<p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBJ4azs4pcia08vXOpGlt1wxx8GLKDgibFhaF1gxicSY6W0J30Xf3n3UUIA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBJ4azs4pcia08vXOpGlt1wxx8GLKDgibFhaF1gxicSY6W0J30Xf3n3UUIA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">据财联社消息，“难产”了大半年的《重疾险新定义》终于要在本周发布了。</span></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">届时在售<strong>重疾险</strong>都将迎来“下架潮”，如果已经看准了哪款重疾险，一定要尽快下手，一旦产品下架可就走远了。</span></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start">至于新规有什么影响，保爷之前总结过：<br /></span></section><section ><span style="color: rgba(0, 0, 0, 0.9); text-align: start"><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZ2Za6xhNNUV6LvPwg3VUPkrciaQJZjJ5ibmtEcvK6XXttCpOH2YYnxyQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZ2Za6xhNNUV6LvPwg3VUPkrciaQJZjJ5ibmtEcvK6XXttCpOH2YYnxyQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >最大的影响就是新定义里的<strong>轻症</strong>赔付上限只有<strong>30%</strong>了，</span></p><p ><span ><br /></span></p><p ><span >然后以往按重疾赔付的<strong>轻度甲状腺癌</strong>被划给轻症</span><span style="color: rgb(136, 136, 136)">（最多赔30%保额）</span><span >，不再按大病赔付</span><span style="color: rgb(136, 136, 136)">（赔100%保额）</span><span >。<br /></span></p><p ><br /></p><section ><span >相比之下，我们以投保50万保额的达尔文3号为例：</span></section><section ><span ><br /></span></section><ul ><li><p ><span >轻度甲状腺癌现在最高能获赔90万，按新规看只能赔最高15万；<br /></span></p></li><li><p ><span >轻度心肌梗塞现在能赔22.5万，按新规看也只能赔最高15万。</span></p></li></ul><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">虽然对行业来说，是个好事。</span></strong></span></section><section ><span ><br /></span></section><section ><span >例如根据</span><span >平安的重疾险理赔数据：</span></section><section ><span ><br /></span></section><section ><span >甲状腺癌已经是理赔率最高的癌症了，其中大多数理赔的都是轻度甲状腺癌。</span></section><p ><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsd8P4KQEicP16CBOkhjnePnLpDZ3iaGBRcFAR4H9Qas52LgJxm4Ew6TW2uSGObdAEXgQmiap9fCqO2w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsd8P4KQEicP16CBOkhjnePnLpDZ3iaGBRcFAR4H9Qas52LgJxm4Ew6TW2uSGObdAEXgQmiap9fCqO2w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >降级轻度甲状腺癌这种治疗费用很低的癌症，也能减轻保险公司赔付压力，让行业健康发展。<br /></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>但</strong><strong>对投保人来说，肯定算不上是好事。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span ><span >因此，在意性价比的朋友，保爷建议</span><strong><span >大</span><span >家尽量投保新规前的重疾险</span></strong><span >。</span></span></section><section ><br /></section><section ><span ><span >如果真的犹豫踌躇，<strong>不妨旧规/新规产品各买一部分</strong>。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span style="color: rgb(136, 136, 136)">例如计划投保50万保额，可以先买30万保额的当前产品。等新规发布后，再买20万保额的新产品。</span></section><section ><br /></section><section ><span >总之，大家且“投”且珍惜。<br /></span></section><section ><span ><br /></span></section><section ><span ><span style="color: rgb(0, 0, 0)">如果有遇到任何保险问题或投保疑问，</span></span><span style="color: rgb(0, 0, 0)">欢迎添加保爷助手微信：dongbaoye888（备注“1对1”）</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">限时</span><strong style="color: rgb(0, 0, 0)">免费</strong><span style="color: rgb(0, 0, 0)">安排1对1专属保险规划老师贴心咨询。</span></section><section ><span ><span style="color: rgb(0, 0, 0)"></span></span></section><section ><span ><br /></span></section><section style="text-align: center"><span ><span >— </span><strong >END </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 > <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>
