<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><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></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><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOS1mxibpib64uEUjPbdG97kOpo2KES7dI3QQxq7hDjExK8ES4NUCKYo4DrzoeZSaibCw9aX09Lwf26iaUic6bnAJjoeuvgL0Mfk0dA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOS1mxibpib64uEUjPbdG97kOpo2KES7dI3QQxq7hDjExK8ES4NUCKYo4DrzoeZSaibCw9aX09Lwf26iaUic6bnAJjoeuvgL0Mfk0dA/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 >最近有客户问我：</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 >“我家里有癌症病史，我自己买重疾险，是不是应该特别注意癌症保障？”</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 >是的。</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 >如果家里有癌症病史，买重疾险时，我觉得确实没必要把注意力平均分给所有疾病。</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 >不是说其他疾病不重要，而是既然自己最担心的是癌症，那就应该重点看看：</span><span text >癌症能不能赔、什么时候能赔、能赔多少，以及后续复发治疗还能不能继续获得保障</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 >按照这个思路去挑，</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 >我最近比较关注的一款就是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >海保人寿的</span><span text >超级玛丽17号</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 >之前我拿它跟另一款热门成人重疾险达尔文12号对比过：</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505458&idx=1&sn=6a03f0f12f79ca95361c3846231e13b3&scene=21#wechat_redirect" textvalue="高性价比成人重疾险PK：超级玛丽17号和达尔文12号，怎么选？" linktype="text">高性价比成人重疾险PK：超级玛丽17号和达尔文12号，怎么选？</a></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 >它最大的特点，就是把癌症保障做得比较“深”，不是单纯等到确诊重度癌症以后才赔，而是把保障往癌症发生的前面、后面都延伸了一截。</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 >具体来看看。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></font></b></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一关：有结节，也买得上</span></span></font></b></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >甲状腺结节</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1—2级、乳腺结节1—2级、单发实性肺结节直径≤8mm且随访稳定</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，都有机会标准体承保。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FiaZHDj9icvRXO2akGwu6YjAbTofOUlK7Qfjkibzv7JBvlnRHEJWGdYT9fk7nV8hPCFNEAmWm8Ymd6YB0J1XukIKWh6f0PytoFrh9ia1tZNGUe1M%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZHDj9icvRXO2akGwu6YjAbTofOUlK7Qfjkibzv7JBvlnRHEJWGdYT9fk7nV8hPCFNEAmWm8Ymd6YB0J1XukIKWh6f0PytoFrh9ia1tZNGUe1M/640?wx_fmt=jpeg&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><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果体况复杂一点、风险略高于标准体，比如甲状腺结节4a级、乳腺结节4a级，也有机会</span><span text >除外承保</span><span text >：</span></span></font></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOGJzEiazkIcKedwyeKssVsiaztLxxmlAD0p1Pn7H88d7mkD2ozXwxDJV43m0E2ziaY4BEw4PcXkKWAz4H9b7aUSuOryULcG06Yqo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOGJzEiazkIcKedwyeKssVsiaztLxxmlAD0p1Pn7H88d7mkD2ozXwxDJV43m0E2ziaY4BEw4PcXkKWAz4H9b7aUSuOryULcG06Yqo/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除外了也不怕，因为超级玛丽17号</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >核保复议是写进合同的</span><span text >。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >你第一次投保时被除外了，后续身体情况好转，是有机会</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >翻案</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的：</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >合同生效满</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >2</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >年就能申请复议；如果被除外的部位已经手术根治、病理是良性的，满</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >6</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >个月也能申请。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN27mApnAZoBVDIExqxRhNdYoecOmoj3iaLBm2ZKt2KNkZX95Z6cy9ahIqQodnKq1eVuNs7SUOhUkZahkf1MGsypOs46ZfsYWMM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN27mApnAZoBVDIExqxRhNdYoecOmoj3iaLBm2ZKt2KNkZX95Z6cy9ahIqQodnKq1eVuNs7SUOhUkZahkf1MGsypOs46ZfsYWMM/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >复议通过之后，曾经被除外的部位可以重新纳入保障范围。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >甲状腺结节、乳腺结节、肺结节这些人群，应该会特别能体会这个设计的好。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><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(64, 34, 15)">二</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二关：癌症还没发生，出现癌前病变也能赔</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这是我自己最喜欢的部分，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也是超级玛丽</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >17</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >号</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >首创</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的一项责任，别的重疾险没有。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先说它为什么重要。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >正常重疾险要等到</span><span text >确诊癌症、达到重疾赔付标准，才能赔钱</span><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >可现实是，很多癌症在变成</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >之前，会先经历一段</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌前病变</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的阶段。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如肺结节切下来是</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不典型增生</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，肠镜查出肠息肉、腺瘤，胃镜查出萎缩性胃炎伴肠上皮化生，宫颈查出</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >CIN III</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >级</span></span></font><font face="PingFang SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >……</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这些阶段，医生通常都会建议处理掉。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >早发现、早干预，对你是好事。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但在传统重疾险的规则下，这一刻你一分钱赔不到。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >17</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >号把这个缺口补上了。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >只要做了它约定的</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >6种癌前病变手术</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，每次赔付</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">5%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，每类手术限赔</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >1</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >次，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >累计最</span><span text style="color: rgb(235, 201, 0)">高赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">30%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，六项之间没有间隔期要求。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPaFGQmGB2eJlNj00E92vK5F4ibFrV17KkyquicLctpJot2MEqYaM56STJLcj2icOHnUU4oelDwjxib8mJgVxqfYPEc0JibH7CnRnibM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPaFGQmGB2eJlNj00E92vK5F4ibFrV17KkyquicLctpJot2MEqYaM56STJLcj2icOHnUU4oelDwjxib8mJgVxqfYPEc0JibH7CnRnibM/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >6</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >类手术覆盖的部位，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >正好是癌症的高发区：</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >肺、胃、肠、乳腺、食管、宫颈</span><span text >。</span></span></font></b></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNqBHqhMV6uMbYnrCMLMUpSAfeaPoCTS0liaeWgb7uCqgV3dKBqufNiafz4K1UWBcV1yXnm81DP1xVMXoDnUOndpexMfB9CqYshQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNqBHqhMV6uMbYnrCMLMUpSAfeaPoCTS0liaeWgb7uCqgV3dKBqufNiafz4K1UWBcV1yXnm81DP1xVMXoDnUOndpexMfB9CqYshQ/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >按</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万保额算，做一次符合条件的手术，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2.5万</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >；六类都做满，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最高能拿</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >15万，真的很不错。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而且它的价格，便宜得有点意外。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >按</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >30</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >岁、</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万保额、</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >30</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >年缴费算：</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >男性一年只多交</span></span></font><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >140元左右，女性一年多交300元左右</span><span text >。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一年多花一百多块，换来十几万的早期手术保障，很值得。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以我的建议很明确：</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这项责任，能加就加上。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></b></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>三</span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第三关</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >：结节切了，以后真癌变还能额外多赔</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这项是超级玛丽</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >17</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >号</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >自带</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的，不用额外花钱。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNtsq8w9u2oeJ0P0Hfp5Eb9rmD0z5Yw1Y5qQWAB6g0rgP2YFdhgvwXdXMsIzq9NBTSPPrqjxWEBsf0UqGcu3umuJaIDwxa2dGg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNtsq8w9u2oeJ0P0Hfp5Eb9rmD0z5Yw1Y5qQWAB6g0rgP2YFdhgvwXdXMsIzq9NBTSPPrqjxWEBsf0UqGcu3umuJaIDwxa2dGg/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >规则是这样的：</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >肺结节</span></span></font></b><font face="PingFang SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >切除的结节不属于原位癌、癌症范畴的，自手术日起</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >365天后</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >确诊肺部恶性肿瘤</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >-</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重度，额外赔</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">30%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，限赔</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >1</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >次。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >乳腺结节、甲状腺结节</span></span></font></b><font face="PingFang SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同样是术后满</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >365</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >天确诊对应部位的恶性肿瘤</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >-</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重度，额外赔</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">15%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，各限赔</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >1</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >次。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >三项保障互相独立，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >累计最高能额外赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >60%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >有家族癌症史的人，往往会更加关注体检，也更容易遇到结节、息肉等问题。</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 >当然，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >结节≠癌症</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，有结节也不代表以后一定会得癌症。</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 >但如果真的出现了合同约定的情况，这类额外保障就能派上用场。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">四</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第四关：确诊之后，赔得多，也赔得久</span></span></font></b></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一层：癌症拓展金（自带，不用加钱）</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果先确诊的是癌症轻度或者原位癌，之后又进展成恶性肿瘤</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >-</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重度，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >额外</span><span text >赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >50%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMM6Gib2PX8AGf3Mj2pMibVdo9Uo0QUuA3BGsUJOZOplff1O2WqAPqPJOhIt8iaA9NOp6IyqDw0JqkaVxCdNvjziciaL4lTb0BfAjmM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMM6Gib2PX8AGf3Mj2pMibVdo9Uo0QUuA3BGsUJOZOplff1O2WqAPqPJOhIt8iaA9NOp6IyqDw0JqkaVxCdNvjziciaL4lTb0BfAjmM/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >买</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万，就是</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >多赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >25万</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二层：疾病关爱金（可选）</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >45岁前</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >首次确诊重疾，额外赔</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">100%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，相当于保额翻倍；</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >45—60岁</span><span text >首次</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >确诊重疾，</span><span text style="color: rgb(235, 201, 0)">额外赔</span></span></font><b><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">80%</span></span></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >；</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >60岁后</span><span text >首次</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >确诊中症，</span><span text style="color: rgb(235, 201, 0)">额外赔</span></span></font><b><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">50%</span></span></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMTPjJxy2FB3fZuHEoG48pFotqiaRCneCgRUticZHKEQicGYwtJ1Sg2awMeib3mt6REHianJC3Ghia6c9FJybgRFyWFcT8G6XmAcJLnY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMTPjJxy2FB3fZuHEoG48pFotqiaRCneCgRUticZHKEQicGYwtJ1Sg2awMeib3mt6REHianJC3Ghia6c9FJybgRFyWFcT8G6XmAcJLnY/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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><br /></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 >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万保额加上这项责任，</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >45</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >岁前确诊癌症，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >能直接拿到</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >100万</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >45</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >岁前是什么阶段？</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >房贷最重、孩子最费钱、父母开始需要照顾。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个年纪生病，断的不只是收入，是全家的现金流，把杠杆加在这里，是真的把钱花在了刀刃上。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第三层：癌症医疗津贴</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >+特药保险金（可选）</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >恶性肿瘤</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >-</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重度医疗津贴，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >覆盖癌症的</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >新发、复发、持续、转移</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >四种状态，间隔期最短</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >180</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >天，分次给付，最高能额外拿</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">50%基本保额</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN4M1k3AMBYEicWE8O9aFNWemgtzZibqpqZxJZwLwKzoCOYtDwO0iaz0Fphbusuqu9XoarMRecCEk0jWpzt1jr96OPibwZQD1WM9c4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN4M1k3AMBYEicWE8O9aFNWemgtzZibqpqZxJZwLwKzoCOYtDwO0iaz0Fphbusuqu9XoarMRecCEk0jWpzt1jr96OPibwZQD1WM9c4/640?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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >特药治疗保险金，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >是针对确诊后使用合同约定的特定抗癌药物、并以约定的方式治疗（靶向药、免疫药、机器人辅助手术、射频消融等），</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">额外赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">50%基本保额</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXN31KaW9AOanJbJIFR1Mfib14Xr6JzyiaIhLNGJWAn7eiaibTaxn7FyhH3vyHiajOib7Z73PicKTEXE29O9daNEb1G41PtyY9dfpZFFq0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXN31KaW9AOanJbJIFR1Mfib14Xr6JzyiaIhLNGJWAn7eiaibTaxn7FyhH3vyHiajOib7Z73PicKTEXE29O9daNEb1G41PtyY9dfpZFFq0/640?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"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >买</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万，确诊癌症后用上约定特药，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除重疾正常赔的</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万，</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >还能</span><span text >再多拿</span></span></font><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >25万</span></span></font></b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >，专门用来补贴昂贵的药费</span><span text >。</span></span></font></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以整个看下来，整条链路就串起来了，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽17号的癌症保障，基本把“癌症发生前、确诊时、确诊后”几个关键阶段都覆盖到了，真的挺不错的。</span></span></strong></font></b></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></font></b></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">五</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span><span text >家里有癌症病史，我给 2 </span></span></font><font face="微软雅黑"><span><span text >个配置思路</span></span></font></b></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一种：预算紧张的年轻人</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >先把基础版买上，</span></span></font><font face="PingFang SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万保额起步，不附加任何可选责任。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">一年</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">6720</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">元（男）／</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">6285</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">元（女）</span><span text >，先把</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >确诊重疾能赔一大笔钱</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个底兜住。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个价格，在目前市面上的成人重疾险里，已经是非常能打的一档。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对比一下上一代的超级玛丽</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >16</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >号</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >Pro</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOMYBAc3I7LPjYDfrZAUxdfooP6vBYv2USpf9gcIaW1he2ffagVc5Npt62LvvAKsI6JUqMHlqeFm9JGXQ8nFQqibHjjwd1gv3ic4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOMYBAc3I7LPjYDfrZAUxdfooP6vBYv2USpf9gcIaW1he2ffagVc5Npt62LvvAKsI6JUqMHlqeFm9JGXQ8nFQqibHjjwd1gv3ic4/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号一年就</span><span text >便宜了1000多块</span><span text >。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >别小看这</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >1000</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >多，重疾险是要交</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >30</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >年的，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一年省</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1000多，30年下来就是好几万的差价。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二种：家里的经济支柱，上有老下有小</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >强烈建议把</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >癌前病变手术关爱金和疾病关爱金</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >加上。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >癌前病变手术关爱金</span></span></font></b><span style="color: rgba(0, 0, 0, 0.9)"><span text >一年多花几百</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，换来的是一整条</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌前阶段就开始赔</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的保障，这是我认为性价比最高的一项附加。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >疾病关爱金的话</span><span text >，价格贵一点，30岁30年交，50万保额保终身的话，一年要多花1500左右。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >45</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >岁前重疾额外赔</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >100%</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >50</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万保额直接变</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >100</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >万，正好能覆盖你责任最重的那几年。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >预算再宽裕一些的，</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >可以把</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症津贴</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >和</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症特药</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也配上，把癌症这条链路补齐。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span><span text style="color: rgb(64, 34, 15)">六</span></span></font></b></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span ><span text >写在最后</span></span></font></b></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >回到开头那个问题：家里有癌症病史，买什么重疾险？</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我的答案很明确。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果家里有癌症病史，超级玛丽</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号是我目前会优先推荐的一款。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >它把癌症保障</span><span text >从</span></span></font><span style="color:rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >确诊才赔</span></span></font><span style="color:rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >，往前推到了</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >癌前病变</span></span></font></b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >，往后延到了</span></span></font><b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >复发、转移、持续治疗</span></span></font></b><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >，中间还有结节术后癌变、癌症拓展金、特药这一整套</span><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >再加上现在</span><span text >核保宽松、支持核保复议</span><span text >，对体况不太理想的人也还算友好。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后，我想说一句可能比上面所有内容都重要的话：</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >保险是</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >钱</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的后盾，但早筛才是</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >命</span></span></font></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的后盾。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >家里有癌症病史的人，最该做的是这两件事：</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1、</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >找医生评估一下，自己需不需要提前、加密做筛查</span><span text >。比如结直肠癌，有家族史的建议从</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >40</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >岁、甚至更早就开始做肠镜。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2、</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >把保障配好，让</span></span></font><span style="color:rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >敢去查</span></span></font><span style="color:rgba(0, 0, 0, 0.9)"><span text >"</span></span><font face="微软雅黑"><span style="color:rgba(0, 0, 0, 0.9)"><span text >这件事，不因为钱而犹豫</span><span text >。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症从发病到晚期，一般要经过</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >5</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >到</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >20</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >年。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这段时间里，</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >早筛能帮你躲过去，保险能帮你扛过去，两件事一起做，才算真的准备好了。</span></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对产品感兴趣，想算一下自己的年龄和保额一年要多少钱，或者不确定自己的结节情况能不能买，都可以来跟我聊一聊，我帮你具体看看。</span></span></font></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></b></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「成人重疾险」</span></span><span ><span text >产品测评表</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPPeNM8Ey7GBnLoZfxK8hBeTk8TibENTiccGMUKIfibU2W8tkZqca4u9tZ24awCqT06XlELjT5IS8icvugTtrjCxR5rcFkm18GZg60%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPPeNM8Ey7GBnLoZfxK8hBeTk8TibENTiccGMUKIfibU2W8tkZqca4u9tZ24awCqT06XlELjT5IS8icvugTtrjCxR5rcFkm18GZg60/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" 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 >第2-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >最新更新的2类7大保险榜单</span></span><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPmtXFgn9CKyoGTgJc3Jpv5GwFWat4fyH4ba6rz45a4HpNbJwATekhoNnTib0LXMlhvrJm6AaUXcbaryptfsKGKCWYnlQAHicrvQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPmtXFgn9CKyoGTgJc3Jpv5GwFWat4fyH4ba6rz45a4HpNbJwATekhoNnTib0LXMlhvrJm6AaUXcbaryptfsKGKCWYnlQAHicrvQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" 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 >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" 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 >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=11" 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 >扫码就能领取，我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
