【视频】别去买捆绑型保险了，太不善良了

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvpVTgUF6HL92D7QxLU4oZHHGWvCPtKictWv6PAOzoiaDVNd9bPicyicpsgNmLZb0O33k4ljD7ibyP83sQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvpVTgUF6HL92D7QxLU4oZHHGWvCPtKictWv6PAOzoiaDVNd9bPicyicpsgNmLZb0O33k4ljD7ibyP83sQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">点上方图片看看【封面图的故事】</span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">Hi，保姑视频来咯！</span></section><section ><span style="color: rgb(255, 169, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">学海无涯，一期一会。</span></section><section ><span style="color: rgb(255, 169, 0)"><br /></span></section><section ><span style="color: rgb(255, 169, 0)">今天给大家科普下保险界中“谁踩谁掉坑”的<strong>捆绑型保险</strong>~<br /></span></section><section ><br /></section><section style="text-align: center"><span style="text-align: center; color: rgb(136, 136, 136)">先看视频版听我BB~听完可以收藏下面文字稿</span><span style="text-align: center; color: rgb(136, 136, 136)">👇</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >--文字稿--</span></section><section style="text-align: center"><span ><br /></span></section><p ><span >最近从几百份你们给我发的保单来看，两个大家最容易买错落坑的险种：</span></p><p ><span ><br /></span></p><p ><strong><span >一是返还型保险；</span><span >二就是捆绑型保险。</span></strong></p><p ><span ><br /></span></p><p ><span >今天我们主要讨论一下捆绑型保险的套路。</span></p><p ><span ><br /></span></p><p ><span >捆绑捆绑，就是将多个险种打包在一起，再取个好听的名字一次性销售给你。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">像什么什么福，什么什么寿，什么什么康瑞，什么什么人生等等。</span></p><p ><span ><br /></span></p><p ><strong><span >是不是听着耳熟？</span></strong></p><p ><span ><br /></span></p><p ><span >总体让你感觉这份保险，保障还挺全的，</span></p><p ><span ><br /></span></p><p ><span >什么重疾啊，身故啊，意外啊，医疗啊，都保一些。</span></p><p ><span ><br /></span></p><p ><span >但其实，这里面保险公司打了很多如意算盘。</span></p><p ><span ><br /></span></p><p ><span >下面仔细跟大家说一说。</span></p><p ><span ><br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(255, 169, 0)"></span></p><section ><span ><strong ><span style="color: rgb(36, 89, 102)">一</span></strong></span></section><section ><br /></section><section ><span >这些捆绑型保险，一般是<strong >主险+附加险</strong>的形式。</span></section><section ><span >&nbsp;</span></section><section ><span >举个例子：</span></section><section ><span >&nbsp;</span></section><section ><span >某线下典型的一款捆绑型保险（化名：福），</span></section><section ><span >&nbsp;</span></section><section ><span >包含<strong >1个主险、1个必选附加险</strong>和<strong >若干个可选附加险</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(36, 89, 102)">主险是一个<strong >终身寿险</strong>，必选附加险是<strong >终身重疾险</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span ><span >其他<strong >可选附加险</strong>就多了，</span>什么长期意外险、重疾/轻症保费豁免、心脑血管疾病多次赔付等等都有。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">可选附加险要额外加钱，这个不管什么保险都一样，至少你有选择权，那这个无可厚非。</span></section><section ><br /></section><section ><span >但它的<strong >主险和必选附加险</strong>这2个最贵的险种一定要<strong >捆绑在一起销售</strong>，这就是捆绑型保险的第一大坑。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">主险终身寿险，终身寿险，但是你知道吗？99%的人都不需要终身寿险啊！</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span ><span >同样保额，终身寿险的价格一般是保至60岁定期寿险价格的<strong >8到10倍</strong>。</span></span></section><section ><br /></section><section ><span >所以我一再强调，<strong >寿险投保定期</strong>的就可以，你没到那个有几千万上亿财产需要传承的份上，<strong >你不要买终身寿险</strong>。</span></section><section ><br /></section><section ><span >因为<strong >寿险</strong>的作用是用来延续家庭的经济责任，<strong >保障至65岁左右</strong>就完全可以了。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">到了六七十岁，孩子已经是家庭的经济支柱，那个时候的你，对整个家庭而言，已经没有经济责任了，身故离开不会对家庭的经济造成巨大影响。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >所以花那么高的保费买的主险却是一份根本不必要的终身寿险。</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">简直太让人崩溃了！</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 169, 0)">所以第一个坑就是捆绑销售一份你完全不需要的保险。</span></section><section ><br /></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(36, 89, 102)">二</span></strong><br /></span></section><section ><br /></section><section ><span style="color: rgb(36, 89, 102)">那么第二个坑是什么呢？</span></section><section ><br /></section><section ><span >30岁男性投保51万主险（终身寿险）、50万必选附加险（终身重疾险）和50万长期意外险，分30年缴费：&nbsp;&nbsp;</span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztCR0kzyFhCctxd7Toicw9QhNZKomltPedeURzchjrJOhJN1m0cdv9ZQCwcYbQicWpmvfFwUdraKwRw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztCR0kzyFhCctxd7Toicw9QhNZKomltPedeURzchjrJOhJN1m0cdv9ZQCwcYbQicWpmvfFwUdraKwRw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span ><span >我们先看</span>主险<strong >终身寿险</strong><span >，和必选附加的</span><strong >终身重疾险</strong><span >。</span><br /></span></section><section ><br /></section><section ><span >看到这个方案，是个人都会觉得：</span></section><section ><br /></section><section ><span ><strong >寿险有51万保额，重疾险有50万保额。</strong></span></section><section ><br /></section><section ><span >那么得了重疾，先赔50万重疾保额，之后如果因为没治好或者其他原因身故了，会再赔51万寿险保额。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">但是这里有个神坑操作：</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >它不仅把终身寿险和终身重疾险捆绑在一起，而且这里的<strong >保额居然是两者共用的</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">这是什么意思呢？</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">51万的寿险保额，50万的重疾险保额。</span></section><section ><span >&nbsp;</span></section><section ><span >条款规定，<strong >重疾理赔了50万后，寿险只会赔51-50=1万了</strong>。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztCR0kzyFhCctxd7Toicw9QhdsZ2UBEdp2ZM6rCcEf2yp6lyFapupjX6tHdL2uLv4liaTvxwAD57TLw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztCR0kzyFhCctxd7Toicw9QhdsZ2UBEdp2ZM6rCcEf2yp6lyFapupjX6tHdL2uLv4liaTvxwAD57TLw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">该产品条款</span></section><section ><span >&nbsp;</span></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">我的妈呀，这让消费者看条款，看到什么时候能发现这种坑啊。</span></strong></span></section><section ><br /></section><section ><span >明明是投保了两个险种，保险公司收了两份钱，却只赔一个。</span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)"><strong >我真的无力吐槽。</strong></span></section><section ><br /></section><section ><span >这是捆绑型保险的第二大坑。</span></section><section ><br /></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(36, 89, 102)">三</span></strong><br /></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">接下来再看看附加的<strong >长期意外险</strong>。</span></section><section ><br /></section><section ><span >作为一份保额仅50万的意外险，它的<strong >价格竟然高达1900元</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">要知道市面上热销的、可单独购买的意外险，同保额的价格都在100-200元之间。</span></section><section ><br /></section><section ><span >比如众惠大护法成人意外险是<strong >158元</strong>50万保额，国寿成人意外险是<strong >160元</strong>50万保额。</span></section><section ><span >&nbsp;</span></section><section ><span >那有人说这款保长期啊，你说的只保一年。</span></section><section ><br /></section><section ><span >好，我们简单算一下就清晰了。</span></section><section ><br /></section><section ><span ><strong >福保至70岁，30年缴费总保费是：</strong></span></section><section ><br /></section><section ><span ><strong >1900元✖️30年=57000元</strong></span></section><section ><span >&nbsp;</span></section><section ><span >我们看下，如果投保大护法成人意外险到70岁的总保费<span style="color: rgb(136, 136, 136)">（意外险按意外发生概率定价，所以费率不会随年龄增长而增加的）</span>：</span></section><section ><br /></section><section ><span ><strong >158元✖️40年=6320元</strong></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">9倍的差价！！！！！！</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >不仅如此，更让我郁闷的是，捆绑的这个意外险保障也很差。</span></section><section ><br /></section><section ><span >比如很重要的<strong >意外医疗责任，它根本没有，</strong>而我举例的两种一年期意外险都包含<strong >几万元的意外医疗责任。</strong></span></section><section ><br /></section><section ><br /></section><section ><span ><strong style="color: rgb(33, 89, 103)">最后</strong></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">写到这里，情绪有点激动，<strong ><span >感</span></strong></span></strong><strong ><span style="color: rgb(255, 169, 0)">觉有一万只某种马奔腾而过~~~~~~</span></strong></span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)">总之，你们不要去买这种险，太不善良了。</span></section><section ><br /></section><section ><span >这些话我们是不会从线下代理人那里听到的。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">他们只会说，一份保险多种保障让你省心，买一个，所有保障就都有了，而且大公司品牌值得信赖。</span></section><section ><span >&nbsp;</span></section><section ><span ><span style="color: rgb(255, 169, 0)">但是没有人会告诉你，捆绑型产品中</span><strong ><span style="color: rgb(255, 169, 0)">有些险种不需要、有些险种贵的出奇，有些险种保障责任弱爆了。</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">从大家让我分析的保单可见，像这样神坑的捆绑型保险不是个例，这应该是大多数代理人手中最常见的一类保险。</span></section><section ><br /></section><section ><span >名字不一样，套路倒是都一样。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">所以，你们天天说保险是骗子，出了事这也不赔那也不赔，那是因为你买的时候<strong >被忽悠的多，搞清楚的少</strong>。</span></section><section ><span >&nbsp;</span></section><section ><span >最后结果就是，拿着10万、20万保额的保单来问我怎么样，我只能看着保单唏嘘......</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">这么低保额的保单其实违背了买保险的真正初衷，因为买保险就是买保额、买杠杆，用这个杠杆获得应对风险的经济能力。</span></section><section ><span >&nbsp;</span></section><section ><span >这些所谓的大公司，利用品牌和代理人数量优势，强行把几种保险捆绑起来一起销售，设计得很复杂。</span></section><section ><br /></section><section ><span >就是生怕你能看明白，也让你找不到同类产品做对比。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong >不出险还好，最怕就是花了那么多钱，结果出险时，才发现跟自己想的不一样。</strong></span></section><section ><br /></section><section ><span ><strong ><span style="color: rgb(255, 169, 0)">说多了都是泪，如果我能在大家买保险前帮助到你们一点，那也算是做了件好事。</span></strong><br /></span></section><section ><br /></section><section ><span >有问题来问我，保姑帮你解决~</span></section><p ><span ></span><br /></p><p ><br /></p><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</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"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)">保爷精选保险</span></span></section><section label="Powered by 135editor.com" ><section ><br /></section><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>