<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><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >大部分身体没有明显异常的朋友，买重疾险时都可以按照正常标准承保，也就是我们常说的</span><span text >“标体承保”</span><span text >。</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但也有些客户朋友，</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 >在投保重疾险的时候，会收到几种特殊的核保结果：</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >加费承保、除外承保、延期承保，甚至直接拒保</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一看到这些，心里一下子就慌了：</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 >难道身体有点小毛病，重疾险就彻底买不了了？</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 >其实不一定。</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 >今天就跟大家聊清楚：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >加费、除外、延期、拒保，什么意思？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >以及更重要的：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >如果真的遇到了这些情况，应该怎么办？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">一</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >加费、除外、延期、拒保，什么意思？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >总结了一张图，大家看得更直观：</span></span></strong></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPgcK3Nc1A3CGsGAgpDy9cIdaIW147ZLdzeEiacTOtT4ibIDImDBIPSLWt2bXEkqU200xuNFxicYkOgV44Uvo7BibB9hYjVXYKtbEo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPgcK3Nc1A3CGsGAgpDy9cIdaIW147ZLdzeEiacTOtT4ibIDImDBIPSLWt2bXEkqU200xuNFxicYkOgV44Uvo7BibB9hYjVXYKtbEo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >分别解释一下，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >1）加费承保</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >简单来说就是，</span><span text >能保，但要多交钱</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如同样是30岁买50万重疾险，</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 >正常健康的人一年可能交6000块左右，但保险公司评估以后，认为你的健康风险比普通人高一些，可能要求你加费，比如一年交多交1000多块。</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 >如果加一点钱，能够把保障保下来，我认为</span><span text >很多情况下是可以接受的</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >2）除外承保</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >就是</span><span text >某些疾病不保，但其他疾病还是可以保</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >比如你投保之前有甲状腺结节，保险公司认为甲状腺相关疾病风险比较高，于是约定</span><span text >甲状腺相关疾病不承担保障责任</span><span text >。</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 >但是其他重大疾病，比如心脑血管疾病、恶性肿瘤等，符合合同约定的，还是可以正常赔。</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 >我觉得如果只是除外一个自己风险相对较低的部位，但其他重大疾病都能够正常保障，那这份重疾险还是可以买的。</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 >但如果你最担心的疾病刚好被除外了，那就需要重新考虑别的产品了。</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 >3）延期承保</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >延期，不等于拒保</span><span text >，这一点很多人特别容易搞错。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比如刚做完手术、刚发现某项检查异常，保险公司暂时无法准确判断未来风险，</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 >这个时候可能不会马上给你“拒保”，而是告诉你先等等，过一段时间再来申请。</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 >可以等半年、一年，</span><span text >身体情况稳定以后重新申请</span><span text >，核保结果可能就会发生变化。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >4）拒保</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >就是目前这款产品不接受你的风险，买不了。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >不过，</span><span text >一家保险公司拒保，不等于所有保险公司都会拒保。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color:rgba(0, 0, 0, 0.9)"><span text >因为不同保险公司的</span><span text >健康告知、核保规则和风险判断标准</span><span text >并不完全一样。</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 >同样一个甲状腺结节，可能A公司给你除外，B公司加费，C公司延期，D公司直接拒保。</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 >所以，</span><span text >一次被拒保，也别直接放弃投保，还能看看别的保司产品</span><span text >~</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 >那么问题来了，</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 >既然不同人的身体情况不一样，重疾险到底应该怎么选？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">二</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾险到底应该怎么选？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我的建议很简单。</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 >如果你的身体比较健康，没有明显的既往症或者异常情况</span><span text >，能标体承保，那就优先考虑</span><span text >保障和价格</span><span text >。</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 >在目前的市场里，</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 >成人可以重点看看复兴联合的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >达尔文12号</span><span text >以及君龙人寿的</span><span text >超级玛丽16号PRO</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，少儿可以看看北京人寿的</span><span text >大黄蜂16号全能版</span><span text >和招商仁和的</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >青云卫6号</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >都是我筛选出来的高性价比选择。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >这几款产品的详细筛选过程，可以看这2篇文章：</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247503606&idx=1&sn=29a24ac8d8cbc694647bcb04ba4765b5&scene=21#wechat_redirect" textvalue="" linktype="text">4款热门成人重疾险测评，谁更值得买？</a></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247503398&idx=1&sn=3565b11e00992da1371d34bda7f4d1a0&scene=21#wechat_redirect" textvalue="" linktype="text">4款热门儿童重疾险大测评！</a></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOso3mTK6X2B2EyPXvjLh2UrjEGp4oFfNdZ6A5I9Oic3WBNNBicaI7STrq1Mq0ZrFjQrBLV2wANJZiaxrz6C8nr6jsNvrMog57Ss0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOso3mTK6X2B2EyPXvjLh2UrjEGp4oFfNdZ6A5I9Oic3WBNNBicaI7STrq1Mq0ZrFjQrBLV2wANJZiaxrz6C8nr6jsNvrMog57Ss0/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPHiaK2WweN5sXoicyqGGX7hMBRcZCZsMP9uTkD6m2Xkp8EvKXWnJ81V9JA765bUcXoDia1DCL76oOPOymC6xlVBicfGULDL7RgZAI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPHiaK2WweN5sXoicyqGGX7hMBRcZCZsMP9uTkD6m2Xkp8EvKXWnJ81V9JA765bUcXoDia1DCL76oOPOymC6xlVBicfGULDL7RgZAI/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=5&wx_lazy=1#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="text-align:justify; color:rgba(0, 0, 0, 0.9)"><span text >如果</span><span text >已经存在一些健康异常，比如甲状腺结节、乳腺结节、乙肝、肺结节、血压异常</span><span text >……</span></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)"><span text >这时候选重疾险的逻辑就不一样了。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >保障再好，如果最后买不了，也没有意义。</span></span></strong></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)"><span text >对于这类人，我反而建议优先看健康告知和核保。</span></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)"><span text >比如复兴联合的</span></span><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >医联有盟2026</span></span></strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >，就是一款可以重点关注的产品。</span></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)"><span text >它的健康告知很宽松，只有4条，对于一些身体存在异常、过去有疾病或者检查异常的人群，会有更大的投保空间。</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 >大部分重疾险买不了的几个情况，</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 >比如</span><span text style="color: rgb(235, 201, 0)">3级及以下的甲状腺结节、乳腺结节、肺结节、乙肝、2级高血压、抑郁症、5年前得过癌症</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >等等都可以正常承保。</span></span></p><ul ></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >保障虽然不比上面的高性价比产品，但基础保障也够用了：</span></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNBOGWzyKbhUcdZYFSCSfYkia4x2xdBYBxKxnP3xaQ4YK4pK1JicB8X6tWjVYp0oBzOWLY9nxV59LtgDzPdaUBWR3JwLY3zNialEY%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNBOGWzyKbhUcdZYFSCSfYkia4x2xdBYBxKxnP3xaQ4YK4pK1JicB8X6tWjVYp0oBzOWLY9nxV59LtgDzPdaUBWR3JwLY3zNialEY/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >我也详细测评过，感兴趣的朋友可以关注一下：</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504551&idx=1&sn=3fa07668954fa5600953116801b0802e&scene=21#wechat_redirect" textvalue="" linktype="text"><span text >得过癌症、3级结节，买重疾险总被拒？看看复兴联合的医联有盟2026这一款！</span></a></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >总之，重疾险核保被卡住了，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >不一定是身体不符合，也可能只是产品不合适。</span></span></strong></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)"><span text >能接受加费、除外，就把保障先保下来；遇到延期、拒保，就换个思路、换个产品。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >买保险，有时候不是你买不了，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >而是你还没找到适合你的那一款~</span></span></strong></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)">如果你不知道自己的身体情况能买什么重疾险，可以直接来跟我聊一聊。</span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「成人重疾险」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMK1uBuLia2bhJqDswibA5FkKbqbRYXa2YCQOYicPBFwoSiaBm0GyicEsfOr55DdbJYsSictfdAQ62CymlxOYRpZOY5YzrRG4VmdGV1o%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwxpic%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D4" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMK1uBuLia2bhJqDswibA5FkKbqbRYXa2YCQOYicPBFwoSiaBm0GyicEsfOr55DdbJYsSictfdAQ62CymlxOYRpZOY5YzrRG4VmdGV1o/640?wx_fmt=png&from=appmsg&tp=wxpic&wxfrom=5&wx_lazy=1#imgIndex=4" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-最新更新的2类7大保险榜单</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMN2fIudGk0g8ptD8XiczolJfeuuGZQqq42SsIeb5ByL0jvoic8wsS7lyYYH9Rn6MHPG6iaGQdsyckRF3kSptLDNpT8VfZPAMiaTGI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwxpic%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMN2fIudGk0g8ptD8XiczolJfeuuGZQqq42SsIeb5ByL0jvoic8wsS7lyYYH9Rn6MHPG6iaGQdsyckRF3kSptLDNpT8VfZPAMiaTGI/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#imgIndex=8" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwxpic%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FiaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwxpic%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取，我们一一发给大家。</span></span></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%3Dwxpic%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#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); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504811&idx=1&sn=012a99b170582846667d613303940c7f&scene=21#wechat_redirect" textvalue="家庭买保险，千万别把顺序搞反了" linktype="text">家庭买保险，千万别把顺序搞反了</a></span></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 ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504759&idx=1&sn=2146b56ad1ac55e303b9591d409c1684&scene=21#wechat_redirect" textvalue="人保的长相安5号来了！免健告、0免赔，比众民保中高端2026还便宜？" linktype="text">人保的长相安5号来了！免健告、0免赔，比众民保中高端2026还便宜？</a></span></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 ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504721&idx=1&sn=f4c037a3d48a3873227a47fab834a7f9&scene=21#wechat_redirect" textvalue="分红增额寿的年金转换，有什么用？3款产品实测" linktype="text">分红增额寿的年金转换，有什么用？3款产品实测</a></span></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 ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504653&idx=1&sn=1ccbc72401e3b7d60fe55759c26f4875&scene=21#wechat_redirect" textvalue="独生子女，有必要买定寿吗？" linktype="text">独生子女，有必要买定寿吗？</a></span></span></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: center" nodeleaf=""><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%3Dwxpic%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#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>
