<section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >在“老玩家”复星联合携达尔文11号正式回归后，</span></section><section ><span >少儿重疾险经典IP</span><strong><span >妈咪保</span><span >贝</span></strong><span >也被</span><span >重新拾了起来。</span></section><h2 title="复星联合妈咪保贝爱常在少儿重大疾病保险（A款）（互联网）" >新品表现怎样？对比新一代大黄蜂、青云卫等系列有什么优势？</h2><section ><span >今天我们一探究竟。</span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>一、</strong></span></section><section style="text-align: left"><span ></span></section><h2 title="复星联合妈咪保贝爱常在少儿重大疾病保险（A款）（互联网）" style="text-align: justify"></h2><section style="text-align: justify"><span >先来了解儿童重疾险投保应该看哪些，已经给大家梳理好了，看过的朋友可以直接略过：</span></section><section style="text-align: justify"><span >① 50万保额起，保额应覆盖常见重疾的治疗、康复和护理费用，最好能维持家庭2-3年的必要支出。</span></section><section style="text-align: justify"><span >② 轻中症病种要全，重症不用过多注意，监管有规定，只要是重疾险就必须包含28种高发重疾。</span></section><section style="text-align: justify"><span >③ 少儿特疾/罕见病病种要全，要特别关注是否涵盖常见的儿童高发病种，以及是否有针对特定疾病的额外赔付。</span></section><section style="text-align: justify"><span >④ 尽量保终身，一方面买的早价格便宜，另一方面还不用担心未来因健康原因无法投保。</span></section><section style="text-align: justify"><span >⑤ 通常不建议附加身故，保费会贵很多，更重要的是身故、重疾共用保额，二者只赔其一。</span></section><section style="text-align: justify"><span >⑥ 缴费年限越长越好，一是能降低交费压力，二是重疾险自带被保人豁免如果中途得了轻中症，后续保费不用再交，保障依旧有效。</span></section><section style="text-align: justify"><span >其中最重要的一点是，买重疾就是买「<strong>终身保额</strong>」。</span></section><section style="text-align: justify"><span >预算范围内买到尽可能高的保额，"好钢用在刀刃上"。</span></section><section style="text-align: justify"><span >即在基本保障相当时，衡量重疾险是否优秀的唯一标准就是价格便宜了。</span></section><section style="text-align: justify"><span >除了癌症/重疾多次赔付可以根据需求考虑，其他的任何可选责任都可以不附加。</span></section><section style="text-align: justify"><span >知道如何选了，剩下的就是选出适合自己的好产品了~</span></section><section style="text-align: justify"><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >二、</span></strong></span></section><section ><span >我们接着来看当前少儿重疾险市场新三大支柱的对比：</span></section><section ><strong><span >大黄蜂13号、青云</span></strong><strong><span >卫5号、妈咪保贝爱常在A款</span></strong></section><section ><span ></span></section><section ><span >这三款也是当前市场极少数不捆绑身故责任的优质产品了。</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWX3kqtzxWwicRay00FxicT14vZRUqUuBgDQeItbDyP8wZaicU4N6ldLTYpw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWX3kqtzxWwicRay00FxicT14vZRUqUuBgDQeItbDyP8wZaicU4N6ldLTYpw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >直接说结论：</span></section><section ><strong style="color: rgb(33, 89, 103)">只考虑疾病保障：</strong></section><section ><span ><span >最推荐大黄蜂13号、妈咪保贝爱常在。</span></span></section><section ><span >这俩最大的区别在于：</span></section><section ><span >大黄蜂13号最长支持<strong>35年</strong>分期缴费，妈咪保贝最长仅支持<strong>29年</strong>缴费。</span></section><section ><span >另外，附赠保障有所区分：</span></section><section ><strong><span >大黄蜂13号</span></strong><span >基础责任提供有恶性肿瘤拓展保险金、特定疾病移植治疗保险金、严重先天性疾病保险金、严重肥胖手术保险金；</span></section><section ><strong><span ><span >妈咪</span><span >保贝爱常在</span></span></strong><span ><span >则是</span></span><span ><span >前两项和大黄蜂保持一致，</span></span></section><section ><span ><span >后续换成了孤独症关爱金、严重脊柱侧弯矫正手术关爱保险金、严重少儿心理疾病保险金。</span></span></section><section ><span ><span >这种很难说孰优孰劣，主要看家长倾向，例如</span></span><span >妈咪保</span><span >贝对心理疾病优待点，<span >大黄蜂有先天性疾病保障</span>。</span></section><section ><span ></span></section><section ><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong ><span >在疾病保障之外：</span></strong></span></section><section ><strong><span style="color: rgb(0, 0, 0)">青云卫5号</span></strong><span style="color: rgb(0, 0, 0)">自带一个重疾/中症</span><span style="color: rgb(0, 0, 0)">保费补偿金，</span></section><section ><span style="color: rgb(0, 0, 0)">缴费期内确诊重疾/中症，可以返还保费。</span></section><section ><span style="color: rgb(0, 0, 0)">这项责</span><span style="color: rgb(0, 0, 0)">任不会提升保障责任，只是提供一个可能拿回保费的机会。</span></section><section ><span style="color: rgb(0, 0, 0)">某种意义上，可以当作限定条件的返还型重疾险。</span></section><section ><span style="color: rgb(0, 0, 0)">有想法的家长可以关注一下，</span><span style="color: rgb(0, 0, 0)">但要注意价格不会便宜。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWXKZEuIDRDY8ZObl8la9QBA3ZfWyqJyoscEib5T2KAFQNrnxfc2ibRGSiaw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWXKZEuIDRDY8ZObl8la9QBA3ZfWyqJyoscEib5T2KAFQNrnxfc2ibRGSiaw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >结合保障和价格一起看，</span></section><section ><strong><span >大黄蜂13号、<strong ><span ><span >妈咪</span><span >保贝爱常在</span></span></strong></span></strong><span >无疑是当前少儿重疾险的天花板。</span></section><section ><span >保障在线，性价比极高。</span></section><section ><span >非要选一个的话，主要就看我们前面说的差异点是否有倾向。</span></section><section ><span >例如保障的具体区别，缴费期的长短等。</span></section><section ><span >如果不是很在意这些，那就看</span><span >价格了。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWXib3VDFGV5W8PMmK4I3lMayEp3JTlsjGjerVg1IawE4LKUsVXq8c78dg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvTO7ibNjtAEoURAdUUMFLWWXib3VDFGV5W8PMmK4I3lMayEp3JTlsjGjerVg1IawE4LKUsVXq8c78dg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >整体来说，妈咪保贝价格更有优势，</span></section><section ><span >在少交一年的情况下，多数年龄段甚至还能比大黄蜂13号保费低一点。</span></section><section ><span >追求极致性价比首选。</span></section><section ><span style="color: rgb(33, 89, 103)"><em><span style="color: rgb(33, 89, 103)">注，大黄蜂13号可选35年交，就年交保费绝对值来说会更低。</span></em></span></section><section style="text-align: left"><span >预算充裕的话，招商</span><span >仁和的</span><strong><span >青云卫5</span><span >号</span></strong><span >也值得考虑。</span></section><section ><span >出身央企招商局大品牌，也<span >有机会</span><span >0</span><span >元购</span><span >(缴费期内确诊重疾或中症返</span><span >保费</span><span >)；</span><span ></span></span></section><section ><span >青</span><span >睐大公</span><span >司的朋友首选。</span></section><section ><span >最后附当前重疾险的完整挑选建议图：</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSKVxPjnU4ibiaPKK6aaGSUk8Pnm4ca7RiaM7J7qhMV4WZ6iavLwuqwS0e1CJSdkLXTwxtvgkvMH2tzuA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSKVxPjnU4ibiaPKK6aaGSUk8Pnm4ca7RiaM7J7qhMV4WZ6iavLwuqwS0e1CJSdkLXTwxtvgkvMH2tzuA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ></span></section><section ><strong ><span >后话：</span></strong></section><section ><span >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&mid=2247498620&idx=1&sn=63c7d116b63938f4fb79c716b5140f26&chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile></section><section ><span ></span></section><p><span ></span></p><p ></mp-style-type></p>
