【中文版】

增值险是一种保险产品，它在传统的寿险或健康险的基础上，给予被保险人在保险期间内获得一定增值收益的保障。这种增值收益通常以现金价值的形式体现，可以在保险期间内随时提取，也可以在保险到期时获得。

相比传统的寿险或健康险，增值险在保障功能的同时，更加注重资金的增值。因此，增值险的保费通常比传统的寿险或健康险要高，但同时它也能够在一定程度上抵御通货膨胀的影响。

增值险的种类很多，包括投资型寿险、投资型健康险等。这些险种通常会投资于股票、债券、房地产等市场，以获取更高的收益。但是，由于投资型险种涉及到投资风险，因此投资者需要根据自己的风险承受能力和投资目标来选择适合自己的险种。

总的来说，增值险是一种既能提供保障，又能实现资金增值的保险产品。它适合那些既想获得保障，又想实现资金增值的消费者。

【英文版】

Value-added insurance is an insurance product that, based on traditional life insurance or health insurance, provides the insured with an additional benefit of gaining value during the insurance period. This value-added benefit is usually reflected in the form of cash values that can be withdrawn at any time during the insurance period or received at the end of the insurance period.

Compared to traditional life insurance or health insurance, value-added insurance not only provides protection but also focuses more on the appreciation of funds. Therefore, the premium for value-added insurance is usually higher than that for traditional life insurance or health insurance, but it can also resist the impact of inflation to a certain extent.

There are many types of value-added insurance, including investment-type life insurance and investment-type health insurance. These types of insurance typically invest in markets such as stocks, bonds, and real estate to obtain higher returns. However, because investment-type insurance involves investment risks, investors need to choose the appropriate type of insurance based on their risk tolerance and investment goals.

Overall, value-added insurance is an insurance product that can provide both protection and capital appreciation. It is suitable for consumers who want to obtain both protection and capital appreciation.