<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: center"><span >支付宝上的好医宝重疾保障价格特别便宜</span></section><section style="text-align: center"><span >30岁男性</span></section><section style="text-align: center"><span >买50万保额</span></section><section style="text-align: center"><span >一年只要755元</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >这么便宜</span></section><section style="text-align: center"><span >凭什么呢？</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >因为这是一款一年期重疾险</span></section><section style="text-align: center"><span >它采用的是自然费率</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >年龄越大</span></section><section style="text-align: center"><span >保费越贵</span></section><section style="text-align: center"><span >30岁时，每年只要700多块钱</span></section><section style="text-align: center"><span >而到了70岁</span></section><section style="text-align: center"><span >买同样的产品</span></section><section style="text-align: center"><span >同样的保额</span></section><section style="text-align: center"><span >一年要交两万五千多</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >我们假设30岁的男性</span></section><section style="text-align: center"><span >要买50万重疾险保到70岁</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >如果说买的是好医保重疾险保障</span></section><section style="text-align: center"><span >需要缴费40年</span></section><section style="text-align: center"><span >总保费是31万9275元</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >如果买的是健康保2.0这种长期重疾险</span></section><section style="text-align: center"><span >只需要缴费30年</span></section><section style="text-align: center"><span >总保费是81300元</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >相差22万</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >另外呢，这种一年期产品都不保证续保</span></section><section style="text-align: center"><span >一旦产品停售</span></section><section style="text-align: center"><span >你也就失去了保障</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span >所以说，像这种产品只适合预算有限的年轻人</span></section><section style="text-align: center"><span >给自己一个短期的过度</span></section><section style="text-align: center"><span >一旦有了条件</span></section><section style="text-align: center"><span >还是尽早给自己一个长期的保障</span></section><section style="text-align: center"><span ><br /></span></section><section style="text-align: center"><span ><mpchecktext><br /></mpchecktext></span></section><section style="color: rgb(51, 51, 51)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczuLxnYXvaRJNUZtg7bWYkT5JrWpl1OktXicY6Y15O4tnkRQ4RdyYIJcXJQSclT6HVmhnkG3nD8wd0w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgb(51, 51, 51)"><br /></p><h2 style="color: rgb(51, 51, 51)"><span >最后保爷来分享下保爷研究了几百个保险后吐血整理出来的【保险指南】，看完保证能帮你省钱50%避坑100%！</span></h2><section style="color: rgb(51, 51, 51)"></section><section style="color: rgb(51, 51, 51)"><br /></section><section style="color: rgb(51, 51, 51)"><span ><strong style="color: rgb(33, 89, 103)">指南目录</strong><strong style="color: rgb(33, 89, 103)"></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span >一、家庭投保四大基本原则</span></section><section style="color: rgb(51, 51, 51)"><span >二、四大保障型保险简介</span></section><section style="color: rgb(51, 51, 51)"><span >三、保险方案（儿童、中年人、父母）</span></section><section style="color: rgb(51, 51, 51)"><span >四、买保险前不可不知的10大问题</span></section><section style="color: rgb(51, 51, 51)"><span >五、添加保爷微信一对一咨询</span></section><section style="color: rgb(51, 51, 51)"><span >六、私人定制家庭保险方案<br /></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >一、家庭投保四大基本原则</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则1：先自己后小孩再父母</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则2：先保障后理财</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则3：单点不要套餐</span></section><section style="color: rgb(51, 51, 51)"><span style="color: rgb(0, 0, 0)">原则4：先保额后其他</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >二、保障型4大保险简介</strong><strong ></strong></span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span >从保障的角度，保险分为四大类：<strong >重疾险、定期寿险、意外险、医疗险</strong>。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >重疾险：</strong><strong ></strong></span><span >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。主要用于弥补患大病后不能工作导致的收入损失，大病必备。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >医疗险：</strong><strong ></strong></span><span >是我们最熟悉、接触最多的，它和基本医保一样，是报销型保险，就是先看病，花了多少钱，凭发票报销。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >定期寿险：</strong><strong ></strong></span><span >保障责任很简单，就是保障身故和全残，如果身故/全残了，就获得保额赔偿。若是<strong >家庭经济支柱</strong>或者有<strong >房贷</strong>的朋友，建议投保一份。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span style="color: rgb(33, 89, 103)"><strong >意外险：</strong><strong ></strong></span><span >保障意外医疗、意外伤残和意外身故，价格低、保额高，所以杠杆非常高。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span ><strong ><span >这4类保障型保险配置完后，如果还有预算，才可以考虑理年金险、分红险、万能险等理财类保险，千万不要本末倒置了。</span></strong></span><br /></section><section style="text-align: center; color: rgb(51, 51, 51)"><span >......</span><br /></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="color: rgb(51, 51, 51)"><span >完整版<strong >保险指南</strong>请点击左下角“<strong >阅读原文</strong>”查看。</span></section><p style="color: rgb(51, 51, 51)"><br /></p><section style="text-align: center; color: rgb(51, 51, 51)"><span ><span >— </span><strong >END </strong><span >—</span></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="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="color: rgb(51, 51, 51)"></section><section style="text-align: left; color: rgb(51, 51, 51)"><br /></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 > <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>
