目录

第一章

谋定而后动：整体规划

第一节　比性价比更重要的是规划 ·····································2

第二节　买保险如何挑公司 ··············································7

第三节　不同险种如何选产品 ··········································16

第二章

寿险：备份一个自己

第一节　身故是最大的人身风险 ·······································20

第二节　定期寿险：不受待见，但很必要 ···························23

第三节　挑选定期寿险看3点 ··········································26

买对保险

写给忙碌者的保险入门书

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第三章

重疾险：重大疾病后的收入补偿

第一节　算笔账，重疾险其实很划算 ·································30

第二节　重疾险不是为了有钱看病 ····································33

第三节　有了医疗险，是否还需要重疾险 ···························36

第四节　拆解主流重疾险的“套路” ·································43

第五节　多次赔付的重疾险是否必要 ·································53

第六节　是否要选含身故保障的重疾险 ······························63

第四章

医疗险：解决“看病贵”“看病难”

第一节　医保内的药，为何医保报不了 ······························68

第二节　相比普通医疗险，中端医疗险的优势 ·····················73

第三节　高端医疗险能提供的医疗服务 ······························84

第四节　用最小成本实现医疗自由 ····································90

第五章

意外险：不怕一万就怕万一

第一节　交通意外险有局限 ·············································98

第二节　怎么买意外险 ················································104

目　录

XIX

第六章

年金险：终身收入保障

第一节　养老逻辑正在发生巨变 ·····································108

第二节　过去200年的“年龄通胀” ·······························112

第三节　晚年生活质量由收入决定，而非资产 ···················116

第四节　一个人有钱≠值钱 ···········································119

第五节　“养老自由”需要多少钱 ··································122

第六节　基金不能取代养老年金险 ··································123

第七节　力有余，要给父母买养老年金 ····························131

第七章

增额寿险：对抗利率下行

第一节　负利率时代我们该怎么办 ··································134

第二节　存款降息，有什么深远影响 ·······························138

第三节　普通人更需要储蓄型保险 ··································142

第八章

挑保险的三个维度：公司、产品、人

第一节　解读国家608亿元接管安邦保险 ·························148

第二节　“小”保险公司其实并不小 ·······························151

买对保险

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第三节　是否值得为保险公司品牌溢价买单 ······················161

第四节　从两个理赔案看保险公司服务 ····························165

第五节　保险代理人和经纪人的区别 ·······························169

第六节　买保险怕踩坑，请牢记这两问 ····························172

第九章

健康核保：保险不是想买就买

第一节　健康告知的原则 ·············································182

第二节　一些常见异常的核保结果 ··································186

第三节　医保卡外借是否影响买保险 ·······························188

第四节　带病投保熬过两年，出险就能赔吗 ······················194

第五节　投保后，如何补充告知体况 ·······························199

第十章

出险理赔的注意事项

第一节　掌握这几点，避免理赔纠纷 ·······························206

第二节　合同里几个重要的时间节点 ·······························209

第三节　投保后要做的5件事 ········································215

第四节　病历会影响核保和理赔 ·····································218

第五节　和投保时的保险顾问保持联系 ····························222