<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><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" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey,大家好,我是懂保爷资深产品测评师丽丽~</span></span></span></section><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >月初,海保人寿的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽17号</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >刚上线,我专门拿它跟</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽16号Pro</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >做了对比:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505096&idx=1&sn=365a71fb4a76f729b50886e3122ff03d&scene=21#wechat_redirect" textvalue="超级玛丽16号打不过,新出的17号终于知道降价了" linktype="text">超级玛丽16号打不过,新出的17号终于知道降价了</a></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >当时对比下来我们发现:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽17号确实做得不错,不仅保障全面,价格也很有优势。</span></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >后来就有不少朋友继续问我:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >“超级玛丽17号和复兴联合的达尔文12号,该怎么选?”</span></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这两款都是目前市场上比较热门的成人重疾险,基础的轻、中、重疾保障都很完整,价格也几乎没什么差别,性价比都很高:</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMZY5yLzeibVox0kCS2SbIpdA8Wtq4nBuCeESlibGZKB5eskia0eCicLyJHADKU1G99dfGxTI2rw7ZQ6ByBsYR4Sel9QPVq1vtdBVw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMZY5yLzeibVox0kCS2SbIpdA8Wtq4nBuCeESlibGZKB5eskia0eCicLyJHADKU1G99dfGxTI2rw7ZQ6ByBsYR4Sel9QPVq1vtdBVw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以真要二选一,</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >不用太纠结谁更好,关键还是看自己</span><span text >更关注哪方面的保障</span><span text >。</span></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >两款产品的具体保障细节,之前我都跟大家详细聊过了,今天就不再一一展开。</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >想了解详细保障,可以看看上面那篇文章,以及这篇:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504374&idx=1&sn=31d51b97cce88dc88c95ee6dade6e4ee&scene=21#wechat_redirect" textvalue="达尔文12号重疾险,值得买吗?附3档不同预算的方案对比" linktype="text">达尔文12号重疾险,值得买吗?附3档不同预算的方案对比</a></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >今天我主要说说它们各自比较突出的优势,大家根据自己的侧重点选就行。</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >超级玛丽17号:癌症保障做得更完整</span></span></span></section><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你比较关注</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症保障</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >,或者家里有癌症病史,我觉得超级玛丽17号可以重点看看。</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >为</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >什么?</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为它的癌症保障做得很完整,正常来说,</span><span text >重疾险</span><span text >是要等到确诊癌症,达到重疾赔付标准之后才能赔钱,但这一款不一样:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >还没得癌症之前,癌前病变可以赔;结节有专项关爱保障;真正患癌之后,还有癌症额外赔、特药等保障。</span></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >具体看一下:</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >第一,可选癌前病变手术关爱金</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOnj4iaEa2gwzwJVyN8cVicTIU8T4jTicz3ibiapZT53UKMpkEZDOymcAOficX6vPqTC3924y8tGibeK9E1d2DVXicXIOxh4Bk4hFogibFw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOnj4iaEa2gwzwJVyN8cVicTIU8T4jTicz3ibiapZT53UKMpkEZDOymcAOficX6vPqTC3924y8tGibeK9E1d2DVXicXIOxh4Bk4hFogibFw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >做了肺结节切除术、萎缩性胃炎伴肠上皮化生等6个癌前病变手术,</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >每次可以赔</span><span text >5%</span><span text >基本保额,累计最高赔</span><span text >30%</span><span text >基本保额</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如买了</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >50万保额</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >,切了肺结节,就能先赔</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >2.5万元</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span>很实用,</span><span><span text >相当于把癌症保障</span></span><strong><span><span text >往前挪了一步。</span></span></strong></section><p style="text-align: justify"><span><span text >而且这6种癌前病变,都是我们日常体检、临床中比较常见的高风险病变,</span></span><strong><span><span text >实际用到这项保障的概率还是比较高的。</span></span></strong></p><p style="text-align: center"><strong><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOTZib5Gkk0wiaTyMg3LTnlOaazpnTolybJpeDN4Y2FBcyvJNK5QLl3CQOTwC6uqqQrx3CZGPT61NMsibI4Zze8j4zy6byO0HncHw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D6" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOTZib5Gkk0wiaTyMg3LTnlOaazpnTolybJpeDN4Y2FBcyvJNK5QLl3CQOTwC6uqqQrx3CZGPT61NMsibI4Zze8j4zy6byO0HncHw/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=5&wx_lazy=1#imgIndex=6" alt="懂保爷测评配图" loading="lazy" /></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过这是</span><span text >附加责任</span><span text >,但价格不贵,</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >按照</span></span></strong><strong><span><span text >30岁、50万保额、30年缴费</span></span></strong><span><span text >来算:男性一年只需要</span></span><strong><span><span text style="color: rgb(235, 201, 0)">多交140元左右</span></span></strong><span><span text >,女性一年大约</span></span><strong><span><span text style="color: rgb(235, 201, 0)">多交300元</span></span></strong><span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >还是很建议大家加上的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第二,自带结节关爱保险金</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >超级玛丽17号针对现在体检中比较常见的</span></span><strong><span><span text >肺结节、乳腺结节和甲状腺结节</span></span></strong><span><span text >,都单独设计了关爱保险金。</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPyZGDaWsuIB13A81ME0dCCMLPcrpxOLWFXuXKfIHwlZZfBfXqlN05z3c4hPXG5BiadYfjtVJY8byYyMXqlrqtRafIyUL3OYtxg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPyZGDaWsuIB13A81ME0dCCMLPcrpxOLWFXuXKfIHwlZZfBfXqlN05z3c4hPXG5BiadYfjtVJY8byYyMXqlrqtRafIyUL3OYtxg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section dir="auto"><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >简单来说就是:</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >良性肺结节、乳腺结节或甲状腺结节</span><span text >先手术切除,手术满1年后,该部位再确诊重度恶性肿瘤,可</span><span text >额外赔付30%/15%/15%</span><span text >基本保额。</span></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >比如买了</span></span><strong><span ><span text >50万保额</span></span></strong><span ><span text >,如果肺结节手术后1年后确诊肺癌,除了正常的重疾赔付之外,</span></span><strong><span ><span text >还能额外多赔15万元</span></span></strong><span ><span text >。</span></span></strong></p></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以对于现在体检越来越普遍、结节越来越常见的情况来说,</span></span><strong><span ><span text >这项保障还是比较有针对性的。</span></span></strong></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第三,自带癌症拓展金</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPicaECjUfR1pM1RAmG8p48ibtJnMZfTTk3X11eKfGpDQIDMG2I5y72krvo0oKnWlqVHvsuZicdp4EDE1RpNqU8hXwKBwNolMOfHM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPicaECjUfR1pM1RAmG8p48ibtJnMZfTTk3X11eKfGpDQIDMG2I5y72krvo0oKnWlqVHvsuZicdp4EDE1RpNqU8hXwKBwNolMOfHM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果先确诊了癌症轻度或者原位癌,</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >后面又确诊重度癌症,还</span><span text >额外赔50%保额</span><span text >,也是很高的。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第四,可选癌症特药保险金</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOgI4CfTxPHVajrKictgHoZlL6grdPY8AjqicwXjxYoCI2PSzicWkaicpgC6oAiapUcMKYuwPsibcGlZL91MnI9bpxfEBG3MpvhWl8S8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOgI4CfTxPHVajrKictgHoZlL6grdPY8AjqicwXjxYoCI2PSzicWkaicpgC6oAiapUcMKYuwPsibcGlZL91MnI9bpxfEBG3MpvhWl8S8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >确诊重度恶性肿瘤,针对该癌症使用合同约定的特定抗癌药物,也</span><span text >额外赔付50%基本保额</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >比如说买了50万保额,不幸确诊肺癌,除重疾正常赔50万以外,使用约定癌症特药,还能再多赔25万,用来</span><span text >补贴昂贵的靶向药、免疫药费用</span><span text >,也很实用。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >不过这是需要花钱附加的,</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >我测算了一下,30岁,50万保额保终身的话,</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >男性要</span><span text style="color: rgb(235, 201, 0)">多花455块</span><span text >,女性要</span><span text style="color: rgb(235, 201, 0)">多花410块</span><span text >,不算便宜,大家按需加就行,也可以</span><span text >用百万医疗险替代</span><span text >。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外,超级玛丽17号还能附加癌症津贴,不过达尔文12号也可以,我就不展开了。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >总之,超级玛丽17号确实把癌症保障做得比较全面,</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >从癌前病变、结节,到确诊癌症后的额外赔和特药保障,基本形成了一套完整的保障链条,建议对癌症比较关注的朋友重点看这款。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text style="color: rgb(64, 34, 15)">二</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号:轻中症不分组,自带保障很实用</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >首先,达尔文12号相比超级玛丽17号,最大的亮点是:</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >轻症、中症不分组。</span></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNONcp1Fyibae2XcQt75MG9D6oVOZ3vGYDz9ePWFibwIwicYcnkyibrsTAwZUQvQEXGbliaTKZnWTCENXLlYSknL7dHXbicLL6FLOMdg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNONcp1Fyibae2XcQt75MG9D6oVOZ3vGYDz9ePWFibwIwicYcnkyibrsTAwZUQvQEXGbliaTKZnWTCENXLlYSknL7dHXbicLL6FLOMdg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >什么意思?</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >包括超级玛丽17号在内的</span></span><span ><span text >很多重疾险,</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >轻中症会把多种疾病分到同一个组别,只要赔过这个组里其中一种病,同组剩下的病以后就再也不赔了</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >而达尔文12号轻、中症不分组,</span></span><strong><span ><span text >只要不是同一种疾病,轻症、中症可以多次赔,不会因为赔了某一个病,就影响其他不同疾病的理赔</span></span></strong><span ><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >对于重疾险来说,这种设计非常实用,尤其是随着年龄增长,发生不同健康问题的概率也会增加,</span></span><strong><span ><span text >轻中症不分组,整体使用起来</span></span></strong><strong style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >会更灵活一些。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外,达尔文12号还</span><span text >自带</span></span><strong><span ><span text >住院津贴责任</span></span></strong><span ><span text >。</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOicZEGkjVLOibxuO9icVmm0ozTRewae6d0InbIicCsK1iaIl8gGK3uD3miaBKFLOonxsqUfDBtDDIkCsbicwSDS9GVDmuDiaTiaDsK4dtU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOicZEGkjVLOibxuO9icVmm0ozTRewae6d0InbIicCsK1iaIl8gGK3uD3miaBKFLOonxsqUfDBtDDIkCsbicwSDS9GVDmuDiaTiaDsK4dtU/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >60岁前没确诊重大疾病,60岁以后住院,可以按照</span><span text >0.1%的基本保额</span><span text >领取住院津贴,一年最高可以领90天。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >买50万保额的话,一天就有500块钱了,还是很不错的。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >尤其对于比较看重</span></span><strong><span ><span text >老年阶段住院保障</span></span></strong><span ><span text >的人来说,这项责任很有吸引力。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >还有一项自带责任,也很实用:</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >意外导致重疾,可以额外赔35%保额。</span></span></strong></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO9KDmre5R8PWoRWFliciaEMomyfF7U1lWdUvqulkpWLHWgtsMNJ7ZJAc1PjHRuWz4ngL0LVjDibUn3XjQqWmbvJjcXgTX6ibSza8k%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO9KDmre5R8PWoRWFliciaEMomyfF7U1lWdUvqulkpWLHWgtsMNJ7ZJAc1PjHRuWz4ngL0LVjDibUn3XjQqWmbvJjcXgTX6ibSza8k/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >比如买了</span></span><strong><span ><span text >50万保额</span></span></strong><span ><span text >,</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果因为意外导致了重大疾病,基础赔50万之外,</span></span><strong><span ><span text >还可以</span><span text >额外多赔17.5万</span></span></strong><span ><span text >,一共能赔到67.5万,很不错了。</span></span></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >所以其实我个人看达尔文12号,最大的感受就是它比较“</span><span text >实在</span><span text >”。</span></span></strong></p><p dir="auto" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >自带的这两项责任,</span><span text >都是比较容易用得上的,而且给的保障也比较足,不是看起来很花哨,但实际用处不大的那种责任</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >除此之外,达尔文12号还有个可选责任</span></span><strong><span ><span text >顶梁柱关爱金</span><span text >,</span></span><span ><span text >家里的主要经济支柱可以关注一下,可以</span></span></strong><strong><span ><span text >把重疾保额进一步做高。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >总之,如果你</span><span text >看重</span></span><strong><span ><span text >轻中症不分组</span></span></strong><span ><span text >,</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >希望同时带有一些</span></span><strong><span ><span text >住院保障和额外赔付</span></span></strong><span ><span text >,或者想针对家庭经济支柱,把重疾保额进一步做高</span><span text >,那么达尔文12号可以重点看看。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">三</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >总结一下</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >还是那句话,</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >这两款重疾险都很不错,怎么选主要还是看你更在意哪一块。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果你比较关注</span></span><strong><span ><span text >癌症保障</span></span></strong><span ><span text >,尤其是家里</span><span text >有癌症病史</span><span text >,</span></span><strong><span ><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >超级玛丽17号</span></span></strong><span ><span text >可以重点看看,癌症保障非常全面,</span></span><span ><span text >从癌前病变、结节,到确诊癌症后的额外赔和特药保障,基本形成了一套完整的保障链条</span></span><span ><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果你更看重</span></span><strong><span ><span text >轻中症不分组</span></span></strong><span ><span text >,希望有自带住院津贴、意外重疾额外赔这些比较实用的责任</span><span text >,</span></span><strong><span ><span text >达尔文12号</span></span></strong><span ><span text >会更合适。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >有需要的朋友,可以</span></span><strong style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >找我做个具体方案。</span></span></strong><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><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%2FiaZHDj9icvRXMHvbdnsxla2hGibyib9vLmbn2UFQmVCycFXqC7njJuXo6NFCeN0YiaU4NhibJ9PDraauHN58NbMvpvOORJMibvhy7f7HduOxwicIOJM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMHvbdnsxla2hGibyib9vLmbn2UFQmVCycFXqC7njJuXo6NFCeN0YiaU4NhibJ9PDraauHN58NbMvpvOORJMibvhy7f7HduOxwicIOJM/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外,我打包了我们认为从0到1理解保险,打破信息差,我们每个人需要全面知道的四项内容给大家:</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「成人重疾险」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNTibwSsNUibiajKmh2b2sa3SkD7YGWbdZWtuET27MzQwferqZuWPCQaQOanBBvU7f0rtibk7xICc5eVundMgzVkdVKEibzwgo6PAhI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNTibwSsNUibiajKmh2b2sa3SkD7YGWbdZWtuET27MzQwferqZuWPCQaQOanBBvU7f0rtibk7xICc5eVundMgzVkdVKEibzwgo6PAhI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >最新更新的2类7大保险榜单</span></span><span ><br /></span></p><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%2Fmmbiz_png%2FiaZHDj9icvRXPkev0JUwVibAzrd5V2aribzKUJcs5gSRzS6WfWSloKkJEyIT4qMpnldySge5VkJBX2sEq87ABoBNWcicVf9XQwNDgrvcAEUX4nEA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPkev0JUwVibAzrd5V2aribzKUJcs5gSRzS6WfWSloKkJEyIT4qMpnldySge5VkJBX2sEq87ABoBNWcicVf9XQwNDgrvcAEUX4nEA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" 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%2FiaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=11" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取,我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></p><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"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话,前面几篇重要文章可能也值得一看:</span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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