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<div class=\"ewm-icon\">\r\n <img src=\"\/skin\/img\/ewm_icon.png\">\r\n <div class=\"ewm-box\">\r\n <div class=\"fr clr arrow-top\"><\/div>\r\n <img src=\"\/skin\/img\/weixin.jpg\" alt=\"學霸說保險微信公眾號\"\/>\r\n <\/div>\r\n <\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/div>\r\n <\/div>\r\n<\/header>\r\n<!--頭部end-->\r\n <div class=\"qs-content\">\r\n <div class=\"wd-box\">\r\n <div class=\"breadcrumbs-box\">\r\n <a href=\"https:\/\/www.blessingsandgraceforall.com\">首頁<\/a>\r\n <span>><\/span>\r\n <a href=\"https:\/\/www.blessingsandgraceforall.com\/question\/\">保險問答<\/a>\r\n <span>><\/span>\r\n <a href=\"\/question\/tag-.html\">友邦友如意星享版(2023)重大疾病保險(新品)<\/a>\r\n <span>><\/span>\r\n <strong>友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!<\/strong>\r\n <\/div>\r\n <div class=\"left-box\">\r\n <div class=\"info-box\">\r\n <h1>友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!<\/h1>\r\n <p>\r\n <span class=\"set\">提問:<img src=\"\/avatar\/aratar_1662.jpg\" width=\"30\"> 傍觀者<\/span>\r\n <span class=\"set\">時間:2023-10-14<\/span>\r\n <span class=\"set\">分類:<a href=\"\/question\/tag-.html\">友邦友如意星享版(2023)重大疾病保險(新品)<\/a><\/span>\r\n <\/p>\r\n <\/div>\r\n <section>\r\n <p class=\"b black\">優質回答<\/p>\r\n <div class=\"icon-box\">\r\n <img src=\"\/skin\/img\/logo_icon.jpg\">\r\n <span class=\"author\">學霸說保險-南希<\/span>\r\n <\/div>\r\n <div class=\"content-box\">\r\n <p><img src=\"\/skin\/img\/top.jpg?v=20200630\"><\/p>\r\n <p>當大家一聽到重疾險時,非常多人可能會覺得不易于理解。不過,要是朋友們詳細地了解了重大疾病為我們生活帶來的煩惱,投保重疾險就很關鍵了。<\/p>\r\n<p>據我發現,最近大伙討論比較多的重疾險產品,就是友邦人壽旗下的“友邦友如意星享版(2023)重大疾病保險”了。<\/p>\r\n<p>不過友邦友如意星享版(2023)重大疾病保險有什么優勢?友邦友如意星享版(2023)重大疾病保險是否值得配置呢?<\/p>\r\n<p>想了解這一問題的答案,下文里解釋得很清楚。<\/p>\r\n<p>學姐還從另一個角度對該產品做了分析,感興趣的朋友可以戳這里看看:<\/p>\r\n<p><b><a href=\"https:\/\/wexin.qq.275.com?gid=14311&tag=友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!\" rel=\"nofollow\" target=\"_blank\"><div class=\"J_link linkcard\"><span class=\"linkcard-background\" style=\"background-image:url(\/skin\/img\/wechat.png);\"><\/span><span class=\"linkcard-content\"><span class=\"linkcard-image\"><img src=\"\/skin\/img\/wechat.png\"\/><\/span><span class=\"linkcard-text\"><span class=\"title\">《友邦友如意星享版(2023)重大疾病保險值得買嗎?買前必看!》<\/span><span class=\"link\"><svg class=\"Zi Zi--InsertLink\" fill=\"currentColor\" viewBox=\"0 0 24 24\" width=\"17\" height=\"17\"><path d=\"M6.77 17.23c-.905-.904-.94-2.333-.08-3.193l3.059-3.06-1.192-1.19-3.059 3.058c-1.489 1.489-1.427 3.954.138 5.519s4.03 1.627 5.519.138l3.059-3.059-1.192-1.192-3.059 3.06c-.86.86-2.289.824-3.193-.08zm3.016-8.673l1.192 1.192 3.059-3.06c.86-.86 2.289-.824 3.193.08.905.905.94 2.334.08 3.194l-3.059 3.06 1.192 1.19 3.059-3.058c1.489-1.489 1.427-3.954-.138-5.519s-4.03-1.627-5.519-.138L9.786 8.557zm-1.023 6.68c.33.33.863.343 1.177.029l5.34-5.34c.314-.314.3-.846-.03-1.176-.33-.33-.862-.344-1.176-.03l-5.34 5.34c-.314.314-.3.846.03 1.177z\" fill-rule=\"evenodd\"><\/path><\/svg>weixin.qq.275.com<\/span><\/span><\/span><\/div><\/a><\/b><\/p>\r\n<p><\/p>\r\n<p><b>一、友邦友如意星享版(2023)重大疾病保險保障分析!<\/b><\/p>\r\n<p>關于它的保障圖咱們先來看看:<\/p>\t<img width=\"75%\" src=\"https:\/\/files.275.com\/images\/f778174490c27c25ff001705b0a335c3.jpg\" alt=\"\">\r\n<p>如上圖所示,友邦友如意星享版(2023)重大疾病保險設置的投保年齡范圍如下:出生滿7日-17歲。<\/p>\r\n<p>其次,友邦友如意星享版(2023)重大疾病保險的保障期限為終身,比較起保定期的重疾險,沒有重復進行健康告知的麻煩。<\/p>\r\n<p>另一方面,學姐還找到了一些其他的出彩之處,請看下面。<\/p>\r\n<p><b>1、等待期較短<\/b><\/p>\r\n<p>等待期還有一個名字是觀察期,意思就是保單生效后的一段時間里面,要是被保人運氣不好出險了,除非是意外情況導致,不然的話保險公司不提供保險金。<\/p>\r\n<p>友邦友如意星享版(2023)重大疾病保險配備了90天的等待期,和一些等待期設置為180天的重疾險對照分析,該產品設置的等待期會更友好,能讓被保人迅速獲得全部保障。<\/p>\r\n<p>若你還想知道更多關于等待期的內容,可以再看看這份資料:<\/p>\r\n<p><b><a href=\"https:\/\/wexin.qq.275.com?gid=3857&tag=友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!\" rel=\"nofollow\" target=\"_blank\"><div class=\"J_link linkcard\"><span class=\"linkcard-background\" style=\"background-image:url(\/skin\/img\/wechat.png);\"><\/span><span class=\"linkcard-content\"><span class=\"linkcard-image\"><img src=\"\/skin\/img\/wechat.png\"\/><\/span><span class=\"linkcard-text\"><span class=\"title\">《等待期內出險保險公司就不賠了?不懂可是要吃大虧的!》<\/span><span class=\"link\"><svg class=\"Zi Zi--InsertLink\" fill=\"currentColor\" viewBox=\"0 0 24 24\" width=\"17\" height=\"17\"><path d=\"M6.77 17.23c-.905-.904-.94-2.333-.08-3.193l3.059-3.06-1.192-1.19-3.059 3.058c-1.489 1.489-1.427 3.954.138 5.519s4.03 1.627 5.519.138l3.059-3.059-1.192-1.192-3.059 3.06c-.86.86-2.289.824-3.193-.08zm3.016-8.673l1.192 1.192 3.059-3.06c.86-.86 2.289-.824 3.193.08.905.905.94 2.334.08 3.194l-3.059 3.06 1.192 1.19 3.059-3.058c1.489-1.489 1.427-3.954-.138-5.519s-4.03-1.627-5.519-.138L9.786 8.557zm-1.023 6.68c.33.33.863.343 1.177.029l5.34-5.34c.314-.314.3-.846-.03-1.176-.33-.33-.862-.344-1.176-.03l-5.34 5.34c-.314.314-.3.846.03 1.177z\" fill-rule=\"evenodd\"><\/path><\/svg>weixin.qq.275.com<\/span><\/span><\/span><\/div><\/a><\/b><\/p>\r\n<p><\/p>\r\n<p><b>2、中輕癥保障計劃可靈活選擇<\/b><\/p>\r\n<p>友邦友如意星享版(2023)重大疾病保險為消費者準備了重\/中\/輕癥保障,其中中癥保障和輕癥保障的賠付比例,會受選擇的保障計劃所影響。<\/p>\r\n<p>要給小伙伴們提個醒,在選擇計劃B的情況下,該中癥保障設置的賠付比例是比較高的,這款產品的設置是賠付60%基本保額。<\/p>\r\n<p>目前市面上,重疾險基本上提供50%的基本保額的保險金,而友邦友如意星享版(2023)重大疾病保險對于中癥賠付設置的比例,跟主流水平對照分析還要高出了10%。<\/p>\r\n<p>假設李先生打算為孩子投保了這款產品,選擇B計劃是可以的,保額較高,為50萬元。這么看來在與條件相匹配的情況下,被保人能拿到的中癥保險金足足有30萬元,與主流賠付比較來看多了5萬元。<\/p>\r\n<p>這種情況下,萬一孩子罹患合同中保障的中癥疾病,同時達到理賠要求時,就有一大筆錢來治療了。<\/p>\r\n<p><b>二、友邦友如意星享版(2023)重大疾病保險值得買嗎?<\/b><\/p>\r\n<p><b>1、注意繳費期限<\/b><\/p>\r\n<p>友邦友如意星享版(2023)重大疾病保險有兩種繳費期限可以靈活地選擇,有20年交、30年交兩個選項。<\/p>\r\n<p>縱然長一些的繳費期限,有利于轉移保費的壓力,但對于收入不固定的朋友來說,其實躉交的方式會更合適。<\/p>\r\n<p>假如說投保人可以選躉交,選擇躉交選項后,保費將在一次性交付的情況下完成,\r\n實施這一方案可以防止未來收入的中斷,避免斷繳情況的出現。\r\n<\/p>\r\n<p>若你還想知道更多關于躉交的內容,也可以再看看這篇文章的介紹:<\/p>\r\n<p><b><a href=\"https:\/\/wexin.qq.275.com?gid=906&tag=友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!\" rel=\"nofollow\" target=\"_blank\"><div class=\"J_link linkcard\"><span class=\"linkcard-background\" style=\"background-image:url(\/skin\/img\/wechat.png);\"><\/span><span class=\"linkcard-content\"><span class=\"linkcard-image\"><img src=\"\/skin\/img\/wechat.png\"\/><\/span><span class=\"linkcard-text\"><span class=\"title\">《躉交是什么意思?有什么好處?》<\/span><span class=\"link\"><svg class=\"Zi Zi--InsertLink\" fill=\"currentColor\" viewBox=\"0 0 24 24\" width=\"17\" height=\"17\"><path d=\"M6.77 17.23c-.905-.904-.94-2.333-.08-3.193l3.059-3.06-1.192-1.19-3.059 3.058c-1.489 1.489-1.427 3.954.138 5.519s4.03 1.627 5.519.138l3.059-3.059-1.192-1.192-3.059 3.06c-.86.86-2.289.824-3.193-.08zm3.016-8.673l1.192 1.192 3.059-3.06c.86-.86 2.289-.824 3.193.08.905.905.94 2.334.08 3.194l-3.059 3.06 1.192 1.19 3.059-3.058c1.489-1.489 1.427-3.954-.138-5.519s-4.03-1.627-5.519-.138L9.786 8.557zm-1.023 6.68c.33.33.863.343 1.177.029l5.34-5.34c.314-.314.3-.846-.03-1.176-.33-.33-.862-.344-1.176-.03l-5.34 5.34c-.314.314-.3.846.03 1.177z\" fill-rule=\"evenodd\"><\/path><\/svg>weixin.qq.275.com<\/span><\/span><\/span><\/div><\/a><\/b><\/p>\r\n<p><\/p>\r\n<p><b>2、少兒特疾保障分析<\/b><\/p>\r\n<p>除了以上提到的保障外,友邦友如意星享版(2023)重大疾病保險還提供了“少兒特定重疾保險金”保障。<\/p>\r\n<p>該項保險責任總共為10種少兒特疾提供保障,當投保人的子女患上與合同約定的兒童特殊疾病時,\r\n如若滿足理賠條件時,這樣的話可按照100%基本保額進行額外賠付。<\/p>\r\n<p>然而當今行業中部分同種類型保險,少兒特疾保障和“少兒罕見病”保障都兼具,所以建議大家多對比看看。<\/p>\r\n<p><b>三、學姐的總結!<\/b><\/p>\r\n<p>相信大家看了這么多,對“友邦友如意星享版(2023)重大疾病保險”的保障和條款都基本搞懂了。<\/p>\r\n<p>根據上圖可知,友邦友如意星享版(2023)重大疾病保險有不少值得稱贊之處,大家要當心它對于“繳費期限”以及“少兒特疾保障”的設置。<\/p>\r\n<p>因此是否有必要入手這款產品,最好是結合自己的實際情況來加以判斷。<\/p>\r\n<p>如果你對這款產品還不夠滿意,也可以再看看這份榜單:<\/p>\r\n<p><b><a href=\"https:\/\/wexin.qq.275.com?gid=751211&tag=友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!\" rel=\"nofollow\" target=\"_blank\"><div class=\"J_link linkcard\"><span class=\"linkcard-background\" style=\"background-image:url(\/skin\/img\/wechat.png);\"><\/span><span class=\"linkcard-content\"><span class=\"linkcard-image\"><img src=\"\/skin\/img\/wechat.png\"\/><\/span><span class=\"linkcard-text\"><span class=\"title\">《十大超高性價比的小孩子重疾險,這篇寶藏攻略別錯過!》<\/span><span class=\"link\"><svg class=\"Zi Zi--InsertLink\" fill=\"currentColor\" viewBox=\"0 0 24 24\" width=\"17\" height=\"17\"><path d=\"M6.77 17.23c-.905-.904-.94-2.333-.08-3.193l3.059-3.06-1.192-1.19-3.059 3.058c-1.489 1.489-1.427 3.954.138 5.519s4.03 1.627 5.519.138l3.059-3.059-1.192-1.192-3.059 3.06c-.86.86-2.289.824-3.193-.08zm3.016-8.673l1.192 1.192 3.059-3.06c.86-.86 2.289-.824 3.193.08.905.905.94 2.334.08 3.194l-3.059 3.06 1.192 1.19 3.059-3.058c1.489-1.489 1.427-3.954-.138-5.519s-4.03-1.627-5.519-.138L9.786 8.557zm-1.023 6.68c.33.33.863.343 1.177.029l5.34-5.34c.314-.314.3-.846-.03-1.176-.33-.33-.862-.344-1.176-.03l-5.34 5.34c-.314.314-.3.846.03 1.177z\" fill-rule=\"evenodd\"><\/path><\/svg>weixin.qq.275.com<\/span><\/span><\/span><\/div><\/a><\/b><\/p>\r\n<p><\/p> <p class=\"ct code-box\"><img src=\"\/skin\/img\/gz_more.png\"><\/p>\r\n <p>全網同號:<a href=\"https:\/\/www.blessingsandgraceforall.com\/\">學霸說保險<\/a>,歡迎搜索!<\/p>\r\n <p><img src=\"\/skin\/img\/xb3.jpg?v=20200630\"><\/p>\r\n <\/div>\r\n <div class=\"qs-top\">\r\n <p>上一篇: <a href=\"\/question\/9aabf86280365f49.html\">購買友邦友如意星享版(2023)重大疾病保險重疾險行么?適合多大年紀配置?這幾點要留意!<\/a><\/p>\r\n <p>下一篇: <a href=\"\/question\/5f74a9427bd254eb.html\">君龍超級瑪麗9號重疾險重疾險怎么樣靠譜嗎?什么年紀人適合買?干貨好文!<\/a><\/p>\r\n <\/div>\r\n\r\n <\/section>\r\n <\/div>\r\n <div class=\"right-box\">\r\n <section>\r\n <div class=\"title-box\">\r\n <p class=\"name\">掃碼關注微信公眾號<\/p>\r\n <p class=\"slogan\">幫你花更少的錢,買對的保險<\/p>\r\n <\/div>\r\n <div class=\"ewm\">\r\n <img src=\"\/static\/right_qrcode.jpg\" style=\"width:250px;\">\r\n <p style=\"font-size:24px;color:#3299cb;padding-bottom:10px;margin-top:10px;\">關注【學霸說保險】<br>解決你所有的保險疑問<\/p>\r\n <\/div>\r\n <\/section>\r\n <section>\r\n <div class=\"hd\">\r\n <img src=\"\/skin\/img\/hotjar.png\">\r\n <span class=\"title\">熱點問題<\/span>\r\n <\/div>\r\n <div class=\"bd\">\r\n <ul>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/77ff3c670665c640.html\">友邦人壽友邦友如意星享版(2023)重大疾病保險重疾險的保障到底好不好呢?適合多大年紀人購買?看看內行人怎么說!<\/a><\/div>\r\n <div class=\"date\">09-08<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/21a9199a2bee2461.html\">友邦人壽友邦友如意星享版(2023)重大疾病保險保險的性價比怎樣?輕癥賠付比例如何?看完你就知道該怎么做了!<\/a><\/div>\r\n <div class=\"date\">09-08<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/08ea6acfbc5d19d8.html\">友邦友如意星享版(2023)重大疾病保險性價比如何值得購買嗎?重疾賠付一般多少次?全面分析,保證不踩坑!<\/a><\/div>\r\n <div class=\"date\">09-09<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/1a7d5e3a980c42e7.html\">友邦友如意星享版(2023)重大疾病保險重疾險可靠不?多大年齡人適合配置?看完這篇文章恍然大悟!<\/a><\/div>\r\n <div class=\"date\">09-09<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a 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<div class=\"date\">09-12<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/4e036ab858b543f8.html\">友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險怎樣好不好?中癥賠付次數有多少?硬核干貨來了!<\/a><\/div>\r\n <div class=\"date\">09-12<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/section>\r\n <section>\r\n <div class=\"hd\">\r\n <img src=\"\/skin\/img\/new1.png\">\r\n <span class=\"title\">最新問題<\/span>\r\n <\/div>\r\n <div class=\"bd\">\r\n <ul>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/8a016f7fb9cd35c6.html\">友邦友如意星享版(2023)重大疾病保險重疾險的性價比咋樣?保障時間怎樣?3分鐘讀懂!<\/a><\/div>\r\n <div class=\"date\">10-16<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/8666002d4cc8d9b6.html\">友邦友如意星享版(2023)重大疾病保險完整測評?多大年齡人可以配置?一文揭曉!<\/a><\/div>\r\n <div class=\"date\">10-15<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/e4b8b516d6b7d581.html\">友邦人壽友邦友如意星享版(2023)重大疾病保險重疾險咋樣好不好?是保終身還是定期?2分鐘讀懂!<\/a><\/div>\r\n <div class=\"date\">10-15<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/2e32a8e09cef91f0.html\">友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險這款保險好嗎?重疾賠付比例是多少?從這些方面來看!<\/a><\/div>\r\n <div class=\"date\">10-14<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/9aabf86280365f49.html\">購買友邦友如意星享版(2023)重大疾病保險重疾險行么?適合多大年紀配置?這幾點要留意!<\/a><\/div>\r\n <div class=\"date\">10-14<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/07ad6aa0097b29dc.html\">友邦友如意星享版(2023)重大疾病保險重疾險的不足在哪?投保年齡限制是什么?看完這篇文章恍然大悟!<\/a><\/div>\r\n <div class=\"date\">10-13<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/333a998c104842cd.html\">友邦人壽友邦友如意星享版(2023)重大疾病保險保險哪里好?保障期限多少?了解這些后會有結論!<\/a><\/div>\r\n <div class=\"date\">10-13<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/6d3039c70974ff2f.html\">友邦人壽的友邦友如意星享版(2023)重大疾病保險重疾險靠譜么?多大年齡人適合購買?硬核干貨來了!<\/a><\/div>\r\n <div class=\"date\">10-12<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/a503aff47807efd8.html\">友邦友如意星享版(2023)重大疾病保險重疾險的優勢在哪?什么年紀人適合買?一文解讀!<\/a><\/div>\r\n <div class=\"date\">10-12<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <li>\r\n <div class=\"title\"><a href=\"\/question\/4caa00bc103fd290.html\">友邦人壽友邦友如意星享版(2023)重大疾病保險保險哪里靠譜?等待期有多久?從這些角度來看!<\/a><\/div>\r\n <div class=\"date\">10-11<\/div>\r\n <div class=\"clr\"><\/div>\r\n <\/li>\r\n <\/ul>\r\n <\/div>\r\n <\/section>\r\n <section>\r\n <div class=\"hd\">\r\n <div class=\"fl\"><span class=\"title\">保險問題標簽<\/span><\/div>\r\n <div class=\"fr\"><a href=\"\/question\/taglist.html\">更多>><\/a><\/div>\r\n <\/div>\r\n <div class=\"bd\">\r\n <div class=\"clr\"><\/div> \r\n <dl>\r\n <dd><a href=\"\/question\/tag-zhongguorenshou.html\">中國人壽<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-jiankangwuyou.html\">新華健康無憂<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-minshengbaoxian.html\">民生保險<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-zhonghongrenshou.html\">中宏人壽<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-zhishengrensheng.html\">智勝人生<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-bainianrenshou.html\">百年人壽<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-guoshoufu.html\">國壽福<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-qianhairenshou.html\">前海人壽<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-fanhuanxing.html\">返還型<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-yangguangbaoxian.html\">陽光保險<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-fulinmen.html\">華夏福臨門<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-shuidibao.html\">水滴保<\/a><\/dd>\r\n <dd><a href=\"\/question\/tag-nianjinxian.html\">年金險<\/a><\/dd>\r\n <dd><a 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