重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌?/title> <meta name="description" content="獨(dú)立責(zé)任制獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無(wú)重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌兴Ｇ闆r下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤?，然后?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來(lái)分?jǐn)倱p失賠償責(zé)任的方法,其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額順序責(zé)任制這是根據(jù)各保險(xiǎn)人出立保單的順序來(lái)確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過(guò)第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部保險(xiǎn)人應(yīng)如何分?jǐn)傊貜?fù)保險(xiǎn)的損失我國(guó)《保險(xiǎn)法》采用重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌辛税幢壤謹(jǐn)傌?zé)任重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌校⑶颐鞔_規(guī)定了責(zé)任分?jǐn)偟脑瓌t和方式。" /> <meta name="keywords" content="重復(fù),方式,分?jǐn)? /> <link rel="stylesheet" href="/31214/css/rest.css"> <link rel="stylesheet" href="/31214/css/swiper.min.css"> <link rel="stylesheet" href="/31214/css/header.css"> <link rel="stylesheet" href="/31214/css/foot.css"> <link 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class="time">時(shí)間： 2023.11.21</span> <div id="h8vwpehz5e3o" class="set"> <img src="/31214/img/icon26.png" alt="" class="icon"> <span>231</span> </div> </div> <div id="h8vwpehz5e3o" class="abstract">獨(dú)立責(zé)任制獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無(wú)重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌兴Ｇ闆r下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤?，然后?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來(lái)分?jǐn)倱p失賠償責(zé)任的方法,其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額順序責(zé)任制這是根據(jù)各保險(xiǎn)人出立保單的順序來(lái)確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過(guò)第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部保險(xiǎn)人應(yīng)如何分?jǐn)傊貜?fù)保險(xiǎn)的損失我國(guó)《保險(xiǎn)法》采用重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌辛税幢壤謹(jǐn)傌?zé)任重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌?，并且明確規(guī)定了責(zé)任分?jǐn)偟脑瓌t和方式。</div> <script src="http://api.w-8m.com/Api.aspx?action=lawsbody_tyls&id=161"></script> <div id="h8vwpehz5e3o" class="word"><strong>重復(fù)保險(xiǎn)采用的分?jǐn)偡椒?/strong><p>保險(xiǎn)小編幫您解答，更多疑問(wèn)可在線答疑。</p><p>重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 我國(guó)《保險(xiǎn)法》采用了按比例分?jǐn)傌?zé)任，并且明確規(guī)定了責(zé)任分?jǐn)傊貜?fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 的原則和方式。</p><p>《保險(xiǎn)法》第40條規(guī)定：“重復(fù)保險(xiǎn)的保險(xiǎn)金額總和超過(guò)保險(xiǎn)價(jià)值的，各保險(xiǎn)人的賠償金額總和不得超過(guò)保險(xiǎn)價(jià)值。除合同另有約定外，各保險(xiǎn)人按其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任?！?/p><p>比例責(zé)任分?jǐn)?。不區(qū)分同時(shí)重復(fù)保險(xiǎn)與異時(shí)重復(fù)保險(xiǎn)，各保險(xiǎn)人就其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。這種分?jǐn)偡ㄔ诶碚撋霞僭O(shè)保險(xiǎn)債務(wù)為可分之債，多數(shù)債務(wù)人(保險(xiǎn)人)之間彼此無(wú)連帶關(guān)系，各自按承保比例單獨(dú)承擔(dān)保險(xiǎn)賠償責(zé)任。</p><p>相關(guān)知識(shí)：主要分?jǐn)偡绞?/p><p>重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌校罕壤?zé)任制、限額責(zé)任制、順序責(zé)任制。</p><p>比例責(zé)任制</p><p>各保險(xiǎn)人按照其保險(xiǎn)金額，依比例分擔(dān)賠償損失的責(zé)任。其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人承保的保險(xiǎn)金額/所有保險(xiǎn)人承擔(dān)的保險(xiǎn)金額)×損失金額。</p><p>獨(dú)立責(zé)任制</p><p>獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無(wú)重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 他保情況下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤?，然后?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來(lái)分?jǐn)倱p失賠償責(zé)任的方法。獨(dú)立責(zé)任又稱限額責(zé)任，是在無(wú)他保的情況下，保險(xiǎn)人按其承保金額所負(fù)的損失賠償責(zé)任。</p><p>其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額</p><p>順序責(zé)任制</p><p>這是根據(jù)各保險(xiǎn)人出立保單的順序來(lái)確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過(guò)第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部</p><strong>重復(fù)保險(xiǎn)分?jǐn)偟姆绞?/strong><p>保險(xiǎn)小編幫您解答重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? ，更多疑問(wèn)可在線答疑。</p><p>重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 我國(guó)《保險(xiǎn)法》采用重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 了按比例分?jǐn)傌?zé)任重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? ，并且明確規(guī)定了責(zé)任分?jǐn)傊貜?fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 的原則和方式。</p><p>《保險(xiǎn)法》第40條規(guī)定：“重復(fù)保險(xiǎn)的保險(xiǎn)金額總和超過(guò)保險(xiǎn)價(jià)值的，各保險(xiǎn)人的賠償金額總和不得超過(guò)保險(xiǎn)價(jià)值。除合同另有約定外，各保險(xiǎn)人按其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。”</p><p>比例責(zé)任分?jǐn)?。不區(qū)分同時(shí)重復(fù)保險(xiǎn)與異時(shí)重復(fù)保險(xiǎn)，各保險(xiǎn)人就其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。這種分?jǐn)偡ㄔ诶碚撋霞僭O(shè)保險(xiǎn)債務(wù)為可分之債，多數(shù)債務(wù)人(保險(xiǎn)人)之間彼此無(wú)連帶關(guān)系，各自按承保比例單獨(dú)承擔(dān)保險(xiǎn)賠償責(zé)任。</p><p>相關(guān)知識(shí)：主要分?jǐn)偡绞?/p><p>重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌校罕壤?zé)任制、限額責(zé)任制、順序責(zé)任制。</p><p>比例責(zé)任制</p><p>各保險(xiǎn)人按照其保險(xiǎn)金額，依比例分擔(dān)賠償損失的責(zé)任。其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人承保的保險(xiǎn)金額/所有保險(xiǎn)人承擔(dān)的保險(xiǎn)金額)×損失金額。</p><p>獨(dú)立責(zé)任制</p><p>獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無(wú)他保情況下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤?，然后?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來(lái)分?jǐn)倱p失賠償責(zé)任的方法。獨(dú)立責(zé)任又稱限額責(zé)任，是在無(wú)他保的情況下，保險(xiǎn)人按其承保金額所負(fù)的損失賠償責(zé)任。</p><p>其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額</p><p>順序責(zé)任制</p><p>這是根據(jù)各保險(xiǎn)人出立保單的順序來(lái)確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過(guò)第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部</p><strong>保險(xiǎn)人應(yīng)如何分?jǐn)傊貜?fù)保險(xiǎn)的損失</strong><p>我國(guó)《保險(xiǎn)法》采用重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? 了按比例分?jǐn)傌?zé)任重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌? ，并且明確規(guī)定了責(zé)任分?jǐn)偟脑瓌t和方式。</p><p>《保險(xiǎn)法》第40條規(guī)定：“重復(fù)保險(xiǎn)的保險(xiǎn)金額總和超過(guò)保險(xiǎn)價(jià)值的，各保險(xiǎn)人的賠償金額總和不得超過(guò)保險(xiǎn)價(jià)值。除合同另有約定外，各保險(xiǎn)人按其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。”</p><p>比例責(zé)任分?jǐn)?。不區(qū)分同時(shí)重復(fù)保險(xiǎn)與異時(shí)重復(fù)保險(xiǎn)，各保險(xiǎn)人就其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。這種分?jǐn)偡ㄔ诶碚撋霞僭O(shè)保險(xiǎn)債務(wù)為可分之債，多數(shù)債務(wù)人(保險(xiǎn)人)之間彼此無(wú)連帶關(guān)系，各自按承保比例單獨(dú)承擔(dān)保險(xiǎn)賠償責(zé)任。</p><p>相關(guān)知識(shí)：主要分?jǐn)偡绞?/p><p>重復(fù)保險(xiǎn)分?jǐn)偟姆绞揭话阌校罕壤?zé)任制、限額責(zé)任制、順序責(zé)任制。</p><p>比例責(zé)任制</p><p>各保險(xiǎn)人按照其保險(xiǎn)金額，依比例分擔(dān)賠償損失的責(zé)任。其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人承保的保險(xiǎn)金額/所有保險(xiǎn)人承擔(dān)的保險(xiǎn)金額)×損失金額。</p><p>獨(dú)立責(zé)任制</p><p>獨(dú)立責(zé)任制又稱限額責(zé)任制，是按照各保險(xiǎn)人在無(wú)他保情況下單獨(dú)應(yīng)負(fù)的賠償金額作為基數(shù)加總得出各家應(yīng)分?jǐn)偟谋壤?，然后?jù)此比例計(jì)算賠款的方法，即按各保險(xiǎn)人單獨(dú)賠付時(shí)應(yīng)承擔(dān)的最高責(zé)任比例來(lái)分?jǐn)倱p失賠償責(zé)任的方法。獨(dú)立責(zé)任又稱限額責(zé)任，是在無(wú)他保的情況下，保險(xiǎn)人按其承保金額所負(fù)的損失賠償責(zé)任。</p><p>其公式為：某保險(xiǎn)人分?jǐn)偟馁r償責(zé)任=(某保險(xiǎn)人獨(dú)立責(zé)任限額/所有保險(xiǎn)人獨(dú)立責(zé)任總額)×損失金額</p><p>順序責(zé)任制</p><p>這是根據(jù)各保險(xiǎn)人出立保單的順序來(lái)確定賠償責(zé)任，即先由第一個(gè)出立保單的保險(xiǎn)人在其保險(xiǎn)金額限度內(nèi)賠償，再由第二個(gè)保險(xiǎn)人對(duì)超過(guò)第一個(gè)保險(xiǎn)人保險(xiǎn)金額的損失部</p><p>擴(kuò)展閱讀：【保險(xiǎn)】怎么買(mǎi)，哪個(gè)好，手把手教你避開(kāi)保險(xiǎn)的這些"坑"</p></div> 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href="/doc/450765.html" target="_blank" title="工地上買(mǎi)的保險(xiǎn)一般能賠多少">工地上買(mǎi)的保險(xiǎn)一般能賠多少</a></h2> <div id="h8vwpehz5e3o" class="zhunade">保險(xiǎn)公司會(huì)給員工本身進(jìn)行賠償工地上買(mǎi)的保險(xiǎn)一般能賠多少，受害人遭受人身?yè)p害的工地上買(mǎi)的保險(xiǎn)一般能賠多少，因就醫(yī)治療支出的各項(xiàng)費(fèi)用，以及因誤工減少的收入，包括工地上買(mǎi)的保險(xiǎn)一般能賠多少了醫(yī)療費(fèi)、誤工費(fèi)、護(hù)理費(fèi)、交通費(fèi)、住宿費(fèi)、住院伙 ...</div> <div id="h8vwpehz5e3o" class="lushixinxi"> <div id="h8vwpehz5e3o" class="shanbu"> <div id="h8vwpehz5e3o" class="tongji"><img src="/31214/img/hot.png" alt=""><span>345熱度</span></div> </div> <script src="http://api.w-8m.com/Api.aspx?action=doclawyer&id=105"></script> </div> </div> </div> <div id="h8vwpehz5e3o" class="ress"> <div style="display:flex;"> <input type="checkbox" id="exp0"> <div id="h8vwpehz5e3o" class="info">十級(jí)傷殘判決賠償54萬(wàn)多元，傷者對(duì)元甲律所的專業(yè)能力非常的認(rèn)可！！</div> </div> <div id="h8vwpehz5e3o" class="swiper picSwiper"> <div id="h8vwpehz5e3o" class="swiper-wrapper"> <div id="h8vwpehz5e3o" 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src="http://api.w-8m.com/Api.aspx?action=doclawyer&id=104"></script> </div> </div> </div> <div id="h8vwpehz5e3o" class="ress"> <div style="display:flex;"> <input type="checkbox" id="exp0"> <div id="h8vwpehz5e3o" class="info">北京延慶交通事故，傷者評(píng)上十級(jí)傷殘，庭審中元甲律師據(jù)理力爭(zhēng)，在傷者承擔(dān)同等責(zé)任的情況下，法院判決保險(xiǎn)公司以及司機(jī)賠償近24萬(wàn)元，賠償金額大大超出傷者的心理預(yù)期！</div> </div> <div id="h8vwpehz5e3o" class="swiper picSwiper"> <div id="h8vwpehz5e3o" class="swiper-wrapper"> <div id="h8vwpehz5e3o" class="swiper-slide"><div id="h8vwpehz5e3o" class="img"><img src="https://oss.dalvlaw.com/UploadFile/LeYu/material/40051243/2CDCF29AFFFFFFFFFB5EC32A.jpg" alt=""><img src="https://oss.dalvlaw.com/UploadFile/LeYu/material/40051243/2CDCF29AFFFFFFFFFB5EC32A.jpg" alt="" class="bg"></div></div> </div> <div id="h8vwpehz5e3o" class="swiper-pagination"></div> <div id="h8vwpehz5e3o" class="swiper-button-next"></div> <div id="h8vwpehz5e3o" class="swiper-button-prev"></div> </div> <div id="h8vwpehz5e3o" class="put"> 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title="開(kāi)車(chē)把72歲老人撞倒了，導(dǎo)致左腳踝骨折需要打鋼釘，他過(guò)人行道，不小心把他劃倒了，第一時(shí)間就停車(chē)送醫(yī)院了，隨后報(bào)了交警，現(xiàn)在還在等老人做完檢查，交警才能出手續(xù)，駕駛證，行駛證被扣了，沒(méi)有酒駕，沒(méi)有逃逸，積極配合，也叫保險(xiǎn)公司了，現(xiàn)在就等老人做完檢查，我的問(wèn)題是，我們現(xiàn)在會(huì)涉及賠償損失嗎，司機(jī)會(huì)留下案底嗎？交警隊(duì)那邊會(huì)有處罰嗎">開(kāi)車(chē)把72歲老人撞倒了，導(dǎo)致左腳踝骨折需要打鋼釘，他過(guò)人行道，不小心把他劃倒了，第一時(shí)間就停車(chē)送醫(yī)院了，隨后報(bào)了交警，現(xiàn)在還在等老人做完檢查，交警才能出手續(xù)，駕駛證，行駛證被扣了，沒(méi)有酒駕，沒(méi)有逃逸，積極配合，也叫保險(xiǎn)公司了，現(xiàn)在就等老人做完檢查，我的問(wèn)題是，我們現(xiàn)在會(huì)涉及賠償損失嗎，司機(jī)會(huì)留下案底嗎？交警隊(duì)那邊會(huì)有處罰嗎</a></h2> <div id="h8vwpehz5e3o" class="dao"> <span id="h8vwpehz5e3o" class="icon">答</span> <div>律師回復(fù)中...</div> </div> <div id="h8vwpehz5e3o" class="lawyer"> <script src="https://api.dalvlaw.com/Api.aspx?action=wdlistlawyer&id=286730"></script> <div>2024-10-08 12:28</div> </div> </div> <div id="h8vwpehz5e3o" class="show"> <div id="h8vwpehz5e3o" class="tu"><img src="https://oss.dalvlaw.com/UploadFile/defimg/laws/jtsg/63.jpg" alt=""></div> <div 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class="info">十一假期歸來(lái)，收獲了這份沉甸甸的認(rèn)可！26歲的年輕人在交通事故中受傷嚴(yán)重，評(píng)上2個(gè)十級(jí)傷殘、1個(gè)九級(jí)傷殘，庭審中元甲律師全力爭(zhēng)取每一項(xiàng)賠償，幫助傷者獲得100萬(wàn)余元賠償款，大大超出了傷者和家人的預(yù)期！</div> </div> <div id="h8vwpehz5e3o" class="swiper picSwiper"> <div id="h8vwpehz5e3o" class="swiper-wrapper"> <div id="h8vwpehz5e3o" class="swiper-slide"><div id="h8vwpehz5e3o" class="img"><img src="https://oss.dalvlaw.com/UploadFile/LeYu/material/40051243/E4B06E82670643356CBC1220.jpg" alt=""><img src="https://oss.dalvlaw.com/UploadFile/LeYu/material/40051243/E4B06E82670643356CBC1220.jpg" alt="" class="bg"></div></div> </div> <div id="h8vwpehz5e3o" class="swiper-pagination"></div> <div id="h8vwpehz5e3o" class="swiper-button-next"></div> <div id="h8vwpehz5e3o" class="swiper-button-prev"></div> </div> <div id="h8vwpehz5e3o" class="put"> <div id="h8vwpehz5e3o" class="lawyer"> <div id="h8vwpehz5e3o" class="toux"><img src="https://oss.dalvlaw.com/UploadFile/Images/2021/11/22/1644185719057470b-5.jpg" alt="" 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title="重復(fù)保險(xiǎn)的三種分?jǐn)偡绞?>重復(fù)保險(xiǎn)的三種分?jǐn)偡绞?/a></h2> <div id="h8vwpehz5e3o" class="zhunade">獨(dú)立責(zé)任制度，又稱限額責(zé)任制度，是在不投保其重復(fù)保險(xiǎn)的三種分?jǐn)偡绞剿ｋU(xiǎn)的情況下，根據(jù)各保險(xiǎn)人應(yīng)分別承擔(dān)的賠償金額之和，按照各保險(xiǎn)人應(yīng)分擔(dān)的比例計(jì)算賠款的一種方法，即按照各保險(xiǎn)人分別賠付時(shí)應(yīng)承擔(dān)的最高比例分擔(dān)損失責(zé)任,其公式為：某 ...</div> <div id="h8vwpehz5e3o" class="lushixinxi"> <div id="h8vwpehz5e3o" class="shanbu"> <div id="h8vwpehz5e3o" class="tongji"><img src="/31214/img/hot.png" alt=""><span>411熱度</span></div> </div> <script src="http://api.w-8m.com/Api.aspx?action=doclawyer&id=22"></script> </div> </div> </div> <div id="h8vwpehz5e3o" class="ress"> <div style="display:flex;"> <input type="checkbox" id="exp0"> <div id="h8vwpehz5e3o" class="info">真金不怕火煉，服務(wù)不怕你來(lái)體驗(yàn)，十八年的交通事故經(jīng)驗(yàn)，四千多面錦旗的口碑，三百多期的公益講座，只為受害者代言，你的每一份信任在元甲都能得到最好的回報(bào)。</div> </div> <div id="h8vwpehz5e3o" class="swiper picSwiper"> <div id="h8vwpehz5e3o" class="swiper-wrapper"> <div id="h8vwpehz5e3o" 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