<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span >意外险分为小孩、成人、老人、高危职业四类人群，</span><span >产品多且</span><span >同质化严重。</span></section><section style="color: rgb(34, 34, 34)"><span >为了从中选到优质产品，我们还是来先了解下意外险的挑选标准，</span></section><section style="color: rgb(34, 34, 34)"><span >一般要重点关注3</span><span >个保障：</span></section><section style="color: rgb(34, 34, 34)"><span ><span ></span></span></section><section ><section powered-by="xmyeditor.com" ><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="text-align: center"><p ><span >01</span></p></section></section><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="color: rgb(85, 145, 242); text-align: center"><p ><span >意外医疗</span></p></section><section powered-by="xmyeditor.com" ><br /></section></section><section powered-by="xmyeditor.com" ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D13%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg&wxfrom=13&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="color: rgb(51, 51, 51)"><p ><span >意外医疗理赔概率是意外险中最高的，它是对因意外伤害导致的医疗费进行报销（<strong ><span style="color: rgb(217, 33, 66)">如因意外导致的磕碰、摔倒、烫伤等</span></strong>）。<br /></span></p></section></section></section></section></section><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="text-align: center"><p ><span >02</span></p></section></section><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="color: rgb(85, 145, 242); text-align: center"><p ><span >意外伤残</span></p></section><section powered-by="xmyeditor.com" ><br /></section></section><section powered-by="xmyeditor.com" ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D13%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg&wxfrom=13&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><p style="color: rgb(51, 51, 51)"><span >因意外致残，保险公司会按照残疾等级按比例赔偿。</span></p><p style="color: rgb(51, 51, 51)"><span >残疾分为十个等级，一级最严重，赔付100%保额，如果是十级，赔付10%保额。</span></p><p style="color: rgb(51, 51, 51)"><span style="color: rgb(217, 33, 66)">注意并非所有意外险都有残疾保障，即便有也还要注意保障的是意外伤残还是必须全残。</span></p></section></section></section></section><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="text-align: center"><p ><span >03</span></p></section></section><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="color: rgb(85, 145, 242); text-align: center"><p ><span >意外身故</span></p></section><section powered-by="xmyeditor.com" ><br /></section></section><section powered-by="xmyeditor.com" ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><br /></section><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" style="color: rgb(51, 51, 51)"><p ><span >当被保人因意外导致身故，受益人获得保险金赔付，这个是意外险最基本的保障责任。</span></p><section ><span >除上面3个外，就要看是否有猝死责任，有无住院津贴和驾乘汽车等额外保障了。</span></section></section></section></section></section></section></section></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">要是以上保障都相同，</span><span style="color: rgb(0, 0, 0)"></span><span style="color: rgb(0, 0, 0)">那就再对比他们的附加服务和价格。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">简单来说，就是相同保障选低价、相同价格选保</span><span style="color: rgb(0, 0, 0)">障多的。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">一、<span style="color: rgb(33, 89, 103)">少儿意外险</span></span></strong></span></section><section style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(0, 0, 0)">小朋友在成长阶段总会遇到一些磕碰摔跤、烧伤烫伤、猫狗抓伤等意外。</span></span></section><section style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(0, 0, 0)">所以在为儿童挑选意外险时，要把重点放到意外医疗、住院津贴、附加服务上。</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBvvrXato8HD5NJbAO65ibGXO8Y7mv24beEL54Lf0LricbJyQcBZwPY3gwgTRhAEroxL17oGegia7KNg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBvvrXato8HD5NJbAO65ibGXO8Y7mv24beEL54Lf0LricbJyQcBZwPY3gwgTRhAEroxL17oGegia7KNg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">我们统一选取20万保额进行对比，</span><span style="color: rgb(0, 0, 0)">四款的基础保障都很齐</span><span style="color: rgb(0, 0, 0)">全，</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">几乎涵盖了跌倒坠落、烧烫伤、异物误食、交通事故、动物咬伤抓伤、触电、溺水等保障。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)"></span></section><section style="text-align: left"><span ><strong ><span style="color: rgb(0, 122, 170)">top1：小神童5号-基础保费66元</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">基础保障齐全，意外医疗4万，0免赔、不限社保100%报销。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">住院津贴50元/天，保费最低只要66元。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">保单内包含很多特色功能：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">有意外伤害美容缝合、牙齿修复、救护车费用报销、骨折/脱臼保险金、监护人责任、特定情形意外伤害，涵盖孩子成长中大大小小的意外可能。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span ><strong ><span style="color: rgb(0, 0, 0)">需要注意的是</span></strong><span style="color: rgb(0, 0, 0)">，</span><span style="color: rgb(0, 0, 0)">如果投保时，宝宝患有精神、行为障碍或患有恶性肿瘤、心脏病、肢体瘫痪，则不在承保范围内。</span></span></section><section ><span style="color: rgb(0, 122, 170)"><strong >top2：<span style="color: var(--weui-LINK)">小顽童</span>6号-基础保费68元</strong><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">基础保障上和小神童5号差不多，但伤残保障最高40万，无住院补贴，需要额外花6元附加。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">其他保障上，可以拓展私立医院、有烫烧伤、预防接种身故/伤残等附加福利。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">健康告知非常宽松，就医限制宽松。</span></section><section ><span style="color: rgb(0, 122, 170)"><strong >top3：兔保保-基础保费82元</strong><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">意外医疗有5万，0免赔、不限社保100%报销。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">特定传染病住院津贴50元/天</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">其他保障上，可以享受每年一次儿童眼科、齿科增值服务也是非常不错的。<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">可以附加公共交通保障、骨折/脱臼保障。</span></section><section ><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170); text-align: left">top4：大保镖Ⅱ少儿意外险-基础保费80元</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">这款的保单内容非常直观简单，只有基础保障。<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">意外身故/伤残保额20万，不过意外医疗保额有10万，0门槛、不限社保100%报销非常充足。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">住院津贴也是最多的，每天补助100元/天；附加服务只有2个。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">二、成人意外险</span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBvvrXato8HD5NJbAO65ibGXq17eiaZYroFUib0txpCwJT39dyOQoBSZCw08S2Xx95S0nG7SicERyrKOw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBvvrXato8HD5NJbAO65ibGXq17eiaZYroFUib0txpCwJT39dyOQoBSZCw08S2Xx95S0nG7SicERyrKOw/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">top1：小蜜蜂5号-基础保费296元</span></strong></span><o:p ></o:p></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">小蜜蜂5号，身故/伤残保险金100万。</span></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">意外医疗10万，0免赔，不限社保范围能100%报销。</span></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">意外交通的赔付额度也非常高。</span></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">其他保障也很丰富，有特定传染病住院津贴，特定传染病身故（包含新冠），</span></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)">以及公共场所的第三者责任保障和新增的动物致伤医疗保险。</span></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">但需要注意的是</span></strong><span style="color: rgb(0, 0, 0)">，超过50岁猝死的不赔付，以及超过2米以上高空作业、电力或电压作业的也不承保。</span></span></section><section style="text-align: left"><span >个别医院医院不承担意外医疗费用、骨折保险金、意外伤害住院津贴。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzO324G0xicZ6ZAPPjEO5V0udtoqWOibicSIzJhHNbJ9d1aM0kL4wAqxiahQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzO324G0xicZ6ZAPPjEO5V0udtoqWOibicSIzJhHNbJ9d1aM0kL4wAqxiahQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">总体来说，小蜜蜂5号的保障齐全，附加保障丰富，投保也相对容易，值得选择。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">top2：大护甲6号-基础保费288元</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">基本医疗保障和小蜜蜂5号一致。</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">都是0免赔、不限社保范围能100%报销。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">在其他保障上有意外伤骨折脱臼、骨折后期医疗费用等。</span><o:p ></o:p></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">不过它的猝死保障比其他产品更宽松，在3天内的都能赔付，时间越长对我们越有利。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">需要注意的是，大护甲6号在医院方面有些地区的医院不在医疗范围内：</span></section><section style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSPT3LcfZVkMld0KxIZ81icyxRialun0XpHs4fGrPtLbxOwYHgYapibWrafJkOMpQ4yuKHQyibBlzqe6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSPT3LcfZVkMld0KxIZ81icyxRialun0XpHs4fGrPtLbxOwYHgYapibWrafJkOMpQ4yuKHQyibBlzqe6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong >缺点就是风控较严格，不太好买。</strong></span></section><section style="text-align: left"><span ><span style="color: rgb(0, 122, 170)"><strong ><span style="text-align: justify">top3：小蜜蜂轻享版</span></strong></span><span style="text-align: justify"><br /></span></span></section><section style="text-align: left"><span >身<span style="color: rgb(0, 0, 0)">故/伤残保额50万，意外医疗4万，有100元赔付门槛，限社保内100%报销</span></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">除此之外还有住院费用垫付、报销救护车费用服务。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">虽然，小蜜蜂轻享版的保障没有前几款丰富，但它的投保条件非常宽松。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">不限地区、不限医院（二级及以上公立医院范围内），没有健康告知，丰富了亚健康人群投保意外险的机会。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB9M50w178EkfLm4fjiaTdH8icHapYjnNDWOK2j1nqdZoGp4b2zaBN2r48KhDHiblORfp8ontqoibiaj0A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB9M50w178EkfLm4fjiaTdH8icHapYjnNDWOK2j1nqdZoGp4b2zaBN2r48KhDHiblORfp8ontqoibiaj0A/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">剩下的产品中，</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">青龙卫2号</span></strong></span></section><section ><span >在身故/伤残保障和意外医疗方面和以上两位一致。</span></section><section ><span >但猝死责任也有限制，55岁以上猝死赔付一半保额~</span></section><section ><span style="text-align: left">并且还有其他要注意的地方：<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lz3rSibicTfqvBSibChWpN0HoUia6xo2FdI7lGz9QFYlKrzt2oZQVN3rHgSA%2F640%3Fwx_fmt%3Djpeg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lz3rSibicTfqvBSibChWpN0HoUia6xo2FdI7lGz9QFYlKrzt2oZQVN3rHgSA/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">人保-统护卫</span></strong></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">基础保障和前两款一致，但保单的附加功能比较单调，只有2个，报销救护车费用和骨折/脱臼费用。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">并且住院津贴100元/天，最高只能报销3天；医院限制也很多。<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB9M50w178EkfLm4fjiaTdH8BiaEzfoteV385ibkFqIyp7er9Hdqm8xwp0h2clTEdHNu9b7xqoI3icibHg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB9M50w178EkfLm4fjiaTdH8BiaEzfoteV385ibkFqIyp7er9Hdqm8xwp0h2clTEdHNu9b7xqoI3icibHg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span ><strong ><span style="color: rgb(0, 0, 0)">总的来说，</span></strong></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">小蜜蜂5号、大护甲6号不论是保单保障还是保费上都是性价比最高的，值得优选。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">三、中老年人意外险</span></strong></span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">父母年纪大了后，身体不在像年轻人这么“抗造”，不小心磕碰到了就容易骨折/脱臼，</span></section><section style="text-align: left"><span style="color: rgb(0, 0, 0)">所以我们在挑选中老年人意外险时，要更关注保单的意外医疗、意外骨折的保额上。</span></section><section ><section ><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBvvrXato8HD5NJbAO65ibGXh1JZCURcDQBoEAVJwAQxIgMfYJytyz8p9E64JmwTojgMBicInwSiaY0w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBvvrXato8HD5NJbAO65ibGXh1JZCURcDQBoEAVJwAQxIgMfYJytyz8p9E64JmwTojgMBicInwSiaY0w/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">top1：大护甲5号（高龄版）-超高性价比</span></strong></span><o:p ></o:p></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">在相同保额上，大护甲5号（高龄版）的意外医疗保险金有5万，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">0免赔、不限社保100%报销，还有住院津贴80元/天和重症住院津贴320元/天。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">其他保障还包含意外骨折/脱臼，还能报销救护车费用。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">不过，大护甲 5 号（高龄版）对被保人有以下健康告知，相对宽松。</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FSOC3tnJeIVkyCNDA4xORCyzvbVXfImlqKjGQyia9chHlAHwXH9REYAZes9GznICm9qOuo3vdH6NlUApztJViaLSw%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/SOC3tnJeIVkyCNDA4xORCyzvbVXfImlqKjGQyia9chHlAHwXH9REYAZes9GznICm9qOuo3vdH6NlUApztJViaLSw/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></p><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">如果父母存在健康告知列明的任一疾病或状况就不能给他们投保了。</span></section><section ><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">top2：孝心安3号</span></strong></span><span ><span style="color: rgb(0, 0, 0)"><br /></span></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">孝心安3号的基础保障和大护甲5号（高龄版）一致，都有住院津贴，普通住院津贴100元/天，重症住院200元/天。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">其他保障里不仅包含救护车费用、意外骨折/脱臼保险金，还包含异地亲属慰问探望费用。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">在保费上面，要比大护甲5号（高龄版）略贵了十几块二十块。<br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(0, 0, 0)">但是，孝心安3号同样有健康告知需求要比大护甲更加严格。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB9M50w178EkfLm4fjiaTdH8elvEdRUTbuDDu2HWvbY9VBbIV001P7wuZZFOUZpppVenc5BtLngL2w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB9M50w178EkfLm4fjiaTdH8elvEdRUTbuDDu2HWvbY9VBbIV001P7wuZZFOUZpppVenc5BtLngL2w/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 122, 170)"><strong ><span style="color: rgb(0, 122, 170)">top3：众安-孝欣保3号</span></strong></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">虽然保障也很齐全，但保额较低，意外身故保额只有5万、意外医疗只有、2万，在责任内0免赔，社保内报销100%。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">附加保障丰富，但没有骨折/脱臼保障，只能自己额外附加。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">保费方面76岁-85岁投保会比较贵。<br /></span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">不过孝欣保3号的健康告知最宽松，很容易通过。<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB9M50w178EkfLm4fjiaTdH84fNX44FUMMcOTohibmC7Uh5btjEsJyydfUnjG08hI4hqwbSKcK5zgfA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB9M50w178EkfLm4fjiaTdH84fNX44FUMMcOTohibmC7Uh5btjEsJyydfUnjG08hI4hqwbSKcK5zgfA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">这3款中，我还是最推荐大护甲5号（高龄版），意外医疗保额高、不限社保、0免赔、100%报销，</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">还包含骨折/脱臼保障，保费也是最低的，健康告知也不是非常严格。</span></section><p style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">四、高危职业意外险</span></strong></span></p><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">对于中高风险职业的人群来说，普通的意外险很难买到，在挑选时尽量选择承保职业更广、保障责任齐全的意外险。</span></section><section ><section ><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBvvrXato8HD5NJbAO65ibGXHLwQ7GHKPQibBHDNILs23w8aGtJPJwxIjOchhBvMfbywTekw3Lr6ldA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBvvrXato8HD5NJbAO65ibGXHLwQ7GHKPQibBHDNILs23w8aGtJPJwxIjOchhBvMfbywTekw3Lr6ldA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">4类职业建议优先选择金钟罩意外险</span></strong><span style="color: rgb(0, 0, 0)">，</span></span></section><section style="color: rgb(34, 34, 34)"><span ><span style="color: rgb(0, 0, 0)">身故/伤残保额50万，意外医疗3万，有100元的<span style="color: var(--weui-LINK)">免赔额</span>，不限社保范围报销90%，也有交通意外额外赔，价格方面相比于其它同类型产品也更有优势。</span></span><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">目前这款产品没有健康告知，对保额要求不高的人群可以考虑，而且买完隔天就能生效。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)"><strong ><span >其次是大保镖Ⅱ综合版，</span></strong></span><span style="color: rgb(0, 0, 0)">基础保障和金钟罩差不多，但报销范围限制在社保内且只能报销80%。</span></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">不过它还有住院津贴150元/天，和猝死保障25万，保费也比较便宜只要350元，预算不太多的直接选它，性价比非常高！</span></section><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(0, 0, 0)"><strong ><span style="color: rgb(0, 0, 0)">5-6类的职业人群</span></strong></span><span style="color: rgb(0, 0, 0)">，</span></span><span ><span style="color: rgb(34, 34, 34)">这款华泰</span><span style="color: rgb(0, 0, 0)">1-6类意外险，保障也还不错，健康告知要求也非常宽松。</span></span></section><p style="color: rgb(34, 34, 34)"><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">五、文末小结</span></strong></span></p><section ><span style="color: rgb(0, 0, 0)">看了这么多款产品，最后再回顾下哪些产品值得买：</span></section><section ><section ><section style="color: rgb(34, 34, 34)"><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">少儿意外险推荐：<strong>小顽童6号、小神童5号</strong>；<br /></span><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">成人的意外险首选<strong>小蜜蜂5号、大护甲6号</strong>；</span><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">老人意外险推荐，<strong>大护甲5号（高龄版）</strong>；</span><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">高危职业4类的，预算充足选众安的<strong>金钟罩</strong>、预算一般选<strong>大保镖Ⅱ综合版</strong>。</span><o:p ></o:p></section><section style="color: rgb(34, 34, 34)"><span style="color: rgb(0, 0, 0)">5-6类的，建议选择<strong>华泰1-6类职业版</strong>。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSPT3LcfZVkMld0KxIZ81icysyJjQGKb2M61q3TmXRiadiaKkD5jZgw4CS7XZOjrAlu9jc3RHQHNzNww%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSPT3LcfZVkMld0KxIZ81icysyJjQGKb2M61q3TmXRiadiaKkD5jZgw4CS7XZOjrAlu9jc3RHQHNzNww/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><section ><section ><section ><p ><strong><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></strong><span ></span></p><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&mid=2247498620&idx=1&sn=63c7d116b63938f4fb79c716b5140f26&chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile><span style="text-align: center; color: rgb(178, 178, 178)"></span><span ></span></section></section></section></section></section></section></section></section></section></section></section><p ></mp-style-type></p>
