儿童重疾险二选一：大黄蜂17号全能版 VS 妈咪保贝哪吒守护，怎么选不踩坑？

<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">Hey，大家好，我是懂保爷资深产品测评师丽丽～</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">最近，后台问少儿重疾险的家长很多。</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">我干脆把市面上主流保司的产品全翻了出来，一条一条抠条款，比来比去，最后筛出来两款性价比很高的：</section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify">一款是北京人寿的大黄蜂17号全能版，一款是复星联合健康的妈咪保贝哪吒守护。</section>先说结论：这两款性价比都很高，闭眼入都不会踩坑。但细节上各有各的好，今天就把它们仔细对比一下，看完你就知道自家孩子适合哪款了。 <h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">一</h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">基础保障：都很能打，妈咪保贝哪吒守护细节略胜</h2><sc-clipboard block-data="[{"blockId":"x5yHDtQhR2eV7HVn9tjdEB","blockSubtree":{"block":{"x5yHDtQhR2eV7HVn9tjdEB":{"role":"editor","value":{"id":"x5yHDtQhR2eV7HVn9tjdEB","parentId":"","type":"header2","props":{"title":[["一、基础保障：都很能打，哪吒细节略胜",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMnRlDLf1XBS60ibFOBPLFZYJ20qfH0SnazIDfQaickYyZhSSCDicDibAza9NjiaAk24W7YRU4IjgPWfSXWxvEnVt3t0T0QhXHeicp6U%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMnRlDLf1XBS60ibFOBPLFZYJ20qfH0SnazIDfQaickYyZhSSCDicDibAza9NjiaAk24W7YRU4IjgPWfSXWxvEnVt3t0T0QhXHeicp6U/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>先看最核心的轻症、中症、重疾。<sc-clipboard block-data="[{"blockId":"e7lt3IHO6KemsEyoaoIARw","blockSubtree":{"block":{"e7lt3IHO6KemsEyoaoIARw":{"role":"editor","value":{"id":"e7lt3IHO6KemsEyoaoIARw","parentId":"","type":"text","props":{"title":[["先看最核心的轻症、中症、重疾。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard>这方面两款其实都很不错，保障比较全面，赔付比例也都不低。而且有一点两款做得都很好：重疾赔付之后，轻症和中症还能继续赔，而且没有间隔期。也就是说，孩子如果先发生了重疾，并不意味着这份保单就结束了，后面如果又发生符合合同约定的轻症、中症，依然可以赔付。不过，两款有一个比较明显的区别：哪吒守护的轻中症不分组，而大黄蜂17号全能版是分组的。什么意思？举个例子，癌症（恶性肿瘤——重度）属于重疾，而原位癌、恶性肿瘤——轻度属于轻症，它们会被划分在同一组里。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMKFL95XnLrBzBuH9BMgiagFl2bYvBnhoJTRziaP0VLwlraO8bsKO6G25bbELFXUbp0PXDedwyom9pHEycG8eibiaJNFofG9znEZho%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMKFL95XnLrBzBuH9BMgiagFl2bYvBnhoJTRziaP0VLwlraO8bsKO6G25bbELFXUbp0PXDedwyom9pHEycG8eibiaJNFofG9znEZho/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>假如孩子先确诊了白血病，重疾保额赔下来了，之后很不幸又确诊了原位癌或者轻度癌症，在大黄蜂17号全能版这里，因为是同组，就不能再赔了；而妈咪保贝哪吒守护没有分组限制，照样赔。<sc-clipboard block-data="[{"blockId":"pL92tyDNud4GTTngzWmVgm","blockSubtree":{"block":{"pL92tyDNud4GTTngzWmVgm":{"role":"editor","value":{"id":"pL92tyDNud4GTTngzWmVgm","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["举个例子：癌症（恶性肿瘤——重度）属于重疾，而原位癌、恶性肿瘤——轻度属于轻症，它们通常被划分在同一组里。假如孩子先确诊了白血病，重疾保额赔下来了，之后很不幸又确诊了原位癌或者轻度癌症——在大黄蜂这里，因为是同组，就不能再赔了；而哪吒守护没有分组限制，照样赔。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>所以这一点上，确实是妈咪保贝哪吒守护做得更好，更灵活，轻中症的赔付概率更高。再看少儿特疾和罕见病，两款都是20种少儿特疾+20种罕见病，罕见病都额外赔200%，差别在特疾赔付力度上，大黄蜂额外赔120%，哪吒守护额外赔130%，多赔10%。<sc-clipboard block-data="[{"blockId":"eNXPCDmFEzbdJ0JyqC855K","blockSubtree":{"block":{"eNXPCDmFEzbdJ0JyqC855K":{"role":"editor","value":{"id":"eNXPCDmFEzbdJ0JyqC855K","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["我觉得大黄蜂的自带保障是能覆盖掉的。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>所以整个看基础保障， 两款都很全、都很不错，但论细节，哪吒守护要更好一些。 二自带保障：大黄蜂更有优势<sc-clipboard block-data="[{"blockId":"lcDwsZnTlOUz7nS1kqpwhW","blockSubtree":{"block":{"lcDwsZnTlOUz7nS1kqpwhW":{"role":"editor","value":{"id":"lcDwsZnTlOUz7nS1kqpwhW","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["自带保障：大黄蜂优势很大",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>如果说基础保障哪吒守护略胜一筹，那么看到自带保障这里，我会更偏向大黄蜂17号全能版。因为它自带的几项保障，我觉得都比较实用。<section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMjfCNCmIvEUTibshjbuI3be4hVWMjHeg3on9Eb2BkMDriaMrnXCxWLC7bElURGcKn1NWNicHIonVoHUGF88aXQVqekf5DKdylIRU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMjfCNCmIvEUTibshjbuI3be4hVWMjHeg3on9Eb2BkMDriaMrnXCxWLC7bElURGcKn1NWNicHIonVoHUGF88aXQVqekf5DKdylIRU/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>首先是首次重度疾病增长保险金。简单来说，就是孩子在18岁之前第一次发生符合条件的重疾，保额还能随着保单年度增长，最高可以额外增加108%基本保额。虽然这个保障有年龄限制，但对于儿童保单来说，孩子小的时候本身也是重疾保障比较重要的阶段，能多一笔赔付，还是挺有意义的。另外还有意外重疾额外赔。如果孩子因为意外导致合同约定的特定重疾，还能在基础重疾赔付之外，再额外赔一部分。相当于把意外导致重疾这个风险，又单独加强了一层。而且，这些钱是只要得了重疾就同步能拿到，没有很多的前提条件，相当于直接把保额抬高了。还有一个我比较喜欢的：重疾中症保费补偿金。缴费期内确诊重疾或中症，把累计已交的保费全部退给你。再叠加被保人豁免责任（确诊轻/中/重疾，后面的保费全部免掉），这两个合起来是什么效果？交过的钱全退，保额照赔，后面的钱不用交了，保障还继续有效，等于都是白送的，心不心动？<sc-clipboard block-data="[{"blockId":"kGraLP6o3CP4ITciqi3qRS","blockSubtree":{"block":{"kGraLP6o3CP4ITciqi3qRS":{"role":"editor","value":{"id":"kGraLP6o3CP4ITciqi3qRS","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["缴费期内确诊重疾或中症，把累计已交的保费全部退给你。再叠加被保人豁免（确诊轻/中/重疾，后面的保费全部免掉）。这两个合起来是什么效果？交过的钱全退，保额照赔，后面的钱不用交了，保障还继续有效。等于剩下的保障是白送的，心不心动",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>这里我想再提一下两款产品的特疾赔付力度，妈咪保贝哪吒守护多的10%，是很大概率被大黄蜂17号全能版的这些自带保障覆盖掉的，甚至可能远远超过。再看哪吒守护的自带保障，乍一看挺多的，但挨个看细节，基本都卡着年龄和条件。特别是5种先天性疾病保险金，用到的概率很低。<section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPA8IGbEzhAIt2CicO91TksFZTHzmcXcicwfpEqmU9MXQF4NmUlrBbUJfQia0w0G3ytCr7gY5IdicMRybFLfGLWASY2QgziauNjj0sc%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPA8IGbEzhAIt2CicO91TksFZTHzmcXcicwfpEqmU9MXQF4NmUlrBbUJfQia0w0G3ytCr7gY5IdicMRybFLfGLWASY2QgziauNjj0sc/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>因为先天性疾病一般来说产检就能查出来，真查出来了，后续投保就要过健康告知那一关，能不能买上都是问题；产检没查出来的，3岁前确诊的概率也低。不过，哪吒守护的医疗账户挺有特色，门急诊、住院都能用，还有住院津贴，相当于一个小的医疗补充，日常感冒发烧住院也能报，这个设计在重疾险里确实不多见。就是钱不多，前10年每年给0.1%保额的额度，50万保额的话一年就只有500块钱，10年一共5000。附加的保障我就不额外说了，差别不大。总之，大黄蜂的自带保障，大部分是"得了重疾就跟着拿钱"的硬保障，实用性强、拿到的概率大；哪吒守护的这些自带保障也不是不好，同样有价值，只是相比之下条件限制多，真正拿到手的概率要小一些。<sc-clipboard block-data="[{"blockId":"Sj5FjzLDnIhcAGgYUCpwzM","blockSubtree":{"block":{"Sj5FjzLDnIhcAGgYUCpwzM":{"role":"editor","value":{"id":"Sj5FjzLDnIhcAGgYUCpwzM","parentId":"","type":"text","props":{"title":[["总结一下：大黄蜂的自带保障，大部分是\"得了重疾就跟着拿钱\"的硬保障，实用性强、拿到的概率大；哪吒守护的这些自带保障也不是不好，同样有价值，只是相比之下条件限制多，真正拿到手的概率要小一些。",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard>所以从实用性的角度来说，大黄蜂17号这几项自带保障，我会更喜欢一些。 <h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">三</h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify">价格：基本打平，可以忽略</h2>再看大家最关心的价格：<sc-clipboard block-data="[{"blockId":"HBnBlzUk8xvskuceutKEP1","blockSubtree":{"block":{"HBnBlzUk8xvskuceutKEP1":{"role":"editor","value":{"id":"HBnBlzUk8xvskuceutKEP1","parentId":"","type":"header2","props":{"title":[["三、价格：基本打平，可以忽略",null]]},"children":[],"parentTable":"block","enabled":true}}}}}]"></sc-clipboard><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOneib0etHYhxobKILIicdmDPhbNFNFbzic8b9H0uG8dWE09Y0Lf1YAGeM6uibiagX4rWnXnx4ibgw8iaqicJ6wprngvtBt8qfMYricz4Jw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOneib0etHYhxobKILIicdmDPhbNFNFbzic8b9H0uG8dWE09Y0Lf1YAGeM6uibiagX4rWnXnx4ibgw8iaqicJ6wprngvtBt8qfMYricz4Jw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section>其实两款差距非常小。同样的保额、保障期限和缴费方式下：男孩大黄蜂17号贵几十块；女孩则是哪吒守护贵几十块。来回也就几十块钱。所以我觉得完全没必要为了这点价格差距去纠结，真正值得比较的，还是前面这些保障。 四最后总结一下，到底怎么选？整个看下来我感觉，两款都是市场上很能打的那一档，价格都不贵，选哪个都不亏。区别就在，你在乎的是保障的广度，还是赔付的高度。<sc-clipboard block-data="[{"blockId":"OSRARQeqkPDtzmQUxLtYD8","blockSubtree":{"block":{"OSRARQeqkPDtzmQUxLtYD8":{"role":"editor","value":{"id":"OSRARQeqkPDtzmQUxLtYD8","version":0,"enabled":true,"type":"text","children":[],"props":{"title":[["两款都是市场上最能打的那一档，选哪个都不亏。",null]]},"parentId":"","parentTable":"block"}}}}}]"></sc-clipboard>如果更看重保障的广度，希望疾病之间互不影响，轻中症有更多机会获得赔付，那么可以重点看看妈咪保贝哪吒守护。如果更看重保障的高度，希望万一孩子真的发生重疾，能够在基础保额的基础上尽可能多拿一些钱，把保额进一步做高，那么我会更建议看看大黄蜂17号全能版。就我个人来说，我还是会更看重后者。因为给孩子买重疾险，说到底就是为了防最严重的情况。真遇到重大疾病的时候，能有机会多赔几十万，我觉得更有意义。当然，每个家长看重的需求不一样。如果你还在纠结这两款怎么选，可以把孩子的年龄、性别和预算告诉我，我帮你具体分析一下，看看哪款更适合你家孩子。 <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%2FiaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D5" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOmVRTPZBNd1cLef0F8xds3a7arrONNgE54neljXiabmhDrib5kic68LQ4B0Gu0NEot9NDNhCsVIxfm4c4B7Hpe8tarH6PuSdibVSQ/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=5" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"> </section>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：第1-市场上最热的「儿童重疾险」产品测评表<section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNEQGIuLfm69IaYxW25OvrEtiaJyQgEEgTg2GkSia8N7TWTy8EFNAicicw13qvJJzibOtceFg11L9YhcEYcDeKV67Zic3a4P750FM5ng%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D6" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNEQGIuLfm69IaYxW25OvrEtiaJyQgEEgTg2GkSia8N7TWTy8EFNAicicw13qvJJzibOtceFg11L9YhcEYcDeKV67Zic3a4P750FM5ng/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=6" alt="懂保爷测评配图" loading="lazy" /></section>第2-最新更新的2类7大保险榜单 <section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPkev0JUwVibAzrd5V2aribzKUJcs5gSRzS6WfWSloKkJEyIT4qMpnldySge5VkJBX2sEq87ABoBNWcicVf9XQwNDgrvcAEUX4nEA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPkev0JUwVibAzrd5V2aribzKUJcs5gSRzS6WfWSloKkJEyIT4qMpnldySge5VkJBX2sEq87ABoBNWcicVf9XQwNDgrvcAEUX4nEA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /></section>第3-我们懂保爷首创的极简养老规划指南<section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><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%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section>第4-每个家庭到底要买什么保险1对1深度讲解<section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNu3bgDO3x3AHV75XAZNBtu6Akyu5EG92v4slIAE4F1w0Pf61Am2HEsY1uKzCQZYfRV42QgFJrByIVNX3DyK2pnvN1z55ibpILA/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=11" alt="懂保爷测评配图" loading="lazy" /></section>扫码就能领取，我们一一发给大家。 <section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><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%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#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"> 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本文为懂保爷原创保险知识科普，不构成投保建议。具体保险责任与理赔条件以保险公司正式条款和保险合同为准。