdd\u5355\u5e76\u5728\u4fdd\u9669\u516c\u53f8\u5185\u90e8\u7cfb\u7edf\u8fdb\u884c\u8d28\u62bc\u767b\u8bb0\u7684\u505a\u6cd5\u66f4\u591a\u662f\u5728\u6cd5\u5f8b\u89c4\u5b9a\u4e0d\u660e\u786e\u4e0b\u4fbf\u5b9c\u884c\u4e8b\u7684\u4e00\u79cd\u6298\u8877\u529e\u6cd5\u3002\u300a\u4eba\u8eab\u4fdd\u9669\u516c\u53f8\u4fdd\u5355\u8d28\u62bc\u8d37\u6b3e\u7ba1\u7406\u529e\u6cd5\uff08\u5f81\u6c42\u610f\u89c1\u7a3f\uff09\u300b\u63d0\u51fa\u5728\u4fdd\u5355\u8d28\u62bc\u767b\u8bb0\u5e73\u53f0\u529e\u7406\u767b\u8bb0\u662f\u4e00\u4e2a\u53ef\u53d6\u7684\u65b9\u6848\uff0c\u4f46\u662f\u767b\u8bb0\u5e73\u53f0\u5e94\u5f53\u7edf\u4e00\u4e14\u552f\u4e00\uff0c\u4ee5\u51cf\u5c11\u67e5\u8be2\u7684\u8d1f\u62c5\uff0c\u800c\u8fd9\u53ef\u80fd\u4e5f\u662f\u300a\u4eba\u8eab\u4fdd\u9669\u516c\u53f8\u4fdd\u5355\u8d28\u62bc\u8d37\u6b3e\u7ba1\u7406\u529e\u6cd5\uff08\u5f81\u6c42\u610f\u89c1\u7a3f\uff09\u300b\u5236\u5b9a\u8fc7\u7a0b\u4e2d\u76d1\u7ba1\u90e8\u95e8\u9700\u8981\u8003\u8651\u7684\u5730\u65b9\u3002<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"vantage-red\"><strong>\u672a\u5f81\u5f97\u88ab\u4fdd\u9669\u4eba\u540c\u610f\u7684\u6548\u529b<\/strong><\/span><\/h2>\n<figure id=\"attachment_362658\" aria-describedby=\"caption-attachment-362658\" style=\"width: 200px\" class=\"wp-caption alignright\"><img decoding=\"async\" loading=\"lazy\" class=\"size-full wp-image-362659\" src=\"https:\/\/beta2.law.asia\/wp-content\/uploads\/2022\/12\/Cai-Mi-Lantai-Partners.jpg\" alt=\"Cai Mi, Lantai Partners\" width=\"200\" height=\"250\" \/><figcaption id=\"caption-attachment-362658\" class=\"wp-caption-text\"><strong>\u8521\u654f<\/strong><br \/>\u5f8b\u5e08<br \/>\u5170\u53f0\u5f8b\u5e08\u4e8b\u52a1\u6240<\/figcaption><\/figure>\n<p style=\"text-align: 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