懂保爷排行榜 | 百万医疗险榜单出炉，最推荐这几款

<p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D13%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZB4VKQFhDFRDyvm5NRvQkCGkFyPFZWbfrTgqqFyvQ3mj0j9pkQnhTEzsoMzaeSTWngjtMXNHkxiaSg/640?wx_fmt=png&wxfrom=13&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >近几年，百万医疗险这块严重内卷。</span></p><p ><span >开始是卷保障，后来保障卷到顶后，又开始卷续保。</span></p><p ><span >从1年期短期产品，慢慢变成6年期保证续保，再到15年期，直到现在趋于稳定的<strong >20年保证续保</strong>。</span></p><p ><span >相应地，经过一次次迭代，好产品也都涌现了出来。</span></p><p ><span >人保的<strong >金医保</strong>和<strong >好医保</strong>、平安的<strong >长相安</strong>、太保的<strong >蓝医保</strong>，这4款都是当前百万医疗险市场的佼佼者。</span></p><p ><span >很多人都好奇哪款更值得买，今天我们测评见分晓。</span></p><section ><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><span style="color: rgb(33, 86, 104)"><strong >一、</strong></span></section></section></section></section></section><section ><span ><strong >直接看4款的产品形态。</strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDaxvL2TMiaKT4uj0cMW67pSIuGSzHKUZO613x33L0F5KZ5xbpgf0k0ZbxNbMWbicPcbPSyCIpGMw7w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDaxvL2TMiaKT4uj0cMW67pSIuGSzHKUZO613x33L0F5KZ5xbpgf0k0ZbxNbMWbicPcbPSyCIpGMw7w/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p ></o:p></section><section ><span >承保年龄这块：</span></section><section ><span >长相安最高承保至70岁，蓝医保则是65岁，这俩相比人保的金医保、好医保对60岁以上人群更友好。</span></section><section ><span >但要注意的是，长相安、蓝医保超55岁都需体检才能投保，这就把身体不好的人筛选掉了。</span></section><section ><span >再就是大家关心的保证续保问题，4款都是保证续保20年，也是目前百万医疗险的极限了。</span><o:p ></o:p></section><section ><span >意味着不管今年生病出险，还是产品明年停售，20年内的医疗保证是有了。</span></section><section ><span >还有个小点是住院限制，</span></section><section ><span >正常情况下，这4款产品都要求在二级及二级以上公立医院。</span><o:p ></o:p></section><section ><span >但蓝医保、金医保允许在急危病重及转院时不受限制，例如在有严重急性病，附近没有符合要求医院时，这就相对宽松一点。</span><o:p ></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZBuicRvC95dpmVxjoekwPsbCfXgqM6P07YHPqtIibkCg6kD9g2B7l7GSDvP0ta2koSxhbibhlGAPDsrA%2F640%3Fwx_fmt%3Djpeg%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZBuicRvC95dpmVxjoekwPsbCfXgqM6P07YHPqtIibkCg6kD9g2B7l7GSDvP0ta2koSxhbibhlGAPDsrA/640?wx_fmt=jpeg&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >此外，蓝医保住院垫付仅支持重疾住院，不像其他3款那样宽松，资金压力大时可能会不太方便。</span></section><section ><span style="color: rgb(33, 86, 104)"><strong >二、</strong></span></section><section ><span ><strong >1、保额：</strong></span></section><section ><span >百万医疗保额分两种：年度最高保销保额、保证续保期内限额</span></section><section ><span ><strong >年度最高保销保额</strong>：好医保是一般医疗、重疾医疗、质子重离子、院外药共享400万；</span></section><section ><span >另3款，总限额400万，一般医疗200万，重疾、质子重离子共享400万；这也足够使用了；</span></section><section ><span ><strong >保证续保期内限额</strong>：金医保、长相安、蓝医保20年总限额800万，平均每年20万，足够使用了，好医保就没有这个限制了；</span></section><section ><span ><strong >2、<span style="color: var(--weui-LINK)">免赔额</span>：</strong></span></section><section ><span >都是1万免赔门槛，金医保和长相安相对友好；</span></section><section ><section ><span >长相安无理赔的前提下，次年免赔额可降1000，最低降至5000元；金医保同理，最高可减3000元；</span></section><section ><span ><br /></span></section><section ><span >重点是金医保，重疾医疗0免赔，很优秀。</span></section><section ><span ><br /></span></section><section ><span >另外，长相安、金医保家庭一起投保可打折，且家庭可共享1万元免赔额，非常人性化；</span></section><section ><span ><br /></span></section><section ><span >蓝医保和好医保都是1万免赔额，但蓝医保家庭（2人及以上）投保也可共享1万免赔额，好医保则没有这个优势；</span></section></section><section ><span ><strong >3、其他事项</strong><br /></span></section><section ><span >外购药：金医保和长相安都是157种含2种CAR-T，蓝医保130种含2种CAR-T，好医保只有93种且不含2种CAR-T，药品种类较少，逊色其他3款；</span><o:p ></o:p></section><section ><span >质子重离子都有就不细说了。</span></section><section ><span >这块除了外购药只能报销90%的好医保，其他3款都相差不大。</span></section><section ><span >至于报销90%算不算缺点，我认为影响还是有的。</span></section><section ><span >就像曾经的现象级电影《我不是药神》，很多特效药一年就得几十万吃，少10%能减轻家庭很多压力。</span></section><section ><span >还有就是免责条款，</span></section><section ><span >注意2点，一是基因疗法和细胞免疫疗法；</span></section><section ><span >蓝医保可以保，其他3款对这两个疗法是直接免责；</span><o:p ></o:p></section><section ><span >这两项疗法是目前治疗癌症最前沿的疗法，特定情况下很有作用。</span><o:p ></o:p></section><section ><span >二是人工器官；</span><o:p ></o:p></section><section ><span >长相安最严格，只报销心脏瓣膜、人工晶体和人工关节；其他3款保障更全。</span></section><section ><span >综上所述，根据保障内容综合排名：金医保&gt;长相安&gt;蓝医保≈好医保；</span></section><section ><section powered-by="xmyeditor.com" ><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><span style="color: rgb(33, 86, 104)"><strong >三、</strong><br /></span></section></section></section></section></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZBRYzLO2vTiaUa58x3QkicavLksoAwYXiaoTPQ8yLpTdkzZmTD8uqeOC3WX6dqqSrlTJOpwCtj6dMc7w%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwxpic" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZBRYzLO2vTiaUa58x3QkicavLksoAwYXiaoTPQ8yLpTdkzZmTD8uqeOC3WX6dqqSrlTJOpwCtj6dMc7w/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1&tp=wxpic" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong >当保障内容相似时，无法做出选择，我们就看谁更优惠；</strong></span><o:p ></o:p></section><section ><span ><strong >我们以“有社保、只选择基础保障、不附加其他可选责任”为例。</strong></span><o:p ></o:p></section><section ><span >0-10岁：金医保拔得头筹，保费最低；</span><o:p ></o:p></section><section ><span >20岁时：好医保最低，只有149元，一个月才12.4块，着实便宜</span><o:p ></o:p></section><section ><span >30-40岁：金医保保费依旧最低；长相安、蓝医保相互纠缠只差个十几块；好医保最贵，不考虑；</span><o:p ></o:p></section><section ><span >50岁：金医保还是最低；</span><o:p ></o:p></section><section ><span >60岁：长相安最便宜；好医保最贵。</span></section><section ><span ><strong >按照保费排名：金医保&gt;长相安&gt;蓝医保&gt;好医保</strong></span><o:p ></o:p></section><section ><section ><section powered-by="xmyeditor.com" ><section powered-by="xmyeditor.com" ><span style="color: rgb(33, 86, 104)"><strong >四、</strong></span></section></section></section></section><section ><span ><strong >总结一下；</strong></span></section><section ><span >首先，不太建议选择好医保，好医保在免赔额、院外药保销及保费上是不占优势的；</span></section><section ><span >至于金医保、蓝医保和长相安的三者选择。</span></section><section ><span ><strong >个人偏向金医保。</strong></span></section><section ><span ><strong >免赔额能降到7000元，重疾、院外药、质子重离子都是0免赔额，投保不需要体检，相当宽松，院外药高达157种，整体保费也最低；</strong></span></section><section ><span >总的来说:</span></section><section ><span >年龄0-55岁身体比较健康，优先考虑金医保&gt;长相安=蓝医保；</span></section><section ><span >年龄55岁以上或健康有异常，优先金医保和好医保，这两款产品55岁以上投保不需要体检及人工核保；</span></section><section ><span >年龄65-70岁想买百万医疗，就只有长相安可以选择了。</span></section><section ><span >最后，附上最百万医疗险挑选建议图：</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDaxvL2TMiaKT4uj0cMW67pS5B9ef8ReJjDowtlWFlJLrCvoxvI6OcnrswhnVkSayO4fwyXLGw3ibFg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDaxvL2TMiaKT4uj0cMW67pS5B9ef8ReJjDowtlWFlJLrCvoxvI6OcnrswhnVkSayO4fwyXLGw3ibFg/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 86, 103)"><em ><strong >有问题，可扫描下图二维码咨询我团队的专业规划老师。</strong></em></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><span >‍</span></p><p ></mp-style-type></p>