保险豁免权什么意思？

中文版：

保险豁免权是指在保险合同中，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权利。这通常是为了保护投保人或被保险人在某些不可预见的情况下，例如罹患重大疾病、丧失工作能力或身故，不会因为经济压力而放弃保险保障。

豁免权的具体条款因保险合同而异，但通常包括以下几种情况：

投保人豁免：当投保人身故或罹患合同中约定的疾病时，其无需继续缴纳保费，而被保险人的保障不受影响。

被保险人豁免：当被保险人身故或罹患合同中约定的疾病时，其同样无需继续缴纳保费，保障继续有效。

双重豁免：同时适用于投保人和被保险人的豁免情况。

豁免权的引入，使得保险合同更具人性化，为投保人和被保险人提供了额外的保障。但需要注意的是，豁免权的生效条件和范围通常在保险合同中都有明确规定，投保人在购买保险时应详细阅读合同条款，了解豁免权的具体内容。

英文版：

What Does Insurance Waiver Right Mean?

Insurance waiver right refers to a provision in an insurance contract that allows the policyholder or insured to stop paying premiums under certain specified circumstances, while the insurance contract remains valid. This is typically designed to protect the policyholder or insured from放弃ing insurance coverage due to financial pressure in unforeseeable situations such as the occurrence of a critical illness, loss of earning capacity, or death.

The specific terms of the waiver right vary from insurance contract to contract, but they generally cover the following scenarios:

Policyholder Waiver: When the policyholder dies or is diagnosed with a covered illness as specified in the contract, they are relieved of the obligation to continue paying premiums, while the insured's coverage remains unaffected.

Insured Waiver: When the insured dies or is diagnosed with a covered illness, they also become exempt from further premium payments, and the coverage continues to be valid.

Double Waiver: Applies to both the policyholder and the insured under certain circumstances.

The introduction of the waiver right makes insurance contracts more user-friendly and provides additional security to policyholders and insureds. However, it's important to note that the conditions and scope of the waiver right are usually clearly stipulated in the insurance contract. Therefore, policyholders should carefully read the contract terms when purchasing insurance to understand the specific details of the waiver right.