<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%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwcotwvIbTWp5cuacZlVpGnRpicwYOY6z7q3CHZ7o9Pic7tC2Ygia63YZY9ew%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsuG23UHJfwADKCicwnqWwcotwvIbTWp5cuacZlVpGnRpicwYOY6z7q3CHZ7o9Pic7tC2Ygia63YZY9ew/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><p style="text-align: center"><span style="text-align: center; color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><span ><br /></span><br /></p><p ><span >自11月5日「重疾险新规」落地以来，大家最好奇的应该就是：</span></p><p ><span > </span></p><p ><span style="color: rgb(33, 89, 103)">新规下的重疾险究竟好不好？值不值得买?</span></p><p ><span > </span></p><p ><span >现在，答案有了。</span></p><p ><span > </span></p><p ><span >近期<strong>横琴人寿</strong>拔得头筹，推出了第一款“新定义重疾险”——<strong>粤港澳大湾区重疾险</strong>。</span></p><p ><span > </span></p><p ><span >那么，新规下的重疾险到底怎么样呢？</span></p><p ><span > </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、重疾险新规</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >关于重疾险新规，我们做过总结 ▼：</span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZ2Za6xhNNUV6LvPwg3VUPkrciaQJZjJ5ibmtEcvK6XXttCpOH2YYnxyQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztJttWP60pjgwiaRibXkia1EicBZ2Za6xhNNUV6LvPwg3VUPkrciaQJZjJ5ibmtEcvK6XXttCpOH2YYnxyQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >更多重疾险新规详情，大家可以看下面这篇文章 ▼：</span></p><p ><span > </span></p><p ><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790653&idx=1&sn=586f971910eeab4acbb5bf36d01a0e5b&chksm=b2b0757f85c7fc69097c7b5b5a6fc58627c34b17dfe44c9cadf8f180aef999d3bb3d9eee30ab&scene=21#wechat_redirect" tab="innerlink">定了！重疾险新规发布，所有旧规重疾险都将买不到了！</a><br /></span></p><p ><span > </span></p><p ><span >总结下来就是：</span></p><p ><span ><strong><br /></strong></span></p><p ><span ><strong>对行业来说，是好事；对投保人来说，不见得。</strong></span></p><p ><span > </span></p><p ><span >因为重疾险新规并没有保障责任上的提升<span style="color: rgb(127, 127, 127)">（新增的几种疾病旧规产品同样保障）</span>，</span></p><p ><span > </span></p><p ><span >反而降低了轻症赔付比例、降级了高发癌症甲状腺癌、把原位癌从轻度恶性肿瘤里踢了出去…</span></p><p ><span > </span></p><p ><span style="color: rgb(136, 136, 136)">当时就建议大家尽量选择投保旧定义重疾险，因为重疾险新定义对投保人来说不算友好。</span></p><p ><span ><br /></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 >二、首款新定义重疾险的产品详情</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >说起来，横琴这「<strong>粤港澳大湾区重疾险</strong>」还是比较有背景的。</span></p><p ><span > </span></p><p ><strong><span >粤港澳大湾区</span></strong><span >由香港、澳门和广东省广州、深圳、珠海、佛山、惠州、东莞、中山、江门、肇庆组成，在国家发展大局中具有重要战略地位。</span></p><p ><span > </span></p><p ><span style="color: rgb(136, 136, 136)">银保监会对粤港澳大湾区同样重视，前段时间还发布了《关于推进粤港澳大湾区人身保险产品有关工作的通知》。</span></p><p ><span > </span></p><p ><span style="color: rgb(127, 127, 127)">允许保险产品按照粤港澳大湾区专属<strong>重疾经验发生率表</strong>定价，产品也能附加专属大湾区重疾责任。</span></p><p ><span > </span></p><p ><span >因此，这次新定义重疾险让粤港澳大湾区先试点，也算是顺应战略趋势了。</span></p><p ><span > </span></p><p ><span >背景讲完，直接看产品<span style="color: rgb(127, 127, 127)">（粤港澳大湾区重疾险分为A、B两款）</span>▼：</span></p><p ><br /></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwco5rZnXny3q9t7ibdmWxvjTicVjkL315KxRolbNb9V9iayraPfeVPDMkp0Q%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuG23UHJfwADKCicwnqWwco5rZnXny3q9t7ibdmWxvjTicVjkL315KxRolbNb9V9iayraPfeVPDMkp0Q/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span ><strong><strong >粤港澳大湾区重疾险</strong>A</strong><strong>款</strong>纯属打酱油，保障就是照着重疾险新规抄的，</span></p><p ><span > </span></p><p ><span >28种重疾+3种轻症，8种大湾区特疾，轻症最高30%赔付，然后没了…</span></p><p ><span > </span></p><p ><span >因此，我们主要看看比较贴合当前产品责任的<strong>B款</strong>，特点如下：</span></p><p ><span > </span></p><ul ><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">前10年患重疾额外赔付80%保额；</span></section></li><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">患8种大湾区高发重疾，额外赔付50%保额；</span></section></li><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">18-61岁间，患16种特定疾病，额外赔付50%保额；</span></section></li><li style="color: rgb(136, 136, 136)"><section ><span style="color: rgb(136, 136, 136)">61岁后，患8种老年特定疾病，额外赔付50%保额。</span></section></li></ul><section ><span > </span></section><section ><span >8种大湾区专属高发重疾是：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwcoTEtolWFTD3ia7y01x7ariauBticREgHWiaiciaRn2d7qbhQhhJXVxxL7vUag%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuG23UHJfwADKCicwnqWwcoTEtolWFTD3ia7y01x7ariauBticREgHWiaiciaRn2d7qbhQhhJXVxxL7vUag/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >以及16种特定疾病和8种老年疾病：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwcoCwzfNwK7TtdiaE5P8T8X9OaAAl3IpUpHdZic8PE0UrDiaay4pQuXObQAw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuG23UHJfwADKCicwnqWwcoCwzfNwK7TtdiaE5P8T8X9OaAAl3IpUpHdZic8PE0UrDiaay4pQuXObQAw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><strong><span >经过确认，这些确实都是发病率较高、契合大湾区人民生活常态的疾病。</span></strong></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">不说别的，这种按地区、年龄特点来设计的保险还是人性化的，目前很少有保险会这样设计。</span></section><section ><span > </span></section><section ><span ><strong>前10年</strong>患重疾赠送80%保额，这个赠送年限太短，现规下大部分重疾险都是60岁前得重疾赠送80%。</span></section><section ><span > </span></section><section ><span >轻症赔付被限制到<strong>30%保额</strong>，<span >现规下</span><span >大部</span><span >分重疾险的轻症赔付达到45%甚至更高</span>。</span></section><section ><span > </span></section><section ><span >不过比起“磕碜”的A款，B款在重疾/中症/轻症数量上倒是有“量的提升”，</span></section><section ><span > </span></section><section ><strong><span >为什么是“量的提升”而非“质的提升”，在后面会详细说。</span></strong></section><section ><span > </span></section><section ><span >那么新产品就看到这里，接下来我们直接快进到对比评测环节。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">毕竟没有对比，就算看1款产品看出花来，也不会知道到底好不好使。</span></section><section ><span > </span></section><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 >三、新/旧定义重疾险对比评测</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >我们把新定义重疾险「粤港澳大湾区重疾险A/B款」<span style="color: rgb(127, 127, 127)">（主要看B款）</span>与当前高性价比重疾险做个对比，如图：</span></section><section ><span > </span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwcoQe2wOFibaLONwuvON0VpZQXmOwz59SHic98gbTYlbYWo2laibHQ8g2Zrw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuG23UHJfwADKCicwnqWwcoQe2wOFibaLONwuvON0VpZQXmOwz59SHic98gbTYlbYWo2laibHQ8g2Zrw/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></section><section ><span > </span></section><section ><span >直接说结论：</span></section><section ><span > </span></section><ul ><li ><p><span ><span style="color: rgb(33, 89, 103)">从重疾赔付次数上来看：</span>守卫者3号可以不分组赔付2次，而达尔文3号以及粤港澳大湾区重疾险B款都是只能赔1次；<br /></span></p></li></ul><p><br /></p><ul ><li ><section ><span ><span style="color: rgb(33, 89, 103)">从轻/中症保障上看：</span>达尔文3号是最优秀的，赔付保额高，原位癌及特定心血管疾病可以赔2次，其次是守卫者3号，而大湾区重疾险无论A/B款都垫底；</span></section></li></ul><p><br /></p><ul ><li ><section ><span ><span style="color: rgb(33, 89, 103)">从赠送保额上看：</span>和前面一样，达尔文3号60岁前患重症赠送80%保额最高，守卫者3号次之，大湾区重疾险B款看似赠送80%保额，但只有前10年送，很苛刻；</span></section></li></ul><p><br /></p><ul ><li ><section ><span ><span style="color: rgb(33, 89, 103)">从保费价格上看：</span>捆绑身故的大湾区重疾险价格简直是“高不可攀”，甚至能买2份不捆绑身故的重疾险了。</span></section></li></ul><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">重疾险不推荐捆绑身故，不但贵，保障也不好，详情看这里：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=1&sn=265d8f7c58bc1fa24061b89ec323144d&chksm=b2b077ab85c7febdbf041d27390c4dd426f9e9aa560d5e9789c6b294863ab0c21c2b313a8f1d&scene=21#wechat_redirect" tab="innerlink">买重疾险时，到底要不要选「身故」呢？</a></span><span ><br /></span></section><section ><span ><br /></span></section><section ><strong><span >这还只是明面数据，在一些隐性保障上，新定义重疾险更是尴尬。</span></strong></section><section ><span > </span></section><section ><span >例如最高发的癌症<strong>I期甲状腺癌</strong>，大湾区重疾险是当作轻症赔的，</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">即旧定义重疾险原本能赔100万的病，现在只能赔30万。</span></section><section ><span > </span></section><section ><span >还有一点挺致命的，作为超高发轻症的<strong>原位癌不保了</strong>，不保了…</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuG23UHJfwADKCicwnqWwcogW7znianP8908ibpwUPmGiaruVZArqS9KicDjJRV2v4RXtoiaNh1J10wGWw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuG23UHJfwADKCicwnqWwcogW7znianP8908ibpwUPmGiaruVZArqS9KicDjJRV2v4RXtoiaNh1J10wGWw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">原本以为保险公司会给原位癌一个新的“名分”继续保，没想到还真踢出去了…</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">这也是前面为什么说粤港澳大湾区重疾险B款是“<strong>量的提升</strong>”而非“<strong>质的提升</strong>”的原因，</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">对保障疾病的重疾险来说，高发疾病就那几种，结果有一些你还不保。</span></section><section ><span style="color: rgb(0, 0, 0)"> </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>因此，综合以上来看：</strong></span></section><section ><span > </span></section><section ><span >粤港湾大湾区重疾险明显就是<strong>不中看也不中用</strong>的重疾险典范，</span></section><section ><span > </span></section><section ><span >不管是保障、保费，都比目前最好的一批旧规重疾险差得多，基本没有性价比可言。</span></section><section ><span > </span></section><section ><span >所以还在纠结买新定义还是旧定义重疾险的朋友，现在完全不用纠结了。</span></section><section ><span > </span></section><section ><strong><span >旧定义重疾险的优势实在太大了。</span></strong></section><section ><span > </span></section><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 >四、关于新定义重疾险的一些想法</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >首先要肯定一点，<strong>重疾险新定义的初衷是好的</strong>。</span></section><section ><span > </span></section><section ><span >毕竟相比旧定义，确实有所提升和规范。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">那为什么会有现在这种新定义重疾险反而不如旧定义的情况？</span></section><section ><span > </span></section><section ><span >其实这点不难理解，<strong>重疾险新定义更新得太晚了</strong>，长达<strong>13年</strong>没更新过…</span></section><section ><span > </span></section><section ><span >而重疾险市场，在这13年里，已经发生了日新月异得变化。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">保险公司也要吃饭的，如果今年的产品更新相比去年没有提升，谁会买呢？</span></section><section ><span > </span></section><section ><span >每年提升一点，13年也能达到一个保障非常全面的地步，</span></section><section ><span > </span></section><section ><strong><span >换句话说，现在的旧定义重疾险已经是一个趋于成熟的重疾险形态了。</span></strong></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">如果新定义是按照当前最好的旧定义重疾险来制定，相信新定义重疾险会很吃香。</span></section><section ><span > </span></section><section ><span >只可惜，一个行业规范的制定，<strong>需要考虑整个行业的发展，以及行业巨头的声量</strong>。</span></section><section ><span > </span></section><section ><span >而目前中国的保险行业，真正好的产品还是太少了，尤其在线下，大家应该有所了解。</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">在很多人都不知道高保额重疾险一年只要几千、轻症可以赔50%的情况下，</span></section><section ><span style="color: rgb(127, 127, 127)"> </span></section><section ><span style="color: rgb(127, 127, 127)">哪能指望新定义一下子跳跃到目前最好的形态呢？</span></section><section ><span > </span></section><section ><strong><span >因此，对于还有2个月就全线下架的旧定义重疾险们，只能说且买且珍惜。</span></strong></section><section ><span > </span></section><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 >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >其实吧，<strong>最值得庆幸的是，新定义重疾险上线的比较早</strong>。</span></section><section ><span > </span></section><section ><span >总算没等到2021年1月31号（旧定义重疾险全部停售日）之后才发布，不然好多人都得纠结死。</span></section><section ><span > </span></section><section ><span >毕竟虽说新定义重疾险没多好，但看不到具体产品，还是很难说服自己的。</span></section><section ><span > </span></section><section ><span >幸好，横琴人寿给了一颗大大的“定心丸”，告诉我们新定义重疾险真的没旧定义好。</span></section><section ><span > </span></section><section ><span ><strong>趁着旧定义重疾险还没全部下架，赶紧上这最后一班车吧。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span ><strong>至少先买一部分，例如打算买50万保额重疾险，纠结买新规旧规的朋友可以先买30万的旧规。<br /></strong></span></section><section ><span > </span></section><section ><span >错过了，就真没了。</span></section><section ><br /></section><section ><span >文章中提到的重疾险都能在“<strong >懂保爷</strong>”公众号“<strong >精选保险</strong>”菜单，或点击文末“阅读原文”找到查到评测详细了解、在线投保。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><br /></section><section ><span ><span style="color: rgb(123, 127, 131)">投保后的理赔等保单服务都可第一时间联系保爷团队，我们提供专业协助服务</span><span style="color: rgb(123, 127, 131)">。</span></span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >大家如果有疑问，可通过</span></strong></span><span style="color: rgb(33, 89, 103)"><strong ><span >懂保爷公众号“1对1咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >预约</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >1对1专属老师提供专业保险咨询规划服务。</span></strong></section><section ><br /><span >相</span><span >关阅读：<br /></span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790653&idx=1&sn=586f971910eeab4acbb5bf36d01a0e5b&chksm=b2b0757f85c7fc69097c7b5b5a6fc58627c34b17dfe44c9cadf8f180aef999d3bb3d9eee30ab&scene=21#wechat_redirect" tab="innerlink" ><span >定了！重疾险新规发布，所有旧规重疾险都将买不到了！</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=1&sn=265d8f7c58bc1fa24061b89ec323144d&chksm=b2b077ab85c7febdbf041d27390c4dd426f9e9aa560d5e9789c6b294863ab0c21c2b313a8f1d&scene=21#wechat_redirect" tab="innerlink" ><span >买重疾险时，到底要不要选「身故」呢？</span></a><br /></section><section ><br /></section><section ><span ><br /></span></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><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)">做硬核保险评测、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 > <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>
