<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%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" /></span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >教大家一下，怎么给</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >60岁老人买保险。前提是花钱一定要少，而且能买对买得到很重要。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >老年人最怕来什么？其实就是</span><span text >癌症</span><span text >。在治疗过程中，老人遭罪，还动不动要花费几十万，普通家庭可能就直接拖垮了子女。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以作为子女来说，花很少的钱，给父母买一份医疗险，是很有必要的。</span><span text >关键时刻，能让老人安心治疗，自己也不被拖累。</span></span></font></p><section nodeleaf=""></mp-common-videosnap></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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)"><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给父母买保险，应该选择哪些呢？</span></span></font></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >首先是医保，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">城市叫居民医保，农村叫新农合</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，这个一定要买，医保可以报销一部分医疗费，是每个人最基础的保障，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">有了医保再买商业保险</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，价格会便宜很多，报销比例也更高。</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 >其次是</span></span><span style="color: rgb(235, 201, 0); text-align: justify">意外险</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，爸妈上了年纪，腿脚没以前灵活，买份意外险能够报销因摔伤、烫伤等意外产生的医疗费。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后是</span></span><span style="color: rgb(235, 201, 0); text-align: justify">百万医疗险</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，一般有上百万保额，可以报销高昂的住院医疗费，不限社保范围，是医保很好的补充。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过大多数百万医疗险，对于老人的身体状况核查相对严格，如果买不了的话，可以考虑</span></span><span style="color: rgb(235, 201, 0); text-align: justify">防癌医疗险搭配惠民保</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，保障也很不错。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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)"><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >金医保</span></span></font><font face="Noto Sans SC"><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >和好医保</span></span></font></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，应该怎么选？</span></span></font></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这里我们重点看下防癌医疗险，我选了市面上比较热门的</span><span text >金医保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1号Pro父母防癌医疗险（升级版）</span><span text >和</span><span text >支付宝好医保防癌医疗险</span><span text >，大家对比看下怎么选择。</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%2FiaZHDj9icvRXMfvGosbic4MxKJ0Eu5DnInP6XkhrJP1G9gKhV3Oaib0v4pFGbWibYDSM1zNQ5AWicJMibex9aXhHv49gOWvqReTPaP3dQ0jd4WBNNk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMfvGosbic4MxKJ0Eu5DnInP6XkhrJP1G9gKhV3Oaib0v4pFGbWibYDSM1zNQ5AWicJMibex9aXhHv49gOWvqReTPaP3dQ0jd4WBNNk/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 >这两款产品都是</span></span><span style="color: rgb(235, 201, 0); text-align: justify">终身保证续保</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，只要你第一年顺利买进去，之后不管理赔过癌症、身体变差、产品停售，都能接着续保。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >基本的保障比如癌症住院、特殊门诊、住院前后</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >30天门急诊、院外抗癌特药，都涵盖了，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">而且是0免赔</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，经医保结算之后正常情况下都能</span></span><span style="color: rgb(235, 201, 0); text-align: justify">100%报销。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >投保年龄好医保更友好，</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">到</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">80岁都能投</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，金医保1号只能到75岁。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看定点医院报销，金医保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1号全国所有三甲公立医院就医，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">都直接100%报销，二甲医院则是报90%。</span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOs5WObZE95spic5fOIENiadiaEZvX52K8nTbHQMYG4QRGPyqpgicib29xYjJoF7ibBWHbV8Ek9ic6u2GibnBvQP980wTOYMtbx7Vh5Jzo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOs5WObZE95spic5fOIENiadiaEZvX52K8nTbHQMYG4QRGPyqpgicib29xYjJoF7ibBWHbV8Ek9ic6u2GibnBvQP980wTOYMtbx7Vh5Jzo/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 >而好医保是</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">指定的</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">56家医院才能100%报销</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，如果说老人计划长期在本地普通三甲就医，不在指定名录里，长期下来自付部分就会很多，</span><span text >这个隐形的坑点大家一定要注意。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这一点在外购药上面，也是同样的道理，金医保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1号不限医院，好医保有指定的地方。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >质子重离子这块，好医保是直接写进主险，终身跟着保单走，不用后期额外花钱附加，而金医保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1号是首年赠送，第二年需要自己附加，不是主险自带终身保障，这一点要注意。</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"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >价格对比，金医保性价比更高</span></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后看下价格，以</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >60岁为例，有社保情况下，首年保费，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">金医保1号是1067元/年，好医保是1149元/年。</span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNddnRfuJ8xib1htLjeAk6kKo6wPgrsiawQES9nibJqFJQwhjrAiaic6NibibyjSmxb2MmjpbjmRxhgyhH990uibguE2GGGXXwdpy1c0mg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNddnRfuJ8xib1htLjeAk6kKo6wPgrsiawQES9nibJqFJQwhjrAiaic6NibibyjSmxb2MmjpbjmRxhgyhH990uibguE2GGGXXwdpy1c0mg/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 >整体来看，金医保</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1号Pro不指定医院，价格也更便宜，该有的保障都有，整体优势要强一些。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果不清楚</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >家里父母</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >的体检报告能不能正常投保，可以扫码添加下方微信，</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 style="color: rgba(0, 0, 0, 0.9)"><br /></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%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"><span ><br /></span></section><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 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></span></section><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%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); 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>
