<section ></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsxhcDPugRRiaDEErgjVfSmXjDmFk8A9kSc130QahzWeAYXGlloJGBe6wKsjUAMB5oyBqQhwTuSv6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsxhcDPugRRiaDEErgjVfSmXjDmFk8A9kSc130QahzWeAYXGlloJGBe6wKsjUAMB5oyBqQhwTuSv6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczunWOp8UZfTEWE3yAUiaceiaY8e3ZyCC9QgDtPXFzg8BQNCJyGGrWS0eYI4exnmmUlb2rBABZ6u9bxQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczunWOp8UZfTEWE3yAUiaceiaY8e3ZyCC9QgDtPXFzg8BQNCJyGGrWS0eYI4exnmmUlb2rBABZ6u9bxQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><br /></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccpibf6NVtLb4AomQDZjLX90P9tQjS93N59EcBfxop7Q4jCZa03iciaNNiaQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccpibf6NVtLb4AomQDZjLX90P9tQjS93N59EcBfxop7Q4jCZa03iciaNNiaQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >细心的朋友发现了我在<strong>成人单次赔付重疾险</strong>的测评文章：</span><a href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447785979&idx=1&sn=79dbad5633a1978a0983cfd955b52b62&chksm=b2b018b985c791afdcf0ceaca280043580bb7c84bfa03f53e973350c86d83a13852b9f743761&scene=21#wechat_redirect" target="_blank" ><span >12款超高性价比【重疾险】对比测评，哪款最值得买？</span></a><span >下面的置顶留言说目前第一推荐的是<strong>复星联合的达尔文1号</strong>：</span></p><p style="text-align: center"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsIicoQZbpzOjXib22hfKwB0tMTOPtPoiag1raXy76l7icQSrZnlqibY2Uy5Gok6BWOrt58kueiab3FeojA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsIicoQZbpzOjXib22hfKwB0tMTOPtPoiag1raXy76l7icQSrZnlqibY2Uy5Gok6BWOrt58kueiab3FeojA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >今天就来具体讲一讲为什么复星联合达尔文1号登上了冠军宝座？</span></p><p style="text-align: left"><span ><br /></span></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczsIicoQZbpzOjXib22hfKwB0tNBGnCN30QjElSPlQBtzjkKJKv1WiaA7qcVqKAhlyDgdWsGQWhQ542VQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczsIicoQZbpzOjXib22hfKwB0tNBGnCN30QjElSPlQBtzjkKJKv1WiaA7qcVqKAhlyDgdWsGQWhQ542VQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><br /></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccHS2WcH6PEP8CQia2GCSicpPg6dFuibqQdyvwFjDFAmFHAaqP75DE3wExw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccHS2WcH6PEP8CQia2GCSicpPg6dFuibqQdyvwFjDFAmFHAaqP75DE3wExw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: left"><span >先普及一下重疾险的<strong>“身故责任”</strong>保障，这个对保费的影响很大（也很难懂，大家仔细多看几次）！</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >许多朋友之所以在乎<strong >重疾险的身故责任</strong>，是因为担心假如不是因为得大病身故了，交了那么多年的保费，如果没有身故责任的话，拿不到赔偿！</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >身故责任分为三种：<strong>身故赔付保额、身故赔付已交保费、身故赔付现金价值</strong>。</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span >其中<strong>身故赔付现金价值的重疾险</strong>一般不会说有身故保障，<span style="text-align: left">但是可以通过退保拿回现金价值。</span>（达尔文1号例外，条款直接明说了身故赔付现金价值）</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><span ><strong style="text-align: left">身故赔付现金价值的重疾险</strong>大多可以附加身故责任变为<strong>身故赔付已交保费的重疾险</strong>，但需要多交18%左右的保费。</span></p><p style="text-align: center"><br /></p><p style="text-align: left"><span style="color: rgb(136, 136, 136)">具体我来举个例子说明下：</span></p><p style="text-align: left"><br /></p><p ><span style="color: rgb(136, 136, 136)">小明在30岁时投保了<strong>50</strong>万保额的重疾险，每年交保费1万元，50岁时不幸身故（期间没有发生过重疾理赔），假设50岁时的保单现金价值为<strong>15</strong>万，小明这20年总共已交保费是<strong>20</strong>万元：</span></p><p><br /></p><p ><span style="color: rgb(136, 136, 136)">若这个重疾险的身故责任是<strong>赔付保额</strong>，那么小明的家人可获得50万的赔偿；</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">若这个重疾险的身故责任是<strong>赔付已交保费</strong>，那么小明的家人可获得20万的赔偿；</span></p><p ><span style="color: rgb(136, 136, 136)"><br /></span></p><p ><span style="color: rgb(136, 136, 136)">若这个重疾险<strong>没有身故责任</strong>，那么小明的家人可通过退保拿到保单当时的现金价值15万。</span></p><p style="text-align: left"><br /></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccd9ygGZxpaKoOMUoleFU2alTX0QicgvNhwyqeYic92BAibgp1zoctCefAQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccd9ygGZxpaKoOMUoleFU2alTX0QicgvNhwyqeYic92BAibgp1zoctCefAQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >弄清楚了三种身故赔偿，我们来看下测评对比表，保爷选择了</span><span style="color: rgb(0, 82, 255)">身故赔付保额的康乐一生B款</span><span >、</span><span style="color: rgb(0, 82, 255)">身故赔付现金价值的达尔文1号</span><span >、</span><span style="color: rgb(0, 82, 255)">可附加身故赔付已交保费的康惠保旗舰版</span><span >：</span></p><p style="text-align: center"><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsIicoQZbpzOjXib22hfKwB0tFOSic22VdlgdBPUwZBPVStmHiammYxaBDNsHJWrwJGfJibLyWHZUpFhuA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsIicoQZbpzOjXib22hfKwB0tFOSic22VdlgdBPUwZBPVStmHiammYxaBDNsHJWrwJGfJibLyWHZUpFhuA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p><br /></p><p ><span >从上表对比可以得出结论：</span></p><p><br /></p><p ><span style="color: rgb(0, 82, 255)">如果不在意身故保障，只想保障重疾，身故责任去通过定期寿险解决的朋友</span><span >：康惠保旗舰版不附加身故责任的保费最低，30岁男性5273元，30岁女性4801元；</span></p><p><br /></p><p ><span style="color: rgb(0, 82, 255)">如果在意身故赔付并且希望获得尽可能多的赔付</span><span >：康乐一生B款是直接赔付保额的（假如你投保了50万，到时没得重疾身故了也会赔你50万）。</span><span >康惠保旗舰版附加的身故责任是赔付已交保费，30岁男性的已交保费最多也就6271*30=18万多，远少于50万。那么达尔文1号如何呢？</span></p><p><br /></p><p ><span >要得出这个答案，我们需要看下重疾险的<strong>现金价值、已交保费、保额</strong>这三者的变化趋势。</span></p><p><br /></p><p ><span >绝大多数身故责任<span style="color: rgb(0, 82, 255)">非</span>赔偿保额的重疾险的现金价值是个向下的抛物线，随着年龄增长现金价值<strong>先增后减</strong>，但达尔文1号是个特例，它的现金价值终身递增，最终接近保额的95%！</span></p><p><br /></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczunWOp8UZfTEWE3yAUiaceiaYpFUx1gdX3e3icd2pjvuWaOxORRCAaoyu2CyXL0fP9EsSHK4AjN8KcwQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczunWOp8UZfTEWE3yAUiaceiaYpFUx1gdX3e3icd2pjvuWaOxORRCAaoyu2CyXL0fP9EsSHK4AjN8KcwQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="text-align: center"><br /></p><p ><span >所以复星联合的达尔文1号从后期看应该是同身故赔付保额的康乐一生B款是同一个级别的重疾险，但它的价格比康乐一生B款便宜了近2000元；</span></p><p><br /></p><p ><span >达尔文1号比附加身故赔付已交保费的康惠保旗舰版也要便宜，并且康惠保旗舰版的身故赔付最多也就总已交保费一二十万，但从上图看得出来，达尔文1号的现金价值在后期是远超总保费的。</span></p><p><br /></p><p ><span >所以达尔文1号是比康惠保旗舰版高一个级别的，但是价格却还便宜一点！</span></p><p ><span ><br /></span></p><p ><span >测评对比表再放一次，免得你再翻到前面去看：</span></p><p ><span ><br /></span></p><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczsIicoQZbpzOjXib22hfKwB0tFOSic22VdlgdBPUwZBPVStmHiammYxaBDNsHJWrwJGfJibLyWHZUpFhuA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczsIicoQZbpzOjXib22hfKwB0tFOSic22VdlgdBPUwZBPVStmHiammYxaBDNsHJWrwJGfJibLyWHZUpFhuA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p><br /></p><p ><strong><span >所以综上，复星联合的达尔文1号是目前最推荐的成人单次赔付重疾险！具体产品详情可通过公众号菜单“精选保险”找到详细了解、测算价格投保。</span></strong></p><p style="text-align: left"><br /></p><p style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FaqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccIB66vPCNTJXJZAqnZNVUMDYUU1CTXaic7iapWt6icKsMRkCMHczBrMUhg%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/aqibLpHUEczvEBe3ga5ibzPVPFIp41BSiccIB66vPCNTJXJZAqnZNVUMDYUU1CTXaic7iapWt6icKsMRkCMHczBrMUhg/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p ><span >这篇文章可能读起来有点绕、比较难懂，保爷为了写得尽可能地通俗易通也是花费了好多精力，反复在优化我的描述文案。</span></p><p><br /></p><p ><span >如果有疑问，可通过公众号菜单“咨询保爷”添加保爷的微信，随时来问我！</span></p><p ><span ><br /></span></p><p style="text-align: center"><strong><span style="color: rgb(0, 82, 255)">愿你家的保单永不出险！</span></strong></p><p ><span ><br /></span></p><p ><span >相关阅读：</span></p><p ><a href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447785979&idx=1&sn=79dbad5633a1978a0983cfd955b52b62&chksm=b2b018b985c791afdcf0ceaca280043580bb7c84bfa03f53e973350c86d83a13852b9f743761&scene=21#wechat_redirect" target="_blank" ><span >12款超高性价比【重疾险】对比测评，哪款最值得买？</span></a><span ><br /></span></p><p><br /></p><p style="text-align: center"><span >— </span><strong >END </strong><span >—</span></p><section ><section ><section ><section style="text-align: center"><p style="color: rgb(240, 84, 84)"><span style="color: rgb(136, 136, 136)">【若本文对你有帮助，别忘了分享给你的朋友】</span></p><p style="color: rgb(240, 84, 84)"><span style="color: rgb(136, 136, 136)"><br /></span></p><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FaqibLpHUEczs6rb27stEMZBWC1M5LHaic7TGYulfibzNvceDicf9mooyAZLibWwLaWBmKibVibMaAV7icrqwaEbwtrJibibQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/aqibLpHUEczs6rb27stEMZBWC1M5LHaic7TGYulfibzNvceDicf9mooyAZLibWwLaWBmKibVibMaAV7icrqwaEbwtrJibibQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p></section></section></section></section><p style="text-align: left"><br /></p><p 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 > </span><span style="color: rgb(136, 136, 136)">点击阅读原文，查看<strong >保爷精选保险</strong></span></p><p style="text-align: right"><span style="color: rgb(89, 89, 89)"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2F67ufDnLOiaDT52iaKrQtxSW4cK9flnRiagqEhs5BRpjiaWxU0LtAoGG0G5uXicHibJ3FjRtn4ARUbsibaeyKN85xMuZ7Q%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/67ufDnLOiaDT52iaKrQtxSW4cK9flnRiagqEhs5BRpjiaWxU0LtAoGG0G5uXicHibJ3FjRtn4ARUbsibaeyKN85xMuZ7Q/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></span></p>
