<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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTOiaePUfgnNLcSUI172y8ltc9HFE1icMySSibblfjWKdZTVy772Hu1hCODFnlr4yJaRtYLgZBMZnzekA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTOiaePUfgnNLcSUI172y8ltc9HFE1icMySSibblfjWKdZTVy772Hu1hCODFnlr4yJaRtYLgZBMZnzekA/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><p ><br /></p><section ><span >之前我们提出过一个观点：</span></section><section ><br /></section><section ><span >大人买重疾险尽量要“<strong>做减法</strong>”，给孩子买重疾险时，则更适合“<strong>做加法</strong>”。<br /></span></section><section ><br /></section><section ><span >部分朋友不太理解，今天来简单解释下。</span></section><p ><span ><strong><br /></strong></span></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、重疾险的“加/减法”是啥？</strong></strong></span></section></section></section></section></section></span></section><p ><span > </span></p><p ><span >首先，我们要确认一点：<strong>重疾险的保障不仅只有重大疾病</strong>。</span></p><p ><span ><br /></span></p><p ><span style="text-align: left">随着重疾险的发展，</span></p><p ><span style="text-align: left"><br /></span></p><p ><span style="text-align: left">保障内容除了最开始的纯重疾，还有诸多的可选或捆绑的额外保障。</span></p><p ><span ><br /></span></p><section ><span >我们做个表格简单梳理下：<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%2FaqibLpHUEczt9obXlYU9ouWh4UibTD5NU71ZskYuJeYtK2socKW9LuJECgtFkgWcTo8VOsDZKNZ2s534n8yqRxIg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczt9obXlYU9ouWh4UibTD5NU71ZskYuJeYtK2socKW9LuJECgtFkgWcTo8VOsDZKNZ2s534n8yqRxIg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span style="color: rgb(255, 0, 0)">我把重疾险的产品形态归为2大类：「纯重疾」、「重疾+其他保障<span >」</span>。</span></section><section ><br /></section><section ><span >“其他保障<span >”</span>代表当前主流重疾险除了重疾保障外的责任，如轻症、癌症多次赔、身故等。</span><br /></section><section ><span ><br /></span></section><section ><span >「重疾+其他保障」可以组合出很多种产品形态出来，例如「重疾+轻症中症」、<span >「</span>重疾+轻症中症+重疾多次赔<span >」</span>等...</span></section><p ><br /></p><p ><span >理论上，保障越多会越贵。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">偶尔也会有「重疾+轻症+中症」价格和<span >「</span>纯重疾<span >」</span>差不多，<span >或者多次赔付重疾险和单次赔付重疾的价格差不多的情况。</span></span></p><p ><span ><br /></span></p><p ><span >了解完这个，咱们所说的重疾险“<strong >做加法</strong>”、“<strong >做减法</strong>”大家应该都懂了。<br /></span></p><p ><span ><br /></span></p><ul ><li><p><span >给重疾险“<strong>做加法</strong>”就是投保时多附加重疾保障外的<span >“其他保障”</span>；</span></p></li><li><p><span >给重疾险“<strong >做减法</strong>”就是投保时尽可能少附加<span >“其他保障”</span>。</span></p></li></ul><p ><span ><br /></span></p><section ><span >既然这样，</span></section><section ><br /></section><section ><strong><span >为啥大人买重疾险尽量要“做减法”，给孩子买重疾险时，则更适合“做加法”呢？</span></strong></section><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 >二、为什么孩子适合做加法？</strong></strong></span></section></section></section></section></section></span></section><p ><span ><br /></span></p><p ><span >关于孩子买重疾险为什么适合做加法的问题，我们可以举个实例来看：</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><em><span style="color: rgb(136, 136, 136)">（以投保某知名重疾险：超级玛丽x号，50万终身保额，30年交为例）</span></em></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%2FO95eeDepqTOvo4kjxd6vDicyakAQy36Pwiaicbpa6s1FDtg8c3EQ6bo1ECwo3siaJ3LqHMyW6HgvZvUR4pV5lQQXaw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOvo4kjxd6vDicyakAQy36Pwiaicbpa6s1FDtg8c3EQ6bo1ECwo3siaJ3LqHMyW6HgvZvUR4pV5lQQXaw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >先看<strong>基础保障</strong>（重疾+中症+轻症）：</span></p><p ><span ><br /></span></p><p ><span >大人保费是5430元/年、孩子保费是2050元/年。</span></p><p ><br /><span >这时，如果大人想“<strong >做加法</strong>”，附加一项<span >“其他保障”</span>中的<span >“癌症津贴”</span></span><span style="color: rgb(136, 136, 136)">（即癌症多次赔）</span><span >，他要多付出885元/年。</span></p><p ><span ><br /></span></p><p ><span >反观孩子，附加这项责任只要245元/年。</span></p><p ><span ><br /></span></p><p ><span >同理还有剩下几项</span><span >“其他保障”，<strong>无一不是大人的附加费率远高于孩子</strong>。</span></p><p ><span ><br /></span></p><p ><span >重疾险这类健康保险原本便是年龄越大，保费越贵，定价基准也越高<span style="color: rgb(136, 136, 136)">（也有时间价值影响）</span>。</span><br /></p><p ><span ><br /></span></p><p ><span >这就是<strong>孩子买重疾险远远比大人买重疾险便宜</strong>的原因，不仅体现在</span><span >基础保障，其他保障同样适用。</span><br /></p><p ><span ><br /></span></p><p ><span >这时，如果大人投保重疾险还想着“<strong >做加法</strong>”，就会发现价格太高了，附加一项都会大幅提升保费。</span></p><p ><span ><br /></span></p><p ><span >孩子买就没啥感觉了，本来投保就便宜，加个几项<span >“其他保障”保费也没涨多少。</span></span></p><p ><br /></p><p ><span >不知道大家还记得下面这张图不，这就是我们针对大人的重疾险投保攻略：</span></p><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTOvo4kjxd6vDicyakAQy36PwHTb8ypSHNnLOqnkVbuybiay7ntmUf3nFG4kHcMT9Fe57uLzuib9LLLmA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTOvo4kjxd6vDicyakAQy36PwHTb8ypSHNnLOqnkVbuybiay7ntmUf3nFG4kHcMT9Fe57uLzuib9LLLmA/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)">点击查看大图</span><br /></section><p ><br /></p><p ><span >里面就提到，大人投保重疾险，除了轻/中症、癌症多次赔加价不多可以选，</span></p><p ><br /></p><p ><span >其他像重疾多次赔、心脑血管重疾多次赔等统统不建议附加。<br /></span></p><p ><span ><br /></span></p><p ><span >即大人投保重疾险要尽可能“<strong >做减法</strong>”来维持核心保障</span><span style="color: rgb(136, 136, 136)">（终身保额）</span><span >，“好钢用在刀刃上”！</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">即便有更多预算，也应当优先提升核心保障，而不是去追求<span style="color: rgb(136, 136, 136)">“其他保障”</span>。</span></p><p ><br /></p><p ><span >反之，对于孩子投保，我们就要换个思路。</span></p><p ><span ><br /></span></p><p ><span >家长们再给孩子投保重疾险时，可以多考虑“</span><strong >做加法</strong><span >”，可以附加上重疾多次赔、癌症多次赔等大人不是很推荐的</span><span >“其他保障”</span><span >。</span></p><p ><span ><br /></span></p><ul ><li><p><span >一来孩子买确实便宜；</span></p></li><li><p><span >二是孩子未来还长，增加些其他保障会更实用。</span></p></li></ul><p ><span ><br /></span></p><p ><span >就像我们前面对比的那样，既然已经花了2000元投保重疾险，何妨再添200元给孩子增加点<span >“其他保障”</span>。</span></p><p ><span ><br /></span></p><p ><span >当然，在现实生活中，情况要复杂得多。</span></p><section ><span ><br /></span></section><section ><span >例如有的产品本身保障有缺陷，还想着去“<strong>做加法</strong>”，那肯定踩坑。<br /></span></section><section ><span ><br /></span></section><section ><span >有的产品明明某项<span >“其他保障”</span>性价比很高，是产品亮点，结果“<strong >做减法</strong>”给去了...</span></section><section ><br /></section><p ><span >这些情况防不胜防，很难一次性解决。</span></p><p ><span ><br /></span></p><p ><span ><strong>大家要是拿不准，</strong></span><strong style="color: rgb(0, 0, 0)"><span >可以加我助手微信：dongbaoye888</span></strong></p><p ><br /></p><section ><strong style="color: rgb(0, 0, 0)"><span ><strong ><span >或在</span></strong><span style="color: rgb(33, 89, 103)"><strong ><span >懂保爷公众号“免费咨询”菜单</span></strong></span><span ><strong ><span >预约</span></strong></span><strong ><span >1对1专属老师咨询。</span></strong></span></strong></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong ><span >重疾险相关科普：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490982&idx=1&sn=06b45bc551e1bfce5b11bfe2bd4bc612&chksm=cfb5fe26f8c277302651be486cb12908563e8b1140d33cc13eeb2c145bd7b326d3ff82203097&scene=21#wechat_redirect" tab="innerlink"></a></span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490982&idx=1&sn=06b45bc551e1bfce5b11bfe2bd4bc612&chksm=cfb5fe26f8c277302651be486cb12908563e8b1140d33cc13eeb2c145bd7b326d3ff82203097&scene=21#wechat_redirect" tab="innerlink">99%的人都买错了重疾险！我把这些实话一次全告诉你</a></span><strong ></strong><strong ></strong></span></section><section ><span ><strong >重疾常见问题：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490998&idx=1&sn=709ad89c50be9fc7591d9aa5e1b4f19b&chksm=cfb5fe36f8c2772003a988be7f0f9ac558b67c5116ac3c0a8d268616c179fe0a205b2c425596&scene=21#wechat_redirect" tab="innerlink"></a></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=Mzg4NDY2ODE0Mw==&mid=2247490998&idx=1&sn=709ad89c50be9fc7591d9aa5e1b4f19b&chksm=cfb5fe36f8c2772003a988be7f0f9ac558b67c5116ac3c0a8d268616c179fe0a205b2c425596&scene=21#wechat_redirect" tab="innerlink">这10个问题没搞清楚，不要急着买重疾险！</a></span></section><section ><span ><strong ><span >其他险种科普：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793806&idx=1&sn=5aac394eeded76d15d094c25657cba1b&chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&scene=21#wechat_redirect" tab="innerlink" hasload="1" >百万医疗险：大多数人看不透的假象</a></span></span></section><section style="text-align: center"><br /></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><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><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>
