<p 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" hasload="1" ><span ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnprZDmGAqnTTxdATfRuYNOkibwoOnndzPxqIk4pUdDJBZ0QKf3edoHaQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnprZDmGAqnTTxdATfRuYNOkibwoOnndzPxqIk4pUdDJBZ0QKf3edoHaQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></span></a></p><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><section ><br /></section><p ><span >大家好，我是保爷。</span></p><p ><span ><br /></span></p><p ><span >沉寂了有段时间的定期寿险市场，近期迎来了两款新产品——<strong>大麦2021</strong>和<strong>擎天柱5号</strong>。</span></p><p ><span ><br /></span></p><p ><span >这两款产品的前身，都是之前的网红定寿产品。</span></p><p ><span ><br /></span></p><p ><strong><span >那现在经过全新升级后，当前哪款定期寿险最值得投保呢？</span></strong></p><p ><span > </span></p><p ><span >今天保爷带大家一起更新下定期寿险的评测。</span></p><p ><span ><br /></span></p><section ><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、大麦2021的升级对比</strong></span></section></section></section></section></section></section><p ><span ><br /></span></p><p ><span >大麦系列的定期寿险产品有很多款。</span></p><p ><span ><br /></span></p><p ><span >这次大麦2021是在之前的大麦2020基础之上做的升级，</span><span >我</span><span >们</span><span >看升级了哪些保障。</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%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnjWzmWsHxykFFRXR1KoeH8jlSPGibg5Wd0Ee0kYMW97gHH5ry9depOrg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnjWzmWsHxykFFRXR1KoeH8jlSPGibg5Wd0Ee0kYMW97gHH5ry9depOrg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><p ><span ><br /></span></p><p ><span >大麦2021除了继承了大麦2020的健康告知宽松、1-6类职业投保、免责少之外，还升级了以下几点：</span></p><p ><span ><strong ><br /></strong></span></p><ul ><li><p><span ><strong >保费越来越低：</strong><span >大麦2021比大麦2020保费更加便宜，30岁男性便宜了122元，30岁女性则便宜了64元；</span></span></p></li><li><p><strong><span >保额上限提高：</span></strong><span >大麦2020保额最高为300万，而大麦2021最高为350万；</span></p></li><li><p><strong><span >缴费期限更加灵活：</span></strong><span >大麦2021比大麦2020多了缴费至60岁的期限选择；</span></p></li><li><p><strong><span >额外保障更多：</span></strong><span >除了转换为定期寿险和终身寿险之外，还增加了节假日航空/公共交通意外责任</span><span style="color: rgb(136, 136, 136)">（航空意外赔200%基本保额，公共交通意外赔150%保额）。</span></p></li></ul><p ><br /></p><p ><span >除了上面说的几点之外，大麦2021如果投保时不符合它的智能核保，可以选择跳转到另一款定期寿险：<strong>大麦全能保</strong>。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">例如下图：<strong>高血压2级</strong>的朋友投保大麦2021，核保不通过，</span><span style="color: rgb(136, 136, 136)">可以跳转到</span><strong style="color: rgb(136, 136, 136)">大麦全能保</strong><span style="color: rgb(136, 136, 136)">：</span></p><p ><br /></p><section><section ><section ><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnfMY3jckKNnTcqKEEH4U8HylibbqWYrlIQdhYVibbnLR09H8ia9MmYjAyw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnfMY3jckKNnTcqKEEH4U8HylibbqWYrlIQdhYVibbnLR09H8ia9MmYjAyw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnT3vWqE9AYicTVlo9UicJLyZIAEPF9AO0B0H32reiaqQI5dXIFGI09wdAg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnT3vWqE9AYicTVlo9UicJLyZIAEPF9AO0B0H32reiaqQI5dXIFGI09wdAg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8Gvbn6YsX9CiclJjiceN7PoZkPfShSuFbibicibMoaTX7vwOj8CrYh3iaeliaq4ssw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8Gvbn6YsX9CiclJjiceN7PoZkPfShSuFbibicibMoaTX7vwOj8CrYh3iaeliaq4ssw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnYgzNXpx7mgoPNGu8bpibxvzSDgcJC61ic57Cv4ueia5ztfCSGwJqoFeqA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnYgzNXpx7mgoPNGu8bpibxvzSDgcJC61ic57Cv4ueia5ztfCSGwJqoFeqA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8Gvbn1ddyYiaJnQHyEvuWJpqgEmkldmv4Tg5qxnMq2GsHtftRBtNKMlIo20w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztkvxOBSBg3AicWPQlm8Gvbn1ddyYiaJnQHyEvuWJpqgEmkldmv4Tg5qxnMq2GsHtftRBtNKMlIo20w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点击图片看大图</span></p><p ><br /></p><p ><span >这个<strong>大麦全能保</strong>对于<strong>糖尿病、高血压、甲状腺癌以及慢性乙肝</strong>比较友好，是有机会承保的。</span></p><p ><span > </span></p><p ><span >只不过保费价格会高很多，保爷建议身体欠佳的人可以尝试其他产品</span><span style="color: rgb(136, 136, 136)">（如健康要求很低的<strong>瑞和</strong>系列）</span><span >。</span></p><p ><span > </span></p><p ><span style="color: rgb(136, 136, 136)">另外大麦2021还能减保，可以通过减少保单的现金价值拿回部分保费，但这点说实话没太大用。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">毕竟这款产品保费也不高，现金价值也不会太高，减保能够取的钱就更没有多少了。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span >总的来说，大麦2021这次升级称得上是“<strong>加量还减价</strong>”，多了额外保障，下调了保费，还给一些特定疾病的人群有了新的投保选择。</span></p><p ><span ><br /></span></p><section ><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、定期寿险的挑选准则</strong></span></section></section></section></section></section></section><section ><span ><br /></span></section><section ><span >和健康险<span style="color: gray">（医疗险、重疾险）</span>不同，寿险并没有很多有“时效性”的保障责任。</span></section><section ><span > </span></section><section ><span >健康险保障的疾病种类、治疗方式等都会适应时代而更改<span style="color: gray">（例如新的医疗手段/设备报销、开胸才赔改成微创也能赔）</span>。</span></section><section ><span > </span></section><section ><span >但寿险不会，因为它就保身故+全残，这都是很明确的。</span></section><section ><span ></span></section><section ><span > </span></section><section ><span ><strong>定期寿险到底该从哪些点去选呢？</strong></span></section><section ><span > </span></section><section ><span >保爷建议从这三点来看即可：</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">1、免责条款：</span><span style="color: rgb(0, 0, 0)">即哪些情况保险公司是不赔的（免责条款越少越好）；</span></section><section ><span style="color: rgb(33, 89, 103)"> </span></section><section ><span style="color: rgb(33, 89, 103)">2、健康告知：</span><span style="color: rgb(0, 0, 0)">即哪些情况是不可以投保的（健康告知越宽松越好）；</span></section><section ><span style="color: rgb(33, 89, 103)"> </span></section><section ><span style="color: rgb(33, 89, 103)">3、保费：</span><span style="color: rgb(0, 0, 0)">如果保障</span><span style="color: rgb(0, 0, 0)"><span >相当时，就选择保费更低的。</span></span></section><section ><span style="color: rgb(0, 0, 0)"><span ><br /></span></span></section><p ><span >接下来，保爷将按照上面三点挑选准则，将大麦2021与市面上热销的高性价比定期寿险做个对比，综合来看哪款更值得买。</span></p><p ><br /></p><section ><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、产品横向对比</strong></span></section></section></section></section></section></section><p ><span ><br /></span></p><p ><span >保爷在之前的评测中得出当下推荐的定期寿险有4款，分别是：</span></p><p ><span ><br /></span></p><ul ><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(0, 0, 0)">瑞和2020：</span><span style="color: rgb(136, 136, 136)">第一推荐，高性价比、低投保门槛、免责宽松兼得；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(0, 0, 0)">定海柱2号：</span><span style="color: rgb(136, 136, 136)">价格便宜，性价比高，但健康告知严格；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(0, 0, 0)">乾坤圈1号：</span><span style="color: rgb(136, 136, 136)">适合预算特别紧张的人，前期保费低，但后期保费会涨；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(0, 0, 0)">大麦甜蜜家2020：</span><span style="color: rgb(136, 136, 136)">适用于夫妻都是家庭经济支柱，夫妻合投的不二之选。</span></p></li></ul><p ><span ><br /></span></p><p ><span >现在我们将<strong>大麦2021</strong>以及另一款新品<strong>擎天柱5号</strong>加入其中做个对比：</span></p><p ><span > </span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnszuS4xIialGicibdPVOhwu5xO0sct1lOfC6rkZ2WPAc98uH2p1iaYeRIag%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnszuS4xIialGicibdPVOhwu5xO0sct1lOfC6rkZ2WPAc98uH2p1iaYeRIag/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span > </span></p><p ><span >前文保爷说过挑选定期寿险主要看三个点（<strong>免责条款、健康告知、保费</strong>），下面我们对比评测表来说下结论：</span></p><p ><span > </span></p><p ><span style="color: rgb(33, 89, 103)">1、就免责条款来看：</span></p><p ><span > </span></p><p ><strong><span >大麦2021</span></strong><span >及大麦系列、<strong>瑞和2020</strong>以及<strong>擎天柱5号</strong>都是<strong>3条免责</strong>条款，而其他产品的免责条款则会多一些。</span></p><p ><span > </span></p><p ><span style="color: rgb(33, 89, 103)">2、就健康告知来看：</span></p><p ><span > </span></p><p ><strong><span >大麦2021</span></strong><span >、<strong>瑞和2020</strong>以及<strong>擎天柱5号</strong>都是只有<strong>3条健康告知</strong>。</span></p><p ><span > </span></p><p ><span >但<strong>瑞和2020和擎天柱5号</strong>对于<strong>肺结节以及肝炎</strong>都可以正常承保，</span></p><p ><span ><br /></span></p><p ><span >而大麦2021对于肺结节则无法承保，对于肝炎则需要进入另一款定期寿险大麦全能保去评估能否购买。</span></p><p ><span ><br /></span></p><p ><span >因此，<strong>瑞和2020和擎天柱5号健康告知最宽松</strong>，<strong>其次是大麦2021</strong>。</span></p><p ><span > </span></p><p ><span style="color: rgb(33, 89, 103)">3、就保费来看：</span></p><p ><br /></p><p ><strong><span >大麦2021、定海柱2号以及擎天柱2020（优选版）</span></strong><span >是目前热销定期寿险中<strong>最便宜</strong>的档次</span><span style="color: rgb(136, 136, 136)">（乾坤圈1号前期便宜，但后期每10年都会增加40%保费）</span><span >。</span></p><p ><span ><br /></span></p><p ><span >其次是瑞和2020、支付宝全能保和大麦2020。</span></p><p ><span ><br /></span></p><p ><span >因此，综合上面三点来看：<strong>大麦2021免责条款少</strong>、<strong>健康告知比较宽松</strong>、</span><span ><strong>保费便宜</strong>。</span></p><p ><span > </span></p><p ><span >所以，<strong>大麦2021是目前性价比最高的定期寿险，成为了新的第一推荐！</strong></span></p><p ><span > </span></p><p ><span style="color: rgb(136, 136, 136)">而原来的第一推荐<strong>瑞和2020</strong>也不是说被淘汰了，如果<strong>职业在1-6类之外</strong>，有<strong>肺结节和肝炎等异常</strong>无法投保大麦2021的朋友，瑞和2020是最合适的，性价比也很高。</span></p><p ><span ><br /></span></p><section ><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、定期寿险投保建议</strong></span></section></section></section></section></section></section><p ><span ><br /></span></p><p ><span >保爷做了一张定期寿险投保建议图，供大家参考：</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%2FaqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnXgIuNFjl3RGXMiaAhVeiav939FyIYcibkCqoUH4xglnE3KNjmofue9AEQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztkvxOBSBg3AicWPQlm8GvbnXgIuNFjl3RGXMiaAhVeiav939FyIYcibkCqoUH4xglnE3KNjmofue9AEQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ><br /></span></p><ul ><li><p><span ><strong>大多数人</strong>：首选<strong>大麦2021</strong>，免责少、门槛低、价格也低，性价比超高；</span></p></li><li><p><span ><strong>高危职业/身体健康有问题</strong>的人：推荐投保<strong>瑞和2020</strong>，不限职业、健康告知巨宽松，性价比也很高；</span></p></li><li><p><span ><strong>当前预算特别低：</strong>选择乾坤圈1号，前10年交费比较少，但是后面每10年保费会涨一次；</span></p></li><li><p><span ><strong>夫妻双方</strong>都是家庭经济支柱的：建议投保<strong>大麦甜蜜家2020</strong>，一同出险4倍赔付。</span></p></li></ul><section ><br /></section><section ><span >另外，保爷整理了几个大家在<strong>投保</strong><strong>定期寿险遇到的常见问题</strong>：</span></section><section ><span ><br /></span></section><section ><strong><span style="color: rgb(33, 89, 103)">1、定期寿险保额该买多少？</span></strong></section><section ><span > </span></section><section ><span >定期寿险的推荐保额=房贷+车贷+其它贷款+子女教育费用+父母赡养费用-家庭存款。</span></section><section ><span > </span></section><section ><span >一般来说，定期寿险保额建议<strong>100万</strong>以上。</span></section><section ><br /></section><section ><span ><strong><span style="color: rgb(33, 89, 103)">2、定期寿险该保到多少岁？</span></strong></span></section><section ><br /></section><section ><span >定期寿险的保障期间注意一点即可：</span><strong><span >一定要覆盖到自己的家庭经济责任结束。</span></strong></section><section ><br /></section><section ><span >具体到多少岁，一般就是退休之后，<strong>60岁</strong>前后，</span></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">此时自己不再是家庭经济来源，子女开始有自己的收入，房车贷款一般也已经还清。</span></section><section ><br /></section><section ><span >如果想保障长一些可选保至70岁，但更长就不建议了。</span></section><section ><span > </span></section><section ><strong><span style="color: rgb(33, 89, 103)">3、</span></strong><strong><span style="color: rgb(33, 89, 103)">定期寿险需要给家里孩子、老人买吗？</span></strong></section><section ><span > </span></section><section ><span >如果不是家庭经济支柱，不要买寿险，这里来解释下。</span></section><section ><span > </span></section><section ><strong><span >因为买寿险的意义在于防范家庭经济支柱死亡而带来的财务风险。</span></strong></section><section ><span > </span></section><section ><span >显然，孩子和老人是没有经济责任的，一般也不会成为家庭的经济来源，他们买定期寿险就背离了保险初衷。</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">撇开感情因素来说的话，孩子和老人的离去不会给家庭经济造成毁灭性打击。</span></section><section ><span > </span></section><section ><span >所以，给孩子配置好<strong>重疾险+医疗险+意外险</strong>就行，老人买<strong>百万</strong><strong>医疗险+意外险</strong>即可。</span></section><section ><span ></span></section><p ><br /></p><section ><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></section><section ><span ><br /></span></section><p ><span >最近接连推出的这两款定期寿险新品都很优秀，</span></p><p ><span ><br /></span></p><p ><span >特别是<strong>大麦2021</strong>更是替代了瑞和2020坐上了<strong>定期寿险</strong><strong>第一推荐</strong>的宝座。</span></p><p ><span ><br /></span></p><p ><span >本文中评测到的所有产品都能在“</span><strong >懂保爷</strong><span >”公众号“</span><strong >精选保险</strong><span >”菜单，或点击文末</span><strong >“阅读原文”</strong><span >找到详细了解、在线投保。</span></p><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 ><span >大家如果有疑问，欢迎</span><strong >添加保爷助手微信：dongbaoye888</strong></span></section><section ><br /></section><section ><span >让助手安排1对1老师提供<span style="color: rgb(0, 0, 0)">专业</span>保险咨询规划服务<span style="color: rgb(0, 0, 0)">。</span></span></section><section ><br /></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790666&idx=1&sn=13444bb31aa15257db78b85e94f83a84&chksm=b2b0750885c7fc1e38d140e491459531748e517fbd5b5e0f86df5c21180741e4f23710111ae3&scene=21#wechat_redirect" tab="innerlink" ><span >一文读懂「寿险」</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788315&idx=1&sn=41b5c61ee5439095ad39fd5af5358294&chksm=b2b06e5985c7e74f9e63153693c8992e5d72484ead21a83f19b86ec74207df1ec3e0c65f4317&scene=21#wechat_redirect" tab="innerlink" ><span >重回巅峰！瑞和2020定期寿险升级后无敌了</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788949&idx=1&sn=5a7c24f185e3052e05235eeb6eacb94f&chksm=b2b06cd785c7e5c14be6149a1ad036d92f2b0bcd4079ed26beaa82d939d637ce995e9d55b6ae&scene=21#wechat_redirect" tab="innerlink" ><span >定期寿险底价再刷新！定海柱2号，来了</span></a></section><section ><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></section><section ><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"></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"><span >买保险时的「健康告知」以及「核保」，到底该怎么处理？</span></a><br /></section><section ><br /></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，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>
