<section ><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></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大家常见的百万医疗险，通常是支付宝上的好医保。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >现在好医保又最新上线了</span><span text >旗舰版</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2026</span><span text >，这个产品在百万医疗险市场上到底怎么样呢，是最值得买的吗？</span></span></font></p><section nodeleaf=""></mp-common-videosnap></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section 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></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >百万医疗险，为什么一定要买？</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >几百块就能撬动百万保额，百万医疗险，确实是大多数家庭，应该考虑的第一份保险。</span></span><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它价格非常便宜，</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">30岁左右买，两三百块钱每年，50多岁买也就800-1000每年。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这样的保费，对于很多家庭来说压力不大，但报销的额度却很大，</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">基本在</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">400万甚至600万</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，而且不管得了什么疾病，达到1万的免赔额后，剩余的部分都可以报销。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >并且</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">百万医疗险不限医保范围</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，医保范围内能报的费用它可以报销，医保范围内不能报的一些自费部分，它也可以报销。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section 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></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >支付宝好医保，有哪些优劣势？</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接下来，我们详细看一下</span><span text >好医保旗舰版</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2026的细节保障条款。</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%2FiaZHDj9icvRXP0cic2EdChhoY1QpFJ2jFoXMyicaB8OWWO8ouGOql34ng7fesXYfPqRUO95uolGNk9nE1MFcex0s63IY2WyHu3c0u7ibdgOxcXN8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP0cic2EdChhoY1QpFJ2jFoXMyicaB8OWWO8ouGOql34ng7fesXYfPqRUO95uolGNk9nE1MFcex0s63IY2WyHu3c0u7ibdgOxcXN8/640?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 >先看跟之前的变化，是它</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">增加了</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">7种特定结节和息肉的保障</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，具体哪些部位我也整理好放在这里了。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXP6osgxSVR4M0mP5cicjUmaBlxGrNicbMSRQjKcLHwAic42LzhyBDMSTrZoGFNuDGlxSTDM30GZsenApkskib9785cC4CuuQlDMQYw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXP6osgxSVR4M0mP5cicjUmaBlxGrNicbMSRQjKcLHwAic42LzhyBDMSTrZoGFNuDGlxSTDM30GZsenApkskib9785cC4CuuQlDMQYw/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 >这个保障内容是，</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">如果需要做切除手术，是</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">0免赔的，而且100%报销门诊手术、住院的医疗费。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOmSxWQOY9a2DSnwvngyD7gNGRas4ZAeJ2JroTOLhd84qxN8RXddYjibxZU1wSkX64eJzb4uL1MUZL4VgMymvyX5GV6nAQgUicJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOmSxWQOY9a2DSnwvngyD7gNGRas4ZAeJ2JroTOLhd84qxN8RXddYjibxZU1wSkX64eJzb4uL1MUZL4VgMymvyX5GV6nAQgUicJg/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 >而术后的复查，</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">也可以</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">100%报销特定部位的检查费用。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这项保障还是很实用的，之前结节切除只能报</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >30%，现在可以报100%，相当于提高了结节的报销比例，将来复查也不用自己再掏钱。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过需要注意的是，这项责任</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">仅针对投保后新发的结节，且接受了特定的手术，才可以</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">0免赔报销。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >投保前已经发现的结节等，属于既往症，后续治疗一分不报。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看合作的质子重离子诊疗中心，</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">也从</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">10家增加到13家</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，选择更多了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >价格上差的不多，新版保费</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">涨了</span></span></font><font face="Noto Sans SC" style="color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">9块到100多块。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNK4HPcedRQLPSVCy5XPIicBibxtZO5d8dnKdFNAgoKGSiaKTmpY7u5hzUPYFXWXOqtJmPGpsPX5ibxb6g3PKOicrVdHqAKseCMW7H4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNK4HPcedRQLPSVCy5XPIicBibxtZO5d8dnKdFNAgoKGSiaKTmpY7u5hzUPYFXWXOqtJmPGpsPX5ibxb6g3PKOicrVdHqAKseCMW7H4/640?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 >而之前的优势保障，也都保留了，比如</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >20年保证续保，医院外需要买的药品器械可100%报销</span><span text >；</span><span text >癌症及11种心血管疾病，可终身续保、住特需、指定私立</span><span text >，享受更好的就医条件。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过，也有几个点要特别注意。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一方面，是</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">它的责任免除依然严格</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，对</span><span text >颈椎、腰椎</span><span text >等高发疾病，依旧不能报销医疗费；</span></span></font></p><p style="text-align: center"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNk3QEM214nE60cG7eOicTrt9flAozThZgHEcWqdhPrLfuxQ5CC2f4bwEgQTicPg6OlOnFLkugC05E7xut9185y4yffakRu7X0rs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNk3QEM214nE60cG7eOicTrt9flAozThZgHEcWqdhPrLfuxQ5CC2f4bwEgQTicPg6OlOnFLkugC05E7xut9185y4yffakRu7X0rs/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"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另一方面，</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">中老年续保价格贵</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，特别是六七十岁时，价格会比同类产品贵不少。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section 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></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >和热门产品星相守2号相比，价格偏贵</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这里我把新保、续保价格，和市面上热门产品</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 >作个对比，大家可以直观的感受下。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOXk0P8WIiawGkz9j0HLcNjfMgEc4SodFkVdQneQmrKUd9k85HHesGW3q6NUekx2ySJTmG9U4Wnt6p0WGBXgYt9ZRCpQWlrN8ibI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOXk0P8WIiawGkz9j0HLcNjfMgEc4SodFkVdQneQmrKUd9k85HHesGW3q6NUekx2ySJTmG9U4Wnt6p0WGBXgYt9ZRCpQWlrN8ibI/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 >可以看到，相比较星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号，都是0免赔的情况下，好医保价格还是偏贵的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">50岁续保价格，好医保要2235.1元，星相守2号只要2084元。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">60岁续保价格，好医保要4398.18元，星相守2号只要3515元。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以在保障几乎同等情况下，我觉得价格是很重要的考量因素。如果一直在支付宝续保好医保，可能是很贵的选择。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果想了解星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号或者其他产品的优缺点，可以评论区留言给我。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><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" 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