什么叫做豁免险呢？

中文版：

豁免险，又称为保费豁免或豁免利益险，是指在某些特定情况下，投保人或被保险人无需继续缴纳保费，而保险合同依然有效的一种保险附加险。豁免险的设立旨在减轻投保人或被保险人在面临某些不可预见的风险时，如丧失劳动能力、身故或罹患重大疾病等，可能导致的经济负担，确保保险合同不因经济原因而中断。

豁免险的触发条件通常包括投保人或被保险人因意外伤害或疾病导致身故、全残、丧失工作能力等。当这些条件满足时，保险公司将豁免投保人应缴纳的剩余保费，同时保险合同继续有效，为被保险人提供持续的保障。

豁免险的引入，为保险市场增加了更多的灵活性和人性化设计。它不仅有助于提升保险产品的吸引力，还能更好地满足投保人和被保险人的实际需求。在购买保险时，了解并选择合适的豁免险，有助于为自己和家人提供更加全面和可靠的保障。

英文版：

What is Waiver Insurance?

Waiver insurance, also known as premium waiver or waiver benefit insurance, is an additional coverage in an insurance contract that allows the policyholder or insured to stop paying premiums under certain specified conditions, while the insurance contract remains valid. The purpose of waiver insurance is to alleviate the financial burden that may arise for the policyholder or insured when facing unpredictable risks such as loss of earning capacity, death, or serious illness, ensuring that the insurance contract is not interrupted due to financial reasons.

The triggering conditions for waiver insurance typically include the death, total disability, or loss of earning capacity of the policyholder or insured due to accidental injury or illness. When these conditions are met, the insurance company waives the remaining premiums that the policyholder should pay, and the insurance contract continues to be valid, providing continuous protection for the insured.

The introduction of waiver insurance has added more flexibility and user-friendly design to the insurance market. It not only helps enhance the attractiveness of insurance products but also better meets the actual needs of policyholders and insured. Understanding and choosing the right waiver insurance when purchasing insurance can help provide more comprehensive and reliable protection for oneself and one's family.