4款热门儿童重疾险大测评！

<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="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >端午安康~</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >大家今天都是怎么过节的？有没有吃上香甜的粽子呀？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >趁着假期空闲，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我重新梳理了现在市场上几款热门儿童重疾险的保障责任、价格等等，发现每款产品的定位都还挺清晰的，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有需求的朋友可以跟着我的思路，看看哪一款适合自家孩子。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >说产品之前，我想先回答一个比较有代表性的问题：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >孩子这么小，有必要这么早买重疾险吗？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我想说，很有必要，而且越早越好。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >两个原因，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第一，更便宜。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >同样保额，儿童的保费可能只有成人的一半。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第二，疾病不会等孩子长大。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >人不是长大了才会生病的，白血病</span></span><span><span text >、癌症等等都是儿童高发病，一旦小孩生病，长期治疗、陪护、吃药等等，都不是一笔小费用。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >再简单说一下挑选逻辑，也是我的文章逻辑：</span></span></section><ul ><li style="color:#ff4f79"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">一看</span><span text style="color: rgb(255, 79, 121)">基础保障</span></span><span><span text style="color: rgb(255, 79, 121)">：重疾、中症、轻症有没有配齐，守住保障底线；</span></span></section></li><li style="color:#ff4f79"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">二看</span><span text style="color: rgb(255, 79, 121)">自带保障</span></span><span><span text style="color: rgb(255, 79, 121)">：有没有少儿高发疾病额外赔，实用才是关键；</span></span></section></li><li style="color:#ff4f79"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">三看</span><span text style="color: rgb(255, 79, 121)">可选责任</span></span><span><span text style="color: rgb(255, 79, 121)">：有哪些可选责任，适配自家情况就行；</span></span></section></li><li style="color:#ff4f79"><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">四看</span><span text style="color: rgb(255, 79, 121)">保费价格</span></span><span><span text style="color: rgb(255, 79, 121)">：保障差不多的前提下，再对比保费高低。</span></span></section></li></ul><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >现在来看产品，一共四款包括：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >北京人寿的大黄蜂17号全能版</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >招商仁和的青云卫6号</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >信美相互的达尔文宝贝计划15号</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >复兴联合的妈咪宝贝爱常在（B款）</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(136, 136, 136)">文章会比较长，时间有限的朋友可以直接来跟我聊一聊：</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMun3HrSKiaK5NnnxU2JyhUuy9qFfiawQGKInItgTaNSdodOOdjMGBlncnlMtjXAhkRC7ibCQdzgFZfSNQ7cB1libDWiacDiabqyiaZdo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMun3HrSKiaK5NnnxU2JyhUuy9qFfiawQGKInItgTaNSdodOOdjMGBlncnlMtjXAhkRC7ibCQdzgFZfSNQ7cB1libDWiacDiabqyiaZdo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">一、基础保障</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPww8fe9dxVU5q0WYW3MhSJtCos9L1Vy013wiauhicHqibZ4ia9S7DZM7vDcAG6A8zZFjBoNICYS7Q9px3KeByJ3a5OZ8Nvcy7L2icY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPww8fe9dxVU5q0WYW3MhSJtCos9L1Vy013wiauhicHqibZ4ia9S7DZM7vDcAG6A8zZFjBoNICYS7Q9px3KeByJ3a5OZ8Nvcy7L2icY/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 >都覆盖</span><span text style="color: rgb(255, 79, 121)">重疾/中症/轻症</span><span text >，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >基础兜底全部到位。</span></span><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >重疾赔付后，轻症、中症都还可以理</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >赔。</span></span></p><section><span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">少儿20种特疾+20种罕见病</span><span text >也都全覆盖，罕见病统一额外赔200%保额。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >另外，有3个值得注意的细节：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >一是</span></span><strong><span><span text >青云卫6号的疾病覆盖更广</span></span></strong><span><span text >，重疾</span><span text style="color: rgb(255, 79, 121)">137种</span><span text >、轻症</span><span text style="color: rgb(255, 79, 121)">51种</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >二是</span></span><strong><span><span text >妈咪宝贝爱常在B款的少儿特疾额外赔付最强</span></span></strong><span><span text >，达到</span><span text style="color: rgb(255, 79, 121)">130%</span><span text style="color: rgb(0, 0, 0)">，比另外3款高10%。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">三是</span><span text style="color: rgb(0, 0, 0)">青云卫6号的轻中症赔付次数少一点</span><span text style="color: rgb(0, 0, 0)">，轻症赔付5次、中症2次。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不过整体来看，基础保障差距还是不大的，都是目前市场上的主流水平。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">二、自带保障</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOwicB39iaoT8o1EYIf6rnUxeFfzuWQIrIBOSy9oB15P9TzeU1XxGiaYhzniaXAWJRKgdjQUINicDoc5RGp9PfhiaZkRCnML3Jyiac3g0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOwicB39iaoT8o1EYIf6rnUxeFfzuWQIrIBOSy9oB15P9TzeU1XxGiaYhzniaXAWJRKgdjQUINicDoc5RGp9PfhiaZkRCnML3Jyiac3g0/640?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 style="color: rgb(0, 0, 0)">如果只看自带保障数量，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">大黄蜂17号全能版是最多的，一共有</span><span text style="color: rgb(255, 79, 121)">8项</span><span text style="color: rgb(0, 0, 0)">；青云卫6号有</span><span text style="color: rgb(255, 79, 121)">6项</span><span text style="color: rgb(0, 0, 0)">；妈咪宝贝爱常在B款有</span><span text style="color: rgb(255, 79, 121)">5项</span><span text style="color: rgb(0, 0, 0)">；达尔文宝贝计划15号</span><span text style="color: rgb(255, 79, 121)">4项</span><span text style="color: rgb(0, 0, 0)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">不过呢，数量并不代表价值，我们重点看每款产品把保障重点放在了哪里。</span></span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">1）大黄蜂17号全能版：覆盖面最广</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">白血病等特定疾病需要移植治疗，可以额外赔</span><span text style="color: rgb(255, 79, 121)">80%保额</span><span text style="color: rgb(0, 0, 0)">；原位癌发展成恶性肿瘤，还能额外赔</span><span text style="color: rgb(255, 79, 121)">100%保额</span><span text style="color: rgb(0, 0, 0)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">同时还覆盖了</span><span text style="color: rgb(255, 79, 121)">意外导致重疾、质子重离子治疗、自闭症、严重抑郁症</span><span text style="color: rgb(0, 0, 0)">等责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">尤其是少儿重度自闭症和严重抑郁症保障，在儿童重疾险里并不多见。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">再加上</span><span text style="color: rgb(255, 79, 121)">重疾保额增长、保费补偿</span><span text style="color: rgb(0, 0, 0)">等设计，基本把儿童成长过程中常见的健康风险都考虑到了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">所以我觉得如果说哪款最均衡，大黄蜂17号会是代表。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">2）青云卫6号：白血病保障最强</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">青云卫6号的保障没有大黄蜂那么全面，但针对</span><span text style="color: rgb(255, 79, 121)">白血病</span><span text style="color: rgb(0, 0, 0)">做得非常深入。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">白血病骨髓移植直接额外赔</span><span text style="color: rgb(255, 79, 121)">100%保额</span><span text style="color: rgb(0, 0, 0)">，比大黄蜂更高，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">更重要的是，骨髓移植之后，每个月还能领取2%保额的医疗津贴，累计最高</span><span text style="color: rgb(255, 79, 121)">48%</span><span text style="color: rgb(0, 0, 0)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">对于需要长期治疗、长期复查的家庭来说，这种持续给付比一次性赔付更实用。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">除此之外，它还覆盖了</span><span text style="color: rgb(255, 79, 121)">性早熟、严重肥胖手术</span><span text style="color: rgb(0, 0, 0)">等儿童近年来比较高发的问题，也有</span><span text style="color: rgb(255, 79, 121)">重疾增长金</span><span text style="color: rgb(0, 0, 0)">，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">整体属于典型的“少而精”。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">3）达尔文宝贝计划15号：意外保障最突出</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">达尔文宝贝的特色保障虽然最少，但也很有特色。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">因为意外导致的重疾、中症、轻症，分别</span><span text style="color: rgb(255, 79, 121)">额外赔50%、30%、15%保</span><span text style="color: rgb(0, 0, 0)">额。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">另外还覆盖了</span><span text style="color: rgb(255, 79, 121)">卵圆孔未闭、严重肥胖手术、脊柱侧弯矫正手术</span><span text style="color: rgb(0, 0, 0)">等责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">整体更偏向孩子成长过程中常见的意外风险和发育问题，如果孩子比较活泼好动，这类保障会更有针对性。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">4）妈咪保贝爱常在B款：少儿疾病专项强化</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">白血病骨髓移植额外赔</span><span text style="color: rgb(255, 79, 121)">80%</span><span text style="color: rgb(0, 0, 0)">，再次达到条件还能再赔</span><span text style="color: rgb(255, 79, 121)">80%</span><span text style="color: rgb(0, 0, 0)">，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">同时还有</span><span text style="color: rgb(255, 79, 121)">白血病特药医疗责任</span><span text style="color: rgb(0, 0, 0)">，对于长期用药的家庭比较友好。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">此外还覆盖</span><span text style="color: rgb(255, 79, 121)">癌症拓展金、严重孤独症、严重抑郁症</span><span text style="color: rgb(0, 0, 0)">等责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">同样，严重孤独症责任，目前在儿童重疾险市场中并不算常见。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">所以，妈咪保贝爱常在B款就是更聚焦少儿高发疾病。</span></span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">总结一下，如果只看自带保障这一项：</span></span></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">大黄蜂17号全能版</span><span text style="color: rgb(0, 0, 0)">最全面</span><span text style="color: rgb(0, 0, 0)">；青云卫6号对</span><span text style="color: rgb(0, 0, 0)">白血病保障最强</span><span text style="color: rgb(0, 0, 0)">；达尔文宝贝计划15号</span><span text style="color: rgb(0, 0, 0)">意外责任最突出</span><span text style="color: rgb(0, 0, 0)">；妈咪保贝爱常在B款则在</span><span text style="color: rgb(0, 0, 0)">少儿疾病专项保障上更有特色</span><span text style="color: rgb(0, 0, 0)">。</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">三、附加保障</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNck3qiahKibVnXJISAMTOFOOIia7xXJp1yz7nLHk55FkfPmyUuEMDULIFONrZnWIAvrN9hICSBuYYQHKcpibLotY5A44HVOaHiaWAo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNck3qiahKibVnXJISAMTOFOOIia7xXJp1yz7nLHk55FkfPmyUuEMDULIFONrZnWIAvrN9hICSBuYYQHKcpibLotY5A44HVOaHiaWAo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section dir="auto"><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">这部分主要是各产品在基础保障之外，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">可以额外加购的责任扩展。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">大黄蜂17号全能版的可选保障包括</span><span text style="color: rgb(255, 79, 121)">癌症多次赔、重疾多次赔、住院津贴、疾病关爱金</span><span text style="color: rgb(0, 0, 0)">等，整体是围绕重疾保障进行补充扩展。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">青云卫6号的可选保障主要集中在</span><span text style="color: rgb(255, 79, 121)">癌症多次赔、重疾多次赔以及相关的疾病持续保障责任</span><span text style="color: rgb(0, 0, 0)">，同时也包含一定的住院及医疗补充类责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">达尔文宝贝计划15号的可选保障相对更丰富一些，包括</span><span text style="color: rgb(255, 79, 121)">癌症多次赔、重疾多次赔、癌症津贴、住院津贴以及疾病陪护金</span><span text style="color: rgb(0, 0, 0)">等多个方向。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">妈咪保贝爱常在B款的可选保障则更偏向</span><span text style="color: rgb(255, 79, 121)">医疗费用补充</span><span text style="color: rgb(0, 0, 0)">，主要围绕住院、门急诊以及相关医疗费用类责任进行扩展。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">一般来说，额外配置一个</span><span text style="color: rgb(0, 0, 0)">重疾多次赔或者癌症保障作为补充</span><span text style="color: rgb(0, 0, 0)">，就已经比较完整了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">如果大家有需要，或者想了解加了这些保障之后具体要多少钱，也可以扫文末二维码单独来找我聊。</span></span></p></section><section 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></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNJyhYJFN7ibuXRClDibXKr9B3QABueFibs4coXgTibSeicQoSodzE2KlpQiaiasHic4z3UvXTZPTFAcia22EFxic8B0kC6ngHUQvgMh7B0c%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNJyhYJFN7ibuXRClDibXKr9B3QABueFibs4coXgTibSeicQoSodzE2KlpQiaiasHic4z3UvXTZPTFAcia22EFxic8B0kC6ngHUQvgMh7B0c/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 style="color: rgb(0, 0, 0)">在同等50万保额、保终身、30年缴费的条件下（妈咪宝贝最长缴费29年），这四款产品价格差异不算极端，但长期累计还是能看出梯度。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">整体价格从低到高大致是：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text style="color: rgb(255, 79, 121)">达尔文宝贝计划15号 &lt; 大黄蜂17号全能版 ≈ 妈咪保贝爱常在B款 &lt; 青云卫6号</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text style="color: rgb(0, 0, 0)">达尔文宝贝计划15号最便宜，</span></span><strong><span><span text style="color: rgb(0, 0, 0)">青云卫6号最贵，另外两款差不多，比较适中。</span></span></strong></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(255, 79, 121)">五、我的挑选建议</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text style="color: rgb(0, 0, 0)">追求综合性价比、想要保障全面无短板</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">首选</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">大黄蜂17号全能版</span></span></strong><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">自带保障最多最全，重疾治疗相关责任拉满，保障均衡不出错，价格适中，适配绝大多数普通家庭，闭眼入都很稳妥。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text style="color: rgb(0, 0, 0)">看重大品牌、白血病专项保障拉满</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">首选</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">青云卫6号</span></span></strong><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">招商仁和，央企大品牌安全感足，白血病移植+术后津贴针对性极强，重疾病种最多，适合在意公司品牌、想强化孩子大病治疗康复保障的家庭。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text style="color: rgb(0, 0, 0)">预算有限，只求扎实基础保障</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">首选</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">达尔文宝贝计划15号</span></span></strong><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">四款里面价格最低，意外保障突出，</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">对卵圆孔未闭核保极度宽松</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">，孩子有先天小问题不好投保，优先选它。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text style="color: rgb(0, 0, 0)">想要少儿特疾赔付更高，兼顾日常小额医疗</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">首选</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">妈咪宝贝爱常在（B款）</span></span></strong><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">少儿特疾额外赔130%，四款最高，白血病用药、二次移植保障给力，还自带日常医疗账户，大病小病都能兼顾。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">最后给大家一个投保小提醒：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">不用盲目堆砌所有可选责任，</span></span><strong><span ><span text style="color: rgb(0, 0, 0)">基础保障配齐，按需加一份重疾多次赔或者癌症保障</span></span></strong><span ><span text style="color: rgb(0, 0, 0)">，就足够孩子终身兜底了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">不知道怎么搭配责任、不清楚孩子体检异常能不能正常投保，或者想要精准保费测算、专属投保方案，都可以直接加我，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(0, 0, 0)">我一对一帮你免费规划，帮大家花最少的钱，给孩子配齐最合适的保障：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXO3qAFCW8npvicTmhgWxCc0N27KdQMwXhFEebg6mibXCXrtTQ1kCAx00ibcqibkHcib0fkBibQ5wamReLWTc5SNgX9ww2eoDlibgRJjP0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXO3qAFCW8npvicTmhgWxCc0N27KdQMwXhFEebg6mibXCXrtTQ1kCAx00ibcqibkHcib0fkBibQ5wamReLWTc5SNgX9ww2eoDlibgRJjP0/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><br /></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><span text >最后简单跟大家介绍一下自己：</span></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >懂保爷平台成立于2018年；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >秉着向上向善的信仰，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >站在客户角度，以客户为中心，测评优中选优</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >为客户提供风险转嫁、</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >储蓄理财和退休养老方面的优质保险内容与服务。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >全网粉丝1000万+，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >已累计为10万+家庭解决过保险难题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >以成就安心生活为使命；</span></span></span></section><p ></mp-style-type></p>