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三代产品讲重疾险-学习笔记

  • 2026-03-14 14:52:17
三代产品讲重疾险-学习笔记
目前市面的重疾险五花八门,今天用最简单易懂的方式梳理清楚,快速甄别产品的本质,锁定自己想要的产品类型
我们大致把重疾险分为这三代,如下方图片所示
1.0第一代是重疾单次赔付的产品,意思就是买了这个重疾险,如果得了重疾就赔付1次,赔完合同就结束了。
之前有个客户来找到我的同事说,她之前买过重疾险,得了乳腺癌赔付了50万,治病这块也有社保+商业保险报销了,现在恢复得很好,像正常人一样去上班了。现在生活状态挺好的,想找我们经纪人再买一份重疾险。我同事虽然很想帮助她,但是不好意思,她由于得过重疾,很难再买到重疾险和其他健康保险了。客户说,我才三十多岁,现在身体状态也跟正常人没啥区别了,连续追问了三次真的不行吗?确实很遗憾。
2.0第二代就是分组多次赔付的产品,如果客户一开始买的是这种产品,就没有现在的遗憾,因为这个产品赔完一次后,合同仍然继续有效,责任并不会终止,还可以继续赔付。
但是,也有比较大的局限性。如下图所示,通常情况下,这种分组的产品会把几十种的病种手术分为四组,同一组的病种不能重复赔。假设一个人得了第三组的心梗这个重疾,可以得到100万的赔付,一年后病恢复不好,需要做搭桥手术,但是由于搭桥术和心梗都是属于第三组的,所以没办法再赔第二次了,如果一年后得了恶性肿瘤就可以再次获得100万的赔付。
这种产品把有关联的疾病,容易连带产生的放在同一组,像第一组有关器官的,第二组是神经系统相关的,第三组是心脑血管相关的,第四组是其他疾病。
3.0第三代就是不分组多次赔付的产品,这种对客户来说就会更友好了。无论两个疾病是否有关联,只要达到合同约定的,就可以再次赔付,无需受分组限制,适合追求优秀产品,保障全面的客户。
那么不分组多次赔付是不是会比较贵呢?未必哦!
产品定价还涉及到保险公司的经营费用,保障条款内容,客户服务投入等。以下的“不可能三角”都需要综合考虑。
品牌服务建议选股东背景强的,经营稳健的,毕竟一交就是几十年的费用。这边推荐中外合资的公司,例如中英,中意,同方全球,工银安盛等实力很强大的,背景硬的,价格也是比较靓仔的。
保障条款是建议不分组多次赔付的,还有轻症,中症,赔多少次,有无投被保人豁免,不同年龄赔付多少比例的保额,都需要综合考虑进去的。建议找专业的保险经纪人帮你解释,以及避坑。
最后,有关于保险或者其他合作想法的,欢迎交流、交友。

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  138. /yingpanguazai/ssd/ssd1/www/no.67808.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/no.67808.cn/runtime/temp/6df755f970a38e704c5414acbc6e8bcd.php ( 12.06 KB )
  140. /yingpanguazai/ssd/ssd1/www/no.67808.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000571s ] mysql:host=127.0.0.1;port=3306;dbname=no_67808;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000692s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000645s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000294s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000572s ]
  6. SELECT * FROM `set` [ RunTime:0.000932s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000660s ]
  8. SELECT * FROM `article` WHERE `id` = 474071 LIMIT 1 [ RunTime:0.001718s ]
  9. UPDATE `article` SET `lasttime` = 1773570320 WHERE `id` = 474071 [ RunTime:0.000912s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.000313s ]
  11. SELECT * FROM `article` WHERE `id` < 474071 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001141s ]
  12. SELECT * FROM `article` WHERE `id` > 474071 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.005067s ]
  13. SELECT * FROM `article` WHERE `id` < 474071 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.007610s ]
  14. SELECT * FROM `article` WHERE `id` < 474071 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.012792s ]
  15. SELECT * FROM `article` WHERE `id` < 474071 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.012324s ]
0.120766s