<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近刷短视频，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color:rgba(0, 0, 0, 0.9)"><span text >经常会看到一些</span><span text >随机给年轻人</span></span><span><span style="color:rgba(0, 0, 0, 0.9)"><span text >测</span></span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >血糖</span><span text >的视频。</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >他们觉得自己平时身体挺好的，没什么不舒服，结果一测，血糖竟然到了</span><span text style="color: rgb(235, 201, 0)">8.0</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >甚至还有人测出来是十几，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >自己都不敢相信：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“我才二十多岁啊，怎么可能血糖这么高？是不是仪器有问题？”</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >事实是，</span></span><font face="宋体"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><font face="宋体"><span style="color: rgba(0, 0, 0, 0.9)"><span text >糖尿病，这个曾经被认为是</span></span></font><font face="宋体"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“老年病”的代谢疾病，真的离年轻人越来越近了。</span></span></font></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><font face="宋体"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><font face="宋体"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></font></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >每14个年轻人，就有1个糖尿病患者</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >根据中国疾病预防控制中心慢病中心研究团队发表于《Military Medical Research》的最新研究显示：</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >2023年我国糖尿病患者人数已经达到约</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">2.33亿人</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，占全球糖尿病患者总数的约</span><span text >四分之一</span><span text >。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >刷到有博主说我们现在是高血糖、高胰岛素的大"糖"盛世，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >真不算夸张。</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNribwnFxpQolYNickC8XH18XicjOH6jHia8z77ZrVBzURR0ctklfn85Pe2Qub4iaPtFX9ecpm5B5qgZIk8XuCg9Bf2tF46XbS3BRBQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNribwnFxpQolYNickC8XH18XicjOH6jHia8z77ZrVBzURR0ctklfn85Pe2Qub4iaPtFX9ecpm5B5qgZIk8XuCg9Bf2tF46XbS3BRBQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >20-24岁男性人群里，糖尿病患病率已经达到</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">7.42%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNVSOD6q4Ck2Vk1cvmPtfXU46x6WiafQbpBibiagRFLzKC7raO6HL0PQANLBLCtoDAXIEQDeXic4ttXWicNFS20aqowMuIDKwtMncicA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNVSOD6q4Ck2Vk1cvmPtfXU46x6WiafQbpBibiagRFLzKC7raO6HL0PQANLBLCtoDAXIEQDeXic4ttXWicNFS20aqowMuIDKwtMncicA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section><span><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >相当于约每14个年轻男性里，就有1人有糖尿病，真挺多的。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >而且，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >上面说的还只是查出来、确诊的人数，现实里还有大批年轻人，压根不清楚自己血糖已经出问题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >根据《中国成人糖尿病流行病学调查》数据显示，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >在18-29岁人群中，糖尿病知晓率仅为</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">38.4%</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO3FN5oK5aj6o3LqoYzicMT0DGKDiaVUfWzfsE7YegwGWoHMsen2rDNCvm9FabzSoLL9Sjfe6BVMB0UAicSoTRVj8umP7UuncQHAQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO3FN5oK5aj6o3LqoYzicMT0DGKDiaVUfWzfsE7YegwGWoHMsen2rDNCvm9FabzSoLL9Sjfe6BVMB0UAicSoTRVj8umP7UuncQHAQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，</span></span></span><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(235, 201, 0)">近六成</span></span><span><span text >的年轻人，可能并不知道自己已经得了糖尿病。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以你会发现，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这些短视频里随机测血糖的年轻人，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >看到结果时第一反应都是：“是不是仪器坏了？”</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为在他们认知里，糖尿病应该离自己很远，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但实际上，很多的健康问题，在你没有明显感觉的时候，就已经慢慢发生了。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >糖尿病</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >，为什么越来越盯上年轻人？</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >抛开遗传因素不谈，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大多数年轻人的血糖出问题，都是日常坏习惯慢慢拖出来的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >经常熬夜睡不够，天天坐着很少运动，奶茶饮料、重油外卖、精米白面顿顿不离......</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >单看每一件事好像都不算大事，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但长年累月，会慢慢削弱身体调节血糖的能力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >直白讲就是身体对胰岛素反应变差，血糖很难稳定下来。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而且，这个变化过程几乎没有难受的症状，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这就导致，很多年轻人完全不知道自己血糖早就超标了，也就很难及时去干预和控制。</span></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span role="text"><strong><span><br /></span></strong></span></h2></span></section><section><span><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span role="text"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span></strong></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span role="text"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >糖尿病最可怕的，是后面的并发症</span></span></strong></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不了解糖尿病的人可能会觉得，糖尿病听着感觉没啥大事，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >管住嘴、按时吃药，血糖降下来就行。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但这里有两个现实问题：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一，很多人只是</span><span text >短暂把血糖压下去</span><span text >，饮食、作息不改，血糖反复高低起伏，一样会慢慢损伤内脏；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第二，</span><span text >早年长期高血糖已经对肾脏、血管造成的损伤</span><span text >，就算后续血糖恢复正常，也没法彻底修复。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >也就是说，不是单纯降血糖就能一劳永逸，一旦长期管控不到位，各类</span><span text >并发症</span><span text >会找上门。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >比如</span><span text >糖尿病肾病</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >血糖长期偏高会损伤肾脏过滤血管，肾功能受损严重后，需要长期透析。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >单次透析几百到上千元，每周要做好几次，一年治疗费用就要几万。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >拖到晚期尿毒症，还可能需要肾移植，这笔开支普通家庭很难承受。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >还有</span><span text >糖尿病足</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人可能想不到，一个小伤口，都可能因为血糖控制不好，最后发展成严重感染，有些患者甚至不得不截肢。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以，对于年轻人来说，一旦二三十岁就出现糖尿病，意味着可能要面对几十年的治疗和管理，真的不是一笔小的开支。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个时候，如果有给自己提前补充保险保障，就能减经济压力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">四</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >配置建议</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1）身体健康，还没有体检异常记录</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOGWmiazzcGW4lsIWSLY1ibMtVnW8UAcjibibdE8Nbubdd98LRtBI8pNfzu0bXSzyBIib8WFRkouKPu7P8lRhicPIyMZOoQjbZKyPUEk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOGWmiazzcGW4lsIWSLY1ibMtVnW8UAcjibibdE8Nbubdd98LRtBI8pNfzu0bXSzyBIib8WFRkouKPu7P8lRhicPIyMZOoQjbZKyPUEk/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果目前身体健康，或者之前体检没有留下什么异常记录，那么恭喜你，现在基本可以选择市场上大部分保障型保险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这个阶段买保险最大的优势，就是选择多、价格低，能够用更低的成本把保障锁定下来。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果</span><span text >预算比较有限</span><span text >，就直接买一款百万医疗险，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我比较推荐复星联合的</span><span text >星相守2号</span><span text >，25岁的年轻人附加癌症外购药一年只要</span><span text style="color: rgb(235, 201, 0)">236块</span><span text >，性价比很高，后面生病住院、买药都能报销，保证续保20年，中间生病理赔也不用担心续保问题。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >预算充足</span><span text >的话，建议再搭配一份50万保额保终身的重疾险，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >推荐复星联合的</span><span text >达尔文12号</span><span text >，25岁男性年交保费是5995元，确实是贵很多，但生大病一次性赔50万，</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >能弥补治疗期间的收入损失、康复费用，以及家庭日常开支。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >一个解决生病后的医疗费用，一个解决生活开支。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）已经确诊糖尿病，但无并发症</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNBWe4cfRa3hqdU7NdhPibVuU9KVQsOJicu5obCuSEtYmGtpkvktNpeNLbI86GFibTx6UpEvNcNctAC52NmKcnFb0ODH3H71YdBtw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNBWe4cfRa3hqdU7NdhPibVuU9KVQsOJicu5obCuSEtYmGtpkvktNpeNLbI86GFibTx6UpEvNcNctAC52NmKcnFb0ODH3H71YdBtw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果已经确诊糖尿病，即使目前身体状况还不错，没有出现任何并发症，买保险的难度也会大幅增加。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >很多产品可能直接</span><span text >无法投保</span><span text >，或者即使可以买，也会对</span><span text >糖尿病相关疾病进行除外</span><span text >，也就是说未来如果因为糖尿病引发相关治疗，可能无法获得赔付。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过，也不是完全没有选择。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >目前对于已经确诊糖尿病的人群，想买一份还能</span><span text >覆盖糖尿病相关风险的医疗险</span><span text >，可以关注众安在线的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >众民保（臻选版）</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >以25岁男性为例，一年保费大约</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">368元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，价格也不贵，生病住院、治疗、买药等等最高能赔300万。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾险方面，可以看看众安在线的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >众民保重疾险</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >附加轻症责任后，一年保费</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">956元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，如果确诊合同约定的重大疾病，可以一次性赔付</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">50万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，轻症也能赔</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">15万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >当然，它也有一个明显的不足：</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >只能保1年</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，不像正常健康人可以买的长期重疾险，可以保障几十年甚至终身。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但对于已经确诊糖尿病的人来说，选择本来就少很多，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >能有一款产品愿意承保，而且糖尿病相关风险还能保障，已经是比较难得的选择了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >3）已经确诊糖尿病</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >，并且已经出现并发症</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这种情况，买保险会更难。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为糖尿病本身已经是比较严重的健康异常，如果还出现了并发症，比如</span><span text >糖尿病肾病、眼底病变</span><span text >等，市面上大部分百万医疗险和重疾险基本都会</span><span text >直接拒保</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >众安的</span><span text >众民保（臻选版）</span><span text >和</span><span text >众民保重疾险</span><span text >还能买，但是会糖尿病和并发症被除外。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNtPshMvaG4rZ1GTt4UuwjCORxcJm07SVbMnzpHt9HqDrUPjOVYcuCiccfYW1sXnuERQkIpLxBOnA1J6XI91kc26YJcb4fcGHME%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNtPshMvaG4rZ1GTt4UuwjCORxcJm07SVbMnzpHt9HqDrUPjOVYcuCiccfYW1sXnuERQkIpLxBOnA1J6XI91kc26YJcb4fcGHME/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >简单来说，就是糖尿病相关</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >的问题不赔，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span text >但不是所有疾病都不赔，只要</span><span text >不是除外责任里的疾病，比如癌症、意外导致的住院治疗等，还是可以按照合同正常申请理赔</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >有糖尿病并发症还能买上，已经很难得了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><br /></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span role="text"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">五</span></span></strong></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span role="text"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >别等身体真的出问题，才想起来买保险</span></span></strong></span></h2><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >其实，今天写糖尿病这个话题，</span></span><span><span text >只是刚好因为最近频繁刷到，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >想跟大家聊一聊。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但我真正想提醒大家的，并不只是糖尿病。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为这些年，越来越多曾经被认为属于中老年人的疾病，正在慢慢年轻化。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >高血压、高血脂、脂肪肝、心血管疾病，甚至一些癌症风险，都开始出现在越来越多的年轻人身上，真的会严重影响到未来的生活。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以我还是那句话，</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >不要等身体真的出问题了，才想起来买保险。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最后我想说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >虽然呢，今天聊的是给年轻人的建议，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但我知道，关注我的客户，还是中年朋友居多的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >相信大家对现在年轻人的生活状态也挺了解的，熬夜、久坐、外卖、饮料，这些已经成为很多孩子的日常。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >作为父母，我们能做的不只是提醒他们少熬夜、多运动，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >更重要的是，把他们的基础保障配置好。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >一份百万医疗险，其实就是给孩子准备的一道基础防线。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >几百块钱一年，就能覆盖未来可能遇到的大额住院医疗费用。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果家庭预算充足，除了百万医疗险，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >也可以再给孩子搭配一份重疾险</span><span text >，用来弥补大病带来的收入、生活开销缺口~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有需要的话，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >可以把你或者孩子的年龄、健康情况告诉我，我</span></span><span><span text >免费来规划一下，看看适合哪款~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section></span></section><p ></mp-style-type></p>
