支付宝再推新品 | 一年48元，最高可保100万！

<section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf5w3dMpZ7NaqBI25ibBAMAjCib6Se9TA18ycTzk7ggAiaqhiauzXkAJEoxIA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf5w3dMpZ7NaqBI25ibBAMAjCib6Se9TA18ycTzk7ggAiaqhiauzXkAJEoxIA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >相互宝的第4个孩子生了。</span></p><p ><span ><br /></span></p><p ><span >就是下面这个<strong style="text-align: center; color: rgb(123, 127, 131)"></strong>——<strong>公共交通意外互助计划</strong>。</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_jpg%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf50gJVia7W2s1dey8IOmSHnMNIMDjhbDsN0ESQJz5fJLWIyTshaSicln0Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf50gJVia7W2s1dey8IOmSHnMNIMDjhbDsN0ESQJz5fJLWIyTshaSicln0Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >和聚焦在疾病领域的三位大哥<span style="color: rgb(127, 127, 127)">（大病互助计划、老年防癌计划、慢性病防癌计划）</span>不同，</span></p><p ><span >&nbsp;</span></p><p ><span >「公共交通意外互助计划」更像隔壁意外险家的孩子，</span></p><p ><span ><strong><br /></strong></span></p><p ><span ><strong>它不保疾病、只保意外，而且还只保公共交通意外</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span >那它值不值得我们加入呢？今天我们一起来看下。</span></p><p ><br /></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、互助计划详情</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >按例先看看公共交通意外互助计划<span style="color: rgb(127, 127, 127)">（名字太长，下文简称意外互助计划）</span>的产品详情：</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%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf5jEdg1zv3E05avzencibm51lx76YqTBr8WNfrhqsPiayuA62RU6Bl1UoA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf5jEdg1zv3E05avzencibm51lx76YqTBr8WNfrhqsPiayuA62RU6Bl1UoA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >保障3类交通意外导致的意外身故和意外伤残：</span></p><p ><span >&nbsp;</span></p><ul ><li><p><span >航空意外：100万；</span></p></li><li><p><span >火车、轨道交通<span style="color: rgb(127, 127, 127)">（地铁/轻轨）</span>意外：50万；</span></p></li><li><p><span >客运汽车<span style="color: rgb(127, 127, 127)">（公共汽车/长途客车/出租车/平台网约车等）</span>意外：20万。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span style="color: rgb(127, 127, 127)">注：由以上交通意外导致伤残时，互助金按伤残等级赔付，如1级伤残赔100%、2级伤残赔90%、最低7级伤残40%。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">乍看起来还不错吧？</span></section><section ><span >&nbsp;</span></section><section ><span >虽然不保所有意外、只保公共交通意外，但这保障范围挺全面，</span></section><section ><span >&nbsp;</span></section><section ><span >除了没轮船等水运交通，常见的交通意外都有了。</span></section><section ><span >&nbsp;</span></section><section ><span >最重要的，这么便宜、还没职业限制，<strong>还不得给身边天天开车的亲朋好友安利上?</strong></span></section><section ><span >&nbsp;</span></section><section ><span >可惜事实没那么简单。</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 ><strong >二、意外互助计划的不足</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span >我们可能觉得只要受到上面说的几种交通意外伤害，就能申请互助金。</span></section><section ><span >&nbsp;</span></section><section ><span >但意外互助计划不可能不顾实际风险的，所以它就给互助计划增加了很多限定条件，这就造成了它的产品缺陷。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>下面我们来看看意外互助计划的缺陷或者说不足究竟在哪？</strong></span></section><section ><span >&nbsp;</span></section><section ><strong><span style="color: rgb(33, 89, 103)">1、只保障公共交通意外</span></strong></section><section ><span >&nbsp;</span></section><section ><span >公共交通意外的范围是比较窄的。</span></section><section ><span >&nbsp;</span></section><section ><span >以意外互助计划中的保障为例：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf5tSCCxo2QRFLT3qrAINnbTIchUTtzKfRtdzHibcw5KI2gIcpDQLqtcHA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf5tSCCxo2QRFLT3qrAINnbTIchUTtzKfRtdzHibcw5KI2gIcpDQLqtcHA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >实话说，航空/火车/高铁/地铁/轻轨发生意外的概率实在太低了，这点大家应该也心知肚明。</span></section><section ><span >&nbsp;</span></section><section ><span >因此，只有公交车/长途客车/出租车/平台网约车意外事故，还算“实用”。</span></section><section ><span >&nbsp;</span></section><section ><span >但也仅限于此了，私家车、旅游/婚庆等包车、公司班车、救护车等发生交通意外是不赔的。</span></section><section ><span >&nbsp;</span></section><section ><span >因此，务必要记住：意外互助计划不是保障<strong>交通意外</strong>，而是保障<strong>公共交通意外</strong>，两者天差地别。</span></section><section ><span >&nbsp;</span></section><section ><strong><span style="color: rgb(33, 89, 103)">2、只保障公共交通意外中的乘客一方</span></strong></section><section ><span >&nbsp;</span></section><section ><span >意外互助计划虽然不限职业，但却限制了“身份”，即“<strong>乘坐公共交通工具的乘客</strong>”才能赔。</span></section><section ><span >&nbsp;</span></section><section ><span >就是说：<strong>不是发生公共交通意外就一定能拿互助金</strong>，只有公共交通意外中乘坐公共交通工具的乘客才能拿。</span></section><section ><span >&nbsp;</span></section><section ><span >我们举例说明下：</span></section><section ><span >&nbsp;</span></section><section ><span >一辆平台网约车<span style="color: rgb(127, 127, 127)">（车上有司机A+乘客B）</span>和一辆私家车<span style="color: rgb(127, 127, 127)">（车上有司机C+乘客D）</span>相撞，并导致网约车失控撞向路人E。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)">假设三方5个人都加入了相互宝意外互助计划并符合申请条件，谁能获赔？</span></section><section ><span >&nbsp;</span></section><section ><span >答案是只有<strong>平台</strong><strong>网约车上的乘客B</strong>能申请互助金。</span></section><section ><span >&nbsp;</span></section><section ><strong><span style="color: rgb(123, 127, 131)">网约车司机A不赔</span></strong><span style="color: rgb(123, 127, 131)">，因为意外互助计划只保障乘客，不赔司机。</span></section><section ><span style="color: rgb(123, 127, 131)">&nbsp;</span></section><section ><strong><span style="color: rgb(123, 127, 131)">私家车司机C不赔</span></strong><span style="color: rgb(123, 127, 131)">，一是因为司机身份不赔、二是私家车不赔。</span></section><section ><span style="color: rgb(123, 127, 131)">&nbsp;</span></section><section ><strong><span style="color: rgb(123, 127, 131)">私家车乘客D不赔</span></strong><span style="color: rgb(123, 127, 131)">，因为他虽是乘客，但乘坐的不是公共交通工具，私家车没有保障。</span></section><section ><span style="color: rgb(123, 127, 131)">&nbsp;</span></section><section ><strong><span style="color: rgb(123, 127, 131)">路人E不赔同理</span></strong><span style="color: rgb(123, 127, 131)">，虽然发生了交通意外，但他不是公共交通工具的乘客，无法获赔。</span></section><section ><span >&nbsp;</span></section><section ><strong><span style="color: rgb(33, 89, 103)">3、不保障8-10级伤残</span></strong></section><section ><span >&nbsp;</span></section><section ><span >本次的意外互助计划的意外伤残只能保障1-7级伤残<span style="color: rgb(127, 127, 127)">（1级伤残最严重，10级伤残最轻）</span>。</span></section><section ><span >&nbsp;</span></section><section ><span >这就意味着：<strong>意外伤残中最多发的8-10级轻度伤残无法获得意外互助计划保障。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >而根据中国保险行业协会的《中国保险人群意外伤害风险研究报告》，</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>因意外伤害导致的伤残中，8-10级伤残占比高达80%！</strong></span></section><section ><span ><strong><br /></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf5R6LWb3UPTypJj7L5H6ia1qEuo7jGBrzPRAibZicUDkcSqd7uGm1YnnOtg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf5R6LWb3UPTypJj7L5H6ia1qEuo7jGBrzPRAibZicUDkcSqd7uGm1YnnOtg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><strong><br /></strong></span></section><section ><span >就是说即便我们加入了相互宝的意外互助计划，</span></section><section ><span >&nbsp;</span></section><section ><span >除非能保证发生意外时，自己会是那占比<strong>20%</strong>的1-7级伤残受害者，或者直接身故，</span></section><section ><span >&nbsp;</span></section><section ><span >否则我们每月分摊的互助金的实际意义就只有助人为乐了。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(127, 127, 127)">注：不要低估伤残等级，一边眼球缺失、双手缺失≥50%这样的伤残只算是7级伤残。</span><strong ></strong></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 ><strong >三、什么才算是合格的意外保障？</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span >我们把相互宝的交通意外互助计划和常规的【意外险】做个对比：</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvnuCDoxzdwchcn4sAZhMf5y1t411wfjpdawBBnWf2FiboibqYYwzZFCFwdN13A6tvqdzGfzPImbgicg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvnuCDoxzdwchcn4sAZhMf5y1t411wfjpdawBBnWf2FiboibqYYwzZFCFwdN13A6tvqdzGfzPImbgicg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >就保障来看，意外互助计划限定<strong>人物（乘客）、事件(交通意外)</strong>，两者兼备才能获得保障。</span></section><section ><span >&nbsp;</span></section><section ><span >但意外险可以<strong>不限人物</strong>保障<strong>所有意外事件</strong>，猫抓狗咬、烧伤烫伤、意外磕碰、轻度伤残等，这些是相互宝做不到的。</span></section><section ><span >&nbsp;</span></section><section ><span >并且【意外险】基本都对<strong>交通意外</strong>（如航空/交通意外）还有额外赔付。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(127, 127, 127)">例如航空意外，锦一卫意外险在赔付基本保额50万外，会额外再赔付50万。</span></section><section ><span >&nbsp;</span></section><section ><span >8-10级伤残保障缺失我们前面说过就不说了，有一点再提下，就是——</span><strong >意外医疗</strong><span >。</span></section><section ><span >&nbsp;</span></section><section ><span >现在的主流意外险都会给被保人提供意外医疗责任，这点还是蛮重要的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">毕竟除了直接去世，只要伤残总得治疗吧，特别是前几级伤残，治疗花费对普通家庭是个不小的开支。</span></section><section ><span style="color: rgb(123, 127, 131)">&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">这时如果有意外医疗，就能直接报销住院费用了，这是只保意外身故/伤残的意外互助计划所欠缺的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(0, 0, 0)">此外，意外险基本还有<strong>猝死保障</strong>，毕竟当代人群中心脑血管疾病太高发，突发急性病猝死已经不是什么新鲜事了。</span></section><section ><span style="color: rgb(0, 0, 0)">&nbsp;</span></section><section ><span style="color: rgb(0, 0, 0)">这也是意外互助计划保障不到的。</span></section><section ><span >&nbsp;</span></section><section ><span >所以保爷一直说：</span></section><section ><span ><strong>&nbsp;</strong></span></section><section ><span ><strong>相互宝一直做的是锦上添花的活，指望它雪中送炭还是太难了点。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >如果想要更好的意外保障，保爷建议还是选一份“正经”的意外险。</span></section><section ><span >&nbsp;</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 ><br /></p><section ><span >本次新上线的「公共交通意外互助计划」保障范围还是不错的，</span></section><section ><span >&nbsp;</span></section><section ><span >不过可惜的是范围虽大、申请互助金的条件却有点苛刻，不保交通事故中最多的<span style="color: black">8-10级伤残</span>暂且不说，</span></section><section ><span >&nbsp;</span></section><section ><span >只能保障“<strong>乘坐公共交通工具的乘客</strong>”就有点遗憾了。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >因此</span></strong><strong >保爷是觉得新互助计划有点鸡肋的，虽然价格不高，但没啥实用价值。</strong></section><section ><span >&nbsp;</span></section><section ><span ><strong>就实际角度来说，还是建议大家还是买一份意外险更好。</strong></span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">全面的综合意外保障，交通意外一般还有额外赔付，还有意外医疗、意外津贴等不错的保障，</span></section><section ><span style="color: rgb(123, 127, 131)">&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">关键每年也就一百多块左右，远比这“食之无味”的意外互助计划要好。</span></section><section ><span >&nbsp;</span></section><section ><span >至于今天文章中提到的意外险都能在“<strong>懂保爷</strong>”公众号“<strong>精选保险</strong>”菜单，或点击文末“阅读原文”找到详细了解、在线投保。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(123, 127, 131)">投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><span >&nbsp;</span></section><section ><span >后续理赔等保单服务都可找保爷协助，如果遇到其他问题可添加保爷助手微信（公众号回复“助手”），免费贴心咨询。</span></section><section ><span ><br /></span></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><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><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>