买重疾险时，到底要不要选「身故」呢？

<section ><section ><br /></section></section><section style="text-align: left"><strong style="text-align: left"></strong><strong style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB35P4kNWnD3vRpxHCicaZNMRNZiaEMThfYpnmoBC4MM2tlauibtc5SpPIwA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB35P4kNWnD3vRpxHCicaZNMRNZiaEMThfYpnmoBC4MM2tlauibtc5SpPIwA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></strong></section><section style="text-align: center"><br /></section><section style="text-align: left"><span ><strong style="text-align: left">投保重疾险的时候</strong><span style="text-align: left">，到底要不要加</span><strong style="text-align: left">身故责任？</strong></span></section><section style="text-align: center"><br /></section><section style="text-align: left"><span ><span style="text-align: left">其实重疾险里加身故，实际上是</span><strong ><span style="text-align: left">保险公司收的一份智商税。</span></strong></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span >如果是我，我肯定是不加。</span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span ><strong>身故我另外买一份定期寿险来保障，钱花的更少，保障还更好。</strong></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(255, 169, 0)"><strong>除非特别有钱~ 不差钱~ 否则还是看看保姑的文章省点钱 O ！</strong></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)">我们仔细捋一遍哈。</span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: left"><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: left"><span ><strong><span style="color: rgb(255, 169, 0)">一</span></strong></span></section><section style="text-align: left"><br /></section><section ><span >附加身故责任，说白了，就是<strong>人身故了能不能拿到赔款</strong>？</span></section><section ><br /></section><section ><span ><strong><span style="color: rgb(255, 169, 0)">当然我想能拿到最好。</span></strong></span></section><section ><br /></section><section ><span >而且，最好是<strong>得重疾了赔付一次</strong>用于治病，</span></section><section ><br /></section><section ><span >如果<strong>重疾没有治好身故了再赔付一次</strong>，留给家人。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">但是关键问题是，在重疾险里面附加身故，并不能做到这一点。</span></section><section ><br /></section><section ><span >重疾险附加身故贵不少，这个不说，主要是坑在<strong>二者保额共用</strong>。</span></section><section ><br /></section><section ><span >一旦发生重疾，理赔过了，身故就不赔了。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">你的身故责任只有在一生都没有得重疾，最后身故的情况下才能赔付，这一点大家一定要注意。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">那我们怎么才能做到我前面说的，重疾能赔付，万一重疾没治好身故可以再赔付呢？</span></section><section ><br /></section><section ><span >大家记好，<strong>用不含身故责任的重疾险搭配一份定期寿险去保障</strong>，性价比会更高。</span></section><section ><br /></section><section ><span >而且二者是两份合同，不会存在保额共用的情况。</span></section><section style="text-align: left; color: rgb(0, 0, 0)"><br /></section><section ><span >下面我们找一款守卫者x为例，先看下含身故和不含身故的保费对比▼：</span></section><p style="text-align: center"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB3Lg6ZgRVByAuoDauEBnyOTkkmXKKQEncxjjHISCDY4WHS9ibavTDVtDQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB3Lg6ZgRVByAuoDauEBnyOTkkmXKKQEncxjjHISCDY4WHS9ibavTDVtDQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >很明显，不含身故的保费30岁男，每年仅6420元，30岁女只要5570元。</span></section><section ><br /></section><section ><span >而含身故版本的，30岁男，每年要9555元，30岁女每年要8110元。</span></section><section ><br /></section><section ><span >价格相差了3000块！！！</span></section><section style="text-align: left; color: rgb(0, 0, 0)"><span ><br /></span></section><section style="text-align: left; color: rgb(0, 0, 0)"><span ><br /></span></section><section ><span ><strong><span style="color: rgb(255, 169, 0)">二</span></strong></span></section><section style="text-align: left; color: rgb(0, 0, 0)"><span ><br /></span></section><section ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">如果身故保障通过定期寿险去解决，会是什么情况呢？</span></strong></span></section><section ><br /></section><section ><span >我们看下图▼：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB3DWNvic582jByk63S2K3xibfJsTDxna0WlUWhjw8bnmuIvkFakUmaT2GQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuEdNNLiaGc8wmR6MibAGkbB3DWNvic582jByk63S2K3xibfJsTDxna0WlUWhjw8bnmuIvkFakUmaT2GQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><ul ><li ><p style="text-align: left"><span >方案一是<strong>加身故的重疾险</strong>，若未理赔重疾，身故会赔付保额50万，但如果<strong>重疾理赔过，身故就不赔了，二者只赔付其一</strong>；</span></p><p style="text-align: left"><br /></p></li><li ><p style="text-align: left"><span >方案二选择<strong>不加身故的重疾险加上定期寿险</strong>的组合搭配方式，这种搭配<strong><span style="text-align: justify">可能获得重疾赔付之后，还能获得一次身故赔付</span></strong><span style="text-align: justify">，并且保费还要低很多。</span></span></p></li></ul><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">方案二唯一的缺点是<span style="color: rgb(136, 136, 136)">60岁之后无身故保障，不过到了60岁已经没有了家庭的经济责任，</span></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">而保障身故责任的寿险主要作用是用来延续经济责任，所以保姑觉得这点也没有问题。</span></section><section ><br /></section><section ><span >做保险规划，一定要把钱花在该花的地方，<strong>用最少的钱做最大的保障</strong>，对抗最大的风险。</span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)"><strong>三</strong><br /></span></section><section style="text-align: left"><br /></section><section style="text-align: left"><span ><strong><span style="color: rgb(255, 169, 0)">另外，即使我们不买定期寿险，身故也是可以拿到赔偿的哦！</span></strong></span></section><section style="text-align: left"><br /></section><section ><span >保姑知道，很多朋友之所以在乎<span >重疾险的身故责任</span>，是因为担心假如不是因为得大病身故了，交了那么多年的保费，如果没有身故责任的话，拿不到任何赔偿！</span></section><section ><br /></section><section ><span >但其实并不是这样！</span></section><section ><br /></section><section ><span >重疾险的身故责任分为三种：<span >身故赔付保额、身故赔付已交保费、身故赔付现金价值。</span></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">如果附加了身故责任，条款会约定身故赔付保额或者已交保费；</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">如果没有附加身故责任，条款就没有相关约定了。</span></section><section ><br /></section><section ><span >不过所有的长期重疾险都是默认<span >身故退保拿现金价值的，</span>虽然条款没有明说有身故保障，但是都可以通过退保拿回现金价值。</span></section><p ><br /></p><section ><span >为了方便大家理解，举个例子：</span></section><section ><br /></section><section ><span ><span style="color: rgb(136, 136, 136)">老王在30岁时投保了</span><span style="color: rgb(136, 136, 136)">50</span><span style="color: rgb(136, 136, 136)">万保额的重疾险，每年交保费1万元，50岁时不幸身故（期间没有发生过重疾理赔），假设50岁时的保单现金价值为</span><span style="color: rgb(136, 136, 136)">15</span><span style="color: rgb(136, 136, 136)">万，老王这20年总共已交保费是</span><span style="color: rgb(136, 136, 136)">20</span><span style="color: rgb(136, 136, 136)">万元：</span></span></section><section ><br /></section><section ><span ><span style="color: rgb(136, 136, 136)">若这个重疾险的身故责任是</span><span style="color: rgb(136, 136, 136)">赔付保额</span><span style="color: rgb(136, 136, 136)">，那么老王的家人可获得50万的赔偿；</span></span></section><section ><br /></section><section ><span ><span style="color: rgb(136, 136, 136)">若这个重疾险的身故责任是</span><span style="color: rgb(136, 136, 136)">赔付已交保费</span><span style="color: rgb(136, 136, 136)">，那么老王的家人可获得20万的赔偿；</span></span></section><section ><br /></section><section ><span ><span style="color: rgb(136, 136, 136)">若这个重疾险</span><span style="color: rgb(136, 136, 136)">没有身故责任</span><span style="color: rgb(136, 136, 136)">，那么老王的家人可通过退保拿到保单当时的现金价值15万。</span></span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><p ><span >需要注意的是，现金价值只在<strong>保障终身时才有意义。</strong></span></p><p ><br /></p><p ><span ><span >因为保障终身的重疾险现金价值高；</span><span >如果是定期保障，例如保障至70岁，保单的现金价值会很低，并且最后都会降为0了。</span></span></p><section ><span style="color: rgb(136, 136, 136)"><br />关于现金价值的问题，我在</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790104&amp;idx=1&amp;sn=34a7807523f2a75c5ad41f9b465656ab&amp;chksm=b2b0775a85c7fe4c652b77a399d2bbfffccad08e4afb2379b394a93b8f2ff9ca50dbea5f8fff&amp;scene=21#wechat_redirect" textvalue="“现金价值”是谁？跟我有什么关系？" tab="innerlink" ><span >“现金价值”是谁？跟我有什么关系？</span></a><span style="color: rgb(136, 136, 136)">这篇文章里面讲的很详细，可以点开看看。</span></section><section ><br /></section><section ><span ><span >看到这里，对于要不要加身故，保姑相信你们应该有个自己的判断了。</span><strong ></strong></span></section><section ><br /></section><section ><span >对于<strong>大多数人</strong>来说还是<strong>别加了</strong>，因为性价比确实不高。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">想要身故保障，通过定期寿险去解决，这样搭配配置的性价比更高！</span></section><section ><br /></section><section ><span ><strong >如果预算比较充足</strong><span >，想去世后给家人留下一笔确定的身故金，当然也</span><strong >可以附加</strong><span >。</span></span></section><section ><br /></section><section ><span ><strong><span style="color: rgb(255, 169, 0)">都理解了吗？有问题留言来问我，保姑帮你解决~</span></strong></span></section><section ><span style="color: rgb(255, 169, 0)"><br /></span></section><section ><br /></section><section style="text-align: left"><span >相关阅读：</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790104&amp;idx=1&amp;sn=34a7807523f2a75c5ad41f9b465656ab&amp;chksm=b2b0775a85c7fe4c652b77a399d2bbfffccad08e4afb2379b394a93b8f2ff9ca50dbea5f8fff&amp;scene=21#wechat_redirect" tab="innerlink"><span >“现金价值”是谁？跟我有什么关系？</span></a><br /></section><section style="text-align: left"><br /></section><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 ><br /></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><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你朋友圈人脉里的保险专家</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，帮忙点下</span><span style="color: rgb(33, 89, 103)"><strong>在看</strong></span><span >吧，谢谢！</span></p></section></section></section>