<section ><br /></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTaWZ6blgznzy5ibZh5ZAI0TicJzTRa2lCk25micj8KQ4ic97VQzOar7xz5w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTaWZ6blgznzy5ibZh5ZAI0TicJzTRa2lCk25micj8KQ4ic97VQzOar7xz5w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >大家好，我是保爷。</span><br /></section><section ><span > </span></section><section ><span >今天我们来聊聊支付宝里的重疾险——健康福。</span></section><section ><span > </span></section><section ><span >虽然同属蚂蚁保险一家，但“健康福”其实没有像兄弟“好医保”那样靠口碑出道，</span></section><section ><span > </span></section><section ><span >保爷曾经在评测<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787051&idx=1&sn=b727cef3573030a0478f5c72f18d5e34&chksm=b2b0636985c7ea7f04df63872c90bf9ff5aef756eb21f46dbf5ea40690f1015e96fa9951f373&scene=21#wechat_redirect" textvalue="支付宝里的“蚂蚁保险们”时" tab="innerlink">支付宝里的“蚂蚁保险们”时</a>，对于健康福的评价也不是很高。</span></section><section ><span > </span></section><section ><span >但作为最接近消费者的互联网保险<span style="color: rgb(127, 127, 127)">（支付宝加成）</span>，很多被线下保险<span style="color: rgb(127, 127, 127)">（如平x福）</span>坑过的投保人，</span></section><section ><span > </span></section><section ><span >在放弃线下保险，初次投身互联网保险时，肯定是把它放在备选清单的。</span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTRMXQiaWcMaaybI0odsExJdjX923RxDLAPr4kLtiaywVQ2tg5Abx50ibmg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTRMXQiaWcMaaybI0odsExJdjX923RxDLAPr4kLtiaywVQ2tg5Abx50ibmg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >并且就实际来看，一直以来也都有朋友来咨询保爷支付宝的健康福重疾险。</span></section><section ><span > </span></section><section ><span >保爷今天就来带大家捋捋：</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span >健康福这个出生自带支付宝光环的产品，为什么没能在互联网重疾险头部占得一席之地？</span></strong></span></section><section ><span > </span></section><section ><span >我们先来看健康福的保障责任：</span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuHlAQWmmxjcpM4dGH2AjcT7vUic87ic4vPHl5sytZadI2WoMVWm0y2N59XtzWicUuqat0z5k7fQOaOg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuHlAQWmmxjcpM4dGH2AjcT7vUic87ic4vPHl5sytZadI2WoMVWm0y2N59XtzWicUuqat0z5k7fQOaOg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span ><strong>1</strong><strong>、前10年罹患重疾时额外赔付30%重疾保额。</strong></span></section><section ><span > </span></section><section ><span >意思很简单，投保50万，如果前10年就患大病出险，会赔付50+（50*30%）=65万。</span></section><section ><span > </span></section><section ><span ><strong>2</strong><strong>、自带恶性肿瘤多次赔付<span style="color: rgb(127, 127, 127)">（非可选责任）</span>，也就是常说的癌症多次赔付。</strong></span></section><section ><span > </span></section><section ><span >这项保障是在基础重疾赔付1次的基础上，可额外赔付2次癌症疾病。</span></section><section ><span > </span></section><section ><span >如果第1次重疾出险是癌症，第1、2次和第2、3次癌症赔付都要间隔3年。</span></section><section ><span > </span></section><section ><span >如果第1次重疾出险不是癌症，第1、2次的赔付间隔期只要1年，第2、3次赔付还是3年。</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">注：这项责任只保障恶性肿瘤（癌症）。</span></section><section ><span > </span></section><section ><span ><strong>3</strong><strong>、中轻症也有保障责任。</strong></span></section><section ><span > </span></section><section ><span >罹患20种中症之一，可以赔付50%重疾保额，最多3次；</span></section><section ><span > </span></section><section ><span >罹患40种轻症之一，可以赔付30%重疾保额，最多3次。</span></section><section ><span > </span></section><section ><span ><strong>4</strong><strong>、可附加特定疾病保额翻倍责任。</strong></span></section><section ><span > </span></section><section ><span >该项责任是如果罹患32种特定疾病，额外赔付100%重疾保额。</span></section><section ><span > </span></section><section ><span >其中未成年人12种、成年男性11种、成年女性9种。</span></section><section ><span > </span></section><section ><span ><strong>看完后，感觉好像还行？</strong></span></section><section ><span ><strong> </strong></span></section><section ><span >但保爷要说了，这完全就是因为没有对比就没有伤害的结果。</span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTqO5iasTz5BkGB0pPibMsTjxfzkJy4cPpjibfibX80Zt5iaQQauR6cUDD3Ow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTqO5iasTz5BkGB0pPibMsTjxfzkJy4cPpjibfibX80Zt5iaQQauR6cUDD3Ow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >直接跟当下第一推荐的<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="无忧人生2020" tab="innerlink">无忧人生2020</a>比一下保障责任，对比结论如下：</span></section><section ><span > </span></section><ul ><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">无忧人生50岁前患大病额外赔付150%，50-60岁额外赔付160%，而健康福，不仅只在前10年赔付，额外赔付比例也只有30%；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">无忧人生的癌症多次赔付是可选的，健康福则是捆绑在一起的；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">无忧人生中症赔付比例60%起步，最高65%，比健康福高出10%-15%；</span></p></li><li style="color: rgb(136, 136, 136)"><p><span style="color: rgb(136, 136, 136)">无忧人生轻症赔付比例45%起步，最高55%，比健康福高出15%-25%。</span></p></li></ul><section ><span > </span></section><section ><span >至于无忧人生的其他责任，像可附加心脑血管疾病二次赔付、投保人豁免之类的保爷就不多说了。</span></section><section ><span > </span></section><section ><span >因为健康福都没有，可能有人会说：</span></section><section ><span > </span></section><section ><span ><strong>那无忧人生不也没特定疾病翻倍赔付吗？</strong></span></section><section ><span > </span></section><section ><span >确实，特定疾病可以额外赔付100%是很美好，但我们看不到的是：所要交的保费也会额外增加50%。</span></section><section ><span > </span></section><section ><span >而这并不是个小数字。</span></section><section ><span > </span></section><section ><span >在已经捆绑癌症多次赔付后，保爷不建议附加这一项。</span></section><section ><span > </span></section><section ><span >而且对于无忧人生2020来说，特疾翻倍赔付也是有的，但有点不全。</span></section><section ><span > </span></section><section ><span >比如它的可选的<strong>少儿特疾责任</strong>，就相当于健康福32种特疾翻倍之中的<strong>12种未成年人特疾责任</strong>。</span></section><section ><span > </span></section><section ><span >那像健康福这种保障较差的重疾险，会不会保费也较低呢？</span></section><section ><span > </span></section><section ><span >关于这点大家就不要抱有期望了，我们看一下无忧人生2020和健康福的保费对比：</span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTBTHMSFVl6FGFWc2VbHGHwHI8ht7W1pW7R2c94wttKBicLuY7d5MvKMw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuHlAQWmmxjcpM4dGH2AjcTBTHMSFVl6FGFWc2VbHGHwHI8ht7W1pW7R2c94wttKBicLuY7d5MvKMw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >因为健康福捆绑了癌症多次赔付，也不能附加心脑血管多次赔付责任。</span></section><section ><span > </span></section><section ><span >所以表中只有一项可以对比，但无忧人生的其他两项保费可以一起参考下。</span></section><section ><span > </span></section><section ><span >并且无忧人生2020还支持保障至70岁/80岁，对于预算紧张打算投保定期重疾险的朋友来说，是个非常不错的选择。</span></section><section ><span ><br /></span></section><section ><span >拿可对比的一项来看，结果很明显：健康福居然还贵了。</span></section><section ><span > </span></section><section ><span >男性贵了500元左右，女性也贵了有近100元。</span></section><section ><span > </span></section><section ><span ><strong>而无忧人生2020在附加癌症、心脑血管疾病两项多次赔付后，</strong></span></section><section ><span ><strong> </strong></span></section><section ><span ><strong>男性的投保价格竟然还比只附加一项的健康福便宜。</strong></span></section><section ><span > </span></section><section ><span >真的可以说是身为互联网保险，却染上了线下保险的病<span style="color: rgb(127, 127, 127)">（开个玩笑，比线下保险还是好上不少的）</span>。</span></section><section ><span > </span></section><section ><span >当然了，有着支付宝的背书，健康福即便不用很努力也能获得一定的成果。</span></section><section ><span > </span></section><section ><span >这是其他重疾险所没有的优势，</span></section><section ><span > </span></section><section ><span >可惜的是，健康福原本可以凭借这一点做得更好。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>结语</strong></span></section><section ><span > </span></section><section ><span >总的来说，健康福给保爷的印象是“不思进取”，</span></section><section ><span > </span></section><section ><span >明明都是含着金汤匙出生，却远没有同胞好医保那般努力。</span></section><section ><span > </span></section><section ><span >好医保每次更新，即便谈不上第一，但至少没在百万医疗险中掉队，并且一直保持着价格优势。</span></section><section ><span > </span></section><section ><span >但反观健康福，在竞品不断提升保障，像额外赔付都做到了前60岁赔付160%这样时，</span></section><section ><span > </span></section><section ><span >它还在抱着古老的保障标准<span style="color: rgb(127, 127, 127)">（如前10年额外赔付30%）</span>不撒手。</span></section><section ><span > </span></section><section ><span >同样作为“富二代”，好医保已经开始为蚂蚁保险大“家庭”做出贡献，健康福还在“坐吃山空”。</span></section><section ><span > </span></section><section ><span >这不仅是一步差导致步步差的掉队，还是一种不思进取的怠惰。</span></section><section ><span ><br /></span></section><section ><span >当然了，对于健康福到底有没有性价比这回事来说，</span></section><section ><span ><br /></span></section><section ><span >也要看具体产品的对比，就像前面说的对比平x福的话，健康福的性价比还是不错的。</span></section><section ><span ><br /></span></section><section ><span >但对比无忧人生2020这类第一梯队的高性价比重疾险的话，就会明显的暴露短板。<br /></span></section><section ><span ><br /></span></section><section ><span >而对我们投保人来说，肯定是希望买到保障和保费兼顾的产品，<br /></span></section><section ><span ><br /></span></section><section ><span >也希望在接下来的产品迭代后，健康福能够跻身主流重疾险产品之列，为投保人提供更多的选择。<br /></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">写在最后</span></strong></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保险的信息不对称问题太严重，十买九坑！</span></section><section ><br /></section><section ><span style="color: rgb(26, 26, 26); text-align: start">保爷强烈建议大家买保险前先看看<strong >微信公众号</strong><strong ><span >【</span>懂保爷</strong>】里的评测文章并咨询保爷，能帮你省钱50%避坑100%。</span></section><section ><br /></section><section ><span >如果对保险有疑问，欢迎<span style="color: rgb(26, 26, 26); text-align: start">留言或者私信保爷（保爷微信：</span></span><span style="color: rgb(26, 26, 26); text-align: start">dongbaoye999）。</span></section><section ><br /></section><section ><span >相信保爷一定能给你一些专业的建议，帮你花最少钱买对保险不掉坑！</span></section><section ><span ><br /></span></section><section ><span >相关阅读：</span></section><section ><span ><br /></span></section><section ><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 style="text-align: start">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 ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787051&idx=1&sn=b727cef3573030a0478f5c72f18d5e34&chksm=b2b0636985c7ea7f04df63872c90bf9ff5aef756eb21f46dbf5ea40690f1015e96fa9951f373&scene=21#wechat_redirect" tab="innerlink" ><span >深度评测支付宝里的“蚂蚁保险”们：哪些爆款值得买？</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786543&idx=1&sn=3be364f7fbf260df5712389e750166a6&chksm=b2b0656d85c7ec7b09525b97c0676bfc78b1be62b30c913848fc0a81867de02333b38675a902&scene=21#wechat_redirect" tab="innerlink" ><span >平安福2019Ⅱ重磅升级：看前平安人如何给出史上最中立评测？</span></a><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)">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>
