癌症缩水？降价？一文读懂重疾险时隔13年修改重疾定义！

<section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0LGLibooztjhdRcxktIHBrKOSaLiaibeibLVFLTeMFk0YcVjOQnKialfNticw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0LGLibooztjhdRcxktIHBrKOSaLiaibeibLVFLTeMFk0YcVjOQnKialfNticw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: gray">重疾险的保障责任要改废了！</span></section><section ><span style="color: gray">以后的重疾险不保甲状腺癌这种小癌症了！</span></section><section ><span style="color: gray">轻症以后最多只能赔付20%保额了！</span></section><section ><span style="color: gray">现在买了悔三天，现在不买悔三年！</span></section><section ><span >&nbsp;</span></section><section ><span >从昨天开始，一些“标题党”和线下保险代理人，就开始在在朋友圈或者自媒体上开始发表如上言论。</span></section><section ><span >&nbsp;</span></section><section ><span >而这一切的起因都可以归结于中保协<span style="color: gray">（中国保险行业协会）</span>在3月31日发布的<strong>《重大疾病保险的疾病定义使用规范修订版（征求意见稿）》</strong>。</span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0V3KDxUGIJbwwOZn9gg85nngJAAhRvibddnMtpXWQQV4ibLHOU3huM4SQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0V3KDxUGIJbwwOZn9gg85nngJAAhRvibddnMtpXWQQV4ibLHOU3huM4SQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >在本次意见稿中，中保协对重疾险的<strong>疾病定义</strong>及<strong>保障内容</strong>都做出了新的规范。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">然而其中的一些内容，被某些别有用心的人加以利用，不顾事实的进行断章取义，再像开头那样发布出来。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">那些人危言耸听到底想干啥，大家都清楚，不外乎趁机兜售一波产品，收割一茬韭菜罢了。</span></section><section ><span >&nbsp;</span></section><section ><span >保爷也无意批判别人，今天只是来理性的剖析一下中保协的意见稿，看看给大家有没有造成实质性的影响。</span></section><section ><span >&nbsp;</span></section><section ><span >首先保爷要感概一下：<strong>近13年没动过的重疾险的疾病定义终于要改了！</strong></span></section><section ><span >&nbsp;</span></section><section ><span >先撇开改后的内容不提，我们要</span><span >肯定的是</span><strong >修改保险疾病定义是一件好事</strong><span >。</span></section><section ><span >&nbsp;</span></section><section ><span >要知道我们现行的《重大疾病保险的疾病定义使用规范》上一次修订还在2007年…</span></section><section ><span >&nbsp;</span></section><section ><span >这意味着我们现行的重疾定义有一部分是跟不上时代步伐的，并且不规范的定义也不符合现在的治疗标准，</span></section><section ><span >&nbsp;</span></section><section ><span >而这就容易引起保险公司和投保人的理赔纠纷。</span></section><section ><span >&nbsp;</span></section><section ><span >所以保爷对修订重疾险的疾病定义还是持比较欢迎的态度的。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>言归正传，我们来看看这次意见稿相比2007年到底改了啥？</strong></span></section><section ><span >&nbsp;</span></section><section ><span >先给大家说结论：</span></section><section ><span >&nbsp;</span></section><ul ><li ><p><span >修改了一些重疾的名称和定义；</span></p></li><li ><p><span >在25种高发重疾基础上，新增3种重疾；</span></p></li><li ><p><span >有轻症责任的重疾险，必须包含3种规定的轻度疾病；</span></p></li><li ><p><span >限制上一条中3种轻度疾病的赔付比例为20%以下；</span></p></li><li ><p><span >保障范围高度重叠的疾病不再单独作为重疾种类；</span></p></li><li ><p><span >发病率极低的疾病需要标注出来以提示消费者；</span></p></li><li ><p><span >之后至少每5年评估一次疾病定义及规范，来决定是否修订</span></p></li><li ><p><span >在规范（非本次意见稿）正式发布之前，购买的重疾险不受新规范影响。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span >保爷再来详细解释下每项改变：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong><span >一、修改了一些重疾的名称和定义</span></strong></span></section><section ><span >&nbsp;</span></section><section ><span >大家应该知道，在所有重疾中，25种高发重疾理赔占比高达95%，</span></section><section ><span >&nbsp;</span></section><section ><span >而在这25种高发重疾之中，又有6种超高发重疾占到80%-90%左右，</span></section><section ><span >&nbsp;</span></section><section ><span >现在它们分别叫做：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">恶性肿瘤、急性心肌梗塞、脑中风后遗症、冠状动脉搭桥术、重大器官移植术或造血干细胞移植术、终末期肾病。</span></section><section ><span >&nbsp;</span></section><section ><span >但如果这次意见稿通过后，在新规范下就要改名叫：</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)"><strong>严重</strong>恶性肿瘤、<strong>较重急性心肌梗死</strong>、<strong>严重</strong>脑中风后遗症、冠状动脉搭桥术、重大器官移植术或造血干细胞移植术、<strong>严重慢性肾脏病。</strong></span></section><section ><span >&nbsp;</span></section><section ><span ><strong>1</strong><strong>、恶性肿瘤</strong>更名<strong>严重恶性肿瘤</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0yicqfKgcTDXgWzGOy9eWaiaJgBdzr9xu01VLEmRe6SkGiaWrevwYlFaNg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0yicqfKgcTDXgWzGOy9eWaiaJgBdzr9xu01VLEmRe6SkGiaWrevwYlFaNg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >之所以加上严重，是因为这次意见稿中引入了ICD-O-3 肿瘤形态学概念，这是一种分级体系。</span></section><blockquote><section><section ><span >ICD-O-3《国际疾病分类肿瘤学专辑》第三版， 是WHO组织编写的对ICD中肿瘤的形态学组织学细胞类型、动态、分化程度的补充编码。</span></section><section ><br /></section><section ><span >其 中，</span></section><section ><span >0：良性肿瘤</span></section><section ><span >1：动态未定性肿瘤</span></section><section ><span >2：原位癌和非侵袭性癌</span></section><section ><span >3：恶性肿瘤（原发性）</span></section><section ><span >6：恶性肿瘤（转移性）</span></section><section ><span >9：恶性肿瘤（原发 性或转移性未肯定）</span></section></section></blockquote><section ><span style="color: rgb(136, 136, 136)">拿最常见的甲状腺癌为例，这次规范发布后，并不是剔除了甲状腺癌保障责任，而是采用了分级体系。</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">如果甲状腺癌症状较轻，就按轻症赔付，不再按照重疾赔付，</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">但如果是ICD-O-3 肿瘤形态学编码中属于 3、6、9范畴的甲状腺癌就能以重疾赔付。</span></section><section ><span >&nbsp;</span></section><section ><span >大家应该还记得之前<strong>支付宝相互宝把轻度甲状腺癌降低赔付</strong>引发的争议，</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">原本互助金30万降到5万，原因就是大量成员对轻度甲状腺癌可以获得满额赔付的不满。</span></section><section ><span >&nbsp;</span></section><section ><span >所以对于这点改变保爷是比较看好的，毕竟轻症甲状腺癌既高发、又容易治愈、医疗费用也真的低。</span></section><section ><span >&nbsp;</span></section><section ><span >而在对轻度甲状腺癌这类重疾降级后，重疾险的价格很有可能会降低一些。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>2</strong><strong>、急性心肌梗塞</strong>更名<strong>较重急性心肌梗死</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0BCpNG6kHcaMIbs3mF7bGyTF0UEtBCH6Ldp59hOhAo2sc8uXN0czAeg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0BCpNG6kHcaMIbs3mF7bGyTF0UEtBCH6Ldp59hOhAo2sc8uXN0czAeg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >对消费者没太大影响，对原定义加以规范化，细化了检测方式、衡量病情的标准。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">虽然看起来严格了一些，但保爷认为是减少了纠纷的产生，</span></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">并且某些时间细节有所放宽，比如90天后检查某项改为6周后检查。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>3</strong><strong>、脑中风后遗症</strong>更名<strong>严重脑中风后遗症</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0fZSestZv5wkVvff9iaaWQxGKFZaaCibcuoZIFY8366YKmIDDiaa0hUgBg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0fZSestZv5wkVvff9iaaWQxGKFZaaCibcuoZIFY8366YKmIDDiaa0hUgBg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >对消费者没太大影响，也是对原定义加以规范化，细化了检测方式、衡量病情的标准。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>4</strong><strong>、</strong>冠状动脉搭桥术<strong>名称没变</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0W2WDDmibwev7NMLRngZwiaiaIIS4S1VS97KgY2VFUABcKzOCoicnDVnBCA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0W2WDDmibwev7NMLRngZwiaiaIIS4S1VS97KgY2VFUABcKzOCoicnDVnBCA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >对原定义加以规范化，但对消费者比之前好一点。</span></section><section ><span >&nbsp;</span></section><section ><span >具体措施就是将冠状动脉搭桥术的“开胸”改为了“切开心包”。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">因为随着无创和微创治疗的普及，只用切开心包、不用开胸对患者无疑更加友好。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>5</strong><strong>、</strong>重大器官移植术或造血干细胞移植术<strong>名称没变</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0GNB8geBeYDS2HSicB48PLjgx4c3jRg3riarCDGt8QRWqdu5uesnypEIQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0GNB8geBeYDS2HSicB48PLjgx4c3jRg3riarCDGt8QRWqdu5uesnypEIQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >增加了对重大器官移植术中的<strong>小肠异体移植手术</strong>的责任，其他不变，总体好了一点。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>6</strong><strong>、终末期肾病</strong>更名<strong>严重慢性肾脏病</strong></span></section><section ><span >&nbsp;</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0QianBEfHdE9LQffEIDehoHUmXMukjphyTezgfTeib1BeKxGJic4HiajmIw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuXwN8Bec2Qv0wMOvic3rFic0QianBEfHdE9LQffEIDehoHUmXMukjphyTezgfTeib1BeKxGJic4HiajmIw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >对消费者影响不大，只是去除了与重大器官移植术重合的肾脏移植手术，然后给规律性透析加了定义。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>除了上面这6种重疾，其他一些重疾的定义在这次修订中也变得规范化。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >综合来看，这一大项的修订其实没啥毛病，而且更符合了当下的疾病标准，但具体也要看到时新规下重疾险产品的数据反馈。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>二、在25种高发重疾基础上，新增3种重疾</strong></span></section><section ><span >&nbsp;</span></section><section ><span >这没啥好说的，就是有定义的重度疾病种类增加了3种：</span></section><section ><span >&nbsp;</span></section><ul ><li><p ><span style="color: rgb(136, 136, 136)">严重慢性呼吸功能衰竭；</span></p></li><li><p ><span style="color: rgb(136, 136, 136)">严重克罗恩病；</span></p></li><li><p ><span style="color: rgb(136, 136, 136)">严重溃疡性结肠炎。</span></p></li></ul><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>三、有轻症责任的重疾险，必须包含3种规定的轻度疾病</strong></span></section><section ><span >&nbsp;</span></section><section ><span >本次意见稿还规定：</span></section><section ><span >&nbsp;</span></section><section ><span >如果重疾险产品有轻度疾病责任的话，就必须把本规范内的3种轻度疾病：</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>轻度恶性肿瘤、较轻急性心肌梗死、轻度脑中风后遗症</strong>涵盖在保障责任内。</span></section><section ><span >&nbsp;</span></section><section ><span >撇开赔付比例来看，是个好事，因为重疾险本身是不要求保障轻度疾病的。</span></section><section ><span >&nbsp;</span></section><section ><span >新增3项轻度疾病定义对消费者也是个利好，至于赔付比例我们下一条再分析。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>四、限制上一条中3种轻度疾病的赔付比例为20%以下</strong></span></section><section ><span >&nbsp;</span></section><section ><span >现在很多重疾险的轻症赔付比例都高达45%、55%了，</span></section><section ><span ><br /></span></section><section ><span >20%的赔付比例，着实太低了！<br /></span></section><section ><span ><br /></span></section><section ><span >保爷开头提到个谣言：轻症以后最多只能赔付20%保额了。</span></section><section ><span >&nbsp;</span></section><section ><span ><strong>其实20%的赔付比例只针对上一条的3种轻度疾病。</strong></span></section><section ><span >&nbsp;</span></section><section ><span >也就是说其他的轻症责任是正常的，赔付不会在20%以下。</span></section><section ><span >&nbsp;</span></section><section ><span >新规除了赔付比例低，理赔门槛也变得有点苛刻了。</span></section><section ><span >&nbsp;</span></section><section ><span >新规中，两项轻度疾病</span><span style="color: rgb(136, 136, 136)">（较轻急性心肌梗死、轻度脑中风后遗症）</span><span >定义就很严格。</span></section><section ><span ></span></section><section ><span >&nbsp;</span></section><section ><span >它们的某些病情按现在标准来看甚至可以按中症赔付。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span >好在目前来看只有3种轻度疾病定义，对消费者产生的影响不算很大。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>五、保障范围高度重叠的疾病不再单独作为重疾种类</strong></span></section><section ><span >&nbsp;</span></section><section ><span >关于这点，意见稿中原文是这样的：</span></section><blockquote><section><section >保险公司可以在其重大疾病保险产品中增加本规范疾病范围以外的其它疾病，但在同一重大疾病保险产品中不得含有保障范围高度重叠的疾病。</section></section></blockquote><section ><span >就是把一些明显保障差不多的疾病，只留下一个，不得抽离出来凑数，</span></section><section ><span >&nbsp;</span></section><section ><span >保爷估计以后的重疾险相比现在重疾险，动辄100+的重疾种类可能会来一次“瘦身”。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>六、发病率极低的疾病需要标注出来以提示消费者</strong></span></section><section ><span >&nbsp;</span></section><section ><span >因为现在重疾险动不动就宣称保障100多种重疾，</span></section><section ><span >&nbsp;</span></section><section ><span >而事实上常见25种高发重疾就占了95%左右的理赔，可见剩下的7-80种重疾都是非常少见的。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >新规生效后，对于发病率极低的疾病，重疾险产品就要明显标注了。</span></strong></section><section ><span >&nbsp;</span></section><section ><span >这样也能让消费者更加明白自己的保障责任，降低被重疾数量所迷惑的可能。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>七、之后至少每5年评估一次疾病定义及规范，来决定是否修订</strong></span></section><section ><span >&nbsp;</span></section><section ><span >本次制定了一个评估周期，5年一次评估还是比较科学的，毕竟连续13年不修订确实有点跟不上医疗水平的发展。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(255, 76, 65)"><strong>八、在规范（非本次意见稿）正式生效之前，购买的重疾险不受新规范影响</strong></span></section><section ><span >&nbsp;</span></section><section ><span >这项算不上啥改变，就是在新规生效前，已经投保的重疾险不受新规影响。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>保爷最后来总结一下：</strong></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><br /></strong></span></section><section ><span style="color: rgb(0, 0, 0)">虽然这次的<strong >《重大疾病保险的疾病定义使用规范修订版（征求意见稿）》</strong>确实引起了波澜，</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">不少之前在懂保爷公众号投保过重疾险的朋友来问保爷：</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">“保爷，我之前买的重疾险赔甲状腺癌吗？”<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">会赔的！<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">保险本质上是合同，投保时就确定了合同内容，新规不会影响之前已经生效的保险合同。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">所以，已经买过重疾险的朋友不用慌。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(255, 41, 65)"><strong><span >那到底是新规好还是旧规好呢？</span></strong></span><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong><span style="color: rgb(0, 0, 0)">一些朋友认为：</span></strong></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">还是旧规范好！</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">得了甲状腺癌能赔所有保额；</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">轻症赔付的比例高，45%左右很正常，而新规有些只能20%。<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong><span style="color: rgb(0, 0, 0)">另一些朋友可能会认为：</span></strong><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">还是新规好，不然得了冠状动脉搭桥术，按照旧规，还得要开胸才能赔。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">保爷这里解释一下：<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">就算到时候做了微创切开心包，没做开胸，也是可以理赔的，因为：<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong><span style="color: rgb(136, 136, 136)">保监会的《健康保险管理方法》第二十三条明确规定：</span></strong></section><section ><span style="color: rgb(136, 136, 136)">&nbsp;</span></section><section ><span style="color: rgb(136, 136, 136)">保险公司在健康保险产品条款中约定的疾病诊断标准应当符合通行的医学诊断标准，并考虑到医疗技术条件发展的趋势。</span></section><section ><span style="color: rgb(136, 136, 136)"><br /></span></section><section ><span style="color: rgb(136, 136, 136)">健康保险合同生效后，被保险人根据通行的医学诊断标准被确诊疾病的，保险公司不得以该诊断标准与保险合同约定不符为理由拒绝给付保险金。</span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">所以大家不用太在意新规的影响，正常按照自己的需求投保就行。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">此外，如果想问新规后重疾险会涨价还是降价？<br /></span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">保爷只能回答：<strong>有降价空间，因为保障会相对差一点，但降价幅度可能不会很大。</strong></span></section><section ><span style="color:#000000"><span ><strong><br /></strong></span></span></section><section ><span style="color:#000000"><span >你觉得新规好还是之前的好？<strong><br /></strong></span></span></section><section ><span style="color:#000000"><span ><strong><br /></strong></span></span></section><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(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)">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 >&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 ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，<span >帮忙点个</span><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>