<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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >北京人寿的大黄蜂17号全能版，值不值得买？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >作为最近比较热门的一款儿童重疾险，很多家长都问过我类似的问题。</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 >尤其是，现在市场上还有一款同系列的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂16号旗舰版</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，搞得大家很纠结。</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 >那么，给孩子买重疾险，到底应该选17号，还是16号？</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 >我把两款产品的保障和价格全部对比了一遍。</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 >先说结论：</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 >如果让我选，我更推荐大黄蜂17号全能版。</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 >倒不是说16号旗舰版不好，而是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >在价格差距很小的情况下，17号的自带责任更丰富、且实用。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接下来，我们具体拆开来看~</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><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</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 >基础保障，大黄蜂17号全能版更稳定</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%2FiaZHDj9icvRXO00Nsryib6aKhtQG0cgSe2ru4ibsbdOzFjM8y70DsVvS6AUnHrCzKeQQKNia6wYdCS0IxVplicVicdCrPJwCz6fpMeta29CQsxgX4w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXO00Nsryib6aKhtQG0cgSe2ru4ibsbdOzFjM8y70DsVvS6AUnHrCzKeQQKNia6wYdCS0IxVplicVicdCrPJwCz6fpMeta29CQsxgX4w/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 >先看大家最关心的核心保障：</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</span><span text >：都是125种，赔1次，100%保额；</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 >中症</span><span text >：30种，和轻症共用6次，赔60%保额；</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 >轻症</span><span text >：43种，和中症共用6次，赔30%保额；</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><span style="color: rgba(0, 0, 0, 0.9)"><span text >少儿特疾</span><span text >：都是20种特疾+20种罕见病。</span></span></span></strong><strong></strong></p><section ><span><span text >所以核心保障都完全够用。</span></span></section><section ><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >而且，</span><span text >重疾赔完，非同组轻中症也都还能继续赔，没有间隔</span><span text >，也很不错。</span></span></strong></section><section ><span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >唯一区别就是2款少儿特疾赔付力度不一样，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >大黄蜂17号全能版比例确定，特疾额外赔</span></span><strong><span ><span text >120%</span></span></strong><span ><span text >、罕见病额外赔</span></span><strong><span ><span text >200%</span></span></strong><span ><span text >，从生效起就是满格。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >但是大黄蜂16号旗舰版呢，它是"前低后高"的模式，</span></span><strong><span ><span text >保单第1年</span></span></strong><span ><span text >特疾只额外赔</span></span><strong><span ><span text >60%</span></span></strong><span ><span text >、罕见病只额外赔</span></span><strong><span ><span text >100%</span></span></strong><span ><span text >；</span></span><strong><span ><span text >第2年起</span></span></strong><span ><span text >才升到</span></span><strong><span ><span text >130%/210%</span></span></strong><span ><span text >，比17号各多10个百分点。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >这一点我认为不用纠结，17号肯定是更稳定的，没必要为了后面多这10%，牺牲第一年的保障力度。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >总之，单看基础保障，</span></span><span ><span text >大黄蜂17号全能版是稍微有点优势的。</span></span></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 style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</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 >自带责任上，大黄蜂17号更有性价比</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPjrRM8qqGBDyQ1qvcliaPdiaTMhv5rT9ehfdu2RuyKES6q5UUeMtr3mBXrdYUgFmfqKczDgQP42jr62Kib4V8Nbh9XRocqKKT4Og%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPjrRM8qqGBDyQ1qvcliaPdiaTMhv5rT9ehfdu2RuyKES6q5UUeMtr3mBXrdYUgFmfqKczDgQP42jr62Kib4V8Nbh9XRocqKKT4Og/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 >首先，自带保障的数量上，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >大黄蜂17号全能版是比16号旗舰版更多的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >另外，我觉得自带保障的</span><span text >实用性</span><span text >上，也是</span></span><span><span text >大黄蜂17号全能版更突出。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >2款都有的</span><span text >特定疾病移植保险金、癌症拓展金以及被保人豁免</span><span text >我就不说了，都很实用。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >重点说一下</span></span><span><span text >大黄蜂17号全能版几个真正拉开差距的自带责任：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >1、重疾持续增长金</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这是我比较看重大黄蜂17号的一项责任，</span></span><strong><span><span text >16号没有。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >规则是：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >18周岁前首次确诊重疾，额外赔6%×保单年度，最高赔108%保额。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >什么意思？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果孩子买了50万保额，假设在第10个保单年度首次确诊重疾，那么除了正常的50万重疾保险金之外，</span></span><strong><span><span text >还可以额外赔60%保额，也就是30万元。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >最高情况下，额外赔108%保额，也就是</span></span><strong><span><span text >54万元</span></span></strong><span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这样算下来：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >50万基本保额+54万额外赔=104万元。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >真的挺多的，相当于给孩子未成年时期多了一个额外的保障。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >2、质子重离子关爱金</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >癌症本身就是少儿重疾险里非常高发的风险，所以</span></span></strong><span ><span text >这项责任也是很实用的，17号自带，16号没有。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >规则也比较简单：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >30周岁前确诊重度癌症，并在指定机构接受质子重离子治疗，可以额外赔50%保额，赔1次。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >质子重离子治疗费用不低，</span></span><strong><span ><span text >直接</span><span text >额外赔50%保额</span><span text >，力度很大。</span></span></strong><strong><span ><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >所以一旦用上，价值还是很高的。</span></span></strong></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >3、重疾/中症保费补偿金</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >最后一个我比较喜欢的，是</span></span><strong><span ><span text >重疾/中症保费补偿金。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >它解决的是一个很实际的问题</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果还在缴费期，孩子就不幸确诊重疾或中症怎么办？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >17号除了正常赔付保险金之外，</span></span><strong><span ><span text >还可以</span><span text >补偿累计已交保费</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >比如30年缴费，第20年的时候得了重疾，那么不仅赔保额，还能把之前交的全部保费都退回来。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >对于少儿重疾险来说，我认为这个责任还是非常实用的，对家庭现金流确实是一个很好的缓冲。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >这项责任，17号是自带，16号需要加钱。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >我测算了一下，加的不多，很便宜，但肯定还是不加钱的更好~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >总之，自带责任上，大黄蜂17号全能版优势很大，反观16号全能版，没有特别有亮点的地方。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外，顺带看一下这两款产品的附加保障：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMOvqlJEUXRX4O38wXUGvvPCRNyjYJRh8PibfRRcyVSj5I0xnGm1GA3ibVqZh7bCNyGWQqeYXh6wS0wAX84fXXhU0yQL0LqsCPyM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMOvqlJEUXRX4O38wXUGvvPCRNyjYJRh8PibfRRcyVSj5I0xnGm1GA3ibVqZh7bCNyGWQqeYXh6wS0wAX84fXXhU0yQL0LqsCPyM/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 >像</span></span><strong><span ><span text >疾病关爱金、癌症医疗津贴、重疾多次赔、身故保障、投保人豁免</span></span></strong><span ><span text >这些都可以附加，整体是比较接近的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >不过大黄蜂17号全能版还可以附加</span><span text >住院津贴</span><span text >这个比较实用的责任，16号也是没有的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >最后来我们再看一下价格。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(64, 34, 15)">三</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >两款价格大差不差</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >我统一以</span></span><strong><span ><span text >50万保额、保终身、30年缴费、不附加可选责任</span></span></strong><span ><span text >为例：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPJhc3d9dxBRSLdaaso8MoP7eKZ62zHicatUzyzXj7Ry74lSymgyNpgg1dkBY9DaupcEcbqaic0GLUGwMBBASnqKxbNqDKJibCViaE%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPJhc3d9dxBRSLdaaso8MoP7eKZ62zHicatUzyzXj7Ry74lSymgyNpgg1dkBY9DaupcEcbqaic0GLUGwMBBASnqKxbNqDKJibCViaE/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 >16号整体是更便宜一点的，但差距并不大。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >比如0岁男孩，</span></span><strong><span ><span text >一年只差120块</span></span></strong><span ><span text >；0岁女孩，</span></span><strong><span ><span text >一年只差65块</span></span></strong><span ><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >到了10岁，男孩只差</span><span text >60块</span><span text >，女孩甚至只差</span><span text >20块</span><span text >了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >所以，在17号自带保障明显更丰富、实用性也更强的情况下，这点保费差距其实完全可以忽略不计。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >与其为了省这几十、一百块钱，少一些保障，</span></span><strong><span ><span text >我个人觉得还是17号更值得~</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，总结一下：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果把大黄蜂17号全能版和16号旗舰版放在一起看，</span><span text >17号的保障责任是更有优势的</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >尤其是17号自带的重疾持续增长金、质子重离子关爱金、重疾/中症保费补偿金这些责任，</span></span><strong><span><span text >实用性确实比较强。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >再加上两款产品的保费差距本身就不大，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以如果是我给孩子买，</span></span><strong><span><span text >我会直接选大黄蜂17号全能版。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >如果你对这款感兴趣，想了解更多细节，或者想测算具体的保费，随时跟我聊一聊。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><strong><span><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" /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><strong><span><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「儿童重疾险」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNKrQVKLECib4DRp0KxSfuRkev69ywNp7aq2H7KcBWbLFnVfjAsliaqYF9ibbnOQCGTdSUElYCA7MpYlWxVQ01bSL5otjbtuZvBrs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNKrQVKLECib4DRp0KxSfuRkev69ywNp7aq2H7KcBWbLFnVfjAsliaqYF9ibbnOQCGTdSUElYCA7MpYlWxVQ01bSL5otjbtuZvBrs/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 >第2-最新更新的2类7大保险榜单</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPmpPZzbHdjIFqukbwZbAqsT6oRRN078jSl2jC2NycUdibtNK2P7iaRAia6Jy0OnDUxpNRm1hu1gsIam13J8ibYiaM1vZaDxia0xHHsI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPmpPZzbHdjIFqukbwZbAqsT6oRRN078jSl2jC2NycUdibtNK2P7iaRAia6Jy0OnDUxpNRm1hu1gsIam13J8ibYiaM1vZaDxia0xHHsI/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=8" 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 >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" 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 >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOAn0jLW78d1YhficuZPHTwwVPBPjLe3frANjeNuXftXVUj0QCd7M8qEk3VGUMuJwnViaYHdhPNGmjiaYBw9LFRMm53D3ntC1xwVY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOAn0jLW78d1YhficuZPHTwwVPBPjLe3frANjeNuXftXVUj0QCd7M8qEk3VGUMuJwnViaYHdhPNGmjiaYBw9LFRMm53D3ntC1xwVY/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=8" 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 >扫码就能领取，我们一一发给大家。</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><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><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); 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); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><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 ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505180&idx=1&sn=04db0249572c0f055ef4d4d1c67e19fd&scene=21#wechat_redirect" textvalue="930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？" linktype="text">930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？</a></span></span></section><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 ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505142&idx=1&sn=8aec626f92f0576ea5d5fca05e2663a8&scene=21#wechat_redirect" textvalue="老产品9月30日停售！新生命表要落地，养老年金必须速买！" linktype="text">老产品9月30日停售！新生命表要落地，养老年金必须速买！</a></span></span></section><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 ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505114&idx=1&sn=694f9ffbdb0d5ddb4cce364144fd76e6&scene=21#wechat_redirect" textvalue="天天骑电动车的人注意了！千万别省这笔钱" linktype="text">天天骑电动车的人注意了！千万别省这笔钱</a></span></span></section><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 ><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505058&idx=1&sn=922629caa073ffb6641163746c8dfa38&scene=21#wechat_redirect" linktype="text">社保≠全额报销！这些弱点，赶快自查！</a></span></span></section><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 ><br /></span></span></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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><span style="color: rgba(0, 0, 0, 0.9); text-align: left"><span >」</span></span></section><p ></mp-style-type></p>
