[23845] in Zephyr_Bugs
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daemon@ATHENA.MIT.EDU (=?GB2312?B?0KGzwg==?=)
Sat Jul 9 13:20:00 2005
Message-Id: <200507091719.j69HJosv004676@fort-point-station.mit.edu>
From: =?GB2312?B?0KGzwg==?= <cyl@gdaia.com>
To: zephyr-bugs@mit.edu
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Date: Sun, 10 Jul 2005 01:19:59 +0800
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<title>新建网页 1</title>
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<p><font face="Times New Roman" style="font-size: 11pt">您好！</font></p>
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<p><strong>买保险宜“男士优先” </strong></p>
<p>
“买保险最好男士优先”，保险公司表示。保险专家称，男性多半是家庭经济支柱。在家庭保险规划中，比较科学的方法是首先对家庭经济支柱进行保障，这样才能最有效地抵御疾病、意外等风险对家庭造成的冲击。因此，男性为自己买保险，在某种程度上来说是对自己挣钱能力的保障，是对家庭责任的承担。
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<p>
不仅如此，“男性相对于女性和少儿更应该注重保障是因为男性的寿命平均要比女性短。一旦丈夫早于妻子过世，保险就能够保证妻儿的经济状况不致受到太大影响”，保险公司表示。
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<p>
翻阅所有的寿险保单费率表，记者发现，几乎所有的险种男性所要交的保费都略高于女性。对此，某人寿理赔部经理表示，按照寿险生命表（俗称的死亡率表），目前男女的寿命差距越来越大，男性预期寿命要比女性短6年。对于这种情况，这主要是由于男性普遍有着不良生活习惯，如抽烟、酗酒、熬夜等，而且男性的精神压力和意外事故发生率都远远高于女性，在许多英年早逝的中年知识分子中，首当其冲的是男性。
</p>
<p><strong>男性如何投保 </strong></p>
<p>
那么男性应该怎样为自己和家人投保呢？保险公司的理赔资料显示，目前重大疾病保险的理赔案中，50%以上的发病率在40-45岁之间。业内人士建议，男性投保应首先考虑购买含重大疾病的保障型险种，并附以较高比例的意外险和医疗险。据了解，目前各家保险公司都推出了专门针对男性的疾病保险。这类保险一般可保障27种重大疾病。
</p>
<p>
在对自身做足“基本保障”后，专家建议，接下来可以考虑给孩子购买少儿险，为孩子将来的教育基金进行提前规划。父母双方在经济允许的情况下还可投保一定的养老险，为自己的晚年生活早作打算，也可以将投资分红类险种纳入理财计划的一部分。但是，在做家庭理财的时候应该考虑提高资金的安全性，也就是避免出现投资失败而引起财务危机。
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<p><font face="Times New Roman" style="font-size: 11pt"><b>广州友邦保险公司热销险种（可买多份）:</b></font></p>
<table x:str border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 712px">
<colgroup>
<col width="85" style="width: 64pt"><col width="72" style="width:54pt">
<col width="109" style="width: 82pt">
<col width="159" span="2" style="width: 119pt">
<col width="78" style="width: 59pt">
<col width="0" style="display: none">
</colgroup>
<tr height="28" style="height: 21.0pt">
<td colspan="7" height="28" style="height: 21.0pt; width: 710px; font-size: 11.0pt; font-weight: 700; font-family: 华文中宋; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-style: normal; text-decoration: none; border-left: medium none; border-right: medium none; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">一、友邦意外医疗综合保险</font></td>
</tr>
<tr height="26" style="height: 19.5pt">
<td rowspan="2" height="52" style="height: 39.0pt; width: 108px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: .5pt solid windowtext; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">1、身故残疾</font></td>
<td style="font-size: 11.0pt; vertical-align: middle; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; white-space: nowrap; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="186" colspan="2">
<font face="Times New Roman">身故、残疾、烧伤 </font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">10万</font></td>
<td colspan="3" rowspan="10" style="width: 231px; font-size: 11.0pt; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: .5pt solid windowtext; border-right: .5pt solid black; border-top: .5pt solid windowtext; border-bottom: .5pt solid black; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">每次的费用在保额之内100%报销，1年内不限发生次数，亦无地域限制。</font></td>
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<tr height="26" style="height: 19.5pt">
<td colspan="2" height="26" style="height: 19.5pt; width: 186px; font-size: 11.0pt; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; text-align: general; border-left: medium none; border-right: .5pt solid black; border-top: .5pt solid windowtext; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">特定意外造成</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">20万</font></td>
</tr>
<tr height="20" style="height: 15.0pt">
<td rowspan="6" style="height: 149px; width: 108px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: .5pt solid windowtext; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">2、医疗报销</font></td>
<td rowspan="3" style="width: 54px; font-size: 11.0pt; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: .5pt solid windowtext; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">意外</font></td>
<td style="width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">意外门诊</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">15,000/次</font></td>
</tr>
<tr height="20" style="height:15.0pt">
<td height="20" style="height: 15.0pt; width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">意外住院</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">20,000/次</font></td>
</tr>
<tr height="36" style="height:27.0pt">
<td style="height: 23px; width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">住院＋手术</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="23">
<font face="Times New Roman">25,000/次</font></td>
</tr>
<tr height="36" style="height:27.0pt">
<td rowspan="3" style="height: 86px; width: 54px; font-size: 11.0pt; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: .5pt solid windowtext; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">疾病</font></td>
<td style="width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="27">
<font face="Times New Roman">门诊手术费</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="27">
<font face="Times New Roman">5,000/次</font></td>
</tr>
<tr height="20" style="height:15.0pt">
<td style="height: 29px; width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">住院费用</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="29">
<font face="Times New Roman">5,000/次</font></td>
</tr>
<tr height="36" style="height:27.0pt">
<td style="height: 30px; width: 128px; font-size: 11.0pt; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">住院＋手术</font></td>
<td style="width: 175px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="30">
<font face="Times New Roman">10,000/次</font></td>
</tr>
<tr height="27" style="height: 20.25pt">
<td rowspan="2" style="height: 57px; width: 108px; font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border-left: .5pt solid windowtext; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">3、住院津贴</font></td>
<td colspan="2" style="font-size: 11.0pt; text-align: center; vertical-align: middle; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; white-space: nowrap; border-left: medium none; border-right: .5pt solid windowtext; border-top: .5pt solid windowtext; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" height="28">
<font face="Times New Roman">普通病房</font></td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; white-space: nowrap; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="175" height="27">
<font face="Times New Roman">50/天</font></td>
</tr>
<tr height="27" style="height: 20.25pt">
<td colspan="2" style="height: 31px; font-size: 11.0pt; text-align: center; vertical-align: middle; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; font-family: 宋体; white-space: nowrap; border-left: medium none; border-right: .5pt solid windowtext; border-top: .5pt solid windowtext; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">重症监护病房</font></td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; text-align: center; vertical-align: middle; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; white-space: nowrap; border-left: medium none; border-right: .5pt solid windowtext; border-top: medium none; border-bottom: .5pt solid windowtext; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="175" height="30">
<font face="Times New Roman">100/天</font></td>
</tr>
<tr height="52" style="height: 39.0pt">
<td colspan="7" style="height: 75px; width: 710px; font-size: 11.0pt; font-family: 华文中宋; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">
<b>二、守御神重大疾病保险（到期返还）：</b></font><p><font face="Times New Roman">
患合同规定的27种重大疾病，一经诊断，一次性赔付10万；因被保险人发生残废或被首次诊断患有合同约定的重大疾病，豁免以后的保费</font></td>
</tr>
<tr height="23" style="height: 17.25pt">
<td colspan="7" style="height: 16px; width: 710px; font-size: 11.0pt; font-weight: 700; font-family: 华文中宋; text-align: left; vertical-align: middle; white-space: normal; color: windowtext; font-style: normal; text-decoration: none; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">三、养老保险：</font></td>
</tr>
<tr height="20" style="height:15.0pt">
<td height="20" colspan="3" style="height: 15.0pt; font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">1、分红型（回报高达3.2%）</font></td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="176"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="119"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="79"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="30"> </td>
</tr>
<tr height="20" style="height:15.0pt">
<td height="20" colspan="2" style="height: 15.0pt; font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px">
<font face="Times New Roman">2、非分红型</font></td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="129"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="176"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="119"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="79"> </td>
<td style="font-size: 11.0pt; font-family: 'Times New Roman', serif; color: windowtext; font-weight: 400; font-style: normal; text-decoration: none; text-align: general; vertical-align: bottom; white-space: nowrap; border: medium none; padding-left: 1px; padding-right: 1px; padding-top: 1px" width="30"> </td>
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<p> </p>
<p><font face="Times New Roman" style="font-size: 11pt">
欢迎来电或e-mail咨询相关保险事宜,如有意从事保险事业的伙伴也欢迎来电!!!</font></p>
<p><font face="Times New Roman" style="font-size: 11pt">详情请电:137 2989 9480</font></p>
<p><font face="Times New Roman" style="font-size: 11pt">联系人： 陈小姐(仅限广州地区)
回复请点击右边地址：<a href="mailto:cyl09@163.com">mailto:cyl09@163.com</a></font></p>
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<p><font face="Times New Roman" style="font-size: 11pt">谢谢!!!</font></p>
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