什么是夫妻相互投保？为什么有的夫妻相互给对方买保险？

保险杨家将

夫妻相互投保就是夫妻互相做投保人，让对方做被保人，购买2份同样险种的保险。

相互投保主要有2个优势：

利用投保人豁免条款。在缴费期内，如果一方发生理赔，则夫妻的2份保险都不用继续交保费了，但保单继续有效。一般出现在重疾险上。
增强保额。如果夫妻双方同时理赔，赔偿款会比夫妻单独买保险更高。一般出现在寿险上。

以上简要回答。

如有疑问，请评论或私信，我会及时回复。

$中国平安(02318)$

$中国人寿(02628)$

$中国太保(02601)$

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精彩评论

纯天然绿色学渣
2021-08-09
纯天然绿色学渣
那离婚了怎么办
- 保险杨家将:
  这个问题很好，敬请关注我明天的专栏文章[得意]
东营天地人和
2021-08-09
东营天地人和
原来保险还有真么多门道，学习了
- 保险杨家将:
  共同进步[开心]

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href=\"https://laohu8.com/S/02628\">$中国人寿(02628)$</a>&nbsp;</p><p><a target=\"_blank\" href=\"https://laohu8.com/S/02601\">$中国太保(02601)$</a>&nbsp;</p></body></html>","htmlText":"<html><head></head><body><p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/81e513a584ea10fd3e91bcb1176eac5c\" tg-width=\"688\" tg-height=\"413\"></p><p>夫妻相互投保就是夫妻互相做投保人，让对方做被保人，购买2份同样险种的保险。</p><p>相互投保主要有2个优势：</p><ol>\n <li>利用<strong>投保人豁免条款</strong>。在缴费期内，如果一方发生理赔，则夫妻的2份保险都<strong>不用继续交保费</strong>了，<strong>但保单继续有效</strong>。一般出现在重疾险上。</li>\n <li><strong>增强保额</strong>。如果夫妻双方同时理赔，赔偿款会比夫妻单独买保险更高。一般出现在寿险上。</li>\n</ol><p>以上简要回答。</p><p>如有疑问，请评论或私信，我会及时回复。</p><p><a target=\"_blank\" href=\"https://laohu8.com/S/02318\">$中国平安(02318)$</a>&nbsp;</p><p><a target=\"_blank\" href=\"https://laohu8.com/S/02628\">$中国人寿(02628)$</a>&nbsp;</p><p><a target=\"_blank\" href=\"https://laohu8.com/S/02601\">$中国太保(02601)$</a>&nbsp;</p></body></html>","text":"夫妻相互投保就是夫妻互相做投保人，让对方做被保人，购买2份同样险种的保险。 相互投保主要有2个优势： 利用投保人豁免条款。在缴费期内，如果一方发生理赔，则夫妻的2份保险都不用继续交保费了，但保单继续有效。一般出现在重疾险上。 增强保额。如果夫妻双方同时理赔，赔偿款会比夫妻单独买保险更高。一般出现在寿险上。 以上简要回答。 如有疑问，请评论或私信，我会及时回复。 $中国平安(02318)$ $中国人寿(02628)$ 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