<section ><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" hasload="1" style="text-align: center"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczvFUTCPHdF2lWmicREoiad8nL7nRByD3ZdFqy5hiaFEsmVmugicibB4jOw4fgRLybyeYeia0RW8oZnKBdRQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczvFUTCPHdF2lWmicREoiad8nL7nRByD3ZdFqy5hiaFEsmVmugicibB4jOw4fgRLybyeYeia0RW8oZnKBdRQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a><br /></section><p style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></p><p ><br /></p><section ><span >自癌症被人们熟知以来，就跟“绝症”划上了等号。</span></section><section ><br /></section><section ><span >以至于很多人即便有重疾险，真得了癌症，还是会选择放弃治疗。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">无它，怕白花钱，不如把保险金留给家人。</span></section><section ><span ><br /></span></section><section ><span >怎么避免出现这种境况？</span></section><section ><br /></section><section ><span >其实重疾险给过我们答案，即<strong>癌症多次赔付</strong>。<br /></span></section><section ><span ><br /></span></section><section ><span >患了癌症后，只要不放弃治疗活下去，保险公司就会再次给保险金。<br /></span></section><section ><span ><br /></span></section><section ><span >目前有两种形式：<br /></span></section><section ><span ><br /></span></section><ul ><li ><p ><span >确诊癌症，<strong>3年</strong>后还处于癌症状态，赔付<strong>100%-150%</strong>保额，一般只给<strong>1次</strong>；</span></p></li></ul><p ><span ><br /></span></p><ul ><li ><p ><span >确诊癌症，<strong>1年</strong>后还处于癌症状态，赔付<strong>30%-40%</strong>保额，通常能给<strong>3次</strong>。</span></p></li></ul><section ><span ><br /></span></section><section ><span >这样患了癌症至少不慌，也有治下去的勇气了，不治要是死了保险公司后面就不给钱了，多“可惜”。</span></section><section ><span ><br /></span></section><section ><span >这就是癌症多次赔付的现实意义。<br /></span></section><section ><span ><br /></span></section><section ><span >可能有朋友会疑惑：<strong>之前不是说癌症多次赔意义不大吗？</strong></span></section><section ><br /></section><section ><span >例如我们在<span ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794273&idx=1&sn=3ef6aa04cc06f658aaed4527b1ef9f7d&chksm=b2b0472385c7ce35a99c45564dff17a1ab82c283e3511d9c52284b6c46565e249be7c1b61d46&scene=21#wechat_redirect" tab="innerlink">99%的人都买错了重疾险！我把这些实话一次全告诉你</a></span>一文中，总结的重疾险投保理念：</span></section><section ><span ><br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvFUTCPHdF2lWmicREoiad8nLPw6J446SibMNSwNnU5eUYUDShmGlQLugPmb4cZwYY91VzUyfbMmfGCw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvFUTCPHdF2lWmicREoiad8nLPw6J446SibMNSwNnU5eUYUDShmGlQLugPmb4cZwYY91VzUyfbMmfGCw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >其中提到很重要的一点就是：</span></section><section ><br /></section><section ><strong><span >买重疾险就是买「终身保额」，预算范围内，买到尽可能高的保额！</span></strong></section><section ><br /></section><section ><span >在基本保障相当时，价格便宜是衡量一款重疾险是否优秀的唯一标准。</span></section><section ><br /></section><section ><span >其他责任如轻症/中症、多次赔付、身故、xx岁前额外赔付等“<strong>基础之外的保障</strong>”统统要为「终身保额」让步。</span></section><section ><span ><br /></span></section><section ><span >但这不意味着上面这些“基础之外的保障”就要被一棒子打死。</span></section><section ><span ><br /></span></section><section ><span >就像轻症/中症，只要<strong>费率合理</strong>，一直以来都建议大家投保重疾险时加上。</span></section><section ><br /></section><section ><span >癌症多次赔付也是这样。</span></section><section ><span ><br /></span></section><section ><span >例如纯重疾3000元/年能买30万终身保额，附加癌症多次赔付后，变成4500元/年。</span></section><section ><span ><br /></span></section><section ><span >这说破天也不值得附加啊，有这钱都能<strong>增加50%终身保额</strong>了。</span></section><section ><span ><br /></span></section><section ><span >但要是附加癌症多次赔后，从3000涨到3500元/年，是不是就不一样了？</span></section><section ><span ><br /></span></section><section ><strong><span >因为即便我们唯终身保额优先，也只能增加5万终身保额</span></strong><span >，即以下的选择：</span></section><section ><span ><br /></span></section><ul ><li ><p >A：3500元/年，只有35万保额的基础重疾保障；</p></li><li ><p >B：3500元/年，含30万保额的基础重疾保障+癌症二次赔付(满3年再赔30万)。</p></li></ul><section ><span ></span><br /></section><section ><span >这就变成了<span >「增加5万终身保额」、</span><span >「30万癌症二次」间的抉择了。</span></span></section><section ><span ><span ><br /></span></span></section><section ><span >你更认可哪个，选择哪个即可。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">例如有癌症家族史、或者在意这块的朋友，附加癌症多次赔付就非常合适。</span></section><section ><span ><br /></span></section><section ><strong><span >当然，一切的前提是癌症二次的费率合理。</span></strong><span ></span></section><section ><span ><br /></span></section><section ><span >要是<span >变成</span><span >「增加15万终身保额」、</span><span >「30万癌症二次」间的抉择，癌症多次赔就没啥意义了。</span><br /></span></section><section ><br /></section><section ><span >最后，提醒大家一点：</span><strong><span ></span></strong><span ></span></section><section ><br /></section><section ><span >癌症只是目前的“绝症”，随着医疗手段的提升，不代表未来是绝症。</span><br /></section><section ><span ><br /></span></section><section ><span >如果你相信未来的医疗技术会提升，能大幅增加癌症患者存活率，那现在的癌症多次赔付还是很有价值的。</span></section><section ><span ><br /></span></section><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_png%2FaqibLpHUEczvFUTCPHdF2lWmicREoiad8nLmCTaibkHykRQ9slKeEIzicXoaItzr7r0cpxMTN6vI28f8TO71nobJ1Bg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvFUTCPHdF2lWmicREoiad8nLmCTaibkHykRQ9slKeEIzicXoaItzr7r0cpxMTN6vI28f8TO71nobJ1Bg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section></section></section></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">总的来说，癌症5年存活率呈上升趋势</span></section><section ><br /></section><section ><span >换个角度想，现在重疾险的癌症多次赔付是按当前存活率定价的。</span></section><section ><span ><br /></span></section><section ><span >要是未来癌症存活率得以进一步提升，那现在买的癌症多次赔明显会很划算。</span><br /></section><section ><br /></section><section ><strong><span >相关阅读：</span></strong><span ><br /></span></section><section ><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794273&idx=1&sn=3ef6aa04cc06f658aaed4527b1ef9f7d&chksm=b2b0472385c7ce35a99c45564dff17a1ab82c283e3511d9c52284b6c46565e249be7c1b61d46&scene=21#wechat_redirect" tab="innerlink" ><span >99%的人都买错了重疾险！我把这些实话一次全告诉你</span></a><br /></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794502&idx=1&sn=0b26288da98158e0d8ed86132ac4d682&chksm=b2b0460485c7cf12ccf072b911b8a5c7ea8f6e57a52f98316f88e6bda2fb45efcbe858257824&scene=21#wechat_redirect" tab="innerlink" ><span >这10个问题没搞清楚，不要急着买重疾险！</span></a></section><section ><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447794031&idx=1&sn=b76de391ba7cd51ab6cf93215c71bb55&chksm=b2b0782d85c7f13bc87bf9715446363a0f928dfa7a56e00f6685b19a22a30dff1c705fabcab1&scene=21#wechat_redirect" tab="innerlink" ><span >别无脑买百万医疗险了，没你想的那么重要！</span></a><br /></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></mpprofile></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)">懂保爷精选保险</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>
