支付宝的「相互宝」你加入了吗？它十全十美吗？

<section ><section ></section></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsQg5K4oKXJuqPXkHBASagdr02UvYqfNGIU8YibzGf8EX3yTpaoy4xLPXgbvzz2sBHcpDmkvZwDIwA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p><br /></p><section ></section><p><br /></p><section style="text-align: left"><span >相互宝上线一年来，发展十分迅速</span></section><section style="text-align: left"><span >加入人数已经有8000多万</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >和传统保险相比</span></section><section style="text-align: left"><span >加入相互宝的门槛非常低</span></section><section style="text-align: left"><span >先保障后缴费，无压力</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >并且根据历史7个月分摊数据看</span></section><section style="text-align: left"><span >每月人均分摊最高才1.48元</span></section><section style="text-align: left"><span >就能获得30万元的重疾保障</span></section><section style="text-align: left"><span >性价比实在是太高了</span></section><section style="text-align: left"><span >所以煦哥毫不犹豫的携全家人加入了</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >但是，我们必须知道</span></section><section style="text-align: left"><strong><span >相互宝它不是保险</span></strong><span ></span></section><section style="text-align: left"><span >而是一种创新型的重疾互助计划</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >大家都知道保险是受国家严格监管的</span></section><section style="text-align: left"><span >但互助计划略有不同</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >相对来说相互宝也有以下四种风险</span></section><section style="text-align: left"><span >我帮你理清楚，希望你加入的更安心</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >1、可能出现不可抗力或政策因素</span></section><section style="text-align: left"><span >导致相互宝无法存续</span></section><section style="text-align: left"><span >或官方停止相互宝服务</span></section><section style="text-align: left"><span >从而无法获得赔付</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >2、保障内容可更改</span></section><section style="text-align: left"><span >比如今年 5 月</span></section><section style="text-align: left"><span >相互宝修改了甲状腺癌的理赔规定</span></section><section style="text-align: left"><span >从之前的30万改成了现在的5万元</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >3、随年龄增加，保障降低</span></section><section style="text-align: left"><span >40岁-59岁，只有10万元互助金</span></section><section style="text-align: left"><span >而年纪越大其实得大病的概率越高</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >4、分摊金额不定</span></section><section style="text-align: left"><span >相互宝按照每月分摊</span></section><section style="text-align: left"><span >可能未来分摊金额会持续升高</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >但尽管如此</span></section><section style="text-align: left"><span >与每年至少几千元的重疾险相比</span></section><section style="text-align: left"><span >相互宝以互助的形式解决大病风险</span></section><section style="text-align: left"><span >性价比还是非常高的</span></section><section style="text-align: left"><span >每年少喝奶茶就可以获得高额保障</span></section><section style="text-align: left"><span >符合健康条件的建议赶紧加入</span></section><section style="text-align: left"><span ><br /></span></section><section style="text-align: left"><span >不过同时</span></section><section style="text-align: left"><span >我们还是要合理补充其他商业保险</span></section><section style="text-align: left"><span >例如<strong>医疗险，重疾险，意外险和定期寿险</strong></span></section><section style="text-align: left"><span >才能获得比较全面的保障</span></section><section style="text-align: left"><span ></span></section><section style="text-align: justify; color: rgb(51, 51, 51)"><br /></section><section style="text-align: center; color: rgb(51, 51, 51)"><span >—&nbsp;<strong >END&nbsp;</strong>—</span></section><section style="text-align: center; color: rgb(51, 51, 51)"><span ><strong style="color: rgb(33, 89, 103)">愿你家的保单永不出险！</strong><strong style="color: rgb(33, 89, 103)"></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: justify; color: rgb(51, 51, 51)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEcztdXE06nsChHb2dUxGQZQo6kTVEiclTvduCiage7u1WibxjEz4Pv5HictILoTk3MTOk5GXoM9FqTxiaC5g/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: justify; color: rgb(51, 51, 51)"><br /></section><section style="color: rgb(51, 51, 51)"></section><section style="text-align: left; color: rgb(51, 51, 51)"><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 >&nbsp; &nbsp;&nbsp;<span style="color: rgb(136, 136, 136)">点击阅读原文，查看</span><span style="color: rgb(33, 89, 103)"><span style="color: rgb(33, 89, 103)" yahei="yahei" sans="sans" px="px" none="none" normal="normal" ui="ui" gb="gb" sc="sc" neue="neue" mp-quote="mp-quote" left="left" break-word="break-word">省钱避坑</span>保险指南</span></span></section>