超2000万人投保的支付宝「好医保长期医疗险」升级后影响千万人！还值得买吗？

<p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvjmrc5JC3DFuEG98lrncwF891IQUsMqxiceBcH9NZTn8rzgHMpibv5ApDBeY1kBSWr2sLwhfib6qdfQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvjmrc5JC3DFuEG98lrncwF891IQUsMqxiceBcH9NZTn8rzgHMpibv5ApDBeY1kBSWr2sLwhfib6qdfQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icd7yq3MU10zCttRynO4fXLibGnTNPrAHPrPbSLYVqib2ezKcxE0uVUVCA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icd7yq3MU10zCttRynO4fXLibGnTNPrAHPrPbSLYVqib2ezKcxE0uVUVCA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><br /></section><section ><span >大家可能依稀记得之前的<a href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447787051&amp;idx=1&amp;sn=b727cef3573030a0478f5c72f18d5e34&amp;chksm=b2b0636985c7ea7f04df63872c90bf9ff5aef756eb21f46dbf5ea40690f1015e96fa9951f373&amp;scene=21#wechat_redirect" target="_blank">蚂蚁保险深度评测文</a>中，保爷在点评好医保的长期医疗险时提到它今年做了更新，当时碍于篇幅没法细说，正好这几天有读者留言说想了解具体的迭代情况，保爷今天就单独拎出来给大家说说</span><span style="color: rgb(33, 89, 103)"><strong>好医保长期医疗2019</strong></span><span >相较</span><span style="color: rgb(33, 89, 103)"><strong>好医保长期医疗2018</strong></span><span >到底升级了啥？</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">先说明一点，官方并没有区分有好医保长期医疗2018款和好医保长期医疗2019款，保爷这样命名只是因为长期医疗的内容发生了改变，这样用以区分旧款新款比较便捷而已。</span><span ></span></section><section ><br /></section><section ><span >保爷之前在评测中是这样说的：<strong>要注意的是2019款长期医疗相比2018款长期医疗</strong><strong>更新了条款，例如健康告知变严格、既往症也变严格、价格变贵了（贵了10%-20%）、保障责任提升。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >保爷当时就简单提了几句，今天我们来细细品味下这次好医保长期医疗的升级到底有哪些细节的不同，还值不值得购买？</span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>健康告知</strong></span><br /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">首当其冲就是条款（健康告知）的更新：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icEQZaIjqelh3afgxrfRs8cnCF8D2e1m46cTugyia3tBvos1qibg8nRaAQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icEQZaIjqelh3afgxrfRs8cnCF8D2e1m46cTugyia3tBvos1qibg8nRaAQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">好医保2018款长期医疗险</span><strong style="color: rgb(178, 178, 178)"></strong><br /></section><section style="text-align: center"><span ><strong><span style="color: gray"><br /></span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icJxuLI2HS8GbicT4N3TwuKvmL9Ml131NbSHr2lg7cJX1F8PmcYKYscgQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icJxuLI2HS8GbicT4N3TwuKvmL9Ml131NbSHr2lg7cJX1F8PmcYKYscgQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">好医保2019款长期医疗险</span><strong style="color: rgb(178, 178, 178)"></strong><br /></section><p style="text-align: center"><br /></p><section ><span >大家可以明显看到的是，健康告知第二条（被保险人正在或曾经患有下列疾病或症状）新增了很多病症。</span></section><section ><span ><br /></span></section><section ><span >涵括有</span><span style="color: rgb(0, 0, 0)"><strong>甲状腺结节、乳房结节或肿块、胃肠息肉、肺部结节或磨玻璃影等结节类的询问，</strong><strong>另增慢性支气管炎、支气管扩张等气管类疾病和艾滋病、梅毒等传染病询问。</strong></span><span style="color: rgb(136, 136, 136)"><strong></strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span style="color: rgb(136, 136, 136)">但需要注意的是，结节属于某种疾病的一种症状，是相当常见的，现代人只要有常规体检，查出结节很正常。<strong></strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >所以现在购买好医保2019款相比好医保2018款的门槛高了许多，但和同类百万医疗险产品相比较，好医保2019款的健康告知基本和它们处于同一水平，某些方面甚至还要宽松一点。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >既往症</span></strong></span><span ><br /></span></section><section ><span ><br /></span></section><section ><span >除了收紧健康告知条款外，既往症也变得严格。</span></section><section ><span ><br /></span></section><section ><span >什么是既往症？</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">就是投保之前就有而且投保时也没治愈的疾病，好医保新款对既往症无论是否如实告知，只要有就属于它的免责范围。</span><span ></span></section><section ><span ><br /></span></section><section ><span >但好医保长期医疗2018款就比较特殊，保爷给大家看下原条款：</span><span style="color: rgb(0, 0, 0)"><strong>被保险人在首次或非连续投保时未如实告知的既往症及在本合同首次或非连续投保保单签发日前24月内已经存在的疾病。</strong></span><span style="color: rgb(136, 136, 136)"><strong></strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >也就是说两年前的既往症是赔付的，这点真的是让人惊掉下巴，所以保爷之前也说了，能买2018款就买，是绝对不亏的。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >保费</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >至于价格，的确是变贵了一些，但也没有贵出太多以至于失去了性价比和竞争力。</span></section><section ><span ><br /></span></section><section ><span >保爷做张图给大家看看，这样直观点：</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%2FaqibLpHUEczsr3Bic56uvDps4iaBLJZHG9iciaGyKzIRBl1V6ZMXDjN1tx7zoR2WpO7tGFWZvfRrjIxmSibTe0LG6Ucw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsr3Bic56uvDps4iaBLJZHG9iciaGyKzIRBl1V6ZMXDjN1tx7zoR2WpO7tGFWZvfRrjIxmSibTe0LG6Ucw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><section ><span >表中可以看到，好医保长期医疗2019款对比2018款的10%-20%的涨额大概是几十元这样，如果年龄较长的话（46岁以上）贵了有一百多元，基本就是年龄越大，保费越高。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >保障责任</span></strong></span></section><section ><span ><br /></span></section><section ><span >前面大家都看到了，啥啥都变的更不友好了，那肯定得有好的升级，不然这产品就可以下架了不是。</span></section><section ><span ><br /></span></section><section ><span >所以保爷最后来说一下本次好医保长期医疗2019款的提升部分——<strong>保障责任：</strong></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><strong>• &nbsp;</strong><strong>新增罹患100种重疾给付津贴1万元</strong><strong></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong>• &nbsp;</strong><strong>新增肿瘤特药服务</strong><strong></strong></span></section><section ><span style="color: rgb(0, 0, 0)"><strong>• &nbsp;</strong><strong>质子重离子报销比例从60%提升到100%</strong></span><span style="color: rgb(136, 136, 136)"><strong></strong></span></section><section ><span ><strong>&nbsp;</strong></span></section><section ><span >这就是本次的主要保障升级，保爷本想再写点细节，但发现总结的已经很清楚了，无外乎罹患重疾的1万额外津贴、增加肿瘤靶向治疗药物（包括药品直付以及DTP药房院外药房取药送药服务）、比较小众但有效的质子重离子报销比例提升。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">虽然看起来提升的不多，但基本上把之前没覆盖到的保障都涵括进去了，所以就保障责任升级来说保爷觉得是没有问题的。</span><span ><br /></span></section><p style="text-align:center"><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icrf5icJWRM2pKWsoVIOSLHia21CJaYVt21EJVcm9XDQLibDLLmWY5LP5Gg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsr3Bic56uvDps4iaBLJZHG9icrf5icJWRM2pKWsoVIOSLHia21CJaYVt21EJVcm9XDQLibDLLmWY5LP5Gg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">2019款保障计划</span><strong style="color: rgb(178, 178, 178)"></strong><br /></section><p style="text-align: center"></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)"><strong><br /></strong></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>写在最后：</strong></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><br /></strong></span></section><section ><span >整体来说，这次的升级保障还是有的，只是不算是想象中完美的“升级”，虽然保障内容更加细致全面，但保费价格和投保门槛却也都一并提升。</span></section><p ><br /></p><section ><span style="color: rgb(136, 136, 136)"><span >当然无论怎么说，好医保长期医疗还是一款不错的产品，</span><span >如果你最近在纠结好医保长期医疗的新旧款，相信看完这篇文章后大家就应该知晓该如何选择了。</span></span><span ></span></section><section ><span ><br /></span></section><section ><span ></span><span >若你对好医保以外的百万医疗险有兴趣，想了解其他更高性价比的产品，可以添加保爷微信<span >：<strong ></strong><strong ></strong></span><span ><strong ><span >dongbaoye999</span></strong><span >免费贴心咨询，</span></span>保爷给你推荐最适合你、最高性价比的保险产品，</span><strong ><span >相信保爷一定能给你一些专业的建议，</span><strong >帮你花最少钱买对保险不掉坑</strong><span >！</span></strong></section><section ><strong ><span ></span></strong></section><section ><strong><span ></span></strong></section><section ><span ><br /></span></section><section ></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保险的信息不对称问题太严重，十买九坑！保爷强烈建议大家买保险前先看看<strong >懂保爷</strong>公众号的评测文章并咨询保爷，能帮你省钱50%避坑100%。</span></section><p ><br /></p><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(33, 89, 103)"><strong >愿你家的保单永不出险！</strong><strong ></strong></span></section><section style="text-align: center"></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">【若本文对你有帮助，别忘了分享给你的朋友】</span></section><p><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczs3GE3SUr4SS0MXHuwqIqnL98ay9xIRibkuGf9QZicGu5AjV7GzCmg9YMRKzs9iaP4Nkuo52FM8xv3QQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczs3GE3SUr4SS0MXHuwqIqnL98ay9xIRibkuGf9QZicGu5AjV7GzCmg9YMRKzs9iaP4Nkuo52FM8xv3QQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="text-align: left"><br /></p><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 style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如果对你有帮助，帮我点下<strong >在看</strong>吧</span></p></section></section></section>