<section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUsVvyictY7uLhtTLHMacWeUwQoNzZQsTIqEyuhicIYFjUJg6ic6fYNlgAA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUsVvyictY7uLhtTLHMacWeUwQoNzZQsTIqEyuhicIYFjUJg6ic6fYNlgAA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p ><br /></p><p ><span >大家好，我是保爷。</span></p><p ><span > </span></p><p ><span >今天我们来聊一款比较特殊的重疾险新品——<strong>达尔文</strong>（易核版）。</span></p><p ><span > </span></p><p ><span >说特殊是因为它不是面向正常人群的主流重疾险，至于它的真实受众估计大家也能看名字猜到：</span></p><p ><span > </span></p><p ><span ><strong>这其实是一款给买不了重疾险的人群特供的重疾险。</strong></span></p><p ><span > </span></p><p ><span >因此，即便它保障、保费已经和主流重疾险脱节，保爷认为还是有必要给大家评测一下。</span></p><p ><span > </span></p><p ><span >闲话不多说，我们直接进入正题。</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 ><span >一、达尔文（易核版）产品详情</span></strong></span></section></section></section></section></section></span></section><p ><span ><br /></span></p><p ><span >我们先看下达尔文（易核版）的保障责任：<br /></span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUicNXBKYrdiciaPmibb0U77sYibsBcBOiaHEMm0VYC1JgZdhA6h9icPwVecQEA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUicNXBKYrdiciaPmibb0U77sYibsBcBOiaHEMm0VYC1JgZdhA6h9icPwVecQEA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><br /></p><p ><span >核心疾病责任是：</span></p><p ><span ><br /></span></p><ul ><li style="color: rgb(123, 127, 131)"><p><span style="color: rgb(123, 127, 131)">100种重疾，赔1次，100%保额；</span></p></li><li style="color: rgb(123, 127, 131)"><p><span style="color: rgb(123, 127, 131)">20种中症，赔1次，50%保额；<br /></span></p></li><li style="color: rgb(123, 127, 131)"><p><span style="color: rgb(123, 127, 131)">35种轻症，赔3次，30%保额。</span></p></li></ul><p ><br /></p><p ><span >要问保爷对此怎么看，那只能是：</span></p><p ><span ><br /></span></p><p ><span >平平无奇，乏善可陈。</span></p><p ><span > </span></p><p ><span >最高只能投保40万保额暂且不提，</span></p><p ><span > </span></p><p ><span >没有重疾额外赔付、中/轻症赔付次数少/比例低、捆绑身故、没有重疾二次赔付、最长缴费仅20年。</span></p><p ><span > </span></p><p ><strong><span >明显，主流重疾险认真干的事，达尔文易核版是一样都不沾。</span></strong></p><p ><span > </span></p><p ><span >想知道更具体的，我们可以看个与主流重疾险的对比：</span></p><p ><span ><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUNiaKCdZEUFLeMxAlhd7KQjx9YTPtM5034RnU6ytibUbebvQjkQvicqNbg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUNiaKCdZEUFLeMxAlhd7KQjx9YTPtM5034RnU6ytibUbebvQjkQvicqNbg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><p ><span >对比结论应该不用保爷多说，明眼人一看就清楚了。</span></p><p ><span > </span></p><p ><span >按理说这么“磕碜”的重疾险产品，早该被开除“险籍”了。</span></p><p ><span > </span></p><p ><strong><span >那为什么还敢放出来卖？</span></strong></p><p ><span ><br /></span></p><p ><span >我们接着向下看。</span><br /></p><p ><br /></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 ><span >二、达尔文易核版优势在哪？</span></strong></span></section></section></section></section></section></span></section><p ><span > </span></p><p ><span >达尔文（易核版）这次最大的优势或者说亮点，其实是它的<strong>智能核保</strong>。</span></p><p ><span > </span></p><p ><span style="color: rgb(127, 127, 127)">保爷估摸着“易核版”三个字就是“容易核保的版本”的意思。</span></p><p ><span > </span></p><p ><span >达尔文（易核版）背后的保险公司<strong>光大永明</strong>为此还独家定制了一份新的智能核保规则。</span></p><p ><span > </span></p><p ><span >不明白没关系，保爷举个例子说说：</span></p><p ><span > </span></p><p ><span >我们在投保重疾险时，如果身体有小毛病没通过健康告知，肯定就要进行智能核保。</span></p><p ><span > </span></p><p ><span >但现实是，绝大多数主流重疾险的智能核保现在都不够“智能”，如图所示：</span></p><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUiaxbhI3ibn2teeibibMdanfP7gW7G42SdZiakic7EJfpcHbkGnC6J8J2prZA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUiaxbhI3ibn2teeibibMdanfP7gW7G42SdZiakic7EJfpcHbkGnC6J8J2prZA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >有糖尿病→健康告知没通过→智能核保选择糖尿病→拒保。</span></p><p ><span > </span></p><p ><span >全程行云流水、一气呵成，没有多余步骤，操作很友好。</span></p><p ><span ><br /></span></p><p ><span >但关键是对投保人不友好啊：</span></p><p ><span > </span></p><p ><span style="color: rgb(127, 127, 127)">合着你就问问我有没有病，不看我病情怎么样就拒保？</span></p><p ><span style="color: rgb(127, 127, 127)"> </span></p><p ><span style="color: rgb(127, 127, 127)">那还不如健康告知明确说糖尿病拒保得了。</span></p><p ><span > </span></p><section ><span >反面教材看完，我们来看看达尔文（易核版）的智能核保：</span></section><section ><span ><br /></span></section><section style="text-align: center"><span ><strong style="color: rgb(123, 127, 131); text-align: center">滑动看详情</strong></span></section><section><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUuta2hqcic0c1xGmSBtfeZCN2OXJ7rZxUza7C3Z9A76kLMp347L2Wfxg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUuta2hqcic0c1xGmSBtfeZCN2OXJ7rZxUza7C3Z9A76kLMp347L2Wfxg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section ><br /></section><section ><strong><span >看到没？这个就叫专业！</span></strong></section><section ><span > </span></section><section ><span >当然，达尔文（易核版）不仅仅只是糖尿病患者的福音，它共计有22种可以加费承保的疾病：</span></section><p ><span ><br /></span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUPNJnxzoc8gLXe4f7NXuibVXqsibPa6W9oh7ia4gphXGCAhaOaZfFibWX9w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczu4AWUiae9hRzX3j8ON6v5OUPNJnxzoc8gLXe4f7NXuibVXqsibPa6W9oh7ia4gphXGCAhaOaZfFibWX9w/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >像2级高血压、乙肝、重度脂肪肝、甲亢甲减、萎缩性胃炎这些主流重疾险通常拒保的疾病，它统统可以保。</span></p><p ><span > </span></p><p ><span style="color: rgb(127, 127, 127)">但是会加费承保，让本就不便宜的它更贵，这点要有心理准备。</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 ><span >三、投保须知</span></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >前面我们说了，达尔文（易核版）就是一款普通的不能再普通的重疾险。</span></p><p ><span > </span></p><p ><span >亮点就是它的智能核保，并且有机会加费承保的疾病高达22种。</span></p><p ><span > </span></p><p ><span ><strong>但这不代表有那22种疾病的患者，就只能买它了。</strong></span></p><p ><span > </span></p><p ><span >这点一定要理清！</span></p><p ><span > </span></p><p ><span >例如22种疾病中的<strong>甲状腺结节</strong>，<strong>达尔文（易核版）</strong>对它的核保结论是：</span></p><p ><span > </span></p><ul ><li><p><span ><strong>1-3</strong><strong>级会除外或加费承保，4级及以上会拒保。</strong></span></p></li></ul><p ><span ><br /></span></p><p ><span >而现在的主流重疾险如<strong>超级玛丽3号Max</strong>，核保结论基本都是：</span></p><p ><span > </span></p><ul ><li><p><span ><strong>1-2</strong><strong>级能标体承保，3级才除外承保，分级4级及以上拒保。</strong></span></p></li></ul><p ><span ><br /></span></p><p ><span >这就很有问题！</span></p><p ><span > </span></p><p ><span >所以千万不要迷信达尔文（易核版）可以“特殊智能核保”的22种疾病。</span></p><p ><span > </span></p><p ><span >保爷建议身体欠佳的朋友先去尝试主流重疾险的核保，</span></p><p ><span > </span></p><p ><span >只有实在是<strong>没有主流重疾险可选</strong>的前提下再来选择达尔文（易核版）。</span></p><p ><span > </span></p><p ><span >毕竟达尔文（易核版）不仅保费贵、保障一般，为了降低风险还捆绑了身故责任。</span></p><p ><span > </span></p><p ><span style="color: rgb(127, 127, 127)">如果不是真的没得选，通常并不推荐重疾险捆绑身故，原因可见：<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></p><p ><span > </span></p><p ><strong><span >因此，保爷对这款产品的看法就是：</span></strong></p><p ><span > </span></p><p ><span >1、对于身体健康，或者有小毛病的</span><span style="color: rgb(123, 127, 131)">（如甲状腺/乳腺结节、小三阳或乙肝病毒携带等）</span><span >老老实实投保主流重疾险即可；</span></p><p ><span > </span></p><p ><span >2、至于糖尿病等实在没得选的疾病，就选达尔文（易核版）绝对不亏，因为没有比这更好的选择了。</span></p><p ><br /></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 >写在最后</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >就保险的本质来说，达尔文（易核版）绝对是款好产品</span><span style="color: rgb(123, 127, 131)">（能买到的保险才是好保险）</span><span >。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(0, 0, 0)">虽然综合来看较为中庸，甚至引以为傲的核保方面，部分小毛病的核保还比主流重疾险严格。</span></p><p ><span ><br /></span></p><p ><span >但它对于糖尿病、2级高血压、甲亢甲减、萎缩性胃炎、重度脂肪肝等疾病患者来说：<br /></span></p><p ><span ><br /></span></p><p ><span >这就是拨云见日的一道光。</span></p><p ><span ><br /></span></p><p ><strong><span >毕竟除了家里有“矿”，谁敢在自己的保障上“裸奔”呢？</span></strong><span ></span></p><p ><br /></p><section ><span >如果想了解更多达尔文（易核版）产品详情或在线投保，</span></section><section ><span ><br /></span></section><section ><span >可以通过“<strong >懂保爷</strong>”公众号“精选保险”菜单或点击文末“阅读原文”找到这款产品。</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，</span><span style="color: rgb(123, 127, 131)">可在保险公司的官网或官方微信公众号查到你的保单。</span></section><section ><span > </span></section><section ><span >后续理赔等保单服务都可以找保爷协助，</span></section><section ><span ><br /></span></section><section ><span >如果遇到其他问题可添加保爷微信：<strong >dongbaoye666</strong>免费贴心咨询。</span></section><p ><br /><span >相关阅读：<br /></span></p><p ><br /></p><p ><span >成人重疾险评测：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788493&idx=1&sn=4f1cc808611435a798587010daf9fc48&chksm=b2b06e8f85c7e799297faf189447c07ef159c7fc98cc780c430dc64bd9e5dac922a1be57fce3&scene=21#wechat_redirect" tab="innerlink" ><span >永不言弃的「重疾险斗士」：超级玛丽3号Max</span></a><br /></p><p ><span >线上保险：<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" >「网上」买保险靠谱吗？</a></span></p><p ><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" 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><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&scene=21#wechat_redirect" tab="innerlink"></a><br /></p><p ><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></p><p ><span >理赔：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788340&idx=1&sn=2efcea6109966ef0981a628a31af4287&chksm=b2b06e7685c7e760cfc7f1c572ac831fdb59f1c0d602d0b404fe0c381d1aa08d83dc3f848b5d&scene=21#wechat_redirect" tab="innerlink"><span >保单出险了如何理赔？线上买的保险理赔难吗？</span></a><br /></p><p ><br /></p><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)">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>
