「达尔文3号」重疾险评测预告

<section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFTvrL3qQwyKVKa5Rvw34G3SaLFyhdX54cSy4CAJyoibr5aibXlWrCI9zw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFTvrL3qQwyKVKa5Rvw34G3SaLFyhdX54cSy4CAJyoibr5aibXlWrCI9zw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >大家好，我是保爷。</span><br /></p><p ><span >&nbsp;</span></p><p ><span >今天来同步一则新品消息：</span></p><p ><span >&nbsp;</span></p><p ><strong><span >沉寂许久的【达尔文系列】重启，「达尔文3号」重疾险现已上架。</span></strong><span ></span></p><p ><span >&nbsp;</span></p><p ><span >并且这次达尔文3号的复出还做出了以下突破：</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、重疾赠送保额突破</span></strong></span></p><p ><span >&nbsp;</span></p><p ><span >达尔文3号首次将重疾险的额外赔付比例提升到<strong>80%</strong></span><span style="color: rgb(123, 127, 131)">（60岁前首次患重疾）</span><span >，也就是说50万保额的重疾险出险能赔90万！</span></p><p ><span >&nbsp;</span></p><p ><span >而此前额外赔付最高比例为60%。</span></p><p ><span >&nbsp;</span></p><p ><strong><span style="color: rgb(33, 89, 103)">二、轻症责任突破</span></strong></p><p ><span >&nbsp;</span></p><p ><span >达尔文3号轻症责任中，<strong>原位癌、特定心血管轻症</strong></span><span style="color: rgb(123, 127, 131)">（不典型心肌梗塞、微创冠状动脉搭桥术、微创冠状动脉介入术）</span><strong><span >可</span></strong><span ><strong>赔付2次</strong>！</span></p><p ><span >&nbsp;</span></p><p ><span >举个例子：</span><span ></span></p><p ><span >&nbsp;</span></p><p ><span >一般患过心血管轻症</span><span style="color: rgb(123, 127, 131)">（不典型心肌梗塞、微创冠状动脉搭桥术、微创冠状动脉介入术）</span><span >中的一种后，这3种轻症再患是不会赔的，哪怕轻症赔付次数还没用完。</span></p><p ><span >&nbsp;</span></p><p ><span >但达尔文3号可以，第一次患上这3种心血管轻症，第二次再患上还是可以赔！</span></p><p ><span >&nbsp;</span></p><p ><strong><span style="color: rgb(33, 89, 103)">三、中症责任突破</span></strong></p><p ><span >&nbsp;</span></p><p ><span >达尔文3号中症责任中，<strong>中度脑中风可赔付2</strong><strong>次</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >和轻症类似，虽说重疾险中症能赔付2次，但第一次赔付过的病，第二次再患上是不赔的。</span></p><p ><span >&nbsp;</span></p><p ><span >但达尔文3号中度脑中风这项轻症可以赔2次，而且第二次不占用赔付次数。</span></p><p ><span >&nbsp;</span></p><p ><span >就是说如果患过2次中症</span><span style="color: rgb(123, 127, 131)">（都是中度脑中风）</span><span >后，还能再赔1次中症。</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(33, 89, 103)"><strong><span >四、癌症、心脑血管重疾二次赔付突破</span></strong></span><span ></span></p><p ><span >&nbsp;</span></p><p ><span >当前市面上的主流重疾险中，通常癌症、心脑血管重疾二次赔付都是按120%重疾保额赔付。</span></p><p ><span >&nbsp;</span></p><p ><span >而达尔文3号这次将癌症、心脑血管重疾二次赔付比例提升到了<strong>150%</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >30%的增量确实相当优秀！</span></p><p ><span >&nbsp;</span></p><p ><strong><span >这里放一个和当前市面主流重疾险的对比评测表：</span></strong><span ></span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFviaITWO2icXD64uM19Xuee6lOmL3f7yHXia2YIcLokPISn3Tnn0kmTnSg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFviaITWO2icXD64uM19Xuee6lOmL3f7yHXia2YIcLokPISn3Tnn0kmTnSg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >为了更加直观，我们把达尔文3号和当前第一推荐的<strong>超级玛丽2号Max</strong>对比下：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFhcIKBdriaAeSiayV4kibWUuOZSTjhlvxaGyKKREwuEAiba6gIWMZeA0xPw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFhcIKBdriaAeSiayV4kibWUuOZSTjhlvxaGyKKREwuEAiba6gIWMZeA0xPw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /><span ></span></p><p ><span >简单说个结论就是：</span></p><p ><span >&nbsp;</span></p><p ><strong><span >达尔文3号目前刷新了重疾险保障的天花板，无出其右。</span></strong></p><p ><br /></p><p ><strong><span >单从保障来看，目前第一推荐的超级玛丽2号Max都有所不如，但它的保费也相应有所增加，属于加量又加价。</span></strong><span ></span></p><p ><span >&nbsp;</span></p><p ><strong><span style="color: rgb(33, 89, 103)">那现在的成人重疾险该怎么选呢？</span></strong><span style="color: rgb(33, 89, 103)"></span></p><p ><span >&nbsp;</span></p><p ><span >保爷再放一个现在的投保思路图，先睹为快：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZF7g8Se7RUic9YzADuXTeick2uTJ8U8UGWOxmBte0CqFM1klsQ2RAJRCvQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZF7g8Se7RUic9YzADuXTeick2uTJ8U8UGWOxmBte0CqFM1klsQ2RAJRCvQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >&nbsp;</span></p><p ><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)">至于为什么这么选择？</span></span></p><p ><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)"><br /></span></span></p><p ><span style="color:#215967"><span >达尔文3号和超级玛丽2号Max孰优孰劣？</span></span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(33, 89, 103)">达尔文3号的保障又能否撑得起它的加价呢？</span><strong><span style="color: rgb(33, 89, 103)"></span></strong></p><p ><span >&nbsp;</span></p><p ><span >这几点保爷会在明晚的达尔文3号评测中详细分析，届时还会放出完整的对比评测及产品剖析，敬请期待。</span></p><p ><span ><br /></span></p><section ><span >想提前了解</span><span ><strong >【达尔文3号】</strong></span><span >重疾险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><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFxgD7RrS5oXVWKiaQLdK4U4iaYRfGehY1oY8iaES8mRZe1ynhCdgvS4vvA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFxgD7RrS5oXVWKiaQLdK4U4iaYRfGehY1oY8iaES8mRZe1ynhCdgvS4vvA/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)">长按识别可投保购买【达尔文3号】</span></section><p ><span >&nbsp;</span></p><p ><span >今天的预告就到这里，明天见。</span></p><p ><br /></p><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></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></section><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>