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</div>  <div id="tsguesz" class="el-dialog__wrapper" style="display:none;" data-v-1bc45822><div role="dialog" aria-modal="true" aria-label="dialog" class="el-dialog" style="margin-top:15vh;width:1200px;"><div id="dkbpvcq" class="el-dialog__header"><span id="ymezyqx" class="el-dialog__title"></span><button type="button" aria-label="Close" class="el-dialog__headerbtn"><i class="el-dialog__close el-icon el-icon-close"></i></button></div></div></div></div></div> <h1 class="title" data-v-379d4c44>身體存在小毛病，如何避免加費(fèi)和除外責(zé)任承保，這樣買保險(xiǎn)可有效應(yīng)對(duì)?。ńY(jié)節(jié)/息肉/乙肝/糖尿病）</h1> <div id="ehrfesd" class="description" data-v-379d4c44><div id="tthcfxl" class="description_left" data-v-379d4c44><img src="https://static1.shenlanbao.com/zhishi-static/img/38c13d6.svg" alt data-v-379d4c44> <div id="quxwpsc" class="nameAndTime" data-v-379d4c44><div id="fthcmlh" class="comName" data-v-379d4c44>原創(chuàng)：深藍(lán)保</div> <div id="iaoythz" class="lookTime" data-v-379d4c44><time datetime="2019-01-22 14:32:45" title="2019-01-22 14:32:45" data-v-379d4c44> 2019-01-22 <span id="symlznq" class="overf" data-v-379d4c44>2019-01-22 14:32:45</span></time></div></div></div> <div id="dsgfpsn" class="description_right" data-v-379d4c44><div id="bbesrfb" class="view" data-v-379d4c44><i class="iconfont icon_eye" data-v-379d4c44></i> <span data-v-379d4c44>4841</span></div></div></div> <div class="fpkjtaa" id="zhinanLinkContains" class="contains" data-v-379d4c44><div id="krbavme" class="rich-text-parse underline-a" data-v-379d4c44><section><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514183896501.png" title="1.png" alt="1.png"/></p><p style="text-align: justify;">人吃五谷雜糧難免不生病，雖然有的情況醫(yī)生說不用在意，但買保險(xiǎn)時(shí)往往不能正常承保。</p><blockquote><p style="text-align: justify;">深藍(lán)君，我老公終于答應(yīng)買保險(xiǎn)了，可他有乙肝大三陽被保險(xiǎn)公司加費(fèi)了，還要買嗎？</p></blockquote><p style="text-align: justify;">由于健康異常，有的人會(huì)被保險(xiǎn)公司加費(fèi)或除外，他們往往就會(huì)產(chǎn)生這樣的疑惑：這保險(xiǎn)到底還要不要買？</p><p style="text-align: justify;">今天深藍(lán)君就帶著上面的問題，和大家說說保險(xiǎn)核保那些事兒，主要內(nèi)容如下：</p><p style="text-align: justify;"><span style="color: rgb(227, 108, 9);">1）保險(xiǎn)公司到底是如何核保的？</span></p><p style="text-align: justify;"><span style="color: rgb(227, 108, 9);">2）不想被加費(fèi)/除外，要怎么做？</span></p><p style="text-align: justify;"><span style="color: rgb(227, 108, 9);">3）身體異常，如何爭取正常承保？</span></p><h2 style="text-align: justify;"><span style="font-size: 18px;">一、保險(xiǎn)公司是如何核保的？</span></h2><p style="text-align: justify;">保險(xiǎn)市場還不成熟時(shí)，一些營銷員由于缺乏專業(yè)知識(shí)，只能靠人情或者對(duì)客戶 120% 的熱情來<a href="http://www.longbiao56.com/zhinan/8538" target="_blank">銷售保險(xiǎn)</a>。</p><p style="text-align: justify;">這給大家造成了一個(gè)假象：<strong>買保險(xiǎn)太容易了，只要我想買，就有一大堆人求著我買。</strong></p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514184809901.png" title="2.png" alt="2.png"/></p><p style="text-align: justify;">然而，真正投保過的朋友都知道，買保險(xiǎn)有時(shí)候并不是那么容易。投保前保險(xiǎn)公司會(huì)問我們很多問題，主要包括：</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>健康狀況：</strong>身高體重、過往病史、家族病史等</p></li><li><p style="text-align: justify;"><strong>基本情況：</strong>年齡、性別、職業(yè)、居住地等</p></li><li><p style="text-align: justify;"><strong>財(cái)務(wù)狀況：</strong>包括個(gè)人收入、家庭負(fù)債、投保保額等</p></li></ul></blockquote><p style="text-align: justify;">保險(xiǎn)公司會(huì)根據(jù)這些因素來綜合判斷每個(gè)人的風(fēng)險(xiǎn)大小，給出不同的核保結(jié)論。</p><p style="text-align: justify;">具體來說，核保結(jié)論分 5 種：<strong>正常承保、加費(fèi)承保、除外承保、延期、拒保。</strong></p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514190272001.jpg" title="3.jpg" alt="3.jpg"/></p><p style="text-align: justify;">直接說結(jié)論：</p><blockquote><p style="text-align: justify;">一般來說，按照對(duì)客戶的有利程度來排列，即：<strong>正常承保＞加費(fèi)承保＞除外承保＞延期＞拒保</strong></p></blockquote><p style="text-align: justify;">正常承保是每個(gè)人都期望的結(jié)果，但是，<strong>如果存在健康異常等風(fēng)險(xiǎn)，往往就只能加費(fèi)、除外承保。</strong></p><p style="text-align: justify;">如果風(fēng)險(xiǎn)不確定或超出保險(xiǎn)公司承受范圍，甚至有可能被延期、拒保。</p><blockquote><p style="text-align: justify;">保險(xiǎn)講究公平性。如果一個(gè)身體沒那么健康的人要加入保障，要么多交點(diǎn)錢，要么不保障風(fēng)險(xiǎn)較高的部分，只有這樣，對(duì)其他健康的客戶才是公平的。</p></blockquote><p style="text-align: justify;">因此，買保險(xiǎn)并沒有想象中那么容易，很多時(shí)候，<strong>我們不是在買保險(xiǎn)，而是在申請保險(xiǎn)。</strong></p><h2 style="text-align: justify;"><span style="font-size: 18px;">二、被加費(fèi)了，還要買保險(xiǎn)嗎？</span></h2><p style="text-align: justify;">絕大多數(shù)被加費(fèi)的朋友，都是因?yàn)樯眢w有異常，保險(xiǎn)公司要為這些風(fēng)險(xiǎn)付出更高的保障成本，保費(fèi)自然也比普通人高。</p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514191117701.png" title="4.png" alt="4.png"/></p><blockquote><p style="text-align: justify;">例如超重、乙肝小三陽等，一般加費(fèi) 10%-30% 左右，而乙肝大三陽可能會(huì)加費(fèi) 50% 以上。</p></blockquote><p style="text-align: justify;">有的人想當(dāng)然認(rèn)為，一旦生病，在保險(xiǎn)公司面前就變成了“弱勢群體”，加多少全憑保險(xiǎn)公司一張嘴，真的是這樣嗎？</p><p style="text-align: justify;"><strong>1、保險(xiǎn)會(huì)亂加費(fèi)嗎，有什么依據(jù)？</strong></p><p style="text-align: justify;">其實(shí)加不加費(fèi)，加多少，并不是核保員或保險(xiǎn)公司拍腦袋說了算，而是保險(xiǎn)行業(yè)內(nèi)有一套通用的加費(fèi)標(biāo)準(zhǔn)：<strong>額外死亡率。</strong></p><blockquote><p style="text-align: justify;">簡單理解就是，某些人群的風(fēng)險(xiǎn)更大（例如健康欠佳），死亡率會(huì)比正常人群要高，高出來的部分就叫“額外死亡率”。</p></blockquote><p style="text-align: justify;">由于每個(gè)人風(fēng)險(xiǎn)點(diǎn)不同，計(jì)算出來的額外死亡率就有差異，加費(fèi)額度自然也不一樣。</p><p style="text-align: justify;">由此可見，<strong>加費(fèi)是基于大數(shù)據(jù)、且有嚴(yán)謹(jǐn)?shù)目茖W(xué)計(jì)算，并不是保險(xiǎn)公司想加多少就加多少。</strong></p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514192107401.png" title="5.png" alt="5.png"/></p><p style="text-align: justify;"><strong>2、被加費(fèi)了，保險(xiǎn)還要買嗎？</strong></p><p style="text-align: justify;">很多朋友因?yàn)槟撤N疾病被加費(fèi)時(shí)，往往猶豫要不要買。保險(xiǎn)業(yè)務(wù)員通常會(huì)告訴你：“被加費(fèi)，也是一種幸?！?，其實(shí)也是有一定道理的。</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>從保障來看：</strong>加費(fèi)并沒有讓保障短斤缺兩，該保的都保。相比除外承保，加費(fèi)確實(shí)是更有利的。</p></li><li><p style="text-align: justify;"><strong>從長遠(yuǎn)來看：</strong>加費(fèi)說明你的身體出現(xiàn)了一些不可忽視的風(fēng)險(xiǎn)，如果現(xiàn)在不考慮投保，一旦病情有加重的跡象，后期甚至有可能被延期或拒保。</p></li></ul></blockquote><p style="text-align: justify;">因此，如果加費(fèi)額度在預(yù)算范圍內(nèi)，深藍(lán)君還是建議大家能保就保，畢竟獲得保障才是第一位的。</p><h2 style="text-align: justify;"><span style="font-size: 18px;">三、被除外承保，還要買保險(xiǎn)？</span></h2><p style="text-align: justify;">由于身體異常，除加費(fèi)外，另一種常見核保結(jié)論就是：<strong>除外承保</strong>。</p><p style="text-align: justify;">保險(xiǎn)公司考慮到某種疾病的風(fēng)險(xiǎn)較高，所以將相關(guān)的保障排除在外，但保費(fèi)和正常承保是一樣的。</p><p style="text-align: justify;"><strong>1、被除外了，這份保險(xiǎn)還要嗎？</strong></p><p style="text-align: justify;">如果你已經(jīng)投保過多家保險(xiǎn)公司，找不到更好的核保結(jié)論了，那么個(gè)人建議你接受現(xiàn)實(shí)。至少在當(dāng)下，這是最合適的選擇了。</p><p style="text-align: justify;">其實(shí)有時(shí)候，即使有些疾病被除外了，我們自己也是可以承受的。</p><blockquote><p style="text-align: justify;">以甲狀腺結(jié)節(jié)投保重疾險(xiǎn)為例，絕大多數(shù)公司都是除外甲狀腺癌。</p><p style="text-align: justify;">但甲狀腺癌又被稱為“喜癌”，5 年生存率接近 90%，患者大多數(shù)無需放化療，只要?jiǎng)觽€(gè)小手術(shù)切除，加上后期吃藥就可以像普通人一樣生活。</p></blockquote><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514192985101.png" title="6.png" alt="6.png"/></p><p style="text-align: justify;">去年，深藍(lán)君有一位朋友也不幸患上了甲狀腺癌。整個(gè)治療過程下來，<a href="http://www.longbiao56.com/he/231992" target="_blank">社保報(bào)銷</a>了一大部分，最后自己只付了幾千塊錢<a target="_blank">（點(diǎn)擊了解）</a>。</p><blockquote><p style="text-align: justify;">所以這種情況就算被除外了，影響也不會(huì)太大。<a href="http://www.longbiao56.com/he/323900" target="_blank">保險(xiǎn)的作用</a>，主要還是保障我們無法承受的風(fēng)險(xiǎn)。</p></blockquote><p style="text-align: justify;">另一方面，我也看到很多被除外的朋友，更加注重保健和每年體檢了。疾病“早發(fā)現(xiàn)，早治療”，也未嘗不是一件好事。</p><p style="text-align: justify;"><strong>2、加費(fèi) or 除外，應(yīng)該選哪個(gè)？</strong></p><p style="text-align: justify;">還有的朋友會(huì)遇到，同一疾病在不同保險(xiǎn)公司，有的加費(fèi)，有的除外，這種情況又該如何選擇呢？</p><p style="text-align: justify;">舉個(gè)例子，A 同學(xué)、B 同學(xué)都有乙肝大三陽，都同時(shí)投保了 C 公司、D 公司的重疾險(xiǎn)。</p><p style="text-align: justify;">兩家公司的核保政策如下：</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>C 公司：</strong>對(duì)大三陽除外肝癌責(zé)任，每年保費(fèi) 1 萬</p></li><li><p style="text-align: justify;"><strong>D 公司：</strong>對(duì)大三陽加費(fèi) 50% 承保，每年保費(fèi) 1.5 萬</p></li></ul></blockquote><p style="text-align: justify;">對(duì)于同樣的疾病，兩家保險(xiǎn)公司給出了不同的核保結(jié)論，那么兩位同學(xué)又會(huì)如何選擇？</p><blockquote><p style="text-align: justify;"><strong>預(yù)算充足的小 A：</strong></p><p style="text-align: justify;">大三陽這件事困擾了小 A 二十幾年，肝癌正是他最擔(dān)心的問題，如果將肝癌除外他是無法接受的。</p><p style="text-align: justify;">考慮到加費(fèi)后仍在預(yù)算范圍內(nèi)，于是就選擇了加費(fèi)承保，日后即便得了肝癌，保險(xiǎn)公司也是要賠的。</p></blockquote><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514193835701.png" title="7.png" alt="7.png"/></p><blockquote><p style="text-align: justify;"><strong>預(yù)算不足的小 B：</strong></p><p style="text-align: justify;">在小 B 看來，加費(fèi) 50%已嚴(yán)重超出預(yù)算，而且他對(duì)這個(gè)病比較樂觀。</p><p style="text-align: justify;">在看他來，乙肝也未必會(huì)變成肝癌，只要自己控制得當(dāng)就沒什么問題，于是坦然選擇了除外承保。</p></blockquote><p style="text-align: justify;">因此，選擇加費(fèi)還是除外，沒有標(biāo)準(zhǔn)答案，具體還是看個(gè)人的選擇，并沒有對(duì)錯(cuò)之分。</p><h2 style="text-align: justify;"><span style="font-size: 18px;">四、如何爭取更好的核保結(jié)論？</span></h2><p style="text-align: justify;">有人聽說身邊的朋友因某種疾病被拒保，心里就非常擔(dān)憂：</p><blockquote><p style="text-align: justify;">深藍(lán)君，去年我一個(gè)同事因?yàn)槿橄俳Y(jié)節(jié)被拒保了，這次體檢我也查出結(jié)節(jié)，怎么辦？也不能買保險(xiǎn)了嗎？</p></blockquote><p style="text-align: justify;">其實(shí)大家不需要太悲觀，因?yàn)榫退闶峭环N疾病，核保結(jié)論也很可能完全不同。具體表現(xiàn)在如下兩點(diǎn)：</p><p style="text-align: justify;"><strong>1、不同疾病程度，核保結(jié)論不同</strong></p><p style="text-align: justify;">以乳腺結(jié)節(jié)為例，很多醫(yī)院乳腺B超都會(huì)顯示 BI-RADS 分級(jí)，這是一套判斷結(jié)節(jié)良惡性的標(biāo)準(zhǔn)。</p><p style="text-align: justify;">各種分級(jí)的意義如下：</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>1 級(jí)：</strong>正常乳腺，未發(fā)現(xiàn)異常病變</p></li><li><p style="text-align: justify;"><strong>2 級(jí)：</strong>良性病變，基本排除惡性，定期復(fù)查即可</p></li><li><p style="text-align: justify;"><strong>3 級(jí)：</strong>可能是良性病變，惡性率一般 <2% ，建議每 3-6 個(gè)月復(fù)查</p></li><li><p style="text-align: justify;"><strong>4 級(jí)：</strong>可疑惡性病變，惡性率 2-95%</p></li><li><p style="text-align: justify;"><strong>5 級(jí)：</strong>高度可能惡性，可能性大于 95%</p></li><li><p style="text-align: justify;"><strong>6 級(jí)：</strong>已活檢，證實(shí)為惡性</p></li></ul></blockquote><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514194828201.png" title="8.png" alt="8.png"/></p><p style="text-align: justify;">根據(jù)不同的分級(jí)，通常又有不同的核保結(jié)論。以某款重疾險(xiǎn)為例：</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>0 - 2 級(jí)：</strong>正常承保</p></li><li><p style="text-align: justify;"><strong>3 級(jí)：</strong>除外乳腺癌責(zé)任</p></li><li><p style="text-align: justify;"><strong>4 級(jí)或以上：</strong>拒保</p></li></ul></blockquote><p style="text-align: justify;">也就是說，同樣都是乳腺結(jié)節(jié)，有人可能拒保，有人卻可以正常承保。</p><p style="text-align: justify;">所以有某些疾病也無需太過擔(dān)憂，明確疾病程度，如實(shí)告知就好，剩下的就留給保險(xiǎn)公司來判斷吧。</p><p style="text-align: justify;"><strong>2、不同保險(xiǎn)公司，核保結(jié)論不同</strong></p><p style="text-align: justify;">雖然保險(xiǎn)公司是經(jīng)營風(fēng)險(xiǎn)的機(jī)構(gòu)，然而不同公司的核保標(biāo)準(zhǔn)并不完全一致。這里列舉幾款線上產(chǎn)品的核保結(jié)論：</p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514195877701.jpg" title="9.jpg" alt="9.jpg"/></p><p style="text-align: justify;">從上面從列出的幾種常見病來看，<a href="http://www.longbiao56.com/pingce/118120617490490201" target="_blank" class="pingce">康惠保旗艦版</a>、弘康健 A 的核保結(jié)論是相對(duì)寬松的，但想要“正常承保”，還要滿足不少條件。</p><p style="text-align: justify;">以患有甲狀腺結(jié)節(jié)，投?？祷荼Ｆ炫灠鏋槔?，需要提供半年內(nèi)的超聲報(bào)告，并且報(bào)告內(nèi)沒有以下 7 種異常：</p><blockquote><p style="text-align: justify;">（1）低回聲結(jié)節(jié)；</p><p style="text-align: justify;">（2）結(jié)節(jié)直徑>10mm；</p><p style="text-align: justify;">（3）結(jié)節(jié)邊緣不規(guī)則邊界不清楚；</p><p style="text-align: justify;">（4）結(jié)節(jié)內(nèi)血供豐富，血流紊亂；</p><p style="text-align: justify;">（5）頸部淋巴結(jié)腫大；</p><p style="text-align: justify;">（6）節(jié)內(nèi)微小鈣化；</p><p style="text-align: justify;">（7）報(bào)告提及“建議?？泼鞔_診斷”</p></blockquote><p style="text-align: justify;">如果有上面提到的任何一個(gè)異常，那就不能正常承保了。雖然嚴(yán)格，但至少給了大家一些希望，從這個(gè)角度來說也是很不錯(cuò)的。</p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514200843401.jpg" title="10.jpg" alt="10.jpg"/></p><p style="text-align: justify;">結(jié)合以上兩點(diǎn)，為了獲得更好的核保結(jié)論，我建議大家做好下面四點(diǎn)：</p><blockquote><p style="text-align: justify;"><strong>① 積極配合，收集資料</strong></p><p style="text-align: justify;">一旦開始投保就要積極配合保險(xiǎn)公司收集資料，避免因?yàn)橘Y料不完整，保險(xiǎn)公司無法判斷風(fēng)險(xiǎn)，從而導(dǎo)致被延期。</p><p style="text-align: justify;"><strong>② 明確病情，如實(shí)告知</strong></p><p style="text-align: justify;">比如甲狀腺、乳腺結(jié)節(jié)，保險(xiǎn)公司都要參考最新的超聲檢查報(bào)告，才能給出核保結(jié)論。</p><p style="text-align: justify;">如果已經(jīng)手術(shù)切除，并且確診結(jié)節(jié)是良性，就更有可能獲得“正常承?！?。</p></blockquote><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514201649601.jpg" title="11.jpg" alt="11.jpg"/></p><blockquote><p style="text-align: justify;"><strong>③ 慢性疾病，調(diào)節(jié)再買</strong></p><p style="text-align: justify;">一些慢性?。ū热纾?a target="_blank">高血壓</a>、<a target="_blank">高血糖</a>、<a target="_blank">肥胖</a>等），建議調(diào)理到一個(gè)穩(wěn)定水平之后再投保。</p><p style="text-align: justify;">如果有按時(shí)服藥、定期復(fù)查等，也請務(wù)必告訴保險(xiǎn)公司，這樣才有利于作出更優(yōu)的核保結(jié)論。</p><p style="text-align: justify;"><strong>④ 多家投保，擇優(yōu)選擇</strong></p><p style="text-align: justify;">不論線上線下，可以選擇多家保險(xiǎn)公司投保，選擇最優(yōu)的核保結(jié)論，選擇對(duì)自己最有利的情況。</p></blockquote><p style="text-align: justify;">這就是深藍(lán)君給到的幾點(diǎn)務(wù)實(shí)建議，我在<a target="_blank">《如何快速帶病投保？》</a>，也有一些實(shí)操的辦法，可以查看具體詳情。</p><h2 style="text-align: justify;"><span style="font-size: 18px;">五、關(guān)于核保的常見疑問</span></h2><p style="text-align: justify;">核保是一件很專業(yè)的事情，作為消費(fèi)者，常常會(huì)因?yàn)椴涣私舛a(chǎn)生各種各樣的疑問。</p><p style="text-align: justify;"><strong>疑問 1：醫(yī)生說沒事，憑啥要加費(fèi)？</strong></p><p style="text-align: justify;">很多朋友都給深藍(lán)君反饋，明明醫(yī)生說了沒事，保險(xiǎn)公司卻要加費(fèi)或除外，這不是小題大做么？</p><p style="text-align: justify;">我們來看看兩者之間的差異：</p><blockquote><ul class=" list-paddingleft-2" style="list-style-type: disc;"><li><p style="text-align: justify;"><strong>醫(yī)生的做法：</strong>主要關(guān)注當(dāng)前是否需要治療，如果對(duì)正常的工作和生活沒什么影響，那就問題不大。如果病情有變化，建議隨時(shí)來復(fù)診。</p></li><li><p style="text-align: justify;"><strong>核保的做法：</strong>更加關(guān)注未來會(huì)不會(huì)有風(fēng)險(xiǎn)，以及出險(xiǎn)的概率有多大。核保結(jié)論決定后，一般無法修改，客戶發(fā)生健康變化也無需告訴保險(xiǎn)公司。</p></li></ul></blockquote><p style="text-align: justify;">簡單來說，醫(yī)生看重當(dāng)下，核保員注重未來。醫(yī)生與核保看問題的角度不同，結(jié)論自然也不一樣。</p><p style="text-align: justify;"><strong>疑問 2：保費(fèi)都倒掛了，還買不買？</strong></p><p style="text-align: justify;">保費(fèi)倒掛，就是自己交的總保費(fèi) ，已經(jīng)超過了保額，說明保險(xiǎn)的杠桿不高。那么，這種情況還要買嗎？</p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514202498001.jpg" title="12.jpg" alt="12.jpg"/></p><p style="text-align: justify;">首先，自己交的錢比保險(xiǎn)公司賠的還要多，換了任何人心里都不好受，體驗(yàn)肯定不好。</p><p style="text-align: justify;">但是再仔細(xì)想一下，<strong>“保費(fèi)倒掛”是交完費(fèi)后總保費(fèi)才超過保額。</strong></p><blockquote><p style="text-align: justify;">在幾十年的繳費(fèi)期內(nèi)，一般保額還是大于保費(fèi)的，還會(huì)有一些保障杠桿。</p><p style="text-align: justify;">而且，目前有很多重疾險(xiǎn)都可以多次賠付。如果真的不幸患上兩次重疾，保險(xiǎn)還能再賠一次 30 萬，杠桿就進(jìn)一步提高了。</p></blockquote><p style="text-align: justify;">總的來說，由于我們無法預(yù)知未來會(huì)不會(huì)患病，什么時(shí)候患病，所以也無法算清楚劃不劃算。</p><p style="text-align: justify;">因此，具體到底買不買，還是要看個(gè)人選擇，同樣沒有標(biāo)準(zhǔn)答案。</p><h2 style="text-align: justify;"><span style="font-size: 18px;">六、寫在最后</span></h2><p style="text-align: justify;">今天深藍(lán)君重點(diǎn)分享了保險(xiǎn)核保的原理，以及被加費(fèi)或者除外的投保思路。我們希望能把那些晦澀難懂的術(shù)語，通俗易懂地說給你聽。</p><p style="text-align:center"><img src="http://file.shenlanbao.com/2020/01/15/120011514203386801.png" title="13.png" alt="13.png"/></p><p style="text-align: justify;">身體健康，可能是別人求著你買保險(xiǎn)，但如果身體存在異常，那么就是自己求著保險(xiǎn)公司了。</p><blockquote><p style="text-align: justify;">不過大家也不用過分擔(dān)心，任何事情都是有解決辦法的，在<a target="_blank">《如何快速帶病投保？》</a>一文中，我們也分享過實(shí)操的辦法。</p></blockquote><p style="text-align: justify;">盡人事聽天命，世上沒有什么十全十美，根據(jù)實(shí)際情況做好自己能做的，就已經(jīng)很好了。</p><p style="text-align: justify;">希望今天的文章對(duì)你有用，也歡迎分享給有需要的朋友。</p><p style="text-align: justify;">你的支持，是我繼續(xù)下去的動(dòng)力：）</p><p style="text-align: center;"></p></section><p><br/></p></div></div> <a href="http://www.longbiao56.com/consult/?channel=WEB0081" class="xianshiImg" data-v-379d4c44><img src="https://file.shenlanbao.com/2021/10/29/file/img_details_xianshi.png" alt data-v-379d4c44></a> <div id="rcqtsoc" class="tipBox" data-v-23a2d970 data-v-379d4c44><a href="/tags/結(jié)節(jié)" class="tips" data-v-23a2d970><div id="rcmwnml" class="item_img" data-v-23a2d970></div> <div id="ipznbma" class="item_text" data-v-23a2d970>結(jié)節(jié)</div></a><a href="/tags/加費(fèi)" class="tips" data-v-23a2d970><div id="sgjpkry" class="item_img" data-v-23a2d970></div> <div id="ovfpcit" class="item_text" data-v-23a2d970>加費(fèi)</div></a><a href="/tags/除外責(zé)任" class="tips" data-v-23a2d970><div id="fqeknfx" class="item_img" 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data-v-1260a28f><div id="rjxhyip" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="nqanfxl" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/4200" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="http://file.shenlanbao.com/2019/06/27/119062717495532102.png" data-v-c8a124f0></a> <div id="jidcuxt" class="gap" data-v-c8a124f0></div> <div id="ixlognj" class="content" data-v-c8a124f0><a href="/zhinan/4200" target="_self" class="title style-oneline" data-v-c8a124f0>乙肝如何買保險(xiǎn)？才不會(huì)拒保/加費(fèi)/責(zé)任除外？</a> <div id="mlgfnyu" class="desc style-mutiline" data-v-c8a124f0>我國是乙肝大國，深藍(lán)君的親友中很多都是乙肝患者，在去年我也針對(duì)乙肝寫過詳細(xì)的投保攻略。隨著用戶的增多</div> <div id="mthvffm" class="info" data-v-c8a124f0><div id="cyqazcb" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4KPHN2ZyB3aWR0aD0iMTZweCIgaGVpZ2h0PSIxNnB4IiB2aWV3Qm94PSIwIDAgMTYgMTYiIHZlcnNpb249IjEuMSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIiB4bWxuczp4bGluaz0iaHR0cDovL3d3dy53My5vcmcvMTk5OS94bGluayI+CiAgICA8dGl0bGU+aWNvbl90aW1lPC90aXRsZT4KICAgIDxnIGlkPSJpY29uX3RpbWUiIHN0cm9rZT0ibm9uZSIgc3Ryb2tlLXdpZHRoPSIxIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPgogICAgICAgIDxnIHRyYW5zZm9ybT0idHJhbnNsYXRlKDEuNTAwMDAwLCAxLjUwMDAwMCkiPgogICAgICAgICAgICA8ZyBpZD0i57yW57uELTciIHRyYW5zZm9ybT0idHJhbnNsYXRlKDUuNTAwMDAwLCAzLjAwMDAwMCkiIGZpbGw9IiNBQkFCQUIiPgogICAgICAgICAgICAgICAgPHJlY3QgaWQ9IuefqeW9oiIgeD0iMCIgeT0iMC41IiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgICAgICA8cmVjdCBpZD0i55+p5b2iIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgyLjAwMDAwMCwgNC4wMDAwMDApIHNjYWxlKC0xLCAxKSByb3RhdGUoOTAuMDAwMDAwKSB0cmFuc2xhdGUoLTIuMDAwMDAwLCAtNC4wMDAwMDApICIgeD0iMS41IiB5PSIyIiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgIDwvZz4KICAgICAgICAgICAgPGNpcmNsZSBpZD0i5qSt5ZyG5b2iIiBzdHJva2U9IiNBQkFCQUIiIGN4PSI2LjUiIGN5PSI2LjUiIHI9IjYiPjwvY2lyY2xlPgogICAgICAgIDwvZz4KICAgIDwvZz4KPC9zdmc+" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2018-03-23</span></div> <div id="vgovmlv" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>6318</span></div></div></div></div></div><div id="wlguiwd" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="nuidjie" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1597064805598408704" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2022/11/28/1597064490300293120/232.jpg" data-v-c8a124f0></a> <div id="mpojxsg" class="gap" data-v-c8a124f0></div> <div id="kvzyxtl" class="content" data-v-c8a124f0><a href="/zhinan/1597064805598408704" target="_self" class="title style-oneline" data-v-c8a124f0>被除外或加費(fèi)還有必要買保險(xiǎn)嗎？</a> <div id="qtogtlo" class="desc style-mutiline" data-v-c8a124f0>現(xiàn)在工作這么累、壓力這么大，加上飲食作息不規(guī)律，很多人體檢會(huì)有各種異常。雖然有的小毛病醫(yī)生說沒關(guān)系，</div> <div id="ccisnbi" class="info" data-v-c8a124f0><div id="milocju" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2022-11-28</span></div> <div id="ledcnqx" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>1606</span></div></div></div></div></div><div id="hcbegny" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="mehkyts" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1919" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="http://file.shenlanbao.com/2019/06/27/119062716152282802.png" data-v-c8a124f0></a> <div id="qdvjpsz" class="gap" data-v-c8a124f0></div> <div id="wdnbsvy" class="content" data-v-c8a124f0><a href="/zhinan/1919" target="_self" class="title style-oneline" data-v-c8a124f0>體檢查出甲狀腺結(jié)節(jié)，保險(xiǎn)健康告知怎么填？如何避免被責(zé)任除外？</a> <div id="uupdgyq" class="desc style-mutiline" data-v-c8a124f0>今天我們一起談?wù)劶谞钕俸捅ｋU(xiǎn)的事情，很多朋友在體檢的時(shí)候發(fā)現(xiàn)了甲狀腺結(jié)節(jié)，可能這件事醫(yī)生了說了問題不</div> <div id="jfadkjm" class="info" data-v-c8a124f0><div id="hkcbild" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2017-10-13</span></div> <div id="drbtsgb" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>9897</span></div></div></div></div></div><div id="kvfarnf" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="tlciaky" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1858" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="http://file.shenlanbao.com/2019/06/27/119062715064686502.jpg" data-v-c8a124f0></a> <div id="zlzyfld" class="gap" data-v-c8a124f0></div> <div id="twvutps" class="content" data-v-c8a124f0><a href="/zhinan/1858" target="_self" class="title style-oneline" data-v-c8a124f0>乙肝怎樣買保險(xiǎn)？才能不會(huì)被延期、加費(fèi)、拒保？（乙肝攜帶者/大三陽/小三陽）</a> <div id="aeorxsz" class="desc style-mutiline" data-v-c8a124f0>眾所周知，我國是乙肝大國，約有1億多乙肝病毒攜帶者，乙肝患者更有幾千萬之多。大家比較熟知的人中，劉德</div> <div id="ltdnbxp" class="info" data-v-c8a124f0><div id="kuaofip" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2017-10-10</span></div> <div id="bbhnbil" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>4602</span></div></div></div></div></div><div id="nfeszvg" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="qfldewo" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1502112427300290560" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2022/03/11/1502112115323764736.jpg" data-v-c8a124f0></a> <div id="bsgbldv" class="gap" data-v-c8a124f0></div> <div id="tahgbxm" class="content" data-v-c8a124f0><a href="/zhinan/1502112427300290560" target="_self" class="title style-oneline" data-v-c8a124f0>除外承保是什么意思？保險(xiǎn)還能不能買？</a> <div id="ieknqtp" class="desc style-mutiline" data-v-c8a124f0>我們都知道，買保險(xiǎn)就是想買一份保障，但是如果在買保險(xiǎn)前已經(jīng)患了某種疾病，在投保時(shí)被告知除外承保，那這</div> <div id="qtwvqty" class="info" data-v-c8a124f0><div id="srjttpo" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2022-03-11</span></div> <div id="kdnxsgb" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>6764</span></div></div></div></div></div><div id="llkjwvj" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="ttdrxwn" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1544505606303612928" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2022/07/06/1544505351647993856/hellorf_2236730500_副本.jpg" data-v-c8a124f0></a> <div id="zznuxwv" class="gap" data-v-c8a124f0></div> <div id="wlonpwk" class="content" data-v-c8a124f0><a href="/zhinan/1544505606303612928" target="_self" class="title style-oneline" data-v-c8a124f0>買保險(xiǎn)被除外了，怎么更改承保結(jié)果？</a> <div id="tsvbldo" class="desc style-mutiline" data-v-c8a124f0>保險(xiǎn)不能治病救人，但可以用來預(yù)防因疾病或意外導(dǎo)致的家庭財(cái)務(wù)風(fēng)險(xiǎn)。這也是大部分人買保險(xiǎn)的原因，如果體檢</div> <div id="medvvcf" class="info" data-v-c8a124f0><div id="wdgnftp" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" 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,{id:"1915665504466178048",title:"日本老人，為啥扎堆進(jìn)監(jiān)獄養(yǎng)老？",intro:"日本在2019年，5個(gè)罪犯中至少有1位是65歲以上的老年人。為什么日本老人，寧愿犧牲自由換養(yǎng)老？",view:631,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F25\u002F1915665311477735424\u002F2_副本.jpg",publishTime:"2025-04-25"},{id:"1915251050071003136",title:"爸媽病倒了，才發(fā)現(xiàn)他們一直在“說謊”...",intro:"今天把熬夜整理的爸媽保險(xiǎn)攻略分享給大家，保障全面更安心！",view:953,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F24\u002F1915250250510704640\u002Fai-generated-8966004_640.jpg",publishTime:"2025-04-24"},{id:"1914633033322663936",title:"社保大戰(zhàn)打響！給騎手交社保后，保險(xiǎn)行業(yè)也有大動(dòng)作",intro:"京東、美團(tuán)給騎手交社保后，保險(xiǎn)代理人是否也能實(shí)現(xiàn)繳納社保呢？",view:751,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F22\u002F1914632540705726464\u002F3_副本.jpg",publishTime:"2025-04-23"},{id:"1914517268296699904",title:"加征125%關(guān)稅后，美國進(jìn)口藥會(huì)大漲價(jià)嗎？",intro:"今天來聊聊，關(guān)稅戰(zhàn)之下，美國藥是否會(huì)大漲價(jià)？我們看病就醫(yī)可能受到什么影響？",view:"1K",cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F22\u002F1914517017070346240\u002F640_副本.jpg",publishTime:ax}],Narticle:[{id:"1920744619380641792",title:"“開始干保險(xiǎn)后，我才發(fā)現(xiàn)以前買的保險(xiǎn)有問題”",createTime:z,content:c,view:340,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F05\u002F09\u002F1920743935009148928\u002Fstethoscope-5224535_640.jpg",publishTime:z,articleTypeNames:c,str:az},{id:"1920735457579053056",title:"醫(yī)保余額能買商業(yè)保險(xiǎn)了！一文說清能買啥產(chǎn)品、怎么買",createTime:z,content:c,view:183,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F05\u002F09\u002F1920735141226553344\u002Fcost-4164540_640.jpg",publishTime:z,articleTypeNames:c,str:az},{id:"1920420222880133120",title:"保終身的百萬醫(yī)療險(xiǎn)大PK！好醫(yī)保\u002F藍(lán)醫(yī)保\u002F心醫(yī)保，誰更能打？",createTime:p,content:c,view:289,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F05\u002F08\u002F1920415971256094720\u002Fmedicine-6392469_640.jpg",publishTime:p,articleTypeNames:c,str:M},{id:"1920411020940873728",title:"2025大公司重疾險(xiǎn)，最值得買的就2款！",createTime:p,content:c,view:438,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F05\u002F08\u002F1920410487177814016\u002Fskyscrapers-3184798_640_副本.jpg",publishTime:p,articleTypeNames:c,str:M},{id:"1920360981480673280",title:"保險(xiǎn)公司炒股賺了5000億，你買的保險(xiǎn)能分錢嗎？",createTime:p,content:c,view:527,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F05\u002F08\u002F1920360850807640064\u002Fdon-3565700_640.jpg",publishTime:p,articleTypeNames:c,str:M}],artData:{id:N,content:"\u003Csection\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514183896501.png\" title=\"1.png\" alt=\"1.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E人吃五谷雜糧難免不生病，雖然有的情況醫(yī)生說不用在意，但買保險(xiǎn)時(shí)往往不能正常承保。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E深藍(lán)君，我老公終于答應(yīng)買保險(xiǎn)了，可他有乙肝大三陽被保險(xiǎn)公司加費(fèi)了，還要買嗎？\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E由于健康異常，有的人會(huì)被保險(xiǎn)公司加費(fèi)或除外，他們往往就會(huì)產(chǎn)生這樣的疑惑：這保險(xiǎn)到底還要不要買？\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E今天深藍(lán)君就帶著上面的問題，和大家說說保險(xiǎn)核保那些事兒，主要內(nèi)容如下：\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cspan style=\"color: rgb(227, 108, 9);\"\u003E1）保險(xiǎn)公司到底是如何核保的？\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cspan style=\"color: rgb(227, 108, 9);\"\u003E2）不想被加費(fèi)\u002F除外，要怎么做？\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cspan style=\"color: rgb(227, 108, 9);\"\u003E3）身體異常，如何爭取正常承保？\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E一、保險(xiǎn)公司是如何核保的？\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E保險(xiǎn)市場還不成熟時(shí)，一些營銷員由于缺乏專業(yè)知識(shí)，只能靠人情或者對(duì)客戶 120% 的熱情來\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhinan\u002F8538\" target=\"_blank\"\u003E銷售保險(xiǎn)\u003C\u002Fa\u003E。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E這給大家造成了一個(gè)假象：\u003Cstrong\u003E買保險(xiǎn)太容易了，只要我想買，就有一大堆人求著我買。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514184809901.png\" title=\"2.png\" alt=\"2.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E然而，真正投保過的朋友都知道，買保險(xiǎn)有時(shí)候并不是那么容易。投保前保險(xiǎn)公司會(huì)問我們很多問題，主要包括：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E健康狀況：\u003C\u002Fstrong\u003E身高體重、過往病史、家族病史等\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E基本情況：\u003C\u002Fstrong\u003E年齡、性別、職業(yè)、居住地等\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E財(cái)務(wù)狀況：\u003C\u002Fstrong\u003E包括個(gè)人收入、家庭負(fù)債、投保保額等\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E保險(xiǎn)公司會(huì)根據(jù)這些因素來綜合判斷每個(gè)人的風(fēng)險(xiǎn)大小，給出不同的核保結(jié)論。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E具體來說，核保結(jié)論分 5 種：\u003Cstrong\u003E正常承保、加費(fèi)承保、除外承保、延期、拒保。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514190272001.jpg\" title=\"3.jpg\" alt=\"3.jpg\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E直接說結(jié)論：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E一般來說，按照對(duì)客戶的有利程度來排列，即：\u003Cstrong\u003E正常承保＞加費(fèi)承保＞除外承保＞延期＞拒保\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E正常承保是每個(gè)人都期望的結(jié)果，但是，\u003Cstrong\u003E如果存在健康異常等風(fēng)險(xiǎn)，往往就只能加費(fèi)、除外承保。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E如果風(fēng)險(xiǎn)不確定或超出保險(xiǎn)公司承受范圍，甚至有可能被延期、拒保。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E保險(xiǎn)講究公平性。如果一個(gè)身體沒那么健康的人要加入保障，要么多交點(diǎn)錢，要么不保障風(fēng)險(xiǎn)較高的部分，只有這樣，對(duì)其他健康的客戶才是公平的。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E因此，買保險(xiǎn)并沒有想象中那么容易，很多時(shí)候，\u003Cstrong\u003E我們不是在買保險(xiǎn)，而是在申請保險(xiǎn)。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E二、被加費(fèi)了，還要買保險(xiǎn)嗎？\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E絕大多數(shù)被加費(fèi)的朋友，都是因?yàn)樯眢w有異常，保險(xiǎn)公司要為這些風(fēng)險(xiǎn)付出更高的保障成本，保費(fèi)自然也比普通人高。\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514191117701.png\" title=\"4.png\" alt=\"4.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E例如超重、乙肝小三陽等，一般加費(fèi) 10%-30% 左右，而乙肝大三陽可能會(huì)加費(fèi) 50% 以上。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E有的人想當(dāng)然認(rèn)為，一旦生病，在保險(xiǎn)公司面前就變成了“弱勢群體”，加多少全憑保險(xiǎn)公司一張嘴，真的是這樣嗎？\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E1、保險(xiǎn)會(huì)亂加費(fèi)嗎，有什么依據(jù)？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E其實(shí)加不加費(fèi)，加多少，并不是核保員或保險(xiǎn)公司拍腦袋說了算，而是保險(xiǎn)行業(yè)內(nèi)有一套通用的加費(fèi)標(biāo)準(zhǔn)：\u003Cstrong\u003E額外死亡率。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E簡單理解就是，某些人群的風(fēng)險(xiǎn)更大（例如健康欠佳），死亡率會(huì)比正常人群要高，高出來的部分就叫“額外死亡率”。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E由于每個(gè)人風(fēng)險(xiǎn)點(diǎn)不同，計(jì)算出來的額外死亡率就有差異，加費(fèi)額度自然也不一樣。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E由此可見，\u003Cstrong\u003E加費(fèi)是基于大數(shù)據(jù)、且有嚴(yán)謹(jǐn)?shù)目茖W(xué)計(jì)算，并不是保險(xiǎn)公司想加多少就加多少。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514192107401.png\" title=\"5.png\" alt=\"5.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E2、被加費(fèi)了，保險(xiǎn)還要買嗎？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E很多朋友因?yàn)槟撤N疾病被加費(fèi)時(shí)，往往猶豫要不要買。保險(xiǎn)業(yè)務(wù)員通常會(huì)告訴你：“被加費(fèi)，也是一種幸?！?，其實(shí)也是有一定道理的。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E從保障來看：\u003C\u002Fstrong\u003E加費(fèi)并沒有讓保障短斤缺兩，該保的都保。相比除外承保，加費(fèi)確實(shí)是更有利的。\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E從長遠(yuǎn)來看：\u003C\u002Fstrong\u003E加費(fèi)說明你的身體出現(xiàn)了一些不可忽視的風(fēng)險(xiǎn)，如果現(xiàn)在不考慮投保，一旦病情有加重的跡象，后期甚至有可能被延期或拒保。\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E因此，如果加費(fèi)額度在預(yù)算范圍內(nèi)，深藍(lán)君還是建議大家能保就保，畢竟獲得保障才是第一位的。\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E三、被除外承保，還要買保險(xiǎn)？\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E由于身體異常，除加費(fèi)外，另一種常見核保結(jié)論就是：\u003Cstrong\u003E除外承保\u003C\u002Fstrong\u003E。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E保險(xiǎn)公司考慮到某種疾病的風(fēng)險(xiǎn)較高，所以將相關(guān)的保障排除在外，但保費(fèi)和正常承保是一樣的。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E1、被除外了，這份保險(xiǎn)還要嗎？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E如果你已經(jīng)投保過多家保險(xiǎn)公司，找不到更好的核保結(jié)論了，那么個(gè)人建議你接受現(xiàn)實(shí)。至少在當(dāng)下，這是最合適的選擇了。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E其實(shí)有時(shí)候，即使有些疾病被除外了，我們自己也是可以承受的。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E以甲狀腺結(jié)節(jié)投保重疾險(xiǎn)為例，絕大多數(shù)公司都是除外甲狀腺癌。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E但甲狀腺癌又被稱為“喜癌”，5 年生存率接近 90%，患者大多數(shù)無需放化療，只要?jiǎng)觽€(gè)小手術(shù)切除，加上后期吃藥就可以像普通人一樣生活。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514192985101.png\" title=\"6.png\" alt=\"6.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E去年，深藍(lán)君有一位朋友也不幸患上了甲狀腺癌。整個(gè)治療過程下來，\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F231992\" target=\"_blank\"\u003E社保報(bào)銷\u003C\u002Fa\u003E了一大部分，最后自己只付了幾千塊錢\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002Fz9PUUXWQWCGg8CPnOWrWgw\" target=\"_blank\"\u003E（點(diǎn)擊了解）\u003C\u002Fa\u003E。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E所以這種情況就算被除外了，影響也不會(huì)太大。\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F323900\" target=\"_blank\"\u003E保險(xiǎn)的作用\u003C\u002Fa\u003E，主要還是保障我們無法承受的風(fēng)險(xiǎn)。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E另一方面，我也看到很多被除外的朋友，更加注重保健和每年體檢了。疾病“早發(fā)現(xiàn)，早治療”，也未嘗不是一件好事。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E2、加費(fèi) or 除外，應(yīng)該選哪個(gè)？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E還有的朋友會(huì)遇到，同一疾病在不同保險(xiǎn)公司，有的加費(fèi)，有的除外，這種情況又該如何選擇呢？\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E舉個(gè)例子，A 同學(xué)、B 同學(xué)都有乙肝大三陽，都同時(shí)投保了 C 公司、D 公司的重疾險(xiǎn)。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E兩家公司的核保政策如下：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003EC 公司：\u003C\u002Fstrong\u003E對(duì)大三陽除外肝癌責(zé)任，每年保費(fèi) 1 萬\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003ED 公司：\u003C\u002Fstrong\u003E對(duì)大三陽加費(fèi) 50% 承保，每年保費(fèi) 1.5 萬\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E對(duì)于同樣的疾病，兩家保險(xiǎn)公司給出了不同的核保結(jié)論，那么兩位同學(xué)又會(huì)如何選擇？\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E預(yù)算充足的小 A：\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E大三陽這件事困擾了小 A 二十幾年，肝癌正是他最擔(dān)心的問題，如果將肝癌除外他是無法接受的。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E考慮到加費(fèi)后仍在預(yù)算范圍內(nèi)，于是就選擇了加費(fèi)承保，日后即便得了肝癌，保險(xiǎn)公司也是要賠的。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514193835701.png\" title=\"7.png\" alt=\"7.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E預(yù)算不足的小 B：\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E在小 B 看來，加費(fèi) 50%已嚴(yán)重超出預(yù)算，而且他對(duì)這個(gè)病比較樂觀。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E在看他來，乙肝也未必會(huì)變成肝癌，只要自己控制得當(dāng)就沒什么問題，于是坦然選擇了除外承保。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E因此，選擇加費(fèi)還是除外，沒有標(biāo)準(zhǔn)答案，具體還是看個(gè)人的選擇，并沒有對(duì)錯(cuò)之分。\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E四、如何爭取更好的核保結(jié)論？\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E有人聽說身邊的朋友因某種疾病被拒保，心里就非常擔(dān)憂：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E深藍(lán)君，去年我一個(gè)同事因?yàn)槿橄俳Y(jié)節(jié)被拒保了，這次體檢我也查出結(jié)節(jié)，怎么辦？也不能買保險(xiǎn)了嗎？\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E其實(shí)大家不需要太悲觀，因?yàn)榫退闶峭环N疾病，核保結(jié)論也很可能完全不同。具體表現(xiàn)在如下兩點(diǎn)：\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E1、不同疾病程度，核保結(jié)論不同\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E以乳腺結(jié)節(jié)為例，很多醫(yī)院乳腺B超都會(huì)顯示 BI-RADS 分級(jí)，這是一套判斷結(jié)節(jié)良惡性的標(biāo)準(zhǔn)。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E各種分級(jí)的意義如下：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E1 級(jí)：\u003C\u002Fstrong\u003E正常乳腺，未發(fā)現(xiàn)異常病變\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E2 級(jí)：\u003C\u002Fstrong\u003E良性病變，基本排除惡性，定期復(fù)查即可\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E3 級(jí)：\u003C\u002Fstrong\u003E可能是良性病變，惡性率一般 <2% ，建議每 3-6 個(gè)月復(fù)查\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E4 級(jí)：\u003C\u002Fstrong\u003E可疑惡性病變，惡性率 2-95%\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E5 級(jí)：\u003C\u002Fstrong\u003E高度可能惡性，可能性大于 95%\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E6 級(jí)：\u003C\u002Fstrong\u003E已活檢，證實(shí)為惡性\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514194828201.png\" title=\"8.png\" alt=\"8.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E根據(jù)不同的分級(jí)，通常又有不同的核保結(jié)論。以某款重疾險(xiǎn)為例：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E0 - 2 級(jí)：\u003C\u002Fstrong\u003E正常承保\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E3 級(jí)：\u003C\u002Fstrong\u003E除外乳腺癌責(zé)任\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E4 級(jí)或以上：\u003C\u002Fstrong\u003E拒保\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E也就是說，同樣都是乳腺結(jié)節(jié)，有人可能拒保，有人卻可以正常承保。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E所以有某些疾病也無需太過擔(dān)憂，明確疾病程度，如實(shí)告知就好，剩下的就留給保險(xiǎn)公司來判斷吧。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E2、不同保險(xiǎn)公司，核保結(jié)論不同\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E雖然保險(xiǎn)公司是經(jīng)營風(fēng)險(xiǎn)的機(jī)構(gòu)，然而不同公司的核保標(biāo)準(zhǔn)并不完全一致。這里列舉幾款線上產(chǎn)品的核保結(jié)論：\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514195877701.jpg\" title=\"9.jpg\" alt=\"9.jpg\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E從上面從列出的幾種常見病來看，\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F118120617490490201\" target=\"_blank\" class=\"pingce\"\u003E康惠保旗艦版\u003C\u002Fa\u003E、弘康健 A 的核保結(jié)論是相對(duì)寬松的，但想要“正常承?！?，還要滿足不少條件。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E以患有甲狀腺結(jié)節(jié)，投保康惠保旗艦版為例，需要提供半年內(nèi)的超聲報(bào)告，并且報(bào)告內(nèi)沒有以下 7 種異常：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E（1）低回聲結(jié)節(jié)；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（2）結(jié)節(jié)直徑>10mm；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（3）結(jié)節(jié)邊緣不規(guī)則邊界不清楚；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（4）結(jié)節(jié)內(nèi)血供豐富，血流紊亂；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（5）頸部淋巴結(jié)腫大；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（6）節(jié)內(nèi)微小鈣化；\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E（7）報(bào)告提及“建議?？泼鞔_診斷”\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E如果有上面提到的任何一個(gè)異常，那就不能正常承保了。雖然嚴(yán)格，但至少給了大家一些希望，從這個(gè)角度來說也是很不錯(cuò)的。\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514200843401.jpg\" title=\"10.jpg\" alt=\"10.jpg\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E結(jié)合以上兩點(diǎn)，為了獲得更好的核保結(jié)論，我建議大家做好下面四點(diǎn)：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E① 積極配合，收集資料\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E一旦開始投保就要積極配合保險(xiǎn)公司收集資料，避免因?yàn)橘Y料不完整，保險(xiǎn)公司無法判斷風(fēng)險(xiǎn)，從而導(dǎo)致被延期。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E② 明確病情，如實(shí)告知\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E比如甲狀腺、乳腺結(jié)節(jié)，保險(xiǎn)公司都要參考最新的超聲檢查報(bào)告，才能給出核保結(jié)論。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E如果已經(jīng)手術(shù)切除，并且確診結(jié)節(jié)是良性，就更有可能獲得“正常承保”。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514201649601.jpg\" title=\"11.jpg\" alt=\"11.jpg\"\u002F\u003E\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E③ 慢性疾病，調(diào)節(jié)再買\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E一些慢性?。ū热纾篭u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002FIrwB2ZfCtyOT74mWC_BsHw\" target=\"_blank\"\u003E高血壓\u003C\u002Fa\u003E、\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002F5r5wHBRjArIfcL0-ltlE9Q\" target=\"_blank\"\u003E高血糖\u003C\u002Fa\u003E、\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002FnklwQ7TI11bdRFhtnIYMbA\" target=\"_blank\"\u003E肥胖\u003C\u002Fa\u003E等），建議調(diào)理到一個(gè)穩(wěn)定水平之后再投保。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E如果有按時(shí)服藥、定期復(fù)查等，也請務(wù)必告訴保險(xiǎn)公司，這樣才有利于作出更優(yōu)的核保結(jié)論。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E④ 多家投保，擇優(yōu)選擇\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E不論線上線下，可以選擇多家保險(xiǎn)公司投保，選擇最優(yōu)的核保結(jié)論，選擇對(duì)自己最有利的情況。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E這就是深藍(lán)君給到的幾點(diǎn)務(wù)實(shí)建議，我在\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002FzdoUMhcIW8f6fA1NK18AQw\" target=\"_blank\"\u003E《如何快速帶病投保？》\u003C\u002Fa\u003E，也有一些實(shí)操的辦法，可以查看具體詳情。\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E五、關(guān)于核保的常見疑問\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E核保是一件很專業(yè)的事情，作為消費(fèi)者，常常會(huì)因?yàn)椴涣私舛a(chǎn)生各種各樣的疑問。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E疑問 1：醫(yī)生說沒事，憑啥要加費(fèi)？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E很多朋友都給深藍(lán)君反饋，明明醫(yī)生說了沒事，保險(xiǎn)公司卻要加費(fèi)或除外，這不是小題大做么？\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E我們來看看兩者之間的差異：\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cul class=\" list-paddingleft-2\" style=\"list-style-type: disc;\"\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E醫(yī)生的做法：\u003C\u002Fstrong\u003E主要關(guān)注當(dāng)前是否需要治療，如果對(duì)正常的工作和生活沒什么影響，那就問題不大。如果病情有變化，建議隨時(shí)來復(fù)診。\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003Cli\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E核保的做法：\u003C\u002Fstrong\u003E更加關(guān)注未來會(huì)不會(huì)有風(fēng)險(xiǎn)，以及出險(xiǎn)的概率有多大。核保結(jié)論決定后，一般無法修改，客戶發(fā)生健康變化也無需告訴保險(xiǎn)公司。\u003C\u002Fp\u003E\u003C\u002Fli\u003E\u003C\u002Ful\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E簡單來說，醫(yī)生看重當(dāng)下，核保員注重未來。醫(yī)生與核保看問題的角度不同，結(jié)論自然也不一樣。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E\u003Cstrong\u003E疑問 2：保費(fèi)都倒掛了，還買不買？\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E保費(fèi)倒掛，就是自己交的總保費(fèi) ，已經(jīng)超過了保額，說明保險(xiǎn)的杠桿不高。那么，這種情況還要買嗎？\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514202498001.jpg\" title=\"12.jpg\" alt=\"12.jpg\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E首先，自己交的錢比保險(xiǎn)公司賠的還要多，換了任何人心里都不好受，體驗(yàn)肯定不好。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E但是再仔細(xì)想一下，\u003Cstrong\u003E“保費(fèi)倒掛”是交完費(fèi)后總保費(fèi)才超過保額。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E在幾十年的繳費(fèi)期內(nèi)，一般保額還是大于保費(fèi)的，還會(huì)有一些保障杠桿。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E而且，目前有很多重疾險(xiǎn)都可以多次賠付。如果真的不幸患上兩次重疾，保險(xiǎn)還能再賠一次 30 萬，杠桿就進(jìn)一步提高了。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E總的來說，由于我們無法預(yù)知未來會(huì)不會(huì)患病，什么時(shí)候患病，所以也無法算清楚劃不劃算。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E因此，具體到底買不買，還是要看個(gè)人選擇，同樣沒有標(biāo)準(zhǔn)答案。\u003C\u002Fp\u003E\u003Ch2 style=\"text-align: justify;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E六、寫在最后\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\u003Cp style=\"text-align: justify;\"\u003E今天深藍(lán)君重點(diǎn)分享了保險(xiǎn)核保的原理，以及被加費(fèi)或者除外的投保思路。我們希望能把那些晦澀難懂的術(shù)語，通俗易懂地說給你聽。\u003C\u002Fp\u003E\u003Cp style=\"text-align:center\"\u003E\u003Cimg src=\"http:\u002F\u002Ffile.shenlanbao.com\u002F2020\u002F01\u002F15\u002F120011514203386801.png\" title=\"13.png\" alt=\"13.png\"\u002F\u003E\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E身體健康，可能是別人求著你買保險(xiǎn)，但如果身體存在異常，那么就是自己求著保險(xiǎn)公司了。\u003C\u002Fp\u003E\u003Cblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E不過大家也不用過分擔(dān)心，任何事情都是有解決辦法的，在\u003Ca href=\"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002FzdoUMhcIW8f6fA1NK18AQw\" target=\"_blank\"\u003E《如何快速帶病投保？》\u003C\u002Fa\u003E一文中，我們也分享過實(shí)操的辦法。\u003C\u002Fp\u003E\u003C\u002Fblockquote\u003E\u003Cp style=\"text-align: justify;\"\u003E盡人事聽天命，世上沒有什么十全十美，根據(jù)實(shí)際情況做好自己能做的，就已經(jīng)很好了。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E希望今天的文章對(duì)你有用，也歡迎分享給有需要的朋友。\u003C\u002Fp\u003E\u003Cp style=\"text-align: justify;\"\u003E你的支持，是我繼續(xù)下去的動(dòng)力：）\u003C\u002Fp\u003E\u003Cp style=\"text-align: center;\"\u003E\u003C\u002Fp\u003E\u003C\u002Fsection\u003E\u003Cp\u003E\u003Cbr\u002F\u003E\u003C\u002Fp\u003E",createTime:aA,view:4841,title:A,cover:"http:\u002F\u002Ffile.shenlanbao.com\u002F2019\u002F01\u002F26\u002F119012610035677502.png",intro:aB,likesCount:b,preArticle:{id:"119012117300289601",title:"2019最新三十款老年人意外險(xiǎn)分析，60歲70歲老人怎么選？"},nextArticle:{id:"119012314451879701",title:"為什么保險(xiǎn)是一個(gè)組合？買保險(xiǎn)一拖再拖，到底有哪些危害？"},tags:[{id:"119012610040983701",name:aC,articleCount:b,often:v},{id:"119012610040985101",name:aD,articleCount:b,often:v},{id:"119012610040986401",name:aE,articleCount:b,often:v},{id:"118082411590852901",name:aF,articleCount:b,often:v}],publishTime:"2019-01-22 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