<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&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%2FaqibLpHUEcztTeKd1ic07IU80zdcNyyoBmHxxZ7ibjhvK2CA9FFgG9ybF4Qj9Iicn9iatVK22ibYNkrh21DiclrfWu0tQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztTeKd1ic07IU80zdcNyyoBmHxxZ7ibjhvK2CA9FFgG9ybF4Qj9Iicn9iatVK22ibYNkrh21DiclrfWu0tQ/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)">点上方图片看看【封面图的故事】</span><br /></section><p ><br /></p><p ><span >本期的分享案例是2起<strong>小额医疗险</strong>出险案例，两家孩子都是普通感冒，分别</span><span >获赔74.03+189.06元。</span></p><p ><span ><br /></span></p><p ><span >下面我们一起看下。</span></p><p ><br /></p><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>理赔简记</strong></span></section></section></section></section></section></span></section><p ><br /></p><ul ><li style="color: rgb(33, 89, 103)"><p ><strong>被保人：</strong>崔先生孩子 / 郭女士孩子</p></li><li style="color: rgb(33, 89, 103)"><p ><strong>投保险种：</strong>华泰健康宝宝少儿门急诊险</p></li><li style="color: rgb(33, 89, 103)"><p ><strong>投保时间：</strong>2021年3月 / 2020年10月</p></li><li style="color: rgb(33, 89, 103)"><p ><strong>出险原因：</strong>普通<span >感冒</span></p></li><li style="color: rgb(33, 89, 103)"><p ><strong><span >出险时间：</span></strong><span >2021年6月</span></p></li><li style="color: rgb(33, 89, 103)"><p ><strong>获赔金额：</strong>74.03 / 189.06元<strong><strong ></strong></strong></p><p ><br /></p></li></ul><section ><section ><section ><section ><section ><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong>理赔回顾</strong></span></section></section></section></section></section></span></section></section></section></section></section></section><p ><br /></p><p ><span >这是两位家长给各自孩子买了<strong>小额医疗险</strong>后的理赔案例。</span></p><p ><span ><br /></span></p><p ><span >其中崔先生属于家有两娃，大娃之前已经买了保险，在【懂保爷】平台咨询后，</span></p><p ><span ><br /></span></p><p ><span >从实用角度考虑，给二娃买了一份<span >非常适合儿童投保的小额医疗险—</span><strong >华泰健康宝宝少儿门急诊险。</strong></span></p><p ><span ><br /></span></p><p ><span >同时包含<strong>门（急）诊</strong>+<strong>住院</strong>责任，门诊免赔额仅有100元，住院更是0免赔。<br /></span></p><p ><span ><br /></span></p><p ><span >还可以线上理赔，非常便捷。<br /></span></p><p ><span ><br /></span></p><p ><span >如上月崔先生家二娃感冒，门诊花费223.89元，扣除100免赔额后，报销了<strong>74.03</strong>元</span><span style="color: rgb(136, 136, 136)">（因为没用社保结算，只报销60%）</span><span >。<br /></span></p><p ><span ><br /></span></p><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztTeKd1ic07IU80zdcNyyoBm11urEj15PcDzgzb0S95FWNMXvmHHcGtUltt627SoscVL7rek73ZdHQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztTeKd1ic07IU80zdcNyyoBm11urEj15PcDzgzb0S95FWNMXvmHHcGtUltt627SoscVL7rek73ZdHQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></section><p ><span ><br /></span></p><p ><span >另一位家长郭女士，则是去年初为人母后，觉醒了保险意识，</span><span >担心</span><span >自己不能给</span><span >孩子很好的</span><span >疾病保障。</span></p><p ><span ><br /></span></p><p ><span >在【</span><span >懂保爷】</span><span >平台咨询后</span><span >，</span><span >规划</span><span >老师为她</span><span >推</span><span >荐</span><span >了终身重疾险+小额医疗险+百万医疗险的组合</span><span >。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">小额医疗险选的依旧是华泰健康宝宝。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span >同样在上月，郭女士家孩子感冒就诊。</span></p><p ><span ><br /></span></p><p ><span >连续两天，分别花费345.39元、172.72元。</span></p><p ><span ><br /></span></p><p ><span >扣除免赔额+自费的9元后，赔付144.53+44.53=<strong>189.06</strong>元。<br /></span></p><p ><span ><br /></span></p><section ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztTeKd1ic07IU80zdcNyyoBmpIZSO4oXAgGsA6S468vQecwia56EsAhSW5h9Khic2Nr4ETWl7OwIKabQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztTeKd1ic07IU80zdcNyyoBmpIZSO4oXAgGsA6S468vQecwia56EsAhSW5h9Khic2Nr4ETWl7OwIKabQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></span></section><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">注意：在「懂保爷」公众号投保的朋友，可以选择联系公众号的协赔专员，再向保险公司报案，我们会全程提供理赔协助：</span></p><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztJ2AJwfjmibWITsubs4Y23WbzgJHESD2qDKM9fycMKInuice3tqUvuBHb7nful1paDQY0aQ83P0htw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztJ2AJwfjmibWITsubs4Y23WbzgJHESD2qDKM9fycMKInuice3tqUvuBHb7nful1paDQY0aQ83P0htw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >以上两起案例也佐证了我们常说的理念：</span></p><p ><span ><br /></span></p><p ><strong><span >孩子在配置终身重疾险后，最应该买的是小额医疗险，而不是百万医疗险！</span></strong><span ><br /></span></p><p ><span ><br /></span></p><section ><span >因为未成年的孩子，身体肯定不如大人耐抗，一年去好几次医院很正常。</span></section><section ><span ></span></section><section ><br /></section><section ><span >尤其孩子容易感冒发烧、肺炎支气管炎啥的，去一次医院，买小额医疗险的几百块保费就“收回”了。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">而正常百万医疗险“起付线”高达1万，能住院花1万的病，重疾险有90%的可能用到了。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">即便真没用到，正常小额医疗险能报销2-10万，这个保额基本覆盖重疾险之下的所有疾病了。</span></section><section ><br /></section><section ><span >所以孩子有<strong >终身重疾险+小额医疗险</strong>就够了，真有钱再去考虑百万医疗险，作为这二者的补充。</span></section><section ><br /></section><section ><span >真别觉得给孩子买个百万医疗险就行了，一点不靠谱！</span></section><p ><span ><br /></span><span style="color: rgb(136, 136, 136)">具体建议家长们看看：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794031&idx=1&sn=b76de391ba7cd51ab6cf93215c71bb55&chksm=b2b0782d85c7f13bc87bf9715446363a0f928dfa7a56e00f6685b19a22a30dff1c705fabcab1&scene=21#wechat_redirect" tab="innerlink" ><span >别无脑买百万医疗险了，没你想的那么重要！</span></a></p><p ><span ><br /></span></p><p ><span >希望大家别被误导了。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">我们下期再见~</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><section ><span style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)">在【懂保爷】投保过的朋友要是出险，可以点击</span><strong style="color: rgb(33, 89, 103)">公众号右下角「我的服务」-「理赔协助」</strong><span style="color: rgb(33, 89, 103)">联系协赔专员申请协助。</span></span></section><section ><span style="color: rgb(33, 89, 103)"><br /></span></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </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%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></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 > <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 ><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>
