孩儿患癌前的7大征兆，你必要晓得！
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">据国际儿童肿瘤学会调查<span style="color: black;">表示</span>：近10年来，儿童肿瘤发病率每年都以2.8%<span style="color: black;">上下</span>的速度增长，儿童肿瘤已<span style="color: black;">作为</span>仅次于意外<span style="color: black;">损伤</span>的第二大儿童死亡<span style="color: black;">原由</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">日前</span>，全世界每年大<span style="color: black;">大概</span>25万名儿童患上癌症，中国每年新增3-4万名儿童恶性肿瘤<span style="color: black;">病人</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">少儿<span style="color: black;">周期</span>的癌症<span style="color: black;">重点</span>为血液、脑、淋巴等造血系统及神经系统癌症；</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-ffb7c9c3d90c6a46e212aaf9cdfc9712_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因为</span>少儿<span style="color: black;">处在</span>骨的生长<span style="color: black;">生长</span><span style="color: black;">周期</span>，<span style="color: black;">针对</span>儿童<span style="color: black;">来讲</span>，<span style="color: black;">有些</span>骨、软骨组织的肿瘤<span style="color: black;">作为</span>高发，<span style="color: black;">另一</span>，<span style="color: black;">有些</span>肾脏肿瘤（如肾母细胞瘤）为儿童高发，家长<span style="color: black;">伴侣</span>们不容<span style="color: black;">忽略</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">1、</span><span style="color: black;">孩儿</span>患癌前有<span style="color: black;">那些</span>症状？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">尽管<span style="color: black;">此刻</span>医学很发达，<span style="color: black;">然则</span>癌症依然是难以<span style="color: black;">解决</span>的<span style="color: black;">疾患</span>，若癌症<span style="color: black;">初期</span><span style="color: black;">即时</span><span style="color: black;">发掘</span>和治疗，治愈率<span style="color: black;">能够</span>达80%-90%以上！大大<span style="color: black;">加强</span>了<span style="color: black;">存活</span>率。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症<span style="color: black;">出现</span>前是有征兆可循的，<span style="color: black;">然则</span>癌症<span style="color: black;">初期</span>征兆<span style="color: black;">很难</span>察觉，当<span style="color: black;">孩儿</span><span style="color: black;">显现</span>下列症状时，父母要提起<span style="color: black;">注意</span>了！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1.<span style="color: black;">连续</span>发烧</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">通常</span>感冒、肺炎发烧，几天就会好。<span style="color: black;">然则</span>，倘若不明<span style="color: black;">原由</span>发烧<span style="color: black;">连续</span>1周以上还<span style="color: black;">欠好</span>，<span style="color: black;">尤其</span>是经抗病毒、抗生素治疗<span style="color: black;">没</span>效的，应及早就诊。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2.<span style="color: black;">没</span>痛性肿块</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">在<span style="color: black;">孩儿</span>颈部、腋下、腹股沟、腹部、后腰部等一旦<span style="color: black;">发掘</span>肿块，尤其是<span style="color: black;">没</span>痛性肿块，须查明<span style="color: black;">原由</span>。<span style="color: black;">意见</span>家长在<span style="color: black;">孩儿</span>睡觉后，抚摸其全身，若摸到疙瘩或硬块，要密切观察。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3.<span style="color: black;">显现</span>一过性症状</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">例如</span><span style="color: black;">显现</span>一过性的癫痫、眼黑，或<span style="color: black;">忽然</span><span style="color: black;">显现</span>摔倒，恶心呕吐等症状，就<span style="color: black;">必须</span>去做神经方面的<span style="color: black;">关联</span><span style="color: black;">检测</span>，排查胶质瘤等脑部肿瘤。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4.淋巴结肿大</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">淋巴结肿大<span style="color: black;">长期</span>下不去，脖子上<span style="color: black;">非常多</span>淋巴结有融合趋势，或淋巴结<span style="color: black;">短期</span>增大，要<span style="color: black;">警觉</span>肿瘤可能。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5.<span style="color: black;">病痛</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">较<span style="color: black;">长时间</span>的<span style="color: black;">连续</span>性或间歇性的<span style="color: black;">病痛</span>，如头痛、腹痛、骨关节痛等，例如神经母细胞瘤<span style="color: black;">导致</span>骨<span style="color: black;">病痛</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">6.腹胀、呕吐</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">腹部及肠道肿瘤可能<span style="color: black;">导致</span>肠道梗阻，<span style="color: black;">显现</span>肚胀、呕吐等消化道症状。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">眼球前凸、眼睛疼。眼部的<span style="color: black;">有些</span>肿瘤，可能<span style="color: black;">引起</span>眼部不适。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">7.贫血、<span style="color: black;">流血</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">有不明<span style="color: black;">原由</span>的面色苍白或<span style="color: black;">流血</span>，<span style="color: black;">包含</span>牙龈<span style="color: black;">流血</span>、皮肤有<span style="color: black;">流血</span>点或瘀斑，可化验血排除白血病等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">家长千万<span style="color: black;">不可</span>大意，<span style="color: black;">倘若</span><span style="color: black;">孩儿</span><span style="color: black;">显现</span>以上<span style="color: black;">反常</span>时，<span style="color: black;">必定</span>要<span style="color: black;">即时</span>去医院<span style="color: black;">检测</span>，有的小病拖着拖着就变成大病了！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2、</span>父母要怎么应对？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">儿童患肿瘤的<span style="color: black;">原由</span>分为两方面，一是先天<span style="color: black;">原因</span>，二是后天<span style="color: black;">原因</span>。在生活中，应该<span style="color: black;">怎样</span>预防<span style="color: black;">疾患</span>，父母应该怎么做呢？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一是看</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">重视</span>观察<span style="color: black;">孩儿</span>活动能力的变化，<span style="color: black;">例如</span>食欲不振、精神萎靡等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">二是摸</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">平时给<span style="color: black;">孩儿</span>洗澡，多摸一摸<span style="color: black;">孩儿</span>身上<span style="color: black;">可否</span>有肿块，<span style="color: black;">尤其</span>是腹部、体形<span style="color: black;">可否</span>有变化，有<span style="color: black;">没</span>不正常的肿块<span style="color: black;">显现</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">三是听</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">注意</span><span style="color: black;">孩儿</span>的主诉，不会说话的幼儿<span style="color: black;">由于</span>病变会哭得<span style="color: black;">尤其</span>厉害，<span style="color: black;">或</span><span style="color: black;">尤其</span><span style="color: black;">无</span>精神;会说话的儿童会告诉家长哪里不舒服。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">四是营造健康的生活环境</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">生活<span style="color: black;">膳食</span>要<span style="color: black;">重视</span>，<span style="color: black;">肥壮</span>不仅使儿童<span style="color: black;">作为</span>心脑血管病的后备军，更为患上肿瘤埋下了隐患。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">吃洋快餐、膨化食品，喝碳酸饮料，缺乏运动，都使<span style="color: black;">身体</span>热量过剩，脂肪堆积，<span style="color: black;">诱发</span>肿瘤英国的一项最新<span style="color: black;">科研</span><span style="color: black;">亦</span><span style="color: black;">表示</span>，与同龄人相比，儿童越胖，患胰腺癌、膀胱癌等的几率越高。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">“二手烟”、装修材料对<span style="color: black;">孩儿</span>的健康影响<span style="color: black;">亦</span>很大！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">五是尽早做好保险配置，即使<span style="color: black;">患病</span><span style="color: black;">亦</span>有钱治</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗保险</span>、普通医疗险<span style="color: black;">处理</span>小病少花钱，少儿重疾险<span style="color: black;">处理</span>大病有钱治！然而重疾险种类<span style="color: black;">非常多</span>，挑出合适的<span style="color: black;">亦</span>并非易事。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">3、</span>怎么给<span style="color: black;">孩儿</span>配置少儿重疾险？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">孩儿</span>是父母的心头肉，若<span style="color: black;">孩儿</span>不幸<span style="color: black;">病患</span>重疾，父母<span style="color: black;">亦</span>跟着糟心。大病<span style="color: black;">必须</span>的治疗费很<span style="color: black;">昂贵</span>，几十万<span style="color: black;">乃至</span>上百万，若<span style="color: black;">无</span>足够的资金，<span style="color: black;">亦</span>很难给<span style="color: black;">孩儿</span><span style="color: black;">供给</span>最好的治疗<span style="color: black;">方法</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">非常多</span>宝爸宝妈们<span style="color: black;">选取</span><span style="color: black;">经过</span>给<span style="color: black;">孩儿</span>购买少儿重疾险，来转移大病没钱医的<span style="color: black;">危害</span>。每年几百元到一千元<span style="color: black;">上下</span>的价格，就<span style="color: black;">能够</span>买到几十万保额的少儿重疾险，杠杆很高！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">购买少儿重疾险前，你应该<span style="color: black;">认识</span>这5点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、先给<span style="color: black;">孩儿</span>上国家少儿<span style="color: black;">医疗保险</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">买<span style="color: black;">商场</span>保险前，先给<span style="color: black;">孩儿</span>买少儿<span style="color: black;">医疗保险</span>，这是国家的兜底福利，<span style="color: black;">能够</span><span style="color: black;">处理</span>小病小伤的医疗花费，<span style="color: black;">然则</span><span style="color: black;">倘若</span><span style="color: black;">病患</span>大病，<span style="color: black;">那样</span>仅仅<span style="color: black;">仅有</span>一份少儿<span style="color: black;">医疗保险</span>是<span style="color: black;">不足</span>的，还应该购买少儿重疾险来做<span style="color: black;">弥补</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、少儿重疾险中是否<span style="color: black;">包括</span>高发少儿重疾</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">少儿重疾险和成人重疾险不<span style="color: black;">同样</span>，儿童期的高发<span style="color: black;">疾患</span>和成人期的是不同的，选购少儿重疾险，应该<span style="color: black;">重视</span><span style="color: black;">可否</span><span style="color: black;">包括</span>少儿高发<span style="color: black;">疾患</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">如：川崎病高发于6个月~4岁儿童<span style="color: black;">周期</span>；夏季<span style="color: black;">平常</span>的脑膜炎，高发人群是5岁以下儿童。I型糖尿病高发于青春期等。白血病是儿童发病率最高的，占儿童重疾理赔率的30%以上。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-8c792f041dd153c7deacad43358fda9d_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、少儿重疾险买<span style="color: black;">定时</span>还是买终身？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">最好是买终身的少儿重疾险。若预算有限，<span style="color: black;">能够</span>先买<span style="color: black;">定时</span>，预算充足后再买终身，<span style="color: black;">亦</span><span style="color: black;">能够</span>等<span style="color: black;">孩儿</span><span style="color: black;">成长</span>了，由<span style="color: black;">孩儿</span>自己买成人重疾做<span style="color: black;">弥补</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span>得过重疾就<span style="color: black;">不可</span>再买重疾险了，<span style="color: black;">况且</span>少儿重疾险越早买越便宜，一步到位，直接<span style="color: black;">保证</span>到终身，<span style="color: black;">不消</span>担心购买了<span style="color: black;">定时</span>后<span style="color: black;">显现</span>再<span style="color: black;">亦</span>买不到重疾险的<span style="color: black;">危害</span>！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">4、买多少保额？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">一线城市<span style="color: black;">最少</span>50万起，二三线城市30-50万。治疗费、<span style="color: black;">恢复</span>费、<span style="color: black;">成人</span>照顾<span style="color: black;">孩儿</span>的收入损失都应该<span style="color: black;">思虑</span>进去！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5、消费型还是返还型？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">重点</span>取决于经济预算，消费型的少儿重疾险最便宜，返还型因含身故责任，比消费型重疾险贵一倍以上。哆啦君<span style="color: black;">意见</span>给<span style="color: black;">孩儿</span>买消费型的少儿重疾险为主，多出来的钱完全<span style="color: black;">能够</span>给<span style="color: black;">孩儿</span>配置意外险、普通医疗险、百万医疗险，配齐全方位的<span style="color: black;">保证</span>！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">例如，每年花2000元，就<span style="color: black;">能够</span>给<span style="color: black;">孩儿</span>配齐最<span style="color: black;">基本</span>的全面<span style="color: black;">保证</span>了！</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-bede1e407f9c5e3c53bde85d05c2f557_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">4、</span>值得购买的3款少儿重疾</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以下<span style="color: black;">制品</span>的保费测算以0岁女宝宝、20年缴费、30万保额，保30年为例</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）晴天保保-【瑞泰人寿】</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">保费价格：384.62元/年*20年；总保费：7692.4元</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><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;">（1）重疾种类有100种，赔付1次，赔付100%基本保额，每两年递增基本保额的15%，最高可递增基本保额的175%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）中症种类有10种，赔付1次，赔付基本保额50%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）轻症种类有40种，赔付3次，赔付基本保额30%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）特定重疾种类有15种，额外赔付基本保额100%；保30年；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>特点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）保额会<span style="color: black;">成长</span>，最高175%</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）15种少儿特定<span style="color: black;">疾患</span>额外赔付，赔付比例可高达275%基本保额</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）忠诚客户权益</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）支持智能核保和人工核保</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>缺点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">保证</span>期限不足（最长30年），<span style="color: black;">然则</span>在预算有限的<span style="color: black;">状况</span>下，后期<span style="color: black;">能够</span>再买。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">综合偿付能力：235%（充足） 保监会<span style="color: black;">危害</span>评级：B（优秀）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">赔付方式：给付型，不管你有<span style="color: black;">无</span>花钱治病，达到赔付<span style="color: black;">需求</span>就赔钱，<span style="color: black;">例如</span>选的是80万，<span style="color: black;">那样</span>达到赔付<span style="color: black;">前提</span>后直接给付</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">哆啦评语：想给<span style="color: black;">孩儿</span>买一份<span style="color: black;">基本</span><span style="color: black;">保证</span>的，晴天保保含有轻症、中症、重疾和特定<span style="color: black;">疾患</span>的<span style="color: black;">保证</span>很全面扎实、价格便宜！<span style="color: black;">无</span>别的花里胡哨的附加责任，非常适合<span style="color: black;">做为</span><span style="color: black;">孩儿</span>的<span style="color: black;">基本</span><span style="color: black;">保证</span>。<span style="color: black;">况且</span>晴天保保有忠诚客户权益，<span style="color: black;">亦</span><span style="color: black;">处理</span>了爸妈担心小孩<span style="color: black;">成长</span>以后买不了<span style="color: black;">长时间</span>重疾的担忧。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）大黄蜂2号-【百年人寿】</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">保费价格：357元/年；总保费：7140元；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">保证</span>内容：重疾种类有100种，赔付1次，赔付50万；轻症种类有50种，赔付3次，每次赔付15万；12种少儿特定<span style="color: black;">疾患</span>12岁前赔付100万；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>特点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）投、被保人双豁免；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）12种特定<span style="color: black;">疾患</span>18岁前，双倍赔付；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）重疾保额5%复利递增10次；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）<span style="color: black;">保证</span>期限灵活，可选20年/30年、至50/60岁；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>缺点：12种少儿特定<span style="color: black;">疾患</span>是限18周岁之前可赔。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"> 综合偿付能力：104%（充足） 保监会<span style="color: black;">危害</span>评级：B（良好）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">赔付方式：给付型，不管你有<span style="color: black;">无</span>花钱治病，达到赔付<span style="color: black;">需求</span>就赔钱，<span style="color: black;">例如</span>选的是80万，<span style="color: black;">那样</span>达到赔付<span style="color: black;">前提</span>后直接给付；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">哆啦评语：<span style="color: black;">制品</span><span style="color: black;">保证</span>疾病种类有162种，<span style="color: black;">能够</span>满足不同人群的需求；其次重疾保额会增长，5%复利增长10次；<span style="color: black;">拥有</span>双重豁免功能，高性价比、非常划算！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）妈咪保贝-【复星联合】</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">保费价格：473.8元/年；总保费：9476元</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><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;">（1）重疾种类有108种，赔付1次，可附加<span style="color: black;">选取</span>二次重疾赔付，赔付间隔365天；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）中症种类有20种，赔付2次，每次赔付基本保额50%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）轻症种类有35种，赔付2次，每次赔付基本保额30%；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）少儿特定重疾有18种，额外赔付1倍保额；少儿罕见<span style="color: black;">疾患</span>有5种，额外赔付2倍保额；保30年。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>特点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）重疾保额最高100万，可附加重疾2次赔付，每次赔付100%保额</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）18种少儿特定重疾额外赔付1倍保额、5种少儿罕见<span style="color: black;">疾患</span>额外赔付2倍保额</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）投被保人双豁免。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）忠诚客户权益：<span style="color: black;">定时</span><span style="color: black;">保证</span>到期可免健康<span style="color: black;">通知</span>、等待期可转投其他重疾险<span style="color: black;">制品</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">制品</span>缺点：<span style="color: black;">保证</span>上面没啥问题，<span style="color: black;">然则</span><span style="color: black;">机构</span>知名度不高，<span style="color: black;">非常多</span>人没停过。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">综合偿付能力：235%（充足）保监会<span style="color: black;">危害</span>评级：B（优秀）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">赔付方式：给付型，不管你有<span style="color: black;">无</span>花钱治病，达到赔付<span style="color: black;">需求</span>就赔钱，<span style="color: black;">例如</span>选的是80万，<span style="color: black;">那样</span>达到赔付<span style="color: black;">前提</span>后直接给付</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">哆啦评语：复星联合妈咪保贝是一款少儿专属重疾险，最大<span style="color: black;">特殊</span>是含有忠诚客户权益，并且能附加重疾不分组二次赔付<span style="color: black;">保证</span>。健康<span style="color: black;">通知</span><span style="color: black;">前提</span>宽松，<span style="color: black;">倘若</span>宝宝身体有些<span style="color: black;">反常</span><span style="color: black;">或</span>担心少儿重疾险到期后因健康<span style="color: black;">原由</span><span style="color: black;">欠好</span>买新的重疾险，<span style="color: black;">能够</span><span style="color: black;">思虑</span>这一款。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">5、</span>总结</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">孩儿</span>的健康成长需要父母的细心呵护，<span style="color: black;">哪些</span>难以预测的<span style="color: black;">危害</span>就由保险这个强有力的杠杆<span style="color: black;">工具</span>来抵御，<span style="color: black;">医疗保险</span><span style="color: black;">处理</span>小病问题，少儿重疾险<span style="color: black;">处理</span>大病问题，给<span style="color: black;">孩儿</span>最全方位的<span style="color: black;">保证</span>，<span style="color: black;">孩儿</span>没问题，父母生活才顺心，幸福感更高！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">期盼</span>今天的<span style="color: black;">文案</span>能帮到你，<span style="color: black;">倘若</span>你对这3款<span style="color: black;">制品</span><span style="color: black;">保证</span>、健康<span style="color: black;">通知</span>不清楚的，<span style="color: black;">能够</span><span style="color: black;">微X</span>关注哆啦A保公众号咨询哆啦君给你量身定制<span style="color: black;">孩儿</span>的保险配置<span style="color: black;">方法</span>，选最便宜的。<span style="color: black;">亦</span>欢迎分享给有<span style="color: black;">必须</span>的亲朋好友。</p>
太棒了、厉害、为你打call、点赞、非常精彩等。 楼主的文章非常有意义，提升了我的知识水平。
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