定期重疾险：一场“皆大欢喜”的保险骗局

<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447790313&amp;idx=2&amp;sn=55e0cf403a3327c58f7dfcc77ea888c8&amp;chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&amp;scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink" hasload="1" ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsiaGyrEMiayyELGOicoJoKFcoGMzjPNPkmJl8ly9LDIicKHx0noAhDpicAwC4QjIHhxmytxicPly6eHMYw%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsiaGyrEMiayyELGOicoJoKFcoGMzjPNPkmJl8ly9LDIicKHx0noAhDpicAwC4QjIHhxmytxicPly6eHMYw/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><p ><span ><br /></span></p><p ><span >重疾险选终身还是定期？</span></p><p ><span >&nbsp;</span></p><p ><span >几乎所有自媒体、代理人的回答都是：“预算充裕就选终身、预算紧张就选定期。”</span><span ></span></p><p ><span >&nbsp;</span></p><p ><span >但我说句实话，</span></p><p ><span >&nbsp;</span></p><p ><span >你要是真买了定期重疾险，可以肯定：<strong>你掉坑了</strong>。</span></p><p ><span >&nbsp;</span></p><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><strong >一、为什么要买终身重疾险？</strong></strong></strong></span></section></section></section></section></section></span></section><p ><span ><strong><br /></strong></span></p><p ><span >“为什么要买终身重疾险”的答案只有一个：</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(255, 169, 0)"><strong><span style="color: rgb(255, 169, 0)">终身重疾险是目前唯一一种可以锁定终身保障且费率固定的健康保险！</span></strong></span></p><p ><span >&nbsp;</span></p><p ><span >即保障疾病的保险里，只有终身重疾险能保你一辈子，定期重疾险、百万医疗险都做不到。</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">如果你不想七老八十患大病拖累孩子，又想获得好的治疗，那你只能选择保一辈子的终身重疾险。</span></p><p ><span ><br /></span></p><p ><span >可惜看清这点的人实在不多，甚至还会质疑：</span></p><p ><span >&nbsp;</span></p><p ><span >几十年通货膨胀下来，重疾保额早不值钱了，买终身重疾险有啥用？</span></p><p ><span >&nbsp;</span></p><p ><span >只能说，想偏了。</span></p><p ><span >&nbsp;</span></p><p ><span >举个例子，现在买50万保额，如果按每年通胀3%来算，40年后的现值就是：</span></p><p ><span >&nbsp;</span></p><p ><span >50 / (1+0.03)^39 =<strong><span >15.79</span></strong>万元</span></p><p ><span >&nbsp;</span></p><p ><span >这是否能佐证买定期重疾险就足够了呢？不能。</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">因为买定期重疾险也有通货膨胀存在，并且一旦保障到期就失去了疾病保障（70岁再买其他健康险也不现实）。</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">买了终身，别说15.79万，即便是10万，用来治病谁敢说就一点用都没？更别提这几十年，保险公司需要承担的赔付风险了。</span></p><p ><span ><br /></span></p><p ><span >至于怎么抵御通货膨胀，认真说：<strong>普通人完全没有办法抵抗通货膨胀</strong>。</span></p><p ><span ><br /></span></p><p ><span >这是既定事实。<br /></span></p><p ><span >&nbsp;</span></p><p ><span >真想让重疾险保障维持在高水准，只有一个办法：<strong>做高重疾险的终身保额</strong>。</span></p><p ><span >&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">买了50万终身重疾险，再加保50万或者更多就行。</span></p><p ><span style="color: rgb(136, 136, 136)">&nbsp;</span></p><p ><span style="color: rgb(136, 136, 136)">我们要做的从来不是跑赢通货膨胀，能降低部分通货膨胀带来的影响就算赢。</span></p><section ><span >&nbsp;</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 >二、根源在重疾发生率</strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><section ><span >即便你没仔细研究过相关数据，</span><span >应</span><span >该也知道人<strong>越老</strong>越容易患</span><span >大病</span><span >。</span></section><section ><br /></section><section ><span >下面我们就看下不同年龄段的患病数据</span><span style="color: rgb(136, 136, 136)">（非累计值）</span><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%2FaqibLpHUEcztosmusjV6F3zVyBqHUGQYwJ9xT7ORKUTfsh5lyYUvxffsz8YKap0IGLNcJ0vXMQdeKBTJDrJou4w%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztosmusjV6F3zVyBqHUGQYwJ9xT7ORKUTfsh5lyYUvxffsz8YKap0IGLNcJ0vXMQdeKBTJDrJou4w/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)">图源：《中国人身保险业重大疾病经验发生率表（2020）编制报告》</span><br /></section><section ><br /></section><section ><span >放眼全局，人生患大病的几率是按<strong>J字型</strong>增长的，30岁前想患大病都难，70岁后不想患大病得看天。</span></section><section ><span ><br /></span></section><section ><span >大家可能没啥感觉，这么说吧：</span></section><section ><span ><br /></span></section><section ><span >目前孩子的定期重疾险</span><span style="color: rgb(136, 136, 136)">（保30年这种）</span><span >，对保险公司来说，<strong >保费约等于利润</strong>。</span></section><section ><span ><br /></span></section><section ><span style="color: rgb(136, 136, 136)">为什么保险公司喜欢出定期重疾险？</span><span style="color: rgb(136, 136, 136)">完全是利润空间太大了，简直一本万利...</span></section><section ><span ><br /></span></section><section ><span >接下来再看量化的患病概率</span><span style="color: rgb(136, 136, 136)">（累计值）</span><span >：<br /></span></section><section ><br /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEcztosmusjV6F3zVyBqHUGQYwd8xgauWISEehLXRwdRtmPQuES6ec7MLZGpGQDDquZzkC8g5dI9dSiaA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEcztosmusjV6F3zVyBqHUGQYwd8xgauWISEehLXRwdRtmPQuES6ec7MLZGpGQDDquZzkC8g5dI9dSiaA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><br /></section><section ><span >30岁男性投保，一生患大病</span><span style="color: rgb(136, 136, 136)">（指28种高发重疾）</span><span >的概率为<strong >65.91%</strong>。<br /></span></section><section ><br /></section><section ><span >如果只保到70岁，这个概率会骤降到<strong >29.04%</strong>；</span></section><section ><span ><br /></span></section><section ><span >要是只保30年</span><span style="color: rgb(136, 136, 136)">（即保到60岁）</span><span >，更低，只有<strong >13.34%</strong>。<br /></span></section><section ><br /></section><section ><span style="color: rgb(255, 169, 0)"><strong ><span style="color: rgb(255, 169, 0)">所以买定期重疾险，大多数人只是在给保险公司送钱！</span></strong></span></section><section ><strong ><span ><br /></span></strong></section><section ><span >定期结束后，患病率开始爬坡</span><span style="color: rgb(136, 136, 136)">（还是陡坡</span><span >）的时间段反而没了保障。</span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">可能有人会说那时快死了无所谓，别忘了，现在人均寿命就77岁了，我们这代人活个85-90岁完全没问题。</span></section><section ><br /></section><section ><span >尤其越老患大病概率越高！<br /></span></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">久病床前无孝子大家都知道，不靠自己现在准备好<strong >锁定终身</strong>的疾病保障，真就想靠别人？</span></section><section ><br /></section><section ><span >所以，千万别听别人说没预算买个定期，</span></section><section ><br /></section><section ><strong ><span >不能锁定终身风险的健康险就不是好保险！</span></strong></section><section ><br /></section><section ><span style="color: rgb(136, 136, 136)">百万医疗险就是如此，具体可以看：<a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793806&amp;idx=1&amp;sn=5aac394eeded76d15d094c25657cba1b&amp;chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&amp;scene=21#wechat_redirect" tab="innerlink">百万医疗险：大多数人看不透的假象</a></span></section><p ><span >&nbsp;</span></p><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><strong >三、预算真的不够怎么办?</strong></strong></strong></span></section></section></section></section></section></span></section><p ><br /></p><p ><span >接上条，那实在没预算咋整？总不能不吃饭来买吧？</span></p><p ><span >&nbsp;</span></p><p ><span >给大家指条路</span><span >，</span><span style="color: rgb(255, 0, 0)"><strong>换产品</strong></span><span >就行。</span></p><p ><span ><br /></span></p><p ><span >人和人的体质不能一概而论，保险也一样。</span></p><p ><span >&nbsp;</span></p><p ><span >举个例子，30岁女性投保，同样50万终身保额，同样30年交。</span></p><p ><span >&nbsp;</span></p><ul ><li ><section ><span >达尔文5号焕新版<strong><span >6605</span></strong>元/年；</span></section></li><li ><section ><span >有为1号<strong><span >4360</span></strong>元/年。</span></section></li></ul><section ><span >&nbsp;</span></section><section ><span >选最便宜的终身重疾险，能直降30%-50%，大幅减轻缴费压力，<span >基础保障也有了</span>。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >那预算还不够怎么办？</span></strong></section><section ><span >&nbsp;</span></section><section ><span >还有一招，</span><span style="color: rgb(255, 0, 0)"><strong>降保额</strong></span><span >。</span></section><section ><span >&nbsp;</span></section><section ><span >比如先降到30万，那样有为1号的<strong><span >4360</span></strong>元/年，能降到<strong><span >2616</span></strong>元/年。</span></section><section ><span >&nbsp;</span></section><section ><span >然后等明年或之后又有预算了，再选一个重疾险<strong>加保</strong>回50万终身保额以上就行。</span></section><section ><span >&nbsp;</span></section><section ><strong><span >预算还不够？</span></strong></section><section ><span >&nbsp;</span></section><section ><span >…</span></section><section ><span >&nbsp;</span></section><section ><span >平均一个月200保费都拿不出来的，建议躺平就好。</span></section><section ><span >&nbsp;</span></section><section ><span >不要想着做长期保障规划了，目光放短浅些，做好近期保障，交好社保，买个惠民保，其他等有预算再说。</span></section><section ><span >&nbsp;</span></section><section ><span style="color: rgb(127, 127, 127)">Ps：风险是这期间患个病，可能就买不了重疾险等健康险了，这辈子疾病保障也就没了。</span></section><section ><span >&nbsp;</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 >写在最后</strong></span></section></section></section></section></section></span></section><section ><br /></section><section ><span >只希望大家了解，</span></section><section ><br /></section><section ><span >别人说，买定期买终身看预算，都能买，根本目的是为了让你买，实现快速收割。</span></section><section ><br /></section><section ><span >你买了，他卖了，双方皆大欢喜。</span></section><section ><br /></section><section ><span >但对他们来说，你买定期还是买终身丝毫不影响他们的利益，<span >反正你70岁后也找不到他了</span>。</span></section><section ><span ></span></section><section ><span ><br /></span></section><section ><span style="color: rgb(127, 127, 127)">至于选错的人，如人饮水，冷暖自知罢了。</span></section><section ><br /></section><section ><span style="color: rgb(0, 0, 0)">相关阅读：</span></section><section ><br /></section><section ><span ><strong ><span ><strong >买保险必看攻略：</strong></span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447792252&amp;idx=1&amp;sn=2712fdcf567afeea148fee4dfa683f2b&amp;chksm=b2b07f3e85c7f628e1e2e41ad04611ff1cceaf89802012309c79d887f5d295c89d23082a3104&amp;scene=21#wechat_redirect" tab="innerlink" hasload="1" >懂保爷首创「35风险模型」：没懂之前不要买保险！</a></span></section><section ><strong><span >医疗险的坑：</span></strong><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&amp;mid=2447793806&amp;idx=1&amp;sn=5aac394eeded76d15d094c25657cba1b&amp;chksm=b2b079cc85c7f0daa3c5ea990e40041f4cbc8c9d6af5c2f98ef9b77c660238a82438bcddef2f&amp;scene=21#wechat_redirect" tab="innerlink" ><span >百万医疗险：大多数人看不透的假象</span></a><br /></section><section ><br /></section><section style="text-align: center"><span ><span >—&nbsp;</span><strong >END&nbsp;</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><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FaqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/aqibLpHUEcztskunFytwCia8wiaepDysSMfE3VwhSiaK8siaOT9TuTk1zdwnnNQxrWZ5P8bwZP6icia0z7fyVElB7hctw/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></p><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 >&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)">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，帮忙点个<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>