<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 >咨询重疾险的朋友里，有一类人挺难的。</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 >身体谈不上有什么大的问题，但体检报告一拿出来，就是甲状腺结节、乳腺结节、乙肝、高血压……</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 >想买一份重疾险，却发现很多热门产品的健康告知根本过不了。</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 >还有一些朋友，</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 >以前得过比较严重的病，比如癌症、白血病，虽然已经治疗结束了，复查也没什么问题，</span></span><span style="color: rgba(0, 0, 0, 0.9)"><span text >但买保终身的重疾险还是很容易被拒保。</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 >今天，给大家介绍一款比较特殊的重疾险：</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></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 >复星联合健康的</span><span text >医联有盟2026</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</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 >它最大的优势，不是保障责任有多卷，而是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >健康告知比较宽松</span><span text >，只有4部分，</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >得过癌症、3级结节、乙肝等病都有机会买，还能附加一份保证续保20年的</span></span></strong><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >医疗险</span><span text >。</span></span></strong></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 >如果你身体有异常，之前买其他重疾险比较困难，这款产品可以重点了解一下。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(64, 2, 0)">一</span></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 >健康告知只有4条，比较宽松</span></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 >先来看大家最关心的健康告知：</span></span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMrBdcPrfpzLSHohyMCgtIrJ7TknuDrbc5Dw3icN5OoFCAcUicVOSxHrwGPQ98AxwXGGfscyqIhXYVsE1CzbfEpwwibRRonA6MgkQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMrBdcPrfpzLSHohyMCgtIrJ7TknuDrbc5Dw3icN5OoFCAcUicVOSxHrwGPQ98AxwXGGfscyqIhXYVsE1CzbfEpwwibRRonA6MgkQ/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 style="color: rgba(0, 0, 0, 0.9)"><span text >医联有盟2026主要问的是：</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 >过去1年内</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，有没有因为</span><span text >检查异常，被医生建议进一步住院或手术，或者做过一些比较深入的检查</span><span text >；</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 >过去2年内</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，有没有接受过</span><span text >住院或者手术</span><span text >；</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 >过去5年内</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >，有没有</span><span text >恶性肿瘤、三级及以上高血压、糖尿病、心脑血管疾病</span><span text >等一系列疾病；</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 >以及</span><span text >目前或者曾经</span><span text >有没有被明确诊断或提示过一些</span><span text >特定程度的甲状腺、乳腺、肺部结节</span><span text >。</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 >看</span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >起来内容不少，但和一些健康告知七八条、甚至更复杂的产品相比，</span></span><strong style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text >它的询问范围确实比较宽松。</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 >而且它的核保规则也比较友好：</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 >如果这4部分全部回答“否”，就可以自动核保通过，不需要再进入人工核保。</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 >也就是说，</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 >很多人关心的、大部分重疾险买不了的几个情况，</span>医联有盟2026<span text >都可以直接承保，比如：</span></span></p><ul ><li style="color:#ebc900"><section><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">3级及以下的甲状腺结节、乳腺结节、肺结节</span></span></strong></section></li><li style="color:#ebc900"><section><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">乙肝</span></span></strong></section></li><li style="color:#ebc900"><section><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">2级高血压</span></span></strong></section></li><li style="color:#ebc900"><section><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">抑郁症</span></span></strong></section></li><li style="color:#ebc900"><section ><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">5年前得过癌症</span></span></strong></section></li></ul><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >尤其是最后这一点，很多朋友会比较关心。</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 >因为在不少重疾险里，癌症既往史都是非常严格的核保项。</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 >而医联有盟2026的健康告知，重点询问的是</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >过去</span><span text >5年内的恶性肿瘤情况</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</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 >所以如果</span><span text >以前得过癌症，但已经超过5年，期间没有复发、转移等情况，且不涉及其他健康告知，也能正常投保</span><span text >。</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 >如果其中有回答“</span><span text >是</span><span text >”，也不是直接拒保，而是会进入</span><span text >人工核保</span><span text >。</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 >保险公司会根据你的具体情况判断，最终可能是</span><span text >正常承保、除外承保、加费、延期或者拒保</span><span text >。</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 >所以，对于一些身体有异常的人来说，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >“回答是”也不代表完全买不了，至少还有一次人工核保的机会，真的很友好~</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 >另外，值得说的是，</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 >9月30号之前，</span><span text >宫颈原位癌、甲状腺癌、肺部原位癌和</span></span><span link-id="link-1786591928283-0.051976537190579486"><span style="color:rgba(0, 0, 0, 0.9)"><span text >乳腺原位癌</span></span></span><span style="color:rgba(0, 0, 0, 0.9)"><span text >术后人群</span><span text >，</span>术后复查达标、没有复发转移，都</span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >有机会通过</span></span><span link-id="link-1786591928285-0.5785469898854008" style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span style="color: rgba(0, 0, 0, 0.9)"><span text >除外承保</span></span></span><span style="text-align: justify; color: rgba(0, 0, 0, 0.9)"><span text >的方式买上。</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNZkbkicxJpVonB8EsfHrcNDw7v3yIb68bVRATrV9x4XJS1sLATeC81D3JNFzD0OaCgT9oDRZJJuFGrtehjicoTxqJqYxQBJzuFQ%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNZkbkicxJpVonB8EsfHrcNDw7v3yIb68bVRATrV9x4XJS1sLATeC81D3JNFzD0OaCgT9oDRZJJuFGrtehjicoTxqJqYxQBJzuFQ/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 style="color: rgba(0, 0, 0, 0.9)"><span text >市面上绝大多数重疾险，只要得过这几种原位癌，直接拒保，能给到除外承保的产品寥寥无几。</span></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 >总之单看健康告知这一点，医联有盟2026确实挺不错的，尤其是对身体有些小毛病、买其他重疾险比较困难的人来说，友好很多。</span></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)"><br /></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 style="color: rgb(64, 2, 0)">二</span></span></span></section><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >保障怎么样？</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >说完最大的卖点，再来看看保障。</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 >医联有盟2026是一款</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >保终身</span><span text >的重疾险</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，投保年龄为</span><span text style="color: rgb(0, 0, 0)">0-60岁</span><span text >，最高可以买到</span><span text >40万元保额</span><span text >。</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 >它的保障模式比较简单：</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXNH7BE4rWVcRAsf4suaC1a6ricLrgDO8drMgAviciaia1Kic1D76fdickOEwyD7sHSWdTIa9oibA2wsGN45ndJjRtSaS4Q554sHAKeiaGI%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXNH7BE4rWVcRAsf4suaC1a6ricLrgDO8drMgAviciaia1Kic1D76fdickOEwyD7sHSWdTIa9oibA2wsGN45ndJjRtSaS4Q554sHAKeiaGI/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"><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >重疾是必选责任</span><span text >，</span></span></strong></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 >轻症、中症和身故责任可以根据自己的需求选择。</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 >其中重疾一共保障</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">120种疾病</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >，赔1次。</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 >如果附加轻症，可以保障45种疾病，最多赔4次，每次</span><span text style="color: rgb(235, 201, 0)">赔30%保额</span><span text >；中症保障30种疾病，最多赔2次，每次</span><span text style="color: rgb(235, 201, 0)">赔60%保额</span><span text >。</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 >附加轻、中症之后，可以享受</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >被保人豁免保费</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</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 >简单来说，就是以后如果真的发生了合同约定的轻症、中症或者重疾，后面的保费可以不用再交，但保障继续有效。</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 >所以如果预算允许，我还是比较建议把轻中症责任一起加上。</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 >不过它也有一个需要注意的地方，</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 >如果附加轻中症，</span><span text >最高投保保额是</span><span text style="color: rgb(235, 201, 0)">30万元</span><span text >，想买到40万元保额的话，就只能选择重疾基本责任。</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >另外，它等待期只有90天，大部分热门产品都是180天，这一点还不不错。</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 >整个看它的保障责任，</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 >怎么说呢，跟市场上的热门重疾险肯定没法比。</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 >很多热门产品都是自带轻中症，医联有盟2026需要额外附加，也没有什么特别独家的自带保障。</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 >但作为一款健康告知比较宽松的重疾险，它能把</span><span text >基础保障做好</span><span text >，我觉得已经不错了。</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >毕竟对身体有异常的人来说，很多时候首先要解决的是</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >“能不能买”</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></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, 2, 0)">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 >它还有一个比较有意思的地方：可以附加长期医疗险</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >如果只是看重疾险本身，</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 >医联有盟2026最大的卖点还是健康告知。</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 >但它还有一个我觉得比较值得关注的配置，就是可以</span><span text >附加保证续保20年的长期医疗险</span><span text >。</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 >对于身体有异常的人来说，这一点其实很重要。</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 >因为很多时候，重疾险买不了，百万医疗险同样也不好买。</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 >医联有盟2026的这款长期医疗险，可以和主险使用相同的健康告知。</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 >也就是说，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></strong></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 >主险能够通过健康告知，就有机会一起把医疗险配置上。</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 >而且它的保障也比较全面：</span></span></p><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOwWeStoVCITiaagksGITVsyKZzpXuiaia6IyuvhSbmiceymDTlC3mv7KXYzIDzic6BsgvKbmrYo3P2HkfAT6Koia8xiaBDX5yXqmn5LM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOwWeStoVCITiaagksGITVsyKZzpXuiaia6IyuvhSbmiceymDTlC3mv7KXYzIDzic6BsgvKbmrYo3P2HkfAT6Koia8xiaBDX5yXqmn5LM/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 style="color: rgba(0, 0, 0, 0.9)"><span text >首先是</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text style="color: rgb(235, 201, 0)">保证续保20年</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >。</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 >在保证续保期间，即使</span><span text >身体状况发生变化、发生过理赔，或者产品停售</span><span text >，一般也不会因为这些原因影响续保。</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 >对于医疗险来说，这一点非常重要。</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 >因为医疗险最怕的就是今年买了，明年身体出了问题，结果产品不能继续买。</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 >保证续保20年，就相当于提前把这一段时间的医疗保障锁住了。</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 >其次，它还有一个比较明显的优势：</span><span text style="color: rgb(235, 201, 0)">0免赔额</span><span text >。</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 >很多百万医疗险都有1万元甚至更高的免赔额，小病小痛往往用不上，</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 >这款医疗险没有传统意义上的1万元免赔额门槛，</span><span text >符合合同约定的医疗费用都可以按照规则进行报销</span><span text >，更好用一点。</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 >最后，得了重疾还能去</span><span text style="color: rgb(235, 201, 0)">特需部</span><span text >，</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 >这样的话，</span></span><span><span style="color: rgba(0, 0, 0, 0.9)"><span text >可以提供更便捷的专家预约、检查安排和住院服务，</span><span text >对癌症这种大病来说很有意义</span><span text >。</span></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 >另外，像</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >癌症外购药、质子重离子、住院前后门急诊、重疾相关医疗费用</span></span></strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >等保障也都有覆盖</span><span text >，很全。</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 >价格在同类保障的医疗险里也不算贵，30岁的成年人一年</span><span text style="color: rgb(235, 201, 0)">500多</span><span text >。</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 >对于身体有异常、普通百万医疗险不太好买的人来说，这个组合还是比较有吸引力的~</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><br /></span></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, 2, 0)">四</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 >价格贵不贵？</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后再来看价格。</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 >以</span></span><strong><span style="color:rgba(0, 0, 0, 0.9)"><span text >30岁、30万元保额、保终身、30年交</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >为例，</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 >如果</span><span text >附加轻症、中症责任</span><span text >：</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 >男性一年保费</span><span text style="color: rgb(235, 201, 0)">6059元</span><span text >，女性</span><span text style="color: rgb(235, 201, 0)">5565元</span><span text >。</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 >如果</span><span text >只买重疾责任，不附加轻中症</span><span text >：</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 >男性</span><span text style="color: rgb(235, 201, 0)">5089元</span><span text >，女性</span><span text style="color: rgb(235, 201, 0)">4546元</span><span text >。</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 >如果想再</span><span text >配置这个医疗险</span><span text >，就多</span><span text style="color: rgb(235, 201, 0)">花500多</span><span text >就行了。</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 >整体来看呢，</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 >这款产品的价格，不算便宜，但如果考虑到它的定位，其实也比较容易理解。</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 >如果你是</span><span text >标准体</span><span text >，市场上能正常通过健康告知的产品很多，不建议买这款，性价比不高。</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 >但如果你</span><span text >身体情况比较复杂</span><span text >，已经被其他产品拒保、除外，或者一直不知道自己到底能不能买，</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 >这时候就不要太考虑价格了，能不能买上，可能才是最重要的问题。</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)"><br /></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 style="color: rgb(64, 2, 0)">五</span></span></p><h2 style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >写在最后</span></span></h2><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >最后我想说，</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 >如果你</span><span text >身体健康，普通重疾险都可以正常投保</span><span text >，</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 >那我反而建议你多比较几款，把重点放在</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >保障、赔付比例、价格和产品稳定性</span></span></strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >上，比如复兴联合的</span><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&mid=2247504374&idx=1&sn=31d51b97cce88dc88c95ee6dade6e4ee&scene=21#wechat_redirect" textvalue="达尔文12号" linktype="text"><span text >达尔文12号</span></a><span text >。</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 >但如果你</span><span text >身体有异常，想买重疾险，却总是过不了健康告知</span><span text >，</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 >那</span><span text >医联有盟2026</span><span text >确实值得关注。</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 >它最大的价值，不是把重疾险的保障卷到多高，而是</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >给一些身体条件不太理想的人，多提供了一个可以尝试的选择</span><span text >。</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 >而且还能</span><span text >搭配一份保证续保20年的医疗险</span><span text >，对于想把重疾和医疗保障一起解决的人来说，也比较方便~</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 >如果你不知道自己的身体情况能不能买，</span></span><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >不要自己对着健康告知一条条猜，</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 >可以把你的年龄、既往疾病和最近的体检异常发给我，我帮你看看医联有盟2026能不能投，以及有没有其他更合适的产品可以选择。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><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); 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=2247504523&idx=1&sn=5048c7c0a4b34cae2fdd11d383f827f1&scene=21#wechat_redirect" textvalue="热门养老金大PK：星海赢家青鸾/火凤、明爱金彩D款、乐享鑫年、金生有约2.0......怎么选？" linktype="text">热门养老金大PK：星海赢家青鸾/火凤、明爱金彩D款、乐享鑫年、金生有约2.0......怎么选？</a></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=2247504471&idx=1&sn=33278ea281a051e4ce444430b6397e78&scene=21#wechat_redirect" textvalue="现在买重疾险，可能是未来10年最划算的决定" linktype="text">现在买重疾险，可能是未来10年最划算的决定</a></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=2247504442&idx=1&sn=9526329a0da5adb2f168209685ac0688&scene=21#wechat_redirect" textvalue="随机测血糖，很多年轻人破防了" linktype="text">随机测血糖，很多年轻人破防了</a></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=2247504325&idx=1&sn=256ecc3d8442e1a306f6efb37bd790b3&scene=21#wechat_redirect" textvalue="一年大几千的中高端医疗险，有必要吗？" linktype="text">一年大几千的中高端医疗险，有必要吗？</a></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 ><br /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: center" nodeleaf=""><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 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: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>
