<section ><br /></section><section ><section ><br /></section></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztbpn1A8Hen75icsoPhkqMJ95zzluDKDhtcibEwZpKI04ZlXlSLfgp35rHLxH4f3QDGJcOLG1nJVnEg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztbpn1A8Hen75icsoPhkqMJ95zzluDKDhtcibEwZpKI04ZlXlSLfgp35rHLxH4f3QDGJcOLG1nJVnEg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >大家好，我是保爷。</span></section><section ><span > </span></section><section ><span >今年3月，保爷评测过两款很有特色的多次赔付重疾险：</span></section><section ><span > </span></section><section ><span >一款是身故责任不捆绑的<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787655&idx=1&sn=7ced0587dca22e659ea4c694d67d5e78&chksm=b2b061c585c7e8d3f5e3ee86e35dbcead368cad8622b015a32909cfbcbadd1883c37c3e7d8b6&scene=21#wechat_redirect" textvalue="守卫者3号" tab="innerlink"><strong>守卫者3号</strong></a>，另一款是中轻症保障非常强的<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787727&idx=1&sn=fb5f52b2972ad0aa37a60397212b861f&chksm=b2b0618d85c7e89bab8f7e70985cb00318afb8fa62b702700b29d9edbdf57ed917eae893b432&scene=21#wechat_redirect" textvalue="如意人生" tab="innerlink"><strong>如意人生</strong></a>。</span></section><section ><span > </span></section><section ><span >其中，不捆绑身故责任、又极具性价比的守卫者3号无疑是焦点所在。</span></section><section ><span > </span></section><section ><span >长江后浪推前浪。</span></section><section ><span > </span></section><section ><span >现在，“后浪”来了，百年人寿携<strong>百惠保</strong>崭新登场。</span></section><section ><span ><br /></span></section><section ><span >百年人寿这家保险公司真是个弄潮儿，推出了好多款网红重疾险，例如之前的康惠保旗舰版、康惠保2020、超倍保等。<br /></span></section><section ><span ><br /></span></section><section ><span >今天保爷就带大家来评测下百惠保这款新网红重疾险。</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>一、重疾险基础科普</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >老规矩，考虑到可能有些朋友是保险小白。</span></section><section ><span > </span></section><section ><span style="color: rgb(0, 0, 0)">保爷先带大家了解一下<strong>重疾险的概念</strong>、<strong>配置等级</strong>（老朋友可快速滑过这段）。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的定义</strong></span></section><section ><span > </span></section><section ><span >重疾险：一旦<strong>确诊</strong>合同约定的重大疾病，达到赔付标准，<strong>一次性</strong>获得保险公司几十万赔偿。</span></section><section ><span style="color: gray"> </span></section><section ><span style="color: gray">重疾险是<strong>长期型保险</strong>，并且一般推荐选择保障<strong>终身</strong>，因为越到后面，患大病的概率越大。</span></section><section ><span style="color: gray"> </span></section><section ><span style="color: gray">重疾险是4类保障型保险（重疾险、意外险、医疗险、定期寿险）中保费占比最高的，达到总保费的80%左右。</span></section><section ><span style="color: gray"> </span></section><section ><span style="color: gray">所以买保险主要就是买重疾险，大家在研究重疾险上花的时间也是最多的。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的配置等级</strong></span></section><section ><span > </span></section><section ><span >保爷根据<strong>重症、轻症、中症、身故、癌症多次、重症多次（分组、不分组）</strong>这6大保障内容的搭配组合将重疾险分为10个等级。</span></section><section ><span > </span></section><section ><span >每个等级后面，保爷都找到一款典型代表产品，10级为最高配置<span style="color: gray">（并不是配置越高越适合你哦）</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuxFus02D0uHQWFfGzsnmq55BGqtftCt0BjcJrkh71Odog94KsKEJx0f6ZLoaw4e5Xx0n4P2ZGhQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuxFus02D0uHQWFfGzsnmq55BGqtftCt0BjcJrkh71Odog94KsKEJx0f6ZLoaw4e5Xx0n4P2ZGhQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >今天的主角“百惠保”处于第9等级，基本代表了当前重疾险能达到的最高保障水准。</span></section><section ><span > </span></section><section ><span >当然了，第9等级也不代表我们投保时这些保障内容就全都必须要。</span></section><section ><span > </span></section><section ><span style="color: gray">例如百惠保的身故保障没有捆绑，我们投保时可以不选身故保障，这对预算有限的朋友来说是个利好。</span></section><section ><span style="color: gray"><br /></span></section><section ><span style="color: gray">保爷一再强调过，投保重疾险时不建议加上身故保障，身故建议通过定期寿险去保障，这样搭配配置性价比更高、更划算。</span></section><section ><span style="color: gray"><br /></span></section><section ><span style="color: gray">具体可以看下这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink">投保重疾险时，到底要不要选「身故」保障？</a></span></section><section ><span > </span></section><section ><span >重疾险相关概念保爷就说到这里，下面我们直接来看百惠保的保障责任。</span></section><section ><br /></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>二、百惠保的保障责任</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >产品责任详情如下：<br /></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsM4FTekXNtalCRyYF3NVFSgTgviadv1BbFsJn5HWvqYhzbNmgKnibg7vCaH8WMjSuoRuHvH4Bb56RA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsM4FTekXNtalCRyYF3NVFSgTgviadv1BbFsJn5HWvqYhzbNmgKnibg7vCaH8WMjSuoRuHvH4Bb56RA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><br /></section><section ><span >百惠保的一大特色就是<strong>自带癌症二次赔付</strong>，不像其他产品要额外附加。</span></section><section ><span ><br /></span></section><section ><span >大家要知道，癌症是最高发的重疾，想要重疾多次赔付的朋友，首先要的应该是癌症的多次赔付。<br /></span></section><section ><span ><br /></span></section><section style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczticYVkqtTXusn3Z5dbzrIpRQDu6CQYYticq65ERq1ib2N6hUUnRztMDQyvFA01dQ11mvDD9hu6M0XVQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczticYVkqtTXusn3Z5dbzrIpRQDu6CQYYticq65ERq1ib2N6hUUnRztMDQyvFA01dQ11mvDD9hu6M0XVQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></section><section ><span ><br /></span></section><section ><span >一般的多次赔付重疾险，如果没有附加癌症多次赔付，癌症是只赔付一次的。</span></section><section ><span ><br /></span></section><section ><span ><strong>所以保爷之前一直强调：买多次赔付重疾险，一定要附加上癌症多次赔付，否则还不如单次赔付重疾险加上癌症多次赔付。</strong><br /></span></section><section ><span ><br /></span></section><section ><span >百惠保自带癌症二次赔付，可以有效的规避掉这个问题，避免大家买错。</span></section><section ><span > </span></section><section ><span style="color: rgb(0, 0, 0)">除了自带癌症二次赔付，它的基础保障责任，例如60岁前得重疾额外赔付60%等都是当前的顶尖水平。</span></section><section ><span ><strong><span style="color: rgb(0, 0, 0)"><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">此外，除了轻症、中症、重症，它</span><span style="color: rgb(0, 0, 0)">还拓展了12种前症责任，前症的意思就是重大疾病前的高风险疾病：</span><br /></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsM4FTekXNtalCRyYF3NVFSlznGmBVbTicLTnicW6kkGdZMDJfHpmibtc8uvvz8qOd4NMSvpvkcyrFtg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsM4FTekXNtalCRyYF3NVFSlznGmBVbTicLTnicW6kkGdZMDJfHpmibtc8uvvz8qOd4NMSvpvkcyrFtg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span > </span></section><section ><span style="color: rgb(0, 0, 0)">一旦患上以上12种前症可以获得15%的保额赔付。</span></section><section ><span style="color: rgb(136, 136, 136)"> </span></section><section ><span style="color: rgb(0, 0, 0)">前文有提到，百惠保的身故责任是不捆绑的，这也是一大特色。</span></section><section ><span style="color: rgb(0, 0, 0)"><strong><span ><br /></span></strong></span></section><section ><span style="color: rgb(0, 0, 0)">要知道过去多次赔付重疾险之所以价格居高不下，一大原因就是强行捆绑身故责任。</span></section><section ><span > </span></section><section ><span >在守卫者3号开了一个好头，把身故责任做到可选后，现在新品也基本可以做到不强制捆绑身故责任了。</span></section><section ><span > </span></section><section ><span >虽然目前不捆绑的产品不多<span style="color: gray">（也就守卫者3号、百惠保等几款）</span>，但已经成为多次赔付重疾险的一大趋势。</span></section><section ><br /></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>三、高发轻症对比</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >买重疾险一定要看它的轻症责任，因为25种高发重疾是由银保监会统一定义的，但轻症没有明确的规范。</span><br /></section><section ><br /></section><section ><span >这就给了很多保险公司浑水摸鱼的空间：</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">就好比有2款重疾险，A款可保30种轻症，赔付3次，每次50%保额；</span><span style="color: rgb(136, 136, 136)">B款可保100种轻症，可赔6次，每次可赔付80%保额。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">表面来看B款重疾险太好了对不对？</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">但如果它的轻症种类没一个高发的，而A款就包含高发轻症，那就算B款轻症能赔付100%保额也没有A款好。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">因为它赔付次数再多、赔付比例再高，对被保人来说也很难用得上。</span></section><section ><br /></section><section ><span >保爷调研了大量疾病数据，咨询了专业医生，总结出了以下常见的11种高发轻症：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsuxFus02D0uHQWFfGzsnmqNWvzgFmINBaicLMrM9abv1Q6oH5kYZKcoT659r67e8C4qP7YVIJlH4A%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsuxFus02D0uHQWFfGzsnmqNWvzgFmINBaicLMrM9abv1Q6oH5kYZKcoT659r67e8C4qP7YVIJlH4A/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><strong><span >如果一款产品的轻症保障没有这些高发疾病 ，那意味着这款保险有坑，一般不建议投保。</span></strong></section><section ><br /></section><section ><span >至于百惠保，我们在表中可以看到，它并没有在轻症责任上偷奸耍滑，11种高发轻症都是包含的。</span></section><section ><span ><br /></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>四、对比评测</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >说完百惠保的特色保障责任，</span></section><section ><span > </span></section><section ><span >接下来我们把它和当前热销的多次赔付重疾险一起对比下。</span></section><section ><span > </span></section><section ><span >当下高性价比的多次赔付重疾险有5款，分别是：</span></section><section ><span > </span></section><ul ><li ><section ><span >守卫者3号：<span style="color: gray">最具性价比的多次不分组赔付重疾险，不捆绑身故责任，第一推荐</span></span></section></li><li ><section ><span >倍吉星：<span style="color: gray">重疾不分组多次赔付，附加癌症二次赔付后，真正顶配</span></span></section></li><li ><section ><span >超倍保：<span style="color: gray">百年人寿产品，分组多次赔付，保费非常低，性价比高</span></span></section></li><li ><section ><span >如意人生守护：<span style="color: gray">轻症和中症赔付比例最高，高发轻症“原位癌”可赔付3次</span></span></section></li><li ><section ><span >嘉多保：<span style="color: gray">光大永明的经典产品，可附加3次癌症保障，最强癌症保障</span></span></section></li></ul><section ><span > </span></section><section ><span >我们再来加入百惠保一起对比下：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztbpn1A8Hen75icsoPhkqMJ9J8ibprVibj3oGvkiaco3JXTfmMkcBAYt3EC1Oia7w16AibibzuohbKw1Zr9w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztbpn1A8Hen75icsoPhkqMJ9J8ibprVibj3oGvkiaco3JXTfmMkcBAYt3EC1Oia7w16AibibzuohbKw1Zr9w/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，红色为优势</span><br /></section><section ><br /></section><section ><span >先直接说下结论：</span></section><section ><span > </span></section><ul ><li ><section ><span style="color: rgb(33, 89, 103)">就重疾保障来看：</span><span >百惠保可分5组赔付5次，看起来不如分6组，但好在癌症是单独分组，以及有癌症二次赔付加持；</span></section></li></ul><section ><br /></section><ul ><li ><section ><span style="color: rgb(33, 89, 103)">就中轻症保障来看：</span><span >百惠保处于一流水平，基本上都是最高赔付比例，高发轻症也都涵括在内；</span></section></li></ul><section ><span ><br /></span></section><ul ><li ><section ><span style="color: rgb(33, 89, 103)">就重疾额外赔付来看：</span><span >无论年龄还是赔付比例都是百惠保最好，60岁前得重疾赔付160%，就是买50万保额能赔80万；</span></section></li></ul><section ><br /></section><ul ><li ><section ><span style="color: rgb(33, 89, 103)">就保费来看：</span><span >百惠保是当之无愧的性价比之王，在不强行捆绑身故责任后，价格优势相当明显，尤其是女性投保。</span></section></li></ul><section ><span > </span></section><section ><span >保爷说过，挑选重疾险时，</span><span >选择要点无外乎保障</span><span style="color: rgb(127, 127, 127)">（基础、特色、可选）</span><span >、保额、保费这三项。</span></section><section ><span > </span></section><section ><span >而百惠保的出现，无疑将这三项都做到了极致，我们想要的就是这样的产品：</span></section><section ><span > </span></section><section ><span >保障好<span style="color: rgb(127, 127, 127)">（一流的保障还自带癌症二次赔）</span>、保额高<span style="color: rgb(127, 127, 127)">（50万保额60岁前能赔80万）</span>、保费低<span style="color: rgb(127, 127, 127)">（当前最低，尤其是女性投保）</span>。</span></section><section ><span > </span></section><section ><span >写到这里，我们可以对新品“百惠保”做出评测总结了：</span></section><section ><span > </span></section><section ><strong >它比当前第一推荐的守卫者3号更加优秀，登上了多次赔付重疾险的冠军宝座，成为了新的第一推荐！</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 >五、怎么选多次赔付重疾险</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >在保爷看来，重疾多次赔付第一要考虑的是癌症的多次赔付<span style="color: rgb(136, 136, 136)">（癌症最高发）</span>。</span></section><section ><span > </span></section><section ><span >因此，如果在守卫者3号和百惠保中间选，保爷自己会投保百惠保。</span></section><section ><span > </span></section><section ><span >不仅价格要实惠很多，还能赔2次癌症，并且60岁前得重疾额外赠送的保额也高。</span></section><section ><span > </span></section><section ><span ><strong>所以如果想投保多次赔付重疾险，保爷建议选现在的第一推荐——百惠保！</strong></span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">预算相当紧张的，可以接受不加癌症二次赔的话，那</span><strong style="color: rgb(127, 127, 127)">守卫者3号</strong><span style="color: rgb(127, 127, 127)">是不错的选择。</span><br /></section><section ><span > </span></section><section ><span style="color: rgb(255, 41, 65)"><strong><span >该选单次赔付重疾险还是多次赔付重疾险？</span></strong></span></section><section ><span ><br /></span></section><section ><span >如果不清楚买单次赔付重疾险</span><span style="color: rgb(136, 136, 136)">（如无忧人生2020等）</span><span >还是买多次赔付重疾险</span><span style="color: rgb(136, 136, 136)">（如百惠保等）</span><span style="color: rgb(0, 0, 0)">，保爷建议看预算。</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><span style="color: rgb(0, 0, 0)">两者保费差距一两千元，如果预算有，建议选保障更强的百惠保，预算紧张就选无忧人生2020这类单次赔付重疾险。<br /></span></section><section ><br /></section><section ><span style="color: rgb(255, 41, 65)"><strong>如果投保百惠保，可选责任如何选择？</strong></span></section><section ><span > </span></section><section ><span >这里保爷简单讲解一下百惠保的可选责任，方便大家投保时知道如何选择。</span></section><section ><span > </span></section><section ><span >保爷建议投保百惠保时，附加责任如下图这样选：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztbpn1A8Hen75icsoPhkqMJ9zX7xvEYQw7aMS5dRz0pQhVeAHRtuJtGFba8ZMq78fSxAI92wicPFfKQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztbpn1A8Hen75icsoPhkqMJ9zX7xvEYQw7aMS5dRz0pQhVeAHRtuJtGFba8ZMq78fSxAI92wicPFfKQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >1、“投保人保费豁免”看自身情况：</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">自己给自己投保是不用选的，投保人就是被保人，被保人豁免是自带的。</span></section><section ><span style="color: rgb(127, 127, 127)"> </span></section><section ><span style="color: rgb(127, 127, 127)">给别人投保时，例如夫妻互投，如果投保人的年龄比较年轻且身体健康，就建议附加上投保人豁免，否则不建议加。</span></section><section ><span > </span></section><section ><span >2、“身故保险金”不建议投保，前文有讲过，附加身故后会很贵，不如另买一份定期寿险；</span></section><section ><span ><br /></span></section><section ><span >3、“二次心脑血管特疾保险金”，这项不建议投保，如果预算很充足，可以加上。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(255, 41, 65)"><strong>为什么投保百惠保时，“投保地区”选不到我的省市？</strong></span></section><section ><span > </span></section><section ><span >百惠保的投保页面上的投保地区只有北京市、浙江省等19个省市。</span></section><section ><span > </span></section><section ><span >这是不是代表<strong>不在那19个地区</strong>的朋友就不能投保呢？</span></section><section ><span > </span></section><section ><span ><strong>不是的，其他省市的也是可以投保的。</strong></span></section><section ><span ><strong> </strong></span></section><section ><span ><strong>投保地区是银保监会对保险公司的限制，而不是对投保人的限制。</strong></span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">就好像，香港的保险公司只能在香港销售保险，但内地的客户可以选择去香港买保险。</span></section><section ><span style="color: rgb(127, 127, 127)"> </span></section><section ><span style="color: rgb(127, 127, 127)">这种投保的解决方案就是：<strong>异地投保</strong>。</span></section><section ><span > </span></section><section ><span >具体详情看下这篇文章：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" textvalue="保险进阶手册之「异地投保」，会影响理赔吗？" tab="innerlink" ><span >保险进阶手册之「异地投保」，会影响理赔吗？</span></a></section><section ><br /></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 >就本次测评结果来看，百惠保已经成为多次赔付重疾险的第一推荐。</span></section><section ><span > </span></section><section ><span style="color: rgb(0, 0, 0)">如果你预算充足，想要更好的保障</span><span style="color: rgb(136, 136, 136)">（多次赔付）</span><span style="color: rgb(0, 0, 0)">，</span></section><section ><span style="color: rgb(0, 0, 0)"><br /></span></section><section ><strong><span style="color: rgb(0, 0, 0)">那么选保障、保费、保额兼顾的百惠保绝对是当前的最佳选择。</span></strong></section><section ><br /></section><section ><span >想了解百惠保更多详情及投保购买，可以点击文末<strong>阅读原文</strong>，在多次赔付重疾险选项卡中找到。</span></section><section ><span > </span></section><section ><span >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 ><span > </span></section><section ><span >如果遇到问题欢迎添加保爷微信：dongbaoye999免费贴心咨询。</span></section><section ><span > </span></section><section ><span >相关阅读：</span></section><section ><span > </span></section><section ><span >单次赔付重疾险评测：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787754&idx=1&sn=bae460dddcff047fc32f999492dfbc2c&chksm=b2b061a885c7e8be76cabaa61a0b70a73a3df586c5c655d52ca3b3ed4e7dee6535388a6cafdd&scene=21#wechat_redirect" textvalue="激烈！重疾险迎来2个强劲挑战者：无忧人生2020、钢铁战士1号" tab="innerlink" ><span >激烈！重疾险迎来2个强劲挑战者：无忧人生2020、钢铁战士1号</span></a></section><section ><span >线上投保：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink" ><span >「网上」买保险靠谱吗？</span></a><br /></section><section ><span >保险公司大小：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink" ><span >没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a></section><section ><span >异地投保：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" textvalue="保险进阶手册之「异地投保」，会影响理赔吗？" tab="innerlink" ><span >保险进阶手册之「异地投保」，会影响理赔吗？</span></a></section><section ><span >身故责任：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink" ><span >投保重疾险时，到底要不要选「身故」保障？</span></a><br /></section><section ><span >健康告知、核保：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&scene=21#wechat_redirect" textvalue="买保险时的「健康告知」以及「核保」，到底该怎么处理？" tab="innerlink" ><span >买保险时的「健康告知」以及「核保」，到底该怎么处理？</span></a></section><section ><br /></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，<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>
