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el-icon-close"></i></button></div></div></div></div></div> <h1 class="title" data-v-379d4c44>自己交醫(yī)保太貴了？這樣能省幾千塊?。ǜ綄嵱梅桨福?/h1> <div id="wgseowc" class="description" data-v-379d4c44><div id="kuuysqw" class="description_left" data-v-379d4c44><img src="https://static1.shenlanbao.com/zhishi-static/img/38c13d6.svg" alt data-v-379d4c44> <div id="wyscwmc" class="nameAndTime" data-v-379d4c44><div id="keqseuq" class="comName" data-v-379d4c44>原創(chuàng)：深藍(lán)保</div> <div id="mwskwmi" class="lookTime" data-v-379d4c44><time datetime="2024-03-11 17:26:29" title="2024-03-11 17:26:29" data-v-379d4c44> 2024-03-11 <span id="wysciqo" class="overf" data-v-379d4c44>2024-03-11 17:26:29</span></time></div></div></div> <div id="ueiumms" class="description_right" data-v-379d4c44><div id="iuwqsay" class="view" data-v-379d4c44><i class="iconfont icon_eye" data-v-379d4c44></i> <span data-v-379d4c44>1333</span></div></div></div> <div class="sswgsyo" id="zhinanLinkContains" class="contains" data-v-379d4c44><div id="ewqmqqw" class="rich-text-parse underline-a" data-v-379d4c44><section class="article135" data-role="outer"> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">網(wǎng)上很多朋友在吐槽，<strong>社保繳費又漲了，自己交社保壓力太大了！</strong></span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">金女士也有一樣的感受，她目前的收入不太穩(wěn)定，<strong>每年僅醫(yī)保就要交近 5500 元，感覺太貴了。不交醫(yī)保，又害怕生病要花大錢</strong>。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">在聽說<a href="http://www.longbiao56.com/" target="_blank">保險</a>也能報醫(yī)療費后，她找到我們，想了解一下有沒有省錢的方式。</span></p> <h2 style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 18px;">一、<span style="caret-color: red;">交<a href="http://www.longbiao56.com/zhinan/789162876463726592" target="_blank">靈活就業(yè)醫(yī)保</a>壓力大，</span><span style="caret-color: red;">如何才能省錢？</span></span></h2> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">靈活就業(yè)醫(yī)保其實就是職工醫(yī)保的一種，之所以費用貴，是因為自己要承擔(dān)公司和個人的兩個部分。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">以深圳為例，每個月醫(yī)保的費用是 453.25 元，一年下來，五千多塊錢。對于經(jīng)濟緊張的朋友來說，壓力不小。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">考慮到靈活就業(yè)醫(yī)保價格太貴，金女士也想過交老家的新農(nóng)合來省錢，但新<a href="http://www.longbiao56.com/zhuanti/801" target="_blank">農(nóng)合報銷比例</a>較低，異地住院報得就更少了，遇到生病住院的情況自己要掏很多錢。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">在了解到她的顧慮后，我們建議她可以<strong>利用<a href="http://www.longbiao56.com/pingce/120021016585641801" target="_blank" class="pingce">百萬醫(yī)療險</a></strong>來解決這個困擾，無論交的靈活就業(yè)醫(yī)保還是新農(nóng)合，都可以按有醫(yī)保去買百萬醫(yī)療險，報銷時也是一樣扣除免賠額后 100% 報。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">這里舉個例子方便大家理解，<strong>以住院花費 30 萬為例，其中有 10 萬社保外費用：</strong></span></p> <section> <section class="_135editor" data-role="list"> <ul class="list-paddingleft-2" style="margin: 0px; padding: 0px 0px 0px 30px; list-style-position: outside;"> <li> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;"><strong>新農(nóng)合：</strong>異地住院報銷比例一般在 60% 左右，能報 12 萬，扣除 1 萬免賠額，剩下的 17 萬可以通過百萬醫(yī)療險解決。</span></p> </li> <li> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;"><strong>靈活就業(yè)醫(yī)保</strong>：一般住院報銷比例在 85% 左右，能報 17 萬，扣除 1 萬免賠額，剩下的 12 萬能通過百萬醫(yī)療險解決。</span></p> </li> </ul> </section> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">可以發(fā)現(xiàn)，只要先報醫(yī)保，無論是新農(nóng)合還是靈活就業(yè)醫(yī)保，百萬醫(yī)療險在報銷上都是一視同仁的。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">對于金女士這樣的情況，我們建議她可以先買份有社保的百萬醫(yī)療險，繼續(xù)交靈活就業(yè)醫(yī)保，等年末交老家新農(nóng)合時，再停交靈活就業(yè)醫(yī)保即可。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">考慮到老家的新農(nóng)合一般不保異地門診，而意外事故也較為高發(fā)，<strong>建議最好再搭配一份不用社保也能報銷得多的意外險，一年只要一百多元。</strong></span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">弄清楚金女士的需求后，我們詳細(xì)了解了她的年齡、健康、職業(yè)等情況，為她設(shè)計最終的方案。</span></p> <h2 style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 18px;">二、<span style="caret-color: red;">兩千出頭，保障超全面！</span></span></h2> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">?百萬醫(yī)療險和意外險的價格只要幾百元，已經(jīng)能轉(zhuǎn)移生活中大多數(shù)的風(fēng)險，但如果想要保障全面，預(yù)算夠可以再配齊以下兩個險種：</span></p> <section> <section class="_135editor" data-role="list"> <ul class="list-paddingleft-2" style="margin: 0px; padding: 0px 0px 0px 30px; list-style-position: outside;"> <li> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;"><strong>重疾險：</strong>不幸患大病能按保額賠錢，這筆錢可自由支配，彌補患病期間的收入損失。</span></p> </li> <li> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;"><strong>定期壽險</strong>：萬一不幸因意外或疾病去世，會賠一筆錢給家人，讓他們的生活能有保障。</span></p> </li> </ul> </section> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">如果想要性價比高，可以縮短以上兩個險種的保障期限，只用多一千多元也能買到合適的產(chǎn)品。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">一起來看看具體的方案：</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><img style="vertical-align: inherit;" src="https://file.shenlanbao.com/2024/03/11/1767118650439446528/image - 2024-03-11T171913.012.png" alt="圖片" width="1080" height="563" data-backh="301" data-backw="578" data-imgfileid="100147385" data-s="300,640" data-type="png" data-original-style="width: 100%;height: auto;" data-index="4" data-fail="0" data-ratio="0.5212962962962963" data-w="1080" /></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">以上是我們根據(jù)金女士的需求設(shè)計的方案，如果你也想根據(jù)具體情況定制專屬方案，可以<strong>點擊文末卡片</strong>。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">下面我們根據(jù)來看看具體產(chǎn)品搭配。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><strong><span style="font-size: 16px;">1、預(yù)算有限：百萬醫(yī)療險+意外險</span></strong></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">金女士打算買份<strong>有醫(yī)保的百萬醫(yī)療險，她的靈活就業(yè)醫(yī)保等年末時會先換成老家的新農(nóng)合。</strong></span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">有藍(lán)醫(yī)保百萬醫(yī)療險后，不幸因意外或疾病住院，醫(yī)療費可先用<a href="http://www.longbiao56.com/wenda/4-8066" target="_blank">醫(yī)保報銷</a>，扣除免賠額之后的醫(yī)療費會按 100% 報銷，不用擔(dān)心看不起?。欢覠o論是否理賠過，它 20 年內(nèi)都能保證續(xù)保。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">我們給她挑選的<strong><a href="http://www.longbiao56.com/pingce/1070029539929124864" target="_blank" class="pingce">專心成人意外險</a> 2023（尊貴版）</strong>很適合她，即使她老家新農(nóng)合不報銷門診，對于意外導(dǎo)致的醫(yī)療費也能 90% 報銷，而且不限社保，5 萬的保額也夠用了。</span></p> <div class="oimwaio" id="richTextCard"> <div id="gysuoom" class="card-wrap" style="box-sizing: border-box; display: flex; align-items: center; width: 700px; height: 122px; padding: 16px; margin: 20px auto; background: #F6F7F7; border-radius: 10px;"> <div id="swykuca" class="card-wrap-left" style="flex-shrink: 0; margin-right: 16px; width: 90px; height: 90px;"><img class="product-cover" style="width: 100%; height: 100%; background: #fff; border-radius: 8px;" src="https://file.shenlanbao.com/2023/05/04/1654018056325361664/男人1.png" /></div> <div id="yiugqoo" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="yamouka" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">專心<a href="http://www.longbiao56.com/pingce/119082011393180401" target="_blank" class="pingce">成人意外險</a>2023</div> <div id="gqsmyec" class="product-info" style="display: flex; align-items: center; height: 18px; line-height: 18px; font-size: 14px; color: #999999;"><img class="company-icon" style="width: 16px; height: 16px; margin-right: 4px;" src="https://file.shenlanbao.com/2021/12/21/file/icon_company_grey.svg" /> <div id="ywkmgec" class="company-name">太平財險</div> <div id="owismma" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="ggacygu" class="ins-type">意外險</div> </div> <div id="mgicoma" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="ccoyaai" class="feature-item" style="box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;"><img style="width: 12px; height: 12px; margin-right: 8px;" src="https://file.shenlanbao.com/2021/12/27/file/icon_checkbox_blue.svg" /> <div style="white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;">意外醫(yī)療最高10萬</div> </div> <div id="qkeysqo" class="feature-item" style="box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;"><img style="width: 12px; height: 12px; margin-right: 8px;" src="https://file.shenlanbao.com/2021/12/27/file/icon_checkbox_blue.svg" /> <div style="white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;">含猝死保障</div> </div> </div> </div> <div id="iueikqg" class="card-wrap-right" style="flex-shrink: 0; margin-left: 36px;"><a class="richTextBtn" style="display: flex; justify-content: center; align-items: center; width: 80px; height: 32px; font-size: 14px; color: #ffffff; background: #F5A926; border-radius: 16px; text-decoration: none;" href="http://www.longbiao56.com/pingce/1070029539929124864" target="_blank" rel="noopener"> 查看測評</a></div> </div> </div> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">等金女士年底交新農(nóng)合后，壓力會小一些，如果想要保障更全面，建議年底時可以配齊以下保障。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><strong><span style="font-size: 16px;">2、預(yù)算足夠：重疾險+定期壽險</span></strong></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">在前面的基礎(chǔ)上，搭配一份<strong><a href="http://www.longbiao56.com/pingce/925349499994537984" target="_blank" class="pingce">達爾文</a> 8 號</strong>重疾險，保障會更好。我們選的是 30 萬保額保到 60 歲只要 1 千多元，萬一不幸生重病，會賠 30 萬，這筆錢和醫(yī)療險不會有沖突。</span></p> <div class="ugquemu" id="richTextCard"> <div id="oikmioe" class="card-wrap" style="box-sizing: border-box; display: flex; align-items: center; width: 700px; height: 122px; padding: 16px; margin: 20px auto; background: #F6F7F7; border-radius: 10px;"> <div id="ysmoaym" class="card-wrap-left" style="flex-shrink: 0; margin-right: 16px; width: 90px; height: 90px;"><img class="product-cover" style="width: 100%; height: 100%; background: #fff; border-radius: 8px;" src="https://file.shenlanbao.com/2023/12/06/1732306999848808448/女人1.png" /></div> <div id="qamwsye" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="kugacqg" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">達爾文8號</div> <div id="eoquyye" class="product-info" style="display: flex; align-items: center; height: 18px; line-height: 18px; font-size: 14px; color: #999999;"><img class="company-icon" style="width: 16px; height: 16px; margin-right: 4px;" src="https://file.shenlanbao.com/2021/12/21/file/icon_company_grey.svg" /> <div id="uoikwkc" class="company-name">瑞華健康</div> <div id="qqcoyww" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="qicgyyo" class="ins-type">重疾險</div> </div> <div id="wgcmqqe" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="ooaeyye" class="feature-item" style="box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;"><img style="width: 12px; height: 12px; margin-right: 8px;" src="https://file.shenlanbao.com/2021/12/27/file/icon_checkbox_blue.svg" /> <div style="white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;">可選疾病額外賠</div> </div> <div id="smgacsi" class="feature-item" style="box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;"><img style="width: 12px; height: 12px; margin-right: 8px;" src="https://file.shenlanbao.com/2021/12/27/file/icon_checkbox_blue.svg" /> <div style="white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;">可選責(zé)任豐富</div> </div> </div> </div> <div id="eykcemc" class="card-wrap-right" style="flex-shrink: 0; margin-left: 36px;"><a class="richTextBtn" style="display: flex; justify-content: center; align-items: center; width: 80px; height: 32px; font-size: 14px; color: #ffffff; background: #F5A926; border-radius: 16px; text-decoration: none;" href="http://www.longbiao56.com/pingce/1179100267501715456" target="_blank" rel="noopener"> 查看測評</a></div> </div> </div> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">由于金女士是獨生子女，可以再配置一份兩三百元的臻愛 2023 定期壽險，萬一不幸去世，會賠給家人 50 萬，讓他們生活有保障。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">這樣搭配好，其實保費總價只要 2 千出頭，就能非常全面，金女士也很認(rèn)可。</span></p> <h2 style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 18px;">三、<span style="caret-color: red;">寫在最后</span></span></h2> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">這幾年發(fā)生了太多意料之外的事情，也讓許多朋友意識到，生活中有太多不可控的事情。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">而提前配置好保險，能給我們在不確定的未來中，多一分篤定和底氣。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">愿我們都能天黑有燈，下雨有傘。</span></p> <p style="margin-bottom: 10px; line-height: 2em;"><span style="font-size: 16px;">如果你也想給自己和家人配置適合的方案，可以<strong>點擊下方卡片</strong>聯(lián)系我們，有專人一對一服務(wù)。</span></p> </section> </section> </section></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="gakmsaa" class="tipBox" data-v-23a2d970 data-v-379d4c44><a href="/tags/醫(yī)保" class="tips" data-v-23a2d970><div id="cmgkess" class="item_img" data-v-23a2d970></div> <div id="yqswywm" class="item_text" data-v-23a2d970>醫(yī)保</div></a></div> <div class="eikmgmc" id="lastBox" class="lastBox" data-v-379d4c44><div id="oqkmous" class="preAndNext" data-v-767ee2df data-v-379d4c44><div data-v-767ee2df><span id="mqakwuc" class="go" data-v-767ee2df>上一篇</span> <a href="/zhinan/1767117861441421312" data-v-767ee2df><span data-v-767ee2df>別糾結(jié)了！爸媽身體不好，惠民保和防癌醫(yī)療險，就這么選</span></a></div> <div data-v-767ee2df><span 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src="data:image/svg+xml;base64,PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4KPHN2ZyB3aWR0aD0iMTZweCIgaGVpZ2h0PSIxNnB4IiB2aWV3Qm94PSIwIDAgMTYgMTYiIHZlcnNpb249IjEuMSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIiB4bWxuczp4bGluaz0iaHR0cDovL3d3dy53My5vcmcvMTk5OS94bGluayI+CiAgICA8dGl0bGU+aWNvbl90aW1lPC90aXRsZT4KICAgIDxnIGlkPSJpY29uX3RpbWUiIHN0cm9rZT0ibm9uZSIgc3Ryb2tlLXdpZHRoPSIxIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPgogICAgICAgIDxnIHRyYW5zZm9ybT0idHJhbnNsYXRlKDEuNTAwMDAwLCAxLjUwMDAwMCkiPgogICAgICAgICAgICA8ZyBpZD0i57yW57uELTciIHRyYW5zZm9ybT0idHJhbnNsYXRlKDUuNTAwMDAwLCAzLjAwMDAwMCkiIGZpbGw9IiNBQkFCQUIiPgogICAgICAgICAgICAgICAgPHJlY3QgaWQ9IuefqeW9oiIgeD0iMCIgeT0iMC41IiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgICAgICA8cmVjdCBpZD0i55+p5b2iIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgyLjAwMDAwMCwgNC4wMDAwMDApIHNjYWxlKC0xLCAxKSByb3RhdGUoOTAuMDAwMDAwKSB0cmFuc2xhdGUoLTIuMDAwMDAwLCAtNC4wMDAwMDApICIgeD0iMS41IiB5PSIyIiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgIDwvZz4KICAgICAgICAgICAgPGNpcmNsZSBpZD0i5qSt5ZyG5b2iIiBzdHJva2U9IiNBQkFCQUIiIGN4PSI2LjUiIGN5PSI2LjUiIHI9IjYiPjwvY2lyY2xlPgogICAgICAgIDwvZz4KICAgIDwvZz4KPC9zdmc+" 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src="data:image/svg+xml;base64,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" 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src="data:image/svg+xml;base64,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" 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class=\"article135\" data-role=\"outer\"\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E網(wǎng)上很多朋友在吐槽，\u003Cstrong\u003E社保繳費又漲了，自己交社保壓力太大了！\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E金女士也有一樣的感受，她目前的收入不太穩(wěn)定，\u003Cstrong\u003E每年僅醫(yī)保就要交近 5500 元，感覺太貴了。不交醫(yī)保，又害怕生病要花大錢\u003C\u002Fstrong\u003E。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E在聽說\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002F\" target=\"_blank\"\u003E保險\u003C\u002Fa\u003E也能報醫(yī)療費后，她找到我們，想了解一下有沒有省錢的方式。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E一、\u003Cspan style=\"caret-color: red;\"\u003E交\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhinan\u002F789162876463726592\" target=\"_blank\"\u003E靈活就業(yè)醫(yī)保\u003C\u002Fa\u003E壓力大，\u003C\u002Fspan\u003E\u003Cspan style=\"caret-color: red;\"\u003E如何才能省錢？\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E靈活就業(yè)醫(yī)保其實就是職工醫(yī)保的一種，之所以費用貴，是因為自己要承擔(dān)公司和個人的兩個部分。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以深圳為例，每個月醫(yī)保的費用是 453.25 元，一年下來，五千多塊錢。對于經(jīng)濟緊張的朋友來說，壓力不小。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E考慮到靈活就業(yè)醫(yī)保價格太貴，金女士也想過交老家的新農(nóng)合來省錢，但新\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhuanti\u002F801\" target=\"_blank\"\u003E農(nóng)合報銷比例\u003C\u002Fa\u003E較低，異地住院報得就更少了，遇到生病住院的情況自己要掏很多錢。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E在了解到她的顧慮后，我們建議她可以\u003Cstrong\u003E利用\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F120021016585641801\" target=\"_blank\" class=\"pingce\"\u003E百萬醫(yī)療險\u003C\u002Fa\u003E\u003C\u002Fstrong\u003E來解決這個困擾，無論交的靈活就業(yè)醫(yī)保還是新農(nóng)合，都可以按有醫(yī)保去買百萬醫(yī)療險，報銷時也是一樣扣除免賠額后 100% 報。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這里舉個例子方便大家理解，\u003Cstrong\u003E以住院花費 30 萬為例，其中有 10 萬社保外費用：\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Csection\u003E\n\u003Csection class=\"_135editor\" data-role=\"list\"\u003E\n\u003Cul class=\"list-paddingleft-2\" style=\"margin: 0px; padding: 0px 0px 0px 30px; list-style-position: outside;\"\u003E\n\u003Cli\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E新農(nóng)合：\u003C\u002Fstrong\u003E異地住院報銷比例一般在 60% 左右，能報 12 萬，扣除 1 萬免賠額，剩下的 17 萬可以通過百萬醫(yī)療險解決。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fli\u003E\n\u003Cli\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E靈活就業(yè)醫(yī)保\u003C\u002Fstrong\u003E：一般住院報銷比例在 85% 左右，能報 17 萬，扣除 1 萬免賠額，剩下的 12 萬能通過百萬醫(yī)療險解決。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003C\u002Fsection\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E可以發(fā)現(xiàn)，只要先報醫(yī)保，無論是新農(nóng)合還是靈活就業(yè)醫(yī)保，百萬醫(yī)療險在報銷上都是一視同仁的。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E對于金女士這樣的情況，我們建議她可以先買份有社保的百萬醫(yī)療險，繼續(xù)交靈活就業(yè)醫(yī)保，等年末交老家新農(nóng)合時，再停交靈活就業(yè)醫(yī)保即可。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E考慮到老家的新農(nóng)合一般不保異地門診，而意外事故也較為高發(fā)，\u003Cstrong\u003E建議最好再搭配一份不用社保也能報銷得多的意外險，一年只要一百多元。\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E弄清楚金女士的需求后，我們詳細(xì)了解了她的年齡、健康、職業(yè)等情況，為她設(shè)計最終的方案。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E二、\u003Cspan style=\"caret-color: red;\"\u003E兩千出頭，保障超全面！\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E?百萬醫(yī)療險和意外險的價格只要幾百元，已經(jīng)能轉(zhuǎn)移生活中大多數(shù)的風(fēng)險，但如果想要保障全面，預(yù)算夠可以再配齊以下兩個險種：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Csection\u003E\n\u003Csection class=\"_135editor\" data-role=\"list\"\u003E\n\u003Cul class=\"list-paddingleft-2\" style=\"margin: 0px; padding: 0px 0px 0px 30px; list-style-position: outside;\"\u003E\n\u003Cli\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E重疾險：\u003C\u002Fstrong\u003E不幸患大病能按保額賠錢，這筆錢可自由支配，彌補患病期間的收入損失。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fli\u003E\n\u003Cli\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E定期壽險\u003C\u002Fstrong\u003E：萬一不幸因意外或疾病去世，會賠一筆錢給家人，讓他們的生活能有保障。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003C\u002Fsection\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果想要性價比高，可以縮短以上兩個險種的保障期限，只用多一千多元也能買到合適的產(chǎn)品。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E一起來看看具體的方案：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cimg style=\"vertical-align: inherit;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2024\u002F03\u002F11\u002F1767118650439446528\u002Fimage - 2024-03-11T171913.012.png\" alt=\"圖片\" width=\"1080\" height=\"563\" data-backh=\"301\" data-backw=\"578\" data-imgfileid=\"100147385\" data-s=\"300,640\" data-type=\"png\" data-original-style=\"width: 100%;height: auto;\" data-index=\"4\" data-fail=\"0\" data-ratio=\"0.5212962962962963\" data-w=\"1080\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上是我們根據(jù)金女士的需求設(shè)計的方案，如果你也想根據(jù)具體情況定制專屬方案，可以\u003Cstrong\u003E點擊文末卡片\u003C\u002Fstrong\u003E。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E下面我們根據(jù)來看看具體產(chǎn)品搭配。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cstrong\u003E\u003Cspan style=\"font-size: 16px;\"\u003E1、預(yù)算有限：百萬醫(yī)療險+意外險\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E金女士打算買份\u003Cstrong\u003E有醫(yī)保的百萬醫(yī)療險，她的靈活就業(yè)醫(yī)保等年末時會先換成老家的新農(nóng)合。\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E有藍(lán)醫(yī)保百萬醫(yī)療險后，不幸因意外或疾病住院，醫(yī)療費可先用\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fwenda\u002F4-8066\" target=\"_blank\"\u003E醫(yī)保報銷\u003C\u002Fa\u003E，扣除免賠額之后的醫(yī)療費會按 100% 報銷，不用擔(dān)心看不起?。欢覠o論是否理賠過，它 20 年內(nèi)都能保證續(xù)保。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我們給她挑選的\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F1070029539929124864\" target=\"_blank\" class=\"pingce\"\u003E專心成人意外險\u003C\u002Fa\u003E 2023（尊貴版）\u003C\u002Fstrong\u003E很適合她，即使她老家新農(nóng)合不報銷門診，對于意外導(dǎo)致的醫(yī)療費也能 90% 報銷，而且不限社保，5 萬的保額也夠用了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cdiv id=\"richTextCard\"\u003E\n\u003Cdiv class=\"card-wrap\" style=\"box-sizing: border-box; display: flex; align-items: center; width: 700px; height: 122px; padding: 16px; margin: 20px auto; background: #F6F7F7; border-radius: 10px;\"\u003E\n\u003Cdiv class=\"card-wrap-left\" style=\"flex-shrink: 0; margin-right: 16px; width: 90px; height: 90px;\"\u003E\u003Cimg class=\"product-cover\" style=\"width: 100%; height: 100%; background: #fff; border-radius: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2023\u002F05\u002F04\u002F1654018056325361664\u002F男人1.png\" \u002F\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"card-wrap-main\" style=\"flex: 1; font-size: 20px; overflow: hidden;\"\u003E\n\u003Cdiv class=\"product-name\" style=\"line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;\"\u003E專心\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F119082011393180401\" target=\"_blank\" class=\"pingce\"\u003E成人意外險\u003C\u002Fa\u003E2023\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"product-info\" style=\"display: flex; align-items: center; height: 18px; line-height: 18px; font-size: 14px; color: #999999;\"\u003E\u003Cimg class=\"company-icon\" style=\"width: 16px; height: 16px; margin-right: 4px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F21\u002Ffile\u002Ficon_company_grey.svg\" \u002F\u003E\n\u003Cdiv class=\"company-name\"\u003E太平財險\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"gap\" style=\"width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;\"\u003E?\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"ins-type\"\u003E意外險\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"product-feature\" style=\"display: flex; margin-top: 12px;\"\u003E\n\u003Cdiv class=\"feature-item\" style=\"box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;\"\u003E\u003Cimg style=\"width: 12px; height: 12px; margin-right: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F27\u002Ffile\u002Ficon_checkbox_blue.svg\" \u002F\u003E\n\u003Cdiv style=\"white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;\"\u003E意外醫(yī)療最高10萬\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"feature-item\" style=\"box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;\"\u003E\u003Cimg style=\"width: 12px; height: 12px; margin-right: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F27\u002Ffile\u002Ficon_checkbox_blue.svg\" \u002F\u003E\n\u003Cdiv style=\"white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;\"\u003E含猝死保障\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"card-wrap-right\" style=\"flex-shrink: 0; margin-left: 36px;\"\u003E\u003Ca class=\"richTextBtn\" style=\"display: flex; justify-content: center; align-items: center; width: 80px; height: 32px; font-size: 14px; color: #ffffff; background: #F5A926; border-radius: 16px; text-decoration: none;\" href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F1070029539929124864\" target=\"_blank\" rel=\"noopener\"\u003E 查看測評\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E等金女士年底交新農(nóng)合后，壓力會小一些，如果想要保障更全面，建議年底時可以配齊以下保障。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cstrong\u003E\u003Cspan style=\"font-size: 16px;\"\u003E2、預(yù)算足夠：重疾險+定期壽險\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E在前面的基礎(chǔ)上，搭配一份\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F925349499994537984\" target=\"_blank\" class=\"pingce\"\u003E達爾文\u003C\u002Fa\u003E 8 號\u003C\u002Fstrong\u003E重疾險，保障會更好。我們選的是 30 萬保額保到 60 歲只要 1 千多元，萬一不幸生重病，會賠 30 萬，這筆錢和醫(yī)療險不會有沖突。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cdiv id=\"richTextCard\"\u003E\n\u003Cdiv class=\"card-wrap\" style=\"box-sizing: border-box; display: flex; align-items: center; width: 700px; height: 122px; padding: 16px; margin: 20px auto; background: #F6F7F7; border-radius: 10px;\"\u003E\n\u003Cdiv class=\"card-wrap-left\" style=\"flex-shrink: 0; margin-right: 16px; width: 90px; height: 90px;\"\u003E\u003Cimg class=\"product-cover\" style=\"width: 100%; height: 100%; background: #fff; border-radius: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2023\u002F12\u002F06\u002F1732306999848808448\u002F女人1.png\" \u002F\u003E\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"card-wrap-main\" style=\"flex: 1; font-size: 20px; overflow: hidden;\"\u003E\n\u003Cdiv class=\"product-name\" style=\"line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;\"\u003E達爾文8號\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"product-info\" style=\"display: flex; align-items: center; height: 18px; line-height: 18px; font-size: 14px; color: #999999;\"\u003E\u003Cimg class=\"company-icon\" style=\"width: 16px; height: 16px; margin-right: 4px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F21\u002Ffile\u002Ficon_company_grey.svg\" \u002F\u003E\n\u003Cdiv class=\"company-name\"\u003E瑞華健康\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"gap\" style=\"width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;\"\u003E?\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"ins-type\"\u003E重疾險\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"product-feature\" style=\"display: flex; margin-top: 12px;\"\u003E\n\u003Cdiv class=\"feature-item\" style=\"box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;\"\u003E\u003Cimg style=\"width: 12px; height: 12px; margin-right: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F27\u002Ffile\u002Ficon_checkbox_blue.svg\" \u002F\u003E\n\u003Cdiv style=\"white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;\"\u003E可選疾病額外賠\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"feature-item\" style=\"box-sizing: border-box; display: flex; align-items: center; height: 28px; padding: 8px; margin-right: 10px; background: #fff; border-radius: 4px;\"\u003E\u003Cimg style=\"width: 12px; height: 12px; margin-right: 8px;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F12\u002F27\u002Ffile\u002Ficon_checkbox_blue.svg\" \u002F\u003E\n\u003Cdiv style=\"white-space: nowrap; overflow: hidden; font-size: 12px; color: #666666;\"\u003E可選責(zé)任豐富\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cdiv class=\"card-wrap-right\" style=\"flex-shrink: 0; margin-left: 36px;\"\u003E\u003Ca class=\"richTextBtn\" style=\"display: flex; justify-content: center; align-items: center; width: 80px; height: 32px; font-size: 14px; color: #ffffff; background: #F5A926; border-radius: 16px; text-decoration: none;\" href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fpingce\u002F1179100267501715456\" target=\"_blank\" rel=\"noopener\"\u003E 查看測評\u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E由于金女士是獨生子女，可以再配置一份兩三百元的臻愛 2023 定期壽險，萬一不幸去世，會賠給家人 50 萬，讓他們生活有保障。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這樣搭配好，其實保費總價只要 2 千出頭，就能非常全面，金女士也很認(rèn)可。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E三、\u003Cspan style=\"caret-color: red;\"\u003E寫在最后\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這幾年發(fā)生了太多意料之外的事情，也讓許多朋友意識到，生活中有太多不可控的事情。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E而提前配置好保險，能給我們在不確定的未來中，多一分篤定和底氣。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E愿我們都能天黑有燈，下雨有傘。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 10px; line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果你也想給自己和家人配置適合的方案，可以\u003Cstrong\u003E點擊下方卡片\u003C\u002Fstrong\u003E聯(lián)系我們，有專人一對一服務(wù)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fsection\u003E\n\u003C\u002Fsection\u003E\n\u003C\u002Fsection\u003E",createTime:aE,view:1333,title:C,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2024\u002F03\u002F11\u002F1767120241267650560\u002F964.jpg",intro:aF,likesCount:N,preArticle:{id:"1767117861441421312",title:"別糾結(jié)了！爸媽身體不好，惠民保和防癌醫(yī)療險，就這么選"},nextArticle:{id:"1767121699640623104",title:"一個普通女性的一生，至少要經(jīng)歷8道坎"},tags:[{id:"118091316524020301",name:O,articleCount:c,often:N}],publishTime:"2024-03-11 17:26:29",articleTypeNames:m,createUser:"JucyWang 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