<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><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >支付宝上面的健康福少儿重疾，大家应该都看到过吧？有人是给孩子买了这款健康福的吗？</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >给孩子买重疾险，买错了还不如不买。</span></span></font></p><section nodeleaf=""></mp-common-videosnap></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">一</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >健康福和大黄蜂17号对比，到底怎么选？</span></span></h2><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最近我连续收到两个客户都是问我：</span><span text >支付宝健康福少儿重疾和大黄蜂</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号全能版</span><span text >，哪个好一点，到底怎么选？</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以我估计是个比较共性的问题，今天全面带大家分析一下这两个主流产品。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMzIS5zAXXKPLbUhWIslDWkD6SDSsNX0Y1S8QU8vDjicZEgmM8FjiaBKa43ASPwfmPdhlEIq1kBS3iaC9ME3U0KFicsd6Vvpg9qIow%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMzIS5zAXXKPLbUhWIslDWkD6SDSsNX0Y1S8QU8vDjicZEgmM8FjiaBKa43ASPwfmPdhlEIq1kBS3iaC9ME3U0KFicsd6Vvpg9qIow/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >我先说支付宝的健康福。它最大的优势就是</span></span><span style="color: rgb(235, 201, 0); text-align: justify">方便、门槛低</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，所有人都有支付宝，点开就能买，不用找任何渠道。而且是太平洋大公司，大家基本上在支付宝上看到首页推荐，不太会拒绝。</span></span><font face="Noto Sans SC" style="text-align: justify; color: rgb(235, 201, 0)"><span style="color: rgb(235, 201, 0); text-align: justify"><br /></span></font></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但它作为儿童重疾险的短板特别明显！首先，有一个条款，孩子</span></span><span style="color: rgb(235, 201, 0); text-align: justify">一旦理赔了重疾，后续所有轻症、中症保障直接全部终止</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >。还有一个条款，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">关于</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">20种特定疾病额外赔付，只保到30岁</span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >，孩子30岁之后再得这20种特定疾病，就不赔付了。</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNyibayTlRw4Iib3e5yJNIkjia4DjZ8U2ngBHoiaCSWxs7XDc1VicQWsXYnpWjbjtGkROWdbptxx6CUQrGEDKLP065XMbIEn5mJUkiaU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNyibayTlRw4Iib3e5yJNIkjia4DjZ8U2ngBHoiaCSWxs7XDc1VicQWsXYnpWjbjtGkROWdbptxx6CUQrGEDKLP065XMbIEn5mJUkiaU/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >而大黄蜂</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号全能版，条款没这么坑。一个是就算不幸得重疾先理赔重疾，后续非同组的轻症或者中症，依旧能正常理赔，保障不中断。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最良心的是它的</span></span></font><font face="Noto Sans SC"><span style="color: rgb(235, 201, 0); text-align: justify">20种特定疾病和20种罕见病额外赔付</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，都是终身有效，一辈子都能赔的。这一点跟健康福的区别比较大。</span></span></font></p><p ><font face="Noto Sans SC"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNjv9y4xQzKNEw3DyN6y3rG3haic0LQOuJbuCZTIKGKBFcwZrAwF4mE3mojw3ek9USP2qFvmMvbUeEYKPkUe6L5tyKtbtFYWvCc%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNjv9y4xQzKNEw3DyN6y3rG3haic0LQOuJbuCZTIKGKBFcwZrAwF4mE3mojw3ek9USP2qFvmMvbUeEYKPkUe6L5tyKtbtFYWvCc/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，大黄蜂</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号还有个比较实用的核心优势，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">18周岁之前，重疾保额会逐年上涨</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，可以适当抵消医疗通胀，假如孩子十几年后患病，保额依然够用。</span></span></font></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOycCOWUHmWNuicHnf91g2872xRZhAN7Y5MntvLvy2C4f8Jp3cZAAb0qAXmMqqr2z6IyN8ibWdVLZqwPktoWwaicRIHuicuysjxdWw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOycCOWUHmWNuicHnf91g2872xRZhAN7Y5MntvLvy2C4f8Jp3cZAAb0qAXmMqqr2z6IyN8ibWdVLZqwPktoWwaicRIHuicuysjxdWw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">二</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂17号全能版，自带多项独家保障</span></span></h2><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除此之外，大黄蜂</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号还自带很多独家保障，像</span></span><span style="color: rgb(235, 201, 0); text-align: justify">癌症拓展金、质子重离子补贴、重疾和中症保费补偿金、自闭症与抑郁症专项保障</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，这些都是健康福完全没有的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >这里我把细节条款贴在视频上，就不一一带大家看了。大家想理解这些细节条款的话再随时来找我。</span></span></font></p><p ><font face="Noto Sans SC"><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOajVicibWJIIxQiaZiaz9ktk4grvzvddibTicVqHiaetia1nibYAqY4ODebu8HTquZOL0hY1rd6Q4GIicgC6Wria7vREvCEC9az7MEzSMMZc%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOajVicibWJIIxQiaZiaz9ktk4grvzvddibTicVqHiaetia1nibYAqY4ODebu8HTquZOL0hY1rd6Q4GIicgC6Wria7vREvCEC9az7MEzSMMZc/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNUfAQjj0wub9ltXAAe8Fkt5IRAnwy87DM5gOt7tyBibLcdK7AYd6WuIfiajKQ8qezxdHEZA911o6Ps03YqW6n0ibTqjK8DyBHr6A%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNUfAQjj0wub9ltXAAe8Fkt5IRAnwy87DM5gOt7tyBibLcdK7AYd6WuIfiajKQ8qezxdHEZA911o6Ps03YqW6n0ibTqjK8DyBHr6A/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXNvD1TudBLkog6wl8EMdplPzeSx2Qoic558Fadibt8qrmBicN3riaiaXp8tahn34ThYntUvEuZcd9FpC8QkBe66bqwLomGY2fA8e4ms%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXNvD1TudBLkog6wl8EMdplPzeSx2Qoic558Fadibt8qrmBicN3riaiaXp8tahn34ThYntUvEuZcd9FpC8QkBe66bqwLomGY2fA8e4ms/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuv0tvwTXXT5m7Qic6fKgeWexDzZnauetEMnmLzpODCVcbAPDrvibOicFFDf0orxAQHibjCwaOudd0fAjo3RibShmMNibsfNGibQVsxQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuv0tvwTXXT5m7Qic6fKgeWexDzZnauetEMnmLzpODCVcbAPDrvibOicFFDf0orxAQHibjCwaOudd0fAjo3RibShmMNibsfNGibQVsxQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNJDdiadjqFDmKuV7KlnBOfo9CotYV0EuVeBicvKbysASLHho0SdqplA7ZUwibbsCIiamp9lMpo2WiaheV94MYcJXoKkCicRq4SjTazQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNJDdiadjqFDmKuV7KlnBOfo9CotYV0EuVeBicvKbysASLHho0SdqplA7ZUwibbsCIiamp9lMpo2WiaheV94MYcJXoKkCicRq4SjTazQ/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXP8z1REb3IVbtureRrkTC3ouibNGcCZ64hEUffdPvHwDOib3Ryq8Zgf53743KWCZKdMnYzkrNjia37En37bppvJwUK1eE0QOsckV8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXP8z1REb3IVbtureRrkTC3ouibNGcCZ64hEUffdPvHwDOib3Ryq8Zgf53743KWCZKdMnYzkrNjia37En37bppvJwUK1eE0QOsckV8/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXN62d4OoSa3Ez3Yiav8h5MOTntFgP6KWYvkT3BiacSHibpmS97mEs8IHrYDy3iaKibE01n8RmswOMkwY8yhc81E1qh9fD5dic3RfFefI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXN62d4OoSa3Ez3Yiav8h5MOTntFgP6KWYvkT3BiacSHibpmS97mEs8IHrYDy3iaKibE01n8RmswOMkwY8yhc81E1qh9fD5dic3RfFefI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >大黄蜂</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >17号唯一的缺点就是不能支付宝直接买，只能正规经纪渠道投保，而且只能年交，不能月交。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 34, 15)">三</span></span></h2><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >价格对比，区别不是很大</span></span></h2><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后再给大家算下价格，按照</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >3岁女孩测算，同样是50万保额，保终身，30年缴费，</span></span><span style="color: rgb(235, 201, 0); text-align: justify">价格都在3000左右/年，</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >差别不是很大。</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以结论我觉得是比较明显的，就产品而言，</span></span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">肯定还是选择大黄蜂</span></font><font face="Noto Sans SC" style="color: rgb(235, 201, 0); text-align: justify"><span style="color: rgb(235, 201, 0); text-align: justify">17号更好一些。</span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果想了解更多关于</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >少儿</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >重疾险的避坑重点和选择标准，可以找我免费咨询。</span></span></font></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><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%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); 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