<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><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" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多客户都是这样：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >身体没问题的时候，从来没想过买医疗险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >直到医院查出一个甲状腺结节、乳腺结节、肺结节，或者血压有点异常了，才突然开始担心：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >“我是不是应该买一份医疗险？”</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >然后就来找我，想买一份</span><span text >网上口碑不错、性价比高</span><span text >的百万医疗险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >结果一核保发现，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >最担心的这个疾病，保险公司恰恰给你除外了。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >客户就会纠结：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >既然我最想保的病不赔，那这份医疗险还有必要买吗？</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我的答案很直接：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >医疗险还是有必要买，但没必要非要死磕这一款，可以退一步，换一种思路。</span></span></strong></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >什么意思？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text style="color: rgb(64, 2, 0)">一</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >主流的百万医疗险，身体异常除外概率大</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >现在市场上比较主流的百万医疗险，很多都是</span></span><strong><span><span text >保证续保20年</span></span></strong><span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这类产品最大的优势，就是在保证续保期间，哪怕以后身体状况发生变化，也不会因为健康问题拒绝你续保。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >很好，对吧？</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >但问题是，</span></span><strong><span><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >不是什么样的身体情况都能直接买。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >毕竟，保险公司愿意给你锁定20年的保障，前提还是要先看你现在的身体状况。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你现在已经有一些健康问题，经过智能核保或者人工核保以后，</span><span text >可能标体承保，也可能除外承保，严重一些的，甚至可能直接拒保</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我就以性价比很高、市场热门款的太保健康的</span></span><strong><span><span text >蓝医保（好医好药版）</span></span></strong><span><span text >为例：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOxDicUR5hGBTxcZzicxPDgzW7nibEzGUciclIPhalrbR5x1AZl7icuHCwcwtHFbEXSoSGRcLzSbQ2hlqqcZNIBz6FPhZWu79hndOPw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOxDicUR5hGBTxcZzicxPDgzW7nibEzGUciclIPhalrbR5x1AZl7icuHCwcwtHFbEXSoSGRcLzSbQ2hlqqcZNIBz6FPhZWu79hndOPw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span><span text >比如说</span><span text >单纯高血压，没有并发症</span><span text >这种情况</span></span></span><span><span text >，就是</span><span text >除外承保</span><span text >：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXO4ia5aS5jvvdPNuwnWjYxr5fvibgNWJGjErWzGqobusLWkxANMjTMMsaGnp8Ubkj4bXv9lgNmxdHIaKQUOuKHNNE0xjR8J5uX30%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXO4ia5aS5jvvdPNuwnWjYxr5fvibgNWJGjErWzGqobusLWkxANMjTMMsaGnp8Ubkj4bXv9lgNmxdHIaKQUOuKHNNE0xjR8J5uX30/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >也就是说，</span><span text >未来如果因为高血压本身，或者高血压引起的相关并发症产生医疗费用，保险公司是不承担责任的</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那对客户来说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >“我就是因为高血压才想买医疗险的，怎么办？”</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我的建议是：</span><span text >可以退一步</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text style="color: rgb(64, 2, 0)">二</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >考虑免健康告知的医疗险</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >这类产品最大的特点，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >就是</span></span><strong><span><span text >不需要像普通百万医疗险一样进行健康告知。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以，对于已经有一些小毛病、买普通医疗险被除外了的人，更友好。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我以众安的</span><span text >众民保2026</span><span text >为例，这款产品是</span><span text >免健康告知百万医疗险里性价比比较高的一款</span><span text >：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOw8wAa9O8Bx0I5ialMpZ1k4jkqnMibW9Muh7Mic9lFUV5PEDvQJAH0uDbNlL0SpAG2h3AJbp6bnO4fg919AyHZ9NqopFZ5Ydw3jI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOw8wAa9O8Bx0I5ialMpZ1k4jkqnMibW9Muh7Mic9lFUV5PEDvQJAH0uDbNlL0SpAG2h3AJbp6bnO4fg919AyHZ9NqopFZ5Ydw3jI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >高血压（无并发症）</span><span text >可保可赔</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >另外，甲状腺4级以下、乳腺结节4</span></span><span><span text >级以下、糖尿病（无并发症）等等一般既往症都是</span><span text >可以正常买、并且正常理赔的</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以我说，</span></span><span style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span text >对于</span><span text >因为健康问题被普通医疗险除外的人来说，换一种思路，</span></span><strong style="color:rgba(0, 0, 0, 0.9); text-align:justify"><span><span text >免健康告知的医疗险，反而可以作为一个更现实的替代方案</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >不过，这类产品大多是一年期产品，今年能买，不代表明年一定还能按现在的条件继续买，产品也可能调整。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >这一点，大家一定要提前知道。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以说，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果身体健康，当然</span><span text >优先考虑保证续保20年的百万医疗险，就比如我上面提到的太保的蓝医保（好医好药版）</span><span text >；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >但如果</span><span text >已经有结节、高血压、糖尿病等问题，普通医疗险被除外了，</span></span><strong><span ><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >那也</span><span text >别因为“除外”两个字直接放弃医疗保障</span><span text >，可以考虑换一种产品思路，选择</span><span text >众民保2026这款免健告的百万医疗险</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >另外有一点需要说一下，如果是</span><span text style="color: rgba(0, 0, 0, 0.9)">恶性肿瘤、严重肝肾疾病、心脑血管并发症疾病、慢性肺病、帕金森/自身免疫病</span><span text style="color: rgba(0, 0, 0, 0.9)">等等5大类严重既往症及其并发症，</span></span><strong><span ><span text >众民保2026</span></span></strong><span><span text style="color: rgba(0, 0, 0, 0.9)">也是</span><span text style="color: rgba(0, 0, 0, 0.9)">除外承保</span><span text style="color: rgba(0, 0, 0, 0.9)">的。</span></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNNpUBibJj9nHmdAKibF0MRICoBxAaibyMRNqKWlqrBMqZyXrQRO3Dfb0dE5bCHWicbBHpKgQhD7CqDYibJmcNVJlYvcibh8QW29hTpw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNNpUBibJj9nHmdAKibF0MRICoBxAaibyMRNqKWlqrBMqZyXrQRO3Dfb0dE5bCHWicbBHpKgQhD7CqDYibJmcNVJlYvcibh8QW29hTpw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >不过真到了这种身体情况，别的产品都是直接拒保的，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以还是建议大家买上，有比没有的好。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >最后，我想说，</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >医疗险这东西，</span></span><strong><span ><span text >真的不要等身体出问题了，才想起来买</span><span text >。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >因为健康的时候，你有很多产品可以选，也更容易拿到标准承保。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >一旦身体出现问题，选择就会越来越少。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >所以，如果你现在身体还健康，</span></span><strong><span ><span text >能早点配置，就尽量早点配置。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果已经有一些健康问题，也别轻易放弃，市面上也有能标体承保的好产品。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >如果你不知道自己的情况还能买什么样的医疗险，可以来找我，我帮你具体看看。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >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：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「百万医疗险」</span></span><span ><span text >产品测评表</span></span></p><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%2FiaZHDj9icvRXMQXDqq48bYUgFQBPyeHs61GthWgnM9xLByxfDQBmcwvQSFVyjKJ2NPatJvNALC3CYiaAsKWiaaicemT6yjRP6qMW7fDTGSxqLeqI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D7" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMQXDqq48bYUgFQBPyeHs61GthWgnM9xLByxfDQBmcwvQSFVyjKJ2NPatJvNALC3CYiaAsKWiaaicemT6yjRP6qMW7fDTGSxqLeqI/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=7" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-最新更新的2类7大保险榜单</span></span></p><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%2FiaZHDj9icvRXMN2fIudGk0g8ptD8XiczolJfeuuGZQqq42SsIeb5ByL0jvoic8wsS7lyYYH9Rn6MHPG6iaGQdsyckRF3kSptLDNpT8VfZPAMiaTGI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D8" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMN2fIudGk0g8ptD8XiczolJfeuuGZQqq42SsIeb5ByL0jvoic8wsS7lyYYH9Rn6MHPG6iaGQdsyckRF3kSptLDNpT8VfZPAMiaTGI/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=8" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><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><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><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_jpg%2FiaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取，我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><br /></span></p><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%3Dwxpic%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=wxpic#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"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504885&idx=1&sn=9d02e554321711b4f0c21f28c6660ffa&scene=21#wechat_redirect" textvalue="重疾险没赔=白花钱？是你算错了几笔账" linktype="text">重疾险没赔=白花钱？是你算错了几笔账</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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