100种重大疾患列表包含哪些？买重疾险时病种选多少才合适？
<div style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">日前</span>市面上<span style="color: black;">已然</span>有<span style="color: black;">归类</span><span style="color: black;">保证</span>120种重疾的重疾险了。下面奶爸就以最全的120重疾<span style="color: black;">归类</span>给说说都<span style="color: black;">包括</span>有<span style="color: black;">那些</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span>要<span style="color: black;">重视</span>的是<span style="color: black;"><a style="color: black;">重疾<span style="color: black;">归类</span></a></span>不是说越多就越好的。<span style="color: black;">重要</span>还是要看<span style="color: black;">保证</span>的内容和限制等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">接下来<span style="color: black;">一块</span><span style="color: black;">瞧瞧</span>吧</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">⚡</h2>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">1、</span>120种重大<span style="color: black;"><a style="color: black;"><span style="color: black;">疾患</span>列表</a></span>大全</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">市场上重疾险的<span style="color: black;">保证</span>内容各不相同，<span style="color: black;">保证</span>的<span style="color: black;">疾患</span>种类<span style="color: black;">亦</span>不<span style="color: black;">同样</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有的重疾<span style="color: black;">保证</span><span style="color: black;">包含</span>100种重大<span style="color: black;">疾患</span>，而有的还有120种重疾。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有些人可能就好奇了，这120种重疾种类到底<span style="color: black;">包含</span><span style="color: black;">那些</span><span style="color: black;">疾患</span>呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">为了满足<span style="color: black;">大众</span>的好奇心，奶爸专门挑了一款含有120种<span style="color: black;"><a style="color: black;">重大<span style="color: black;">疾患</span><span style="color: black;">保证</span></a></span>的重疾险，把它<span style="color: black;">保证</span>的重疾<span style="color: black;">所有</span>列了出来，种类列表如下：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://picx.zhimg.com/80/v2-3be20ac438f3ab761d9c2a662855b7ec_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div><span style="color: black;">照片</span><span style="color: black;">源自</span>：奶爸保公众号<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">能够</span>看到这张表格密密麻麻地铺满了120种<span style="color: black;">疾患</span>，<span style="color: black;">况且</span>有些<span style="color: black;">疾患</span>的名<span style="color: black;">叫作</span>还很长，让人看不懂。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">其实，<span style="color: black;">咱们</span><span style="color: black;">无</span>必要看懂所有<span style="color: black;">疾患</span>，只<span style="color: black;">必须</span>留意<span style="color: black;">疾患</span><span style="color: black;">保证</span><span style="color: black;">可否</span><span style="color: black;">包括</span>25种法定重疾<span style="color: black;">就可</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">哪些</span>宣传说自家<span style="color: black;">机构</span>重疾险<span style="color: black;">保证</span>120种、130种、150种<span style="color: black;">疾患</span>，其实<span style="color: black;">便是</span>由银保监会25种+保险<span style="color: black;">机构</span>自己定义的<span style="color: black;">疾患</span><span style="color: black;">构成</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而银保监会规定的25种重大<span style="color: black;">疾患</span>，占<span style="color: black;">日前</span>重疾险理赔的95%<span style="color: black;">上下</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那样</span>什么是法定重疾呢？这25种重大<span style="color: black;">疾患</span>都有<span style="color: black;">那些</span>呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">所说</span>25种法定重疾，其实<span style="color: black;">便是</span>中国银行保险监督管理委员会（简<span style="color: black;">叫作</span>银保监会）定义了25种重疾，用来规范重大<span style="color: black;">疾患</span>保险<span style="color: black;">制品</span>的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而<span style="color: black;">日前</span>市面上的重疾险虽然对<span style="color: black;">疾患</span>种类有不同的约定，<span style="color: black;">然则</span>都会涵盖这25种重疾。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">详细</span>25种法定<span style="color: black;">疾患</span>有（蓝色标是6种高发重疾）：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-f660440728c7a57679d4a8731b03328f_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div><span style="color: black;">照片</span><span style="color: black;">源自</span>：奶爸保公众号<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">另一</span>，法定25种重疾的理赔<span style="color: black;">前提</span>不太<span style="color: black;">同样</span>；重疾理赔<span style="color: black;">前提</span>分为：确诊<span style="color: black;">就可</span>理赔、实施了约定手术和达到<span style="color: black;">疾患</span>约定状态。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">平常</span>重疾理赔<span style="color: black;">前提</span>如下：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://picx.zhimg.com/80/v2-9611609d0049e1691b8f3ffb76a21fcd_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div><span style="color: black;">照片</span><span style="color: black;">源自</span>：奶爸保公众号<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">总的<span style="color: black;">来讲</span>，<span style="color: black;">通常</span><span style="color: black;">保证</span>的重疾种类越多，<span style="color: black;">保证</span>范围<span style="color: black;">亦</span>就越广，保费价格自然<span style="color: black;">亦</span>会高一点。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">然则</span><span style="color: black;">咱们</span><span style="color: black;">不消</span>花太多心思在重疾种类上面，而应该把关注点放在<span style="color: black;">制品</span>的<span style="color: black;"><a style="color: black;">重疾保额</a></span>、赔付次数和重疾<span style="color: black;">可否</span>分组等保障内容上。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那样</span><span style="color: black;">咱们</span>应该怎么挑选一款合适自己的重疾险呢？奶爸总结了一套<span style="color: black;">办法</span>，简单地教你筛选出合适的重疾险<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">⚡</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">2、</span>重大<span style="color: black;">疾患</span>保险应该怎么挑选</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><a style="color: black;">重大<span style="color: black;">疾患</span>保险</a></span>，<span style="color: black;">咱们</span>应该怎么挑选比较好呢，<span style="color: black;">重点</span>关注以下几点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1. 保额</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>都<span style="color: black;">晓得</span>，买重疾险是为了规避重大<span style="color: black;">疾患</span><span style="color: black;">危害</span>，让自己不幸患上重疾时，<span style="color: black;">能够</span>得到一笔钱弥补患病<span style="color: black;">时期</span>的经济损失。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>，在买重疾险的时候，<span style="color: black;">保证</span>额度非常<span style="color: black;">要紧</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">买的保额低了，结果患病时不足以支付治疗<span style="color: black;">时期</span>的医疗<span style="color: black;">花费</span>，<span style="color: black;">亦</span><span style="color: black;">没</span>法<span style="color: black;">保证</span>后续<span style="color: black;">恢复</span>的<span style="color: black;">各样</span>花销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">买的保额高了，结果<span style="color: black;">发掘</span>保费价格高出自己的承受范围，致使生活水平降低，<span style="color: black;">亦</span><span style="color: black;">没</span>法安心生活。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此呢</span>，<span style="color: black;">咱们</span>在买重疾险的时候，既要<span style="color: black;">保证</span>自己的保额充足（保额最好30万起步），<span style="color: black;">亦</span>要保证保费价格<span style="color: black;">不可</span>超出预算。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2. <span style="color: black;">定时</span>还是终身</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">定时</span>还是终身，和预算有很大联系。<span style="color: black;">通常</span><span style="color: black;">来讲</span>，<span style="color: black;">定时</span>重疾险的保费相对便宜，更具性价比；终身重疾险，保费较贵，更稳定。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">预算不足的，<span style="color: black;">能够</span><span style="color: black;">选取</span><span style="color: black;"><a style="color: black;"><span style="color: black;">定时</span>重疾险</a></span>，<span style="color: black;">保证</span>期限有10年、20年<span style="color: black;">或</span>保至XX岁（保额要做足）。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">预算充足的，<span style="color: black;">能够</span><span style="color: black;">选取</span>保至终身的重疾险，<span style="color: black;">不消</span>担心<span style="color: black;">保证</span>期限过后<span style="color: black;">没</span>法购买新的重疾险。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3. 重疾赔付次数</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">重疾赔付次数<span style="color: black;">亦</span>是一项比较<span style="color: black;">要紧</span>的指标，虽然人们患上重疾的概率不算高，<span style="color: black;">然则</span>一旦<span style="color: black;">显现</span>过理赔<span style="color: black;">状况</span>，就很难买到新的重疾险。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而重疾是有新发/复发/<span style="color: black;">连续</span>的可能，缺乏重疾<span style="color: black;">保证</span>的话，被保人可能会面临没钱治病养病的问题。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">此时</span>，重疾多次赔付的<span style="color: black;">优良</span>就凸显出来了，当然重疾多次赔付的保费价格相比单次赔付会高一点。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此呢</span>，预算充足的人<span style="color: black;">能够</span><span style="color: black;">选取</span>购买多次赔付重疾险，<span style="color: black;">保证</span>更加全面；预算有限的人<span style="color: black;">能够</span>购买单次赔付重疾险，性价比更高。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然，<span style="color: black;">此刻</span><span style="color: black;">非常多</span>热门单次赔付重疾险<span style="color: black;">亦</span><span style="color: black;">能够</span>附加癌症多次赔付等责任，虽然保费会贵一点，<span style="color: black;">然则</span><span style="color: black;">能够</span>给自己多重<span style="color: black;">保证</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">想<span style="color: black;">晓得</span>自己应该买哪种重疾险吗？奶爸列了几个重疾险购买<span style="color: black;">方法</span>，感兴趣<span style="color: black;">能够</span>点击阅读：<a style="color: black;">《9月重疾险<span style="color: black;">举荐</span>，哪款值得买？》</a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4. <span style="color: black;">可否</span>含身故责任</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><a style="color: black;">身故责任</a></span>，即在<span style="color: black;">保证</span>期限内身故，<span style="color: black;">亦</span><span style="color: black;">能够</span>得到一笔<span style="color: black;"><a style="color: black;">保险金</a></span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有些人可能会觉得，<span style="color: black;">倘若</span>自己不幸身故，交了<span style="color: black;">那样</span><span style="color: black;">数年</span>保费的重疾险<span style="color: black;">亦</span><span style="color: black;">没</span>法赔偿一笔钱，真是亏本买卖。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这么想<span style="color: black;">亦</span>不是<span style="color: black;">无</span>道理，<span style="color: black;">这儿</span>有个<span style="color: black;">处理</span><span style="color: black;">办法</span>，<span style="color: black;">便是</span>附加身故责任。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">附加了身故责任后，只要是在<span style="color: black;">保证</span>期限内，不管你是患重疾出险还是身故出险，都能得到一笔<span style="color: black;"><a style="color: black;">赔偿金</a></span>（<span style="color: black;">详细</span>赔偿数额以<span style="color: black;"><a style="color: black;">保险合同</a></span>为准）。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">再次提醒各位，<span style="color: black;">倘若</span>附加身故责任，保费价格<span style="color: black;">亦</span>会<span style="color: black;">提升</span>，<span style="color: black;">必须</span>结合家庭经济<span style="color: black;">状况</span>进行<span style="color: black;">选取</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在买重疾险的时候其实还有不少<span style="color: black;">重视</span>事项，<span style="color: black;">例如</span>重疾<span style="color: black;">可否</span>分组、缴费期限怎么选等等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">⚡</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">3、</span>多次赔付重大<span style="color: black;">疾患</span>保险怎么挑选</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">关于重疾险的赔付，还会分单次赔付型和多次赔付型重疾险，多次赔付型的重疾分组<span style="color: black;">可否</span><span style="color: black;">恰当</span>很<span style="color: black;">要紧</span>，关乎到这个多次赔付的力度和实用性<span style="color: black;">可否</span>足够和值得。</p>
<h3 style="color: black; text-align: left; margin-bottom: 10px;">什么是重疾分组</h3>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">多次赔付的重疾险其实分为两种，一种是不分组多次赔付，一种是分组多次赔付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>用一张表格来对比一下它们的不同：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://picx.zhimg.com/80/v2-55f801991dfab460d96b44718932fed1_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div>（分组多次赔付与不分组多次赔付比较）<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">不分组多次赔付，顾名思义<span style="color: black;">便是</span>不将重疾分组，仅仅限制赔付次数。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">只要达到赔付<span style="color: black;">前提</span>，便<span style="color: black;">能够</span>申请理赔。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">通常</span><span style="color: black;">来讲</span>不分组赔付最多会赔付2~3次。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而分组多次赔付是将重疾分为几个不同的组。</p>举个例子，假设小明购买了信泰保险的完美人生<span style="color: black;">保护</span>典藏版，保额为50万。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这款<span style="color: black;">制品</span>将重疾分为了6组，<span style="color: black;">详细</span>分组如下：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pica.zhimg.com/80/v2-0d90f8a5929f9a9cf8b19acfaf4f9864_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div>（完美人生<span style="color: black;">保护</span>典藏版六大高发重疾分组）<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当小明<span style="color: black;">第1</span>次患上了<span style="color: black;"><a style="color: black;">A组</a></span>的重疾时，他就<span style="color: black;">能够</span><span style="color: black;">得到</span>50万的赔付，但保单还继续生效。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>小明不幸又患上了<span style="color: black;"><a style="color: black;">B组</a></span>的重疾，那他<span style="color: black;">能够</span>再次<span style="color: black;">得到</span>50万的赔付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不外</span><span style="color: black;">倘若</span>小明第二次不幸患上的仍然是A组的重疾，那他不会<span style="color: black;">得到</span>任何赔付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">理论上<span style="color: black;">来讲</span>，重疾被分为几组，<span style="color: black;">那样</span>可<span style="color: black;">得到</span>的最高赔付金额便是几倍。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">怎么样？<span style="color: black;">是否</span>听起来<span style="color: black;">能够</span>赔<span style="color: black;">非常多</span>倍、很令人心动的样子？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然没<span style="color: black;">那样</span>简单，为了避免亏损，重疾的分组<span style="color: black;">亦</span>是被保险<span style="color: black;">机构</span>精心设计过的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">那到底<span style="color: black;">怎么样</span>的分组会更好呢？别着急，且听奶爸继续跟你说。</p>
<h3 style="color: black; text-align: left; margin-bottom: 10px;">多次赔付重疾险，<span style="color: black;">怎么样</span>分组更好</h3>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">认识</span>过重疾险的<span style="color: black;">伴侣</span>都<span style="color: black;">晓得</span>，虽然许多保险<span style="color: black;">机构</span>都会以<span style="color: black;">保证</span>100种以上重疾为卖点，但真正<span style="color: black;">要紧</span>的其实是银保监会规定<span style="color: black;">必要</span>含有的25种重疾。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这25种重疾占了重疾险理赔率的95%。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在这25种重疾里，又有6种重疾占了理赔率的80%。</p>它们分别是：恶性肿瘤、急性心肌梗塞、脑中风<span style="color: black;">副作用</span>、重大器官移植术或<span style="color: black;"><a style="color: black;">造血干细胞</a></span>移植术、冠状动脉搭桥术和终末期肾病。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">而其中，恶性肿瘤的理赔率又达到了60%以上。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>其实在多次赔付重疾险的分组里，<span style="color: black;">大众</span>重点关注这6种重疾的分组<span style="color: black;">状况</span>就好了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然最好的<span style="color: black;">状况</span>肯定是这6种重疾分别属于不同组别，<span style="color: black;">不外</span><span style="color: black;">这般</span>的<span style="color: black;">制品</span>比较少。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那样</span>，哪种分组更好呢。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">首要</span>，看<span style="color: black;"><a style="color: black;">恶性肿瘤</a></span><span style="color: black;">可否</span>单独一组。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">上面奶爸<span style="color: black;">亦</span>说了，恶性肿瘤的理赔率占了所有重疾险的60%以上，<span style="color: black;">能够</span>说是非常高了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>单独把恶性肿瘤分在一组是非常有必要的。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这般</span>的话，即使患了恶性肿瘤，<span style="color: black;">得到</span>了赔付，<span style="color: black;">亦</span>不影响其他重疾的<span style="color: black;">保证</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">其次，看5种高发重疾（6种除了恶性肿瘤）的分组<span style="color: black;">可否</span>分散。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除了恶性肿瘤之外，<span style="color: black;">另一</span>5种高发重疾<span style="color: black;">亦</span>非常值得关注。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span>这5种的分组，越分散越好。越分散，<span style="color: black;">亦</span>就<span style="color: black;">表率</span>了它们理赔的相互影响越小。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">再来，看分组之间的<span style="color: black;">疾患</span><span style="color: black;">可否</span><span style="color: black;">相关</span>联。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">倘若</span>两种<span style="color: black;">疾患</span><span style="color: black;">相关</span>联的话，<span style="color: black;">那样</span><span style="color: black;">出现</span>过其中一种之后，另一种<span style="color: black;">疾患</span>的发病可能<span style="color: black;">亦</span>会<span style="color: black;">加强</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">此时</span><span style="color: black;">倘若</span>把这两种<span style="color: black;">疾患</span>分散在两组的话，<span style="color: black;">那样</span><span style="color: black;">得到</span>双倍理赔的机会<span style="color: black;">亦</span>就更大了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">还是拿前面的信泰保险的完美人生<span style="color: black;">保护</span>典藏版来举例子：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-7631fc31ae637a7d4641ceeaeaf31f79_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div>（完美人生<span style="color: black;">保护</span>典藏版高发重疾分组）<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">假设有个人得了肝癌，<span style="color: black;">亦</span><span style="color: black;">便是</span><span style="color: black;"><a style="color: black;">A组重疾</a></span>，<span style="color: black;">那样</span>他<span style="color: black;">能够</span><span style="color: black;">得到</span>一次重疾赔付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">后期随着病情恶化，<span style="color: black;">必须</span>换肝。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">此时</span><span style="color: black;">因为</span>恶性肿瘤和重大器官移植术或造血干细胞移植术被分在了<span style="color: black;"><a style="color: black;">D组</a></span>，<span style="color: black;">因此</span><span style="color: black;">能够</span><span style="color: black;">得到</span>二次理赔。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但<span style="color: black;">倘若</span>恶性肿瘤和重大器官移植术或造血干细胞移植术被分在同一组的话，就<span style="color: black;">不可</span><span style="color: black;">得到</span>二次赔付了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> ⚡</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">4、</span>市场热销单次赔付重疾险<span style="color: black;">举荐</span></h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">讲完多次重疾险应该怎么<span style="color: black;">选取</span>，下面给<span style="color: black;">大众</span><span style="color: black;">举荐</span>几款市场热销的单次终身重疾险，<span style="color: black;">瞧瞧</span>它们的<span style="color: black;">保证</span>内容<span style="color: black;">怎样</span>：</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/80/v2-a68cf840df7d4c96cf1aa2e06438764e_720w.webp?source=2c26e567" style="width: 50%; margin-bottom: 20px;"></div><span style="color: black;">照片</span><span style="color: black;">源自</span>：奶爸保公众号<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">话不多说，直接上<span style="color: black;">举荐</span>：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">追求保额高：超级玛丽3号Max、达尔文3号</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">相信<span style="color: black;">非常多</span>人都听说过这两款<span style="color: black;">制品</span>，超级玛丽3号Max和达尔文3号的重疾保额很高，最高<span style="color: black;">能够</span>赔付180%<span style="color: black;"><a style="color: black;">基本保额</a></span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">亦</span><span style="color: black;">便是</span>说，假如<span style="color: black;"><a style="color: black;">小王</a></span>买了100万保额，最高<span style="color: black;">能够</span>赔付180万，赔付力度非常大！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">追求身故责任：<span style="color: black;">没</span>忧人生2020Plus</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">能够</span>看到，<span style="color: black;">没</span>忧人生2020Plus在附加身故责任之后，保费价格相比其他几款<span style="color: black;">制品</span>要低不少，比较适合想要<span style="color: black;"><a style="color: black;">身故<span style="color: black;">保证</span></a></span>的人投保。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">追求癌症二次赔付力度大：<a style="color: black;">超级玛丽3号Max</a>、<a style="color: black;">达尔文3号</a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">虽然这几款<span style="color: black;">制品</span>都是单次赔付重疾险，<span style="color: black;">然则</span>都<span style="color: black;">能够</span>附加癌症多次赔付责任。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">其中超级玛丽3号Max和达尔文3号可选癌症二次赔付150%保额，二次赔付力度很大，<span style="color: black;">能够</span><span style="color: black;">帮忙</span><span style="color: black;"><a style="color: black;">被保险人</a></span><span style="color: black;">处理</span>经济问题。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">追求少儿特定<span style="color: black;">疾患</span>：<span style="color: black;">没</span>忧人生2020Plus</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">没</span>忧人生2020Plus<span style="color: black;">能够</span>额外附加少儿特定<span style="color: black;">疾患</span><span style="color: black;">保证</span>，基本覆盖所有少儿高发重疾，很适合小孩投保。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">况且</span>它的<span style="color: black;">保证</span><span style="color: black;">亦</span>很全面，赔付力度<span style="color: black;">亦</span>不错，想要<span style="color: black;">认识</span><span style="color: black;">更加多</span><span style="color: black;">相关</span>这款<span style="color: black;">制品</span>的测评，点击阅读：<a style="color: black;">《<span style="color: black;">没</span>忧人生2020Plus<span style="color: black;">仔细</span>分析》</a></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">⚡</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">5、</span>奶爸总结</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">简单地说，重疾种类越多并不<span style="color: black;">表率</span>它的<span style="color: black;">保证</span>越好，而是应该关注<span style="color: black;">制品</span>的<span style="color: black;">保证</span>内容。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span>有可能在25种规定要<span style="color: black;">包括</span>的重大<span style="color: black;">疾患</span>外<span style="color: black;">保证</span>的重疾是从其中分解出来的，<span style="color: black;">这般</span>的分姐<span style="color: black;"><a style="color: black;">生日会</a></span>是<span style="color: black;">保证</span>数量变多，看起来<span style="color: black;">保证</span>内容更加全面了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">并不</span>然，<span style="color: black;">这般</span>分解出来的<span style="color: black;">保证</span>内容，在大类<span style="color: black;">基本</span>上就<span style="color: black;">能够</span>进行理赔。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">真正有实用<span style="color: black;">道理</span>的<span style="color: black;">增多</span>是<span style="color: black;">疾患</span><span style="color: black;"><a style="color: black;">分型</a></span>、治疗方式等的<span style="color: black;">保证</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">另一</span>，在<span style="color: black;">选取</span>重疾险<span style="color: black;">制品</span>的时候，<span style="color: black;">咱们</span><span style="color: black;">必须</span>留意<span style="color: black;">制品</span>的重疾保额、赔付次数、<span style="color: black;">定时</span>还是终身等等，<span style="color: black;">这般</span><span style="color: black;">才可</span>挑选出好的<span style="color: black;">制品</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">✅有保险疑问或咨询保险<span style="color: black;">方法</span>规划，欢迎私信奶爸或评论留言。✅⭐</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">更加多</span>﹤保险干货﹥，请阅读这篇<span style="color: black;">文案</span>：⭐<a style="color: black;">《<span style="color: black;">为何</span>骂保险的人多，买保险的人<span style="color: black;">更加多</span>？》</a>⭐</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="data:image/svg+xml;utf8," style="width: 50%; margin-bottom: 20px;"></div>
</span></div>
我完全同意你的看法，期待我们能深入探讨这个问题。 在遇到你之前，我对人世间是否有真正的圣人是怀疑的。 你的见解真是独到，让我受益匪浅。
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