<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%2FiaZHDj9icvRXMianzyWbjVIK1wDvicBXicgrwGKia9S5qqyskeCmQ3QviclbiaKQ2zwA36LaPiawuiat8SV4RBstSISfiaFajcyILXbxm96UzYp4Hlpia1g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMianzyWbjVIK1wDvicBXicgrwGKia9S5qqyskeCmQ3QviclbiaKQ2zwA36LaPiawuiat8SV4RBstSISfiaFajcyILXbxm96UzYp4Hlpia1g/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">一晃距离上次6月重疾险榜单整理已经过去一个月了，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">7月不少产品都有了新变动。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">我把市面上主流的重疾险又全部重新测评了一遍，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">从保障责任、价格、癌症保障、少儿特疾、高发疾病覆盖等多个维度做了一轮筛选。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">最终留下了4款我认为这个月最值得大家重点关注的产品，其中包括2款成人重疾险和2款儿童重疾险：</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMZB50wPm5K8YGqunibWac5IgYMpCEj3Tj1siciboibZrKzER5CgQRfwZqibEib5I3Vwiae5ttY6gVoI3Qm0a7lyIAA12MJqsbmEGRA4s%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMZB50wPm5K8YGqunibWac5IgYMpCEj3Tj1siciboibZrKzER5CgQRfwZqibEib5I3Vwiae5ttY6gVoI3Qm0a7lyIAA12MJqsbmEGRA4s/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)">如果你最近正准备给自己、爱人或者孩子配置重疾险，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">希望这份7月榜单能帮你少走一些弯路。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">另外，如果你对重疾险还很陌生，可优先看这一篇文章：<a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247503668&idx=1&sn=179029a8fc9d1e734792afe6090e218b&scene=21#wechat_redirect" textvalue="重疾险到底怎么买？15个高频问题一次讲清" linktype="text">重疾险到底怎么买？15个高频问题一次讲清</a></span></p><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">一、成人重疾险榜单</span></span></h1><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">推荐2款：</span></h1><ul ><li style="color:#ff4f79"><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">复星联合：达尔文12号</span></span></p></li><li style="color:#ff4f79"><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">君龙人寿：超级玛丽16号Pro</span></span></p></li></ul><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPZMFOtibKtXF0qQO04Bs3zjhiaFsFjGH7ewK2m9Eor6BP725N9y5sYPhGu6P2GnSDIefTAtIpeNrcFe3kAqbps6vGJ7Jylicqw7c%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPZMFOtibKtXF0qQO04Bs3zjhiaFsFjGH7ewK2m9Eor6BP725N9y5sYPhGu6P2GnSDIefTAtIpeNrcFe3kAqbps6vGJ7Jylicqw7c/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 style="color: rgba(0, 0, 0, 0.9)"><span text >1）达尔文12号：高性价比“基础全能型”</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">如果只能给大多数普通家庭推荐一款重疾险，那达尔文12号基本就是优先级最高的一类。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">它的核心不是“某一项特别强”，而是三个字：</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >均衡稳</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)">。</span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">具体体现在：</span></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">① 基础保障结构完整，没有短板</span></span></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">重疾+中症+轻症全覆盖，</span></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">轻中症<span text >共赔7次</span>，且<span text >不分组</span>，<span text >意味着一种疾病理赔后，不会影响其他疾病继续获赔，</span><span text style="color: rgb(255, 79, 121)">保障体验更好</span><span text >。</span></span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">② 责任实用，不花哨但很关键</span></span></strong></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOP4OAgYCUbVN3HdfvGHAlGrMvEY8icFD1tlMd8r5nfwhNibDJGyUUlibDdnq7p2iafM5mBwgZqSAGWCkHPGhyhpQlUzn2OibJtDibmk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOP4OAgYCUbVN3HdfvGHAlGrMvEY8icFD1tlMd8r5nfwhNibDJGyUUlibDdnq7p2iafM5mBwgZqSAGWCkHPGhyhpQlUzn2OibJtDibmk/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 >达尔文12号自带了</span><span text style="color: rgb(255, 79, 121)">意外导致重疾额外赔35%、60岁后住院津贴以及被保人豁免责任</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >虽然数量不是最多，但都是比较实用、发生概率较高的保障。</span></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 >特别是</span><span text style="color: rgb(255, 79, 121)">住院津贴</span><span text >，可以补贴老年无收入期间的住院疗养成本，实用性很强。</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >可付费选的责任包括</span><span text style="color: rgb(255, 79, 121)">重疾多次赔、疾病关爱金、癌症津贴、</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">顶梁柱关爱金、重疾</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">保费补偿金</span><span text >等。</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)">这些都是“真用得上”的责任，而不是堆概念。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">另外说一下顶梁柱关爱金，还挺有特色的，很适合家庭支柱投保。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">③ 价格友好</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">以30岁人群、50万保额、终身保障来看，基础责任一年大概<span text style="color: rgb(255, 79, 121)">六千多</span>，属于<span text style="color: rgb(255, 79, 121)">主流性价比区间</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)">总之，</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号</span>可以说是普通人的“<span text style="color: rgb(255, 79, 121)">标准答案</span>”，</span><span style="color: rgba(0, 0, 0, 0.9)">就是那种“闭眼选不会错”的基础型重疾险~</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）超级玛丽16号Pro：癌症强化+治疗覆盖型</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)">如果说达尔文是“标准答案”，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">那超级玛丽16号Pro就是“进阶答案”。</span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">为什么这么说？</span></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">①</span></span><strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">中症赔付更高</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">中症赔总保额的<span text style="color: rgb(255, 79, 121)">75%</span>，在同类产品里属于偏高水平。</span></strong></h3><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"> <span text style="color: rgb(255, 79, 121)">② 结节有专属保障</span></span></strong></h3><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOOoib32G4hSkkUbDKKias0FruwLWA2IGnQCR6AZ1Ydum6dclcLIuBbSNQ4QgSSObgobFaibwxl1zNxm18kSnVna7yDI45obZibGes%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOOoib32G4hSkkUbDKKias0FruwLWA2IGnQCR6AZ1Ydum6dclcLIuBbSNQ4QgSSObgobFaibwxl1zNxm18kSnVna7yDI45obZibGes/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">针对肺结节、乳腺结节、甲状腺结节人群，它直接做了专属的责任设计：</span></strong></h3><ul><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">肺结节：良性切除手术可赔5%保额，术后若确诊肺癌，还能额外再<span text >赔40%保额</span>。</span></section></li><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">乳腺/甲状腺结节（2选1）：良性手术后1年，若确诊对应癌症，可<span text >额外赔付20%保额</span>。</span></section></li></ul><section style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span style="color: rgba(0, 0, 0, 0.9)">而且，它对肺结节、甲状腺结节、乳腺结节等<span text style="color: rgb(255, 79, 121)">异常体况</span>，对比行业也相对<span text style="color: rgb(255, 79, 121)">更宽松</span>：</span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FiaZHDj9icvRXNC2tEkIAgiaSx1wA7oarKic9iajzaBISzWn1NW5Puy3tTwrjn9sBmaOKwOo9xffCHuFibsV6nzIQtW2icIu1DDo3JoJX5eia35IaNicc%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/iaZHDj9icvRXNC2tEkIAgiaSx1wA7oarKic9iajzaBISzWn1NW5Puy3tTwrjn9sBmaOKwOo9xffCHuFibsV6nzIQtW2icIu1DDo3JoJX5eia35IaNicc/640?wx_fmt=jpeg&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"><strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">③ </span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">重疾后还有医疗费用支持</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">确诊重疾后，不只是一次性赔付，1825天内的住院/特殊门诊费用可以按<span text style="color: rgb(255, 79, 121)">100%报销</span>，累计最高赔<span text style="color: rgb(255, 79, 121)">50%保额</span>，能减轻长期治疗的经济压力。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">④可附加的癌症保障更细</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">不仅可以附加癌症津贴或者癌症多次赔，</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">还可以附加癌症重度特药治疗金，确诊癌症后用特定药物治疗，能<span text >额外赔65%保额</span>，把癌症治疗的关键环节覆盖得更周全。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">这些保障叠加在一起，能感受到</span><span style="color: rgba(0, 0, 0, 0.9)">超级玛丽16号Pro它不是单一的重疾赔付型产品，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而是把重疾发生后的“治疗费用+长期康复成本”尽可能打包覆盖的一类进阶方案。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">所以即使超级玛丽16号Pro的价格比达尔文12号贵个一两千，依旧还是非常值得推荐的一款产品~</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">它适合<span text style="color: rgb(255, 79, 121)">有预算，或者有结节、看重癌症保障以及重疾后治疗费用报销</span>的朋友~</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">最后总结一下，</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">如果你是<span text >健康体，预算有限，追求</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >基础保障全面、性价比高</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)">，达尔文12号是“闭眼选不出错”的稳妥选择；</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">如果你有<span text >结节等体况异常，或者对癌症保障、重疾后治疗支持有更高要求，愿意为更强的保障多付一点保费</span>，那超级玛丽16号Pro就是更适配你的 “进阶答案”。</span></p><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">二、少儿重疾险榜单</span></span></h1><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">推荐两款：</span></h1><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">北京人寿：大黄蜂17号全能版</span></span></h1><h1 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">招商仁和：青云卫6号</span></span></h1><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN2lVBSiaxaWJjbzPjcXdufUibapHlrsicADtaASpictB3Cl5rwKmd5vHZ27vpU0avMeSb1sKHTW2KbloavsjsIsGUjiaj75A6Vqyac%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN2lVBSiaxaWJjbzPjcXdufUibapHlrsicADtaASpictB3Cl5rwKmd5vHZ27vpU0avMeSb1sKHTW2KbloavsjsIsGUjiaj75A6Vqyac/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1）大黄蜂17号全能版：高性价比“儿童基础王者”</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">这款可以说是儿童重疾里的高性价比选择。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">理由主要是下面几点：</span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOSYnsd5TRgU5nicPdaia1Yib1AjofyWWtD47HSKXPwHzYYicGI5HeGBambM2UHeT8AJw6JGribqjIT2gNnNViaGXNVbOftkoyH3ErmE%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOSYnsd5TRgU5nicPdaia1Yib1AjofyWWtD47HSKXPwHzYYicGI5HeGBambM2UHeT8AJw6JGribqjIT2gNnNViaGXNVbOftkoyH3ErmE/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 style="color: rgb(255, 79, 121)">①自带保障很全面</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">白血病等特定疾病需要移植治疗，可以额外赔</span><span text style="color: rgb(255, 79, 121)">80%保额</span><span text style="color: rgb(0, 0, 0)">；原位癌发展成恶性肿瘤，还能额外赔</span><span text style="color: rgb(255, 79, 121)">100%保额</span><span text style="color: rgb(0, 0, 0)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">同时还覆盖了</span><span text style="color: rgb(255, 79, 121)">意外导致重疾、质子重离子治疗、自闭症、严重抑郁症</span><span text style="color: rgb(0, 0, 0)">等责任。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">尤其是少儿重度自闭症和严重抑郁症保障，在儿童重疾险里并不多见。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">加上</span><span text style="color: rgb(255, 79, 121)">18岁前重疾最高额外赔108%保额、保费补偿</span><span text style="color: rgb(0, 0, 0)">等设计，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">基本把儿童成长过程中常见的健康风险都考虑到了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">②灵活附加保障</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">可选保障包括</span><span text style="color: rgb(255, 79, 121)">癌症多次赔、重疾多次赔、住院津贴、疾病关爱金</span><span text style="color: rgb(0, 0, 0)">等，整体是围绕重疾保障进行补充扩展，</span>可以按需补强保障，搭配自由度很高。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">④价格友好</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">0岁儿童、50万保额、30年缴费，年交大概<span text style="color: rgb(255, 79, 121)">2000-3000左右</span>，挺便宜的了。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">总之，</span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)">大黄蜂17号全能版</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">保障很扎实、价格又便宜，性价比拉满</span>，普通家庭给孩子配置重疾险，这一款完全够用了~</span></strong></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）青云卫6号：少儿高发重疾“强化型”</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)">青云卫6号的保障逻辑非常清晰：</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">不是追求“更全面”，而是“更强化关键风险”，价格稍微贵点。</span></p><h3 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">核心优势在这几块：</span></h3><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">① 重疾种类更多</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">重疾137种，整体覆盖疾病数量相对更高点。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">② 白血病赔付更强</span></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMlIWHeA96szIRJicXxic6UpFBlk2ZNUr6fuHKHyFicqFjT6OHog0tiaUXnQG682uiceDsGhDp8etcQxm1o2bptdQdQDks2cIXicmnH4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMlIWHeA96szIRJicXxic6UpFBlk2ZNUr6fuHKHyFicqFjT6OHog0tiaUXnQG682uiceDsGhDp8etcQxm1o2bptdQdQDks2cIXicmnH4/640?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 style="color: rgb(0, 0, 0)">白血病骨髓移植直接额外赔</span><span text style="color: rgb(255, 79, 121)">100%保额</span><span text style="color: rgb(0, 0, 0)">，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">另外，骨髓移植之后，每个月还能领取2%保额的医疗津贴，累计最高</span><span text style="color: rgb(255, 79, 121)">48%</span><span text style="color: rgb(0, 0, 0)">。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(0, 0, 0)">针对儿童高发的白血病精准加码，从手术到术后康复层层兜底，安全感拉满了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">③ 儿童专项责任更丰富</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">除了白血病以外，青云卫6号还自带<span text style="color: rgb(255, 79, 121)">严重肥胖手术关爱金、甲状腺/中枢性早熟</span>的特定责任，儿童专项责任更丰富一些。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">另外，也有重疾增长金，</span><span><span text style="color: rgb(255, 79, 121)">18岁前重疾最高额外赔100%保额</span><span text style="color: rgb(0, 0, 0)">，也还不错。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text style="color: rgb(255, 79, 121)">④</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">灵活附加保障</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text style="color: rgb(0, 0, 0)">可选保障主要集中在</span><span text style="color: rgb(255, 79, 121)">癌症多次赔、重疾多次赔以及相关的疾病持续保障责任</span><span text style="color: rgb(0, 0, 0)">，同时也包含一定的</span><span text style="color: rgb(255, 79, 121)">住院及医疗补充类</span><span text style="color: rgb(0, 0, 0)">责任，自由选择，也很灵活。</span></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">⑤品牌背景更强</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">背后是招商仁和，央企背景，稳定性更强。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">更适合<span text style="color: rgb(255, 79, 121)">重视孩子特定疾病防护与保险公司实力</span>的家庭。</span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">也总结一下，</span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)">大黄蜂17号全能版保障全面、价格便宜，性价比很高，是<span text >普通家庭的入门优选</span>；</span></strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></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)">青云卫6号</span></strong><span style="color: rgba(0, 0, 0, 0.9)">强化白血病保障，特色责任足，加上央企背景，适合<span text >预算充足、看重专项保障与品牌实力</span>的家庭。</span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(255, 79, 121)">三、怎么选？再做个总结</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 >成人投保：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">健康体、预算有限，追求<span text style="color: rgb(255, 79, 121)">均衡性价比</span>，闭眼选</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)">，基础保障全面无短板，是最稳妥的标准答案；</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)">有结节体况、</span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)">看重癌症保障和</span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)">重疾后长期治疗保障，直接<span text style="color: rgb(255, 79, 121)">升级</span></span><strong style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><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)">，进阶保障、核保宽松，适配更高防护需求。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >儿童投保：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">普通家庭<span text style="color: rgb(255, 79, 121)">追求高性价比</span>、基础保障拉满，首选</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂17号全能版</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)">，保费亲民、责任全面，完全能覆盖孩子成长全周期风险；</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)">预算充足，想重点强化少儿高发重疾、尤其看重白血病专项保障，同时信赖大品牌稳定性，</span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >青云卫6号</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)">是<span text style="color: rgb(255, 79, 121)">进阶选择</span>。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后我想说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >本次7月精选的4款产品，覆盖了成人、儿童的基础刚需与进阶升级需求，大家可以根据自己的实际情况对号入座，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >需要我的任何帮助，都可以跟我聊一聊：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?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: center"><span ><span text >最后简单介绍一下自己：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >懂保爷成立于2018年，是行业头部的保险测评平台。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >正如我们的品牌logo形象，我们公正、正直。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >9年来始终站在客户角度，专业测评全网100多家机构的1000多款产品，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >我们努力找出高性价比的好产品，帮大家省钱买到好保险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >因为我们团队都是一批坚持长期主义的小伙伴，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >我们已在全网积累了1000多万关注保险知识的粉丝；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >我们已累计为10万多组家庭提供了完整的家庭保障规划方案；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >已协助800多家庭完成大大小小的理赔案；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >专业的「家庭保障规划师」和「理赔协助金牌客服」是我们团队的骄傲！</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >我们以成就广大中国家庭的安心生活（病有所医、老有所养、财有所增）为使命，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span text >致力于健康长久地陪伴客户。</span></span></p><p ></mp-style-type></p>
