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class="v1zpfdn" id="zhinanContains" class="zhinanContains" data-v-379d4c44><div id="vxllh1r" class="brand" data-v-379d4c44><a href="/" class="hover" data-v-379d4c44>首頁(yè)</a> > <a href="/zhinan/list-17" class="hover" data-v-379d4c44>保險(xiǎn)攻略</a> > <span data-v-379d4c44>正文</span></div> <div id="3ph1phf" class="centerBox" data-v-379d4c44><div id="3ldt11z" class="centerLeft" data-v-379d4c44><div id="5vb19rr" class="containsBox" data-v-379d4c44><div id="vxzz9xn" class="top-banner" data-v-379d4c44><div id="zj9d5vl" class="operation-banner" data-v-1bc45822 data-v-379d4c44><div id="fjlbbbn" class="img-banner" style="width:824px;height:70px;" data-v-1bc45822><a href="http://www.longbiao56.com/zhinan/1914597061776183296?channel=WEB0119" target="_blank" class="banner-item" data-v-1bc45822><img src="https://file.shenlanbao.com/2025/04/23/1914895693100929024/PC知識(shí)文章詳情頂部banner.png" alt="最新預(yù)警！2.5%的預(yù)定利率，快保不住了？" data-v-1bc45822></a>  </div>  <div id="1ph1rpb" 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="1llnffh" class="el-dialog__header"><span id="lf1xd9r" 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>30-45歲收入有限怎么買(mǎi)保險(xiǎn)？這4種保障最不該省！</h1> <div id="3p3x19l" class="description" data-v-379d4c44><div id="zp9x7h1" class="description_left" data-v-379d4c44><img src="https://static1.shenlanbao.com/zhishi-static/img/38c13d6.svg" alt data-v-379d4c44> <div id="pfjldpp" class="nameAndTime" data-v-379d4c44><div id="pxznpn1" class="comName" data-v-379d4c44>原創(chuàng)：深藍(lán)保</div> <div id="njnbrnb" class="lookTime" data-v-379d4c44><time datetime="2025-04-23 15:46:20" title="2025-04-23 15:46:20" data-v-379d4c44> 2025-04-23 <span id="lb91r9z" class="overf" data-v-379d4c44>2025-04-23 15:46:20</span></time></div></div></div> <div id="vhjvv1b" class="description_right" data-v-379d4c44><div id="f9vldpn" class="view" data-v-379d4c44><i class="iconfont icon_eye" data-v-379d4c44></i> <span data-v-379d4c44>1423</span></div></div></div> <div class="df9jppz" id="zhinanLinkContains" class="contains" data-v-379d4c44><div id="vnnlzlb" class="rich-text-parse underline-a" data-v-379d4c44><section class="article135" data-role="outer"> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">三四十歲左右，<strong>收入有限該怎么買(mǎi)保險(xiǎn)呢？</strong></span></p> <p style="line-height: 2em; margin-bottom: 10px;"><strong><span style="font-size: 16px;">能解決剛需問(wèn)題，關(guān)鍵時(shí)刻能救命那種。</span></strong></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">說(shuō)實(shí)話啊，這個(gè)年紀(jì)上有老、下有小的，中間可能還背著幾百萬(wàn)的房貸車(chē)貸。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">買(mǎi)保險(xiǎn)，不僅要考慮自己，還要考慮整個(gè)家庭，一旦買(mǎi)錯(cuò)買(mǎi)貴，特別是像重疾險(xiǎn)這種要繳費(fèi)二三十年的，那虧的就是幾萬(wàn)、甚至幾十萬(wàn)...</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">所以今天這期內(nèi)容，建議你一定要完整看下去，干貨很多：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">一方面我會(huì)告訴你，有哪4種保險(xiǎn)越窮越要買(mǎi)，是咱們成年人的剛需；另一方面我還會(huì)教你如何搭配一套全面的保障方案，不花一分冤枉錢(qián)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">一起來(lái)看看！</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 18px;">一、百萬(wàn)醫(yī)療險(xiǎn)</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">首先一個(gè)是百萬(wàn)醫(yī)療險(xiǎn)，它主要用來(lái)報(bào)銷(xiāo)住院醫(yī)療費(fèi)，看病經(jīng)醫(yī)保報(bào)完后，一般超過(guò)1萬(wàn)的部分，基本可以全部報(bào)銷(xiāo)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">這種保險(xiǎn)，主要是解決咱們看不起病的問(wèn)題，</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">價(jià)格并不貴，30歲左右買(mǎi)，每年只要兩三百塊，就能買(mǎi)到上百萬(wàn)的保額，杠桿非常高！</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">市面上的產(chǎn)品保障良莠不齊，我總共測(cè)評(píng)了700多款醫(yī)療險(xiǎn)，最后才整理出這張精華表格，你參照著買(mǎi)就不會(huì)踩坑：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><img style="vertical-align: baseline;" src="https://file.shenlanbao.com/2025/04/23/1914946659691057152/1_副本.png" alt="圖片" width="1080" height="998" data-s="300,640" data-type="png" data-imgfileid="100180122" data-original-style="null" data-index="1" data-before-load-time="1745388436721" data-report-img-idx="1" data-fail="0" data-ratio="0.924074074074074" data-w="1080" /></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">結(jié)論如下：</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>追求全面的外購(gòu)藥保障：</strong>可以優(yōu)先考慮<strong>藍(lán)醫(yī)保（好醫(yī)好藥版）</strong>，太平洋大公司出品，還能保證續(xù)保20年，年輕人買(mǎi)只要兩三百塊錢(qián)，性價(jià)比很高！</span></span> <div class="jtf1zb9" id="richTextCard"> <div id="59thxh1" 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="bb1x1df" 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/2024/11/29/1862400312859021312/一家三口1(1).png" /></div> <div id="nptzddn" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="lvtx3vh" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">藍(lán)醫(yī)保（好醫(yī)好藥版）</div> <div id="pdvlb9r" 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="3dddhff" class="company-name">太平洋健康險(xiǎn)</div> <div id="dfxn9r9" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="v9l7xzj" class="ins-type">醫(yī)療險(xiǎn)</div> </div> <div id="fftvjhj" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="dht3bbn" 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;">保證續(xù)保20年</div> </div> <div id="jxnb9j1" 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;">可保特需醫(yī)療</div> </div> <div id="jthlnbr" 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;">抗癌藥/外購(gòu)藥報(bào)銷(xiāo)</div> </div> </div> </div> <div id="pvjlnpl" 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/1305480414073909248" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">醫(yī)保DRG實(shí)施后，普通外購(gòu)藥的保障變得更加重要，而這款產(chǎn)品在這方面就表現(xiàn)很好。它能報(bào)銷(xiāo)住院期間的外購(gòu)藥及外購(gòu)器械，沒(méi)有清單限制，像人血白蛋白、脖頸牽引器等等，非常實(shí)用～</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">而且藍(lán)醫(yī)保系列口碑向來(lái)不錯(cuò)，增值服務(wù)也很全面，像就醫(yī)綠通、重疾住院護(hù)工、MDT多學(xué)科會(huì)診等，都非常實(shí)用，戳這里獲取投保鏈接。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">另外，如果家里2人及以上一起買(mǎi)，可以看看它的家庭版，56~60歲的老人不用體檢人核，符合健康告知就能一起買(mǎi)，共享免賠額，保費(fèi)也能打折，很香。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">表里還有一款<strong>星相守（計(jì)劃一），</strong>同樣保證續(xù)保20年，外購(gòu)藥不限清單，還能夠報(bào)銷(xiāo)耐用設(shè)備費(fèi)如義眼義肢等。住院也支持單人病房，優(yōu)于同類(lèi)產(chǎn)品，價(jià)格還很便宜，雖然是一個(gè)新IP，但同樣值得考慮。</span></p> <div class="9z9bjxl" id="richTextCard"> <div id="d99lnxx" 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="9vjxnxb" 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/2025/02/28/1895317515309121536/夫妻1.png" /></div> <div id="nt9b7bb" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="r7rftfr" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">星相守</div> <div id="vnttttp" 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="jrttlfd" class="company-name">復(fù)星聯(lián)合健康</div> <div id="tnnnztd" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="vjlp9pr" class="ins-type">醫(yī)療險(xiǎn)</div> </div> <div id="vhj9pbb" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="nlzzr9j" 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;">20年保證續(xù)保</div> </div> <div id="ffjzzlj" 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;">擴(kuò)展特需醫(yī)療</div> </div> <div id="9dnz9db" 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;">可選住院0免賠</div> </div> </div> </div> <div id="9prdfpj" 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/1340993035672985600" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">新上的<strong>金醫(yī)保3號(hào)</strong>，也拓展了不限清單的普通外購(gòu)藥保障，外購(gòu)藥的整體報(bào)銷(xiāo)規(guī)則也很不錯(cuò)。但它已告知且標(biāo)體承保的異常，也會(huì)被視為既往癥，更適合健康人群或買(mǎi)其他產(chǎn)品也除外的朋友考慮。</span></p> <div class="dvjlplt" id="richTextCard"> <div id="zzzzbxr" 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="xz9pvd9" 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/2024/09/09/1833088235610951680/一家三口1(1).png" /></div> <div id="vftt9pp" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="dnp9ndh" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">金醫(yī)保3號(hào)</div> <div id="vtjxllz" 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="zb99nbx" class="company-name">人保壽險(xiǎn)</div> <div id="tdvvxhh" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="n9ddxff" class="ins-type">醫(yī)療險(xiǎn)</div> </div> <div id="h9pfrpb" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="f9bfvtj" 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;">保證續(xù)保20年</div> </div> <div id="dpttvf9" 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;">無(wú)理賠免賠額遞減</div> </div> </div> </div> <div id="dzbr9dn" 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/1278378985419956224" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;"><strong>心醫(yī)保（長(zhǎng)生版）</strong>同樣由太平洋健康險(xiǎn)承保，<strong>特點(diǎn)是癌癥可以保證續(xù)保終身</strong>，其他疾病可以保證續(xù)保20年。整體保障也很出色，如果擔(dān)心20年之后不好買(mǎi)百萬(wàn)醫(yī)療險(xiǎn)，這款值得考慮，<a href="http://www.longbiao56.com/consult/?channel=WEB0081" target="_blank" rel="noopener"><span style="text-decoration: underline;"><span style="color: #0074ff; text-decoration: underline;"><strong>點(diǎn)這里</strong></span></span></a>詳細(xì)咨詢。</span></p> <div class="tjnnbnd" id="richTextCard"> <div id="jhhjvhd" 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="x7prfdh" 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/2025/02/14/1890312262877749248/女人1.png" /></div> <div id="3nzzl9b" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="nbfjjvt" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">心醫(yī)保（長(zhǎng)生版）</div> <div id="hzppdpb" 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="vbrtxtd" class="company-name">太平洋健康險(xiǎn)</div> <div id="nzdhzhh" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="rpdttfb" class="ins-type">醫(yī)療險(xiǎn)</div> </div> <div id="hh9dfrt" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="dlnbdrf" 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;">癌癥醫(yī)療終身續(xù)保</div> </div> <div id="jprhvhf" 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;">一般醫(yī)療20年續(xù)保</div> </div> <div id="t9t7llz" 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;">可享特需醫(yī)療保障</div> </div> </div> </div> <div id="9r9zpz9" 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/1337005636259221504" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> <ul> <li style="line-height: 2em;"><strong><span style="font-size: 16px;">預(yù)算充足、看重就醫(yī)體驗(yàn)的朋友：就買(mǎi)星相守（計(jì)劃二）。</span></strong></li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">它是20年保證續(xù)保的，在中端醫(yī)療險(xiǎn)中非常罕見(jiàn)，外購(gòu)藥保障也很出色。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">如果你預(yù)算充足，<strong>常住地有特需部、私立醫(yī)院</strong>等，這款產(chǎn)品就非常值得考慮！</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">以上，考慮到百萬(wàn)醫(yī)療險(xiǎn)的健康告知和核保規(guī)則比較復(fù)雜，且每個(gè)人身體情況不同，適合的產(chǎn)品也不一樣，如果患有三高、結(jié)節(jié)等疾病，拿不準(zhǔn)自己或家人是否能買(mǎi)，可以<a href="http://www.longbiao56.com/consult/?channel=WEB0081" target="_blank" rel="noopener"><span style="text-decoration: underline;"><span style="color: #0074ff; text-decoration: underline;"><strong>點(diǎn)擊這里</strong></span></span></a>預(yù)約咨詢，有專(zhuān)業(yè)的規(guī)劃師協(xié)助，服務(wù)是免費(fèi)的。</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 18px;">二、意外險(xiǎn)</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">那第二個(gè)是意外險(xiǎn)，也是很實(shí)用的一個(gè)險(xiǎn)種了。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">小到日?？目呐雠觥⒇堊ス芬?，大到各種意外事故產(chǎn)生的醫(yī)療費(fèi)，都能用它來(lái)報(bào)銷(xiāo)；要是不幸傷殘或身故，可以一次性賠一筆錢(qián)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">價(jià)格也很便宜，像咱們買(mǎi)個(gè)50萬(wàn)保額的，每年只要花100多，屬于典型的“花小錢(qián)、干大事兒”。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">咱們?nèi)氖畾q的人買(mǎi)，應(yīng)該盡量把傷殘、身故的保額做高，因?yàn)樯嫌欣舷掠行〉摹⑦€背著房貸車(chē)貸啥的，一旦出事對(duì)整個(gè)家庭打擊特別大，所以這塊保額得要特別看重。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">我建議是50萬(wàn)起步，100萬(wàn)標(biāo)配，反正價(jià)格也不貴，即使是100萬(wàn)這么高的保額，也不會(huì)超過(guò)300塊。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">具體的產(chǎn)品，你還是照著我整理的表格來(lái)買(mǎi)，就不會(huì)出錯(cuò)，我總共對(duì)比了500來(lái)款意外險(xiǎn)，最終篩選出5款很優(yōu)秀的：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><img style="vertical-align: baseline;" src="https://file.shenlanbao.com/2025/04/23/1914947351763165184/2_副本.png" alt="圖片" width="1080" height="899" data-s="300,640" data-type="png" data-imgfileid="100180124" data-original-style="null" data-index="4" data-before-load-time="1745388438121" data-report-img-idx="4" data-fail="0" data-ratio="0.8324074074074074" data-w="1080" /></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">結(jié)論如下：</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><strong>追求高性價(jià)比：小蜜蜂5號(hào)</strong>是不錯(cuò)的選擇，保障很全面，50萬(wàn)和100萬(wàn)版本很值得考慮，價(jià)格很親民～</span></li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">如果想要更高保額，還可以考慮小蜜蜂5號(hào)（至尊版），身故傷殘有150萬(wàn)，意外醫(yī)療有15萬(wàn)，每年356元。</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><strong>如果想報(bào)銷(xiāo)私立醫(yī)院：更推薦大護(hù)甲6號(hào)（旗艦版）</strong>，大公司人保財(cái)險(xiǎn)承保，還兼具了高性價(jià)比，100萬(wàn)保額，每年只要288元。</span></li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">它也有150萬(wàn)保額的版本，每年355元，還保障了30萬(wàn)的高風(fēng)險(xiǎn)運(yùn)動(dòng)意外，有潛水、蹦極等愛(ài)好的朋友可以考慮。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">其次是專(zhuān)心成人意外險(xiǎn)2024，報(bào)銷(xiāo)比例高，這款產(chǎn)品還有一個(gè)499元的「至尊版Plus」版本，可以報(bào)銷(xiāo)二級(jí)及以上公立醫(yī)院特需部的醫(yī)療費(fèi)，每次意外限額2萬(wàn)元，免賠額200元，想要更好的醫(yī)療資源和服務(wù)質(zhì)量，可以考慮。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">青龍衛(wèi)煥新版尤其適合有高血壓的朋友，意外住院津貼高，但這款產(chǎn)品明確規(guī)定：農(nóng)民、家庭主婦、退休人員、無(wú)業(yè)人員都不能投保，如果是這些職業(yè)，建議選擇上面幾款產(chǎn)品。</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>如果是夫妻一起買(mǎi)：可以入手大護(hù)甲5號(hào)夫妻版（至尊版）</strong>，很適合小兩口投保，每年保費(fèi)加起來(lái)只要566元，會(huì)比一人單獨(dú)買(mǎi)便宜點(diǎn)。</span></span> <div class="nbn997z" id="richTextCard"> <div id="zz7nrdb" 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="ndffhvv" 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/2023/05/04/1654018213209108480/夫妻2.png" /></div> <div id="lftvfzl" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="tzlbnjt" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">大護(hù)甲5號(hào)夫妻版（原小兩口2號(hào)）</div> <div id="tllzddn" 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="tbnbfpz" class="company-name">太保產(chǎn)險(xiǎn)（太平洋財(cái)險(xiǎn)）</div> <div id="flbdf9h" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="pphjnpb" class="ins-type">意外險(xiǎn)</div> </div> <div id="hrvx9vj" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="dddfjjj" 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;">夫妻共同投保</div> </div> <div id="dvznbnz" 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)療不限社保</div> </div> </div> </div> <div id="prtjxjh" 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/1060934162535403520" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">以上，價(jià)格這么劃算，如果你看完很動(dòng)心，或者想給家里的老人、小孩都配置一份，可以<a href="http://www.longbiao56.com/consult/?channel=WEB0081" target="_blank" rel="noopener"><span style="text-decoration: underline;"><span style="color: #0074ff; text-decoration: underline;"><strong>點(diǎn)擊這里</strong></span></span></a>預(yù)約1V1服務(wù)，讓專(zhuān)業(yè)規(guī)劃師給你推薦好產(chǎn)品。</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">三、重疾險(xiǎn)</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">第三個(gè)就是重疾險(xiǎn)，得了合同約定的疾病，就會(huì)直接賠你一大筆錢(qián)，這錢(qián)你想怎么花就怎么花，沒(méi)有任何限制。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">這個(gè)保險(xiǎn)最大的作用，就是幫我們解決生病后各種生活開(kāi)銷(xiāo)的問(wèn)題。畢竟一旦生大病，一邊是治病要花錢(qián)，另一邊沒(méi)辦法繼續(xù)工作，這就意味著沒(méi)有收入來(lái)源。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">而有了重疾險(xiǎn)理賠的錢(qián)，正好可以彌補(bǔ)咱們的收入損失，不至于說(shuō)一場(chǎng)大病下來(lái)，生活質(zhì)量就回到解放前了。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">雖然這種保險(xiǎn)會(huì)比我前面介紹的意外險(xiǎn)、百萬(wàn)醫(yī)療險(xiǎn)都要貴些，但買(mǎi)完一般能保障好幾十年、甚至終身，實(shí)實(shí)在在的安心?。?/span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">挑對(duì)了產(chǎn)品，其實(shí)幾千塊錢(qián)就能搞定，你參考我們整理的這份「最新重疾險(xiǎn)榜單」來(lái)買(mǎi)，就不會(huì)踩坑：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><img style="vertical-align: baseline;" src="https://file.shenlanbao.com/2025/04/23/1914947695817728000/3_副本.png" alt="圖片" width="1080" height="976" data-imgfileid="100180116" data-s="300,640" data-type="png" data-original-style="null" data-index="6" data-before-load-time="1745388439337" data-report-img-idx="6" data-fail="0" /></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>如果看重性價(jià)比：</strong>新品<strong>哪吒1號(hào)</strong>很值得選，基礎(chǔ)保障全面，投保寬松，而且價(jià)格很便宜，相似保障下，它的價(jià)格比其他熱門(mén)產(chǎn)品還要便宜一兩百。</span></span> <div class="lthzd7v" id="richTextCard"> <div id="zr97z9b" 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="rl9pdrf" 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/2025/03/14/1900366724032942080/夫妻1.png" /></div> <div id="bzdtx9l" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="nfh9lnp" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">哪吒1號(hào)</div> <div id="9txxpb9" 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="z9vjbxl" class="company-name">海保人壽</div> <div id="ljbznfh" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="vf9dzzj" class="ins-type">重疾險(xiǎn)</div> </div> <div id="xprrh9f" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="dlbdrpn" 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;">可選重疾額外賠80%</div> </div> <div id="zznrbvf" 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;">重疾持續(xù)治療津貼</div> </div> <div id="vnldfd9" 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;">1-6類(lèi)職業(yè)可投保</div> </div> </div> </div> <div id="t9rjbpz" 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/1349387603552223232" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;"><strong>如果更看重癌癥保障，君龍人壽有一款超級(jí)瑪麗13號(hào)</strong>，更值得關(guān)注～</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">這款產(chǎn)品的可選保障比較優(yōu)秀，比如同種、不同種重疾也能賠「第二次重疾保險(xiǎn)金」，賠付規(guī)則寬松的「癌癥津貼」保障，我們也搭配了4種投保方案。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">還有2款優(yōu)秀重疾險(xiǎn)，性價(jià)比和超級(jí)瑪麗13號(hào)接近，特色保障有不同：</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>完美人生7號(hào)：</strong>針對(duì)3種女性高發(fā)癌癥，可以多賠5萬(wàn)元，癌癥從輕到重多賠25萬(wàn)，適合女性朋友考慮；</span></span> <div class="dpdtzzl" id="richTextCard"> <div id="jdtlzlx" 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="pfxndnz" 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/2025/02/24/1893854335274885120/女人1.png" /></div> <div id="rvzbbzz" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="l99fvh9" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">完美人生7號(hào)</div> <div id="r7xlrfb" 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="fzdfv9b" class="company-name">復(fù)星聯(lián)合健康</div> <div id="vf99nlz" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="j9xntpp" class="ins-type">重疾險(xiǎn)</div> </div> <div id="5lnrttt" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="pnrf9pr" 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="xvnbplx" 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;">女性特定疾病保障</div> </div> <div id="bhtlz9h" 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;">癌癥保障好</div> </div> </div> </div> <div id="zdddbpd" 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/1340993363382345728" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>達(dá)爾文11號(hào)：</strong>意外導(dǎo)致的重疾能夠多賠15萬(wàn)，60歲前沒(méi)得重疾，后面住院每天可領(lǐng)500元，和重疾共享保額，擔(dān)心意外的朋友可以考慮。</span></span> <div class="jrfvll9" id="richTextCard"> <div id="llzddnb" 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="vdrjvx9" 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/2025/01/16/1879788330532700160/男人1.png" /></div> <div id="hnrflvl" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="5lddf9v" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">達(dá)爾文11號(hào)</div> <div id="zlzlnx9" 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="99t9bzr" class="company-name">復(fù)星聯(lián)合健康</div> <div id="z9bnpz7" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="pxnrf77" class="ins-type">重疾險(xiǎn)</div> </div> <div id="fdvprrf" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="fpp9znz" 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="tz9bttf" 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;">癌癥/心腦血管保障</div> </div> </div> </div> <div id="h7nfhlt" 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/1325858958483587072" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">君龍人壽還有一款大力水手，保至70歲也可以30年交，適合預(yù)算緊張的朋友考慮。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">這款產(chǎn)品核保也很寬松，對(duì)于一些嚴(yán)重異常比如癲癇、大三陽(yáng)也有機(jī)會(huì)承保，點(diǎn)這里獲取投保鏈接。</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;"><span style="font-size: 16px;"><strong>如果你只想買(mǎi)大公司：可以選阿基米德</strong>，太平洋人壽出品，公司知名度很高，適合身體有異常的朋友，投保要求更寬松。</span></span> <div class="nthvv9p" id="richTextCard"> <div id="rhftvvf" 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="3vxbfr7" 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/2025/02/05/1887019216010518528/男人2.png" /></div> <div id="frf9hlz" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="rv9phhf" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">阿基米德</div> <div id="dfvvzlj" 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="pfftlx9" class="company-name">太保壽險(xiǎn)（太平洋人壽）</div> <div id="dppdpzj" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="lffv9hv" class="ins-type">重疾險(xiǎn)</div> </div> <div id="xr9rfrn" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="9ffrrrt" 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;">可選疾病關(guān)愛(ài)金</div> </div> <div id="zjnpfhf" 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;">重疾補(bǔ)償金</div> </div> <div id="nhj9zln" 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;">大公司品牌</div> </div> </div> </div> <div id="pnlzf99" 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/1322172205257584640" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> </li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">還有一款人保壽險(xiǎn)的i無(wú)憂3.0也不錯(cuò)，核保也比較寬松，針對(duì)甲狀腺癌也有機(jī)會(huì)承保，非常友好。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">那如果你對(duì)上面介紹的產(chǎn)品感興趣，想按自己年齡測(cè)算要多少錢(qián)，或有結(jié)節(jié)等體檢異常，不確定自己是否能順利買(mǎi)和理賠，可以<a href="http://www.longbiao56.com/consult/?channel=WEB0081" target="_blank" rel="noopener"><span style="text-decoration: underline;"><span style="color: #0074ff; text-decoration: underline;"><strong>點(diǎn)這里</strong></span></span></a>咨詢。</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 18px;">四、定期壽險(xiǎn)</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">那最后一個(gè)是定期壽險(xiǎn)，聽(tīng)好了，如果你是家里面負(fù)責(zé)掙錢(qián)的，特別是還背著房貸、車(chē)貸，這種保險(xiǎn)最好盡早配置一份。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">萬(wàn)一人不在了，起碼還可以留一大筆錢(qián)給家人，保障他們后續(xù)的生活。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">正所謂留愛(ài)不留債，才是真正地對(duì)家庭負(fù)責(zé)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">價(jià)格也不貴，30歲男，買(mǎi)100萬(wàn)保額，保到60歲（繳費(fèi)30年），每年保費(fèi)就一千出頭。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">女性朋友買(mǎi)，價(jià)格還會(huì)便宜很多，600塊錢(qián)左右就能搞定，市面上在售的好產(chǎn)品，我都幫大家整理在下面這種表格里了：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><img style="vertical-align: baseline;" src="https://file.shenlanbao.com/2025/04/23/1914948290918797312/4_副本.png" alt="圖片" width="1080" height="817" data-s="300,640" data-type="png" data-imgfileid="100180126" data-original-style="null" data-index="9" data-before-load-time="1745388440437" data-report-img-idx="9" data-fail="0" data-ratio="0.7564814814814815" data-w="1080" /></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;"><strong>如果你追求極致的性價(jià)比</strong>，首選就是<strong>定海柱6號(hào)！</strong></span></p> <div class="ltldrpn" id="richTextCard"> <div id="jhlzdrb" 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="j7nr9zz" 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/2024/11/27/1861711549820424192/夫妻1.png" /></div> <div id="xd7npfp" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="7z7xbdd" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">定海柱6號(hào)</div> <div id="tpdjbnx" 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="fhjl9jj" class="company-name">國(guó)富人壽</div> <div id="l7pfjvr" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="xdh9lz9" class="ins-type">壽險(xiǎn)</div> </div> <div id="jzfj9fh" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="nrjbppb" 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;">交通意外額外賠</div> </div> <div id="rzjjljj" 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;">猝死額外賠</div> </div> </div> </div> <div id="v9dtbrp" 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/1308034504918233088" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">它由國(guó)富人壽承保，它最大特點(diǎn)就是價(jià)格很便宜，且健康告知寬松，性價(jià)比非常高。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">另外，這款產(chǎn)品還可以附加猝死額外賠、交通意外額外賠等保障，大家可以按需求選擇～</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">表里還有一款北京人壽的擎天柱9號(hào)，價(jià)格相近，健康告知也很寬松，不問(wèn)抑郁癥、先天性疾病（除了先天性心臟?。⑦z傳性疾病，戳這里獲取投保鏈接。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">華貴人壽的大麥2024也值得考慮，該系列口碑向來(lái)不錯(cuò)，性價(jià)比很高，最近健康告知還去掉了對(duì)肺結(jié)節(jié)的問(wèn)詢，變得更加寬松。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;"><strong>夫妻一起買(mǎi)，還可以選它家的大麥甜蜜家2024</strong>，一張保單可以同時(shí)保夫妻兩人，且保額互相獨(dú)立。</span></p> <div class="xpfjlhh" id="richTextCard"> <div id="dzbfvhr" 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="fz99drd" 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/2024/12/23/1871135773551087616/夫妻2.png" /></div> <div id="td9nnxx" class="card-wrap-main" style="flex: 1; font-size: 20px; overflow: hidden;"> <div id="dhlp9fz" class="product-name" style="line-height: 28px; font-weight: bold; color: #333333; margin-bottom: 4px; overflow: hidden; white-space: nowrap; text-overflow: ellipsis;">大麥甜蜜家2024</div> <div id="zbtvlzj" 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="rllzpnj" class="company-name">華貴保險(xiǎn)</div> <div id="vfttv9b" class="gap" style="width: 1px; height: 12px; margin: 0 10px; background: #CCCCCC;">?</div> <div id="t9xzbzx" class="ins-type">壽險(xiǎn)</div> </div> <div id="ztvzbnb" class="product-feature" style="display: flex; margin-top: 12px;"> <div id="xx9zbnb" 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;">夫妻共同投保</div> </div> <div id="vxbrrhd" 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;">夫妻保障最高400%保額</div> </div> </div> </div> <div id="jnnnppd" 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/1305480872700080128" target="_blank" rel="noopener"> 查看測(cè)評(píng) </a></div> </div> </div> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">如果一人先出險(xiǎn)，另外一人的保費(fèi)可以不用交，保障繼續(xù)有效；如果兩人同時(shí)遭遇不幸，保額會(huì)同時(shí)翻2倍，買(mǎi)100萬(wàn)賠400萬(wàn)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">不過(guò)大麥這兩款產(chǎn)品，條款都規(guī)定了對(duì)酒駕、無(wú)證駕駛等免責(zé)，你們要注意一下。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">臻愛(ài)2024由同方全球人壽承保，更適合想要返還保費(fèi)的朋友。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">我們也計(jì)算了返還保費(fèi)的收益率，以“100萬(wàn)保額，30歲，保30年，交30年”測(cè)算，收益率接近2.5%，即預(yù)定利率上限，表現(xiàn)不錯(cuò)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">定壽產(chǎn)品杠桿很高，幾百上千塊就能買(mǎi)到上百萬(wàn)的保額，如果你對(duì)這幾款產(chǎn)品感興趣，可以點(diǎn)這里預(yù)約咨詢。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">以上，我介紹的這四種保險(xiǎn)，其實(shí)全部配下來(lái)也不貴，每年花個(gè)幾千塊，就能給自己和給家人，都做到比較全面的保障。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">了解完后，我們來(lái)實(shí)操看看，到底怎么搭配一套保障齊全的方案。</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 18px;">五、30歲左右，收入有限，如何搭配保障全面的方案？</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">我最近剛好給一位老客戶，配了一份性價(jià)比很高的方案，每年7000多搞定，保障很全面。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">每月折算下來(lái)只要600多塊錢(qián)，價(jià)格很劃算，買(mǎi)完安心多了：</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><img style="vertical-align: baseline;" src="https://file.shenlanbao.com/2025/04/23/1914948555872346112/5_副本.png" alt="圖片" width="1080" height="566" data-imgfileid="100180120" data-s="300,640" data-type="png" data-original-style="null" data-index="11" data-before-load-time="1745388441686" data-report-img-idx="11" data-fail="0" data-ratio="0.524074074074074" data-w="1080" /></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">簡(jiǎn)單了解下韓先生的家庭情況：他今年30歲，結(jié)婚兩年，兒子剛滿月，老婆是全職主婦，還有老家的父母要贍養(yǎng)，加班工作壓力也大，經(jīng)濟(jì)負(fù)擔(dān)不小。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">于是就找到我們幫忙配置保險(xiǎn)，轉(zhuǎn)移因疾病和意外帶來(lái)的經(jīng)濟(jì)風(fēng)險(xiǎn)，不想將來(lái)因?yàn)闆](méi)錢(qián)治病拖累家人。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">考慮到他從事的行業(yè)在裁員，目前收入吃緊，就建議暫時(shí)先配置他作為家庭經(jīng)濟(jì)支柱的保障，等過(guò)一兩年經(jīng)濟(jì)情況好轉(zhuǎn)，再為一家三口和老家父母配置保險(xiǎn)，這樣全家人更安心。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">下面，我們一起來(lái)看看方案的具體情況：</span></p> <ul> <li style="line-height: 2em;"><span style="font-size: 16px;">百萬(wàn)醫(yī)療險(xiǎn)：太平洋的新品<strong>藍(lán)醫(yī)保（好醫(yī)好藥版）</strong>，大公司出品很放心，不僅保證續(xù)保20年，而且外購(gòu)藥等各方面的保障都很出色，只要兩百多就能買(mǎi)到；</span></li> <li style="line-height: 2em;"><span style="font-size: 16px;">意外險(xiǎn)：<strong>大護(hù)甲6號(hào)旗艦版（至尊版），</strong>人保老牌大公司出品，保障全面，可報(bào)銷(xiāo)私立醫(yī)院普通部，價(jià)格只要288元很劃算；</span></li> <li style="line-height: 2em;"><span style="font-size: 16px;">重疾險(xiǎn)：配置的是新品<strong>哪吒1號(hào)</strong>，性價(jià)比非常高，50萬(wàn)保額、保終身，30年繳費(fèi)僅需5000多塊錢(qián)就搞定，各方面的保障都很全面；</span></li> <li style="line-height: 2em;"><span style="font-size: 16px;">定期壽險(xiǎn)：選的是市場(chǎng)關(guān)注度很高的產(chǎn)品<strong>定海柱6號(hào)</strong>，價(jià)格便宜，健康告知很寬松，大家可以重點(diǎn)考慮入手。</span></li> </ul> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">以上，整套方案提供了較全面的疾病和意外保障，價(jià)格也不貴，他感到十分滿意，去醫(yī)院體檢的底氣也更足了。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">不過(guò)話說(shuō)回來(lái)，每個(gè)人收入、身體狀況不同，買(mǎi)的產(chǎn)品也有所差別，大家還是要根據(jù)實(shí)際情況來(lái)選擇適合自己的保險(xiǎn)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">如果你也讓我們幫忙定制這種高性價(jià)比的方案，可以直接<a href="http://www.longbiao56.com/consult/?channel=WEB0081" target="_blank" rel="noopener"><span style="text-decoration: underline;"><span style="color: #0074ff; text-decoration: underline;"><strong>點(diǎn)這里</strong></span></span></a>咨詢，有專(zhuān)人解答。</span></p> <h2 style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 18px;">六、寫(xiě)在最后</span></h2> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">我知道很多朋友買(mǎi)保險(xiǎn)都會(huì)有顧慮，擔(dān)心錢(qián)少買(mǎi)不到什么好的保障，總是一拖再拖、想等有錢(qián)再說(shuō)。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">但其實(shí)買(mǎi)保險(xiǎn)是一件豐儉由人的事情，錢(qián)少有錢(qián)少的買(mǎi)法，錢(qián)多也有全面的買(mǎi)法，配置上是非常靈活的。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">咱們不管有錢(qián)沒(méi)錢(qián)，都要想辦法將風(fēng)險(xiǎn)轉(zhuǎn)移出去，不能裸奔?。?/span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">以上就是今天關(guān)于“30-45歲收入有限怎么買(mǎi)保險(xiǎn)？”的全部?jī)?nèi)容了。</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">我們也會(huì)經(jīng)常分享一些配置保險(xiǎn)的策略，告訴大家怎樣在預(yù)算有限的情況下，如何買(mǎi)到合適的高性價(jià)比產(chǎn)品～</span></p> <p style="line-height: 2em; margin-bottom: 10px;"><span style="font-size: 16px;">如果實(shí)在沒(méi)時(shí)間研究產(chǎn)品，怕買(mǎi)錯(cuò)踩坑，也可以<strong>點(diǎn)擊下方卡片</strong>咨詢，有專(zhuān)業(yè)規(guī)劃師給你介紹。</span></p> </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="lzznttp" class="tipBox" data-v-23a2d970 data-v-379d4c44><a href="/tags/保險(xiǎn)方案" class="tips" 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class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2020-01-23</span></div> <div id="nx9pddn" 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>2486</span></div></div></div></div></div><div id="hb9dtpn" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="zhfhxlx" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1650075272323350528" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2023/04/23/1650075167362838528/229.jpg" data-v-c8a124f0></a> <div id="nlxnjt9" class="gap" data-v-c8a124f0></div> <div id="pprrj9v" class="content" data-v-c8a124f0><a href="/zhinan/1650075272323350528" target="_self" class="title style-oneline" data-v-c8a124f0>怎么給父母買(mǎi)保險(xiǎn)？如何配置才更全面？分享一套實(shí)用方案！</a> <div id="hzbfvhv" class="desc style-mutiline" 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src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2023-04-23</span></div> <div id="ndrrffr" 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>2760</span></div></div></div></div></div><div id="t3hvvrp" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="3r7xzzl" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1866783266837446656" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2024/12/11/1866783080699252736/document-428334_640_副本.jpg" data-v-c8a124f0></a> <div id="d3frfhd" class="gap" data-v-c8a124f0></div> <div id="dnbnfp3" class="content" data-v-c8a124f0><a href="/zhinan/1866783266837446656" target="_self" class="title style-oneline" data-v-c8a124f0>買(mǎi)保險(xiǎn)有哪些注意事項(xiàng)？分享一套成人超高性價(jià)比方案！</a> <div id="pdhvj9n" class="desc 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src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2024-12-11</span></div> <div id="hjxlpnn" 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>1353</span></div></div></div></div></div><div id="9vjzrzx" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="dlx9n9t" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/120012723325125201" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="http://file.shenlanbao.com/2020/01/27/120012723310767601.jpg" data-v-c8a124f0></a> <div id="3lzptrp" class="gap" data-v-c8a124f0></div> <div id="hl3jdrb" class="content" data-v-c8a124f0><a href="/zhinan/120012723325125201" target="_self" class="title style-oneline" data-v-c8a124f0>買(mǎi)什么保險(xiǎn)比較好？每年僅需3000塊配齊全面的保障！</a> <div id="nxzn9fx" class="desc style-mutiline" 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src="data:image/svg+xml;base64,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" 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data-v-c8a124f0>為什么我不建議成年人輕易買(mǎi)保險(xiǎn)呢？我測(cè)評(píng)過(guò)3000多款保險(xiǎn)產(chǎn)品，也在知乎上回答了5000個(gè)保險(xiǎn)問(wèn)題。</div> <div id="phhvvff" class="info" data-v-c8a124f0><div id="jlxbpnz" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" 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class="icon" data-v-318d322c> <span data-v-318d322c>74674</span></div></div></a><a href="/pingce/1340993035672985600" target="_blank" class="product-item" data-v-318d322c><div id="pvjjdnz" class="product-info" data-v-318d322c><div id="dbrr9jv" class="left" data-v-318d322c><div id="pbbrfhv" class="product-name" data-v-318d322c>星相守</div> <div id="nzbpdpz" class="keyword style-mutiline" data-v-318d322c><span id="bhhzffp" class="keyword-item" data-v-318d322c>20年保證續(xù)保</span><span id="n3hlxhp" class="keyword-item" data-v-318d322c>擴(kuò)展特需醫(yī)療</span><span id="vjtjfdr" class="keyword-item" data-v-318d322c>可選住院0免賠</span></div></div> <div id="xllndfr" class="company-icon" data-v-318d322c><img src="https://file.shenlanbao.com/2021/05/13/842428448260644864.png" alt data-v-318d322c></div></div> <div id="lv9ttbn" class="performance" data-v-318d322c><div id="3ljld9p" class="review" data-v-318d322c><div id="tl3d9bp" class="advantage" data-v-318d322c>0個(gè)亮點(diǎn)</div> <div id="hvlbdnz" 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class=\"article135\" data-role=\"outer\"\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E三四十歲左右，\u003Cstrong\u003E收入有限該怎么買(mǎi)保險(xiǎn)呢？\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cstrong\u003E\u003Cspan style=\"font-size: 16px;\"\u003E能解決剛需問(wèn)題，關(guān)鍵時(shí)刻能救命那種。\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E說(shuō)實(shí)話啊，這個(gè)年紀(jì)上有老、下有小的，中間可能還背著幾百萬(wàn)的房貸車(chē)貸。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E買(mǎi)保險(xiǎn)，不僅要考慮自己，還要考慮整個(gè)家庭，一旦買(mǎi)錯(cuò)買(mǎi)貴，特別是像重疾險(xiǎn)這種要繳費(fèi)二三十年的，那虧的就是幾萬(wàn)、甚至幾十萬(wàn)...\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E所以今天這期內(nèi)容，建議你一定要完整看下去，干貨很多：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E一方面我會(huì)告訴你，有哪4種保險(xiǎn)越窮越要買(mǎi)，是咱們成年人的剛需；另一方面我還會(huì)教你如何搭配一套全面的保障方案，不花一分冤枉錢(qián)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E一起來(lái)看看！\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E一、百萬(wàn)醫(yī)療險(xiǎn)\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E首先一個(gè)是百萬(wàn)醫(yī)療險(xiǎn)，它主要用來(lái)報(bào)銷(xiāo)住院醫(yī)療費(fèi)，看病經(jīng)醫(yī)保報(bào)完后，一般超過(guò)1萬(wàn)的部分，基本可以全部報(bào)銷(xiāo)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這種保險(xiǎn)，主要是解決咱們看不起病的問(wèn)題，\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E價(jià)格并不貴，30歲左右買(mǎi)，每年只要兩三百塊，就能買(mǎi)到上百萬(wàn)的保額，杠桿非常高！\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E市面上的產(chǎn)品保障良莠不齊，我總共測(cè)評(píng)了700多款醫(yī)療險(xiǎn)，最后才整理出這張精華表格，你參照著買(mǎi)就不會(huì)踩坑：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cimg style=\"vertical-align: baseline;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914946659691057152\u002F1_副本.png\" alt=\"圖片\" width=\"1080\" height=\"998\" data-s=\"300,640\" data-type=\"png\" data-imgfileid=\"100180122\" data-original-style=\"null\" data-index=\"1\" data-before-load-time=\"1745388436721\" data-report-img-idx=\"1\" data-fail=\"0\" data-ratio=\"0.924074074074074\" data-w=\"1080\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E結(jié)論如下：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E追求全面的外購(gòu)藥保障：\u003C\u002Fstrong\u003E可以優(yōu)先考慮\u003Cstrong\u003E藍(lán)醫(yī)保（好醫(yī)好藥版）\u003C\u002Fstrong\u003E，太平洋大公司出品，還能保證續(xù)保20年，年輕人買(mǎi)只要兩三百塊錢(qián)，性價(jià)比很高！\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F2024\u002F11\u002F29\u002F1862400312859021312\u002F一家三口1(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藍(lán)醫(yī)保（好醫(yī)好藥版）\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太平洋健康險(xiǎn)\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醫(yī)療險(xiǎn)\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保證續(xù)保20年\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可保特需醫(yī)療\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抗癌藥\u002F外購(gòu)藥報(bào)銷(xiāo)\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\u002F1305480414073909248\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E醫(yī)保DRG實(shí)施后，普通外購(gòu)藥的保障變得更加重要，而這款產(chǎn)品在這方面就表現(xiàn)很好。它能報(bào)銷(xiāo)住院期間的外購(gòu)藥及外購(gòu)器械，沒(méi)有清單限制，像人血白蛋白、脖頸牽引器等等，非常實(shí)用～\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E而且藍(lán)醫(yī)保系列口碑向來(lái)不錯(cuò)，增值服務(wù)也很全面，像就醫(yī)綠通、重疾住院護(hù)工、MDT多學(xué)科會(huì)診等，都非常實(shí)用，戳這里獲取投保鏈接。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E另外，如果家里2人及以上一起買(mǎi)，可以看看它的家庭版，56~60歲的老人不用體檢人核，符合健康告知就能一起買(mǎi)，共享免賠額，保費(fèi)也能打折，很香。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E表里還有一款\u003Cstrong\u003E星相守（計(jì)劃一），\u003C\u002Fstrong\u003E同樣保證續(xù)保20年，外購(gòu)藥不限清單，還能夠報(bào)銷(xiāo)耐用設(shè)備費(fèi)如義眼義肢等。住院也支持單人病房，優(yōu)于同類(lèi)產(chǎn)品，價(jià)格還很便宜，雖然是一個(gè)新IP，但同樣值得考慮。\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\u002F2025\u002F02\u002F28\u002F1895317515309121536\u002F夫妻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星相守\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復(fù)星聯(lián)合健康\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醫(yī)療險(xiǎn)\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;\"\u003E20年保證續(xù)保\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擴(kuò)展特需醫(yī)療\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可選住院0免賠\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\u002F1340993035672985600\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E新上的\u003Cstrong\u003E金醫(yī)保3號(hào)\u003C\u002Fstrong\u003E，也拓展了不限清單的普通外購(gòu)藥保障，外購(gòu)藥的整體報(bào)銷(xiāo)規(guī)則也很不錯(cuò)。但它已告知且標(biāo)體承保的異常，也會(huì)被視為既往癥，更適合健康人群或買(mǎi)其他產(chǎn)品也除外的朋友考慮。\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\u002F2024\u002F09\u002F09\u002F1833088235610951680\u002F一家三口1(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金醫(yī)保3號(hào)\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人保壽險(xiǎn)\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醫(yī)療險(xiǎn)\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保證續(xù)保20年\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無(wú)理賠免賠額遞減\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\u002F1278378985419956224\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E心醫(yī)保（長(zhǎng)生版）\u003C\u002Fstrong\u003E同樣由太平洋健康險(xiǎn)承保，\u003Cstrong\u003E特點(diǎn)是癌癥可以保證續(xù)保終身\u003C\u002Fstrong\u003E，其他疾病可以保證續(xù)保20年。整體保障也很出色，如果擔(dān)心20年之后不好買(mǎi)百萬(wàn)醫(yī)療險(xiǎn)，這款值得考慮，\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fconsult\u002F?channel=WEB0081\" target=\"_blank\" rel=\"noopener\"\u003E\u003Cspan style=\"text-decoration: underline;\"\u003E\u003Cspan style=\"color: #0074ff; text-decoration: underline;\"\u003E\u003Cstrong\u003E點(diǎn)這里\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E詳細(xì)咨詢。\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\u002F2025\u002F02\u002F14\u002F1890312262877749248\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心醫(yī)保（長(zhǎng)生版）\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太平洋健康險(xiǎn)\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醫(yī)療險(xiǎn)\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癌癥醫(yī)療終身續(xù)保\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一般醫(yī)療20年續(xù)保\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可享特需醫(yī)療保障\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\u002F1337005636259221504\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cstrong\u003E\u003Cspan style=\"font-size: 16px;\"\u003E預(yù)算充足、看重就醫(yī)體驗(yàn)的朋友：就買(mǎi)星相守（計(jì)劃二）。\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E它是20年保證續(xù)保的，在中端醫(yī)療險(xiǎn)中非常罕見(jiàn)，外購(gòu)藥保障也很出色。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果你預(yù)算充足，\u003Cstrong\u003E常住地有特需部、私立醫(yī)院\u003C\u002Fstrong\u003E等，這款產(chǎn)品就非常值得考慮！\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上，考慮到百萬(wàn)醫(yī)療險(xiǎn)的健康告知和核保規(guī)則比較復(fù)雜，且每個(gè)人身體情況不同，適合的產(chǎn)品也不一樣，如果患有三高、結(jié)節(jié)等疾病，拿不準(zhǔn)自己或家人是否能買(mǎi)，可以\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fconsult\u002F?channel=WEB0081\" target=\"_blank\" rel=\"noopener\"\u003E\u003Cspan style=\"text-decoration: underline;\"\u003E\u003Cspan style=\"color: #0074ff; text-decoration: underline;\"\u003E\u003Cstrong\u003E點(diǎn)擊這里\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E預(yù)約咨詢，有專(zhuān)業(yè)的規(guī)劃師協(xié)助，服務(wù)是免費(fèi)的。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E二、意外險(xiǎn)\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E那第二個(gè)是意外險(xiǎn)，也是很實(shí)用的一個(gè)險(xiǎn)種了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E小到日?？目呐雠?、貓抓狗咬，大到各種意外事故產(chǎn)生的醫(yī)療費(fèi)，都能用它來(lái)報(bào)銷(xiāo)；要是不幸傷殘或身故，可以一次性賠一筆錢(qián)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E價(jià)格也很便宜，像咱們買(mǎi)個(gè)50萬(wàn)保額的，每年只要花100多，屬于典型的“花小錢(qián)、干大事兒”。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E咱們?nèi)氖畾q的人買(mǎi)，應(yīng)該盡量把傷殘、身故的保額做高，因?yàn)樯嫌欣舷掠行〉?、還背著房貸車(chē)貸啥的，一旦出事對(duì)整個(gè)家庭打擊特別大，所以這塊保額得要特別看重。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我建議是50萬(wàn)起步，100萬(wàn)標(biāo)配，反正價(jià)格也不貴，即使是100萬(wàn)這么高的保額，也不會(huì)超過(guò)300塊。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E具體的產(chǎn)品，你還是照著我整理的表格來(lái)買(mǎi)，就不會(huì)出錯(cuò)，我總共對(duì)比了500來(lái)款意外險(xiǎn)，最終篩選出5款很優(yōu)秀的：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cimg style=\"vertical-align: baseline;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914947351763165184\u002F2_副本.png\" alt=\"圖片\" width=\"1080\" height=\"899\" data-s=\"300,640\" data-type=\"png\" data-imgfileid=\"100180124\" data-original-style=\"null\" data-index=\"4\" data-before-load-time=\"1745388438121\" data-report-img-idx=\"4\" data-fail=\"0\" data-ratio=\"0.8324074074074074\" data-w=\"1080\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E結(jié)論如下：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E追求高性價(jià)比：小蜜蜂5號(hào)\u003C\u002Fstrong\u003E是不錯(cuò)的選擇，保障很全面，50萬(wàn)和100萬(wàn)版本很值得考慮，價(jià)格很親民～\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果想要更高保額，還可以考慮小蜜蜂5號(hào)（至尊版），身故傷殘有150萬(wàn)，意外醫(yī)療有15萬(wàn)，每年356元。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果想報(bào)銷(xiāo)私立醫(yī)院：更推薦大護(hù)甲6號(hào)（旗艦版）\u003C\u002Fstrong\u003E，大公司人保財(cái)險(xiǎn)承保，還兼具了高性價(jià)比，100萬(wàn)保額，每年只要288元。\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E它也有150萬(wàn)保額的版本，每年355元，還保障了30萬(wàn)的高風(fēng)險(xiǎn)運(yùn)動(dòng)意外，有潛水、蹦極等愛(ài)好的朋友可以考慮。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E其次是專(zhuān)心成人意外險(xiǎn)2024，報(bào)銷(xiāo)比例高，這款產(chǎn)品還有一個(gè)499元的「至尊版Plus」版本，可以報(bào)銷(xiāo)二級(jí)及以上公立醫(yī)院特需部的醫(yī)療費(fèi)，每次意外限額2萬(wàn)元，免賠額200元，想要更好的醫(yī)療資源和服務(wù)質(zhì)量，可以考慮。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E青龍衛(wèi)煥新版尤其適合有高血壓的朋友，意外住院津貼高，但這款產(chǎn)品明確規(guī)定：農(nóng)民、家庭主婦、退休人員、無(wú)業(yè)人員都不能投保，如果是這些職業(yè)，建議選擇上面幾款產(chǎn)品。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果是夫妻一起買(mǎi)：可以入手大護(hù)甲5號(hào)夫妻版（至尊版）\u003C\u002Fstrong\u003E，很適合小兩口投保，每年保費(fèi)加起來(lái)只要566元，會(huì)比一人單獨(dú)買(mǎi)便宜點(diǎn)。\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F1654018213209108480\u002F夫妻2.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大護(hù)甲5號(hào)夫妻版（原小兩口2號(hào)）\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太保產(chǎn)險(xiǎn)（太平洋財(cái)險(xiǎn)）\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(xiǎn)\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夫妻共同投保\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意外醫(yī)療不限社保\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\u002F1060934162535403520\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上，價(jià)格這么劃算，如果你看完很動(dòng)心，或者想給家里的老人、小孩都配置一份，可以\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fconsult\u002F?channel=WEB0081\" target=\"_blank\" rel=\"noopener\"\u003E\u003Cspan style=\"text-decoration: underline;\"\u003E\u003Cspan style=\"color: #0074ff; text-decoration: underline;\"\u003E\u003Cstrong\u003E點(diǎn)擊這里\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E預(yù)約1V1服務(wù)，讓專(zhuān)業(yè)規(guī)劃師給你推薦好產(chǎn)品。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E三、重疾險(xiǎn)\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E第三個(gè)就是重疾險(xiǎn)，得了合同約定的疾病，就會(huì)直接賠你一大筆錢(qián)，這錢(qián)你想怎么花就怎么花，沒(méi)有任何限制。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這個(gè)保險(xiǎn)最大的作用，就是幫我們解決生病后各種生活開(kāi)銷(xiāo)的問(wèn)題。畢竟一旦生大病，一邊是治病要花錢(qián)，另一邊沒(méi)辦法繼續(xù)工作，這就意味著沒(méi)有收入來(lái)源。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E而有了重疾險(xiǎn)理賠的錢(qián)，正好可以彌補(bǔ)咱們的收入損失，不至于說(shuō)一場(chǎng)大病下來(lái)，生活質(zhì)量就回到解放前了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E雖然這種保險(xiǎn)會(huì)比我前面介紹的意外險(xiǎn)、百萬(wàn)醫(yī)療險(xiǎn)都要貴些，但買(mǎi)完一般能保障好幾十年、甚至終身，實(shí)實(shí)在在的安心啊！\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E挑對(duì)了產(chǎn)品，其實(shí)幾千塊錢(qián)就能搞定，你參考我們整理的這份「最新重疾險(xiǎn)榜單」來(lái)買(mǎi)，就不會(huì)踩坑：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cimg style=\"vertical-align: baseline;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914947695817728000\u002F3_副本.png\" alt=\"圖片\" width=\"1080\" height=\"976\" data-imgfileid=\"100180116\" data-s=\"300,640\" data-type=\"png\" data-original-style=\"null\" data-index=\"6\" data-before-load-time=\"1745388439337\" data-report-img-idx=\"6\" data-fail=\"0\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果看重性價(jià)比：\u003C\u002Fstrong\u003E新品\u003Cstrong\u003E哪吒1號(hào)\u003C\u002Fstrong\u003E很值得選，基礎(chǔ)保障全面，投保寬松，而且價(jià)格很便宜，相似保障下，它的價(jià)格比其他熱門(mén)產(chǎn)品還要便宜一兩百。\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F2025\u002F03\u002F14\u002F1900366724032942080\u002F夫妻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哪吒1號(hào)\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海保人壽\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(xiǎn)\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可選重疾額外賠80%\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重疾持續(xù)治療津貼\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;\"\u003E1-6類(lèi)職業(yè)可投保\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\u002F1349387603552223232\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果更看重癌癥保障，君龍人壽有一款超級(jí)瑪麗13號(hào)\u003C\u002Fstrong\u003E，更值得關(guān)注～\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這款產(chǎn)品的可選保障比較優(yōu)秀，比如同種、不同種重疾也能賠「第二次重疾保險(xiǎn)金」，賠付規(guī)則寬松的「癌癥津貼」保障，我們也搭配了4種投保方案。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E還有2款優(yōu)秀重疾險(xiǎn)，性價(jià)比和超級(jí)瑪麗13號(hào)接近，特色保障有不同：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E完美人生7號(hào)：\u003C\u002Fstrong\u003E針對(duì)3種女性高發(fā)癌癥，可以多賠5萬(wàn)元，癌癥從輕到重多賠25萬(wàn)，適合女性朋友考慮；\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F2025\u002F02\u002F24\u002F1893854335274885120\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完美人生7號(hào)\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復(fù)星聯(lián)合健康\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(xiǎn)\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女性特定疾病保障\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癌癥保障好\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\u002F1340993363382345728\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E達(dá)爾文11號(hào)：\u003C\u002Fstrong\u003E意外導(dǎo)致的重疾能夠多賠15萬(wàn)，60歲前沒(méi)得重疾，后面住院每天可領(lǐng)500元，和重疾共享保額，擔(dān)心意外的朋友可以考慮。\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F2025\u002F01\u002F16\u002F1879788330532700160\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達(dá)爾文11號(hào)\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復(fù)星聯(lián)合健康\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(xiǎn)\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癌癥\u002F心腦血管保障\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\u002F1325858958483587072\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E君龍人壽還有一款大力水手，保至70歲也可以30年交，適合預(yù)算緊張的朋友考慮。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E這款產(chǎn)品核保也很寬松，對(duì)于一些嚴(yán)重異常比如癲癇、大三陽(yáng)也有機(jī)會(huì)承保，點(diǎn)這里獲取投保鏈接。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果你只想買(mǎi)大公司：可以選阿基米德\u003C\u002Fstrong\u003E，太平洋人壽出品，公司知名度很高，適合身體有異常的朋友，投保要求更寬松。\u003C\u002Fspan\u003E\u003C\u002Fspan\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\u002F2025\u002F02\u002F05\u002F1887019216010518528\u002F男人2.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阿基米德\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太保壽險(xiǎn)（太平洋人壽）\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(xiǎn)\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可選疾病關(guān)愛(ài)金\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重疾補(bǔ)償金\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大公司品牌\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\u002F1322172205257584640\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E還有一款人保壽險(xiǎn)的i無(wú)憂3.0也不錯(cuò)，核保也比較寬松，針對(duì)甲狀腺癌也有機(jī)會(huì)承保，非常友好。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E那如果你對(duì)上面介紹的產(chǎn)品感興趣，想按自己年齡測(cè)算要多少錢(qián)，或有結(jié)節(jié)等體檢異常，不確定自己是否能順利買(mǎi)和理賠，可以\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fconsult\u002F?channel=WEB0081\" target=\"_blank\" rel=\"noopener\"\u003E\u003Cspan style=\"text-decoration: underline;\"\u003E\u003Cspan style=\"color: #0074ff; text-decoration: underline;\"\u003E\u003Cstrong\u003E點(diǎn)這里\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E咨詢。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E四、定期壽險(xiǎn)\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E那最后一個(gè)是定期壽險(xiǎn)，聽(tīng)好了，如果你是家里面負(fù)責(zé)掙錢(qián)的，特別是還背著房貸、車(chē)貸，這種保險(xiǎn)最好盡早配置一份。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E萬(wàn)一人不在了，起碼還可以留一大筆錢(qián)給家人，保障他們后續(xù)的生活。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E正所謂留愛(ài)不留債，才是真正地對(duì)家庭負(fù)責(zé)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E價(jià)格也不貴，30歲男，買(mǎi)100萬(wàn)保額，保到60歲（繳費(fèi)30年），每年保費(fèi)就一千出頭。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E女性朋友買(mǎi)，價(jià)格還會(huì)便宜很多，600塊錢(qián)左右就能搞定，市面上在售的好產(chǎn)品，我都幫大家整理在下面這種表格里了：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cimg style=\"vertical-align: baseline;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914948290918797312\u002F4_副本.png\" alt=\"圖片\" width=\"1080\" height=\"817\" data-s=\"300,640\" data-type=\"png\" data-imgfileid=\"100180126\" data-original-style=\"null\" data-index=\"9\" data-before-load-time=\"1745388440437\" data-report-img-idx=\"9\" data-fail=\"0\" data-ratio=\"0.7564814814814815\" data-w=\"1080\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E如果你追求極致的性價(jià)比\u003C\u002Fstrong\u003E，首選就是\u003Cstrong\u003E定海柱6號(hào)！\u003C\u002Fstrong\u003E\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\u002F2024\u002F11\u002F27\u002F1861711549820424192\u002F夫妻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定海柱6號(hào)\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國(guó)富人壽\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壽險(xiǎn)\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交通意外額外賠\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猝死額外賠\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\u002F1308034504918233088\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E它由國(guó)富人壽承保，它最大特點(diǎn)就是價(jià)格很便宜，且健康告知寬松，性價(jià)比非常高。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E另外，這款產(chǎn)品還可以附加猝死額外賠、交通意外額外賠等保障，大家可以按需求選擇～\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E表里還有一款北京人壽的擎天柱9號(hào)，價(jià)格相近，健康告知也很寬松，不問(wèn)抑郁癥、先天性疾?。ǔ讼忍煨孕呐K病）、遺傳性疾病，戳這里獲取投保鏈接。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E華貴人壽的大麥2024也值得考慮，該系列口碑向來(lái)不錯(cuò)，性價(jià)比很高，最近健康告知還去掉了對(duì)肺結(jié)節(jié)的問(wèn)詢，變得更加寬松。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E\u003Cstrong\u003E夫妻一起買(mǎi)，還可以選它家的大麥甜蜜家2024\u003C\u002Fstrong\u003E，一張保單可以同時(shí)保夫妻兩人，且保額互相獨(dú)立。\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\u002F2024\u002F12\u002F23\u002F1871135773551087616\u002F夫妻2.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大麥甜蜜家2024\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華貴保險(xiǎn)\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壽險(xiǎn)\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夫妻共同投保\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夫妻保障最高400%保額\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\u002F1305480872700080128\" target=\"_blank\" rel=\"noopener\"\u003E 查看測(cè)評(píng) \u003C\u002Fa\u003E\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003C\u002Fdiv\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果一人先出險(xiǎn)，另外一人的保費(fèi)可以不用交，保障繼續(xù)有效；如果兩人同時(shí)遭遇不幸，保額會(huì)同時(shí)翻2倍，買(mǎi)100萬(wàn)賠400萬(wàn)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E不過(guò)大麥這兩款產(chǎn)品，條款都規(guī)定了對(duì)酒駕、無(wú)證駕駛等免責(zé)，你們要注意一下。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E臻愛(ài)2024由同方全球人壽承保，更適合想要返還保費(fèi)的朋友。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我們也計(jì)算了返還保費(fèi)的收益率，以“100萬(wàn)保額，30歲，保30年，交30年”測(cè)算，收益率接近2.5%，即預(yù)定利率上限，表現(xiàn)不錯(cuò)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E定壽產(chǎn)品杠桿很高，幾百上千塊就能買(mǎi)到上百萬(wàn)的保額，如果你對(duì)這幾款產(chǎn)品感興趣，可以點(diǎn)這里預(yù)約咨詢。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上，我介紹的這四種保險(xiǎn)，其實(shí)全部配下來(lái)也不貴，每年花個(gè)幾千塊，就能給自己和給家人，都做到比較全面的保障。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E了解完后，我們來(lái)實(shí)操看看，到底怎么搭配一套保障齊全的方案。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E五、30歲左右，收入有限，如何搭配保障全面的方案？\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我最近剛好給一位老客戶，配了一份性價(jià)比很高的方案，每年7000多搞定，保障很全面。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E每月折算下來(lái)只要600多塊錢(qián)，價(jià)格很劃算，買(mǎi)完安心多了：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cimg style=\"vertical-align: baseline;\" src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914948555872346112\u002F5_副本.png\" alt=\"圖片\" width=\"1080\" height=\"566\" data-imgfileid=\"100180120\" data-s=\"300,640\" data-type=\"png\" data-original-style=\"null\" data-index=\"11\" data-before-load-time=\"1745388441686\" data-report-img-idx=\"11\" data-fail=\"0\" data-ratio=\"0.524074074074074\" data-w=\"1080\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E簡(jiǎn)單了解下韓先生的家庭情況：他今年30歲，結(jié)婚兩年，兒子剛滿月，老婆是全職主婦，還有老家的父母要贍養(yǎng)，加班工作壓力也大，經(jīng)濟(jì)負(fù)擔(dān)不小。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E于是就找到我們幫忙配置保險(xiǎn)，轉(zhuǎn)移因疾病和意外帶來(lái)的經(jīng)濟(jì)風(fēng)險(xiǎn)，不想將來(lái)因?yàn)闆](méi)錢(qián)治病拖累家人。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E考慮到他從事的行業(yè)在裁員，目前收入吃緊，就建議暫時(shí)先配置他作為家庭經(jīng)濟(jì)支柱的保障，等過(guò)一兩年經(jīng)濟(jì)情況好轉(zhuǎn)，再為一家三口和老家父母配置保險(xiǎn)，這樣全家人更安心。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E下面，我們一起來(lái)看看方案的具體情況：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E百萬(wàn)醫(yī)療險(xiǎn)：太平洋的新品\u003Cstrong\u003E藍(lán)醫(yī)保（好醫(yī)好藥版）\u003C\u002Fstrong\u003E，大公司出品很放心，不僅保證續(xù)保20年，而且外購(gòu)藥等各方面的保障都很出色，只要兩百多就能買(mǎi)到；\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E意外險(xiǎn)：\u003Cstrong\u003E大護(hù)甲6號(hào)旗艦版（至尊版），\u003C\u002Fstrong\u003E人保老牌大公司出品，保障全面，可報(bào)銷(xiāo)私立醫(yī)院普通部，價(jià)格只要288元很劃算；\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E重疾險(xiǎn)：配置的是新品\u003Cstrong\u003E哪吒1號(hào)\u003C\u002Fstrong\u003E，性價(jià)比非常高，50萬(wàn)保額、保終身，30年繳費(fèi)僅需5000多塊錢(qián)就搞定，各方面的保障都很全面；\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E定期壽險(xiǎn)：選的是市場(chǎng)關(guān)注度很高的產(chǎn)品\u003Cstrong\u003E定海柱6號(hào)\u003C\u002Fstrong\u003E，價(jià)格便宜，健康告知很寬松，大家可以重點(diǎn)考慮入手。\u003C\u002Fspan\u003E\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上，整套方案提供了較全面的疾病和意外保障，價(jià)格也不貴，他感到十分滿意，去醫(yī)院體檢的底氣也更足了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E不過(guò)話說(shuō)回來(lái)，每個(gè)人收入、身體狀況不同，買(mǎi)的產(chǎn)品也有所差別，大家還是要根據(jù)實(shí)際情況來(lái)選擇適合自己的保險(xiǎn)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果你也讓我們幫忙定制這種高性價(jià)比的方案，可以直接\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fconsult\u002F?channel=WEB0081\" target=\"_blank\" rel=\"noopener\"\u003E\u003Cspan style=\"text-decoration: underline;\"\u003E\u003Cspan style=\"color: #0074ff; text-decoration: underline;\"\u003E\u003Cstrong\u003E點(diǎn)這里\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fspan\u003E\u003C\u002Fa\u003E咨詢，有專(zhuān)人解答。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Ch2 style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E六、寫(xiě)在最后\u003C\u002Fspan\u003E\u003C\u002Fh2\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我知道很多朋友買(mǎi)保險(xiǎn)都會(huì)有顧慮，擔(dān)心錢(qián)少買(mǎi)不到什么好的保障，總是一拖再拖、想等有錢(qián)再說(shuō)。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E但其實(shí)買(mǎi)保險(xiǎn)是一件豐儉由人的事情，錢(qián)少有錢(qián)少的買(mǎi)法，錢(qián)多也有全面的買(mǎi)法，配置上是非常靈活的。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E咱們不管有錢(qián)沒(méi)錢(qián)，都要想辦法將風(fēng)險(xiǎn)轉(zhuǎn)移出去，不能裸奔??！\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E以上就是今天關(guān)于“30-45歲收入有限怎么買(mǎi)保險(xiǎn)？”的全部?jī)?nèi)容了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E我們也會(huì)經(jīng)常分享一些配置保險(xiǎn)的策略，告訴大家怎樣在預(yù)算有限的情況下，如何買(mǎi)到合適的高性價(jià)比產(chǎn)品～\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"line-height: 2em; margin-bottom: 10px;\"\u003E\u003Cspan style=\"font-size: 16px;\"\u003E如果實(shí)在沒(méi)時(shí)間研究產(chǎn)品，怕買(mǎi)錯(cuò)踩坑，也可以\u003Cstrong\u003E點(diǎn)擊下方卡片\u003C\u002Fstrong\u003E咨詢，有專(zhuān)業(yè)規(guī)劃師給你介紹。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003C\u002Fsection\u003E",createTime:N,view:1423,title:C,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2025\u002F04\u002F23\u002F1914949700544679936\u002Fdate-2276564_640.jpg",intro:aK,likesCount:d,preArticle:{id:"1914931054473326592",title:"五一旅游意外險(xiǎn)測(cè)評(píng)！境內(nèi)境外都有好產(chǎn)品，最低只要幾十塊"},nextArticle:{id:"1915232013903532032",title:"無(wú)健康告知的百萬(wàn)醫(yī)療險(xiǎn)，人保出品，得了癌癥也能買(mǎi)！和眾民保比怎么樣？"},tags:[{id:"118112914424308501",name:aL,articleCount:d,often:k},{id:"119101819302000701",name:aM,articleCount:d,often:k}],publishTime:"2025-04-23 15:46:20",articleTypeNames:l,createUser:"LilyKong 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