<section ><br /></section><section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xTDAbNe7JrvnsECwnmfLv6r7fd4082ngZlplF9kXibPjy3bm6MZf9SHg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xTDAbNe7JrvnsECwnmfLv6r7fd4082ngZlplF9kXibPjy3bm6MZf9SHg/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><br /></section><section ><span > </span></section><section ><span >近几个月，重疾险市场是有点沉闷的，造成这种情况的原因主要有两个：</span></section><section ><span > </span></section><section ><strong><span >一是<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787754&idx=1&sn=bae460dddcff047fc32f999492dfbc2c&chksm=b2b061a885c7e8be76cabaa61a0b70a73a3df586c5c655d52ca3b3ed4e7dee6535388a6cafdd&scene=21#wechat_redirect" textvalue="无忧人生2020" tab="innerlink">无忧人生2020</a>太过耀眼；</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><strong ><span >二是因为重疾险的产品形态已经固定下来难以突破。</span></strong><br /></section><section ><br /></section><section ><span >不过好在近期又有两款有意思的新品，大家应该会比较熟悉，分别是：</span></section><section ><span > </span></section><ul ><li ><section ><span >超级玛丽2020Max的升级版：<strong>超级玛丽2号Max</strong>；</span></section></li><li ><section ><span >康惠保2020的升级版：<strong>康惠保2.0</strong>。</span></section></li></ul><section ><span > </span></section><section ><span >实际上，这两款新品中，康惠保2.0是先预告的，但无奈被超级玛丽2号Max半路截胡了。</span></section><section ><span > </span></section><section ><span >可能是因为康惠保系列的口碑一直不错，超级玛丽才选择在这个时间点上来“狙击”它。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">超级玛丽2号Max赶在康惠保2.0上线的前一天上线。</span></section><section ><span > </span></section><section ><span >不管怎么说，这都是有益于我们投保人的良性竞争。</span></section><section ><span > </span></section><section ><span >保爷接下来就带大家仔细评测下这两款新品重疾险，看看无忧人生2020坐了两个月的“重疾险第一推荐宝座”会不会“易主”。</span></section><section ><br /></section><section ><span >本文主要内容包含以下4个方面：<br /></span></section><section ><span ><br /></span></section><ul ><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">重疾险定义和配置等级</span></p></li><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">新品升级了什么</span></p></li><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">9款高性价比重疾险横向对比</span></p></li><li style="color: rgb(33, 89, 103)"><p><span style="color: rgb(33, 89, 103)">重疾险挑选及投保建议</span></p></li></ul><section ><span > </span></section><section ><span >文章很长，全文5000多字，但保爷保证干货满满，大家一定要耐心看完。<br /></span></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、重疾险定义和配置等级</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >老规矩，考虑到可能有些朋友是保险小白。</span><span ><br /></span></section><section ><span > </span></section><section ><span >评测之前，<strong>保爷先带大家了解一下重疾险的概念、配置等级</strong></span><span style="color: rgb(0, 0, 0)">（老朋友可快速滑过这段）</span><span >。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的定义</strong></span></section><section ><span > </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 > </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)"> </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)"> </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 > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的配置等级</strong></span></section><section ><span > </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 > </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</span><span style="color: rgb(136, 136, 136)">（并不是配置越高越适合你哦）</span><span >：</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_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xib5MibrFB5Hy2wG6NK7DzY029pIfJCcxGKOkzJSy9Fraicwpc2S7J16WQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xib5MibrFB5Hy2wG6NK7DzY029pIfJCcxGKOkzJSy9Fraicwpc2S7J16WQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >今天的主角“超级玛丽<span >2号</span>Max”和“康惠保2.0”处在第5等级</span><span style="color: rgb(136, 136, 136)">（等级3和等级5是保爷最推荐的）</span><span >。</span></section><section ><span > </span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >二、超级玛丽2号Max升级了什么</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >关注懂保爷公众号有一段时间的朋友们肯定特别熟悉“<strong>超级玛丽</strong>”这个词，因为保爷评测过的好几款重疾险的名字里面都有它：</span></section><section ><span > </span></section><ul ><li ><section ><span style="color: rgb(127, 127, 127)">2019年4月瑞泰人寿推出“超级玛丽全民版”；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">2019年6月光大永明人寿推出“超级玛丽旗舰版”；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">2019年6月海保人寿推出“超级玛丽多倍版”；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">2019年8月光大永明人寿推出“超级玛丽旗舰版Plus”；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">2019年11月和泰人寿推出“超级玛丽2020”；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">2020年1月信泰人寿推出“超级玛丽2020 Max”。</span></section></li></ul><section ><span > </span></section><section ><span >这几款“超级玛丽”上线时，保爷都是非常推荐的，性价比领先于同时期其它的同类产品，成功地吸引了不少朋友投保。</span></section><section ><span > </span></section><section ><span >今天评测的最新款“<strong>超级玛丽<span >2号</span>Max</strong>”是由信泰人寿推出的</span><span style="color: rgb(136, 136, 136)">（条款名叫：信泰及时雨芯悦版）</span><span >。</span></section><section ><span > </span></section><section ><span >我们先看下它相较于上个版本<strong>超级玛丽2020Max</strong>做了哪些升级：</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%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xOLfrzISzxZhTY7mNS2zsPqItC5PAR4c2n7eQmdibmmy5ebibz2aGQgnA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xOLfrzISzxZhTY7mNS2zsPqItC5PAR4c2n7eQmdibmmy5ebibz2aGQgnA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><section ><span >上图中标记红色的为超级玛丽<span >2号</span>Max相较于旧版超级玛丽2020Max的优势点：</span></section><section ><span > </span></section><ul ><li><p><span style="color: rgb(136, 136, 136)">赠送保额更高，60岁前得重疾，额外赔付60%；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">轻症保障更好，高发轻症“原位癌”可以多赔1次；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">癌症、心血管重疾的二次赔付不捆绑了，可以只附加癌症二次赔付；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">可以二次赔付的心血管重疾多了<strong>脑中风后遗症</strong>这个疾病，并且<span >赔付的间隔期由3年缩短至1年。</span></span></p></li></ul><section ><span ><br /></span></section><section ><strong><span >很明显，超级玛丽<span >2号</span>Max这次升级了很多保障，但保费价格却维持在同一个档次，加量不加价！</span></strong></section><section ><span > </span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >三、横向对比评测</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >升级后的超级玛丽<span >2号</span>Max与当下推荐的高性价比重疾险<span style="color: rgb(127, 127, 127)">（如无忧人生2020等）</span></span><span style="color: rgb(0, 0, 0)">相比，性价比会</span><span >怎么样呢？</span></section><section ><span > </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<span >7款</span>，分别是：</span></section><section ><span > </span></section><ul ><li ><section ><span >无忧人生2020：</span><span style="color: rgb(136, 136, 136)">目前第一推荐，极致性价比</span></section></li><li ><section ><span >超级玛丽2020Max：</span><span style="color: rgb(136, 136, 136)">曾经重疾险的集大成者，有着一流的保障水准</span></section></li><li ><section ><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></section></li><li ><section ><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></section></li><li ><section ><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></section></li><li ><section ><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></section></li><li ><section ><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></section></li></ul><section ><span > </span></section><section ><span >我们加入2款新品<strong>超级玛丽<span >2号</span>Max、康惠保2.0</strong>一起对比下：</span></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%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xyvURyKclqvy2PkCOcuObOwRhlSfeIXXefZMyTCiaoxxKLj4xToqZAGQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xyvURyKclqvy2PkCOcuObOwRhlSfeIXXefZMyTCiaoxxKLj4xToqZAGQ/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 ><br /></span></section><section ><span >为了更加清晰直观，</span><span >我们直接把它们和当前第一推荐的无忧人生2020进行对比：</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%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xDJ5X66DCdkgdLshHXJtia7kfANzcRic1rH3KwKJK3HDjPawGkmDQ8n7w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xDJ5X66DCdkgdLshHXJtia7kfANzcRic1rH3KwKJK3HDjPawGkmDQ8n7w/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); text-align: center">点击查看大图，红色为优势</span></section><section style="text-align: center"><br /></section><section ><span >直接说结论：</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">从基本保障上来看：</span><span >超级玛丽<span >2号</span>Max、康惠保2.0和无忧人生2020互有优劣，但综合重疾/轻症/中症来看，每项都做到极致的超级玛丽<span >2号</span>Max小胜一局</span><span style="color: rgb(136, 136, 136)">（高发轻症“原位癌”可多赔一次）</span><span >；</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">从赠送保额上来看：</span><span >两款新品超级玛丽<span >2号</span>Max、康惠保2.0都是60岁前患重疾赠送60%保额，而无忧人生2020这方面落后一点点；</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">从定期保障上来看：</span><span >超级玛丽<span >2号</span>Max是仅存的定期<span style="color: rgb(127, 127, 127)">（保至70岁）</span>不捆绑身故责任的重疾险了，并且价格也是最低，这点我们没得选，超级玛丽<span >2号</span>Max完胜；</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">从癌症二次赔付上看：</span><span >两款新品和无忧人生2020几乎没有差异，不分胜负，但要注意康惠保2.0是捆绑癌症二次赔付的；</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">从附加癌症二次赔付后的保费价格上看：</span><span >超级玛丽<span >2号</span>Max价格最低，在有超强保障的同时，还能做到这样的低保费，这项不用保爷说，大家应该也知道是谁完胜了。</span></section><section ><span > </span></section><section ><span >所以，综合以上测评来看：</span></section><section ><strong><span ><br /></span></strong></section><section ><strong><span >新品“超级玛丽<span >2号</span>Max”比当前第一推荐的无忧人生2020、比同期上线的另一款新品康惠保2.0都要优秀，性价比之王，成为了新的第一推荐！</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span style="color: rgb(136, 136, 136)">大家可通过“懂保爷”公众号“精选保险”菜单或点击文末“阅读原文”找到超级玛丽2号Max详细了解、在线投保。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>高发轻症对比</strong></span></section><section ><span > </span></section><section ><span >我们再来做个轻症分析，看过保爷文章的朋友都知道，选购重疾险不用在意重疾种类。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">无论它有100种、120种或150种重疾，区别都不大，因为最高发的重疾就那25种，这25种重疾的理赔占比达到95%左右。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">并且这25种最高发的重疾是由银保监会统一定义的，所有保险产品都一样。</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%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xXaLMYwYB63WgVW9jMmQ071tFhCc6AV4g1zWicvsFhljKILny1cWm8aQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xXaLMYwYB63WgVW9jMmQ071tFhCc6AV4g1zWicvsFhljKILny1cWm8aQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">25种重疾理赔占比</span></section><section ><span > </span><span > </span></section><section ><span >所以在重疾疾病上，各家保险公司的差异都不大，并没有什么需要特别注意的地方。</span></section><section ><span > </span></section><section ><span ><strong>但轻症就不一样了，因为轻症没有统一的规范。</strong></span></section><section ><span > </span></section><section ><span >这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 > </span></section><section ><span >保爷建议大家关注两点：</span></section><section ><span > </span></section><ul ><li ><section ><span style="color: rgb(127, 127, 127)">一是轻症的赔付次数和赔付比例；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">二是高发轻症是否包含。</span></section></li></ul><section ><span > </span></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。</span></section><section ><span > </span></section><section ><span >关于高发轻症，<span >保爷调研了大量疾病数据，咨询了专业医生，总结出了以下常见的11种高发轻症</span></span><span >：</span></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%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xiat1baTcWCibicwNbicK9e9Tz8dXtmUgmhXicjL9iaSeflfV4cmyeJ7nLboA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xiat1baTcWCibicwNbicK9e9Tz8dXtmUgmhXicjL9iaSeflfV4cmyeJ7nLboA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section style="text-align: left"><span style="text-align: justify">从上图可以看到，对于高发轻症的覆盖情况，各个主流重疾险做的还是很不错的。</span><br /></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">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。</span></section><section ><span style="color: rgb(136, 136, 136)"> </span></section><section ><span style="color: rgb(136, 136, 136)">这点大家在挑选产品时务必注意 ，如果有拿不准的地方，建议来咨询保爷。</span></section><section ><span ><br /></span></section><section ><span >超级玛丽2号Max的轻症保障是没有问题的，很全面，并且轻度脑中风、较小面积烧伤都是按照中症来赔付的，可以拿到更多的钱。<br /></span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>保爷再来总结下：</strong></span></section><section ><span > </span></section><section ><span >超级玛丽<span >2号</span>Max作为信泰人寿用以“狙击”康惠保2.0的产品，确实赢得了这一局的胜利。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">极高的性价比、全面的保障、一流的保额等都做到了当前重疾险的极致。</span></section><section ><span style="color: rgb(136, 136, 136)"> </span></section><section ><span style="color: rgb(136, 136, 136)">虽然看起来仅仅是堆“参数”，但能将这么多“参数”都堆到当前重疾险的天花板，那也算是本事。</span></section><section ><span > </span></section><section ><strong><span >所以对于最近想买重疾险的朋友，登上单次赔付重疾险第一推荐的超级玛丽<span >2号</span>Max，就是当下最有性价比、最值得买的产品。</span></strong></section><section ><span > </span></section><section ><span >保爷加上多次赔付重疾险，给最近打算配置重疾险的朋友做了一份“参考答案”，这样选择准没错：</span></section><p style="text-align: center"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xmiae97EPGpHyhWAQJV4xtjpqJtUGEIJwhV9fhGG8fOkOVD1ibZAWyVLg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xmiae97EPGpHyhWAQJV4xtjpqJtUGEIJwhV9fhGG8fOkOVD1ibZAWyVLg/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</span></section><section ><span > </span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >四、重疾险投保建议</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>如果投保超级玛丽2号Max，可选责任如何选择？</strong></span></section><section ><span > </span></section><section ><span >保爷简单说一下超级玛丽<span >2号</span>Max的可选责任，方便大家投保时知道如何选择。</span></section><section ><span > </span></section><section ><span >保爷建议投保超级玛丽<span >2号</span>Max时，附加责任如下图这样选：</span></section><section ><span ><strong><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xCdPQZszAMkiaNqsPK67DZSoVdprv2ER6lOfdKjtXAQ9CPia6ib6H6SELQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xCdPQZszAMkiaNqsPK67DZSoVdprv2ER6lOfdKjtXAQ9CPia6ib6H6SELQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong><br /></strong></span></section><section ><strong><span >1、“第二次恶性肿瘤保险金”强烈建议投保：</span></strong></section><section ><span > </span></section><section ><span >保爷之前提过，投保重疾险撇开基本要素，最应该考虑的是癌症的多次赔付<span style="color: rgb(127, 127, 127)">（癌症最高发）</span>。</span></section><section ><span > </span></section><section ><span >一是因为癌症在重大疾病中多次发病的概率最高，这种保障比多次赔付重疾险更优<span style="color: rgb(127, 127, 127)">（多次赔付重疾险，如果没有附加癌症多次赔付的话，癌症只能赔付一次）</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_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xhMddvn0wYeGsWcK8voOysrcByWYeHvERvY1Sz9Mf6rMjdRDV2pzIUQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xhMddvn0wYeGsWcK8voOysrcByWYeHvERvY1Sz9Mf6rMjdRDV2pzIUQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">数据来源：2018泰康人寿理赔大健康年报</span></section><section ><span > </span></section><section ><span >二是因为超级玛丽<span >2号</span>Max附加癌症二次赔付之后，保费没有贵多少，性价比超高！</span></section><section ><span > </span></section><section ><strong><span >2、“第二次特定心脑血管疾病保险金”根据预算来选择：</span></strong></section><section ><span > </span></section><section ><span >心血管重疾二次赔付是能让保障更加全面的可选责任，不像身故责任那样不实用，但唯一的问题是附加后保费有点贵了。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">因此，如果不是预算特别充足，保爷就不建议附加了，毕竟好钢用在刀刃上，优先癌症二次赔付才是王道。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">预算特别充足的朋友，可以附加上这项保障。</span></section><section ><span > </span></section><section ><strong><span >3、“身故或全残保险金”不建议投保：</span></strong></section><section ><span > </span></section><section ><span style="color: rgb(0, 0, 0)">保爷一再强调过，投保重疾险时不建议加上身故保障，身故建议通过定期寿险去保障，这样搭配配置性价比更高、更划算。</span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">具体可以看下这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink">投保重疾险时，到底要不要选「身故」保障？</a></span></section><section ><span > </span></section><section ><span ><span style="text-align: left">另外，保障终身的不含身故责任的重疾险，假如一辈子没有理赔过重疾，最终去世身故了，是可以拿到一笔不少的钱的，即保单的现金价值。</span></span></section><section ><span ><span style="text-align: left"><br /></span></span></section><section ><span ><span style="text-align: left">具体看保爷的这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786340&idx=1&sn=765ccf4a76d4328844404b5ae7679acd&chksm=b2b0662685c7ef302c6752e693f16a6f36647e7b9b2c85dbb953c036b3995f2e22a47a203d6a&scene=21#wechat_redirect" tab="innerlink">你买的保险最后能拿到多少钱？「现金价值」说了算！</a></span></span></section><section ><span ><br /></span></section><section ><strong><span >4、“投保人豁免保费责任”看自身情况：</span></strong></section><section ><span > </span></section><section ><span >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 > </span></section><section ><span >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 ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>关于保险公司</strong></span></section><section ><span > </span></section><section ><span >超级玛丽2号Max背后的保险公司是信泰人寿，可能有一些朋友不了解甚至没听说过这家保险公司，保爷简单给大家介绍下：</span></section><section ><span > </span></section><section ><strong><span >信泰人寿成立于2007年，已经经营13年了，全国分支机构多，注册资本金50亿元人民币。</span></strong></section><section ><span > </span></section><section ><span >偿付能力充足率、风险综合评级都符合监管要求，大家大可放心。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">保爷一直的观点是不用过多关注保险公司的大小，关注保险产品本身就行。</span></section><section ><span style="color: rgb(136, 136, 136)"> </span></section><section ><span style="color: rgb(136, 136, 136)">因为其实根本就没有小保险公司，能开保险公司的都是实力非常雄厚的，背后一大堆boss。</span></section><section ><span > </span></section><section ><span >关于保险公司的大小以及安全性问题，具体可查看这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink">没听过的“小”保险公司的产品能买吗？靠谱吗？</a></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>为什么投保超级玛丽2号Max时，“长期居住地”选不到我的省市？</strong></span></section><section ><span > </span></section><section ><span >超级玛丽<span >2号</span>Max的投保页面上的长期居住地只有北京市、浙江省等13个省市。</span></section><section ><span > </span></section><section ><span >这是不是代表不在那13个地区的朋友就不能投保呢？</span></section><section ><span > </span></section><section ><strong><span >不是的，其他省市的也是可以投保的。</span></strong><span ></span></section><section ><span > </span></section><section ><span >投保地区是银保监会对保险公司的限制，而不是对投保人的限制。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">就好像，香港的保险公司只能在香港销售保险，但内地的客户可以选择去香港买保险。</span></section><section ><span > </span></section><section ><strong><span >这种投保的解决方案就是：异地投保。</span></strong><span ></span></section><section ><span > </span></section><section ><span >具体详情看下这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" tab="innerlink">保险进阶手册之「异地投保」，会影响理赔吗？</a></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong >健康告知以及核保是严格还是宽松？</strong></span></section><section ><span > </span></section><section ><span >超级玛丽2号Max的健康告知有7条，不算多但也不少。</span></section><section ><span > </span></section><section ><span >它支持<strong>在线智能核保</strong>和<strong>人工核保</strong>。</span></section><section ><span > </span></section><section ><span >健康告知以及核保教程看这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&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 ><br /></span></section><section ><span >健康告知不符合的朋友可以联系保爷帮你进行核保。</span></section><section ><span ><br /></span></section><section ><span >想了解<strong>超级玛丽2号Max</strong>更多详情及投保购买，请长按识别下方二维码：</span></section><section ><span > </span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9x0UCW7icACLat23svzbficBFxpheRiaTic14BlpeibTdo09wmHfVdtHVrfEg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9x0UCW7icACLat23svzbficBFxpheRiaTic14BlpeibTdo09wmHfVdtHVrfEg/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【超级玛丽2号Max】</span><br /></section><section ><span ><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><section ><span > </span></section><section ><span >最后保爷跟大家分享一点重疾险的动向。</span></section><section ><span > </span></section><section ><strong><span >大家应该也发现了，<strong ><span >近期</span></strong>很多重疾险都在做同一项改变：捆绑身故责任。</span></strong></section><section ><span > </span></section><section ><span >不仅之前常见的定期<span style="color: rgb(127, 127, 127)">（如保至70岁）</span>会捆绑，甚至有的产品连终身也捆绑身故责任了。</span></section><section ><span > </span></section><section ><span >之所以这么做，其实还是之前重疾险过于“野蛮生长”的缘故。</span></section><section ><span > </span></section><section ><span >因为重疾险无论看起来怎么花里胡哨，保额<span style="color: rgb(127, 127, 127)">（基本保额+赠送保额）</span>、保障<span style="color: rgb(127, 127, 127)">（重疾、中症、轻症）</span>、保费这三项是我们肉眼可见的。</span></section><section ><span > </span></section><section ><span >很多保险公司为了争夺网红地位，就在上面三项上发力过猛，导致现在有点玩脱了。</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">举个例子，主流重疾险的轻症责任现在都是45%的赔付比例，而之前的重疾新规征求意见稿中提到轻症赔付比例是不超过20%。</span></section><section ><span > </span></section><section ><span >所以对保险公司来说，现在只有通过捆绑身故责任和增加不涉及核心保障的“噱头”来提高保费以弥补可能的亏损。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">以前的产品，基本都是上市一段时间后才会捆绑身故，而现在的产品甚至刚上市就捆绑上了。</span></section><section ><span > </span></section><section ><span >我们开头说过，重疾险的产品形态已经趋于完善，就像两款新品虽然比无忧人生2020总体上稍好，但明显还没拉开大的差距。</span></section><section ><span > </span></section><section ><span >因此，与其指望重疾险出个“力压”全部产品的王中王，保爷还是建议最好现在入手保障。</span></section><section ><span > </span></section><section ><strong><span >毕竟双鸟在林不如一鸟在手，重疾险新品虽然稳中有升，但颠覆性产品一时之间可能都不会有了，大家可以放心尽早投保。</span></strong></section><section ><strong><span ><br /></span></strong></section><section ><span >早买早保障，重疾险都有3-6个月的等待期，过了等待期才算真正有了保障。</span></section><section ><span > </span></section><section ><span >今天评测文中提到的产品，都可通过<strong>“懂保爷”公众号“精选保险”</strong>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 > </span></section><section ><span style="color: rgb(136, 136, 136)">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 > </span></section><section ><span >如果遇到问题欢迎添加保爷微信：</span><span style="color: rgb(33, 89, 103)"><strong>dongbaoye999</strong></span><span >免费贴心咨询。</span></section><section ><span ><br /></span></section><section ><span >相关阅读：</span></section><section ><span > </span></section><section ><span >多次赔付重疾险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788030&idx=1&sn=6b3ee0e8f683763ba24a2a2da5cf78cc&chksm=b2b060bc85c7e9aafe144a7c59927d6cd5f3282a04b6ceabd14e9cdc2ac552624024d7c49e26&scene=21#wechat_redirect" tab="innerlink">后浪来了！网红保险公司的爆款重疾险：百惠保</a></span></section><section ><span >线上投保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink">「网上」买保险靠谱吗？</a></span><br /></section><section ><span >保险公司大小：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink">没听过的“小”保险公司的产品能买吗？靠谱吗？</a></span></section><section ><span >异地投保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" tab="innerlink">保险进阶手册之「异地投保」，会影响理赔吗？</a></span></section><section ><span >身故责任：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink">投保重疾险时，到底要不要选「身故」保障？</a></span><br /></section><section ><span >现金价值：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786340&idx=1&sn=765ccf4a76d4328844404b5ae7679acd&chksm=b2b0662685c7ef302c6752e693f16a6f36647e7b9b2c85dbb953c036b3995f2e22a47a203d6a&scene=21#wechat_redirect" tab="innerlink">你买的保险最后能拿到多少钱？「现金价值」说了算！</a></span></section><section ><span >健康告知、核保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&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 ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </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 > <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 >帮忙点个</span><span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
