<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"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczt5zIWM5ElUkaJW9ssmicibicynibGX8qxL4t7S2CW3beVW3rDIibpwUDfeGoBc5c5OCalibsK4dRgF50iag%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczt5zIWM5ElUkaJW9ssmicibicynibGX8qxL4t7S2CW3beVW3rDIibpwUDfeGoBc5c5OCalibsK4dRgF50iag/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></p><p style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">点上方图片看看【封面图的故事】</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)"><span style="color: rgb(136, 136, 136)">“</span>这款重疾险只能赔1次大病？</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">不行不行，时间长着呢，万一倒霉患2次咋办？</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">给我来个多次赔付的重疾险...<span style="color: rgb(136, 136, 136)">”</span><span style="color: rgb(136, 136, 136)"></span></span></p><p ><br /></p><p ><span ><span >王先</span><span >生</span>买了一款<strong>能赔2次大病</strong>的重疾险，</span></p><p ><span ><br /></span></p><p ><span >可他</span><span >能如愿吗</span><span >？</span></p><p ><span ><br /></span></p><section ><span ><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、多次赔付重疾险的真相</strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >大家想一下，</span><span >王先生</span><span >对这款能</span><span >赔2次大病的</span><span >重疾险</span><span >的</span><strong >心理预期</strong><span >是什么？</span></p><p ><span ><br /></span></p><p ><span >不难猜想应该是：</span></p><p ><span ><br /></span></p><p ><span >第一次得重疾，赔保额；</span></p><p ><span >第二次再得重疾，再赔一次保额。</span></p><p ><span ><br /></span></p><p ><span >例如：</span></p><p ><span ><br /></span></p><ul ><li><p><span style="color: rgb(136, 136, 136)">患了重疾「胃癌」，赔我1次，之后患了<span style="color: rgb(136, 136, 136)">重</span><span style="color: rgb(136, 136, 136)">疾</span><span >「</span>肝癌<span >」</span>，再赔第2次；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">或患了<span style="color: rgb(136, 136, 136)">重</span><span style="color: rgb(136, 136, 136)">疾</span><span >「</span>尿毒症<span >」</span>赔1次，后期做<span style="color: rgb(136, 136, 136)">重</span><span style="color: rgb(136, 136, 136)">疾</span><span >「</span>肾移植<span >」</span>赔第2次；</span></p></li><li><p><span style="color: rgb(136, 136, 136)">又或患了<span style="color: rgb(136, 136, 136)">重</span><span style="color: rgb(136, 136, 136)">疾</span><span >「</span>急性心梗<span >」</span>赔1次，为了治疗两月后做了<span style="color: rgb(136, 136, 136)">重</span><span style="color: rgb(136, 136, 136)">疾</span><span >「</span>搭桥术<span >」</span>，赔第2次...</span></p></li></ul><p ><br /></p><p ><span >但可惜，以上情形王先生没一个能赔到第2次！</span></p><p ><span ><br /></span></p><p ><span >这是为什么？<br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(255, 0, 0)"><span >因为现在<strong>所有</strong>能多次赔付的重疾险，都是<span >“</span><strong>假多次赔付</strong><span >”</span>！</span></span></p><p ><span ><br /></span></p><p ><span >现实中的“多次赔付”重疾险</span><span >分2种情况：</span></p><p ><span ></span></p><p ><span ><br /></span></p><ul ><li><p><span >第一种：第1次患<strong><strong ><span >A/B/C/D任意一种大病</span></strong></strong>，赔；<span >第2次，只赔第1次所患疾病之外的大病</span></span><span style="color: rgb(255, 169, 0)">（如第1次患A，第2次患B/C/D才赔，再<span >患A不赔）</span></span><span >。</span></p></li></ul><p><span ></span></p><ul ><li><p><span >第二种：指定一个疾病（如B），第1次患<strong><span >A/B/C/D任意一种大病</span></strong>，赔；<span >第2次，只有患<strong>B</strong>才赔</span></span><span style="color: rgb(255, 169, 0)">（<span >患其他病不赔）</span></span><span >。</span></p></li></ul><p ><span ><br /></span></p><p ><span >根本做不到王先生心理预期那种”真多次赔付“...<br /></span></p><p ><br /></p><p ><span >那为啥保险公司不肯开发“真多次赔付”重疾险？</span><br /></p><p ><span ><br /></span></p><p ><span >讲白了，<strong>价格高了没人买，价格低了怕赔钱</strong>。</span></p><p ><br /></p><section ><span ><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、多次赔付重疾险的坑不止这些</strong></span></section></section></section></section></section></span></section><p ><span ><br /></span></p><p ><span >我们按照多次赔付的2种情况，分别来看下它们更进一步的坑</span><br /></p><p ><br /></p><p ><strong style="color: rgb(255, 169, 0)">1、</strong></p><p ><strong style="color: rgb(255, 169, 0)"><br /></strong></p><ul ><li><p><span >第一种：第1次患<strong><strong ><span >A/B/C/D任意一种大病</span></strong></strong>，赔；<span >第2次，只赔第1次所患疾病之外的大病</span></span><span style="color: rgb(255, 169, 0)">（如第1次患A，第2次患B/C/D才赔，再<span >患A不赔）</span></span><span >。</span></p></li></ul><p ><span ><span ></span></span></p><p ><span ><br /></span></p><p ><strong><span >坑1：多次赔付重疾险对重疾有</span><strong >分组</strong><span >。</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span >啥是重疾分组？</span></p><p ><span ><br /></span></p><p ><span >就是把大病<strong>根据相关性分为若干组</strong>。</span></p><p ><span ><br /></span></p><p ><span >比如某款热门多次赔付重疾险，它共有<strong>110种</strong>重大疾病，但却分为<strong>6组</strong>：</span></p><p ><span ><br /></span></p><section style="text-align: center"><span style="color: rgb(123, 127, 131)"><strong >滑动查看长图 </strong></span></section><section ><section style="text-align: center"><section ><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvEJPsMzVHvIIicibfkcMSias5qibEFZJQyviaBlv9mcUbKQC2mcRVpsctgth3bKBlgDNzVJADpUWP3yDQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvEJPsMzVHvIIicibfkcMSias5qibEFZJQyviaBlv9mcUbKQC2mcRVpsctgth3bKBlgDNzVJADpUWP3yDQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><p ><br /></p><p ><strong><span >如果患了某一组中的某种疾病，那么第2次再患上这组里剩下的疾病，保险公司就不会赔付了。</span></strong><span ><br /></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">比如患了【<strong>B组</strong>】的心梗，保险公司已经赔付了一笔钱。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">然后为了治疗心梗，要做【<strong>B组</strong>】里的<span >冠状动脉搭桥术</span>，那保险公司就不会再赔了。</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">只有患上的是其它组别（如A组、C组等）里的大病，</span><span style="color: rgb(136, 136, 136)">才会赔。</span><br /></p><p ><br /></p><p ><strong><span >坑2：就算选了重疾不分组赔付的重疾险，也有三同条款的坑</span></strong><span ></span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">不分组赔付是指：假设某款重疾险，保的大病共有100种。<br /></span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">如果赔了其中的一种，那么第2次只要患的<strong>不是上一次同样的病</strong>，那么剩下99种大病保险公司就能赔，不存在分组情况。</span></p><p ><br /></p><section ><span >大多数不分组赔付重疾险都会有<strong>「</strong><strong>三同条款」</strong>，<strong>同一病因</strong>的大病只赔一次！</span><br /></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztosmusjV6F3zVyBqHUGQYwGmDQLXuONh8BnfMf99Hu8K0HmtnY4gURAwN2qjldWafgaq2kvzrSxA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztosmusjV6F3zVyBqHUGQYwGmDQLXuONh8BnfMf99Hu8K0HmtnY4gURAwN2qjldWafgaq2kvzrSxA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><p ><span >现实中患2次大病的几乎全是</span><span style="color: rgb(255, 0, 0)"><strong>关联性疾病</strong></span><span >，</span></p><p ><br /></p><p ><span >即后一种病由</span><span >前一种病导致</span><span >，或者压根就是前一种病的复发、持续。</span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">正常人先得个「尿毒症」，再得个<span >「</span>白血病<span >」</span>，这得多倒霉啊？<br /></span></p><p ><br /></p><p ><span style="color: rgb(136, 136, 136)">但先得个<span >「</span>尿毒症<span >」</span>，然后肾坏了，做个<span >「</span>肾移植<span >」</span>，这是很正常的。</span></p><section ><span ><br /></span><span ></span><span >所以，由于有三同条款，就算不分组，这些同一病因引起的关联性疾病都很难理赔。</span></section><p ><br /></p><p ><span style="color: rgb(255, 169, 0)"><strong>2、</strong></span></p><p ><span style="color: rgb(255, 169, 0)"><strong><br /></strong></span></p><p ><span style="color: rgb(255, 169, 0)"></span></p><ul ><li><p><span >第二种：指定一个疾病（如B），第1次患<strong><span >A/B/C/D任意一种大病</span></strong>，赔；<span >第2次，只有患<strong>B</strong>才赔</span></span><span style="color: rgb(255, 169, 0)">（<span >患其他病不赔）</span></span><span >。</span></p></li></ul><p><br /></p><p ><span >其实就是指定某个疾病（如癌症），不管你第1次患没患癌症，只要你第2次大病患的是癌症，就能再赔1次。</span></p><p ><span ><br /></span></p><p ><span >这种情况最大的坑在于</span><span >只有第2次</span><span >大病</span><span >是</span><span >癌症才赔</span><span >，其他病都</span><span >不赔。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">ps：目前除了<strong>癌症</strong>，一些<strong>心脑血管重疾</strong>（心梗、脑中风等）也能指定2次赔。</span></p><p ><span ><br /></span></p><p ><span >我们做个表格说明下2种“假多次赔付”和真多次赔付的区别：</span></p><p ><strong><span ><br /></span></strong></p><p ><span style="color: rgb(136, 136, 136)"><span >为便于比较，以</span><strong><span >重疾不分组2次赔付</span></strong><span >和</span><strong><span >单次赔付重疾+癌症2次赔付</span></strong><span >举例，顺便还放了“真多次赔付”对比，注意现实还没这样的产品。</span></span></p><p ><strong><span ><br /></span></strong></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsn5S5eWoQ0r4pgJv2tNL8HnI0yFbdDia78arOByphThqVOjwH144U7CMuxQ6Od3MVb4m4vrz4UfUA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsn5S5eWoQ0r4pgJv2tNL8HnI0yFbdDia78arOByphThqVOjwH144U7CMuxQ6Od3MVb4m4vrz4UfUA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span ></span><br /></p><p ><span style="color: rgb(255, 0, 0)">对于绝大多数普通人，我劝你别买任何多次赔付重疾险。</span><span ><br /></span></p><p ><span style="color: rgb(255, 0, 0)"><br /></span></p><p ><span style="color:#ff0000"><span ><span style="color: rgb(255, 0, 0)">根据以往理赔数</span><span style="color: rgb(255, 0, 0)">据：</span><span style="color: rgb(255, 0, 0)"></span></span></span></p><p ><br /></p><p ><span style="color:#ff0000"><span >人一辈子第一次重疾理赔的绝对概率很高，但</span></span><span style="color: rgb(255, 0, 0)">第</span><span style="color: rgb(255, 0, 0)">二次</span><span style="color: rgb(255, 0, 0)">重疾理</span><span style="color: rgb(255, 0, 0)">赔</span><span style="color: rgb(255, 0, 0)">的绝对概率非常低</span><span style="color: rgb(255, 0, 0)">！</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(255, 0, 0)">买了必然后悔，花了冤枉钱。</span></p><p ><span ><br /></span></p><p ><span style="color: rgb(136, 136, 136)">除非同等保额下，多次赔付和单次赔付产品的保费差不多甚至更低，那肯定要选多次赔的，管它实不实用，白白多赔一次谁不爱啊？</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">但这样的产品几乎没有。</span></p><p ><span ><br /></span></p><p ><strong><span >那真怕自己患2次大病咋办？</span></strong><span ><br /></span></p><p ><span ><br /></span></p><p ><span >简单，买2份重疾险就行。<br /></span></p><p ><span ><br /></span></p><p ><span >例如你原本期望是买一份保额50万、能赔2次的多次赔付重疾险。</span></p><p ><span ><br /></span></p><p ><span >那你现在买两份保额50万、赔1次的重疾险不就行了，<strong>拿的钱一样</strong>（100万），<strong>还能早点拿到手</strong>，不用等第2次大病发作。<br /></span></p><p ><span ><br /></span></p><p ><span >某种意义上，这就是多次赔付的最佳解决方案，完美解决所有问题！</span></p><p ><span ><br /></span></p><section ><span ><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></span></section><p ><span ><br /></span></p><p ><span >买保险，还是不要忘了初心。</span></p><p ><strong ><span ><br /></span></strong></p><p ><strong ><span >买重疾险就是</span><span >买【终身保额</span><span >】</span><span >，在预算范围内，买到尽可能高的保额</span><span >；</span></strong></p><p ><strong ><span ><br /></span></strong></p><p ><strong ><span >基本保障相当时，评判重疾险是否优秀的唯一标准就是价格越便宜越好！</span></strong></p><p ><span ><br /></span></p><p ><span >不要被所谓的“保障越全越好”迷住了，导致多花50%的钱，只增加了5%的实际保障，得不偿失。</span></p><p ><strong style="color: rgb(0, 0, 0)"><span ><br /></span></strong></p><p ><strong style="color: rgb(0, 0, 0)"><span >今天就到这里了，有疑问，可以加我助手微信：dongbaoye888</span></strong></p><section ><br /></section><section ><span style="color: rgb(0, 0, 0)"><strong ><span >或点击下方</span></strong></span><span ><span style="color: rgb(33, 89, 103)"><strong ><span >公众号“1对1咨询”菜单</span></strong></span><span style="color: rgb(0, 0, 0)"><strong ><span >预约</span></strong></span><strong style="color: rgb(0, 0, 0)"><span >1对1专属老师提供专业保险咨询规划服务。</span></strong></span></section><section ><br /></section><section></mpprofile></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><p><br /></p><section ><span ><strong ><span ><strong >买保险必看攻略：</strong></span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447792252&idx=1&sn=2712fdcf567afeea148fee4dfa683f2b&chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&scene=21#wechat_redirect" tab="innerlink" hasload="1" >懂保爷首创「35风险模型」：没懂之前不要买保险！</a></span></section><section ><strong><span >重疾险的其他坑：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447793876&idx=1&sn=2179daa15513de6a4c007c4689738575&chksm=b2b0799685c7f080f5d89a7b9cc4d310bcbc478c9b142cd0aa2e2df01586bd0072429cd79635&scene=21#wechat_redirect" tab="innerlink" ><span >定期重疾险：一场“皆大欢喜”的保险骗局</span></a></section><section ><span ><strong >网上投保：</strong></span><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" hasload="1" ><span ><span >「网上」</span>买保险靠谱吗？</span></a></section><section ><span ><strong ><span >保险公司大小：</span></strong><span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447791906&idx=1&sn=2ce60e5394a0cbc2a4b1ca0feca31c04&chksm=b2b0706085c7f97675a310f1e6e0655a3b2aa8816dc1feedae32ef31bd9122b933b2190116eb&scene=21#wechat_redirect" tab="innerlink" hasload="1" >这个保险公司没听过，产品能买吗？理赔靠谱吗？</a></span></span></section><section ><span ><strong ><span >异地投保</span></strong><strong ><span >：</span></strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447789858&idx=1&sn=85dfdd45ba610270e8475d37193b0db8&chksm=b2b0686085c7e1761c061cfc6b0659e3c91994fa667dd3c643ef91ca5ced6db749901ee7352e&scene=21#wechat_redirect" tab="innerlink" hasload="1" >「异地投保」会影响保险理赔吗？</a></section><section ><span ><strong >健康告知、核保：</strong></span><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" hasload="1" >买保险时的「健康告知」以及「核保」，到底该怎么处理？</a></section><section ><span ><strong >身故保障：</strong></span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=1&sn=265d8f7c58bc1fa24061b89ec323144d&chksm=b2b077ab85c7febdbf041d27390c4dd426f9e9aa560d5e9789c6b294863ab0c21c2b313a8f1d&scene=21#wechat_redirect" tab="innerlink" hasload="1" >买重疾险时，到底要不要选「身故」呢？</a></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><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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>
