<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">理赔简报</span></strong></span></section><p ><span >投保产品：达尔文3号重大疾病保险</span></p><p ><span >投保时间：2021年1月21日</span></p><p ><span >出险时间：2023年11月4日</span></p><p ><span >出险原因：冠状动脉粥样硬化心脏病</span></p><p ><span >缴纳保费：<span style="color: rgb(33, 89, 103)"><strong>5578元</strong></span></span></p><p ><span >理赔金额：<span style="color: rgb(33, 89, 103)"><strong>36万</strong></span></span></p><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、投保回顾</span></strong></span></section><section ><span >2021年李女士为自己的丈夫王先生配置了一份达尔文3号重大疾病保险，并附加恶性肿瘤拓展保险金、特定心脑血管疾病扩展保险金。</span></section><section ><span >保费<strong>5578元/年</strong>，基本保额是<strong>20万</strong>。</span></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMrcQ6DicM8dCxBQ1mGWhKupxkjFBrUK7er8NAmdctiboBdn5OXEPv7CyQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMrcQ6DicM8dCxBQ1mGWhKupxkjFBrUK7er8NAmdctiboBdn5OXEPv7CyQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">王先生保单</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>二、理赔过程</strong></span></section><section ><span >2023 年 11 月 4 日，王先生突然<strong>急性心肌梗死</strong>发作，在送往医院抢救的过程中心脏多次停跳，所幸最终得以成功救治，避免了悲剧。</span></section><section ><span >2023 年 11 月 21 日，王先生的诊断证明书表明病理结果为<strong>冠状动脉粥样硬化心脏病</strong>。</span></section><section ><span >经过 <strong>17 天的住院治疗</strong>，王先生顺利出院，但仍需回家静心休养一段时间。</span></section><section ><span >短短半个多月，治疗费用高达<strong>十多万</strong>，</span></section><section ><span >并且王先生在康复阶段暂时不能工作，全家的开销压力都由李女士一人承担。</span></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMziaYWrQR0wYHkw16lKK8mmsDehYJBxLVvI8zsbapReYriccNichyAwfsQ%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMziaYWrQR0wYHkw16lKK8mmsDehYJBxLVvI8zsbapReYriccNichyAwfsQ/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">诊断书</span></section><section ><span >距离投保时间已过两年，李女士怀着忐忑的心情联系上我们平台，请求理赔协助。</span></section><section ><span >理赔老师在了解了详细情况后，立即把所需准备的材料要求发给李女士。</span></section><p ><span >还贴心地附上了注意事项，避免走弯路，帮助李女士更快地拿到赔付款。</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMa7g2gWO16j2ItETVibus428b5ogeLTyErghlWxnCehNN53TXOx0wO3g%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMa7g2gWO16j2ItETVibus428b5ogeLTyErghlWxnCehNN53TXOx0wO3g/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(136, 136, 136)">聊天记录节选</span></p><section ><span >在理赔老师的帮助下，李女士终于将所有材料集齐并打包邮寄给保司。</span></section><section ><span >10个工作日后，保司审核通过并结案，李女士成功获赔36万元。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">三、理赔明细</span></strong></span></section><section ><span >理赔明细如下：</span></section><section ><span >达尔文3号<strong>60岁前</strong>重症赔付<strong>基本保额的180%</strong>。</span></section><section ><span >王先生赔付总额=基本保额20万*180%。</span></section><section ><span >共计<span style="color: rgb(33, 89, 103)"><strong>36万</strong></span>元。</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfM8LgaltZQjg6hpicE5jaGpqx3cVwDXbS28rqrBibgvuNzGLXTsK86UynA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfM8LgaltZQjg6hpicE5jaGpqx3cVwDXbS28rqrBibgvuNzGLXTsK86UynA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><span style="color: rgb(136, 136, 136); text-align: center">聊天记录节选</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">四、理赔感悟</span></strong></span></section><section ><span >通过这次理赔案件，能深刻体会到重疾险的重要性，</span></section><section ><span >王先生生病期间，李女士在医院和单位来回奔波，身体上和经济上都承受着巨大的压力，</span></section><section ><span >重疾险的给付属性，可以同时解决罹患疾病带来的高额治疗费以及后续的康复费用，还能弥补王先生康复期间无法工作的收入损失。</span></section><section ><span >王先生早年间血脂就有些问题，所以在挑选产品的时候，还附加了特定心脑血管疾病扩展保险金，</span></section><section ><span >如果符合王先生患有特定心脑血管疾病范围内的病症，那还可以额外获赔基本保额的150%，杠杆非常高。</span></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMnVQtUULRXWRItjdwMGK9NaRe5UuMbyATSU4foj1Sj2UwfITOAmQjXw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMnVQtUULRXWRItjdwMGK9NaRe5UuMbyATSU4foj1Sj2UwfITOAmQjXw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136); text-align: center">李女士为家人挑选产品</span></span></section><section ><span >达尔文系列重疾险这几年一直在更新换代，最新版本是由瑞华健康承保的</span><strong ><strong >「</strong>达尔文9号<strong >」。</strong></strong></section><section ><span ><strong><strong ></strong></strong></span></section><section style="text-align: left"><span style="text-align: center; color: rgb(0, 0, 0)">详细测评可点击：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&mid=2247498308&idx=1&sn=24d04437f523ed7caf5b7338a43afe45&chksm=c0c75908f7b0d01e3026d2d772fc13c5fae930176e7ab392d0a054944f93d2ec63a4598bc146&scene=21#wechat_redirect" textvalue="达尔文9号，首款"0元购"的重疾险！" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span style="text-align: justify">达尔文9号，首款"0元购"的重疾险！</span></a><span style="text-align: center; color: rgb(0, 0, 0)"></span></section><section ><span >全行业首创<strong>重疾保费补偿金</strong>：</span></section><section ><strong><span >在缴费期内罹患重疾，能够返还已交保费，实现“0元”购效果。</span></strong><span ></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMqXJpNXvaUIGP5PRic2mYjv74TB5BkwBEe2I90poaOj6TicmmynicPFMWA%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/ttibxYrpmzvSGzv70uTlYz7YEP5Va0ZfMqXJpNXvaUIGP5PRic2mYjv74TB5BkwBEe2I90poaOj6TicmmynicPFMWA/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><span >大家在购买保险产品时，尽量多了解、多对比。</span></section><section ><span >“选对平台+选对产品”才能最大限度发挥保单的作用。</span></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">有问题，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section></mp-common-profile></section><section ><span ></span></section><p ></mp-style-type></p>
