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误区一:“保费豁免”是免费午餐“保费豁免”并不是保险公司施赠的免费午餐。不管是以附加险形式出现,还是直接出现在主保险的合同条款中,投保人都要为这一额外保险支付保费,一般会在总保费的基础上增加5%到10%。误区二:所有伤残都符合豁免条件一般豁免条件有三种,即全残、身故以及重疾。在少儿险中,因投保人全残而保费豁免的情况就经常出现。但要注意,
Misunderstanding 1: “premium exemption ” is a free lunch “premium exemption ” is not a free lunch donated by insurance companies. Whether appearing as an add-on or directly appearing in the terms of the main insurance contract, the policyholder pays the premium for this extra insurance, typically 5% to 10% of the total premium. Myth # 2: All Disabilities Are in Respect of Exemptions There are three general exemptions, namely, total disability, death and severe illness. In the case of children’s insurance, the exemption of premiums due to the insured person’s total disability often appears. But note,