<p 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" hasload="1" style="color: var(--weui-LINK)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztSpF64j24YRgbalVV1v1loVYC8uYGMyAlsMDaIOZYuzAoQ6TiaQlLzpFHCFo3knys0yLeVevpeicfw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztSpF64j24YRgbalVV1v1loVYC8uYGMyAlsMDaIOZYuzAoQ6TiaQlLzpFHCFo3knys0yLeVevpeicfw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></p><p 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></p><section ><br /></section><section ><span >很多人的第一份商业保险就是百万医疗险，</span></section><section ><span ><br /></span></section><section ><span >百万保额，百块保费，堪称“保险公司唯一的良心”、“大众的定心丸”。<br /></span></section><section ><span ><br /></span></section><section ><span >此后一年年交着钱，岁月静好，彷佛这份保障能陪你到老。<br /></span></section><section ><span ><br /></span></section><section ><span >一切都好...</span></section><section ><br /></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 >一、百万医疗假象</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >应该没哪个自媒体会跟你说，<strong>百万医疗险几乎用不上吧？</strong></span></section><section ><span ><br /></span></section><section ><span >并非危言耸听，这就是现实。</span></section><section ><span ><br /></span></section><section ><span >据国家卫健委《2019年我国卫生健康事业发展统计公报》显示：</span></section><section ><br /></section><section ><span >2019年，我国人均住院费用9848.4元。</span></section><section ><span ><br /></span></section><section ><span >懂点保险的估计都知道：现在主流百万医疗险免赔额是1万左右。<br /></span></section><section ><span ><br /></span></section><section ><span >嗯...真巧。<br /></span></section><section ><span ><br /></span></section><section ><span >对了，目前业内百万医疗险平均赔付率约30%左右。</span></section><section ><span ><br /></span></section><section ><span >即保险公司收来100万保费，赔出去只有30万左右，近70%的利润。</span></section><section ><span ><br /></span></section><section ><span >再加上百万医疗险不保证续保</span><span style="color: rgb(136, 136, 136)">（可停售）</span><span >、不保证价格</span><span style="color: rgb(136, 136, 136)">（可涨价）</span><span >，<br /></span></section><section ><span ><br /></span></section><section ><span >说点现实的，<strong>99%的人买百万医疗险就是在给保险公司送钱！</strong></span></section><section ><br /></section><section ><span >那些上来就推荐买百万医疗险的人，不是蠢就是坏...</span></section><section ><span ><br /></span></section><section ><span >更多的之前说过，不想重复了，有兴趣可以点击看下</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793806&idx=1&sn=5aac394eeded76d15d094c25657cba1b&chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&scene=21#wechat_redirect" tab="innerlink" ><span >百万医疗险：大多数人看不透的假象</span></a></section><section ><br /></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 >二、医疗险是否不该买？</strong></span></section></section></section></section></section></span></section><section style="text-align: justify"><span style="text-align: justify"><br /></span></section><section style="text-align: justify"><span style="text-align: justify">当然，医疗险不能被一棒子打死。</span></section><section style="text-align: justify"><span style="text-align: justify"><br /></span></section><section style="text-align: justify"><span style="text-align: justify">买医疗险重要的是：<strong>找准定位</strong>。</span></section><section style="text-align: justify"><span style="text-align: justify"><br /></span></section><section style="text-align: justify"><span style="text-align: justify">具体的我们结合国内现有的医疗保险体系来说明：</span></section><section style="text-align: justify"><span style="text-align: justify"><br /></span></section><section style="text-align: left"><span ><strong><span style="color: rgb(33, 89, 103)">1、社会医疗保险</span></strong></span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >这是国家给每个人的福利，</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >分两种：城镇职工医保</span><span style="color: rgb(136, 136, 136)">（即“五险一金”中的“医疗保险”）</span><span >和城乡居民医保</span><span style="color: rgb(136, 136, 136)">（即自愿购买的居民医保）</span><span >。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >区别在于城镇职工医保的报销比例相对较高，但二者都不能报销100%。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >可毕竟是国家非盈利的惠民政策，投保门槛极低，每年交的钱也不多，简直是借钱也得买。</span><strong ></strong></section><section style="text-align: justify"><br /></section><section style="text-align: left"><span ><strong><span style="color: rgb(33, 89, 103)">2、商业医疗保险</span></strong></span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >商业医疗险种类较多，现在有：小额医疗险、百万医疗险和惠民保等。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><strong><span >小额医疗险</span></strong><span >特点是保额</span><span style="color: rgb(136, 136, 136)">（一般在10万以下）</span><span >、免赔额</span><span style="color: rgb(136, 136, 136)">（0免赔或者几百）</span><span >双低，又能分为：小额住院医疗、小额门急诊医疗。</span></section><section style="text-align: justify"><span ><br /></span></section><ul ><li><p><span >小额住院医疗：报销住院产生的医疗费用；</span></p></li><li><p><span >小额门急诊医疗：报销门急诊费用，比如日常感冒发烧，它都可以报销。</span></p></li></ul><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >此外，某些小额医疗险还会包含一定意外责任和重疾责任。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><strong><span >百万医疗险</span></strong><span >特点与小额医疗险相反，保额</span><span style="color: rgb(136, 136, 136)">（100万+）</span><span >、免赔额</span><span style="color: rgb(136, 136, 136)">（1万+）</span><span >双高。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >目前可分为普通百万医疗险、防癌医疗险。<br /></span></section><section style="text-align: justify"><span ><br /></span></section><ul ><li><p style="text-align: justify"><span >普通百万医疗险：就是我们开头提到的常见百万医疗险，<strong>报销一切住院</strong>产生的合理医疗费用；</span></p></li><li><p style="text-align: justify"><span >防癌医疗险：算是百万医疗险的一个子分类，可理解为<strong>仅报销因癌症住院</strong>产生的合理医疗费用。</span></p></li></ul><section style="text-align: justify"><br /></section><section style="text-align: justify"><strong><span >惠民保</span></strong><span >其实也算是百万医疗险，保额差不多，免赔额更高</span><span style="color: rgb(136, 136, 136)">（2万左右）</span><span >，价格更便宜。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >它是由各地政府自己主导，因此在不同地区报销比例不同</span><span style="color: rgb(136, 136, 136)">（目前没有一款可以100%报销），</span><span >且有些报销限社保内，有些无限制。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >不同于百万医疗险，惠民保健康告知十分宽松，加上较便宜的价格，当地要是有，推荐买上。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><strong><span >综上，</span></strong></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >每种医疗险都有其自身定位，因此“医疗险该不该买”的问题大家应该有定论了。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >肯定是要买的。<br /></span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >但医疗险这么多，怎么选？难不成都要买吗？哪款更适合自己呢？</span></section><section ><br /></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 >三、医疗险应该怎么配置？</strong></span></section></section></section></section></section></span></section><section ><span ><br /></span></section><section ><span >关于“不同医疗险怎么选”这个问题，没有适用所有人的通行标准！</span></section><section ><span ><br /></span></section><section ><span >还是得分年龄段来看：</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(255, 0, 0)">敲黑板：</span></strong><span style="color: rgb(255, 0, 0)"></span><span >准备买医疗险的前提一定是，已投保<strong>终身重疾险</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">作为当前唯一能<strong >锁定终身且费率固定</strong>的健康险，只有它能给我们一辈子的疾病保障，这是现在所有医疗险都做不到的。<strong ></strong><br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">不多哔哔，没理解的去复习下：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793473&idx=1&sn=5bc99ca4f3d38fa5011aeaa6cdaa4a65&chksm=b2b07a0385c7f3155cff59b1574f170da4558a4fc3a22c7638f9f2f7e5ad7a6ef79fba2bf306&scene=21#wechat_redirect" tab="innerlink" ><span >保大病的百万医疗险只要几百块，为啥还要买几千块的重疾险？</span></a></section><section ><span ><br /></span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">1、未</span></strong><strong><span style="color: rgb(33, 89, 103)">成年人</span></strong></span></section><section ><br /></section><section ><span >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 style="text-align: justify"><br /></section><section style="text-align: justify"><span >因此，一定要先买<strong>小额医疗险</strong>。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span style="color: rgb(136, 136, 136)">注：这里默认已经买好了<strong>社会医保</strong>和<strong>终身重疾险</strong>，毕竟一个是国家的福利，一个是最好的健康险，接下来提到其他人群时也是同理（老年人除外）。</span></section><section style="text-align: justify"><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: justify"><span >百万医疗险根本没小额医疗险实用！</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><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 style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span style="color: rgb(136, 136, 136)">百万医疗险开头说了，“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 style="text-align: justify"><span style="color: rgb(136, 136, 136)"><br /></span></section><section style="text-align: justify"><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 style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><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 style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >别觉得给孩子买个百万医疗险就行了，一点不靠谱！</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span ><strong><span style="color: rgb(33, 89, 103)">2、成年人</span></strong></span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >成年人毕竟身体好一些，很少会跑医院。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >小额医疗险相对来说作用会小一些。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >加上成年人买百万医疗险能比孩子便宜很多。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >因此，要是已有社会医保+终身重疾险，可以买份<strong>百万医疗险</strong>来补充疾病保障。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >如果还有预算，可以再配置一份<strong>小额医疗险</strong>来解决百万医疗险1万免赔额</span><span style="color: rgb(136, 136, 136)">（起付线）</span><span >的部分。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span ><strong><span style="color: rgb(33, 89, 103)">3、老年人</span></strong><br /></span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >步入老年，身体确实差了。</span></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >这时候终身重疾险不好买，不仅贵，还买不到多少保额。</span><br /></section><section style="text-align: justify"><br /></section><section style="text-align: justify"><span >因此，要是身体健康，在社会医保基础上，可以配置一份保障期尽量长的<strong>百万医疗险</strong>。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >虽然不如终身重疾险，但已经没有好的办法解决了。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >要是身体健康异常，连百万医疗险都买不来了，</span></section><section style="text-align: justify"><span ></span><br /></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >可以把百万医疗险换成<strong>防癌医疗险</strong></span><span style="color: rgb(136, 136, 136)">（即只保障癌症的百万医疗险）</span><span >，这类产品对于健康要求比较低。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >当然，如果所在地有<strong>惠民保</strong>（如沪惠保），最好提前买上。</span></section><section style="text-align: justify"><span ><br /></span></section><section style="text-align: justify"><span >以上。</span></section><section ><br /></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 >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >无论何时，大家记住一点即可：</span></section><section ><br /></section><section ><span >商业医疗险只是作为社会医保和终身重疾险的补充，完全无法替代它们。</span></section><section ><br /></section><section ><span >简单说，这就是可锦上添花、但不能雪中送炭的险种。<br /></span></section><section ><span ><br /></span></section><section ><span >就像在<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793806&idx=1&sn=5aac394eeded76d15d094c25657cba1b&chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&scene=21#wechat_redirect" textvalue="百万医疗险假象" tab="innerlink">百万医疗险假象</a>一文中说的那样：</span></section><section ><span ><br /></span></section><section ><span >无论何时，不要</span><span style="color: rgb(255, 0, 0)"><strong >只买</strong></span><span >百万医疗险！</span></section><section ><span ><br /></span></section><p ><strong style="color: rgb(0, 0, 0)"><span >有疑问，可以加我助手微信：dongbaoye888</span></strong></p><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“1对1咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >预约</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >1对1专属老师提供专业保险咨询规划服务。</span></strong></span></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span ><br /></span></strong></span></section><section></mpprofile></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong ><span ><strong >买保险必看攻略：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447792252&idx=1&sn=2712fdcf567afeea148fee4dfa683f2b&chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&scene=21#wechat_redirect" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447792252&idx=1&sn=2712fdcf567afeea148fee4dfa683f2b&chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&scene=21#wechat_redirect" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447792252&idx=1&sn=2712fdcf567afeea148fee4dfa683f2b&chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&scene=21#wechat_redirect" tab="innerlink">懂保爷首创「35风险模型」：没懂之前不要买保险！</a></span><strong ></strong></span></section><section ><strong><span >医疗险科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790461&idx=1&sn=273f5bfa60b8f3326a81efbf36a72245&chksm=b2b0763f85c7ff29fb032915d13bb0d70244bc87200aad07a547c1b87bfffc743f4162312841&scene=21#wechat_redirect" tab="innerlink">一文读懂「医疗险」</a></span></section><section ><strong><span >百万医疗假象：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793806&idx=1&sn=5aac394eeded76d15d094c25657cba1b&chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&scene=21#wechat_redirect" tab="innerlink">百万医疗险：大多数人看不透的假象</a></span></section><section style="text-align: center"><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><p 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" /></p><section style="text-align: left"><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 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>
