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“喝高险”“熊孩子险”“手机碎屏险”,另类保险靠谱吗?

来源: 南方日报网络版     时间: 2019年08月23日 04:01:07
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(原)(标)(题)(:“喝)(高)(险)(”“熊)(孩)(子)(险)(”“手)(机)(碎)(屏)(险)(”,另)(类)(保)(险)(靠)(谱)(吗)(?
怕)(“熊)(孩)(子)(”弄)(坏)(商)(场)(物)(品)(、怕)(手)(机)(屏)(幕)(不)(小)(心)(摔)(碎)(?也)(许)(保)(险)(公)(司)(早)(就)(替)(你)(想)(到)(了)(解)(决)(办)(法)(。如)(今)(,诸)(如)(“喝)(高)(险)(”“熊)(孩)(子)(险)(”“手)(机)(碎)(屏)(险)(”等)(新)(奇)(互)(联)(网)(保)(险)(产)(品)(吸)(引)(着)(越)(来)(越)(多)(消)(费)(者)(的)(眼)(球)(。这)(些)(新)(型)(保)(险)(到)(底)(靠)(不)(靠)(谱)(?保)(险)(公)(司)(是)(如)(何)(设)(计)(出)(这)(些)(产)(品)(的)(?选)(购)(互)(联)(网)(保)(险)(时)(又)(要)(注)(意)(些)(什)(么)(?
你)(还)(在)(担)(心)(“熊)(孩)(子)(”弄)(坏)(商)(场)(物)(品)(吗)(、你)(还)(在)(害)(怕)(手)(机)(屏)(幕)(不)(小)(心)(摔)(碎)(吗)(?交)(出)(一)(笔)(小)(钱)(,收)(起)(你)(的)(小)(心)(!保)(险)(公)(司)(总)(是)(能)(想)(到)(为)(你)(排)(忧)(解)(难)(的)(方)(法)(。
如)(今)(,诸)(如)(“喝)(高)(险)(”“熊)(孩)(子)(险)(”“手)(机)(碎)(屏)(险)(”等)(新)(奇)(互)(联)(网)(保)(险)(产)(品)(吸)(引)(着)(越)(来)(越)(多)(消)(费)(者)(的)(眼)(球)(。至)(于)(这)(些)(新)(型)(保)(险)(到)(底)(靠)(不)(靠)(谱)(?保)(险)(公)(司)(是)(如)(何)(设)(计)(出)(这)(些)(产)(品)(的)(?选)(购)(互)(联)(网)(保)(险)(时)(又)(要)(注)(意)(些)(什)(么)(?就)(是)(摆)(在)(大)(众)(面)(前)(的)(问)(题)(。
一)(个)(很)(奇)(怪)(的)(现)(象)(是)(在)(这)(些)(事)(件)(的)(保)(险)(定)(价)(是)(很)(便)(宜)(的)(,但)(这)(背)(后)(的)(风)(险)(以)(我)(们)(的)(日)(常)(认)(知)(来)(看)(是)(很)(大)(的)(,因)(此)(不)(免)(让)(我)(们)(对)(这)(类)(保)(险)(的)(安)(全)(可)(靠)(性)(产)(生)(疑)(问)(,我)(们)(以)(万)(能)(的)(淘)(宝)(为)(例)(,随)(便)(一)(搜)(各)(种)(保)(险)(就)(应)(入)(眼)(帘)(,因)(为)(价)(格)(较)(低)(,消)(费)(者)(在)(选)(购)(的)(同)(时)(并)(不)(会)(很)(在)(意)(其)(内)(容)(细)(节)(,因)(此)(真)(正)(在)(赔)(付)(时)(会)(出)(现)(很)(多)(的)(不)(便)(。我)(随)(便)(找)(了)(一)(个)(碎)(屏)(险)(为)(例)(,价)(值)(50元)(保)(一)(年)(,来)(看)(他)(的)(条)(款)(:第)(一)(条)(就)(明)(确)(了)(其)(因)(非)(主)(观)(故)(意)(的)(意)(外)(事)(故)(导)(致)(屏)(幕)(因)(外)(力)(破)(损)(无)(法)(正)(常)(使)(用)(。由)(于)(换)(屏)(费)(用)(的)(高)(昂)(使)(得)(保)(险)(公)(司)(条)(款)(中)(明)(确)(表)(明)(换)(的)(是)(同)(质)(屏)(而)(非)(原)(厂)(屏)(,因)(此)(,假)(若)(不)(考)(虑)(保)(险)(公)(司)(审)(查)(设)(障)(,其)(也)(在)(成)(本)(收)(益)(的)(较)(量)(上)(占)(据)(了)(上)(风)(。
当)(然)(,也)(不)(是)(所)(有)(的)(产)(品)(都)(是)(不)(靠)(谱)(的)(,大)(型)(的)(保)(险)(公)(司)(同)(样)(也)(有)(推)(出)(这)(类)(保)(险)(,像)(中)(国)(平)(安)(,也)(同)(样)(推)(出)(碎)(屏)(险)(,我)(们)(有)(理)(由)(相)(信)(在)(精)(算)(师)(的)(精)(确)(测)(量)(下)(,平)(安)(在)(定)(价)(上)(会)(更)(加)(合)(理)(,我)(们)(同)(样)(看)(了)(他)(的)(产)(品)(,将)(标)(的)(分)(为)(苹)(果)(6-8,苹)(果)(X,苹)(果)(X官)(修)(,分)(别)(定)(价)(87,189,379这)(么)(一)(来)(,保)(险)(通)(过)(计)(算)(在)(险)(资)(产)(,风)(险)(概)(率)(等)(指)(标)(确)(定)(了)(一)(个)(能)(够)(大)(赚)(的)(价)(格)(。
说)(了)(这)(么)(多)(,互)(联)(网)(保)(险)(在)(选)(购)(的)(时)(候)(也)(要)(像)(买)(产)(险)(寿)(险)(一)(样)(关)(注)(条)(款)(内)(容)(,买)(需)(要)(而)(不)(要)(买)(新)(奇)(。返)(回)(搜)(狐)(,查)(看)(更)(多)(
责)(任)(编)(辑)(:
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