《润百科》音频版
M金麦郎本栏目通过浅显易懂的语言，为您讲述金融术语的意思，并简单阐述这种投资工具的优劣势。
| Publishes | Weekly | Episodes | 47 | Founded | 2 years ago |
|---|---|---|---|---|---|
| Language |  ZH-CN | Categories | BusinessHow ToEducationInvesting | ||
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法定继承人法定继承人：又称“无嘱继承人”。是指依法律规定的继承范围、继承顺序和遗产分配原则承受被继承人遗产的继承人。受益顺序和比例第一顺位继承人：配偶、父母、子女；第二顺位继承人：兄弟姐妹、祖父母、外祖父母。保单受益比例一般为第一顺序继承人为100%，如果投保人填写保单时明确了受益人的受益比例，则依照比例进行领取。在同一顺序的继承人之间，没有先后之分，可平均或协议分配保险金。
疫情名词科普【奥密克戎】英文名：Omicron，新型冠状病毒变种。最新发现了两种新冠病毒奥密克戎毒株的新亚型毒株，被称为“BA.4”和“BA.5”。【时空伴随者】本人的电话号码与确诊号码在同一时空网格（范围是800M*800M）共同停留超过10分钟，且最近14天任一方号码累计停留时长超过30小时以上，健康码会变成带有警告性质的黄色码。【动态清零】并非指“零感染”，是指发现的所有新增确诊病例都已经在隔离的密切接触者或者是次密切接触者当中，在社会面的疫情传播途径已经被有效阻断。
高风险运动：指比一般常规性的运动风险等级更高、更容易发生人身伤害的运动。在进行此类运动前需有充分的心理准备和行动上的准备，必须具备一般人不具备的相关知识和技能或者必须在接受专业人士提供的培训或训练之后方能掌握。在保险合同中所指的高风险比如：跳水、滑雪、滑冰、驾驶或乘坐滑翔翼、跳伞、攀岩、探险、武术比赛、摔跤、柔道、空手道、跆拳道、马术、拳击、特技表演、驾驶卡丁车、赛马、各种高空表演、蹦极等等。
医院等级医院等级划分标准：是我国根据医院规模、科研方向、人才技术力量、医疗硬件设备等对医院资质评定指标。全国统一，不分医院背景、所有性质等。按照《医院分级管理标准》，医院经过评审，确定为三级，每级再划分为甲、乙、丙三等，其中三级医院增设特等级别，因此医院共分三级十等。 一般一级医院是服务一个社区的社区级医院，二级医院是区级或者县级医院，比如县人民医院一般都是二级，三级医院是省级和国家级医院。
永久不可逆：指自疾病确诊或意外伤害发生之日起，经过积极治疗180天后，仍无法通过现有医疗手段恢复。 相关病种单耳失聪：指因疾病或意外伤害导致单耳听力永久不可逆性丧失，未达到保险合同约定的重大疾病“双耳失聪”的给 付标准；双耳失聪：指因疾病或意外伤害导致单耳/双耳听力永久不可逆性丧失；双目失明：指因疾病或意外伤害导致双眼视力永久不可逆性丧失；单目失明：指因疾病或意外伤害导致单眼视力永久不可逆性丧失，但未达到保险合同约定的重大疾病“双目失明”或 “失去一肢及一眼”的给付标准。
六项基本日常生活活动重疾险中规定的六项基本日常生活活动指：1、穿衣：自己能够穿衣及脱衣；2、进食：自己从已准备好的碗或碟中取食物放入口中；3、移动：自己从一个房间到另一个房间；4、如厕：自己控制进行大小便；5、行动：自己上下床或上下轮椅；6、洗澡：自己进行淋浴或盆浴。
伤残等级是根据伤残的严重程度来判定伤残的等级，分为一级到十级伤残。伤残等级评定标准并无统一的鉴定标准。不同的对象不同事由导致的伤残适用不同的伤残鉴定标准。伤残和残疾的区别 1.作用不同：伤残评定是为了工伤理赔或者保险理赔，而残疾证明是为了给残疾人享受国家给予的优惠政策。 2.等级不同：伤残等级分为1-10级，1-4级为重度残疾，残疾人证分为1-4级，1-2级为重度残疾，一般要高于七级才能办理残疾证。3.颁发单位不同：工伤伤残证是由劳动部门鉴定核发，残疾人证由中国残联统一制发。
保单贷款：指投保人将所持有的保单抵押给保险公司，按照保单现金价值的一定比例获得资金的一种借贷方式。它的优点在于：1.手续少通常只需要带上自己的有效身份证明、保单和被保人书面同意贷款申明到保险公司办理即可，有些保单贷款甚至可以在网上办理，流程也相对要简单些。2.利息相对低一般在4.5%-5.3%左右，和银行的半年期贷款基准率差不多，银行贷款很难低于6%。找保险公司借钱比找银行更方便和划算。
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Apple Podcasts | #80 | China/Education/How To |
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《润百科》音频版 launched 2 years ago and published 47 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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