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丧失职业能力险 - 德国理财网

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丧失职业能力

每一个工作人士都需要考虑到丧失职业能力的风险。统计资料显示,每四个工作人士中就会有一个,在还没达到退休年龄之前就丧失了职业能力。这些人中大部分都没有购买丧失职业能力险,一旦遇到这种突发的意外,立即就会陷入财务状况的窘境。在工作人士丧失职业能力后,国家会提供一定的丧失工作能力的保险,但是数额是远远不够生活所需的,所以只有通过购买丧失职业能力险才能够真正规避丧失职业能力带来的风险。

造成丧失职业能力的原因多种多样,不能尽述。一份优异的丧失职业能力险能够对投保人进行立即赔付,一旦投保人在预计至少6个月的时间内,丧失至少50%的职业能力。

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