<section ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">前段时间，跟大家聊过重疾险，我说：</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247503310&idx=1&sn=8ca9d86c02cc6a1977e95f314b01f5bf&scene=21#wechat_redirect" textvalue="如果重疾险还没买，我建议6月底前尽早配置" linktype="text">如果重疾险还没买，我建议6月底前尽早配置</a></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">原因主要有两个：</span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一个是</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >未来重疾险可能越来越贵；</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另一个是</span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾险也不是你想买的时候就能买的，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>最值得抓紧的，就是你现在还健康的这个状态。</span></span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>所以我觉得如果你还没有配置过保障类保险，或者重疾险本来就在你的计划之内，那么趁现在身体条件还不错的时候，就要把重疾险提前配置好~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >趁着最近有空，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我把目前咨询量最高的4款成人重疾险重新做了一轮对比，包括：</span></span></p><ul ><li style="color: rgb(255, 79, 121)"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">复星联合-达尔文12号</span></span></section></li><li style="color: rgb(255, 79, 121)"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">君龙人寿-超级玛丽16号PRO</span></span></section></li><li style="color: rgb(255, 79, 121)"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">复星联合-完美人生8号</span></span></section></li><li style="color: rgb(255, 79, 121)"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">海保人寿-哪吒2号</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >主要从</span><span text >基础保障、自带保障、可选责任、价格</span><span text >四个方面来看，大家可以根据自己的需求选择。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >文章会比较长，时间有限的朋友，可以直接来问我。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">一、基础保障</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPln9y6K9G5zCaejcMDanjyB7MCZGhW9Z330AxjSrdD7ymtGfpoOicQwLjRGaWsNGnmRSx5ksuEd9bmDrlqRsUt7k3d7nNrG910%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPln9y6K9G5zCaejcMDanjyB7MCZGhW9Z330AxjSrdD7ymtGfpoOicQwLjRGaWsNGnmRSx5ksuEd9bmDrlqRsUt7k3d7nNrG910/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先看基础保障，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >四款产品都覆盖</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾+中症+轻症</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，基础保障都很完整，属于目前第一梯队产品。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾赔付后，中轻症责任依旧有效，这一点都没有问题。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过细看下来，还是有几个区别值得关注：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一，疾病覆盖数量</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >完美人生8号覆盖</span><span text style="color: rgb(255, 79, 121)">135种重疾、50种轻症</span><span text >，是四款里最多的；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号120种重疾、45种轻症；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽16号PRO和哪吒2号都是110种重疾。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过说实话，真正高发疾病基本都覆盖到了，多一些少一些其实影响不大。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二，中轻症赔付方式</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号、完美人生8号、哪吒2号都采用</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">轻中症不分组赔付</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我解释一下，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不分组意味着一种疾病理赔后，不会影响其他疾病继续获赔，相比需要分组的产品，赔付限制更少，</span><span text style="color: rgb(255, 79, 121)">保障体验更好</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >其中：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号：轻症</span><span text style="color: rgb(255, 79, 121)">4次</span><span text >、中症</span><span text style="color: rgb(255, 79, 121)">3次</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >完美人生8号：轻中症共享</span><span text style="color: rgb(255, 79, 121)">6次</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >哪吒2号：轻症</span><span text style="color: rgb(255, 79, 121)">4次</span><span text >、中症</span><span text style="color: rgb(255, 79, 121)">3次</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽16号PRO</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">轻中症</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >分组，并且轻中症共赔6次，不过</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >中症赔付比例最高可达</span><span text style="color: rgb(255, 79, 121)">75%保额</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span><span text style="color: rgb(255, 79, 121)">赔付力度更强</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >第三，投保规则</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >哪吒2号支持</span><span text style="color: rgb(255, 79, 121)">1-6类职业</span><span text >，是四款里职业限制</span><span text style="color: rgb(255, 79, 121)">最宽松</span><span text >的一款；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号缴费最长35年，而且还能选择保至70岁，更适合</span><span text style="color: rgb(255, 79, 121)">预算有限</span><span text >的人。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过整体来看的话，四款产品基础保障都很扎实，没有明显短板。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">二、自带保障</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >自带责任这块，每款产品强化的方向完全不同：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOQuFFhy9wy7RZN00fl6jYAGkeicvgJQ3ekRJTSvBLTFag4ffhicLTML2CtxY31lfIicXN8icM27L9WVDmib1UCXZZmurQEZzCuOS2c%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOQuFFhy9wy7RZN00fl6jYAGkeicvgJQ3ekRJTSvBLTFag4ffhicLTML2CtxY31lfIicXN8icM27L9WVDmib1UCXZZmurQEZzCuOS2c/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果只看自带保障数量，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽16号PRO是四款产品里面最多的，自带了结节保障、癌症拓展金、重疾医疗费用保险金等多项责任；达尔文12号、完美人生8号和哪吒2号就相对精简一些。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过，自带保障并不是越多越好，更重要的是这些责任是不是自己真正需要，所以我们重点再看看每款产品的保障方向。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >1）达尔文12号</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号自带了</span><span text style="color: rgb(255, 79, 121)">意外导致重疾额外赔35%</span><span text >、60岁后住院津贴以及被保人豁免等责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >虽然数量不是最多，但都是比较实用、发生概率较高的保障。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >特别是</span><span text style="color: rgb(255, 79, 121)">住院津贴</span><span text >，</span>可以补贴老年无收入期间的住院疗养成本，实用性很强。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >我再解释一下</span><span text style="color: rgb(255, 79, 121)">被保人豁免</span><span text >，就是</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >被保人确诊轻症/中症/重疾并获赔后，后续所有未交的保费全部免交，合同保障继续有效，也很实用。</span></span></span></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）超级玛丽16号PRO</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgba(0, 0, 0, 0.9)">除了肺结节、乳腺结节、甲状腺结节保障之外，还自带癌症拓展金、重疾医疗费用保险金等责任，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgba(0, 0, 0, 0.9)">是四款里面自带保障最丰富的一款。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgba(0, 0, 0, 0.9)">解释一下</span><span text style="color: rgba(0, 0, 0, 0.9)">重疾医疗费用保险金</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>，就是确诊重疾后，除了赔付重疾保险金外，还能额外</span></span><span><span text style="color: rgb(255, 79, 121)">补贴部分医疗费用</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>，能减轻治疗压力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果</span><span text style="color: rgb(255, 79, 121)">没买百万医疗险、本身有结节，或者家族癌症史比较明显</span><span text >，可以重点关注这款产品。</span></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >3）完美人生8号</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >完美人生8号最大的特色，是</span><span text style="color: rgb(255, 79, 121)">女性相关责任</span><span text >：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >女性特定疾病首次确诊，可</span><span text style="color: rgb(255, 79, 121)">额外赔10%保额</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，还有癌症重度拓展金，能额外赔</span><span text style="color: rgb(255, 79, 121)">50%</span><span text >；也自带被保人豁免。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对于女性投保人来说，会更有针对性一些。</span></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >4）哪吒2号</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >哪吒2号同样覆盖了肺结节、乳腺结节、甲状腺结节等高发疾病相关责任，还自带了重疾拓展金以及被保人豁免，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >在这几款里其实不算特别有吸引力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >总之，如果只看自带保障，超级玛丽16号PRO确实更有优势，责任数量更多、覆盖也更广；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号够实用；完美人生8号更适合女性；哪吒2号则属于中规中矩的类型。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不过，自带保障只是挑选重疾险的一部分，</span></span><span><span text >我们继续看看</span></span><span><span text >可选责任和价格。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">三、可选责任</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果说自带责任决定产品特色，那可选责任决定的就是产品的保障上限。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >四款产品可选的保障数量和内容都有点区别：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNqlojHhWHlgSmu5ROiad4HqXjF0a6xUOTTX2EvW0weBUIAUhuggjmXzkZaPKsNbcay9MPt5zaPC5U8SD6fEdt8ywWJXKAPFI3E%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNqlojHhWHlgSmu5ROiad4HqXjF0a6xUOTTX2EvW0weBUIAUhuggjmXzkZaPKsNbcay9MPt5zaPC5U8SD6fEdt8ywWJXKAPFI3E/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >达尔文12号</span></span></strong><span><span text >可选重疾多次赔、疾病关爱金、癌症津贴、</span></span><span><span text >顶梁柱关爱金、重疾</span></span><span><span text >保费补偿金等。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >顶梁柱关爱金还挺有特色的，适合家庭支柱投保。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >超级玛丽16号PRO</span></span></strong><span><span text >几乎把目前热门责任都覆盖了，包括重疾多次赔、癌症多次赔、疾病关爱金、癌症津贴、癌症持续治疗金等，在癌症上的保障很全面。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >完美人生8号</span></span></strong><span><span text >除了癌症、重疾多赔外，还增加了特定心脑血管疾病保障、二次癌症责任等，更适合关注心脑血管疾病的人群。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >哪吒2号</span></span></strong><span><span text >更加简单，就癌症津贴、重疾多次赔、疾病关爱金、身故责任这些主流责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">一般来说，我更建议优先加一项</span></span><strong><span><span text style="color: rgb(255, 79, 121)">重疾多次赔</span></span></strong><span><span text style="color: rgb(255, 79, 121)">或者</span></span><strong><span><span text style="color: rgb(255, 79, 121)">癌症保障</span></span></strong><span><span text style="color: rgb(255, 79, 121)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这两个部分每个产品保障的有些区别，我挑出来简单说一下：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >① 重疾多次赔</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >四款产品都支持附加重疾多次赔，不过赔付力度还是有区别。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >超级玛丽16号PRO</span></span></strong><span><span text >赔付比例最高，每次可赔</span></span><strong><span><span text style="color: rgb(255, 79, 121)">150%保额</span></span></strong><span><span text >；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >达尔文12号、完美人生8号以及</span></span><strong><span><span text >哪吒2号都是</span></span></strong></strong><span><span text >可赔</span></span><strong><span><span text style="color: rgb(255, 79, 121)">120%保额</span></span></strong><span><span text >；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >以50万保额为例，150%和120%的差距就是15万元，赔付力度还是比较明显的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >② 癌症保障</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >癌症是重疾理赔中占比最高的一类疾病，因此这项保障也很值得关注。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >四款产品都有癌症保障，不过保障方向略有不同。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >超级玛丽16号PRO</span></span></strong><span><span text >除了癌症多次赔外，还能附加</span></span><strong><span><span text style="color: rgb(255, 79, 121)">癌症重度特效药治疗金</span></span></strong><span><span text >，对于癌症复发、转移、持续治疗等情况保障更充分。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >完美人生8号</span></span></strong><span><span text >是可以多次赔/二次癌症二选一，二次癌症赔付高达</span><span text style="color: rgb(255, 79, 121)">120%</span><span text >，自主性更强。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >达尔文12号</span></span></strong><span><span text >和</span></span><strong><span><span text >哪吒2号</span><span text >没什么特别的，都是</span></span></strong><span><span text >以主流的癌症保障为主，能够满足大多数家庭的保障需求。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >整体来看，四款产品在重疾和癌症保障上都比较完善，只是赔付力度和保障方向有所不同。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >预算有限的话，优先附加一项重疾多次赔或癌症保障即可；预算充足，再根据自身情况选择更有针对性的责任。</span></span></strong></p><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">四、价格对比</span></span></h1><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >同样按照</span></span><strong><span><span text >50万保额、保终身、30年缴费</span></span></strong><span><span text >测算：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXO3oILabJXicmConkI4la4janPvYick7asicam1BSIzOrdaqJhE352uO3HzyWo8jJSGDjPzPconiahgwfEC7TerwTHOgTicmytOpdHM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXO3oILabJXicmConkI4la4janPvYick7asicam1BSIzOrdaqJhE352uO3HzyWo8jJSGDjPzPconiahgwfEC7TerwTHOgTicmytOpdHM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不附加责任：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >30岁女性：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >哪吒2号：6220元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号：6290元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >完美人生8号：6330元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >超级玛丽16号PRO：7690元</span></span></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >30岁男性：</span></span></p><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >哪吒2号：6620元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >达尔文12号：6710元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >完美人生8号：6770元</span></span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >超级玛丽16号PRO：8585元</span></span></section></li></ul><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >哪吒2号价格最低，达尔文12号和完美人生8号相差不大，超级玛丽16号PRO最贵。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果附加终身重疾多次赔：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >完美人生8号价格最低，其次是达尔文12号，哪吒2号略高，超级玛丽16号PRO依然是四款里面最贵。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不过完美人生8号只保到65岁，且只额外赔1次，保障差一点。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >附加终身重疾多次赔后，完美人生8号价格最低，其次是达尔文12号、哪吒2号，超级玛丽16号PRO依然最贵。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >可以理解，毕竟</span></span><span><span text >超级玛丽16号PRO保障最全，重疾多次赔比例最高。</span></span></p><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">五、我的选择建议</span></span></h1><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >完整分析完，说一下我的选择建议：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >想买一份保障全面、综合性价比最高：首选达尔文12号。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >基础保障扎实，自带责任丰富，价格也处于中等水平，没有明显短板，适合绝大多数家庭。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >特别关注癌症保障、预算很充足：首选超级玛丽16号PRO。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >结节保障、癌症拓展金、癌症医疗费用保险金、重疾持续保障都做得很深入，更适合担心癌症风险的人，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >就是价格稍微有点贵，预算够的话可以优先考虑。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >女性朋友可考虑：完美人生8号。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >自带的女性特疾保障以及附加心脑血管责任都比较有特色，而且附加重疾多次赔后的价格优势也很明显。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >关注结节、职业限制较多或者预算有限：哪吒2号。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >结节责任做得最好，同时支持1-6类职业投保，基础价格也是四款里最低，非常适合体检发现结节或者职业限制较多的人。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最后提醒大家一句：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >重疾险最重要的不是追求"保障最多"，而是根据自己的预算，把真正需要的责任配齐。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果不知道自己适合买哪一款、健康告知能不能通过，或者想测算不同责任组合下的保费，都可以来找我。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我会根据你的年龄、预算、健康情况，一对一帮你搭配方案，尽量花最少的钱，把保障配到位。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNLtYbicBRwl801d6QUAnY2hPHx5uKsZY9SrZPQeWsehSyXNicZwteXpOPGNDrRA5bFS8iacwlCV8jqnfduwoB9RhWC8ck9rmW3H8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D2" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNLtYbicBRwl801d6QUAnY2hPHx5uKsZY9SrZPQeWsehSyXNicZwteXpOPGNDrRA5bFS8iacwlCV8jqnfduwoB9RhWC8ck9rmW3H8/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=2" alt="懂保爷测评配图" loading="lazy" /></span></p><p ></mp-style-type></p>
