前 言
模塊 1 宜未雨而綢繆，毋臨渴而掘井— —人身保險認(rèn)知
情境 1人身保險值得你熱愛 ——保險從業(yè)準(zhǔn)備 ...............................................................................2

子情境 1 人身保險基本認(rèn)知 .......................................................................................................................3
子情境 2 人身保險功能、種類認(rèn)知 .........................................................................................................15
子情境 3 人身保險發(fā)展歷史認(rèn)知 .............................................................................................................21
小結(jié)..............................................................................................................................................................28
復(fù)習(xí)思考題 ..................................................................................................................................................28
挑戰(zhàn)自我— —實踐訓(xùn)練...............................................................................................................................29
技能大比武 ..................................................................................................................................................30

情境 2生活前進(jìn)的助推器 ——人身保險合同業(yè)務(wù)處理 ...............................................................31

子情境 1 人身保險合同基本認(rèn)知 .............................................................................................................32
子情境 2 人身保險合同要素認(rèn)知 .............................................................................................................37
子情境 3 人身保險合同條款認(rèn)知 .............................................................................................................42
子情境 4 人身保險合同的訂立、生效與變更 ..........................................................................................50
子情境 5 人身保險合同的履行與終止 .....................................................................................................54
子情境 6 人身保險合同的解釋與爭議處理 .............................................................................................57
小結(jié)..............................................................................................................................................................61
復(fù)習(xí)思考題 ..................................................................................................................................................61
挑戰(zhàn)自我— —實踐訓(xùn)練...............................................................................................................................62
技能大比武 ..................................................................................................................................................67

模塊 2 讓您高枕無憂，與您共渡難關(guān)— —人身保險產(chǎn)品
情境 3愿您一生平安 ——人壽保險產(chǎn)品 ..........................................................................................70

子情境 1 人壽保險基本認(rèn)知 .....................................................................................................................71
子情境 2 普通人壽保險 ............................................................................................................................75
子情境 3 年金保險 ....................................................................................................................................81
子情境 4 特種人壽保險 ............................................................................................................................88
子情境 5 創(chuàng)新型人壽保險 ........................................................................................................................92
小結(jié)............................................................................................................................................................101
復(fù)習(xí)思考題 ................................................................................................................................................101
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................102
技能大比武 ................................................................................................................................................103

情境 4苦難之后的真情慰藉 ——人身意外傷害保險產(chǎn)品 .........................................................104

子情境 1 人身意外傷害保險基本認(rèn)知 ...................................................................................................105

目錄

子情境 2 人身意外傷害保險操作實務(wù) ...................................................................................................116
小結(jié)............................................................................................................................................................125
復(fù)習(xí)思考題 ................................................................................................................................................126
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................126
技能大比武 ................................................................................................................................................127

情境 5為冬天準(zhǔn)備足夠的糧食 ——健康保險產(chǎn)品 ......................................................................128
子情境 1 健康保險基本認(rèn)知 ...................................................................................................................129
子情境 2 醫(yī)療保險 ..................................................................................................................................141
子情境 3 失能收入損失保險 ...................................................................................................................147
子情境 4 其他健康保險 ..........................................................................................................................151
小結(jié)............................................................................................................................................................164
復(fù)習(xí)思考題 ................................................................................................................................................164
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................165
技能大比武 ................................................................................................................................................165

情境 6播撒愛的種子 ——團(tuán)體人身保險產(chǎn)品 ...............................................................................166
子情境 1 團(tuán)體人身保險基本認(rèn)知 ...........................................................................................................167
子情境 2 團(tuán)體人身保險險種介紹 ...........................................................................................................174
小結(jié)............................................................................................................................................................181
復(fù)習(xí)思考題 ................................................................................................................................................181
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................182
技能大比武 ................................................................................................................................................182

模塊 3 特別的愛給特別的你— —人身保險業(yè)務(wù)
情境 7好東西要大家一起分享 ——人身保險營銷 ......................................................................184
子情境 1 人身保險營銷認(rèn)知 ...................................................................................................................185
子情境 2 人身保險營銷技巧 ...................................................................................................................197
子情境 3 人身保險客戶服務(wù) ...................................................................................................................210
小結(jié)............................................................................................................................................................216
復(fù)習(xí)思考題 ................................................................................................................................................216
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................217
技能大比武 ................................................................................................................................................218

情境 8相信我，不會錯 ——人身保險承保與理賠 ......................................................................219
子情境 1 人身保險承保 ..........................................................................................................................220
子情境 2 人身保險核保 ..........................................................................................................................222
子情境 3 人身保險理賠 ..........................................................................................................................232
小結(jié)............................................................................................................................................................245
復(fù)習(xí)思考題 ................................................................................................................................................246
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................246
技能大比武 ................................................................................................................................................247


人身保險 第3版
情境 9保障、避稅、養(yǎng)老、理財全接觸 ——個人人身保險規(guī)劃 ...........................................248

子情境 1 人身保險規(guī)劃基本認(rèn)知 ...........................................................................................................249
子情境 2 人身保險購買實例 ...................................................................................................................253
小結(jié)............................................................................................................................................................260
復(fù)習(xí)思考題 ................................................................................................................................................260
挑戰(zhàn)自我— —實踐訓(xùn)練.............................................................................................................................261
技能大比武 ................................................................................................................................................261

參考文獻(xiàn) ......................................................................................................................................................262