<section 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" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztR8phfMo8WKgtOkOlSD6X15QuKtaSy0riaOEmdQMqsDANl6YASkzzFlEd5fcWztkPsxGgkXpv9kyw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztR8phfMo8WKgtOkOlSD6X15QuKtaSy0riaOEmdQMqsDANl6YASkzzFlEd5fcWztkPsxGgkXpv9kyw/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><section ><br /></section><section ><span >这阵子疫情给我看麻了，</span></section><section ><span ><br /></span></section><section ><span >单日确诊1500+，无症状22000+，这趋势直接梦回2020。</span></section><section ><span style="text-align: center"><br /></span></section><section ><span ></span><span >就连我老家，某四五线小城，现在几乎有封城之势。</span></section><section ><span ><br /></span></section><section ><span >上海之外，疫情形势仍然严峻。</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%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOhWBYnOs6orabk0r8mYrLKTssdlQnLnaZU4W43ZKAGrExBEXCeI2K8w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOhWBYnOs6orabk0r8mYrLKTssdlQnLnaZU4W43ZKAGrExBEXCeI2K8w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /><span ></span></section><section ><span >作为疫情的“风向标”，<strong>防疫险</strong>在上个月疫情大规模兴起时就停售的差不多了。</span></section><section ><span ><br /></span></section><section ><span >例如3月17日，当时市面最后一款强制隔离就能赔的惠无忧下架。</span></section><section ><span ><br /></span></section><section ><span ><span >之后就一直没有类似新品上线了。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >直到这个月，我发现承保惠无忧的众惠相互悄悄上线了一款新防疫险——<strong>全民疫保通（经典版）</strong>。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >虽然产品上做了一些“阉割”，</span></span></section><section ><span ><span ><br /></span></span></section><section ><span ><span >如保障期限缩短至3个月，取消了新冠确诊保险金，隔离津贴由60天降为14天。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span >但敢在这时候上线防疫险，无疑是值得肯定的。</span></section><section ><span ><br /></span></section><section ><span >并且全民疫保通（经典版）也是当下极罕见能赔<strong>居家隔离</strong>的防疫险。</span></section><section ><span ><span ></span></span></section><section ><br /></section><section ><span >下面把它跟当前硕果仅存的2款优秀防疫险做个对比 ▼</span><span >：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOXUw0SWJab94NsDMuSfHotIKTGFECLPqzpjmD4grUONp7kYn545rI2Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOXUw0SWJab94NsDMuSfHotIKTGFECLPqzpjmD4grUONp7kYn545rI2Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">1、<strong >全民疫保通（经典版）</strong></span></strong></span></section><section ><br /></section><p ><span >众惠相互承保，58元保3个月，70岁以下都能买。</span></p><p ><span ><br /></span></p><p ><span >有3个新冠相关保障：</span></p><p ><span ><br /></span></p><p ><span >20万新冠身故金，20万接种新冠疫苗身故/伤残保险金。</span></p><p ><span ><br /></span></p><p ><span >以及核心的隔离津贴，一天可赔<strong>200元</strong>，保障期内最多赔<strong>14天</strong>（即最高拿2800元）。</span></p><p ><span ><br /></span></p><blockquote><section><p >Ps.触发隔离津贴需同时满足以下2种情况: </p><p ><br /></p><p >a.被防疫部门追踪为<strong>新冠肺炎确诊</strong>或者疑似患者的<strong>密切接触者</strong>，或居住地/工作所在地/旅行途径地/目的地被国家确定为<strong>中高风险地区</strong>。</p><p >b.被要求强制隔离（包括<strong>集中隔离</strong>、<strong>居家隔离</strong>或医学观察），并<strong>出具<span style="color: rgb(154, 154, 154)">加盖</span><span style="color: rgb(154, 154, 154)">公章</span>的相关单位文件</strong>（要体现被保险人身份信息、隔离时间、隔离地点等）。</p></section></blockquote><p ><br /></p><p ><span >另外有2点要注意，一是<strong>哪些人不能买</strong>（强行买了不赔<strong>）</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_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOqI8iapfSdicGMWTLJ7ibMNC4226oiaoicfe4CcpmSfdhJBe4fp3wXiaJTKAg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOqI8iapfSdicGMWTLJ7ibMNC4226oiaoicfe4CcpmSfdhJBe4fp3wXiaJTKAg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >简单说，</span><span style="color: rgb(255, 0, 0)">已经确诊新冠/中高风险地区/密接/有新冠肺炎症状/不在国内</span><span >不能买，都是正常要求，不算苛刻。</span></p><p ><span ><br /></span></p><p ><span >二是<strong>哪些情况不赔</strong>：</span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOjCXCO1tqlxiaxSFumeH2DSvOlYd45WzxWibIiah4QmZ0aFlXqOvXSO6mw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOjCXCO1tqlxiaxSFumeH2DSvOlYd45WzxWibIiah4QmZ0aFlXqOvXSO6mw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >要求有点多，不过都是应有之义。</span></p><p ><span ><br /></span></p><p ><span >第一条是前面说的赔付条件，第三天是等待期属于基础规则。</span></p><p ><span ><br /></span></p><p ><strong><span >居家健康检测、因回国被强制隔离、医护人员、防疫工作者</span></strong><span >这些不赔也都无可厚非。</span></p><p ><span ><br /></span></p><p ><span >考虑到目前就它能赔居家隔离，有这块需求建议赶紧上车，疫情形势不明朗，不排除随时下架的可能。<br /></span></p><p ><span ><br /></span></p><section ><span >投保入口：<br /></span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOJR6UGYk1tz2FS8iaC31q5aCGWZIKx6sic5WMULG1bo7eQf3bDo09icVQA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOJR6UGYk1tz2FS8iaC31q5aCGWZIKx6sic5WMULG1bo7eQf3bDo09icVQA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按</span><span style="color: rgb(136, 136, 136)">识别二维码投</span><span style="color: rgb(136, 136, 136)">保全民疫保通</span></section><section ><span ><br /></span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">2</span></strong><strong ><span style="color: rgb(33, 89, 103)">、华泰抗疫保</span></strong></span></section><section ><br /></section><section ><span >这款优点有2个，便宜+有1万新冠确诊保险金。</span></section><section ><span ><br /></span></section><section ><span >这款虽然也有隔离津贴，不过只赔<strong>集中隔离</strong>。</span></section><section ><span ><br /></span></section><section ><span >并且还要求是<strong>乘坐的公共交通工具里有新冠阳性乘客</strong>所导致的集中隔离。</span></section><section ><span ></span></section><p ><span > </span></p><p ><span >相比上一款，这个要求有点点难。</span></p><section ><span ><br /></span></section><section ><span >推荐想要便宜防疫险和新冠确诊金的朋友选择。</span></section><section ><span ><br /></span></section><section ><span >投保入口：<br /></span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTObdlAUdH9KWicRj5EcGwPAZ5RlXHD2rrIwJEH01h6bjUQ0dy1piajmUbQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTObdlAUdH9KWicRj5EcGwPAZ5RlXHD2rrIwJEH01h6bjUQ0dy1piajmUbQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按</span><span style="color: rgb(136, 136, 136)">识别二维码投保华泰抗疫保</span></section><section ><span ><br /></span></section><section ><span ><strong><span style="color: rgb(33, 89, 103)"><strong ><span style="color: rgb(33, 89, 103)">3、暖疫保通勤版2021</span></strong></span></strong></span></section><p ><br /></p><section ><span >相比前2款，暖疫保<strong>没有隔离津贴</strong>。</span></section><section ><br /></section><section ><span >主要保障是20万的甲乙类传染病（含新冠肺炎）身故保险金，2万的甲乙类传染病（含新冠肺炎）确诊保险金。</span></section><section ><br /></section><section ><span >以及疫苗接种失效，确诊可赔1万元。</span></section><section ><span ><br /></span></section><section ><span >价格是66元保半年，可以说买这个就是买那2万的新冠确诊保险金，用不着隔离津贴的朋友可以看看。</span></section><section ><br /></section><section ><span >投保入口：<br /></span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTM3Vc4CWL0e3PByHfkh1bTOMX5psiayoP3hgWO5SfgxvhKyrukh0OmKO1mL0NvfeOBlCBWaFETVjAg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTM3Vc4CWL0e3PByHfkh1bTOMX5psiayoP3hgWO5SfgxvhKyrukh0OmKO1mL0NvfeOBlCBWaFETVjAg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">长按</span><span style="color: rgb(136, 136, 136)">识别二维码投保暖疫保</span></section><section ><br /></section><section ><span >因为新冠或疫苗接种身故风险极小，我们选防疫险其实主要就看<strong>新冠确诊保险金</strong>和<strong>隔离津贴</strong>。</span></section><section ><span ><br /></span></section><section ><span >前者是不小心“中招”确诊新冠，能拿一笔钱；后者是被隔离了，每天拿点钱。<br /></span></section><section ><span ><br /></span></section><section ><span >而<strong>这俩保障都和疫情形势息息相关</strong>，疫情要是一直这样，压力就来到了保险公司那边。</span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)"></span></section><section ><span ><br /></span></section><section ><span >建议大家抓紧时间上车。</span></section><section ><span ><br /></span></section><p ><strong ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">有其他问题，可以加我助理小琳微信</span><strong style="color: rgb(0, 0, 0)"><span >：</span></strong></strong><strong style="color: rgb(0, 0, 0)"><span >dongbaoye999</span></strong></p><p ><strong style="color: rgb(0, 0, 0)"><span ><br /></span></strong></p><p ><strong style="color: rgb(0, 0, 0)"><span >或扫码下图二维码进入</span></strong><strong><span style="color: rgb(33, 89, 103)">【</span></strong><strong><span style="color: rgb(33, 89, 103)">懂保爷】公众号</span></strong><strong style="color: rgb(0, 0, 0)"><span >，点击“免费咨询”菜单找我团队专业规划老师帮你解决。</span></strong><strong style="color: rgb(0, 0, 0)"></strong></p><section ><span ><span style="color: rgb(0, 0, 0)"><strong ><span ></span></strong></span></span></section><section ><span ><span style="color: rgb(0, 0, 0)"><strong ><span ><br /></span></strong></span></span></section><section ><span ></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTMPo1WFgwic4R9CzHFtIUiczrkNRONibBIRfJGTrvFFVv9TLx4VFbhuaMT0QD4kklibcE2tribo0a0dDAw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><strong><span >其他保险推荐：</span></strong><span ></span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247492842&idx=1&sn=e9d10f456344145762c4cb887c0c5475&chksm=cfb6076af8c18e7cb6191653f22ca5d783fade6e3537dc1ae6ed4d5615c777e6ed561a4e24cd&scene=21#wechat_redirect" textvalue="最强重疾险再升级，超级玛丽6号来了" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >最强重疾险再升级，超级玛丽6号来了</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247493086&idx=1&sn=1e7d453a88c6e0a0e44865fddd5c2648&chksm=cfb6065ef8c18f4815e05f1d38d1a7479591519a026fa0ba064e7fa129b5727c5bd23c6146d5&scene=21#wechat_redirect" textvalue="杂七杂八的增额寿，都说自己是3.5%，那我选哪个呢？" linktype="text" imgurl="" imgdata="null" tab="innerlink" ><span >杂七杂八的增额寿，都说自己是3.5%，那我选哪个呢？</span></a><br /></section><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span><span ></span><span ></span></section><section></mpprofile></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，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</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>
