{"id":396,"date":"2017-11-01T21:07:23","date_gmt":"2017-11-01T13:07:23","guid":{"rendered":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/?p=396"},"modified":"2018-06-26T20:14:29","modified_gmt":"2018-06-26T12:14:29","slug":"liuxue-baoxian-xinyong-pingji","status":"publish","type":"post","link":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/2017\/11\/01\/liuxue-baoxian-xinyong-pingji\/","title":{"rendered":"\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7\u4ee5\u53ca\u4e3a\u4ec0\u4e48\u91cd\u8981"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright\" src=\"https:\/\/www.internationalstudentinsurance.com\/blog\/wp-content\/uploads\/2017\/09\/ThinkstockPhotos-492096944-1.jpg\" alt=\"null\" width=\"239\" height=\"159\" \/><\/p>\n<p>\u5f53\u4f60\u8d2d\u4e70\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4f60\u4f1a\u8003\u8651\u5f88\u591a\u4e0d\u540c\u7684\u56e0\u7d20\u3002\u6bd4\u5982\uff1a\u8fd9\u4e2a\u8ba1\u5212\u8986\u76d6\u4ec0\u4e48\uff1f\u4fdd\u8d39\u662f\u591a\u5c11\uff1f\u662f\u5426\u7b26\u5408\u6211\u5b66\u6821\u7684\u8981\u6c42\uff1f\u7b49\u7b49\u3002\u4f46\u662f\u5728\u9009\u62e9\u4fdd\u9669\u8ba1\u5212\u7684\u65f6\u5019\u4f60\u53ef\u80fd\u4f1a\u5ffd\u7565\u6389\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7\uff0c\u800c\u627f\u4fdd\u5546\u662f\u6700\u7ec8\u652f\u4ed8\u7406\u8d54\u7684\u89d2\u8272\u3002\u90a3\u4e3a\u4ec0\u4e48\u90a3\u4e48\u91cd\u8981\u5462\uff1f\u7b80\u5355\u6765\u8bf4\u5c31\u662f\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7\u900f\u9732\u4e86\u4ed6\u4eec\u8d22\u653f\u5b9e\u529b\u3001\u7a33\u5b9a\u6027\u3001\u4ee5\u53ca\u507f\u8fd8\u7406\u8d54\u8d39\u7528\u7684\u80fd\u529b\u3002\u4fe1\u7528\u8bc4\u7ea7\u8d8a\u9ad8\uff0c\u4fdd\u9669\u516c\u53f8\u7684\u8d22\u52a1\u4fdd\u969c\u548c\u5b89\u5168\u6027\u5c31\u8d8a\u9ad8\u3002\u76f8\u53cd\u4fe1\u7528\u8bc4\u7ea7\u8d8a\u4f4e\uff0c\u4fdd\u9669\u516c\u53f8\u7684\u8d22\u52a1\u4fdd\u969c\u548c\u5b89\u5168\u6027\u5c31\u6bd4\u8f83\u5f31\u3002\u4e3a\u4e86\u5e2e\u52a9\u4f60\u9009\u62e9\u5408\u9002\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\uff0c\u6211\u4eec\u5c06\u4f1a\u8bb2\u89e3\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7\u3001\u5b83\u4e3a\u4ec0\u4e48\u91cd\u8981\u3001\u4e0d\u540c\u7684\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\u548c<strong><a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/?utm_source=isicnblog&amp;utm_medium=social\">\u6211\u4eecISI\u7559\u5b66\u4fdd\u9669\u8ba1\u5212<\/a><\/strong>\u7684\u4fe1\u7528\u8bc4\u7ea7\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7 &#8211; \u6709\u591a\u91cd\u8981\u5462\uff1f<\/h1>\n<p>\u7559\u5b66\u4fdd\u9669\u8fd9\u4e2a\u6982\u5ff5\u53ef\u4ee5\u5f88\u590d\u6742\uff0c\u9009\u62e9\u6700\u5408\u9002\u81ea\u5df1\u7684\u8ba1\u5212\u4e5f\u4e0d\u662f\u4e00\u4ef6\u5bb9\u6613\u7684\u4e8b\u3002\u5982\u4e0a\u6587\u6240\u8bf4\uff0c\u5f53\u4f60\u5728\u9009\u7559\u5b66\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4f60\u4f1a\u5e0c\u671b\u7559\u5b66\u4fdd\u9669\u7684\u627f\u4fdd\u5546\u662f\u62e5\u6709\u826f\u597d\u7684\u4fe1\u7528\u8bc4\u7ea7 &#8211; \u4e00\u822c\u6211\u4eec\u4f1a\u63a8\u8350\u8bc4\u7ea7 \u201cA\u201d \u6216\u4ee5\u4e0a\u7684\u3002\u5f53\u4f60\u8d2d\u4e70\u7559\u5b66\u4fdd\u9669\u5e76\u4ed8\u6b3e\u540e\uff0c\u4f60\u4e0e\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u5c06\u8fbe\u6210\u5408\u7ea6\u534f\u8bae\uff0c\u4ed6\u4eec\u4ea6\u4f1a\u652f\u4ed8\u4f60\u5408\u8d44\u683c\u7684\u7406\u8d54\u3002\u90a3\u4e48\u95ee\u9898\u6765\u4e86\uff0c\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u662f\u5426\u6709\u80fd\u529b\u652f\u6491\u8fd9\u4e2a\u534f\u8bae\uff1f\u4ed6\u4eec\u662f\u5426\u6709\u8db3\u591f\u7684\u8d22\u653f\u80fd\u529b\u6765\u652f\u4ed8\u627f\u8bfa\u7684\u7406\u8d54\u5462\uff1f\u56de\u7b54\u8fd9\u4e9b\u95ee\u9898\u7684\u6700\u4f73\u65b9\u6cd5\u5c31\u662f\u67e5\u9605\u4e0d\u540c\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\u5bf9\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u7528\u8bc4\u7ea7\u4e86\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784<\/h1>\n<p>\u5728\u5206\u6790\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u8d22\u653f\u5f3a\u5ea6\u548c\u53ef\u9760\u6027\u4e0a\uff0c\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\u8d77\u5230\u4e86\u91cd\u8981\u4f5c\u7528\u3002\u8fd9\u4e9b\u8bc4\u7ea7\u673a\u6784\u6309\u7167\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u4fe1\u8a89\u5ea6\u548c\u4ed6\u4eec\u7406\u8d54\u5ba2\u6237\u7684\u80fd\u529b\u4e0a\u4f5c\u51fa\u72ec\u7acb\u8bc4\u4ef7\u3002\u6bcf\u4e2a\u8bc4\u7ea7\u673a\u6784\u90fd\u6709\u81ea\u5df1\u7684\u8bc4\u7ea7\u673a\u5236\u548c\u6807\u51c6\u6765\u5e2e\u52a9\u5ba2\u6237(\u7559\u5b66\u751f)\u81ea\u5df1\u9009\u62e9\u6700\u5408\u9002\u7684\u4fdd\u9669\u8ba1\u5212\u3002\u6bcf\u4e2a\u8bc4\u7ea7\u673a\u6784\u5bf9\u540c\u4e00\u5bb6\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u8bc4\u7ea7\u90fd\u6709\u6240\u4e0d\u540c\uff0c\u56e0\u6b64\u5728\u9009\u62e9\u4fdd\u9669\u8ba1\u5212\u65f6\uff0c\u4e0d\u59a8\u5148\u67e5\u770b\u5404\u4e2a\u8bc4\u7ea7\u673a\u6784\u5bf9\u8ba1\u5212\u627f\u4fdd\u5546\u7684\u8bc4\u7ea7\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u76ee\u524d\u4e3b\u8981\u6709\u56db\u5bb6\u8bc4\u4ef7\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u8d22\u653f\u5b9e\u529b\u7684\u8bc4\u7ea7\u673a\u6784\uff0c\u5206\u522b\u662f &#8211; <strong><a href=\"https:\/\/www.standardandpoors.com\/en_US\/web\/guest\/home\">Standard &amp; Poor\u2019s(\u6807\u51c6\u666e\u5c14)<\/a>,\u00a0<a href=\"http:\/\/www.ambest.com\/home\/default.aspx\">A.M. Best Company(\u8d1d\u6c0f\u8bc4\u7ea7)<\/a>,\u00a0<a href=\"https:\/\/www.fitchratings.com\/site\/home\">Fitch(\u60e0\u8a89\u56fd\u9645)<\/a>, \u548c\u00a0<a href=\"https:\/\/www.moodys.com\/\">Moody\u2019s(\u7a46\u8fea)<\/a><\/strong>\u3002\u4e0a\u6587\u63d0\u5230\uff0c\u6bcf\u5bb6\u8bc4\u7ea7\u673a\u6784\u4f7f\u7528\u7684\u8bc4\u7ea7\u673a\u5236\u4e0d\u4e00\u6837\uff0c\u4f46\u5927\u4f17\u90fd\u80fd\u5728\u4ed6\u4eec\u7684\u5b98\u7f51\u4e0a\u67e5\u770b\u3002\u8bc4\u7ea7\u4e00\u822c\u90fd\u662f\u82f1\u6587\u5b57\u6bcd\u914d\u4e0a\u52a0(+)\u6216\u51cf(-)\u7684\u7b26\u53f7\u7ec4\u5408\u6765\u8868\u793a\u4e0d\u540c\u7684\u7b49\u7ea7\u3002\u4e3e\u4e2a\u4f8b\u5b50\uff0c\u6807\u51c6\u666e\u5c14\u7684\u6700\u9ad8\u7ea7\u522b\u662fAAA\uff0c\u82f1\u6587\u4ee3\u8868(Extremely Strong)\uff0c\u4f46\u8d1d\u6c0f\u8bc4\u7ea7\u7684\u6700\u9ad8\u7ea7\u522b\u662fA++ \uff0c\u82f1\u6587\u4ee3\u8868(Superior)\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u4fe1\u7528\u8bc4\u7ea7\u7684\u533a\u522b<\/h1>\n<p>\u4e0d\u540c\u7684\u4fe1\u7528\u8bc4\u7ea7\u673a\u6784\uff0c\u4fe1\u7528\u8bc4\u7ea7\u7ea7\u522b\u7684\u5e45\u5ea6\u53ef\u4ee5\u7531\u6700\u9ad8\u7684AAA+\u81f3F\u3002\u5f53\u4f60\u5728\u9009\u62e9\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u65f6\uff0c\u6211\u4eec\u4e00\u822c\u4f1a\u63a8\u8350\u9009\u62e9\u4fdd\u9669\u8ba1\u5212\u7684\u627f\u4fdd\u5546\u6709 \u201cA\u201d \u6216\u66f4\u597d\u7684\u8bc4\u7ea7\u3002 \u201cA\u201d\u7ea7\u522b\u7684\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u8bc1\u660e\u4ed6\u4eec\u8d22\u653f\u5b9e\u529b\u7a33\u5b9a\uff0c\u5e76\u4e14\u6709\u507f\u8fd8\u7406\u8d54\u8d39\u7528\u7684\u80fd\u529b\u3002 \u201cA\u201d\u7ea7\u522b\u7684\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u5728\u957f\u8fdc\u6765\u8bf4\u4ee3\u8868\u4ed6\u4eec\u7834\u4ea7\u6216\u5012\u95ed\u7684\u673a\u4f1a\u7387\u975e\u5e38\u7684\u4f4e\u3002\u56e0\u6b64\u6700\u597d\u4e0d\u8981\u9009\u627f\u4fdd\u5546\u8bc4\u7ea7\u4e3aC\u6216D\u7684\u4fdd\u9669\u8ba1\u5212\uff0c\u4ed6\u4eec\u5f88\u6709\u53ef\u80fd\u507f\u8fd8\u4e0d\u4e86\u4f60\u7684\u7406\u8d54\uff0c\u8d22\u653f\u4e5f\u975e\u5e38\u4e0d\u7a33\u5b9a\u3002\u53e6\u5916\uff0cF\u7ea7\u522b\u4ee3\u8868\u7834\u4ea7\/\u8d44\u4e0d\u62b5\u503a\uff0c\u5df2\u7ecf\u6ca1\u80fd\u529b\u507f\u8fd8\u4f60\u7684\u7406\u8d54\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>ISI\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u7684\u627f\u4fdd\u5546\u4fe1\u7528\u8bc4\u7ea7<\/h1>\n<p>\u5bfb\u627e\u6700\u5408\u9002\u81ea\u5df1\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u5df2\u7ecf\u591f\u6d6a\u8d39\u65f6\u95f4\uff0c\u56e0\u6b64\u54a8\u8be2\u4fdd\u9669\u8ba1\u5212\u7684\u627f\u4fdd\u5546\u4fe1\u7528\u8bc4\u7ea7\u53ef\u80fd\u6839\u672c\u4e0d\u4f1a\u5728\u4f60\u8003\u8651\u7684\u8303\u56f4\u4e4b\u5185\u3002\u5e78\u597d\uff0c\u6211\u4eecISI\u7559\u5b66\u4fdd\u9669\u63d0\u4f9b\u7684\u6240\u6709\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u4f7f\u7528\u7684\u90fd\u662f\u8457\u540d\u7684\u627f\u4fdd\u5546\uff0c\u5e76\u4e14\u6709\u975e\u5e38\u9ad8\u7684\u4fe1\u7528\u8bc4\u7ea7\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6211\u4eec\u7684<strong><a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/liuxue-yiliao-baoxian\/?utm_source=isicnblog&amp;utm_medium=social\">Student Secure<\/a><\/strong> \u548c <strong><a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/guoji-lvyou-yiliao-baoxian\/?utm_source=isicnblog&amp;utm_medium=social\">Atlas Travel<\/a><\/strong> \u8ba1\u5212\u7684\u627f\u4fdd\u5546\u662fLloyds of London(\u4f26\u6566\u52b3\u57c3\u5fb7)\u3002\u4ed6\u4eec\u662f\u5168\u7403\u5386\u53f2\u6700\u4e45\u7684\u4fdd\u9669\u5e02\u573a\uff0c\u5728\u5404\u4e2a\u4fdd\u9669\u9886\u57df\u6709350\u5e74\u7684\u7ecf\u9a8c\u3002\u4ed6\u4eec\u88abA.M Best\u8d1d\u6c0f\u8bc4\u7ea7\u4e3a \u201cA\u201d (Excellent)\uff0c\u4ee5\u53ca\u88abStandard and Poor\u2019s\u6807\u51c6\u666e\u5c14\u8bc4\u7ea7\u4e3a \u201cA+\u201d (Strong)\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u6211\u4eec\u53e6\u4e00\u6b3e\u4fdd\u9669\u8ba1\u5212\uff0c<strong><a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/student-health-advantage\/?utm_source=isicnblog&amp;utm_medium=social\">Student Health Advantage<\/a> <\/strong>\u548c <strong><a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/patriot-travel\/?utm_source=isicnblog&amp;utm_medium=social\">Patriot Travel<\/a><\/strong> \u8ba1\u5212\u7684\u627f\u4fdd\u5546\u662fSirius International(\u601d\u8bfa)\u3002\u4ed6\u4eec\u5728\u610f\u5916\u4e0e\u5065\u5eb7\u4fdd\u9669\u9886\u57df\u62e5\u6709\u9886\u5148\u7684\u5730\u4f4d\uff0c\u88abA.M Best\u8d1d\u6c0f\u8bc4\u7ea7\u4e3a \u201cA\u201d (Excellent)\uff0c\u4ee5\u53ca\u88abStandard and Poor\u2019s\u6807\u51c6\u666e\u5c14\u8bc4\u7ea7\u4e3a \u201cA-\u201d (Strong)\u3002<\/p>\n<p>&nbsp;<\/p>\n<p>\u4e86\u89e3\u6e05\u695a\u4fdd\u9669\u8ba1\u5212\u7684\u627f\u4fdd\u5546\u4fe1\u7528\u8bc4\u7ea7\u662f\u9009\u7559\u5b66\u4fdd\u9669\u65f6\u5e94\u9700\u8981\u6ce8\u610f\u7684\u4e8b\u9879\u3002\u6709\u4e9b\u7b7e\u8bc1\uff0c\u5982<a href=\"https:\/\/www.internationalstudentinsurance.com\/cn\/j1qianzheng\/j1qianzheng-yiliao-baoxian-yaoqiu.php?utm_source=isicnblog&amp;utm_medium=social\">\u7f8e\u56fdJ1\u7b7e\u8bc1\u548cJ2\u7b7e\u8bc1<\/a>\uff0c\u9700\u8981\u4f60\u7684\u4fdd\u9669\u8ba1\u5212\u627f\u4fdd\u5546\u8fbe\u5230\u67d0\u4e2a\u4fe1\u7528\u8bc4\u7ea7\u6c34\u5e73\u3002\u5e02\u9762\u4e0a\u6709\u8bb8\u591a\u4e0d\u540c\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\uff0c\u5728\u505a\u7814\u7a76\u4e70\u54ea\u4e2a\u8ba1\u5212\u7684\u65f6\u5019\uff0c\u6700\u597d\u95ee\u6e05\u695a\u81ea\u5df1\u4e0d\u4e86\u89e3\u7684\u5730\u65b9\uff0c\u8fd9\u6837\u4f60\u624d\u80fd\u627e\u5230\u4e00\u6b3e\u6700\u9002\u5408\u81ea\u5df1\u548c\u7b26\u5408\u5b66\u6821\/\u7b7e\u8bc1\u8981\u6c42\u7684\u7559\u5b66\u4fdd\u9669\u8ba1\u5212\u3002<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u5f53\u4f60\u8d2d\u4e70\u7f8e\u56fd\u7559\u5b66\u4fdd\u9669\u7684\u65f6\u5019\uff0c\u4f60\u4f1a\u8003\u8651\u5f88\u591a\u4e0d\u540c\u7684\u56e0\u7d20\u3002\u6bd4\u5982\uff1a\u8fd9\u4e2a\u8ba1\u5212\u8986\u76d6\u4ec0\u4e48\uff1f\u4fdd\u8d39\u662f\u591a\u5c11\uff1f\u662f\u5426\u7b26\u5408\u6211\u5b66\u6821\u7684\u8981\u6c42\uff1f [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,10],"tags":[35,97,30,98,96,55,64,39,99],"class_list":["post-396","post","type-post","status-publish","format-standard","hentry","category-8","category-10","tag-isi","tag-97","tag-30","tag-98","tag-96","tag-55","tag-64","tag-39","tag-99"],"_links":{"self":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/396","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/comments?post=396"}],"version-history":[{"count":6,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/396\/revisions"}],"predecessor-version":[{"id":402,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/posts\/396\/revisions\/402"}],"wp:attachment":[{"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/media?parent=396"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/categories?post=396"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.internationalstudentinsurance.com\/cn\/blog\/wp-json\/wp\/v2\/tags?post=396"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}