保险不保险
邱小夏这是一档由保险从业者主理的科普类播客。开设这个播客的初衷主要是发现公众号，视频号都是一些比较碎片的知识，甚至很多是纯粹吸引眼球。我们希望跟来自各行各业的同事或者朋友的谈话中，让大家看到当代保险人真实的从业经历，保险公司的故事，理赔的故事等等。这些应该是一个个鲜活生动的故事，而不仅仅是网上看到简单产品对比。让我们用专业陪伴你，做你身边最专业的保险播客。
| Publishes | Twice monthly | Episodes | 56 | Founded | a year ago |
|---|---|---|---|---|---|
| Language |  ZH-CN | Number of Listeners | Category | Society & Culture |
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Latest Episodes
近期上海两位独居女士，接连突发意外，因无近亲属而导致手术无人签字、保险无法启动、后事无法处理，遗产无人继承。这引发了广泛的社会讨论：当“原子化生存”成为常态，独身、独居人群的养老、医疗和财产安全，已是一个无法回避的现实问题。
意定监护，正是法律赋予我们的重要工具，让我们能提前指定“代言人”，自主安排未来。本期节目，我们再次请到专攻继承与监护领域的律师，结合两位女士的真实案例，与大家分享，意定监护的实操要点与避坑指南。
【特邀嘉宾】
张媛律师（小红书账号弓长张律，坐标南京，微信号zy1500... more
挑选分红险时，除了看收益，保险公司是否靠谱也是一个很重要的标准。如何分辨优秀的分红险保险公司？分红账户真的是消费者看不到的黑匣子吗？
上期我们和嘉宾一起聊了分红险的基础科普，讲清楚了预定利率、演示利率和实际收益率这些核心概念。本期我们继续邀请业内资深精算师，拆解分红险的挑选逻辑，为大家揭开分红账户的运作逻辑，以及判断保险公司经营水平的核心标准。
【嘉宾介绍】
王老师：主播小夏前同事，I人，某合资公司资深精算。做过产品开发、风险管理和市场研究多个岗位。
【主播介绍】
瓜瓜李（微信：zhq... more
随着2.5%固定预定利率的储蓄险在去年8月正式成为历史。最近一年，分红险几乎“一夜之间”占领了市场。不少听友和客户都在问我们，这种收益“不保底”的产品，到底靠不靠谱？为什么一夜之间所有公司都在主推分红险？今天我们请来了一位外资公司资深精算师，和大家一次性说清楚，分红险的底层逻辑、挑选误区，以及在当下的资产配置中究竟扮演什么角色。
01:55 分红险的收益率并非100%确定，那它的价值在哪？
* 市场热销产品的底层逻辑：分红险本质是「保证部分+浮动分红」的组合
* 演示利率≠实际收益：分红实... more
投保健康险时，健康告知做得不准确是后期发生理赔纠纷的首要因素。
然而，面对复杂宛如考试的健康告知问卷，普通消费者，甚至新手保险人，往往都是一脸懵。
体检异常、结节、高血压等等常见体况，如何填写才能顺利承保？
如何通过健康告知和体况匹配度挑选到最适合自己的健康险？
本期节目通过资深经纪人亲历的上百件案例，拆解保险产品健康告知的“隐藏算法”，教你用对方法少踩坑。
00:00:08 投保就是给核保讲故事，选对产品比单纯对比条款更重要
00:03:11 健康告知难倒新手，这是一场没有标准答案的... more
Chart Rankings
How this podcast ranks in the Apple Podcasts, Spotify and YouTube charts.
Apple Podcasts | #191 |  Hong Kong/Society & Culture |
Audience Metrics
Listeners, social reach, demographics and more for this podcast.
| Listeners per Episode | Gender Skew | Location | |||
|---|---|---|---|---|---|
| Interests | Professions | Age Range | |||
| Household Income | Social Media Reach | ||||
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保险不保险 launched a year ago and published 56 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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