有没有墙内外都买商业险的，国内商业保险是智商税吗？
https://www.reddit.com/r/China_irl/comments/1jji1df/%E6%9C%89%E6%B2%A1%E6%9C%89%E5%A2%99%E5%86%85%E5%A4%96%E9%83%BD%E4%B9%B0%E5%95%86%E4%B8%9A%E9%99%A9%E7%9A%84%E5%9B%BD%E5%86%85%E5%95%86%E4%B8%9A%E4%BF%9D%E9%99%A9%E6%98%AF%E6%99%BA%E5%95%86%E7%A8%8E%E5%90%97/
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