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保单复效对投保人是否划算保单复效如实告知非常重要保单复效后出险如何来理赔对于寿险保单,一般缴费期都会相当的长,5年、10年,甚至20、30年之久,在如此漫长的期间内,可能就会有不少的投保人因自身的原因让自己的保费未能得到及时的续缴,从而造成投保人已经续缴了很多年的保单在瞬间失效。出现这样的情况,投保人其实是有机会弥补的,即可以在有效期内申请复效。所谓保单复效,就是在保险合同中止两年期限内,投保人和保险公司对恢复保险合同进行协商并且达成一致协议,让保单继续生效的行为。
If the insurance policy is valid for the policyholder, it is important to inform the insurance company of how to pay the insurance policy. For the life insurance policy, the general payment period will be quite long, five years, ten years and even twenty or thirty years. During such a long period of time, there may be many policyholders who, for their own reasons, may refuse to pay their premiums promptly, resulting in the failure of the policyholder who has already returned many years of insurance policy in an instant. In such a situation, the applicant actually has a chance to make up for the fact that he can apply for an extension of validity within the validity period. The so-called policy recovery, that is, within the two-year suspension of insurance contracts, insurance policyholders and insurance companies to resume the insurance contract and reach a consensus agreement for the policy to continue to take effect.