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　　三九養(yǎng)生堂記者 鄧肯·蓋伊 報(bào)道

精彩|　　既??(ji)然??(ran)如??(ru)此??(ci)??，代??(dai)金??(jin)券??(quan)、折??(zhe)扣??(kou)券??(quan)、消??(xiao)費(fèi)??(fei)券??(quan)等??(deng)各??(ge)種??(zhong)優(yōu)??(you)惠??(hui)券??(quan)本??(ben)身??(shen)是??(shi)否??(fou)具??(ju)有??(you)保?(bao)險(xiǎn)??(xian)金??(jin)性??(xing)質(zhì)??(zhi)？??“嚴(yán)??(yan)格??(ge)來??(lai)說??(shuo)??，優(yōu)??(you)惠??(hui)券?(quan)不??(bu)能??(neng)算??(suan)是?(shi)保??(bao)險(xiǎn)?(xian)金?(jin)??，除??(chu)非?(fei)投??(tou)保??(bao)人??(ren)提?(ti)前??(qian)明??(ming)知??(zhi)并??(bing)且??(qie)同??(tong)意??(yi)投??(tou)保??(bao)??。??”趙??(zhao)占??(zhan)領(lǐng)??(ling)指??(zhi)出??(chu)??，在??(zai)符??(fu)合??(he)保??(bao)險(xiǎn)??(xian)理??(li)賠?(pei)的?(de)條??(tiao)件??(jian)下??(xia)??，保??(bao)險(xiǎn)??(xian)人??(ren)應(yīng)??(ying)當(dāng)??(dang)根??(gen)據(jù)??(ju)保?(bao)險(xiǎn)?(xian)合??(he)同??(tong)和??(he)法??(fa)律??(lv)規(guī)??(gui)定?(ding)履?(lv)行??(xing)賠??(pei)付??(fu)義??(yi)務(wù)??(wu)??，而??(er)這??(zhe)種??(zhong)義??(yi)務(wù)??(wu)的?(de)履??(lv)行??(xing)應(yīng)??(ying)當(dāng)??(dang)是??(shi)以??(yi)現(xiàn)??(xian)金??(jin)的??(de)方??(fang)式??(shi)??。　　劉??(liu)俊??(jun)海??(hai)認(rèn)??(ren)為??(wei)在??(zai)航??(hang)延??(yan)險(xiǎn)??(xian)產(chǎn)??(chan)品??(pin)的??(de)銷??(xiao)售??(shou)環(huán)??(huan)節(jié)??(jie)??，一??(yi)定??(ding)要??(yao)尊??(zun)重??(zhong)消??(xiao)費(fèi)??(fei)者?(zhe)的??(de)知?(zhi)情??(qing)權(quán)??(quan)??，“特??(te)別??(bie)是??(shi)對(duì)??(dui)看??(kan)不??(bu)明??(ming)白??(bai)、不??(bu)了??(le)解??(jie)保??(bao)險(xiǎn)??(xian)業(yè)??(ye)務(wù)?(wu)的??(de)消??(xiao)費(fèi)??(fei)者??(zhe)??，保?(bao)險(xiǎn)?(xian)代?(dai)理??(li)平??(ping)臺(tái)??(tai)要??(yao)主?(zhu)動(dòng)??(dong)履??(lv)行??(xing)信??(xin)息??(xi)披?(pi)露??(lu)義??(yi)務(wù)??(wu)??，提??(ti)前?(qian)把??(ba)核??(he)心??(xin)條??(tiao)款??(kuan)以??(yi)顯??(xian)著??(zhu)方??(fang)式??(shi)提??(ti)醒??(xing)并??(bing)逐?(zhu)一??(yi)作??(zuo)出??(chu)解??(jie)釋??(shi)??，從??(cong)而??(er)提??(ti)高??(gao)消??(xiao)費(fèi)?(fei)者??(zhe)對(duì)??(dui)于??(yu)保??(bao)險(xiǎn)??(xian)產(chǎn)??(chan)品?(pin)的??(de)認(rèn)??(ren)知??(zhi)??。??”

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