少儿重疾险的“六边形战士”：从白血病到自闭症，大黄蜂17号来守护

<p style="text-align: justify"><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 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></span></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近重温</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一些儿童医疗纪录片</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，总让人五味杂陈。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >镜头下的不仅是疾病，更是一个个家庭在</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >ICU门口的抉择。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >现实中，数据往往比镜头更冰冷：</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >根据《国家儿童肿瘤监测年报（</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2022）》显示，我国儿童肿瘤的发病率正以每年2.8% 的速度增长。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而在众多儿童癌症中，白血病占比高达 1/3，是发病率最高的恶性肿瘤。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >更令人揪心的是，虽然随着医疗进步，儿童癌症的5年生存率在经济发达地区可达 70%以上，但</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >化疗、移植、重症监护等</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >高昂的治疗费用往往成为压垮家庭的最后一根稻草。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这背后是无数家庭为了给孩子一丝生的希望，耗尽家财、四处求医的辛酸。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >在疾病面前，我们往往以为离别是瞬间的，但其实它是漫长的消耗。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >作为父母，我们无法预知明天和意外，但我们可以为孩子准备一份能抵御漫长消耗的底气。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >今天，我想为大家介绍一款真正懂孩子、也懂父母的少儿重疾险</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——北京人寿大黄蜂17号。</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%2FiaZHDj9icvRXOJyqMg4Jf62xcQ101ibcoXEte0zJtVn0Kf4KSdX3gnvqyjbsoHVSnVEuHF0VZjL6eTJ7LXrqLNicOr30mOcFzJl41Z2FO21t7UI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOJyqMg4Jf62xcQ101ibcoXEte0zJtVn0Kf4KSdX3gnvqyjbsoHVSnVEuHF0VZjL6eTJ7LXrqLNicOr30mOcFzJl41Z2FO21t7UI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">一、</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">重疾保额会长大，少儿特疾保超多，白血病最高可赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">608%基本保额</span></span></font></b></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >孩子的成长需要钱，治病更需要钱。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号创新性地加入了“重疾持续增长保险金”，孩子越小投保，保障越划算。</span></span></font><span ><span><br /></span></span></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">1、18岁前确诊首次重疾，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">每年多赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">6%×保单年度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">，最高额外赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">108%基本保额，保额“越长大越高”。</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%2FiaZHDj9icvRXNACcqD2khUUHXPqHeGXSbSrreHIXWC89LlR82xAGCqHD3hb2PVoDSAjovIqciabkN5RHoUsrnBFyPVjD4sp0PWgHKMaCeEG7e0%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNACcqD2khUUHXPqHeGXSbSrreHIXWC89LlR82xAGCqHD3hb2PVoDSAjovIqciabkN5RHoUsrnBFyPVjD4sp0PWgHKMaCeEG7e0/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">2、</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">满足条款约定，还可以与</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">20种少儿特疾额外赔120%，癌症拓展金、移植金、20种罕见病额外赔200%，意外重疾额外赔等责任叠加赔付。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >以</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >白血病</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >为例，多重责任叠加后，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最高可赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >608%基本保额</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，一笔大额赔付，覆盖化疗、移植、康复全周期费用，给孩子用上</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >足够</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >好的治疗方案。</span></span></font><span style="color: rgb(0, 0, 0)"><span><br /></span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOHO53aic96OkjeT74fHpm2gGTeCQTEQQpicCVJUCW8EVC5mMxIQia2jsfH2icAxcdjWsdeQBEdbticQ0zVUiaVPiayLPeAau70zQjopk%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOHO53aic96OkjeT74fHpm2gGTeCQTEQQpicCVJUCW8EVC5mMxIQia2jsfH2icAxcdjWsdeQBEdbticQ0zVUiaVPiayLPeAau70zQjopk/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">二、</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">初次</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">确诊重</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">/中症：赔保额</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">+赔付累计</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">已交保费</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">+豁免后续保费，三重保障</span></span></font></b><b><span ><span><br /></span></span></b></p><p ><b><span ><span><span text >交费期内</span></span></span></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >（</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >趸交</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >）</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >初次</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >确诊</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/中症</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><ul ><li ><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >赔付对应</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/中症保险金</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >；</span></span></font></p></li><li ><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >赔付累计</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >已交保费；</span></span></font></p></li><li ><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >豁免后续所有保费</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，保单继续有效，保障不中断。</span></span></font></p></li></ul><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNup74y0bXiamicjQ2SpKbTL8rVrzibOCFRrzppVsmrjUXXUyOOJlM64rEraO8sBHp1TicJ41mtFx4lLylLfgJ2t11OgPpzl7Nbhg8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNup74y0bXiamicjQ2SpKbTL8rVrzibOCFRrzppVsmrjUXXUyOOJlM64rEraO8sBHp1TicJ41mtFx4lLylLfgJ2t11OgPpzl7Nbhg8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >面对</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >长期治疗的孩子，家长既要照顾孩子，又要承担治疗费与生活费</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这无疑是巨大的压力。</span></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号洞察了这份辛苦，给了投保家庭一份关怀：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">保障继续有效，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">并且</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">你当初掏出去的钱，保险公司又还给了你。</span></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这不仅是一份保险，更像是一份强制储蓄的</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“备用金”，在家庭</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >有</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >困难的时候，把现金流还给父母去照顾孩子。</span></span></font><span style="color: rgb(6, 10, 38)"><span><br /></span></span></h2><h2 ><span style="color: rgb(6, 10, 38)"><span><br /></span></span><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">三、癌症赔付</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">不限次数</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">，新发</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">/复发/转移/持续都能赔</span></span></font></b><b><span style="color: rgb(0, 0, 0)"><span><br /></span></span></b></h2><h2 ><b><span style="color: rgb(0, 0, 0)"><span><br /></span></span></b></h2><h2 ><b><span style="color: rgb(0, 0, 0)"><span><span text >儿童癌症虽然治愈率在提升，但复发、转移</span></span></span></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >等</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >风险依然存在</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号针对恶性肿瘤——重度推出了</span><span text >无限次赔付责任</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">1、首次</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">恶性肿瘤</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——重度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >→间隔1年→仍处于</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >恶性肿瘤</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——重度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >状态：依次赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >40%/50%/30%基本保额；</span></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >此后每间隔3年→仍处于</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >恶性肿瘤</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——重度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >状态：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >每次赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >50%基本保额，次数不限</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >；</span></span></font></h2><h2 ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></h2><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">2、</span></span><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">首次非</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">恶性肿瘤</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——重度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >→间隔180天确诊</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >恶性肿瘤</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >——重度</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：同样可按规则赔付，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >新发、复发、持续、转移、扩散全覆盖。</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%2FiaZHDj9icvRXOKwI5ibm0DCG0wKdmGN6mTy9iaHeG3JM48dSFbEzFicNfRM8rY4mK95QhkPibCXrN679NmggYpcZmjMYvgTQ6VxaOzBRNXoPKDGgs%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOKwI5ibm0DCG0wKdmGN6mTy9iaHeG3JM48dSFbEzFicNfRM8rY4mK95QhkPibCXrN679NmggYpcZmjMYvgTQ6VxaOzBRNXoPKDGgs/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >癌症治疗往往是一场持久战，这份</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“无限续杯”的保障，就是给孩子生命线的延长。</span></span></font><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></b></p><p ><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">四、</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">非重</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">/中/轻症，责任内自费超</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">5万</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">，一次性赔</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">5万</span></span></font></b><span style="color: rgb(0, 0, 0)"><span><br /></span></span></p><p ><span style="color: rgb(0, 0, 0)"><span><span text >孩子可能遇到的健康风险非常多，并非所有情况都能符合重疾、中症、轻症的理赔标准，也有不少高发状况不在疾病清单内。</span></span></span></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >像是重症肺炎、严重腺样体肥大、严重脑炎等等，这些疾病或者疾病中的部分情况可能未包含在传统重疾险轻</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/中/重症的理赔范围内，可一旦住进PICU、用上ECMO，治疗费用动辄十几万，医保报销后仍有巨大自费压力。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">17号可选</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">特定住院治疗津贴</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">：</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >18岁前，因</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >非</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >保险理赔范围内的</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >轻</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/中/重疾</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >或意外</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >接受</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >住院、特殊门诊、门诊手术、住院前后门急诊</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >治疗的</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >自事故</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >/确诊日起1年内，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >个人自付</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >≥5万元</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一次性</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >直接赔</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >5万元</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</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%2FiaZHDj9icvRXNNd5Ls0rFG7sVQSrO4QxNxF46R4ChuofiaVacrfib4UlIb6QR8MQjjCUGkQVD3AGwURAF0do8lDDpwtibeAyy6jic1XsqalxWTMwE%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNNd5Ls0rFG7sVQSrO4QxNxF46R4ChuofiaVacrfib4UlIb6QR8MQjjCUGkQVD3AGwURAF0do8lDDpwtibeAyy6jic1XsqalxWTMwE/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这笔钱不限用途，买自费药、请护工，还是补贴家用</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >都可以</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一笔钱</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >覆盖</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >“非</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >一般理赔范围</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但高花费</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >”的风险，补上普通重疾险的保障盲区，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >儿科病房里常见的困境，它都提前想到了</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font><span ><span><br /></span></span></p><p ><span ><span><span text style="color: rgb(33, 89, 103)">举个例子：</span></span></span></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >李女士为</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >0岁儿子购买了大黄蜂17号少儿重疾险，并投保了特定住院治疗津贴保险金。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >在宝宝1岁时，确诊重症肺炎合并多重感染，住进儿童重症监护室（PICU），使用呼吸机、高级抗生素、营养支持，住院14天。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >总花费约18万元，医保报销后个人自费6.2万元。大黄蜂17号一次性赔5万元，直接覆盖大部分自费压力。</span></span></font></p><p ><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">五、</span></span><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">关注</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">“隐形杀手”:</span></span></font></b><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">严重自闭症</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">/抑郁症，也能保</span></span></font></b><b><span ><span><br /></span></span></b></p><p ><b><span ><span><span text >中科院心理所《中国国民心理健康发展报告》：青少年抑郁检出率</span></span></span></b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >24.</span><span text >6%，其中重度抑郁7.4%</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >；</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >中国自闭症教育康复行业报告：我国儿童自闭症发生率约</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1%，0-14岁患儿超200万</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >儿童青少年精神健康已成为不可忽视的家庭风险。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >在关注身体健康的同时，大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号也关注到了孩子的</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >精神</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >健康：</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">1、自闭症保险金</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">0-1岁投保，3-6周岁确诊，赔30%基本保额；</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">2、严重抑郁症保险金</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(33, 89, 103)">：</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">3-17岁确诊，赔10%基本保额。</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%2FiaZHDj9icvRXNzuicpjbehLg3eT83wGuicKdqXSySK2kR60oHVdhe34ucA6WcyaVR2CzQ2MNEfXOgDz8CK0awP9ibCdBE6lWg52n7fm1t6oKDcHg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNzuicpjbehLg3eT83wGuicKdqXSySK2kR60oHVdhe34ucA6WcyaVR2CzQ2MNEfXOgDz8CK0awP9ibCdBE6lWg52n7fm1t6oKDcHg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><b><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后要说的是，</span></span></font></b><b><span style="color: rgb(0, 0, 0)"><span><br /></span></span></b></p><p ><b><span style="color: rgb(0, 0, 0)"><span><span text >看着那些在走廊里奔跑的孩子，或是病床上坚强的笑脸，我们总希望世界能多一点温柔。</span></span></span></b></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >北京人寿大黄蜂</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号，不是一份简单的保单，而是给孩子的</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >成长铠甲</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >：</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">保额会长大、重病返保费、癌症无限赔、非重疾高花费也能赔、罕见病与心理疾病覆盖，</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">把儿童能遇到的核心风险，一次保齐</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(0, 0, 0)">。</span></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给孩子美好的爱，是未雨绸缪；给孩子全心的守护，是选对一份少儿重疾险。</span></span></font><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="微软雅黑"><span style="color: rgba(0, 0, 0, 0.9)"><span text >愿每一个孩子都能被温柔以待，愿每一份父母的爱，都有备无患。</span></span></font></p><p style="text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong ><span ><span ><span text >后话：</span></span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span ><span text >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></span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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></span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMFyia6YRlKzLlZ4DQcNX7MpZx1NeaibXpgfYGMVYA1VYwHPuxiakQCQ1Tbjp1GN0eiaYLeIYYxsxWPhHzEHm3kzSZozEOgcPyT0Eo%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMFyia6YRlKzLlZ4DQcNX7MpZx1NeaibXpgfYGMVYA1VYwHPuxiakQCQ1Tbjp1GN0eiaYLeIYYxsxWPhHzEHm3kzSZozEOgcPyT0Eo/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><strong ><span ><span ><span text >最后简单跟大家介绍一下自己：</span></span></span></strong></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >懂保爷平台成立于2018年；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >秉着向上向善的信仰，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >站在客户角度，以客户为中心，测评优中选优</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >为客户提供风险转嫁、</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >储蓄理财和退休养老方面的优质保险内容与服务。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >全网粉丝1000万+，</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >已累计为10万+家庭解决过保险难题。</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >以成就安心生活为使命；</span></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text >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></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center"><span ><span ><span text style="color: rgb(214, 214, 214)">更多敬请关注：</span></span></span></section><section nodeleaf=""></mp-common-profile></section><p ></mp-style-type></p>