<section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg%2F640%3Fwx_fmt%3Dpng%26wxfrom%3D5%26wx_lazy%3D1%26wx_co%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTPFibSQe1Ok6iaibZ4hicO6vaZbC24eP2BLvt4IKmsUxJIZcSo2AGLIzHsonkRZibREL9dic6IO1lFbibHfg/640?wx_fmt=png&wxfrom=5&wx_lazy=1&wx_co=1" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103); text-align: start">一、</span></section><p ><span >意外险由于保费便宜，保额高、还能保障生活中的大小意外的特性而被大家接受。</span></p><section style="color: rgb(34, 34, 34)"><span >最近小蜜蜂、大护甲等“一线”系列终于有了更新，一经上线</span><span >我</span><span >就</span><span >立马整理好给大</span><span >家分享了~</span></section><p style="color: rgb(34, 34, 34)"><span ><strong>先来回顾如何挑选意外险：</strong><br /></span></p><section style="color: rgb(34, 34, 34)"><span ><span >我们在挑选意外险时，一般要重点关注3</span><span >个保障：</span></span></section><section ><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="text-align: center" powered-by="xmyeditor.com"><p>01</p></section></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(85, 145, 242); text-align: center" powered-by="xmyeditor.com"><p><span >意外医疗</span></p></section><section powered-by="xmyeditor.com"><br /></section></section><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51)" powered-by="xmyeditor.com"><p><span >意外医疗理赔概率是意外险中最高的，它是对因意外伤害导致的医疗费进行报销</span><span >（<strong><span style="color: rgb(217, 33, 66)">如因意外导致的磕碰、摔倒、烫伤等</span></strong>）。</span><br /></p></section></section></section></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="text-align: center" powered-by="xmyeditor.com"><p>02</p></section></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(85, 145, 242); text-align: center" powered-by="xmyeditor.com"><p><span >意外伤残</span></p></section><section powered-by="xmyeditor.com"><br /></section></section><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><p style="color: rgb(51, 51, 51)"><span >因意外致残，保险公司会按照残疾等级按比例赔偿。</span></p><p style="color: rgb(51, 51, 51)"><span >残疾分为十个等级，一级最严重，赔付100%保额，如果是十级，赔付10%保额。</span></p><p style="color: rgb(51, 51, 51)"><span style="color: rgb(217, 33, 66)">注意并非所有意外险都有残疾保障，即便有也还要注意保障的是意外伤残还是必须全残。</span></p></section></section></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="text-align: center" powered-by="xmyeditor.com"><p>03</p></section></section><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section style="color: rgb(85, 145, 242); text-align: center" powered-by="xmyeditor.com"><p><span >意外身故</span></p></section><section powered-by="xmyeditor.com"><br /></section></section><section powered-by="xmyeditor.com"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzpVFf4DkeZ2xHwEOjx16yUcl91a3gNIxvUGHibDIF4qf0uxrbP5CKvAA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><br /></section><section powered-by="xmyeditor.com"><section powered-by="xmyeditor.com"><section style="color: rgb(51, 51, 51)" powered-by="xmyeditor.com"><p ><span >当被保人因意外导致身故，受益人获得保险金赔付，这个是意外险最基本的保障责任。</span></p><p ><span >除上面3个外，就要看是否有猝死责任，有无住院津贴和驾乘汽车等额外保障了。</span></p></section></section></section></section></section></section></section><p ><span style="color: rgb(33, 89, 103); text-align: start">二、</span></p><section ><span >废话我就不多说了，最近大护甲、小蜜蜂都在原有版本的基础上新增了几个实用功能，使得意外险市场更加卷上加卷！</span></section><section ><span >这里就不单独说了，把这几个新品和当前第一梯队的意外险放一起比较下。</span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzzibzJiarITFCYmwxTNOSkNcD1GTR8eWIS6XYuFkmEX1CcLsYsRXEf0Ow%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzzibzJiarITFCYmwxTNOSkNcD1GTR8eWIS6XYuFkmEX1CcLsYsRXEf0Ow/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><span >先说结论，当前成人意</span><span >外险最推荐的产品，仍是人保大护甲6号和太保小蜜蜂5号。</span></span></section><section ><span ><strong ><span >先说大护甲6号，</span></strong></span></section><section ><span >意外身故/伤残保额高，还有公共交通意外（水陆空）高额赔付，法定节假日双倍赔。</span></section><section ><span >除了原先有的保障外，还新增了<span style="color: rgb(2, 30, 170)">救护车费用补贴</span>和<span style="color: rgb(2, 30, 170)">意外骨折医疗后期费用</span>。</span><br /></section><section ><span >不过，在医院方面有些地区的医院不在医疗范围内：<br /></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzhUCJIbSSBdemMrGHJjRe96eaTdibmmgM0h9icGU7icmVHKic0NRe7pw93A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzhUCJIbSSBdemMrGHJjRe96eaTdibmmgM0h9icGU7icmVHKic0NRe7pw93A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><strong>唯一的缺点就是风控较为严格，不好买！</strong></span></section><section ><strong><span >小蜜蜂5号</span><span >，</span></strong></section><section style="text-align: left"><span >整体保障及保额和大护甲6号基本一致，但附赠保障各有千秋，</span></section><section style="text-align: left"><span >这次升级新增了<span style="color: rgb(2, 30, 170)">动物致伤医疗</span>和<span style="color: rgb(2, 30, 170)">意外骨折脱臼及后期医疗费用</span>。</span></section><p style="text-align: left"><span >以下医院不承担意外医疗费用、骨折保险金、意外伤害住院津贴：</span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzO324G0xicZ6ZAPPjEO5V0udtoqWOibicSIzJhHNbJ9d1aM0kL4wAqxiahQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzO324G0xicZ6ZAPPjEO5V0udtoqWOibicSIzJhHNbJ9d1aM0kL4wAqxiahQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: left"><span ></span></section><section style="text-align: left"><span style="text-align: justify">只是猝死责任相较严格，有时间要求（24小时内），且不保50岁以上。</span><span style="text-align: left"></span></section><section style="text-align: left"><span ></span></section><section style="text-align: left"><span >小蜜蜂5号价格比起大护甲6号贵了8块，可以忽略~</span></section><section style="text-align: left"><span >剩下产品中，</span></section><section ><span ><strong ><span >青龙卫2号</span></strong></span></section><section ><span >在身故/伤残保障和意外医疗方面和以上两位一致。</span></section><section ><span >但猝死责任也有限制，55岁以上猝死赔付一半保额~</span><span style="text-align: center"></span></section><section ><span style="text-align: left">并</span><span style="text-align: left">且还有其他要注意的地方：</span><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lz3rSibicTfqvBSibChWpN0HoUia6xo2FdI7lGz9QFYlKrzt2oZQVN3rHgSA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lz3rSibicTfqvBSibChWpN0HoUia6xo2FdI7lGz9QFYlKrzt2oZQVN3rHgSA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /><strong style="text-align: justify"></strong></p><section ><span ><strong ><span >大保镖Ⅱ意外险至尊版</span></strong></span></section><section ><span >这款基本保障方面齐全，意外身故/伤残都是100万还有意外医疗和住院津贴。</span></section><section ><span >不过意外医疗保额只有5万，且有100元免赔额门槛限社保范围，有点子遗憾！</span></section><section ><strong><span >剩下2款大保镖II综合版、华泰1-6类意外险，是性价比不错的<span style="color: rgb(217, 33, 66)">无健康告知</span>或<span style="color: rgb(217, 33, 66)">高危职业意外险</span>，买不了前面产品的朋友可以重点考虑。</span></strong></section><section ><span ></span></section><section ><span ><span >最后附上当前意外险的挑选建议供大家参考</span><span > </span><span >▼：</span></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FNGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzXyzFcolriajyI3gibiakvGM2y8yiaBMekmjYAAONiaCKnvcDOjHYZb6KFTg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/NGupRwr5hZDPpA4r3hJaGuviaAFDlO0lzXyzFcolriajyI3gibiakvGM2y8yiaBMekmjYAAONiaCKnvcDOjHYZb6KFTg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span >大家可按照自己的预算、实际情况对号入座。</span></section><section ><span >孩子和老人的意外险里面也有推荐：</span></section><section ><span >少儿意外险重点是<span style="color: rgb(217, 33, 66)">平安小顽童5号</span>、<span style="color: rgb(217, 33, 66)">太保小神童5</span><span style="color: rgb(217, 33, 66)">号</span>、<span style="color: rgb(217, 33, 66)">大保镖Ⅱ少儿版。</span></span></section><section ><span >这3款的保障相对齐全，保费低保额也挺高，用来应对孩童时期的跌打损伤完全够用了~</span></section><section ><span >老人意外险还是老样子，推荐</span><span style="color: rgb(217, 33, 66)">大护甲5号高龄版</span></section><section ><span >基础保障齐全，又有意外住院津贴、骨折脱臼保险金和救护车费用补贴等额外保障。</span></section><p ><span ><strong ><em ><span style="color: rgb(33, 89, 103)">有问题，可扫描下图二维码咨询我团队的专业规划老师。</span></em></strong></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FNGupRwr5hZANjuTXED3yCCWgTtpiadEwgR6vnvLibngzLlXLAxbcoQ1CSgnM2zaxtxyv75EqmxhY1ySJ03ibLHw8Q%2F640%3Fwx_fmt%3Dgif%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/NGupRwr5hZANjuTXED3yCCWgTtpiadEwgR6vnvLibngzLlXLAxbcoQ1CSgnM2zaxtxyv75EqmxhY1ySJ03ibLHw8Q/640?wx_fmt=gif&from=appmsg&wxfrom=5&wx_lazy=1" alt="懂保爷测评配图" loading="lazy" /><br /></p><section ><section powered-by="xiumi.us" style="text-align: left"><section ><section powered-by="xiumi.us" style="text-align: justify"><section ><section powered-by="xiumi.us" ><section ><svg viewbox="0 0 1 1" ></svg></section></section></section></section></section></section></section><section ></mp-common-profile></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif%26wxfrom%3D5%26wx_lazy%3D1" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif&wxfrom=5&wx_lazy=1" 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)">懂保爷严选【理财、养老、保障】产品汇总</span></span></section><section label="Powered by 135editor.com" ><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 style="color: rgb(0, 0, 0)">吧</span>，谢谢！</span></p></section></section></section><section ><section ><br /></section></section><p ></mp-style-type></p>
