<section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><br /></section><p style="color: rgb(51, 51, 51)"><br /></p><section ></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span ></span></section><section style="text-align: center"><span >为什么买保险的时候不问健康情况？</span></section><section style="text-align: center"><span >理赔的时候却查病史？</span></section><section style="text-align: center"><span >因为保险公司精明着呢</span></section><section style="text-align: center"><span >这叫宽进严出</span></section><section style="text-align: center"><span >但是也是有原因的</span></section><section style="text-align: center"><span >首先，你想啊</span></section><section style="text-align: center"><span >如果谁买保险的时候都要查一下病史</span></section><section style="text-align: center"><span >那成本要多高啊</span></section><section style="text-align: center"><span >这么不划算的事情</span></section><section style="text-align: center"><span >保险公司才不会做</span></section><section style="text-align: center"><span >第二呢，因为保险公司也不是慈善机构</span></section><section style="text-align: center"><span >是要赚钱的</span></section><section style="text-align: center"><span >那么高的调查成本</span></section><section style="text-align: center"><span >最后肯定要羊毛出在羊身上</span></section><section style="text-align: center"><span >把每份保险的保费都提高</span></section><section style="text-align: center"><span >但是保费提高了</span></section><section style="text-align: center"><span >你还会买吗？</span></section><section style="text-align: center"><span >所以说</span></section><section style="text-align: center"><span >保险公司就会选择在你投保的时候不查</span></section><section style="text-align: center"><span >理赔的时候严查</span></section><section style="text-align: center"><span >那我们该怎么办呢</span></section><section style="text-align: center"><span >别担心，做好这几点就行了</span></section><section style="text-align: center"><span >1、投保前如实回答健康告知</span></section><section style="text-align: center"><span >如果自己拿不准</span></section><section style="text-align: center"><span >可以申请核保</span></section><section style="text-align: center"><span >通过后再投保</span></section><section style="text-align: center"><span >2、千万不要把自己的医保卡</span></section><section style="text-align: center"><span >借给他人买药或者看病</span></section><section style="text-align: center"><span >不然他的一些问题就记录在你名下了</span></section><section style="text-align: center"><span >到时候有苦说不出</span><br /></section><section style="text-align: center"><span ><br /></span></section><section style="color: rgb(51, 51, 51)"><span ></span></section><p style="color: rgb(51, 51, 51); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><span ></span></p><h2 style="color: rgb(51, 51, 51)"><span >最后保爷来分享下保爷研究了几百个保险后吐血整理出来的【保险指南】，看完保证能帮你省钱50%避坑100%！</span></h2><section ><span ><br /></span></section><h2 style="color: rgb(51, 51, 51)"><strong style="color: rgb(33, 89, 103)">指南目录</strong><br /></h2><p><br /></p><section style="color: rgb(51, 51, 51)"><span >一、家庭投保四大基本原则</span></section><section style="color: rgb(51, 51, 51)"><span >二、四大保障型保险简介</span></section><section style="color: rgb(51, 51, 51)"><span >三、保险方案（儿童、中年人、父母）</span></section><section style="color: rgb(51, 51, 51)"><span >四、买保险前不可不知的</span><span >10大问题</span></section><section style="color: rgb(51, 51, 51)"><span >五、添加保爷微信一对一咨询</span></section><section style="color: rgb(51, 51, 51)"><span >六、私人定制家庭保险方案</span><span ><br /></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >一、家庭投保四大基本原则</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则1：先自己后小孩再父母</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则2：先保障后理财</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则3：单点不要套餐</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则4：先保额后其他</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >二、保障型4大保险简介</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span >从保障的角度，保险分为四大类：<strong ><span >重疾险、定期寿险、意外险、医疗险</span></strong><span >。</span></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >重疾险：</strong></span><span >一旦</span><strong >确诊</strong><span >合同约定的重大疾病，达到赔付标准，</span><strong >一次性</strong><span >获得保险公司几十万赔偿。主要用于弥补患大病后不能工作导致的收入损失，大病必备。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >医疗险：</strong></span><span >是我们最熟悉、接触最多的，它和基本医保一样，是报销型保险，就是先看病，花了多少钱，凭发票报销。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >定期寿险：</strong></span><span >保障责任很简单，就是保障身故和全残，如果身故/全残了，就获得保额赔偿。若是</span><strong >家庭经济支柱</strong><span >或者有</span><strong >房贷</strong><span >的朋友，建议投保一份。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >意外险：</strong></span><span >保障意外医疗、意外伤残和意外身故，价格低、保额高，所以杠杆非常高。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span ><strong ><span >这4类保障型保险配置完后，如果还有预算，才可以考虑理年金险、分红险、万能险等理财类保险，千万不要本末倒置了。</span></strong></span><br /></section><section style="color: rgb(51, 51, 51)"><span ><strong ><span ><br /></span></strong></span></section><section style="text-align: center; color: rgb(51, 51, 51)"><span >......</span><br /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span >完整版<strong >保险指南</strong>请点击左下角“<strong >阅读原文</strong>”查看。</span><br /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: center; color: rgb(51, 51, 51)"><span >— </span><strong >END </strong><span >—</span></section><section style="text-align: center; color: rgb(51, 51, 51)"><span ><strong style="color: rgb(33, 89, 103)">愿你家的保单永不出险！</strong></span><br /></section><section style="color: rgb(51, 51, 51)"><br /></section><section style="color: rgb(51, 51, 51)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><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)"><span style="color: rgb(33, 89, 103)" yahei="yahei" sans="sans" break-word="break-word" px="px" none="none" normal="normal" ui="ui" gb="gb" sc="sc" neue="neue" mp-quote="mp-quote" left="left">省钱避坑</span>保险指南</span></span></section>
