<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 >年轻人买百万医疗险，不要因为便宜，就随便选一个下单。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果你不了解其中坑点的话，</span><span text >很可能钱花了，没有买到好的保障</span><span text >。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >买之前，有些真相你一定要先了解下：</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><section 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></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >百万医</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >疗险，常见三大坑</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >点，一定要注意</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >首先是百万医疗险，小病可能用不上。大多数百万医疗险都有</span></span></font><font face="Noto Sans SC"><span style="color: rgb(235, 201, 0); text-align: justify">1万免赔额</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，自己花超过1万块的部分才能赔。而1万以内的小病花费，靠医保也能报销一大部分。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >只</span><span text >有</span><span text >真正遇到一些动辄要几万、十几万甚至几十万的大病，百万医疗险才能派上用场。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >其次就是跟价格挂钩了，百万医疗险看着很便宜，但多年累计的续保总保费却不便宜。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它是会涨价的，而且年龄越大，保费越贵</span><span text >，到了老年疾病高发的年龄，一年保费可能要上万。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >还有，很多百万医疗险不报销外购药，如果得了大病，院外买的药，通常是比较昂贵的。如果没买到能报销外购药的产品，就亏大了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >并且，很多百万医疗险，</span><span text >都是交一年保一年，不保证续保的</span><span text >！如果中途理赔过，或者产品停售下架了，你的保障就直接中断了。</span></span></font></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></section><section 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></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >市面上两款主流产品对比，差别在哪？</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >所以，买百万医疗险，也一定要慎重，今天我找了两款大家买的比较多的产品</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >--</span></span><span style="color: rgb(235, 201, 0); text-align: justify">星相守2号、蓝医保好医好药版</span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，来作个对比，你们可以仔细看看差别。</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span><br /></span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXMw0ctaqdiaiaiclyMcGTiaZANTFjkcLrm9SIXgibOJ43Loo7YwwYNHBPKGiaAxiaMhuyWXMDsDKQIDLkYBFzot6cJug7ebI9xDdhY5IE%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMw0ctaqdiaiaiclyMcGTiaZANTFjkcLrm9SIXgibOJ43Loo7YwwYNHBPKGiaAxiaMhuyWXMDsDKQIDLkYBFzot6cJug7ebI9xDdhY5IE/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 >先看下住院报销，像</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span text style="color: rgb(235, 201, 0)">常规住院、门诊手术、特殊门诊责任</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >都涵盖了。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号有个很实用的地方，住院前后门急诊可以</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span text style="color: rgb(235, 201, 0)">报销前后 45天</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，蓝医保只有30天。</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%2FiaZHDj9icvRXMbXOS7q92chRAwJw1qwGeRm5FdA73cCgWI2eiauY2zCCG7FYuKAVqCRsvj4HdMZuhxXL6vjlPzrKDao0Tiby3opn0meHt5WkHag%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXMbXOS7q92chRAwJw1qwGeRm5FdA73cCgWI2eiauY2zCCG7FYuKAVqCRsvj4HdMZuhxXL6vjlPzrKDao0Tiby3opn0meHt5WkHag/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 >很多人术前要反复做检查，出院之后还要持续复诊开药，多出这半个月，能实实在在省下不少检查费用。而且它还能</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span text style="color: rgb(235, 201, 0)">报销义肢、义眼</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >这类康复器械，以及可以报销单人病房费，不用忍受吵闹，可以有更好的养病环境。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >免赔额这块，蓝医保这款产品不能选择，不管是一般医疗还是重大疾病，都是</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >1万免赔</span><span text >；星相守2号，一般医疗0免赔和1万免赔可以自选，而重疾治疗是直接0免赔的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >再看院外癌症靶向药这块，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >两者都是医保结算之后</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >0免赔、100%报销。区别在于药品数量和责任形式。</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span text style="color: rgb(235, 201, 0)">蓝医保一共覆盖276种特药种类，还包含5款CAR-T疗法</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，不用额外附加，20 年续保稳定性</span></span><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >比较足</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text > </span></span></p><p ><span><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXM6ysWjFqepvWuETGMtw2mTEPQHHQHaerGVlhpvIJMdBvuFvBJw2orzkTnTxYe27lIzCnx0B7MM9cyCoDVX0iaabHjib4ibzGF3E8%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXM6ysWjFqepvWuETGMtw2mTEPQHHQHaerGVlhpvIJMdBvuFvBJw2orzkTnTxYe27lIzCnx0B7MM9cyCoDVX0iaabHjib4ibzGF3E8/640?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 >星相守</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号则是</span></span><span style="color: rgb(235, 201, 0); text-align: justify"><span text style="color: rgb(235, 201, 0)">195种+3 种CAR-T</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >，数量少一些，但是注意一下，它的癌症特药属于可选责任，投保的时候要手动勾选。</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%2FiaZHDj9icvRXPg8GxGeicCUa1kZKlEUTLPibkqbxDyqjSxAfWnKydUEJkznTzjxWm9b5GNjHWED4nYMzanSz54D1VGg5BAoBX0t6icx47BdNOtdI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPg8GxGeicCUa1kZKlEUTLPibkqbxDyqjSxAfWnKydUEJkznTzjxWm9b5GNjHWED4nYMzanSz54D1VGg5BAoBX0t6icx47BdNOtdI/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></font></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></section><section 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></section><section 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：哪款产品性价比更高？</span></span></section><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后再看下价格，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >同样选择</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >1万免赔，</span></span><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很明显，</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >星相守</span></span></font><span style="color: rgba(0, 0, 0, 0.9)"><span text >2号要便宜一些</span></span><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></font></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXPgdZQSabNNL4Ub2x9IBRWsVrU6uO9nnSPphicY6X0kGSo5fXHYT1pqVL5encLqictdO4iaJz6owcUWuH5Gicy6iaQ4icn9v81RgIuAM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXPgdZQSabNNL4Ub2x9IBRWsVrU6uO9nnSPphicY6X0kGSo5fXHYT1pqVL5encLqictdO4iaJz6owcUWuH5Gicy6iaQ4icn9v81RgIuAM/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 style="color: rgb(0, 0, 0)">50岁时相差300多块，60岁时相差800多块，70岁时相差1200多块</span><span text >，差距还是有点大的。</span></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果不清楚自己的体检报告能不能正常投保，可以找我，我给你核对下。</span></span></font><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></p><p ><font face="Noto Sans SC"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></font></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><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" style="color: rgb(87, 107, 149)" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504043&idx=1&sn=140a1f1d12a619d2d0e36d819c014f63&scene=21#wechat_redirect" textvalue="查出乳腺结节，百万医疗险还能买吗？说点实话" linktype="text">查出乳腺结节，百万医疗险还能买吗？说点实话</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></span></section><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%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section><span><br /></span></section><p style="text-align: left"><span><span text >点击“阅读原文”进入「保险商城」</span></span></p><p ></mp-style-type></p>
