为什么“重疾”险要保轻症？噱头还是真有用？

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;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%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4oo4GtkniaGPsIIBt0lyHZBMsLibMY1qJnhwbXx8eKeMmaIcgNqfctjXw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvia570P72BbCGuOicwEMTnR4oo4GtkniaGPsIIBt0lyHZBMsLibMY1qJnhwbXx8eKeMmaIcgNqfctjXw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><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><p ><br /></p><p ><span >先说明下，本文说的“轻症”包含我们常见的“轻症+中症”2种类型。</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">Ps：所谓“中症”大多只是把一些轻症单独拎出来赔多点，甚至连官方定义都没。</span></p><p ><span >&nbsp;</span></p><p ><span >所以就别问我为啥只提轻症，不提中症了。</span></p><p ><span ><strong><br /></strong></span></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 ><strong >一、为什么“重疾”险要保轻症？</strong></strong></span></section></section></section></section></section></span></section><p ><span >&nbsp;</span></p><p ><span >确认一点：<strong>轻症的“诞生”是为了降低理赔门槛</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >由于早期国人保险知识的匮乏，加上不少代理人有意无意的误导，</span></p><p ><span >&nbsp;</span></p><p ><span >使得很多人对重疾险有了过高的产品期望。</span></p><p ><span >&nbsp;</span></p><p ><span >长此以往，问题终于爆发。</span></p><p ><span ><br /></span></p><p ><span >尤其在控诉保险业的知名帖子<em>《在中国千万别买保险》</em>出现后，重疾险“保死不保生”的说法闹得满城风雨。</span></p><p ><span >&nbsp;</span></p><p ><span >舆论之下，保监会下场发声：尽快出台重疾险业务的标准。</span></p><p ><span >&nbsp;</span></p><p ><span >结局以2007年出台<em>《重大疾病保险的疾病定义使用规范》</em>，国内所有开展重疾险业务的保险公司有了统一标准告终。</span></p><p ><span >&nbsp;</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4em3PZbOOxmByM7eNaw6gn0OcTznAX0DAOQa23OKdg6fLvpKKVLoUxQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR4em3PZbOOxmByM7eNaw6gn0OcTznAX0DAOQa23OKdg6fLvpKKVLoUxQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >&nbsp;</span></p><p ><span >与此同时，为了进一步降低理赔门槛，保险公司给重疾险开发了新的保障：<strong>轻症</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >怕赔不了重疾？没关系，没到重疾也能赔。</span></p><p ><span >&nbsp;</span></p><p ><span >还是07年，信诚人寿推出了“及时予”，算是正式开启了轻症时代</span><span style="color: rgb(136, 136, 136)">（那时不叫轻症，叫及时援助保险金）</span><span >。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4kR5vHI7349heFCDEvaYU42VjSpVAI1Hf1mdp0GfT2Yh2orXTK3PicGw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR4kR5vHI7349heFCDEvaYU42VjSpVAI1Hf1mdp0GfT2Yh2orXTK3PicGw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span >&nbsp;</span></p><p ><span >所以为啥重疾险要保轻症？</span></p><p ><span ><br /></span></p><p ><span >迫于无奈啊...</span></p><p ><span ><br /></span></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 ><strong >二、噱头还是真有用？</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><p ><span >开始我们第二个问题：<strong>轻症到底实不实用？</strong></span></p><p ><span >&nbsp;</span></p><p ><span >首先，我们要明白：“轻症”并不轻。</span><br /></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4iboTbVbGAHcz1hxVQSAicwaFWWK5F6gDLPuA35HJ2xLAGPNYeNItC9Xg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR4iboTbVbGAHcz1hxVQSAicwaFWWK5F6gDLPuA35HJ2xLAGPNYeNItC9Xg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >大多数轻症不像我们想的那样，生个小病就轻症了，不满足条件同样赔不了！<br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">假定在大众认知里，“重疾”的严重程度是100，“轻症”至少也有80左右，而不是大家想的30或50。</span></p><p ><span ><br /></span></p><p ><span >其次，具体到现有产品，正常轻症赔1次后，后续就不好赔了。</span></p><p ><span ><br /></span></p><p ><span >虽然当前含轻症的重疾险都能赔n次，例如下面这款：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4X6stwuHhebocYn8FYKDQlL5W7hUa52AFruIBQ8T7pvmTZyxzkCts3A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR4X6stwuHhebocYn8FYKDQlL5W7hUa52AFruIBQ8T7pvmTZyxzkCts3A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >表面能赔4次轻症，可实际上还有“隐形分组”。</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR4PibPhtX591LPPtgYtvN6geA4tC2wJBLn4zsnKsDiaUGTmDsaYSZJpSbg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR4PibPhtX591LPPtgYtvN6geA4tC2wJBLn4zsnKsDiaUGTmDsaYSZJpSbg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvia570P72BbCGuOicwEMTnR40vIEjNBRe9opQkOKqVKLl4rhgNPYLEz0kyWtnELNqibHHl61Lq5s8pQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvia570P72BbCGuOicwEMTnR40vIEjNBRe9opQkOKqVKLl4rhgNPYLEz0kyWtnELNqibHHl61Lq5s8pQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >患了轻度心梗，要做介入手术，就不能赔了。</span></p><p ><span ><br /></span></p><p ><span >本来轻症就不是很轻，相关的轻症还只赔1次，有点坑。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">疾病多次赔付这块，之前说了很多，大家可以看下：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793992&amp;idx=1&amp;sn=b29fcd57ea0406102a60bc85503ea8c1&amp;chksm=b2b0780a85c7f11c9e8f0a17e89135872b676f5191576572bd740da6dccd0aed9a60b336fabb&amp;scene=21#wechat_redirect" tab="innerlink"><span >你买的多次赔付重疾险，其实是假的...</span></a><br /></p><p ><br /></p><p ><span >所以，轻症保障没大家想的那么乐观。</span></p><p ><br /></p><p ><span >同理，很多人吹捧的<strong>轻症豁免</strong></span><span style="color: rgb(136, 136, 136)">（患轻症后，要是保费没交完，就不用交了）</span><span >，也没那么容易实现。</span></p><p ><br /></p><p ><span >那“轻症到底实不实用”的问题何解？</span></p><p ><span ><br /></span></p><p ><span >给个参考答案：</span><br /></p><p ><span ><br /></span></p><p ><strong><span >有用，但不影响你买重疾险。</span></strong><span ><br /></span></p><p ><br /></p><p ><span >举个例子，大家体会下：</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">小王想看爱奇艺独家电影，但不是爱奇艺VIP，只好去买会员。</span></p><p ><span style="color: rgb(136, 136, 136)">&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">买时发现有活动，<strong>爱奇艺会员年卡+京东Plus年卡</strong>一起买便宜点，一上头就买了俩。</span></p><p ><span style="color: rgb(136, 136, 136)">&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">你能说哪种会员没用吗？不能，在特定受众眼中都有用。</span></p><p ><span >&nbsp;</span></p><p ><span >重疾险的“重疾”和“轻症”同样如此。</span></p><p ><span >&nbsp;</span></p><ul ><li><p><span >如果你只是冲着保大病来的，买没有轻症保障的重疾险没问题，你的大病保障没有损失；</span></p></li></ul><p ><span >&nbsp;</span></p><ul ><li><p><span >如果你追求“理赔体验”，想“拓展”更多的疾病保障，那多花钱买含轻症保障的重疾险，也没问题。</span></p></li></ul><p ><span ><strong><br /></strong></span></p><p ><span >那要不要加轻症？</span></p><p ><span ><br /></span></p><p ><span >还是那句话：<strong>价格为王</strong>。</span></p><p ><span >&nbsp;</span></p><ul ><li><p><span >要是加了轻症价格没高多少，加；</span></p></li><li><p><span >要是加轻症的价格，能再加很多“重疾保额”，就没必要加轻症了。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >无论何时，重疾保额才是重中之重，别忘了买重疾险的初衷。</span></section><section ><span ><br /></span></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><p ><span >&nbsp;</span></p><p ><span >最后总结下轻症：</span></p><p ><span >&nbsp;</span></p><p ><span >为了更好的疾病保障+理赔体验，买轻症没毛病。<br /></span></p><p ><span ><br /></span></p><p ><span >要是不保轻症也没啥大不了...</span></p><section ><span ><br /></span></section><p ><strong style="color: rgb(0, 0, 0)"><span >有保险问题，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“免费咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >找我团队专业保险规划老师帮你解决。</span></strong></span></span></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span ><br /></span></strong></span></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span ></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：</strong></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447792252&amp;idx=1&amp;sn=2712fdcf567afeea148fee4dfa683f2b&amp;chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&amp;scene=21#wechat_redirect" tab="innerlink" hasload="1" >懂保爷首创「35风险模型」：没懂之前不要买保险！</a></span></span></section><section ><span ><strong ><span >重疾险相关科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793876&amp;idx=1&amp;sn=2179daa15513de6a4c007c4689738575&amp;chksm=b2b0799685c7f080f5d89a7b9cc4d310bcbc478c9b142cd0aa2e2df01586bd0072429cd79635&amp;scene=21#wechat_redirect" tab="innerlink">定期重疾险：一场“皆大欢喜”的保险骗局</a></span><strong ></strong></span></section><section ><span ><strong >重疾多次赔付：</strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793992&amp;idx=1&amp;sn=b29fcd57ea0406102a60bc85503ea8c1&amp;chksm=b2b0780a85c7f11c9e8f0a17e89135872b676f5191576572bd740da6dccd0aed9a60b336fabb&amp;scene=21#wechat_redirect" tab="innerlink">你买的多次赔付重疾险，其实是假的...</a></span></section><section ><span ><strong ><span >其他险种科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793806&amp;idx=1&amp;sn=5aac394eeded76d15d094c25657cba1b&amp;chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&amp;scene=21#wechat_redirect" tab="innerlink" hasload="1" >百万医疗险：大多数人看不透的假象</a></span></span></section><section style="text-align: center"><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 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 >&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>