{"id":101,"date":"2016-05-30T22:37:01","date_gmt":"2016-05-30T14:37:01","guid":{"rendered":"http:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=101"},"modified":"2020-10-13T22:35:10","modified_gmt":"2020-10-13T14:35:10","slug":"liuxue-baoxian-capped-benefits-danger","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2016\/05\/30\/liuxue-baoxian-capped-benefits-danger\/","title":{"rendered":"\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669 &#8211; \u8ba4\u8bc6\u4fdd\u969c\u4e2d\u7684\u4fdd\u989d\u9650\u5236\u548c\u5982\u4f55\u8bc6\u522b\u9650\u5236"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-content\/uploads\/2016\/04\/danger.jpg\" alt=\"\" width=\"198\" height=\"192\"\/><figcaption>\u7559\u5b66\u4fdd\u9669\u6761\u6b3e\u4e2d\u7684\u9650\u5236\u4f60\u6e05\u695a\u5417?<\/figcaption><\/figure><\/div>\n\n\n<p>\u5927\u591a\u6570\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u90fd\u4f1a\u5728\u6295\u4fdd\u4e4b\u524d\u63d0\u4f9b\u8ba1\u5212\u5c0f\u518c\u5b50\u3001\u4fdd\u969c\u548c\u4e0d\u4fdd\u4e8b\u9879\u6458\u8981\u5185\u5bb9\u3002\u867d\u7136\u4f60\u53ef\u4ee5\u4e00\u773c\u4fef\u89c6\u6240\u6709\u7684\u4fdd\u969c\u9879\u76ee\uff0c\u4f46\u8fd9\u4e00\u822c\u90fd\u5e76\u4e0d\u662f\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u7684\u8be6\u7ec6\u6761\u6b3e\u800c\u53ea\u662f\u6458\u8981\u3002\u5f53\u4f60\u4ed4\u7ec6\u67e5\u9605\u4fdd\u9669\u8be6\u7ec6\u6761\u6b3e\u540e\u4f1a\u53d1\u73b0\u6709\u4e9b\u4fdd\u969c\u88ab\u9650\u5236\u5728\u7279\u5b9a\u7684\u91d1\u989d\u6216\u5929\u6570\u5185\uff0c\u4e3a\u4ec0\u4e48\u4f1a\u8fd9\u6837\u5462\uff1f<\/p>\n<p><\/p>\n<p><span class=\"s1\">\u672c\u6587\u7ae0\u5c06\u4e3a\u5927\u5bb6\u4ecb\u7ecd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u4e2d\u7684\u4fdd\u989d\u9650\u5236\u6982\u5ff5\uff0c\u5176\u610f\u601d\u548c\u5982\u4f55\u627e\u51fa\u9650\u5236\u3002\u5f53\u627e\u51fa\u9650\u5236\u540e\uff0c\u4f60\u4fbf\u77e5\u9053\u4f60\u6240\u8d2d\u4e70\u6216\u51c6\u5907\u8d2d\u4e70\u7684\u4fdd\u9669\u8ba1\u5212\u4e2d\u5230\u5e95\u8986\u76d6\u4ec0\u4e48\u6216\u4e0d\u8986\u76d6\u4ec0\u4e48\u4e86\u3002<\/span><\/p>\n<p><\/p>\n<hr>\n<h2 class=\"p1\"><span class=\"s1\">\u7559\u5b66\u4fdd\u9669\u4fdd\u969c\u4e2d\u7684\u4fdd\u989d\u9650\u5236\u6307\u7684\u662f\u4ec0\u4e48<\/span><span class=\"s1\">\uff1f<\/span><\/h2>\n<p>\u65e0\u8bba\u6700\u9ad8\u4fdd\u989d\u5199\u7684\u662f\u591a\u5c11\u91d1\u989d\uff0c\u8ba1\u5212\u7684\u5404\u9879\u4fdd\u969c\u91cc\u53ef\u80fd\u4f1a\u6709\u4e2a\u522b\u7684\u9650\u5236\u3002\u8fd9\u4e9b\u9650\u5236\u4e5f\u88ab\u79f0\u4e3a\u4fdd\u989d\u9650\u5236\uff0c\u901a\u5e38\u6309\u4ee5\u4e0b\u7684\u65b9\u6cd5\u6765\u9650\u5236\u4fdd\u969c\uff1a<\/p>\n<ol>\n<li class=\"p1\"><span class=\"s1\"><span class=\"s1\"><span class=\"s1\"><strong>\u5728\u67d0\u4e9b\u4fdd\u969c\u603b\u989d\u4e0a\u8bbe\u7f6e\u4e2a\u522b\u6700\u9ad8\u4e0a\u9650(\u5982\uff1a\u4f4f\u9662\u4fdd\u969c\u603b\u989d\u4e3a50\u4e07\u7f8e\u5143<span style=\"color: #ff0000;\">\u4f46\u6bcf\u5929\u6700\u9ad8\u4e0a\u9650\u4e3a600\u7f8e\u5143<\/span>)<\/strong><\/span><\/span><\/span><\/li>\n<li class=\"p1\"><strong>\u5728\u67d0\u4e9b\u4fdd\u969c<span class=\"s1\">\u603b\u989d<\/span>\u4e0a\u8bbe\u7f6e\u8986\u76d6\u5929\u6570\u7684\u4e0a\u9650(\u5982\uff1a\u836f\u7269\u8986\u76d6\u76f4\u81f3\u6700\u9ad8\u4fdd\u989d\uff0c<span style=\"color: #ff0000;\">\u4f46\u6700\u591a\u8986\u76d630\u5929\u7684\u91cf<\/span>)<\/strong><\/li>\n<\/ol>\n<p class=\"p1\"><span class=\"s1\">\u4ee5\u4e0a\u7684\u4e24\u4e2a\u4f8b\u5b50\uff0c\u5982\u679c\u4f60\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u6700\u9ad8\u4fdd\u989d\u4e3a\u4e94\u5341\u4e07\u7f8e\u5143\uff0c\u4f46\u4f60\u8fd8\u662f\u53ef\u80fd\u9700\u8981\u627f\u62c5\u4e00\u5927\u7b14\u533b\u7597\u8d39\u7528\uff0c\u56e0\u4e3a\u8ba1\u5212\u5728\u67d0\u4e2a\u91d1\u989d\u4e0a\u9650\u6216\u67d0\u4e2a\u5929\u6570\u540e\u5c31\u4e0d\u518d\u8986\u76d6\u4e86\u3002<\/span><\/p>\n<p><\/p>\n<p class=\"p1\"><span style=\"color: #3366ff;\"><strong><span class=\"s1\">\u8fd8\u662f\u4e0d\u592a\u660e\u767d\uff1f\u6765\uff0c\u6211\u4eec\u518d\u6df1\u5165\u7406\u89e3\u4e00\u4e0b\u4ee5\u4e0a\u4e24\u4e2a\u4f8b\u5b50\uff1a<\/span><\/strong><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\"><span style=\"color: #3366ff;\">\u4f8b\u5b50\u4e00\uff1a<\/span>\u6211\u4eec\u5148\u770b\u7b2c\u4e00\u4e2a\u9650\u5236\uff0c<strong>\u4f4f\u9662\u4fdd\u969c\u6bcf\u5929\u6700\u9ad8\u4e0a\u9650\u4e3a600\u7f8e\u5143\u3002<\/strong><br>\u5728\u7f8e\u56fd\u4f4f\u9662\u968f\u968f\u4fbf\u4fbf\u5c31\u53ef\u4ee5\u6bcf\u5929\u82b1\u4f60\u597d\u51e0\u5343\u7f8e\u5143\uff0c\u5982\u679c\u8ba1\u5212\u7684\u4f4f\u9662\u4fdd\u969c\u6bcf\u5929\u53ea\u8986\u76d6600\u7f8e\u5143\uff0c\u6bcf\u5929\u8d85\u51fa\u7684\u4f4f\u9662\u8d39\u7528\u5c31\u8981\u81ea\u5df1\u6dd8\u94b1\u4ed8\u4e86\u554a\u3002<\/span><\/p>\n<p class=\"p1\"><span style=\"color: #3366ff;\">\u4f8b\u5b50\u4e8c\uff1a<\/span>\u6765\u770b\u7b2c\u4e8c\u4e2a\u9650\u5236\uff0c\u8bd5\u60f3\u60f3\u4f60\u60a3\u75c5\u540e\u533b\u751f\u9700\u8981\u4f60\u6bcf\u5929\u670d\u7528\u4e00\u6b3e\u5904\u65b9\u836f\u3002<strong>\u5728\u8fd9\u60c5\u51b5\u4e0b\uff0c\u5982\u679c\u8ba1\u5212\u53ea\u80fd\u8986\u76d6\u5934\u4e09\u5341\u5929\u7684\u8d39\u7528\uff0c\u5269\u4e0b\u7684\u53c8\u9700\u8981\u81ea\u5df1\u5168\u989d\u652f\u4ed8\u3002\u4e0d\u8981\u4ee5\u4e3a\u5904\u65b9\u836f\u5f88\u4fbf\u5b9c\uff0c\u6709\u4e9b\u8fd8\u662f\u8981\u4e0a\u767e\u4e0a\u5343\u7f8e\u5143\u7684\u3002<\/strong><\/p>\n<p><\/p>\n<p class=\"p1\"><span class=\"s1\">\u5e0c\u671b\u4ee5\u4e0a\u7684\u4e24\u4e2a\u4f8b\u5b50\u80fd\u8ba9\u4f60\u7406\u89e3\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u7684\u4fdd\u969c\u662f\u5982\u4f55\u8ba1\u7b97\u3002\u5f88\u591a\u7559\u5b66\u751f\u548c\u8bbf\u95ee\u5b66\u8005\u4e00\u5473\u53ea\u9009\u7740\u9009\u6700\u4fbf\u5b9c\u7684\u8ba1\u5212\uff0c\u4f46\u6700\u4fbf\u5b9c\u7684\u8ba1\u5212\u4f4f\u4f4f\u5728\u4fdd\u969c\u91cc\u90fd\u6709\u5f88\u591a\u4fdd\u989d\u9650\u5236\u3002\u7279\u522b\u662f\u5f53\u4f60\u9700\u8981\u4f7f\u7528\u4fdd\u9669\u65f6\uff0c\u4f60\u4f1a\u53d1\u73b0\u5176\u5b9e\u6027\u4ef7\u6bd4\u5e76\u6ca1\u6709\u5f88\u9ad8\uff0c\u56e0\u4e3a\u4f60\u4ed8\u5b8c\u4fdd\u8d39\u7684\u540c\u65f6\u53c8\u8981\u652f\u4ed8\u81ea\u5df1\u6240\u627f\u62c5\u7684\u90e8\u4efd\u3002\u901a\u5e38\u8d35\u4e00\u70b9\u7684\u4fdd\u9669\u8ba1\u5212\uff0c\u4fdd\u989d\u9650\u5236\u4e5f\u4f1a\u76f8\u5bf9\u6bd4\u8f83\u5c11\u6216\u6ca1\u6709\u9650\u5236\u3002<\/span><\/p>\n<p><\/p>\n<hr>\n<h2 class=\"p1\"><span class=\"s1\">\u5982\u4f55\u8bc6\u522b\u81ea\u5df1\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u7684\u4fdd\u969c\u91cc\u662f\u5426\u6709\u4fdd\u989d\u9650\u5236\uff1f<\/span><\/h2>\n<h3 class=\"p1\"><span class=\"s1\">\u6559\u4f60\u5982\u4f55\u8bc6\u522b\u4fdd\u989d\u9650\u5236<\/span><\/h3>\n<p class=\"p1\"><span class=\"s1\">\u5c0f\u7f16\u76f8\u4fe1\u5927\u5bb6\u73b0\u5728\u5e94\u8be5\u7406\u89e3\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u4e2d\u7684\u4fdd\u989d\u9650\u5236\u4f1a\u8ba9\u88ab\u4fdd\u4eba(\u5c31\u662f\u4f60)\u9700\u8981\u81ea\u4ed8\u66f4\u591a\u7684\u8d39\u7528\u3002\u6709\u4e9b\u8ba1\u5212\u8fd8\u4f1a\u628a\u8fd9\u4e9b\u4fdd\u989d\u9650\u5236\u653e\u5728\u4f60\u4e0d\u5bb9\u6613\u770b\u5230\u7684\u5730\u65b9\uff01\u6709\u4e9b\u4fdd\u9669\u516c\u53f8\u4f1a\u4f7f\u7528\u6613\u4e8e\u9605\u8bfb\u7684\u4fdd\u969c\u6458\u8981\u4e00\u89c8\u8868\u6765\u663e\u793a\u8fd9\u6b3e\u4fdd\u9669\u8ba1\u5212\u8986\u76d6\u4e0a\u9650\u6216\u5185\u5bb9\u3002\u4f46\u662f\u8bf7\u6ce8\u610f\uff0c\u8fd9\u5e76\u4e0d\u662f\u8be5\u4fdd\u9669\u8ba1\u5212\u7684\u8be6\u7ec6\u6761\u6b3e\uff01\u4e00\u822c\u60c5\u51b5\u4e0b\uff0c\u4fdd\u9669\u8ba1\u5212\u7684\u5c0f\u518c\u5b50\u548c\u4fdd\u969c\u6458\u8981\u8868\u90fd\u4f1a\u7f3a\u5c11\u4e00\u4e9b\u91cd\u8981\u7684\u4fe1\u606f(\u4fdd\u989d\u9650\u5236)\u3002<\/span><\/p>\n<p><\/p>\n<p class=\"p1\"><span class=\"s1\">\u867d\u7136\u5f88\u591a\u4fdd\u9669\u516c\u53f8\u6216\u4e2d\u4ecb\u4f1a\u5305\u542b\u8fd9\u4fe1\u606f\u5728\u63a8\u5e7f\u8d44\u6599\u91cc\u4ee5\u4f9b\u8d2d\u4e70\u8005\u77e5\u9053\uff0c\u4f46\u5e76\u4e0d\u662f\u6240\u6709\u4fdd\u9669\u516c\u53f8\u6216\u4e2d\u4ecb\u90fd\u4f1a\u8fd9\u6837\u505a\uff01\u907f\u514d\u53d1\u751f \u201c\u81ea\u4ed8\u4e86\u4e00\u7b14\u8d39\u7528\u540e\u53bb\u7d22\u8d54\u624d\u77e5\u9053\u6709\u9650\u5236\u201d \u7684\u60c5\u51b5\u53d1\u751f\uff0c\u5728\u6295\u4fdd\u524d\u8981\u505a\u4e00\u4ef6\u975e\u5e38\u91cd\u8981\u7684\u4e8b\uff0c\u5c31\u662f\u5411\u4fdd\u9669\u516c\u53f8\u6216\u4e2d\u4ecb\u83b7\u53d6\u8ba1\u5212\u7684\u8be6\u7ec6\u6761\u6b3e\u3002\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u7684\u8be6\u7ec6\u6761\u6b3e\u6709\u5f88\u591a\u4e13\u6709\u7528\u8bed\uff0c\u6700\u5e38\u89c1\u7684\u6709\uff1a<\/span><\/p>\n<ul>\n<li class=\"p1\"><span class=\"s1\">Master Policy<\/span><\/li>\n<li class=\"p1\">Description of Coverage<\/li>\n<li class=\"p1\">Certificate of Coverage<\/li>\n<li class=\"p1\">Policy Wording<\/li>\n<\/ul>\n<p class=\"p1\"><span class=\"s1\">\u867d\u7136\u4fdd\u9669\u8ba1\u5212\u7684\u8be6\u7ec6\u6761\u6b3e\u770b\u8d77\u6765\u548c\u82f1\u6587\u5c0f\u8bf4\u4e00\u6837\u957f\uff0c\u800c\u4e14\u8fd8\u5f88\u4e25\u8083\u7684\u6837\u5b50(\u597d\u50cf\u5728\u8bfb\u5408\u540c)\uff0c\u4e0d\u8fc7\u8fd8\u662f\u8981\u597d\u597d\u7684\u770b\u6e05\u695a\u8ba1\u5212\u4fdd\u969c\u7684\u8be6\u7ec6\u63cf\u8ff0\u4ee5\u786e\u4fdd\u81ea\u5df1\u5b8c\u5168\u7406\u89e3\u4fdd\u969c\u3002\u5982\u679c\u4f60\u8bfb\u8fc7\u4f46\u771f\u4f60\u4e0d\u660e\u767d\u5176\u610f\u601d(\u82f1\u6587\u548c\u4fdd\u9669\u672f\u8bed\u592a\u591a)\uff0c\u53ef\u4ee5\u5411\u4fdd\u9669\u516c\u53f8\u6216\u4e2d\u4ecb\u54a8\u8be2\u6709\u5173\u4fe1\u606f\u3002\u6709\u4e9b\u8fd8\u63d0\u4f9b\u4e2d\u6587\u7ffb\u8bd1\u6216\u4e2d\u6587\u5ba2\u670d\u4e3a\u4f60\u8bb2\u89e3(\u6bd4\u5982\u6211\u4eec)\u3002<\/span><span class=\"s1\">\u6bd5\u7adf\uff0c\u4fdd\u9669\u516c\u53f8\u5728\u7406\u8d54\u65f6\u4e5f\u662f\u6309\u7167\u8fd9\u4efd\u6587\u4ef6\u6765\u5904\u7406\u7684\u3002<\/span><\/p>\n<p><\/p>\n<h4 class=\"p1\">\u60f3\u4e86\u89e3\u66f4\u591a\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u4e2d\u9700\u8981\u81ea\u4ed8\u7684\u8d39\u7528\uff1f\u8bf7\u6d4f\u89c8\u6211\u4eec\u7684 <a href=\"http:\/\/www.internationalstudentinsurance.com\/cn\/baoxian-jiangjie\/liaojie-zifu-feiyong.php\">&#8220;\u4e86\u89e3\u81ea\u4ed8\u8d39\u7528&#8221;<\/a> \u7ae0\u8282\uff01<\/h4>\n<p><\/p>\n<p>\u5982\u679c\u4f60\u6709\u4ec0\u4e48\u4e0d\u6e05\u695a\u7684\u5730\u65b9\uff0c<a href=\"http:\/\/www.internationalstudentinsurance.com\/cn\/contact\/\">\u8bf7\u968f\u65f6\u4e0e\u6211\u4eec\u5ba2\u670d\u8054\u7cfb<\/a>\uff01<\/p>\n<p><\/p>\n<hr>\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"794\" height=\"536\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Service-APP-Signature.png\" alt=\"\" class=\"wp-image-964\" srcset=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Service-APP-Signature.png 794w, https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Service-APP-Signature-300x203.png 300w, https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Service-APP-Signature-768x518.png 768w\" sizes=\"auto, (max-width: 794px) 100vw, 794px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><img loading=\"lazy\" decoding=\"async\" width=\"455\" height=\"250\" src=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Application-Contact-Us.png\" alt=\"\" class=\"wp-image-963\" srcset=\"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Application-Contact-Us.png 455w, https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-content\/uploads\/2019\/11\/WeChat-Application-Contact-Us-300x165.png 300w\" sizes=\"auto, (max-width: 455px) 100vw, 455px\" \/><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u5927\u591a\u6570\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u90fd\u4f1a\u5728\u6295\u4fdd\u4e4b\u524d\u63d0\u4f9b\u8ba1\u5212\u5c0f\u518c\u5b50\u3001\u4fdd\u969c\u548c\u4e0d\u4fdd\u4e8b\u9879\u6458\u8981\u5185\u5bb9\u3002\u867d\u7136\u4f60\u53ef\u4ee5\u4e00\u773c\u4fef\u89c6\u6240\u6709\u7684\u4fdd\u969c\u9879\u76ee\uff0c\u4f46\u8fd9 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