<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><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%26retryload%3D1%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&retryload=1#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><p ><b><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >患过癌症也能买的百万医疗险，终于等到了。</span></span></font></b></p><p ><b><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这些年，有多少人是因为健康问题，买不了百万医疗险的，这次给大家保证，全都能买到了。</span></span></font></b></p><section nodeleaf=""></mp-common-videosnap></section><p ><b><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></b></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >超越保和星相守2号对比，有何不同？</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近，复星联合推出了一款新的百万医疗险，是</span><span text >超越保支持</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >0免赔的计划二版本。</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span><br /></span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它不询问任何健康情况，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">哪怕有三高、结节，甚至得过癌症的，都能买。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >显然不是一款正常的百万医疗险，对吧？因为我们都知道，正常的百万医疗险都是有健康告知的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >那么，它和同样是复星联合旗下的，另外一款正常的百万医疗险，</span><span text >星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号</span><span text >相比，有什么区别呢？</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >带大家详细测评一下。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMoEddbtKj9JuvZLrDHQ5Y30iaOjldMZvEKR2XMto6wSqIMqCJGHkHQ9rYGG73k6tvgNBHVAmQYl3sJ2jXVdLga1MMInicllLmGA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMoEddbtKj9JuvZLrDHQ5Y30iaOjldMZvEKR2XMto6wSqIMqCJGHkHQ9rYGG73k6tvgNBHVAmQYl3sJ2jXVdLga1MMInicllLmGA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >超越保不问健康告知，癌症也能买</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >健康告知这块，超越保明显更宽松，它投保时不问健康告知，哪怕你有高血压、糖尿病、甲状腺结节等，也都能买。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对于投保前已存在的疾病，比如</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">肺结节、乳腺结节、息肉等等，后续相关治疗也能</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">100%报销。</span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMWDHPhvWcLsmgEYVRFGQMpExic4od1L9od4j0IImEa04q0GsOUgkxziaWRFSRkQSB0aU4pjZW4bMDWqDcmGIwgTEz0151YicrLyY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMWDHPhvWcLsmgEYVRFGQMpExic4od1L9od4j0IImEa04q0GsOUgkxziaWRFSRkQSB0aU4pjZW4bMDWqDcmGIwgTEz0151YicrLyY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span><span style="color: rgba(0, 0, 0, 0.9)"><span text > </span></span></p><p ><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">并且对</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">6类严重既往症也是敢保敢赔的</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，投保后第二年就能开始享受保障。也就是说，你现在买了这款产品，哪怕之前得过癌症、冠心病，后续的治疗费也能正常报销。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过要注意，</span></span></font><font face="Noto Sans SC"><span style="color: rgb(235, 201, 0); text-align: justify">10年保证续保期内，严重既往症累计理赔上限是5000元，</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >虽然能报，但是额度不算高。这个我觉得可以理解，因为比较是严重既往症，相当于保险公司已经知道你带病投保，也是可以赔的。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOe7H6qCDbLTx2YuNuB6X6akgBvyDLiahkUg0qibXdFfG5RxHHu7fdibnEVV96PbHftfb7F2HwBCMhY6l83zQe8LSH63Fmic2UTZDg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOe7H6qCDbLTx2YuNuB6X6akgBvyDLiahkUg0qibXdFfG5RxHHu7fdibnEVV96PbHftfb7F2HwBCMhY6l83zQe8LSH63Fmic2UTZDg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXP4WiaxuJf174bXdNoY88ibicoEibR2BVlEeFbqmd6iaoI19NqwlpDdvqiaBjgk8VmsasssN3kgic0gJ9Qnv5WKa0icm38M58ibfnjAQseA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP4WiaxuJf174bXdNoY88ibicoEibR2BVlEeFbqmd6iaoI19NqwlpDdvqiaBjgk8VmsasssN3kgic0gJ9Qnv5WKa0icm38M58ibfnjAQseA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >相比之下，星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号核保就相对严格一些，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">身体有三高、结节这些异常的，比较严重的情况下，很可能就买不了。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >保障内容，有何区别？</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看下保障内容。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >对于一般医疗，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">超越保和星相守</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">2号都是0免赔</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，也就是说任何情况下住院产生的自负费用，都可以报销。</span></span></font></p><p ><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">最高报销额度都是</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">200万</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。区别在于重大疾病的报销，对于重大疾病，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">超越保最高的报销额度是200万，而星相守2号则是400万。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >其余保障方面，两者都有外购药和外购医疗器械的报销，不过星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号对于一般的药品，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">取消了药品清单限制</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，只要医生说是治疗必需的药品，它都给报销。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXP3CaASoL4ycUdsT7le0CBq5Qw95gfehwASicJQZwsSeIlLW0aSMr7LWBSo81pHI6vaguPRd2jQNALWWAxuU8XVulPK1ZFUdC6U%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP3CaASoL4ycUdsT7le0CBq5Qw95gfehwASicJQZwsSeIlLW0aSMr7LWBSo81pHI6vaguPRd2jQNALWWAxuU8XVulPK1ZFUdC6U/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOIfBqGibibIz6CXCtoDQAUgVBfynwOXRMEtqvs2QBI4eONicq6yvuPrvdsicDYUJ2CVOMdCWX0iaHRvSyB2l5FomT8fC6kAzb0G4zY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOIfBqGibibIz6CXCtoDQAUgVBfynwOXRMEtqvs2QBI4eONicq6yvuPrvdsicDYUJ2CVOMdCWX0iaHRvSyB2l5FomT8fC6kAzb0G4zY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超越保则相对严格一点，必须是认定的医疗机构专科医生开具的。但是影响不大。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXN4rqD2ENXG9CL0sViaqwibia0bVSZMdVYV14pnl0gyqFsgyicY4KAMJcPvexeGXCJF5BsPZaqmibYzia6I9UfdnSTTjCibOzPQCBcwVY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXN4rqD2ENXG9CL0sViaqwibia0bVSZMdVYV14pnl0gyqFsgyicY4KAMJcPvexeGXCJF5BsPZaqmibYzia6I9UfdnSTTjCibOzPQCBcwVY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >此外，超越保还自带</span></span><span style="color: rgb(235, 201, 0); text-align: justify">重</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">大既往症医疗金、癌症特需医疗、重疾或</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">ICU住院津贴、重疾异地转诊公共交通/住宿费用、和重疾康复金</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这些特色保障，也都比较实用。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOMdt8pXq7xj1p3TIJEXicvGicbOtB8WoRgdWy3rKBtByyIDoVlvdIERU6t7C8ExK0KaNmXWqYSBK803rEcShFa6ecte7uELhafI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOMdt8pXq7xj1p3TIJEXicvGicbOtB8WoRgdWy3rKBtByyIDoVlvdIERU6t7C8ExK0KaNmXWqYSBK803rEcShFa6ecte7uELhafI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPgb2xus7WiceIOMglqD274hsicnib9w7h9czicUOg4ssqA813ypibZ4eJlC3y5nEVGgnGwMTlHsVrRSDeqIjqank2VyhK99odsQay8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPgb2xus7WiceIOMglqD274hsicnib9w7h9czicUOg4ssqA813ypibZ4eJlC3y5nEVGgnGwMTlHsVrRSDeqIjqank2VyhK99odsQay8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOdxpwhR2NCBoX1QBaRRxI8OEnlWogUk7YhGS0qSw7OP4ibHxZSdAlibzV0BlQkN3QiaOpv7V5Ktu0Y99JXcTIviaqJxsibfvUHZsXk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOdxpwhR2NCBoX1QBaRRxI8OEnlWogUk7YhGS0qSw7OP4ibHxZSdAlibzV0BlQkN3QiaOpv7V5Ktu0Y99JXcTIviaqJxsibfvUHZsXk/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOUicPpa6PWaBs4RibLbQdJJPrxCm6ldNclVfsLgkh9mKJV3F4qVJzqibZfFszA0d1VIGZ4cSaOJBVFenlOGiaM8G4M0vTwImyOkfs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOUicPpa6PWaBs4RibLbQdJJPrxCm6ldNclVfsLgkh9mKJV3F4qVJzqibZfFszA0d1VIGZ4cSaOJBVFenlOGiaM8G4M0vTwImyOkfs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >保证续保这块，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">超越保是</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">10年，星相守2号是20年</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >因为一个是不正常的免健康告知产品，一个是正常的产品，保证续保期不一样也很正常。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >超越保的保证续保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >10年，也已经领先免健告的同行业产品了，很多产品大多数都是一年一保，万一今年生病理赔了，明年保险公司可能就不让你续了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看院外癌症靶向药这块，两者都是医保结算之后</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >0免赔、100%报销。超越保一共</span></span><span style="color: rgb(235, 201, 0); text-align: justify">覆盖199种特药种类，还包含7款CAR-T</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，不用额外附加。星相守2号癌症特药则是</span></span><span style="color: rgb(235, 201, 0); text-align: justify">195种+3 种CAR-T</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，而且要注意，它的癌症特药属于可选责任，投保的时候要手动勾选。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPRk4cTDiabeibULYYXqj5ISDG1qjkapJa2ia6fas5nkmgiaKLw3pnMPESK5ibfHzM81Bj5HMBsmb4EzbVNWqqF6hSg2CWxsKhlsS34%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPRk4cTDiabeibULYYXqj5ISDG1qjkapJa2ia6fas5nkmgiaKLw3pnMPESK5ibfHzM81Bj5HMBsmb4EzbVNWqqF6hSg2CWxsKhlsS34/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以总体的保障责任对比下来，两种百万医疗险的差别其实是不大的，该有的都有。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">四</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >价格对比，星相守2号性价比更高</span></span></strong></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后我们对齐责任，测算价格：</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >假设</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >40岁时投保，要告知的星相守2号1万免赔情况下，一年326；要告知的星相守2号0免赔情况下，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">一年595</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >；免健康告知的超越保无忧版0免赔情况下，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">一年1051。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同样选择</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >0免赔的话，很明显，超越保比星相守2号要贵一些。40岁时相差400来块，50岁时相差300来块。如果星相守2号选择1万免赔的话，价格就更便宜了。</span></span></font></p><p ><font face="Noto Sans SC"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPukgdicDQ14fvVVjUYTfLX85wlX9nHAAaIZ1JScHZ90Iacmx3tSHI9BAUPZ6CXiaAGuC3GdzVnAFrVKyPmrss9MUNXibbQuVaxbk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPukgdicDQ14fvVVjUYTfLX85wlX9nHAAaIZ1JScHZ90Iacmx3tSHI9BAUPZ6CXiaAGuC3GdzVnAFrVKyPmrss9MUNXibbQuVaxbk/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以大家有没有发现一个问题，影响百万医疗险价格的主要因素，一个是免赔额，到底是</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >0免赔，还是1万免赔；一个是健康告知，到底是有告知，还是免健康告知。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果身体没有大的异常，肯定优先考虑需要告知的正常的百万医疗险，性价比更高。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果身体不好买不了星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号，那肯定就是直接买超越保这种不用任何健康告知的产品，这个时候能买到是最重要的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >听完这起测评，还是</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不清楚自己的体检报告能不能正常投保，可以</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给我留言「百万医疗」</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >把情况发过来，我</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >们来协助你</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >核对</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。一方面核对核保情况，一方面核对保障内容。看最终买哪款更划算。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >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：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的产品测评表</span></span></p><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%2FiaZHDj9icvRXPBm10L6kk9Ov7JUEiavibT5ibtHvMGzrvrLng0ib1O2MLI7NTibCnySbcEzSMw1Z37OIavphHHVmDxMDemRKgRd3rKzhKmDHUvNwb8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D6" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPBm10L6kk9Ov7JUEiavibT5ibtHvMGzrvrLng0ib1O2MLI7NTibCnySbcEzSMw1Z37OIavphHHVmDxMDemRKgRd3rKzhKmDHUvNwb8/640?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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-最新更新的2类7大保险榜单</span></span></p><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%2FiaZHDj9icvRXOSaBeGMTPIxqDNzv4icMJ0cOI2ibq4zSUVCibjWBYNFvgDKticJW2YyWGXzW9RCx25ibic5HAT3L2YficfU5ypz14iciblZBZBDC9EoA1g%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOSaBeGMTPIxqDNzv4icMJ0cOI2ibq4zSUVCibjWBYNFvgDKticJW2YyWGXzW9RCx25ibic5HAT3L2YficfU5ypz14iciblZBZBDC9EoA1g/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=8" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><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_jpg%2FiaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >有需要的可以评论区留言，我们一一发给大家。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
