忽略这项检查，孩子的100万理赔金可能直接没了！

最近看到一个理赔案例，一男孩在 3岁时，确诊了杜氏肌营养不良症，本来应该获赔100万，但妈妈拿着基因检测报告去申请重疾险理赔时，却被保险公司拒赔了，理由是确诊材料不符合合同要求，需要做肌电图和肌肉活检。但这位妈妈

<section 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%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" /></section>最近看到一个理赔案例，一男孩在3岁时，确诊了杜氏肌营养不良症，本来应该获赔100万，但妈妈拿着基因检测报告去申请重疾险理赔时，却被保险公司拒赔了，理由是确诊材料不符合合同要求，需要做肌电图和肌肉活检。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOnF1ZWt7Zuu2kvyjJRB1hD7CTiaXT9iaib5uIjbicy0mFzia9KpxwnrziaVCPMiaicGPp0oBXx8Aibbyv5XUNf0qz0mnxqIGwM58TGdxys%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOnF1ZWt7Zuu2kvyjJRB1hD7CTiaXT9iaib5uIjbicy0mFzia9KpxwnrziaVCPMiaicGPp0oBXx8Aibbyv5XUNf0qz0mnxqIGwM58TGdxys/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>但这位妈妈心疼孩子，不愿再让孩子遭罪去做肌电图和肌肉活检，选择了起诉保险公司。接着法院结合现代医学结论，认定基因检测已是主流确诊方式，不能死守旧条款强制孩子承受创伤，最终判保险公司赔付100万并豁免后续保费。虽然过程比较折腾，但结果是好的，这件事情也告诉我们，给孩子买重疾险，一定要看懂条款规则，以及慎重对比。<section nodeleaf=""></mp-common-videosnap></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">一</h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">四款最热销的少儿重疾险，如何选择？</h2>那么少儿重疾险应该怎么买呢？今天我选了四款热销产品--大黄蜂17号全能版、青云卫6号、达尔文宝贝计划15号、妈咪宝贝爱常在，给大家作个完整对比。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMdn5fNu7Sg52LeIrZqt5CcYrqVHoMfXcTDuia8W6icHsD8icGDSCJPfyHnklOQwGq5xj6vfLniclk1lHbGicF08E8wIQoC66APhvfY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMdn5fNu7Sg52LeIrZqt5CcYrqVHoMfXcTDuia8W6icHsD8icGDSCJPfyHnklOQwGq5xj6vfLniclk1lHbGicF08E8wIQoC66APhvfY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>先看重症这块，青云卫6号的重疾种类会多一些，有137种，但我觉得相差不是很大，我们常见的重疾基本上各家都涵盖了。而且每5年会评估一次是否要更新，会把新出现的疾病评估后加上去。其次是轻中症，区别在于，青云卫6号轻中症是分开的，轻症赔付5次，中症2次，其他三个产品是合并6次。看似多了一次，但在实际场景中，也是区别不大。 <h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">二</h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">自带特色保障，大不相同</h2>再看下自带的特色保障，这个就比较关键了。大黄蜂17号自带8项保障，比较全面，优势也更明显。其他三款产品的自带保障呢，更偏向特定人群，比如青云卫6号，更倾向白血病类疾病，也额外包含性早熟、重度肥胖手术关爱。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOYZOfqMstwsPtOZE8Vt61YxS62CTwX4b0lFe24Ak29VugnSUu5kqrku4DIoIiaOjN9ib7vzIySyyklRdoQxbXXfv6jJqWNfg6Bs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOYZOfqMstwsPtOZE8Vt61YxS62CTwX4b0lFe24Ak29VugnSUu5kqrku4DIoIiaOjN9ib7vzIySyyklRdoQxbXXfv6jJqWNfg6Bs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN4eiaGJy83Hs257kq9nXSz03H5G7vCqXY4G534E1pNw9z7ibECXniakcShKe1qgUoUiaZFuhnU8hyhbT0qFO3sC3CcpoGzYJoSHI8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN4eiaGJy83Hs257kq9nXSz03H5G7vCqXY4G534E1pNw9z7ibECXniakcShKe1qgUoUiaZFuhnU8hyhbT0qFO3sC3CcpoGzYJoSHI8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPicDrqRMskasRMSJPerzLl89EwQk5GUEUjk4v8AooVPMC1e1JUb206pAKbHkA89cItl9rric4z9cypGXRyecMzKUwrhS6bkUkuI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPicDrqRMskasRMSJPerzLl89EwQk5GUEUjk4v8AooVPMC1e1JUb206pAKbHkA89cItl9rric4z9cypGXRyecMzKUwrhS6bkUkuI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>达尔文宝贝计划的优势是意外诱发重/中/轻症，会有额外赔付，以及侧重脊柱侧弯、卵圆孔未闭、重度肥胖等特定疾病。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOzIWthtUFvZTYLH9f385Ij7Uy4PAGWSKbnXOAScFQdDlicelY6dVMBvFnCJria9sJ9oD2GBp62icHvnDyicibC5IVdxWD09CeDnXOI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOzIWthtUFvZTYLH9f385Ij7Uy4PAGWSKbnXOAScFQdDlicelY6dVMBvFnCJria9sJ9oD2GBp62icHvnDyicibC5IVdxWD09CeDnXOI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPttqsuhibjEkAfM49icXg0tAHBRIqE4WorMTcWk9IdgzZ4BAicL9ribRnrnXVArQk1O3zpm7vC1EicLcyo7ianoX4a8VFibnTpZxBfwY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPttqsuhibjEkAfM49icXg0tAHBRIqE4WorMTcWk9IdgzZ4BAicL9ribRnrnXVArQk1O3zpm7vC1EicLcyo7ianoX4a8VFibnTpZxBfwY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOsVhMib9yaufKw7sibsLKxDjEmlJNtLLnHaia7zbA6gld5sOBKgDeBXMbticicQvDvp937paHUiaV8NntBtgmcz4NMiaIeGdrtk0MjAY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOsVhMib9yaufKw7sibsLKxDjEmlJNtLLnHaia7zbA6gld5sOBKgDeBXMbticicQvDvp937paHUiaV8NntBtgmcz4NMiaIeGdrtk0MjAY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>妈咪宝贝爱常在，除了白血病特药医疗，其他的大黄蜂17号全都有。所以对比来看，大黄蜂17号自带保障就十分全面了，比如重疾保额逐年增长，保障有效对冲通胀，缴费期确诊重疾或者中症可以返还所有已交保费。并且，它还涵盖了器官移植额外赔、癌症拓展、特定意外导致的重疾额外赔、质子重离子保障，还增设了重度自闭症、严重抑郁症少儿专项责任，综合实用性很强。<img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOajVicibWJIIxQiaZiaz9ktk4grvzvddibTicVqHiaetia1nibYAqY4ODebu8HTquZOL0hY1rd6Q4GIicgC6Wria7vREvCEC9az7MEzSMMZc%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOajVicibWJIIxQiaZiaz9ktk4grvzvddibTicVqHiaetia1nibYAqY4ODebu8HTquZOL0hY1rd6Q4GIicgC6Wria7vREvCEC9az7MEzSMMZc/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNUfAQjj0wub9ltXAAe8Fkt5IRAnwy87DM5gOt7tyBibLcdK7AYd6WuIfiajKQ8qezxdHEZA911o6Ps03YqW6n0ibTqjK8DyBHr6A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D6" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNUfAQjj0wub9ltXAAe8Fkt5IRAnwy87DM5gOt7tyBibLcdK7AYd6WuIfiajKQ8qezxdHEZA911o6Ps03YqW6n0ibTqjK8DyBHr6A/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=6" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNvD1TudBLkog6wl8EMdplPzeSx2Qoic558Fadibt8qrmBicN3riaiaXp8tahn34ThYntUvEuZcd9FpC8QkBe66bqwLomGY2fA8e4ms%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNvD1TudBLkog6wl8EMdplPzeSx2Qoic558Fadibt8qrmBicN3riaiaXp8tahn34ThYntUvEuZcd9FpC8QkBe66bqwLomGY2fA8e4ms/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuv0tvwTXXT5m7Qic6fKgeWexDzZnauetEMnmLzpODCVcbAPDrvibOicFFDf0orxAQHibjCwaOudd0fAjo3RibShmMNibsfNGibQVsxQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuv0tvwTXXT5m7Qic6fKgeWexDzZnauetEMnmLzpODCVcbAPDrvibOicFFDf0orxAQHibjCwaOudd0fAjo3RibShmMNibsfNGibQVsxQ/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=8" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNJDdiadjqFDmKuV7KlnBOfo9CotYV0EuVeBicvKbysASLHho0SdqplA7ZUwibbsCIiamp9lMpo2WiaheV94MYcJXoKkCicRq4SjTazQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNJDdiadjqFDmKuV7KlnBOfo9CotYV0EuVeBicvKbysASLHho0SdqplA7ZUwibbsCIiamp9lMpo2WiaheV94MYcJXoKkCicRq4SjTazQ/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXP8z1REb3IVbtureRrkTC3ouibNGcCZ64hEUffdPvHwDOib3Ryq8Zgf53743KWCZKdMnYzkrNjia37En37bppvJwUK1eE0QOsckV8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP8z1REb3IVbtureRrkTC3ouibNGcCZ64hEUffdPvHwDOib3Ryq8Zgf53743KWCZKdMnYzkrNjia37En37bppvJwUK1eE0QOsckV8/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN62d4OoSa3Ez3Yiav8h5MOTntFgP6KWYvkT3BiacSHibpmS97mEs8IHrYDy3iaKibE01n8RmswOMkwY8yhc81E1qh9fD5dic3RfFefI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN62d4OoSa3Ez3Yiav8h5MOTntFgP6KWYvkT3BiacSHibpmS97mEs8IHrYDy3iaKibE01n8RmswOMkwY8yhc81E1qh9fD5dic3RfFefI/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=11" alt="懂保爷测评配图" loading="lazy" />单从这一点来看，这四款产品我一定会选择大黄蜂17号。 <h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">三</h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">价格对比，哪款性价比最高？</h2>最后再给大家算下价格：以3岁男孩，50万保额，保终身，30年缴费为例，大黄蜂17号是3280元/年，青云卫6号是3690元/年，达尔文宝贝计划15号是3197元/年，妈咪宝贝爱常在是3235元/年。除了青云卫6号更贵些，其他三款价格相差不大。所以对比之下，我依然会选择大黄蜂17号，整体性价比更高。线下还有很多动不动价格过万的儿童重疾险，一般都是捆绑了身故责任的重疾险。大家一定要注意，不能买。孩子没有家庭经济责任，不需要花这么多钱保障身故责任。而且重疾捆绑身故，有一个很大坑点是，如果重疾理赔，合同就终止了。身故就不会再赔了。真的非常非常坑。给孩子买保险，主要配置重疾险、医疗险和意外险就可以了。给大家一个0岁男孩的综合方案参考。总共价格也才4258元。保50万终身重疾、200万住院医疗、20万意外、20万门诊。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOUibvzpDgukSvKpPiaGnS8MYk6UkCSfnZHkicefBjM5TyUBqJ0wrwIx01QAj2fuvAAcr7YlPoHK92r1qIWAibTASZJgx4gxxcKB04%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOUibvzpDgukSvKpPiaGnS8MYk6UkCSfnZHkicefBjM5TyUBqJ0wrwIx01QAj2fuvAAcr7YlPoHK92r1qIWAibTASZJgx4gxxcKB04/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>如果想了解更多关于少儿重疾险的避坑重点和选择标准，可以找我免费咨询。 <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"> </section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">有空的话，前面几篇重要文章可能也值得一看：</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504374&idx=1&sn=31d51b97cce88dc88c95ee6dade6e4ee&scene=21#wechat_redirect" 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本文为懂保爷原创保险知识科普，不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。