激烈！重疾险迎来2个强劲挑战者：无忧人生2020、钢铁战士1号

<section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXLmVNuPhcbVXFR63BC72sW8f5SwicllEiaQOlCccD29JibQeH1WClRxZNg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXLmVNuPhcbVXFR63BC72sW8f5SwicllEiaQOlCccD29JibQeH1WClRxZNg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >大家好，我是保爷。</span></section><section ><span ><br /></span></section><section ><span >最近上线了一些单次赔付重疾险新品，保爷本以为会乏善可陈。</span></section><section ><br /></section><section ><span >却不料被其中一款产品吸引了注意力。<br /></span></section><section ><span ><br /></span></section><section ><span >也是因为上次<strong>优惠宝</strong>没能撼动<strong>超级玛丽2020Max</strong>第一推荐地位的缘故，</span></section><section ><br /></section><section ><span >保爷本觉得单次赔付重疾险的第一推荐还将由超级玛丽把持很久。</span></section><section ><br /><span >但没想到这么快，超级玛丽2020Max就迎来了“破壁人”。</span><br /></section><section ><span >&nbsp;</span></section><section ><span >说回新品，它还是由前段时间推出“优惠宝”的横琴人寿推出，名为</span><strong >横琴无忧人生2020</strong><span style="color: rgb(127, 127, 127)">（以下简称无忧人生）</span><strong >。</strong></section><section ><br /></section><section ><span >在今天的重疾险新品评测中，也会把这款新品和其他竞品一同对比，</span></section><section ><span ><br /></span></section><section ><span >看看在一片红海的重疾险市场中，它是否脱颖而出？</span></section><section ><span >&nbsp;</span></section><section ><span >老规矩，考虑到可能有些朋友是保险小白。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 0, 0)">评测之前，保爷先带大家了解一下<strong>重疾险的概念、配置等级以及挑选重疾险需要关注的点</strong>（老朋友可快速滑过这段）。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的定义</strong></span></section><section ><span >&nbsp;</span></section><section ><span >重疾险：一旦<strong>确诊</strong>合同约定的重大疾病，达到赔付标准，<strong>一次性</strong>获得保险公司几十万赔偿。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">重疾险是<strong>长期型保险</strong>，并且一般推荐选择保障<strong>终身</strong>，因为越到后面，患大病的概率越大。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">重疾险是4类保障型保险<strong>（重疾险、意外险、医疗险、定期寿险）</strong>中保费占比最高的，达到总保费的80%左右。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">所以买保险主要就是买重疾险，大家在研究重疾险上花的时间也是最多的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的配置等级</strong></span></section><section ><span >&nbsp;</span></section><section ><span >保爷根据<strong>重症、轻症、中症、身故、癌症多次、重症多次（分组、不分组）</strong>这6大保障内容的搭配组合将重疾险分为10个等级。</span></section><section ><span >&nbsp;</span></section><section ><span >每个等级后面，保爷都找到一款典型代表产品，10级为最高配置（并不是配置越高越适合你哦）：</span></section><section ><span >&nbsp;</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP13iaiaDlwblk8lBDJLWD9ddCCeyoZibDliaM42MLI2rcSSHT9DWEt0uH3w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP13iaiaDlwblk8lBDJLWD9ddCCeyoZibDliaM42MLI2rcSSHT9DWEt0uH3w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >今天的主角“无忧人生2020”处在第5等级（等级3和等级5是保爷最推荐的）。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">挑选重疾险，需要主要关注哪些点呢？</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >保爷总结出以下几点：</span></section><section ><span >&nbsp;</span></section><ul ><li><p><span style="color: rgb(136, 136, 136)">不用在意重疾的数量；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">不用附加身故保障；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">保障项目是否齐全（中症、豁免等）；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">健康告知以及核保是否宽松；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">特色、附加保障如何；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">保费。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 0, 0)">带着这些挑选技能，我们来看下<strong>无忧人生2020与当下热销超高性价比重疾险的对比。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >保爷在之前的评测中得出当下推荐的成人单次赔付重疾险有7款，分别是：</span></section><section ><span >&nbsp;</span></section><ul ><li><p><span >超级玛丽2020Max：</span><span style="color: rgb(136, 136, 136)">第一推荐没得说，保障责任相当优秀</span></p></li><li><p><span >嘉和保：</span><span style="color: rgb(136, 136, 136)">预算非常紧张的，选它，保费低</span></p></li><li><p><span >优惠宝：</span><span style="color: rgb(136, 136, 136)">不附加癌症二次赔付时，女性投保的第一选择</span></p></li><li><p><span >超级玛丽2020 Pro：</span><span style="color: rgb(136, 136, 136)">高发轻症“原位癌”可赔付2次，可选缴费至70岁</span></p></li><li><p><span >康惠保2020：</span><span style="color: rgb(136, 136, 136)">百年人寿康惠保经典系列，高性价比</span></p></li><li><p><span >超惠保：</span><span style="color: rgb(136, 136, 136)">投保纯重疾（不附加轻中症）的第一推荐，适合作为第二份加保</span></p></li><li><p><span >瑞盈：</span><span style="color: rgb(136, 136, 136)">非常适合40岁以上人群，缴费友好，缴费压力小</span></p></li></ul><section ><span ><br /></span></section><section ><span >现在我们加入<strong>无忧人生2020</strong>一起对比下：</span></section><section ><span >&nbsp;</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP1GxPKichsShLsHbPJic1VibdEOEYfKfico3N2uZRgvHZpdDkzEVopv1gGA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP1GxPKichsShLsHbPJic1VibdEOEYfKfico3N2uZRgvHZpdDkzEVopv1gGA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点击查看大图，红色为优势</span><br /></section><section ><span >&nbsp;</span></section><section ><span >我们可以看到，无忧人生的保障相比同胞兄弟优惠宝来说，简直是一下子从“偏科生”变成了“学霸”。</span></section><section ><span >&nbsp;</span></section><section ><span >由于表中的对比竞品太多，为了更直观的了解无忧人生，</span></section><section ><span ><br /></span></section><section ><span >我们直接把它和当前第一推荐的超级玛丽2020Max进行对比</span><span style="color: rgb(136, 136, 136)">（毕竟如果连超级玛丽都能打过的话，也没必要和其他竞品比了）</span><span >：</span></section><section ><span >&nbsp;</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPoiaKdYpjluZ9ZKkKTK3moaREicicoUia1ickJsiciccKnaGXnr3dFmT9Yr8oA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPoiaKdYpjluZ9ZKkKTK3moaREicicoUia1ickJsiciccKnaGXnr3dFmT9Yr8oA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >&nbsp;</span><br /></section><section ><span >图中我们可以明确看到无忧人生在比较之下的优缺点：</span></section><section ><span >&nbsp;</span></section><ul ><li><p><span style="color: rgb(136, 136, 136)">保费很便宜，并且无忧人生可以单独附加癌症二次赔付，而超级玛丽强行捆绑了癌症和心脑血管疾病两种；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">50岁前患重疾赔付150%，但50-60岁区间可赔付160%，而超级玛丽2020Max为61岁前患重疾赔付150%；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">轻、中症的后续赔付比例较超级玛丽2020Max要高<strong>5%-10%</strong>；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">重疾有癌症和<strong>12种心脑血管疾病</strong>二次赔付，而超级玛丽2020Max除了癌症只有<strong>心肌梗塞、冠状动脉搭桥术这两种心脑血管疾病</strong>的二次赔付。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >很明显，可以说无忧人生2020把上次优惠宝砸场子失败的面子捞回来了。</span></section><section ><span >&nbsp;</span></section><section ><span >超级玛丽2020Max有的保障内容，无忧人生也都有，并且保障更好。</span></section><section ><span >&nbsp;</span></section><section ><span >虽说无忧人生对上超级玛丽2020Max并没有一骑绝尘的碾压姿态，但确实夺取了超级玛丽的霸主地位。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >在保爷看来，无忧人生2020这款就是瞄着超级玛丽2020Max来的，毕竟各项责任都压制的太精准了。</span></strong></section><section ><span >&nbsp;</span></section><section ><span >在上一场用优惠宝来打开女性投保市场后，横琴人寿紧接着就上线无忧人生2020来狙击目前称王的超级玛丽2020Max。</span></section><section ><span >&nbsp;</span></section><section ><span >在这次无忧人生对超级玛丽的精确打击中，我们也得以一窥横琴人寿的野心。</span></section><section ><span >&nbsp;</span></section><section ><span >希望接下来，横琴人寿能给消费者带来更多的口碑产品，毕竟只有专注于产品的公司才会有“好产品”产出。</span></section><section ><span ><br /></span></section><section style="text-align: left"><span >写到这里，我们也完全可以对新品“<strong>无忧人生2020</strong>”做出评测总结了：</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span ><strong ></strong><strong ><span >它比当前第一推荐的超级玛丽2020Max更加</span></strong><span ><strong ><span >优秀，登上了单次赔付重疾险的冠军宝座，成为了新的第一推荐！</span></strong></span></span></section><section ><br /></section><section ><span style="color: rgb(255, 0, 0)"><strong><span style="color: rgb(255, 0, 0)">二次赔付分析</span></strong></span></section><section ><br /></section><section style="text-align: left"><span >保爷再来着重解释下现在重疾保障中越来越多的“<strong >二次赔付</strong>”。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >以前的重疾险责任很简单，单次和多次赔付很分明。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >后来渐渐的，单次赔付重疾险加上了<strong>癌症二次赔付</strong>。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >而现在，除了癌症，可附加二次赔付的高发重疾变得更多了，就比如<strong>心脑血管疾病二次赔付</strong>。</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >大家可能已经意识到，</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >从超级玛丽2020Max可附加心脑血管疾病二次赔付开始</span><span style="color: rgb(136, 136, 136)">（心肌梗塞、冠状动脉搭桥术都属于心脑血管疾病）</span><span >，<br /></span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >很多新品包括无忧人生2020和钢铁战士1号，都可以附加心脑血管疾病二次赔付了。<br /></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >鉴于很多朋友可能对于这些二次赔付一直没理清，</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >保爷在翻遍了保险条款后，做了一些可以直观认知的图来带大家更好的了解这个领域：<br /></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)">我们以<strong>保额50万</strong>为例，假设投保<strong>无忧人生2020</strong>：</span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP7OaBIMTCmMibic0jrqxK4zPu2iaiaUlGiacdJhonichKfxib5uh60q0jVItUA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP7OaBIMTCmMibic0jrqxK4zPu2iaiaUlGiacdJhonichKfxib5uh60q0jVItUA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><br /></section><section ><span style="color: rgb(136, 136, 136)">先解释图，看最上的一行，意思是第一次罹患重疾是<strong>癌症</strong>，可获<strong>50万</strong>赔付，</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">在第一次获赔的<strong>3年</strong>后（3年间隔期内不能理赔)，如果再次罹患<strong>癌症</strong>，就可以获得癌症二次赔付，保额是50万的120%，即60万。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">另外，首次重疾中的其他重疾是指保险合同中除了癌症和心脑血管疾病外，可以重疾赔付的其他重大疾病，如双目失明等。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">再看<strong>超级玛丽2020Max</strong>的癌症和心脑血管疾病二次赔付：</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPO8VwVBmia0jvOIKzZbXa8CWN5ZCqCicMUrTectrxBkulKwwOz1hNlHrg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPO8VwVBmia0jvOIKzZbXa8CWN5ZCqCicMUrTectrxBkulKwwOz1hNlHrg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><span style="color: rgb(136, 136, 136)">以及另一款支持心脑血管疾病二次赔付的产品——</span><strong style="color: rgb(136, 136, 136)">钢铁战士1号</strong><span style="color: rgb(136, 136, 136)">：</span><br /></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPJypcXgPxwKbXBq9HORR8jzjN5qu8Vjybsfns46fPjVYjoyf6gHWtIQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtPJypcXgPxwKbXBq9HORR8jzjN5qu8Vjybsfns46fPjVYjoyf6gHWtIQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >我们可以明显看到，在二次赔付方面，无忧人生2020的保障是最好的。</span></section><section ><span ><br /></span></section><section ><span >像超级玛丽2020Max首次罹患癌症，再患心血管疾病重疾就不能赔付了。<br /></span></section><section ><span ><br /></span></section><section ><span >而且在现有的三款支持<strong>心脑血管疾病二次赔付</strong>产品中，</span></section><section ><br /></section><section ><span >无忧人生支持的心脑血管疾病的种类是最多的，有<strong>12种</strong>。</span></section><section ><br /></section><section ><span >钢铁战士1号是<strong>5种</strong>，超级玛丽2020Max是<strong>2种</strong>。</span></section><section ><br /></section><section ><span style="color: rgb(255, 0, 0)"><strong><span style="color: rgb(255, 0, 0)">病种分析</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >再做个病种分析，看过保爷文章的朋友都知道，选购重疾险不用过于在意重疾种类。<br /></span></section><section ><span ><br /></span></section><section ><span >无论它有100种、120种或150种重疾种类，最高发常见的重疾也就是那25种。<br /></span></section><section ><span ><br /></span></section><p ><span >这25种重疾的理赔占比达到96%左右，并且这25种重疾的理赔定义是由保监会统一规定的。</span></p><section ><br /></section><section ><span >所以在重疾疾病上，各家保险公司的差异都不大，也没什么需要注意的地方。</span></section><section ><span ><br /></span></section><section ><strong><span >但轻症就不一样了，因为轻症没有统一的规范，</span></strong></section><section ><span ><br /></span></section><section ><span >也就导致了不同重疾险之间，轻症责任有着一些差异。</span></section><section ><span ><br /></span></section><section ><span >所以保爷这里建议大家关注两点：<br /></span></section><section ><span ><br /></span></section><ul ><li><p><span style="color: rgb(136, 136, 136)">一是轻症的赔付次数和比例；<br /></span></p></li><li><p><span style="color: rgb(136, 136, 136)">二是常见的高发轻症是否包含。</span></p></li></ul><section ><br /></section><section ><span >有关赔付次数和比例，大家在对比表中可以一目了然的看到。<br /></span></section><section ><span ><br /></span></section><section ><span >关于<strong>高发轻症</strong>，保爷调研了大量疾病数据，总结出了常见的11种高发轻症。</span></section><section ><span ><br /></span></section><section ><span >这里也放出各个保险产品的高发轻症对比数据给大家看下：<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsNbAUuSvdAMJWGHeTYJaqX6VEIibibO44Ur6BUM96BveFg2iaqRJoXaGXpy1BvrfWDZ7usSuvHFzMxw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsNbAUuSvdAMJWGHeTYJaqX6VEIibibO44Ur6BUM96BveFg2iaqRJoXaGXpy1BvrfWDZ7usSuvHFzMxw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >可以看到的是，对于常见高发轻症的覆盖情况，各个主流重疾险还是很不错的。</span></section><section ><span ><br /></span></section><section ><span >但也有产品在这些隐性细节上做的还不够好，比如嘉和保就没有“慢性肾功能衰竭”这个轻症。<br /></span></section><section ><span ><br /></span></section><section ><span >这点大家在选购时产品务必留意，如果有拿不准的地方，也可以直接咨询保爷。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 0, 0)"><strong>保爷再来总结一下：</strong></span></section><section ><span >&nbsp;</span></section><section ><span >无忧人生2020作为横琴人寿寄予厚望的产品，真的做到了当前重疾险的极致。</span></section><section ><span >&nbsp;</span></section><section ><span >低廉的保费、全面的保障、中轻症的赔付比例等已经做到了金字塔顶端的水准。</span></section><section ><span >&nbsp;</span></section><section ><span >无论从哪方面来说，它已经实际取代了超级玛丽2020Max，登上了当前重疾险第一推荐的宝座。</span><br /></section><section ><span >&nbsp;</span></section><section ><span >接下来，对于最近打算配置单次赔付重疾险的朋友，保爷给一份“参考答案”：</span></section><section ><span >&nbsp;</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP3sNkMABfzyh2AuHghLJHqhzxPe6Kx8UkawDHzyFuCKiaem3wbMxOoGg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsKGAiaZUibkOH2kpt3mZdHtP3sNkMABfzyh2AuHghLJHqhzxPe6Kx8UkawDHzyFuCKiaem3wbMxOoGg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span >&nbsp;<span style="color: rgb(127, 127, 127); text-align: center">点击查看大图</span></span><br /></section><section ><span >&nbsp;</span><br /></section><section ><span >保爷每次评测都会说：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>一定要结合我们自己的实际情况来进行取舍，如此才能找到最合适自己的产品。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >所以大家在投保前一定要理清自己的需求再下手。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 0, 0)"><strong>如果投保无忧人生2020，可选责任如何选择？</strong></span></section><section ><span >&nbsp;</span></section><section ><span >这里保爷简单讲解一下无忧人生2020的可选责任，方便大家投保时知道如何选择。</span></section><section ><br /></section><section ><span >保爷建议投保无忧人生时，<span >附加责任如下图这样选：</span></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXIFz5rPZ4QIUQdeufY32L7xmicQNJ0MbmZ0gGnH5ic8XibpYiaN49WOxQTw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXIFz5rPZ4QIUQdeufY32L7xmicQNJ0MbmZ0gGnH5ic8XibpYiaN49WOxQTw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >&nbsp;</span></section><section ><span >1、“恶性肿瘤加油包”，这项建议投保，即癌症可以赔付2次；</span></section><section ><span >&nbsp;</span></section><section ><span >2、“心脑血管疾病加油包”，预算充足的话也建议附加，不充足的话这项可以不加；</span></section><section ><span >&nbsp;</span></section><section ><span >3、“身故或全残保险金”，不建议附加；</span></section><section ><span >&nbsp;</span></section><section ><span >4、“投保人豁免”看自身情况：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">自己给自己投保是不用选的，投保人就是被保人，被保人豁免是自带的。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">给别人投保时，例如夫妻互投，如果投保人的年龄比较年轻且身体健康，就建议附加上投保人豁免，否则不建议加。</span></section><section ><br /></section><section ><span style="color: rgb(255, 0, 0)"><strong>健康告知以及核保是严格还是宽松？</strong></span></section><section ><span >&nbsp;</span></section><section ><span >无忧人生的健康告知有8条，不算多但也不少。</span></section><section ><span >&nbsp;</span></section><section ><span >但好在支持智能核保，在线智能核保会在本周上线。</span></section><section ><span >&nbsp;</span></section><section ><span >健康告知不符合的朋友也可以联系保爷帮你进行核保。</span></section><section ><span >&nbsp;</span></section><section ><span >最后，想了解无忧人生2020更多详情及投保购买，请长按识别下方二维码：</span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXYzmB7QayYnWYj6ic86KVCEFfP74jdvyOr5kvo0pQrhhckqjcmAf2mMQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsNbAUuSvdAMJWGHeTYJaqXYzmB7QayYnWYj6ic86KVCEFfP74jdvyOr5kvo0pQrhhckqjcmAf2mMQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按识别可投保购买【无忧人生2020】</span></section><section ><span >&nbsp;</span></section><section ><span >投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><span >&nbsp;</span></section><section ><span >另外，保爷可协助你申请纸质保单邮寄给你，后续理赔等保单服务都可找保爷协助。</span></section><section ><span >&nbsp;</span></section><section ><span >文中评测到的保险产品，都可通过“懂保爷”公众号“精选保险”菜单或点击文末“阅读原文”找到详细了解、在线投保。</span></section><section ><span >&nbsp;</span></section><section ><span >如果遇到问题可添加保爷微信：dongbaoye999免费贴心咨询。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 0, 0)">相关阅读：</span></section><section ><span >&nbsp;</span></section><section ><span >上一篇单次赔付重疾险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787600&amp;idx=1&amp;sn=278be7fdace2be9e18fc7389e777e98a&amp;chksm=b2b0611285c7e8042cd87e8aaa91466b99a63b6df4caf694322710d165d75d216277c2582859&amp;scene=21#wechat_redirect" tab="innerlink">「优惠宝」重疾险60岁前赠送60%保额：它是最值得买的吗？</a></span></section><section ><span >健康告知、核保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787616&amp;idx=1&amp;sn=23fa5ab6db72ac7a6c51439ca0ba5775&amp;chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&amp;scene=21#wechat_redirect" tab="innerlink">买保险时的「健康告知」以及「核保」，到底该怎么处理？</a></span></section><section ><span >身故责任不建议附加：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447786551&amp;idx=1&amp;sn=441a119c570bdd5d9ac051d5abe8e6f3&amp;chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&amp;scene=21#wechat_redirect" tab="innerlink" ><span >投保重疾险时，到底要不要选「身故」保障？</span></a><br /></section><section ><span >保险公司大小：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787614&amp;idx=1&amp;sn=e62a38e3d44b5e2e61c2172d02a31cca&amp;chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&amp;scene=21#wechat_redirect" tab="innerlink" ><span >没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a><br /></section><section ><span >线上投保：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787719&amp;idx=1&amp;sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&amp;chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&amp;scene=21#wechat_redirect" tab="innerlink" ><span >「网上」买保险靠谱吗？</span></a><br /></section><section ><span >多次赔</span><span >付</span><span >重疾</span><span >险</span><span >评测：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787655&amp;idx=1&amp;sn=7ced0587dca22e659ea4c694d67d5e78&amp;chksm=b2b061c585c7e8d3f5e3ee86e35dbcead368cad8622b015a32909cfbcbadd1883c37c3e7d8b6&amp;scene=21#wechat_redirect" tab="innerlink" >首款不捆绑寿险、不分组的多次赔付重疾险「守卫者3号」，买吗？</a></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</strong><span >—</span></span></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)"><strong >愿你家的保单永不出险！</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong><br /></section><p style="text-align: center"><span style="color: rgb(0, 0, 0)">硬核保险评测、找最高性价比产品</span><br /></p><p style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></p><p style="text-align: center"><span style="color: rgb(33, 89, 103)"><br /></span></p><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，<span style="color: rgb(63, 62, 63); text-align: center">帮忙点个</span><span style="text-align: center; color: rgb(33, 89, 103)"><strong >在看</strong></span><span style="color: rgb(63, 62, 63); text-align: center">，谢谢！</span></span></p></section></section></section>