What is the meaning of exemption from critical illness insurance? Is it good to buy critical illness insurance with exemption or without exemption? What is the meaning of exemption from critical illness insurance? Virtual currency exchange platform digital currency exemption is to exempt the premium. If the insured or the insured has an agreed situation during the insurance payment period, they can be exempted from paying the residual premium with the consent of the insurance company. The exemption responsibility can be divided into the insured's exemption, including the insured's virtual currency exchange platform digital currency virtual currency exchange platform digital currency virtual currency exchange platform digital currency. Home News Express Blockchain Blockchain Encyclopedia Home Encyclopedia What does it mean to buy critical illness insurance with exemption or without exemption? What does it mean to buy critical illness insurance with exemption? 比特币今日价格行情网_okx交易所app_永续合约_比特币怎么买卖交易_虚拟币交易所平台

豁免就是免去保费，如果被保险人或投保人在保险交费期间内发生约定的情况，经过保险公司同意后，可免交剩余保费。豁免责任可以分为投保人豁免，其中被保险人豁免一般有轻症、中症、重疾豁免，投保人豁免一般包含重疾、中症、轻症、身故、全残豁免。不同产品的豁免责任会有所不同。

轻症豁免：即被保险人或投保人在交费期间内发生约定轻症，可免交剩余保费。

重疾豁免：若是被保险人重疾豁免的话，一般出现在多次赔付重疾险产品。

买重疾险有豁免好还是无豁免好？

市面上的主流重疾险产品一般是自带被保险豁免责任的，投保人豁免就需要投保人自己选择是否附加，附加豁免责任肯定是会增加保费的。至于是有豁免好还是无豁免好，关键还是根据自身的保障需求来看。如果是以下两种情况下话，建议可以考虑附加：

1、给孩子投保

给孩子买重疾险附加投保人豁免，万一投保人发生事故，没人交保费会导致保单失效，若有豁免责任的话，可免交剩余保费，保障依旧有效。

2、夫妻互保

如果是夫妻互相给对方买重疾险，同时附加被保险人豁免和投保人豁免，只要夫妻中有一方出险，双方都能获得豁免。

关于有豁免好还是无豁免好的问题就讲到这里了，希望上述内容对你有所帮助。

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