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　　三九養(yǎng)生堂記者 鄧肯·蓋伊 報(bào)道

精彩|　　既??(ji)然?(ran)如??(ru)此??(ci)??，代??(dai)金??(jin)券??(quan)、折??(zhe)扣??(kou)券??(quan)、消??(xiao)費(fèi)??(fei)券??(quan)等??(deng)各??(ge)種??(zhong)優(yōu)??(you)惠??(hui)券??(quan)本??(ben)身??(shen)是??(shi)否??(fou)具??(ju)有??(you)保??(bao)險(xiǎn)??(xian)金??(jin)性??(xing)質(zhì)??(zhi)？??“嚴(yán)??(yan)格??(ge)來(lái)??(lai)說(shuō)??(shuo)??，優(yōu)??(you)惠??(hui)券??(quan)不??(bu)能??(neng)算??(suan)是??(shi)保??(bao)險(xiǎn)??(xian)金??(jin)??，除??(chu)非??(fei)投?(tou)保??(bao)人??(ren)提??(ti)前??(qian)明??(ming)知??(zhi)并??(bing)且?(qie)同??(tong)意??(yi)投??(tou)保??(bao)??。??”趙??(zhao)占??(zhan)領(lǐng)??(ling)指??(zhi)出?(chu)??，在??(zai)符??(fu)合??(he)保??(bao)險(xiǎn)??(xian)理??(li)賠??(pei)的??(de)條??(tiao)件??(jian)下??(xia)??，保??(bao)險(xiǎn)??(xian)人??(ren)應(yīng)??(ying)當(dāng)??(dang)根??(gen)據(jù)??(ju)保??(bao)險(xiǎn)??(xian)合??(he)同??(tong)和?(he)法??(fa)律??(lv)規(guī)??(gui)定??(ding)履??(lv)行??(xing)賠??(pei)付??(fu)義??(yi)務(wù)??(wu)??，而??(er)這??(zhe)種??(zhong)義??(yi)務(wù)??(wu)的?(de)履?(lv)行??(xing)應(yīng)??(ying)當(dāng)??(dang)是??(shi)以??(yi)現(xiàn)??(xian)金?(jin)的??(de)方??(fang)式??(shi)??。　　既??(ji)然??(ran)如??(ru)此??(ci)??，代??(dai)金??(jin)券??(quan)、折??(zhe)扣??(kou)券??(quan)、消??(xiao)費(fèi)??(fei)券??(quan)等??(deng)各?(ge)種??(zhong)優(yōu)??(you)惠??(hui)券??(quan)本??(ben)身??(shen)是?(shi)否??(fou)具??(ju)有??(you)保??(bao)險(xiǎn)??(xian)金??(jin)性??(xing)質(zhì)??(zhi)？??“嚴(yán)??(yan)格??(ge)來(lái)??(lai)說(shuō)??(shuo)??，優(yōu)??(you)惠??(hui)券?(quan)不??(bu)能??(neng)算??(suan)是??(shi)保??(bao)險(xiǎn)??(xian)金??(jin)??，除??(chu)非??(fei)投??(tou)保??(bao)人??(ren)提??(ti)前??(qian)明??(ming)知??(zhi)并??(bing)且??(qie)同??(tong)意??(yi)投??(tou)保??(bao)?。?”趙??(zhao)占??(zhan)領(lǐng)??(ling)指??(zhi)出??(chu)??，在??(zai)符?(fu)合??(he)保?(bao)險(xiǎn)??(xian)理??(li)賠??(pei)的??(de)條??(tiao)件??(jian)下??(xia)??，保??(bao)險(xiǎn)??(xian)人??(ren)應(yīng)??(ying)當(dāng)??(dang)根?(gen)據(jù)?(ju)保??(bao)險(xiǎn)??(xian)合?(he)同??(tong)和??(he)法??(fa)律??(lv)規(guī)??(gui)定??(ding)履??(lv)行??(xing)賠??(pei)付??(fu)義??(yi)務(wù)??(wu)??，而??(er)這??(zhe)種??(zhong)義??(yi)務(wù)??(wu)的??(de)履??(lv)行??(xing)應(yīng)??(ying)當(dāng)??(dang)是??(shi)以??(yi)現(xiàn)??(xian)金??(jin)的??(de)方??(fang)式??(shi)?。

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