<section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" wah-hotarea="click" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTODrlmWJ1ucYs1icdCBVvwu2luQ9tibgHnfdkUJ3x59qhMfHvEfuu5J9TA300JM1wsAl1EcVnvlDvxQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTODrlmWJ1ucYs1icdCBVvwu2luQ9tibgHnfdkUJ3x59qhMfHvEfuu5J9TA300JM1wsAl1EcVnvlDvxQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><p ><br /></p><p ><span >从2015年开始，【百万医疗险】的发展如火如荼。</span><br /></p><section ><span ><br /></span></section><section ><span >这让同为疾病险的【重疾险】的存在意义开始被质疑：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490949&idx=1&sn=dc6d03a98caa064eac22a00b6aefcf3c&chksm=cfb5fe05f8c27713e9abfb7727993a394ff4cb4ee3bb3962544422470325ea861bc7de7e3ab0&scene=21#wechat_redirect" textvalue="保大病的百万医疗险只要几百块，为啥还要买几千块的重疾险？" tab="innerlink"><span >保大病的百万医疗险只要几百块，为啥还要买几千块的重疾险？</span></a></section><section ><br /></section><section ><span >这个问题我们早前说了很多，结论很明确：</span></section><section ><span ><br /></span></section><section ><span >终身重疾险是唯一一种可以保障终身且不涨价的健康险，<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490949&idx=1&sn=dc6d03a98caa064eac22a00b6aefcf3c&chksm=cfb5fe05f8c27713e9abfb7727993a394ff4cb4ee3bb3962544422470325ea861bc7de7e3ab0&scene=21#wechat_redirect" textvalue="百万医疗险无法替代重疾险" tab="innerlink">百万医疗险无法替代重疾险</a></span><span style="color: rgb(136, 136, 136)">（可以戳上面蓝字详细了解）</span><span >。</span></section><section ><span ><br /></span></section><section ><span >今天要聊的是另一个问题：</span></section><section ><span ><br /></span></section><section ><span >虽然明白了终身重疾险的不可替代性，但对重疾险的以下缺点感到失望：</span></section><section ><br /></section><ul ><li><p ><span >1、随着通货膨胀，现在买的几十万保额以后根本不够用，要是保额能一直增长就好了；<br /></span></p></li><li><p ><span >2、如果没患病，保费就消费掉了，亏！要是不患病也能拿钱就好了；</span></p></li><li><p ><span >3、身体状况不太好，不符合重疾险的健康要求，不让我买...</span></p></li></ul><section ><span ><br /></span></section><section ><span >下面我来给大家出一个解决以上重疾险问题的完美方案。</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 ><strong >一、新的重疾险方案</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >开始前，回顾下当前普通重疾险（不含身故责任）的买法：</span></section><section ><span ><br /></span></section><section ><span >30岁男性，买一份</span><span style="color: rgb(33, 89, 103)"><strong>终身重疾险</strong></span><span >，保额50万，分<strong >20年</strong>缴费，<strong>7300</strong><strong>元</strong>/年。</span></section><section ><span ><br /></span></section><section ><span >一辈子，如果得大病赔付50万，没患病不赔。</span></section><section ><span ><br /></span></section><section ><span >看下我给大家出的新方案：</span><span style="color: rgb(33, 89, 103)"><strong>增额储蓄重疾险</strong></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%2FO95eeDepqTODuvuiaaazUPFic0v4sYbwY27t5iaBkVTGraOrcic2heMzMok5Mro78k4DxeTOjuoibnAjzrbiablJ4ZPQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTODuvuiaaazUPFic0v4sYbwY27t5iaBkVTGraOrcic2heMzMok5Mro78k4DxeTOjuoibnAjzrbiablJ4ZPQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><br /></section><section ><span >普通重疾险保额终身不变，而增额储蓄重疾险的保额</span><strong >会一直复利增长</strong><span >。</span><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">投保时50万，在80岁时，保额就会涨到70万；到90岁，能涨到100万。</span></section><section ><br /></section><section ><span >并且增额储蓄重疾险的“重疾保额”，<strong>不必罹患大病或轻症，可以随时灵活取用</strong>，</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">类似我们银行卡里的钱，80岁的70万保额，取出一部分例如20万出来自由使用都可以，账户里还剩50万保额。</span></section><section ><span ><br /></span></section><section ><span >没了“罹患疾病”才能触发“理赔”这一前置条件，确保能拿到保额。<br /></span></section><section ><br /></section><section ><span >当然，从“终身重疾险”提升到“增额储蓄重疾险”不是没有条件的，<br /></span></section><section ><span ><br /></span></section><section ><span >终身重疾险保费7300元/年，而增额储蓄重疾险保费是12800元/年。</span></section><section ><span ><br /></span></section><section ><span >相当于多付出<strong>5500元</strong>，额外得到了：</span></section><section ><span ><br /></span></section><ul ><li><p ><span >保额可以增长；</span></p></li><li><p ><span >保额可以灵活取用；<br /></span></p></li><li><p ><span >保额确定能拿到...</span></p></li></ul><section ><br /></section><section ><span >注意，考虑到保额能灵活取用，“多付出5500元”的说法其实不太合理。</span></section><section ><br /></section><section ><strong><span >原本买重疾险有可能拿不到钱</span></strong><span style="color: rgb(136, 136, 136)">（例如一辈子没患病）</span><strong><span >，而增额储蓄重疾险直接把拿钱的可能性变为100%，</span></strong></section><section ><br /></section><section ><span >因此，投保「增额储蓄重疾险」，</span></section><section ><span ><br /></span></section><section ><span >可以理解为既有了重疾保障，又有了一个未来可灵活使用的储蓄账户。</span></section><section ><br /></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 ><strong>二、解析「增额储蓄重疾险」</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >有些朋友估计猜到了。</span></section><section ><span ><br /></span></section><section ><span >其实咱们的“增额储蓄重疾险”并不是某款新上线的产品，而是一个</span><span style="color: rgb(255, 41, 65)">重疾组合</span><span >。</span></section><section ><span ><br /></span></section><section ><span >用的是<strong>定期重疾险+增额终身寿险</strong>。</span></section><section ><span ><br /></span></section><section ><span >先强调一点，我一直只推荐大家投保终身重疾险，</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">这点在《</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490956&idx=1&sn=e4c8267374b12ad4ad7e075d57b9752e&chksm=cfb5fe0cf8c2771adaf8a73e6b6bd1f578b33cd0596b288bf8969d8779ea32406d91d99b49b9&scene=21#wechat_redirect" tab="innerlink" ><span >定期重疾险：一场“皆大欢喜”的保险骗局</span></a><span style="color: rgb(136, 136, 136)">》里已经提过。</span><br /></section><section ><span ><br /></span></section><section ><span >为啥这里又推荐投保定期重疾险呢？<br /></span></section><section ><span ><br /></span></section><section ><span >敲个黑板，因为这里大家要把「<strong>增额储蓄重疾险</strong>」作为一个组合、一个整体来看。</span></section><section ><span ><br /></span></section><section ><span >通过定期重疾险+增额终身寿险的组合，其实我们的「增额储蓄重疾险」仍然是一份“终身重疾险”。</span><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)">只不过70岁前是利用定期重疾险来提升保额杠杆，70岁后通过增额终身寿险的账户价值“衔接”上重疾保障。</span></section><section ><span ><br /></span></section><section ><span >例如第一部分举例的增额储蓄重疾险，</span></section><section ><span ><br /></span></section><section ><span >12800元/年的保费由<strong>4300元/年</strong><strong>的定期重疾险</strong>和<strong>8500元/年</strong><strong>的增额终身寿险</strong>构成。<br /></span></section><section ><section style="text-align: center"><br /></section></section><p><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTODuvuiaaazUPFic0v4sYbwY2Hb8DSSK8TFyia9KQLzwbAjqiaBTLx09ibj61WqiaEcrTtVJncPn2rrd4Ng%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTODuvuiaaazUPFic0v4sYbwY2Hb8DSSK8TFyia9KQLzwbAjqiaBTLx09ibj61WqiaEcrTtVJncPn2rrd4Ng/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p><span ><br /></span></p><section ><span >可以看到投保后，随着时间推移，普通终身重疾险的保额会和我们的「增额储蓄重疾险」差距越来越大，</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">增额储蓄重疾险保额=定期重疾险保额+增额终身寿险现金价值。</span></section><section ><span ><br /></span></section><section ><span >直到70岁后增额储蓄重疾险失去定期重疾责任，又回到50万保额。</span></section><section ><span ><br /></span></section><section ><span >但增额终身寿险在“接棒”定期重疾险后，账户价值还能复利增长。<br /></span></section><section ><span ><br /></span></section><section ><span >并随时间再次越来越高，<strong>解决了普通重疾险保额固定、越老越贬值的痛点</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">不太了解增额终身寿险的朋友可以看下：</span><span style="color: rgb(33, 89, 103)"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink">谈谈理财险：了解这些，谁都忽悠不了你！</a></span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><span >加上增额终身寿险账户里的钱，我们可以灵活取用，<strong>不受重疾险必须患病才能拿钱的影响</strong>。</span></section><section ><span ><br /></span></section><section ><span >所以「增额储蓄重疾险」完美解决了当前重疾险的缺点。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">注1：因为身体欠佳原因买不了增额储蓄重疾险里面的定期重疾险，只选增额终身寿险也可以，后期保障一样，只是前期杠杆需要自己扛了。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">注2：要是身体较差连增额终身寿险都买不了，可以让身体健康的家人（孩子/配偶）作为被保人买，自己作为投保人，因为增额终身寿险的取用钱的支配权在投保人手里。</span></section><section ><br /></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 ><strong>写在最后</strong></strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><strong><span >如果你对当前的重疾险不满意，感到失望，那么完全可以投保「增额储蓄重疾险」。</span></strong></section><section ><span ><br /></span></section><section ><span >毕竟，相比保额固定、生病才能拿钱的普通重疾险，</span></section><section ><span ><br /></span></section><section ><span >保额一直在增长、随时可取钱、保额百分百能拿到的增额储蓄重疾险不香吗？</span><br /></section><section ><span ><br /></span></section><section ><span style="color: rgb(0, 0, 0)">并且咱们在「增额储蓄重疾险」上多投入的钱，</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">是作为组合中<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" textvalue="理财险（增额终身寿险）" tab="innerlink">理财险（增额终身寿险）</a>的“安全本金”，一直在按照3.5%终身复利增值。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">具体增额储蓄重疾险组合投保哪款定期重疾险、哪款增额终身寿险，需要根据大家的具体情况去挑选最适合的，大家可以找我团队的专业保险规划老师帮你定制推荐。<br /></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">想了解更多及投保的朋友，可加我助手微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye888</span></strong></section><section ><strong style="color: rgb(0, 0, 0)"></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section></mpprofile></section><section ><strong><span >相关阅读：</span></strong></section><p ><br /></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491024&idx=2&sn=f8840886f83cd0ef27ee0362de0a0b70&chksm=cfb5fe50f8c2774637c8fc7aa2dd8ee076b91f82b58d46e46c6e7a68b817542fa5e573eb32d1&scene=21#wechat_redirect" tab="innerlink" >谈谈投资理财险：了解这些，谁都忽悠不了你！</a></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490949&idx=1&sn=dc6d03a98caa064eac22a00b6aefcf3c&chksm=cfb5fe05f8c27713e9abfb7727993a394ff4cb4ee3bb3962544422470325ea861bc7de7e3ab0&scene=21#wechat_redirect" tab="innerlink" ><span >百万医疗险：大多数人看不透的假象</span></a><br /></p><p ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247491547&idx=1&sn=f100c193966e64d9128ff18497bcca40&chksm=cfb5fc5bf8c2754d655c5e7e4dc47a1374e7f5482aaad9a3f124bca4aad17431d3777eb8d433&scene=21#wechat_redirect" tab="innerlink" ><span >保险第一课：「M242」快速认知保险！</span></a><br /></p><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"><span style="color: rgb(0, 0, 0)"><strong ><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTPX79HzDmJaNiaohKhfEd58Ok6mcU6JsZickVx1UkAibENclTVHm5e91NUUMib6W0qz9oPUWKFgyR3uYA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></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)">懂保爷精选保险</span></span></section><section style="text-align: left"><span style="color: rgb(33, 89, 103)"><br /></span></section><section label="Powered by 135editor.com" ><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<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>
