支付宝卖爆的少儿重疾险「健康福」，条款里有3个坑！

<section 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%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" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">Hey，大家好，我是懂保爷资深产品测评师丽丽～</section>最近有些家长问：支付宝上那个卖爆了的少儿重疾险「健康福」，到底怎么样？值不值得给孩子买？<section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPZWib14Yicx14uvRIZSnmd92N5GtpYCSfx1cezt3ONc5qJMdtfj6q7w1lHoOx8ib5yx0KQ7nD4eIcyYSraE3DXQ3x6fibXGhnia73M%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPZWib14Yicx14uvRIZSnmd92N5GtpYCSfx1cezt3ONc5qJMdtfj6q7w1lHoOx8ib5yx0KQ7nD4eIcyYSraE3DXQ3x6fibXGhnia73M/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>我大概看了一下这款产品，第一感觉其实还不错。 太平洋出品，价格也不算贵，基础的轻症、中症、重疾，还有特疾、罕见病这些保障都有，整体比较接近现在市场上的主流少儿重疾险。<section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FiaZHDj9icvRXMRqOcZE75Ns7mqQaFjaTkWGhVROn4Vd5ZapSft8Ry5u5SnaHZ7qfYq7ApHQDae1ibGws2f7T1Le27VhyocDdiapaC81iaT8Uzfk4%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/iaZHDj9icvRXMRqOcZE75Ns7mqQaFjaTkWGhVROn4Vd5ZapSft8Ry5u5SnaHZ7qfYq7ApHQDae1ibGws2f7T1Le27VhyocDdiapaC81iaT8Uzfk4/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>难怪卖得这么火。但是，我把条款仔细翻了一遍之后发现，还是有些问题。同样的价位，其实是有更好的选择的。口说无凭，我就拿市场上另一款热门的儿童重疾险青云卫6号来对比一下，这款是央企背景的招商仁和出品的，两款放一起，大家感受会更直观。 <sc-clipboard block-data="[{"blockId":"yQQ2SAPN8qa9yEBKodLpxy","blockSubtree":{"block":{"yQQ2SAPN8qa9yEBKodLpxy":{"role":"editor","value":{"id":"yQQ2SAPN8qa9yEBKodLpxy","parentId":"","type":"text","props":{"title":[["口说无凭，我就拿市场上另一款儿童重疾险——青云卫6号来对比一下。这款是央企背景的招商仁和出品的，两款放一起，大家感受会更直观。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard>一基础保障<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOZibopVDa3IvRdS1DibD4pnfLff4CpoeRldyhPX4VuojBIfztN70ItzkVDB9RXCrx1rLhw3jKScd93R5yPocklaGz8Y39uROSGQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOZibopVDa3IvRdS1DibD4pnfLff4CpoeRldyhPX4VuojBIfztN70ItzkVDB9RXCrx1rLhw3jKScd93R5yPocklaGz8Y39uROSGQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>两款产品的轻症、中症、重疾，再加上少儿特疾和罕见病的赔付力度，基本差不多。<sc-clipboard block-data="[{"blockId":"rR0hSgr7y9X5Lv8ZxPK5tR","blockSubtree":{"block":{"rR0hSgr7y9X5Lv8ZxPK5tR":{"role":"editor","value":{"id":"rR0hSgr7y9X5Lv8ZxPK5tR","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["两款产品的轻症、中症、重疾，再加上少儿特疾和罕见病的赔付力度，基本差不多。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">重疾：都是1次，赔100%保额；</section></li></ul><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">轻症：健康福4次、每次30%，青云卫6号5次、每次30%；</section></li></ul><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">中症：健康福3次、每次60%，青云卫6号2次、每次60%；</section></li></ul><ul ><li><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">特疾：都是额外赔120%，罕见病额外赔200%。</section></li></ul>单看这张成绩单，健康福一点都不虚。那问题出在哪呢？就藏在条款细节里，健康福有3个坑，我一个一个说。<sc-clipboard></sc-clipboard><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">坑一：重疾赔了，特疾和罕见病直接作废</h2>这是我最不能接受的一点。健康福的条款里白纸黑字写着：赔了重疾之后，特定疾病保险金、罕见疾病保险金，责任均终止。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOpqKaia4HiayIiaVYo4dQc2vOfJLrPBXFLwHPG0xuJdStKPrXaq3BmWqv9yjl5ZgusUgAAUJU2vOaEYvTpTBeEwoO8icIhxAV7cmI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOpqKaia4HiayIiaVYo4dQc2vOfJLrPBXFLwHPG0xuJdStKPrXaq3BmWqv9yjl5ZgusUgAAUJU2vOaEYvTpTBeEwoO8icIhxAV7cmI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>什么意思？就是说，得了特疾，重疾和特疾，你只能二选一，拿一份钱。那青云卫6号呢？它的条款写的是：得了少儿特疾，先给首次重大疾病保险金，再按基本保额的120%给付少儿特疾关爱金。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNu9d31gqibib1Wgcb6wc1hCkIJIKJ2uTFbjGgG30TVJUpO1vaDTov53Y4I5GVo0EoesEnBFtQavYGu5RqfzNEnhpuJx7j2MlSOQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNu9d31gqibib1Wgcb6wc1hCkIJIKJ2uTFbjGgG30TVJUpO1vaDTov53Y4I5GVo0EoesEnBFtQavYGu5RqfzNEnhpuJx7j2MlSOQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>两项责任，叠加赔。举个例子，买了50万保额，孩子不幸确诊白血病（属于特疾）：买青云卫6号：先赔重疾50万，再额外给60万（120%），一共拿到110万。买太平洋健康福：要么直接按重疾赔50万，少儿特疾责任直接失效，额外的钱拿不到；要么走少儿特疾赔60万。不管怎么走，都比青云卫6号拿得少。白血病是孩子成长过程中最高发的重疾之一，骨髓移植、Cart-T治疗，动辄就是大几十万甚至上百万的开销。关键时刻多拿50万和少拿50万，那就是两个完全不同的局面。<h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">坑二：重疾赔完，再赔轻中症，要等90天</h2><sc-clipboard block-data="[{"blockId":"ZZkfM8OSEj4YsN3rWAJHXL","blockSubtree":{"block":{"ZZkfM8OSEj4YsN3rWAJHXL":{"role":"editor","value":{"id":"ZZkfM8OSEj4YsN3rWAJHXL","parentId":"","type":"header2","props":{"title":[["坑二：重疾赔完，再赔轻中症，要等90天",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard>第二个坑更隐蔽。健康福条款里写了：重疾赔完之后，如果再确诊轻症或中症，要从最近一次重疾确诊之日起90天后，才能赔。90天内确诊的，一分钱不赔。<sc-clipboard block-data="[{"blockId":"GaXgZkLk4eRU1AqL3WysEP","blockSubtree":{"block":{"GaXgZkLk4eRU1AqL3WysEP":{"role":"editor","value":{"id":"GaXgZkLk4eRU1AqL3WysEP","parentId":"","type":"text","props":{"title":[["第二个坑更隐蔽。",null]]},"children":[],"parentTable":"block","enabled":true}}}}},{"blockId":"ke14tRabCq64SfQF9fEIS8","blockSubtree":{"block":{"ke14tRabCq64SfQF9fEIS8":{"role":"editor","value":{"id":"ke14tRabCq64SfQF9fEIS8","parentId":"","type":"text","props":{"title":[["健康福条款里写了：重疾赔完之后，如果再确诊轻症或中症，要从最近一次重疾确诊之日起",null],["90天后",[["b"]]],["（不含第90日），而且还得是非同组的疾病，才能赔。90天内确诊的，一分钱不赔。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMc2uEQnVicQ1xesTG39S8qLbKJiceq7icsEIbOPm0YnAXy6SicAdWZ07xaoY4tTYSPOAVL4wbOlDXpGAIib2tNZBTibjdvP7TwowibBI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMc2uEQnVicQ1xesTG39S8qLbKJiceq7icsEIbOPm0YnAXy6SicAdWZ07xaoY4tTYSPOAVL4wbOlDXpGAIib2tNZBTibjdvP7TwowibBI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>青云卫6号没有间隔期，重疾赔完，非同组的轻中症保障继续有效，确诊就赔。<sc-clipboard block-data="[{"blockId":"j4DRmZAbvgda8C9WS2WW9W","blockSubtree":{"block":{"j4DRmZAbvgda8C9WS2WW9W":{"role":"editor","value":{"id":"j4DRmZAbvgda8C9WS2WW9W","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["没有间隔期。重疾赔完，非同组的轻中症保障继续有效，确诊就赔。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard><sc-clipboard></sc-clipboard>可能有朋友觉得，90天而已，有那么重要吗？太重要了。孩子确诊重疾之后，往往要经历长时间的治疗，而重疾治疗期间和恢复期，恰恰是身体最脆弱、最容易并发其他疾病的时候。这个阶段新发轻症、中症的概率一点都不低。<sc-clipboard block-data="[{"blockId":"rPWeyp0qsBJZVWWk5Rol59","blockSubtree":{"block":{"rPWeyp0qsBJZVWWk5Rol59":{"role":"editor","value":{"id":"rPWeyp0qsBJZVWWk5Rol59","parentId":"","type":"text","props":{"title":[["可能有朋友觉得，90天而已，有那么重要吗？",null]]},"children":[],"parentTable":"block","enabled":true}}}}},{"blockId":"L2gnIAz0yahx5PPRQoFWQ0","blockSubtree":{"block":{"L2gnIAz0yahx5PPRQoFWQ0":{"role":"editor","value":{"id":"L2gnIAz0yahx5PPRQoFWQ0","parentId":"","type":"text","props":{"title":[["我这么说吧，太重要了。孩子确诊重疾之后，往往要经历长时间的治疗，而重疾治疗期间和恢复期，恰恰是身体最脆弱、最容易并发其他疾病的时候。这个阶段新发轻症、中症的概率一点都不低。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">所以没有间隔期，当然是更好的。</section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">坑三：特疾赔付只保到30岁</h2><sc-clipboard block-data="[{"blockId":"WwLjXrafWUITQRuKKQTbvG","blockSubtree":{"block":{"WwLjXrafWUITQRuKKQTbvG":{"role":"editor","value":{"id":"WwLjXrafWUITQRuKKQTbvG","parentId":"","type":"header2","props":{"title":[["坑三：特疾赔付只保到30岁",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard>第三个坑，是个隐藏的时间限制。健康福的特疾赔付条款里写了：被保险人要在未满31周岁前确诊，才能拿到那120%的特疾赔付；过了30岁，这项责任就没了。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMoH7Lgn7yof3ibhtr3ReibGIuRoTKE82kTsz2WhTlUNSJItuMDfiaLIdKEoibOS6L0xInVJI58OAZTSFEibokqvW5L34bQbTWJEWibo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMoH7Lgn7yof3ibhtr3ReibGIuRoTKE82kTsz2WhTlUNSJItuMDfiaLIdKEoibOS6L0xInVJI58OAZTSFEibokqvW5L34bQbTWJEWibo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>青云卫6号没有这个限制，少儿特疾额外赔这项责任是终身存在的。<section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOgvuL0I3rt47oWZQy1A7jcicz7iahJLzLG45OQVJ4UE9WqlANxnh8GPWcauBfe0znaGwDL74tnTLW3IEk1Bh4tEicMyxUooVX2Ro%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOgvuL0I3rt47oWZQy1A7jcicz7iahJLzLG45OQVJ4UE9WqlANxnh8GPWcauBfe0znaGwDL74tnTLW3IEk1Bh4tEicMyxUooVX2Ro/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>可能有朋友会觉得，少儿特疾嘛，孩子小时候才会得，保到30岁够用了吧？我倒不这么看。一方面，像白血病什么的，成年后依然有发病的可能；另一方面，一份终身重疾险，少一项终身有效的额外赔付责任，等于这份合同的含金量打了折扣。买终身保障，结果里面值钱的一项责任只保30年，这账怎么算都不划算的。<sc-clipboard></sc-clipboard><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">总之，健康福的这些坑点，都是对孩子来说非常重要的，不太建议大忽略掉，相比之下，青云为6号的基础保障，是更有优势的。</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"> </section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">二</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">自带的其他保障，青云卫6号也更丰富</section>除了基础保障，我觉得青云卫6号还有一个比较明显的优势：自带的特色保障比较多。<section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNzNTvwWTjS0Ww2icltZQ1oBvI4XPZhBNdPZNiaibxEMsXrUCVA9W4dFSHLeyqj9UsJyv4AANQbwT1Fl4UWrTXjfqEBr9ictv9ocLM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNzNTvwWTjS0Ww2icltZQ1oBvI4XPZhBNdPZNiaibxEMsXrUCVA9W4dFSHLeyqj9UsJyv4AANQbwT1Fl4UWrTXjfqEBr9ictv9ocLM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>孩子成长过程中比较受关注的白血病、严重肥胖、性早熟等，都有针对性的额外保障。尤其是白血病，如果18岁之前确诊并进行骨髓移植，还能有额外的骨髓移植保险金和医疗津贴。另外，它还有两个我比较喜欢的设计：一是18岁前首次确诊重疾，额外给增长保险金，按基本保额的6%乘以保单年度数给付，最高能到100%保额。等于孩子越早出险，赔得越多，最高直接翻倍。二是缴费期内确诊重疾或中症，直接退已交保费。相当于一分钱没花，再拿一笔赔偿，另外还有被保人豁免责任，后续保费也不用交了，保障继续有效。对于一个正在跟病魔搏斗的家庭来说，这就是雪中送炭。<sc-clipboard block-data="[{"blockId":"MYFW0TSHblg4NX9uKHVVEg","blockSubtree":{"block":{"MYFW0TSHblg4NX9uKHVVEg":{"role":"editor","value":{"id":"MYFW0TSHblg4NX9uKHVVEg","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["对于一个正在跟病魔搏斗的家庭来说，这就是雪中送炭。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard><sc-clipboard block-data="[{"blockId":"5cdI4UUfJqZ1ocK8p2kIlX","blockSubtree":{"block":{"5cdI4UUfJqZ1ocK8p2kIlX":{"role":"editor","value":{"id":"5cdI4UUfJqZ1ocK8p2kIlX","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["二是",null],["缴费期内确诊重疾或中症，直接退已交保费",[["b"]]],["。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>而健康福，只带一个被保人豁免责任就没有了。所以整体看下来，健康福在保障上，确实没什么优势。<sc-clipboard block-data="[{"blockId":"TyaKXoOvCWT1iNLGblSTRm","blockSubtree":{"block":{"TyaKXoOvCWT1iNLGblSTRm":{"role":"editor","value":{"id":"TyaKXoOvCWT1iNLGblSTRm","parentId":"","type":"text","props":{"title":[["所以整体看下来，健康福在保障上，确实没什么优势。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard> <section style="color: rgba(0, 0, 0, 0.9); text-align: justify">三</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">最后看下价格</section>说到这，肯定有朋友要问了：青云卫6号这么能赔，是不是很贵？咱们直接看价格。同样买50万保额、保终身、30年缴费、不附加可选责任，0岁宝宝：<sc-clipboard block-data="[{"blockId":"jl19mkf865ME6dViTpgzkG","blockSubtree":{"block":{"jl19mkf865ME6dViTpgzkG":{"role":"editor","value":{"id":"jl19mkf865ME6dViTpgzkG","parentId":"","type":"text","props":{"title":[["说到这，肯定有朋友要问了：青云卫6号这么能赔，是不是很贵？",null]]},"children":[],"parentTable":"block","enabled":true}}}}},{"blockId":"H6a6n96uL5E71X1QO5Dj37","blockSubtree":{"block":{"H6a6n96uL5E71X1QO5Dj37":{"role":"editor","value":{"id":"H6a6n96uL5E71X1QO5Dj37","parentId":"","type":"text","props":{"title":[["咱们直接看价格。同样买50万保额、保终身、30年缴费、不附加可选责任，0岁宝宝：",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMY4Dp52Q4NiattSw2uWDE5bxZmJvgKMkG4XZAwf23zlpIr3fxPD01uvptBw0LaI2omcLXWspNI3l0U4tvZ0SQWztTzOwAVRz2Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMY4Dp52Q4NiattSw2uWDE5bxZmJvgKMkG4XZAwf23zlpIr3fxPD01uvptBw0LaI2omcLXWspNI3l0U4tvZ0SQWztTzOwAVRz2Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>两款产品的保费差距，大概也就是一年100元左右。平摊到每个月，就是10块钱不到的事儿，说实话，我觉得这个差价真的不算什么。买少儿重疾险，本质上还是要看保障到底怎么样。为了便宜几十、上百块，少了一些关键保障，我觉得就有点本末倒置了。 四总结一下所以整体看下来，健康福并不是一款不能买的产品。它价格不贵，基础保障也比较齐全，作为支付宝上的热销产品，有一定市场认可度并不奇怪。但如果把条款拆开来看，尤其是对比青云卫6号之后，会发现：青云卫6号在重疾后的保障延续、少儿特疾赔付、自带少儿特色责任这些方面，确实做得更完整。所以如果你现在正准备给孩子买重疾险，健康福可以拿来对比，但我会更建议大家重点看看青云卫6号。因为给孩子买重疾险，本质上是在赌一个我们谁都不希望发生、但必须提前准备好的可能性。既然钱都要花，为什么不花在赔得更多、赔得更顺的那一款上呢？好了，今天就聊到这，对产品感兴趣，或者有任何疑问，都可以来和我聊一聊。<sc-clipboard block-data="[{"blockId":"jzSIXm1sgRv5wCO8flA0pv","blockSubtree":{"block":{"jzSIXm1sgRv5wCO8flA0pv":{"role":"editor","value":{"id":"jzSIXm1sgRv5wCO8flA0pv","parentId":"","type":"text","props":{"title":[["给孩子买重疾险，本质上是在赌一个我们谁都不希望发生、但必须提前准备好的可能性。既然钱都要花，为什么不花在赔得更多、赔得更顺的那一款上呢？",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"> </section><section 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%2FiaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"> </section>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：第1-市场上最热的「儿童重疾险」产品测评表<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%2FiaZHDj9icvRXNEQGIuLfm69IaYxW25OvrEtiaJyQgEEgTg2GkSia8N7TWTy8EFNAicicw13qvJJzibOtceFg11L9YhcEYcDeKV67Zic3a4P750FM5ng%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D6" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNEQGIuLfm69IaYxW25OvrEtiaJyQgEEgTg2GkSia8N7TWTy8EFNAicicw13qvJJzibOtceFg11L9YhcEYcDeKV67Zic3a4P750FM5ng/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=6" alt="懂保爷测评配图" loading="lazy" /></section>第2-最新更新的2类7大保险榜单 <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>第3-我们懂保爷首创的极简养老规划指南<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>第4-每个家庭到底要买什么保险1对1深度讲解<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>扫码就能领取，我们一一发给大家。 <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"> </section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">有空的话，前面几篇重要文章可能也值得一看：</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505583&idx=1&sn=9a11101b02e69f982c6f1a7f2f015161&scene=21#wechat_redirect" textvalue="想给孩子买重疾险，非“老七家”不买？我拿太保的阿基米德2025和大黄蜂17号全能版比了比，差距有点大" linktype="text">想给孩子买重疾险，非“老七家”不买？我拿太保的阿基米德2025和大黄蜂17号全能版比了比，差距有点大</a></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505458&idx=1&sn=6a03f0f12f79ca95361c3846231e13b3&scene=21#wechat_redirect" textvalue="高性价比成人重疾险PK：超级玛丽17号和达尔文12号，怎么选？" linktype="text">高性价比成人重疾险PK：超级玛丽17号和达尔文12号，怎么选？</a></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><a target="_blank" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247505180&idx=1&sn=04db0249572c0f055ef4d4d1c67e19fd&scene=21#wechat_redirect" textvalue="930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？" linktype="text">930年金停售倒计时：复星保德信星海赢家火凤/青鸾/朱雀/玄武和星颐3.0，5款年金怎么选？</a></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: left">点击“阅读原文”进入「保险商城」</section></mp-style-type>

本文为懂保爷原创保险知识科普，不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。