<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><p style="text-align: justify"><span><span text >现在很多家庭，可能都有一辆电动车。</span></span></p><p style="text-align: justify"><span><span text >平时买个菜、接个孩子、上下班，或者出去办点事，距离不远的时候，骑电动车确实比开车方便多了。</span></span></p><p style="text-align: justify"><span><span text >但有一个问题，很多人可能从来没有认真想过：</span></span></p><p style="text-align: justify"><strong><span><span text >电动车导致的意外事故，真的不少。</span></span></strong></p><p style="text-align: justify"><span><span text >在全国城市道路的交通事故里，</span></span><strong><span><span text >平均每10起就有1起是电动自行车肇事</span></span></strong><span><span text >。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOZrh3JdsaJxJpOdFHPMYkmLEwULyqX57kCGdGwCYkNcOf3QpADxyDI9R2z9jSTK643TgdKgIiaHv3Cg5718kPshAWR5y2tDfzs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOZrh3JdsaJxJpOdFHPMYkmLEwULyqX57kCGdGwCYkNcOf3QpADxyDI9R2z9jSTK643TgdKgIiaHv3Cg5718kPshAWR5y2tDfzs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: center"><span><span text style="color: rgb(136, 136, 136)">数据来源：央视新闻</span></span></p><p style="text-align: justify"><span><span text >你可能觉得，</span></span></p><p style="text-align: justify"><span><span text >电动车又不像汽车，速度也没那么快，应该没什么大问题。</span></span></p><p style="text-align: justify"><span><span text >但实际上，</span></span></p><p style="text-align: justify"><span><span text >路面打滑、突然急刹、转弯没控制好、前面的车突然变道、逆行，发生碰撞......</span></span></p><p style="text-align: justify"><span><span text >都可能把人直接摔出去。</span></span></p><p style="text-align: justify"><span><span text >而且，电动车不像汽车有车身、安全带、安全气囊这些保护措施，现在很多人戴头盔的意识也不强，</span></span></p><p style="text-align: justify"><strong><span><span text >一旦摔倒，身体基本就是直接和地面“硬碰硬”。</span></span></strong><strong><span><br /></span></strong></p><p style="text-align: justify"><strong><span><span text >这个风险到底有多大？</span></span></strong></p><p style="text-align: justify"><strong><span><span text >平均每小时，就有1名电动车骑行者死于事故，另有5个人受伤</span></span></strong><span><span text >。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOh8iaF22AkK6dpoYRYdIt2eYngOB8c5vQiafSHuEaXIovESo4ehnibLqmWhPDJtIsIT4icdvE3emcib82FTJEibtRTw59DQp1kZeUQ8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOh8iaF22AkK6dpoYRYdIt2eYngOB8c5vQiafSHuEaXIovESo4ehnibLqmWhPDJtIsIT4icdvE3emcib82FTJEibtRTw59DQp1kZeUQ8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: justify"><span ><span text >到这里，可能还是会有人觉得：</span></span></p><p style="text-align: justify"><span ><span text >“我骑了这么多年电动车，也没出过什么事啊。”</span></span></p><p style="text-align: justify"><span ><span text >但说实话，</span></span><strong><span ><span text >意外本身就是小概率事件，可是一旦发生，带来的损失就可能很大了。</span></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以，我建议所有骑电动车的人都买一份意外险。</span></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)"><br /></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 style="color: rgb(64, 34, 15)">一</span></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 >为什么骑电动车的人，值得买一份意外险？</span></span></span></section><p style="text-align: justify"><strong><span ><span text >第一，意外险保的，就是骑电动车最容易发生的风险</span></span></strong></p><p style="text-align: justify"><span ><span text >比如骑车的时候不小心摔了一跤，导致骨折、韧带损伤，需要住院治疗；或者发生交通事故，造成比较严重的伤残；</span></span></p><p style="text-align: justify"><span ><span text >更严重一点，如果因为意外不幸身故，意外险也可以按照合同约定赔付。</span></span></p><p style="text-align: justify"><span ><span text >也就是说，</span></span><strong><span ><span text >从摔伤、骨折，到住院、伤残，甚至不幸身故，意外险都能提供相应的保障。</span></span></strong></p><p style="text-align: justify"><span ><span text >当然，不同产品的保障责任不一样，有的意外医疗报销范围更广，有的伤残保障更高，所以买的时候还是要具体看保障内容，选性价比高的。</span></span></p><p style="text-align: justify"><strong><span><span text >第二，意外险很便宜，而且杠杆很高</span></span></strong></p><p style="text-align: justify"><span><span text >一份基础的意外险，一年通常</span><span text >几十块到一两百块钱</span><span text >，就能买到几十万甚至上百万的意外身故/伤残保障。</span></span></p><p style="text-align: justify"><span><span text >换句话说，</span></span><strong><span><br /></span></strong></p><p style="text-align: justify"><strong><span><span text >一年也就一顿饭钱，就能撬动几十万甚至上百万的保障。</span></span></strong></p><p style="text-align: justify"><span><span text >而且你想想，</span></span></p><p style="text-align: justify"><span><span text >骑电动车摔一跤，哪怕只是骨折、住院，</span><span text >花个几百、几千甚至更多，可能就已经覆盖好几年的意外险保费了</span><span text >。</span></span></p><p style="text-align: justify"><span><span text >真的很划得来~</span></span></p><p style="text-align: justify"><span><br /></span></p><p style="text-align: justify"><strong><span><span text style="color: rgb(64, 34, 15)">二</span></span></strong></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 >具体应该买哪一款？</span></span></strong></p><p style="text-align: justify"><span><span text >目前市场上的成人意外险很多，</span></span></p><p style="text-align: justify"><span><span text >但如果你平时</span></span><strong><span><span text >经常骑电动车、骑自行车</span></span></strong><span><span text >，我比较建议关注一下</span></span><strong><span><span text >人保的大护甲9号旗舰版</span></span></strong><span><span text >。</span></span></p><p style="text-align: justify"><span><span text >为什么？</span></span></p><p style="text-align: justify"><span><span text >因为它的一个优势就是，</span></span><strong><span><span text >对于单车事故没有额外限制</span></span></strong><span><span text >。</span></span></p><p style="text-align: justify"><span><span text >也就是说，平时骑电动车上下班、买菜、接送孩子，如果不小心摔倒受伤，只要符合合同约定，就可以按照相应的保障责任进行赔付。</span></span></p><p style="text-align: justify"><span><span text >而且，</span><span text >价格也很便宜</span><span text >，138起。</span></span></p><p style="text-align: justify"><span><span text >这款产品一共有</span></span><strong><span><span text >4个版本</span></span></strong><span><span text >，保障额度和价格都有区别。</span></span></p><p style="text-align: justify"><span><span text >我把几个版本放在一起，大家看起来会更直观：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNj7UUWQ6OaACVAnsrH1mkb1A3qNlYY3axRqHQoWFSRyR7mCdJDSfKbPkhe2o2IEpdbpKYMLMiaficPZTQwhTQwvXHWV1R7MsiciaM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNj7UUWQ6OaACVAnsrH1mkb1A3qNlYY3axRqHQoWFSRyR7mCdJDSfKbPkhe2o2IEpdbpKYMLMiaficPZTQwhTQwvXHWV1R7MsiciaM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: justify"><span><span text >如果是我来选，</span></span><strong><span><span text >我会建议大家至少考虑尊贵版。</span></span></strong></p><p style="text-align: justify"><span><span text >因为经典版虽然便宜，一年只要</span></span><strong><span><span text >138元</span></span></strong><span><span text >，但意外医疗只有</span></span><strong><span><span text >3万元</span></span></strong><span><span text >，住院津贴、骨折脱臼等保障都没有。</span></span></p><p style="text-align: justify"><span><span text >而尊贵版一年是</span></span><strong><span><span text >168元</span></span></strong><span><span text >，只比经典版贵</span></span><strong><span><span text >30块钱</span></span></strong><span><span text >。</span></span></p><p style="text-align: justify"><span><span text >但保障一下子升级了不少：</span></span></p><p style="text-align: justify"><strong><span><span text >意外医疗从3万提高到了6万</span><span text >；</span><span text >如果因为意外导致</span></span></strong><strong><span><span text >骨折、脱臼</span></span></strong><span><span text >，还有额外的医疗费用保障；住院了，还有</span></span><strong><span><span text >100元/天的住院津贴</span></span></strong><span><span text >。</span></span></p><p style="text-align: justify"><span><span text >骑车的时候不小心摔了一跤，导致手腕骨折，需要住院治疗，就都用得上了。</span></span></p><p style="text-align: justify"><span><span text >当然，如果你的预算比较充足，也可以选择</span></span><strong><span><span text >至尊版或者至尊版PRO，保障更好</span><span text >。</span></span></strong></p><section style="text-align: justify"><span><span><br /></span></span></section><p style="text-align: justify"><span><span text >总之，经常骑电动车，</span></span><strong><span><span text >意外险建议都配上。</span></span></strong></p><p style="text-align: justify"><span><span text >一年一两百块钱，把几十万的意外风险先兜住，我觉得这笔钱还是很值得花的。</span></span></p><p style="text-align: justify"><span><span text >当然，最后还是要提醒大家：</span></span></p><p style="text-align: justify"><strong><span><span text >保险只是最后一道防线，骑电动车最重要的还是遵守交通规则、戴好头盔、不要逆行，更不要超速。</span></span></strong></p><p style="text-align: justify"><span><span text >能平平安安到家，当然是最好的~</span></span></p><p style="text-align: justify"><span><span text >对产品感兴趣，有任何问题，可以跟我聊一聊，或者直接点文末</span><span text >【阅读原文】</span><span text >投保。</span></span></p><p style="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%2FiaZHDj9icvRXPFCvycFF6Dz8o37Itje3Mibg2chicBA5KknicR0ribpjnBBb6bRPhJdTZyGPx1zuYYKFpjYB26HkOZEibdAOmm8kibwibljdiauQiawrWg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D4" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPFCvycFF6Dz8o37Itje3Mibg2chicBA5KknicR0ribpjnBBb6bRPhJdTZyGPx1zuYYKFpjYB26HkOZEibdAOmm8kibwibljdiauQiawrWg/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=4" 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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >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></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 >「成人意外险」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPYkZYYia5h8sVw1rLG2iaBy3agqtIicn6oqoDNQiaMjdDrM8WtGViafmkowYNOmpMdgiaXKraJ6a4YwhO7JTbTuCo3T6WSiaa3r82opk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPYkZYYia5h8sVw1rLG2iaBy3agqtIicn6oqoDNQiaMjdDrM8WtGViafmkowYNOmpMdgiaXKraJ6a4YwhO7JTbTuCo3T6WSiaa3r82opk/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 >第2-最新更新的2类7大保险榜单</span></span></p><section align="" border="" aria-label="" aria-braillelabel="" aria-description="" height="" hspace="" ismap="" opacity="" sizes="" title="" type="block" usemap="" vspace="" width="" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMkgGEttzHic9DGCdMQX5BCShGwZdQQ43Qp7oOERFaZMVMial7pCymOSNkiad0m0z1kT5y8TPdicJ2AF7J7e9jk1kVCc04LV3USjDU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMkgGEttzHic9DGCdMQX5BCShGwZdQQ43Qp7oOERFaZMVMial7pCymOSNkiad0m0z1kT5y8TPdicJ2AF7J7e9jk1kVCc04LV3USjDU/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 >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 style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOAn0jLW78d1YhficuZPHTwwVPBPjLe3frANjeNuXftXVUj0QCd7M8qEk3VGUMuJwnViaYHdhPNGmjiaYBw9LFRMm53D3ntC1xwVY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOAn0jLW78d1YhficuZPHTwwVPBPjLe3frANjeNuXftXVUj0QCd7M8qEk3VGUMuJwnViaYHdhPNGmjiaYBw9LFRMm53D3ntC1xwVY/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 >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 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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); 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