百万医疗险新标杆，蓝医保史诗级加强！

<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span >前段时间，金医保和长相安陆续迭代了旗下产品，</span><span ><span >百万医疗险</span>迎来2.0版本，赞誉颇多</span><span >。</span></section><section ><span ></span></section><section ><span ><span ><span >导致原本和金医保、长相安并列的</span>蓝医保系列一时没了声音。</span></span></section><section ><span ><span >可就在大伙以为蓝医保今年就此歇火的时候，</span></span></section><section ><span ><span ><span >没成想，</span>它憋着大招又杀回来了。</span></span><span ></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>一、</strong></span></section><section ><span >先看新品<span >蓝医保(</span><span >好医好药版</span><span >)的</span>迭代情况：<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmELnrficqpNpDrJpTviaib1uQMgyD5aicAtlgrNTXqY8PzcZL2go7ODYITA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmELnrficqpNpDrJpTviaib1uQMgyD5aicAtlgrNTXqY8PzcZL2go7ODYITA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span >基础责</span><span >任不必多说，我们主要还是看升级之处：<br /></span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)">一是门槛优化；</span></section><section style="text-align: justify"><span ><span >投保</span><span >年</span><span >龄</span>由最高65岁提升至70岁，注意个人单56岁以上需人工核保（如果是家庭单，则是60岁前不用人核）。</span></section><section style="text-align: justify"><span >理赔</span><span >门槛也向同类产品看齐，没有理赔时，免赔额可逐年递减，每年-1000元，最低降到5000元。</span><span ></span></section><section style="text-align: justify"><span >还有就</span><span >是一般医疗新增了特殊门诊赔付，补齐了一块小短板。</span></section><section style="text-align: justify"><span >另外<span >院外癌症特药清单增加到至207种，并包含了三大CAR-T特药(</span><span >奕凯达、倍诺达和福可苏)。</span></span></section><section style="text-align: justify"><span >质子重离子医疗指定</span><span >医院也从上海的一家拓展至6家，就医门槛更低。</span></section><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmBjN7xSHicbNjJ1icVKXnKtWYmJvlSDkl21WoaOhSGcF2NqdTkdb3ibGGA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmBjN7xSHicbNjJ1icVKXnKtWYmJvlSDkl21WoaOhSGcF2NqdTkdb3ibGGA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: justify"><span style="color: rgb(33, 89, 103)">二是重要责任迭代；</span></section><p style="text-align: justify"><span >其中核心的便是本次最大升级：外购药。</span></p><p style="text-align: justify"><span >除了普通产品常规就有的院</span><span >外癌症特定药品外，额外扩展了其他疾病外购药和器械。</span></p><p style="text-align: justify"><span >只要是符合规定、在国家药械清单内的产品，都能做到100%报销，同时这个是写进主险合同保证20年续保的。</span></p><p style="text-align: justify"><span >这在过往常规百万医疗险里面是很难看到的。</span></p><p style="text-align: justify"><span >实际上，保司也意识到可能存在的赔付风险，特地做了保留适当调整权利的提示(为了应付极端赔穿风险，正常不用担心)。<br /></span></p><p style="text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmPNF7UU1VzUc2ES1ObgMma1gr3RQrFSC6lgTFSDyqqibwBkHDHbA1xqA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmPNF7UU1VzUc2ES1ObgMma1gr3RQrFSC6lgTFSDyqqibwBkHDHbA1xqA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><span ></span></p><p style="text-align: justify"><span >除了上面的外购药，</span><span >蓝医保(好医好药版)这次赠送了一个特需医疗体验卡。</span></p><p style="text-align: justify"><span >如果说前面</span><span >外购药对应的是“好药”，这个赠险对应的就是“好医”了。</span></p><p style="text-align: justify"><span >在保单第一年，蓝医保赠送100万保额的特需医疗保险金。</span><o:p ></o:p></p><p style="text-align: justify"><span >就医时，可以扩展到医院的特需部/VIP部等，享受更好的医疗环境。</span><o:p ></o:p></p><p style="text-align: justify"><span >不过要注意报销比例只有30%，算是让人体验一下特需医疗。</span></p><p style="text-align: justify"><span >此外，<span >“</span><span >好</span><span >医”对</span></span><span >应的还有住院垫付、就医绿通，以及直赔服务等。</span></p><p style="text-align: justify"><span ><span >直赔就是</span>出院结算当即理赔，但目前只对上海</span><span >12家顶尖医院开放，如瑞金医院等，其他地区暂时得等等了。</span><span ></span></p><p style="text-align: justify"><span style="color: rgb(33, 89, 103)"><span >三是可选责任多样化，更加灵活</span><span >。</span></span><span style="color: rgb(33, 89, 103)"></span></p><p style="text-align: justify"><span >在延续老款的保障责任基础上，</span></p><p style="text-align: justify"><span ><span >蓝医保(</span><span >好医好药版</span><span >)可选责任更为丰富，除了最高20万的</span>重疾保险金外，</span></p><p style="text-align: justify"><span >还有重疾特需医疗、0免赔住院补偿和</span><span >门急诊医疗等。</span></p><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmibRJicn1FyoYFJHaicSV4g3XAvw0HC3P2ibO2SnIBDEIq9dWQfHH3Nu7ow%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmibRJicn1FyoYFJHaicSV4g3XAvw0HC3P2ibO2SnIBDEIq9dWQfHH3Nu7ow/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><span ></span></section><p style="text-align: justify"><span >这些可选保障</span><span >可以有效提升就医体验，可以按需附加。</span></p><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span >最后，<span >蓝医</span></span><span >保(好医好药版)支持家庭单，</span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmMicMvMfeBluaTk5MGNwAMse2F1d3qEpJT9J8oX7ib2uSQ9LOJ9QY5PMg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnmMicMvMfeBluaTk5MGNwAMse2F1d3qEpJT9J8oX7ib2uSQ9LOJ9QY5PMg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify"><span ><span >多人投</span><span >保折扣更高，最高85折。</span></span><span ></span></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><strong><span >综合来看，</span><span >蓝医保(</span><span >好医好药版</span><span >)这次升级没啥可挑剔的，妥妥地</span><span >行业领先水准。</span></strong></section><section style="text-align: justify"><span ></span></section><section style="text-align: justify"><span style="color: rgb(33, 89, 103)"><strong>二、</strong></span></section><section ><span >我们接着来看几家热门产品的对比，包含升级不久的金医保2号、长相安2号</span><span >：</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnm1qACNWsHvstbjcCmNibRKicobRg7XE6q6KsJ0DQsRP8umQ8G3RJSGiclQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSqrEqfpKDibibAnCCDziaNpnm1qACNWsHvstbjcCmNibRKicobRg7XE6q6KsJ0DQsRP8umQ8G3RJSGiclQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >如果看价格，</span></section><section ><span >在50岁之前，</span><span >三款产品实际相差不大；</span></section><section ><span >只是50岁开始，<span >蓝医保(</span><span >好医好药版</span><span >)和长相安2号</span>保费开始快速增加，</span></section><section ><span >据我测算60岁时，续期保费能比金医保2号多出大几百块，高龄人群投保要注意。</span><span ></span></section><section ><span >如果看保障，</span></section><section ><span >那就没啥疑问了。</span></section><section ><span >无论基础保障、免赔额、外购药、特药数量、增值服务等，</span></section><section ><span ><span >蓝</span></span><span >医保(好医好药版)都是数一数二的存在，个别项甚至是人无我有。</span></section><section ><span >当然，金医保2号和长相安2号在特定领域仍有优势。</span></section><section ><span >比</span><span >如价格，比如可选保障，比如康复医疗等。<br /></span></section><section ><span >总的来说，</span></section><section ><span ><span >蓝医保(</span><span >好医好药版</span><span >)最大</span></span><span >优点还是变革式升级。</span></section><section ><span >要知道在大保司“垄断”长期医疗的当下，他们是没啥动力去卷产品保障的，多是锦上添花的噱头。<br /></span></section><section ><span >期待蓝医保这次升级能让更多产品去卷更有用的保障吧。</span><span ></span></section><section ><strong ><span >后话：</span></strong></section><section ><span >近期产品变动频繁，我们可能无法对每款产品都进行细致分析。</span></section><section ><span >如对某款产品感兴趣，可以随时联系我，帮您详细分析～</span></section><section ><span >如需找我咨询，可以扫码联系，让我在最专业的领域帮您少走弯路。</span></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MzkwODcwMzI2Nw==&amp;mid=2247498620&amp;idx=1&amp;sn=63c7d116b63938f4fb79c716b5140f26&amp;chksm=c0c75830f7b0d126a777b281b7b12406619e8f751bdd16e11113f7ec49476aa42e9088b699b6&amp;scene=21#wechat_redirect" textvalue="为什么选择懂保爷？" linktype="text" imgurl="" imgdata="null" tab="innerlink" hasload="1" style="color: var(--weui-LINK)">为什么选择懂保爷？</a></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg%2F640%3Fwx_fmt%3Dother%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1%26tp%3Dwebp" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvSZbemR2IV8FZJtTcXw902cZCerF6VN8MY58WNsbgr8HHQ3xu9Gb8T1v9lre8noueQibORTEHVRnGg/640?wx_fmt=other&wxfrom=5&wx_lazy=1&wx_co=1&tp=webp" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span ><strong ><span >最后简单跟大家介绍一下自己：</span></strong></span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span >懂保爷平台成立于2018年；</span></section><section style="text-align: center"><span >秉着向上向善的信仰，</span></section><section style="text-align: center"><span >站在客户角度，以客户为中心，测评优中选优</span></section><section style="text-align: center"><span >为客户提供风险转嫁、</span></section><section style="text-align: center"><span >储蓄理财和退休养老方面的优质保险内容与服务。</span></section><section style="text-align: center"><span >全网粉丝1000万+，</span></section><section style="text-align: center"><span >已累计为10万+家庭解决过保险难题。</span></section><section style="text-align: center"><span >以成就安心生活为使命；</span></section><section style="text-align: center"><span >致力于成为新时代中国人信赖首选的保险内容与服务平台。</span></section><section style="text-align: center"><br /></section><section style="text-align: center"><span style="color: rgb(178, 178, 178)">更多敬请关注：</span></section><section ></mp-common-profile></section><section ><br /></section><p ></mp-style-type></p>