<section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIX2iaFib8xuxZxia1VKdAiaQKnPYC1x5svCnEuocAH2A4FlrWtPmIX2ib1scw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsUzhyTcib8AV75dHJgztxIX2iaFib8xuxZxia1VKdAiaQKnPYC1x5svCnEuocAH2A4FlrWtPmIX2ib1scw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >大家好，我是保爷。</span></section><section ><span > </span></section><section ><span >昨天已经预告了，今天评测的新品是【<strong>达尔文系列重疾险</strong>】回归之作：<strong>达尔文3号</strong>。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">为什么要用“回归”这个词？</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span style="color: rgb(123, 127, 131)">这是因为达尔文系列已经沉寂很久了，上次新品还是去年11月推出的达尔文2号。</span></section><section ><span > </span></section><section ><span >好在大半年的韬光养晦，使得新品达尔文3号出道即巅峰。</span></section><section ><span > </span></section><section ><span >昨天预告里就提到：<strong>达尔文3号目前刷新了重疾险保障的天花板，无出其右。</strong></span></section><section ><span > </span></section><section ><span >但我们知道，一款重疾险好不好不是单看保障就行的，还要综合多方面来考虑。</span></section><section ><span > </span></section><section ><span ><strong>那么这款“不鸣则已、一鸣惊人”的产品综合实力究竟如何？</strong></span></section><section ><span > </span></section><section ><span >我们继续向下看。</span></section><section ><span > </span></section><section ><span >本文主要内容包含以下4个方面：</span></section><section ><br /></section><ul ><li style="color: rgb(33, 89, 103)"><section ><span style="color: rgb(33, 89, 103)">重疾险定义和配置等级</span></section></li><li style="color: rgb(33, 89, 103)"><section ><span style="color: rgb(33, 89, 103)">达尔文系列回归前后对比</span></section></li><li style="color: rgb(33, 89, 103)"><section ><span style="color: rgb(33, 89, 103)">8款高性价比重疾险横向对比</span></section></li><li style="color: rgb(33, 89, 103)"><section ><span style="color: rgb(33, 89, 103)">重疾险挑选及投保建议</span></section></li></ul><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >一、重疾险定义和配置等级</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >老规矩，考虑到可能有些朋友是保险小白。</span></section><section ><span > </span></section><section ><span >评测之前，<strong>保爷先带大家了解一下重疾险的概念、配置等级</strong>（老朋友可快速滑过这段）。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的定义</strong></span></section><section ><span > </span></section><section ><span >重疾险：一旦<strong>确诊</strong>合同约定的重大疾病，达到赔付标准，<strong>一次性</strong>获得保险公司几十万赔偿。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">重疾险是<strong>长期型保险</strong>，并且一般推荐选择保障<strong>终身</strong>，因为越到后面，患大病的概率越大。</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span style="color: rgb(123, 127, 131)">重疾险是4类保障型保险<strong>（重疾险、意外险、医疗险、定期寿险）</strong>中保费占比最高的，达到总保费的80%左右。</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span style="color: rgb(123, 127, 131)">所以买保险主要就是买重疾险，大家在研究重疾险上花的时间也是最多的。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>重疾险的配置等级</strong></span></section><section ><span > </span></section><section ><span >保爷根据<strong>重症、轻症、中症、身故、癌症多次、重症多次（分组、不分组）</strong>这6大保障内容的搭配组合将重疾险分为10个等级。</span></section><section ><span > </span></section><section ><span >每个等级后面，保爷都找到一款典型代表产品，10级为最高配置<span style="color: rgb(123, 127, 131)">（并不是配置越高越适合你哦）</span>：</span></section><section ><span > </span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXBL3ibaQR9XWU0q3rZUROZDEeEIEsibgkxuZCDLgJvNkm6PGlIkex99xg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXBL3ibaQR9XWU0q3rZUROZDEeEIEsibgkxuZCDLgJvNkm6PGlIkex99xg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span > </span></section><section ><span >今天的主角“达尔文3号”就处在第5等级<span style="color: rgb(123, 127, 131)">（等级3和等级5是保爷最推荐的）</span>。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong >二、达尔文系列回归前后对比</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >接下来我们按例先看达尔文3号相较于上个版本达尔文2号做了哪些升级<span style="color: gray">（去年的达尔文2号已下架停售）</span>：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXCG9UuRVmMy88EkpIGmNCAnP13AXgW9tPWYxxib9kdSmeR64ibsTGBGMw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXCG9UuRVmMy88EkpIGmNCAnP13AXgW9tPWYxxib9kdSmeR64ibsTGBGMw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >上图中标记红色的为达尔文3号相较于旧版达尔文2号的优点：</span></section><section ><span > </span></section><ul ><li style="color: rgb(123, 127, 131)"><section ><span style="color: rgb(123, 127, 131)">轻症责任更好，赔付比例更高，且原位癌、特定3种心血管轻症可赔2次，业界独创；</span></section></li><li style="color: rgb(123, 127, 131)"><section ><span style="color: rgb(123, 127, 131)">中症责任更好，中度脑中风可赔2次，业界独创；</span></section></li><li style="color: rgb(123, 127, 131)"><section ><span style="color: rgb(123, 127, 131)">赠送保额更高，60岁前得重疾，额外赔付80%，当前业界最高；</span></section></li><li style="color: rgb(123, 127, 131)"><section ><span style="color: rgb(123, 127, 131)">癌症二次赔付比例提升至150%，当前业界最高；</span></section></li><li style="color: rgb(123, 127, 131)"><section ><span style="color: rgb(123, 127, 131)">新增心脑血管重疾二次赔付，且150%的赔付比例同样当前最高。</span></section></li></ul><section ><span > </span></section><section ><span ><strong>就是说，达尔文3号这次把轻症/中症/重疾/二次重疾责任都堆到了目前市面最好</strong>！</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_jpg%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXTTzb6tlWTPKZc3Q6Cr8jHBYxicJDLH8XaRLpvicHdrH4S35uhPjK30iaw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXTTzb6tlWTPKZc3Q6Cr8jHBYxicJDLH8XaRLpvicHdrH4S35uhPjK30iaw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span > </span></section><section ><span >不过达尔文2号不是没有优点了，至少便宜些…</span><strong><span ></span></strong></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXTul7EbbgiaGgreCKibTP4quuXxeeLPhHr2U6vO2tOwCw03ia9tFfKOb2g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXTul7EbbgiaGgreCKibTP4quuXxeeLPhHr2U6vO2tOwCw03ia9tFfKOb2g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: gray"> </span></section><section ><span style="color: gray">当然，涨价的主要原因还是保障责任大升级带来的保险公司成本增加。</span></section><section ><span style="color: gray"><br /></span></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong >三、横向对比评测</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >那这次回归的的达尔文3号和现在的主流重疾险相比又有怎么样的优势呢？</span></section><section ><span > </span></section><section ><span >我们先来看保爷在之前的评测中得出当下推荐的5款成人单次赔付重疾险，分别是：</span></section><section ><span > </span></section><ul ><li ><section ><span >超级玛丽2号Max：<span style="color: rgb(123, 127, 131)">目前重疾险的第一推荐，极致性价比</span></span></section></li><li ><section ><span >嘉和保：<span style="color: rgb(123, 127, 131)">预算非常紧张的，选它，保费低</span></span></section></li><li ><section ><span >康惠保2.0：<span style="color: rgb(123, 127, 131)">百年人寿经典系列，高性价比，支持5-6类职业投保</span></span></section></li><li ><section ><span >超惠保：<span style="color: rgb(123, 127, 131)">投保纯重疾（不附加轻中症）的第一推荐，适合作为第二份加保</span></span></section></li><li ><section ><span >瑞盈：<span style="color: rgb(123, 127, 131)">非常适合40岁以上人群，缴费友好，缴费压力小</span></span></section></li></ul><section ><span > </span></section><section ><span >我们再加入新品<strong>达尔文3号</strong>一起对比下：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXWWBkjhR7KwVHHb5lWhD2DsZkFl8YwWJTuFUn0I8N43QRQ8FA3IQXyA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXWWBkjhR7KwVHHb5lWhD2DsZkFl8YwWJTuFUn0I8N43QRQ8FA3IQXyA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(123, 127, 131)">点击查看大图，红色标记为优势</span><br /></section><section ><br /></section><section ><span >由于表中的对比竞品较多，为了更直观的了解两款新品，</span></section><section ><span > </span></section><section ><span >我们这里直接把它们和当前第一推荐的超级玛丽2号Max进行对比：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXmcs6jm41jWQl77xz3gnRpxL5iatdzZFNszdCfLLX39W3pia3HfmzWtow%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXmcs6jm41jWQl77xz3gnRpxL5iatdzZFNszdCfLLX39W3pia3HfmzWtow/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section ><br /></section><section ><span >直接说结论：</span></section><section ><span > </span></section><section ><span ><span style="color: rgb(33, 89, 103)">从轻症保障上看：</span>达尔文3号比超级玛丽2号Max要好出许多，赔付比例高出5%不提，可赔2次心血管轻症很优秀；</span></section><section ><span > </span></section><section ><span ><span style="color: rgb(33, 89, 103)">从中症保障上看：</span>达尔文3号和超级玛丽2号Max相差不大，虽说中度脑中风可赔2次，但赔付条件要求必须新发；</span></section><section ><span > </span></section><section ><span ><span style="color: rgb(33, 89, 103)">从赠送保额上看：</span>达尔文3号在60岁前首次患重疾可赔付180%保额，而超级玛丽2号Max只有160%；</span></section><section ><span > </span></section><section ><span ><span style="color: rgb(33, 89, 103)">从二次赔付上看：</span>达尔文3号占优，癌症、心脑血管重疾二次赔付高达150%；</span></section><section ><span > </span></section><section ><span ><span style="color: rgb(33, 89, 103)">从保费价格上看：</span>超级玛丽2号Max价格优势很大，达尔文3号保费较贵。</span></section><section ><span > </span></section><section ><span >综合以上对比来看：</span></section><section ><br /></section><section ><span ><strong>如果预算充足，不差那几百，那达尔文3号比当前第一推荐的超级玛丽2号Max保障更加优秀，更值得推荐！</strong></span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">大家可通过“懂保爷”公众号“精选保险”菜单或点击文末“阅读原文”找到达尔文3号详细了解、在线投保。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>高发轻症对比</strong></span></section><section ><span > </span></section><section ><span >我们再来做个轻症分析，看过保爷文章的朋友都知道，选购重疾险不用在意重疾种类。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">无论它有100种、120种或150种重疾，区别都不大，因为最高发的重疾就那25种，这25种重疾的理赔占比达到95%左右。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">并且这25种最高发的重疾是由银保监会统一定义的，所有保险产品都一样。</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xXaLMYwYB63WgVW9jMmQ071tFhCc6AV4g1zWicvsFhljKILny1cWm8aQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xXaLMYwYB63WgVW9jMmQ071tFhCc6AV4g1zWicvsFhljKILny1cWm8aQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">25种重疾理赔占比</span></section><section ><span ><span > </span><span > </span></span></section><section ><span >所以在重疾疾病上，各家保险公司的差异都不大，并没有什么需要特别注意的地方。</span></section><section ><span > </span></section><section ><span ><strong >但轻症就不一样了，因为轻症没有统一的规范。</strong></span></section><section ><span > </span></section><section ><span >这就导致了不同重疾险之间，轻症责任有着一些差异。</span></section><section ><span > </span></section><section ><span >保爷建议大家关注两点：</span></section><section ><span > </span></section><ul ><li ><section ><span style="color: rgb(127, 127, 127)">一是轻症的赔付次数和赔付比例；</span></section></li><li ><section ><span style="color: rgb(127, 127, 127)">二是高发轻症是否包含。</span></section></li></ul><section ><span > </span></section><section ><span >有关赔付次数和比例，大家在对比表中可以一目了然的看到。</span></section><section ><span > </span></section><section ><span ><span >关于高发轻症，<span >保爷调研了大量疾病数据，咨询了专业医生，总结出了以下常见的11种高发轻症</span></span><span >：</span></span></section><section ><span ><br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIX9FzdytLn7zsgs8U34ksuIgwGzKrlOoc12whvcezUicWKSdHQRpCR8zg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIX9FzdytLn7zsgs8U34ksuIgwGzKrlOoc12whvcezUicWKSdHQRpCR8zg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><span ><br /></span></section><section ><span >看到这里大家可能会觉得达尔文3号这也不算突出啊，至少表中没啥优势。</span></section><section ><span > </span></section><section ><span >这点保爷要为达尔文3号平反下。</span></section><section ><span > </span></section><section ><span ><strong>达尔文3号轻症责任最强不是因为高发轻症，这大家都有。真实原因在于它的特定高发轻症可以赔2次！</strong></span></section><section ><span > </span></section><section ><span >很多重疾险在说轻症时会说，我们保50种轻症，还可以不分组赔3次。</span></section><section ><span > </span></section><section ><span >但少有投保人知道，不是患了3次合同上的轻症就能赔3次，因为同种轻症只赔1次。</span></section><section ><span > </span></section><section ><span style="color: rgb(127, 127, 127)">比如第一次轻症患了不典型心肌梗塞，第二次还是不典型心肌梗塞的话就不能赔，哪怕还剩2次轻症赔付机会没用。</span></section><section ><span > </span></section><section ><span >而且基本上<strong>所有重疾险</strong>的<strong>轻症</strong><span style="color: rgb(127, 127, 127)">（仅轻症，不是中症/重疾）</span>都有隐性分组存在：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXWT62LYJhE2mjXH5mzSYLZrSarIzY1QdkMDCkth3gHwZHwR2bls2xnA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXWT62LYJhE2mjXH5mzSYLZrSarIzY1QdkMDCkth3gHwZHwR2bls2xnA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(123, 127, 131)">重疾险轻症条款</span><br /></section><section ><br /></section><section ><span >以达尔文3号为例，它的50种轻症疾病里，就有12种轻症是分组</span><span style="color: rgb(123, 127, 131)">（同组的疾病只赔1次）</span><span >的：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXTYpUROAOhOXXrFDSvboFWlnY8UF0FfuHLUrsibibDNMCDgJXIMmHuqlw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXTYpUROAOhOXXrFDSvboFWlnY8UF0FfuHLUrsibibDNMCDgJXIMmHuqlw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">表中标红的是指属于“11种高发轻症”的轻症</span></section><section ><span > </span></section><section ><span >简单说一下，如心血管轻症的4种，如果第1次患的是不典型心肌梗塞，那么第2/3次不仅不能再赔心肌梗塞，</span></section><section ><br /></section><section ><span >其他的3种心血管轻症<span style="color: rgb(127, 127, 127)">（冠状动脉搭桥术/介入术/激光心肌血运重建）</span>也不能赔。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(123, 127, 131)">同理，如果做过一次“微创颅脑手术”，那脑部的两种病（微创颅脑手术、植入大脑内分流器）也都不能再赔。</span></section><section ><span > </span></section><section ><span >而这基本是所有重疾险默认的潜规则，不过好在只有轻症有着隐性分组，重疾如果有分组是会直接说的。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)">那达尔文3号也有这分组啊，它好在哪里？</span></section><section ><span > </span></section><section ><span >这点就是达尔文3号的牛x之处了，它确实有隐性分组，但它原位癌/特定心血管轻症<span style="color: rgb(127, 127, 127)">（心肌梗塞/冠状动脉搭桥术/介入术）</span>可赔2次！</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXfdvJ2GiaA2UGW9WHKIEAl2H69B5xdWibPsnRjjzia6iclianHUsX8sO6lXw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXfdvJ2GiaA2UGW9WHKIEAl2H69B5xdWibPsnRjjzia6iclianHUsX8sO6lXw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span style="color: rgb(123, 127, 131)">原位癌赔2次就不说了，因为超级玛丽2号Max也有这项责任，而3种心血管轻症赔2次却是达尔文3号独创。</span></section><section ><span > </span></section><section ><span >比如正常来说，患了一次不典型心肌梗塞，之后再患就不会赔，同一组的其他冠状动脉搭桥术/介入术等也不能赔。</span></section><section ><span > </span></section><section ><span >但达尔文3号患了不典型心肌梗塞后，<strong>不仅同一组的冠状动脉搭桥术/介入术能赔，<strong >就算再患心肌梗塞也能赔</strong></strong>！</span></section><section ><span > </span></section><section ><span >这无疑是对<strong>肥胖人群</strong>或<strong>有家族心血管病史人群</strong>的重大利好，因为这些人群罹患心血管疾病的概率相当大。</span></section><section ><span > </span></section><section ><span >至于达尔文3号的中度脑中风赔2次，保爷觉得赔付条件有些苛刻了，第2次赔付必须要求新一次中风，但多数二次脑中风都是复发。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>保爷再来总结下：</strong></span></section><section ><span > </span></section><section ><span >达尔文3号作为达尔文系列新一代产品，保障确实很猛，不仅把纸面数据做的好看，轻中症责任也更强了。</span></section><section ><span > </span></section><section ><span >但缺点也有点明显，保费稍贵，每年保费要是能降低300左右就好了。</span></section><section ><span > </span></section><section ><span ><strong>所以保爷建议预算充足的朋友选择达尔文3号，其他人还是建议选择超级玛丽2号Max。</strong></span></section><section ><span ><strong><br /></strong></span></section><section ><span >至于已经投保超级玛丽2号Max的朋友也没必要换，2号Max保障同样很优秀，保障够用，而且性价比很高。</span></section><section ><span > </span></section><section ><span >不过，因为达尔文3号有着优秀的轻症责任<span style="color: rgb(127, 127, 127)">（高发心血管轻症赔2次）</span>，</span></section><section ><span > </span></section><section ><span ><strong>保爷非常建议肥胖人群和有心血管疾病家族病史的朋友投保这款</strong>，稍贵一点就别在意了，毕竟心血管发病概率确实很高。</span></section><section ><span > </span></section><section ><span >保爷再给最近打算配置重疾险的朋友做了一份“参考答案”：</span></section><section ><br /></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXT3NOcLMCnldY6j7EH7ZDJ2zbj2ghPxau96o3ht5LfP9ss9LhO5DeWQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXT3NOcLMCnldY6j7EH7ZDJ2zbj2ghPxau96o3ht5LfP9ss9LhO5DeWQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(123, 127, 131)">点击查</span><span style="color: rgb(123, 127, 131)">看大图</span><br /></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)">解释下女性为什么选择超级玛丽2号Max而不是达尔文3号：</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">一是因为达尔文3号的最大特色保障——心血管轻症赔2次对女性意义不大，心血管疾病女性发病率远低于男性；</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span style="color: rgb(123, 127, 131)">二是撇开中轻症责任不说，达尔文3号的赠送保额和二次赔付虽然比超级玛丽2号Max更强，但弥补不了比2号Max贵出的保费。</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong ><strong >四、重疾险投保建议</strong></strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span style="color: rgb(33, 89, 103)"><strong>如果投保达尔文3号，可选责任如何选择？</strong></span></section><section ><span > </span></section><section ><span >这里保爷简单讲解一下达尔文3号的可选责任，方便大家投保时知道如何选择。</span></section><section ><span > </span></section><section ><span >保爷建议投保达尔文3号时，附加责任如下图这样选：</span></section><section ><span ><strong><br /></strong></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsUzhyTcib8AV75dHJgztxIXicrBkrRRibeInSsDXicQA80XIeAIVfcofsscXRaw5YmWc2l8Vjo83Q8ibw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsUzhyTcib8AV75dHJgztxIXicrBkrRRibeInSsDXicQA80XIeAIVfcofsscXRaw5YmWc2l8Vjo83Q8ibw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><section ><span ><strong><br /></strong></span></section><section ><span ><strong>1、“恶性肿瘤扩展保险金”强烈建议投保：</strong></span></section><section ><span > </span></section><section ><span >保爷之前提过，投保重疾险撇开基本要素，最应该考虑的是癌症的多次赔付<span style="color: rgb(127, 127, 127)">（癌症最高发）</span>。</span></section><section ><span > </span></section><section ><span >这是因为癌症在重大疾病中多次发病的概率最高，这种保障比多次赔付重疾险更优<span style="color: rgb(127, 127, 127)">（多次赔付重疾险，如果没有附加癌症多次赔付的话，癌症只能赔付一次）</span>；</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xhMddvn0wYeGsWcK8voOysrcByWYeHvERvY1Sz9Mf6rMjdRDV2pzIUQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsdaMGN6EbRUiaAID9zAcS9xhMddvn0wYeGsWcK8voOysrcByWYeHvERvY1Sz9Mf6rMjdRDV2pzIUQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(127, 127, 127)">数据来源：2018泰康人寿理赔大健康年报</span></section><section ><br /></section><section ><span ><strong>2、“特定心脑血管疾病扩展保险金”一般不建议投保：</strong></span></section><section ><span > </span></section><section ><span >心血管重疾二次赔付是能让保障更加全面的可选责任，不像身故责任那样不实用，但唯一的问题是附加后保费有点贵了。</span></section><section ><span > </span></section><section ><span style="color: rgb(136, 136, 136)">因此，如果不是预算特别充足，保爷就不建议附加了，毕竟好钢用在刀刃上，优先癌症二次赔付才是王道。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">预算特别充足的朋友，可以附加上这项保障。</span></section><section ><span > </span></section><section ><span ><strong>3、“身故或全残保险金”不建议投保：</strong></span></section><section ><span > </span></section><section ><span style="color: rgb(0, 0, 0)">保爷一再强调过，投保重疾险时不建议加上身故保障，身故建议通过定期寿险去保障，这样搭配配置性价比更高、更划算。</span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">具体可以看下这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink">投保重疾险时，到底要不要选「身故」保障？</a></span></section><section ><span > </span></section><section ><span style="text-align: left">另外，保障终身的不含身故责任的重疾险，假如一辈子没有理赔过重疾，最终去世身故了，是可以拿到一笔不少的钱的，即保单的现金价值。</span></section><section ><br /></section><section ><span style="text-align: left">具体看保爷的这篇文章：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786340&idx=1&sn=765ccf4a76d4328844404b5ae7679acd&chksm=b2b0662685c7ef302c6752e693f16a6f36647e7b9b2c85dbb953c036b3995f2e22a47a203d6a&scene=21#wechat_redirect" tab="innerlink">你买的保险最后能拿到多少钱？「现金价值」说了算！</a></span></section><section ><span style="text-align: left"><br /></span></section><section ><span ><strong>4、“投保人豁免保费责任”看自身情况：</strong></span></section><section ><span > </span></section><section ><span >自己给自己投保是不用选的，投保人就是被保人，被保人豁免是自带的。</span></section><section ><span > </span></section><section ><span >给别人投保时，例如夫妻互投，如果投保人的年龄比较年轻且身体健康，就建议附加上投保人豁免，否则不建议加。</span></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>关于保险公司</strong></span></section><section ><span > </span></section><section ><span >达尔文3号背后的保险公司是信泰人寿，可能一些朋友不了解甚至没听说过这家保险公司，保爷简单给大家介绍下：</span></section><section ><span > </span></section><section ><span ><strong>信泰人寿成立于2007年，已经经营13年了，全国分支机构多，注册资本金50亿元人民币。</strong></span></section><section ><span > </span></section><section ><span >偿付能力充足率、风险综合评级都符合监管要求，所以大家大可放心。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">保爷一直的观点是不用过多关注保险公司的大小，关注保险产品本身就行.</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span style="color: rgb(123, 127, 131)">因为其实根本就没有小保险公司，能开保险公司的都是实力非常雄厚的，背后一大堆boss。</span></section><section ><span > </span></section><section ><span >关于保险公司的大小以及安全性问题，具体可查看这篇文章：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink" ><span >没听过的“小”保险公司的产品能买吗？靠谱吗？</span></a></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>为什么投保达尔文3号时，“投保地区”选不到我的省市？</strong></span></section><section ><span > </span></section><section ><span >达尔文3号的投保页面上的投保地区只有北京市、浙江省等13个省市。</span></section><section ><span > </span></section><section ><span >这是不是代表不在那13个地区的朋友就不能投保呢？</span></section><section ><span > </span></section><section ><span ><strong>不是的，其他省市的也是可以投保的。</strong></span></section><section ><span > </span></section><section ><span >投保地区是银保监会对保险公司的限制，而不是对投保人的限制。</span></section><section ><span > </span></section><section ><span >就好像，香港的保险公司只能在香港销售保险，但内地的客户可以选择去香港买保险。</span></section><section ><span > </span></section><section ><span ><strong>这种投保的解决方案就是：异地投保。</strong></span></section><section ><span > </span></section><section ><span >具体详情看下这篇文章：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" tab="innerlink" ><span >保险进阶手册之「异地投保」，会影响理赔吗？</span></a></section><section ><span > </span></section><section ><span style="color: rgb(33, 89, 103)"><strong>健康告知以及核保是严格还是宽松？</strong></span></section><section ><span > </span></section><section ><span >达尔文3号的健康告知有7条，不算多但也不少。</span></section><section ><span > </span></section><section ><span >它支持<strong>在线智能核保</strong>和<strong>人工核保</strong>。</span></section><section ><span > </span></section><section ><span >健康告知以及核保教程看这篇文章：</span><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&scene=21#wechat_redirect" tab="innerlink" ><span >买保险时的「健康告知」以及「核保」，到底该怎么处理？</span></a></section><section ><span > </span></section><section ><span >健康告知不符合的朋友可以联系保爷帮你进行核保。</span></section><section ><span > </span></section><section ><span >想了解达尔文3号更多详情及投保购买，请长按识别下方二维码：</span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFxgD7RrS5oXVWKiaQLdK4U4iaYRfGehY1oY8iaES8mRZe1ynhCdgvS4vvA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczuKbBjcDDvVrQ09gzSN7vZFxgD7RrS5oXVWKiaQLdK4U4iaYRfGehY1oY8iaES8mRZe1ynhCdgvS4vvA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">长按识别可投保购买【达尔文3号】</span></section><section ><br /></section><section ><span ><section ><section style="text-align: left"><section ><section style="color: rgb(50, 135, 156)"><section style="text-align: center"><span style="color: rgb(33, 89, 103)"><strong >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >今天评测文中提到产品，都可通过<strong>“懂保爷”公众号“精选保险”</strong>菜单或点击文末“阅读原文”找到详细了解、在线投保。</span></section><section ><span > </span></section><section ><span style="color: rgb(123, 127, 131)">投保成功后，保险公司会发送电子保单到你投保时填写的邮箱里，可在保险公司的官网或者官方微信公众号上查到你的保单。</span></section><section ><span style="color: rgb(123, 127, 131)"> </span></section><section ><span >另外，保爷可协助你申请纸质保单邮寄给你，后续理赔等保单服务都可找保爷协助。</span></section><section ><span > </span></section><section ><span >如果遇到问题可添加保爷微信：<span style="color: rgb(33, 89, 103)"><strong>dongbaoye999</strong></span>免费贴心咨询。</span></section><section ><br /></section><section ><span >相关阅读：</span></section><section ><span > </span></section><section ><span >上一次单次赔付重疾险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788092&idx=1&sn=2a979bed54a7833c73338ad2ece2918c&chksm=b2b06f7e85c7e66861185248944d09496ae58b38cfc88b49a7a7a88c91a809d39bb5771dbc18&scene=21#wechat_redirect" tab="innerlink">爆款！网红重疾险新升级：超级玛丽2号Max、康惠保2.0</a></span></section><section ><span >多次赔付重疾险评测：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447788030&idx=1&sn=6b3ee0e8f683763ba24a2a2da5cf78cc&chksm=b2b060bc85c7e9aafe144a7c59927d6cd5f3282a04b6ceabd14e9cdc2ac552624024d7c49e26&scene=21#wechat_redirect" tab="innerlink">后浪来了！网红保险公司的爆款重疾险：百惠保</a></span></section><section ><span >线上投保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787719&idx=1&sn=a9b80b3e85772fe569fb8a4dfbc4ba4a&chksm=b2b0618585c7e8934554004c34922a850cd82a9537ee2a7868e440eec2688d759e17e1cc4968&scene=21#wechat_redirect" tab="innerlink">「网上」买保险靠谱吗？</a></span><br /></section><section ><span >保险公司大小：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787614&idx=1&sn=e62a38e3d44b5e2e61c2172d02a31cca&chksm=b2b0611c85c7e80a162070d6133cb47240aa8b26cfd9332b488928534b5ec758c8671f5729f5&scene=21#wechat_redirect" tab="innerlink">没听过的“小”保险公司的产品能买吗？靠谱吗？</a></span></section><section ><span >异地投保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787571&idx=1&sn=de24f81deebc652a78bc92f60963599d&chksm=b2b0617185c7e86702622c18107d5a7eb09bbef945abd43254c15d07d31ecbf7d4d70e67d909&scene=21#wechat_redirect" tab="innerlink">保险进阶手册之「异地投保」，会影响理赔吗？</a></span></section><section ><span >身故责任：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786551&idx=1&sn=441a119c570bdd5d9ac051d5abe8e6f3&chksm=b2b0657585c7ec636face1320c00e2ee1eda15bc4d9dbd5858bdf6469971e7737fc46d05745a&scene=21#wechat_redirect" tab="innerlink">投保重疾险时，到底要不要选「身故」保障？</a></span><br /></section><section ><span >现金价值：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447786340&idx=1&sn=765ccf4a76d4328844404b5ae7679acd&chksm=b2b0662685c7ef302c6752e693f16a6f36647e7b9b2c85dbb953c036b3995f2e22a47a203d6a&scene=21#wechat_redirect" tab="innerlink">你买的保险最后能拿到多少钱？「现金价值」说了算！</a></span></section><section ><span >健康告知、核保：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447787616&idx=1&sn=23fa5ab6db72ac7a6c51439ca0ba5775&chksm=b2b0612285c7e834a182e62142489e50581b5f5a8b1f0ade1938440194eb6c1ffb1dc9216096&scene=21#wechat_redirect" tab="innerlink">买保险时的「健康告知」以及「核保」，到底该怎么处理？</a></span></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 style="text-align: center"><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztqnW5ErxRUsSSupvmDQOpR7cvW3RU9Mws1r1icYCicxU76ib0MwTia6WhsRd3ddWevK4OJBFpXianxQzQ/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><strong ><span style="color: rgb(33, 89, 103)">懂保爷</span></strong></section><section style="text-align: center"><span style="color: rgb(0, 0, 0)">做硬核保险评测、找最高性价比产品</span><br /></section><section style="text-align: center"><span style="color: rgb(33, 89, 103)">你人脉圈里的保险专家</span></section><section style="text-align: center"><br /></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)">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，<span >帮忙点个</span><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>
