健康险是留给未来的急用现金
<div><p style="white-space: normal;"></p><section powered-by="xiumi.us" style="font-size: 16px; white-space: normal; max-width: 100%; background-color: rgb(255, 255, 255); box-sizing: border-box !important; word-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><section style="max-width: 100%; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important;"><p style="line-height: 24px;">TOP论坛金牌讲师 <span style="color: rgb(0, 122, 170); letter-spacing: 1.5px; text-indent: 37px;"> 韦正喜</span></p><p style="text-align:center;line-height:150%"><span style="color: rgb(0, 122, 170); letter-spacing: 1.5px; text-indent: 37px;">健康险保额从百万起步</span></p><p style="text-align:center;line-height:150%">常见认识误区</p><p style="line-height: 24px;">共计<span style="color: rgb(0, 122, 170); letter-spacing: 1.5px; text-indent: 37px;"> 3165 </span>字 建议阅读时间：<span style="color: rgb(0, 122, 170);"><span style="letter-spacing: 1.5px;">6 </span></span>分钟<br></p><p style="line-height: 24px;"><br></p></section><section style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><hr style="color: rgb(62, 62, 62); max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><section style="box-sizing: border-box;"><section class="Powered-by-XIUMI V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section class="" style="margin-top: 10px; margin-bottom: 10px; box-sizing: border-box;"><section class="" style="padding: 10px; display: inline-block; width: 556px; border-width: 2px; border-style: dotted; border-color: rgb(192, 200, 209); border-radius: 0.7em; box-sizing: border-box;"><section class="Powered-by-XIUMI V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="line-height: 24px;"><span style="line-height: 24px; font-family: 宋体;"></span></p></section><p>保险姓保？它保的是什么，多少才算保护到位？一组理赔数据告诉我们中国健康险市场的真相：<span style="color: rgb(0, 122, 170);background-color: rgb(255, 255, 255);">客户购买健康险的实际保额始终滞后于他未来的实际需求。</span><span style="color: rgb(0, 122, 170);background-color: rgb(255, 255, 255);">健康险的保额要匹配未来的经济增速、医疗成本、人性诉求，要用未来的眼光看待今天的保额。</span></p></section></section></section></section></section></section></section></section></section><section style="background-color: rgb(255, 255, 255); box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; text-align: center;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; margin-bottom: -0.9em; box-sizing: border-box;"><section style="display: inline-block; vertical-align: bottom; border-right: 0.4em solid rgb(147, 54, 29); border-top: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-bottom: 0.4em solid transparent !important; border-left: 0.4em solid transparent !important; box-sizing: border-box;"></section><section class="" style="display: inline-block; vertical-align: top; border-radius: 5px 5px 0px 0px; background-color: rgb(241, 54, 63); padding: 2px 5px; font-size: 24px; line-height: 1.2em; color: rgb(255, 255, 255); max-width: 90% !important; box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">1</p></section><section style="display: inline-block; vertical-align: bottom; border-top: 0.4em solid rgb(147, 54, 29); border-left: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-right: 0.4em solid transparent !important; border-bottom: 0.4em solid transparent !important; box-sizing: border-box;"></section></section><section class="" style="height: 0.9em; border-top: 3px solid rgb(0, 0, 0); width: 100%; box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="color: rgb(4, 4, 4); box-sizing: border-box;"><p style="text-align: center; box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="box-sizing: border-box;">一组数据看健康险市场</span></strong></p><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></strong></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><section style="box-sizing: border-box;">1</section></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">理赔高发年龄低</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">据新浪财经对中国大陆理赔数据的报道，保险理赔高发年龄段在31岁到60岁。这个年龄被保险人正处于上有老，下有小的顶梁柱阶段。</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">2</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">住院赔付低</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">住院费用赔付一般占到保险公司全年赔付总量的47%，其中78%的理赔案例只有在4000块以下的赔付金额。这就是为什么很多人拥有保险，但是觉得保险没啥用的重要原因。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">3</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">重疾件均赔付低</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">重大疾病件均赔付只有7.7万元，其中50%以上的赔付都在6万以下。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px;box-sizing: border-box; "><section class="" style="padding-top: 2px; padding-bottom: 2px; box-sizing: border-box;"><section style="height: 4px; transform: rotate(0deg); -webkit-transform: rotate(0deg); -moz-transform: rotate(0deg); -o-transform: rotate(0deg); float: left; margin-top: -3px; background-color: rgb(254, 255, 255); box-sizing: border-box;"><section style="width: 4px; height: 4px; border-radius: 100%; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section><section style="border-top: 1px solid rgb(0, 122, 170); margin-top: -2px; border-right-color: rgb(0, 122, 170); border-bottom-color: rgb(0, 122, 170); border-left-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section class="" style="width: 100%; padding: 10px; box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="color: rgb(0, 122, 170); box-sizing: border-box;"><p style="clear: none; box-sizing: border-box;">结论：<span style="letter-spacing: 0px; box-sizing: border-box;">客户购买健康险的实际保额始终滞后于他未来的实际需求。</span></p></section></section></section></section><section style="width: 100%; text-align: right; box-sizing: border-box;"><section style="height: 4px; margin-top: -2px; float: right; transform: rotate(0deg); -webkit-transform: rotate(0deg); -moz-transform: rotate(0deg); -o-transform: rotate(0deg); background-color: rgb(254, 255, 255); box-sizing: border-box;"><section style="width: 4px; height: 4px; border-radius: 100%; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section><section style="clear: both; box-sizing: border-box;"></section><section style="border-top: 1px solid rgb(0, 122, 170); margin-top: -2px; margin-bottom: 2px; border-right-color: rgb(0, 122, 170); border-bottom-color: rgb(0, 122, 170); border-left-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; text-align: center;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; margin-bottom: -0.9em; box-sizing: border-box;"><section style="display: inline-block; vertical-align: bottom; border-right: 0.4em solid rgb(147, 54, 29); border-top: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-bottom: 0.4em solid transparent !important; border-left: 0.4em solid transparent !important; box-sizing: border-box;"></section><section class="" style="display: inline-block; vertical-align: top; border-radius: 5px 5px 0px 0px; background-color: rgb(241, 54, 63); padding: 2px 5px; font-size: 24px; line-height: 1.2em; color: rgb(255, 255, 255); max-width: 90% !important; box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">2</p></section><section style="display: inline-block; vertical-align: bottom; border-top: 0.4em solid rgb(147, 54, 29); border-left: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-right: 0.4em solid transparent !important; border-bottom: 0.4em solid transparent !important; box-sizing: border-box;"></section></section><section class="" style="height: 0.9em; border-top: 3px solid rgb(0, 0, 0); width: 100%; box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="text-align: center; box-sizing: border-box;"><strong style="box-sizing: border-box;">为什么要买健康险</strong></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><section style="box-sizing: border-box;">1</section></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">风险发生的概率高</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">“人体有8大系统，36个重要器官，206块骨头，23万亿个细胞，除了头发不会病变以外，其余都有病变的可能。”——这是我每次都会跟客户讲到的一句话。因为很多人其实并不了解自己的身体。在我们的人体器官构成当中，每一个部件都是有可能病变的，而且病变的可能性几乎是百分之百的。除了头发你可以随意折腾，不用担心出状况之外，其它器官都有可能病变。所以，人体生病是必然的。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(0, 122, 170); box-sizing: border-box;">人的一生发生风险有两种方式，第一种叫做意外，第二种叫做疾病。据科学统计，一个人发生重大疾病的概率高达72.18%</span>（来源：国家卫生部2008年6月数据）。每分钟有6位新发的癌症患者被检测出来。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">2</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">对生活的影响大</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="color: rgb(0, 122, 170); box-sizing: border-box;">重大疾病会带来“两断”，一个是收入中断，还有一个是花钱不断。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">例如一个年薪百万的人，或是拥有巨额财富的私营企业主，就算是有再好的企业福利，再多的财富，也不可能随随便便回去休息一年两年，工资照发，收入不减。所以越是高端的客户，收入越是没有保障。</p><p style="box-sizing: border-box;"><br></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">3</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">不同保障的人面对大病的状态不同</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">一个拥有500万重疾保障和一个拥有50万大病保障的人，以及一个没有买过健康险的人，这三类人面对重大疾病的时候，状态是不一样的。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">没有买重大疾病的人，一旦查出，他第一反应就会想：我为什么会发生重大疾病？因为他不相信自己会发生，所以他认为不需要买保险。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">而有50万重疾保障的人，一旦查出罹患重疾，他会想：我怎么会这么快就生重大疾病？因为他还没有准备好，他觉得生重疾的概率高，但自己身体一直很好，先买50万，以后再说。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">但是保额是500万的客户，面对重大疾病，他早 就做好了未来生活的规划和安排，因为他觉得重疾概率这么高，谁知道自己会不会生病，不如早做准备早安心，有病防病，无病养老，从容过一生。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"></span></p><p><img data-s="300,640" data-type="jpeg" data-src="https://mmbiz.qpic.cn/mmbiz_jpg/YIPxibnWBQk9GPIJI7qxRKiaGCPTaNevyezmjN5iarjD49FgsQ8ic0mfQZrkgAG0KKjiccnsAylGebLhxA0vuVcFSzA/0?wx_fmt=jpeg" class="" data-ratio="0.7653061224489796" data-w="392" style="width: 100%; height: auto;"></p><p style="box-sizing: border-box;"><br></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; text-align: center;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; margin-bottom: -0.9em; box-sizing: border-box;"><section style="display: inline-block; vertical-align: bottom; border-right: 0.4em solid rgb(147, 54, 29); border-top: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-bottom: 0.4em solid transparent !important; border-left: 0.4em solid transparent !important; box-sizing: border-box;"></section><section class="" style="display: inline-block; vertical-align: top; border-radius: 5px 5px 0px 0px; background-color: rgb(241, 54, 63); padding: 2px 5px; font-size: 24px; line-height: 1.2em; color: rgb(255, 255, 255); max-width: 90% !important; box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">3</p></section><section style="display: inline-block; vertical-align: bottom; border-top: 0.4em solid rgb(147, 54, 29); border-left: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-right: 0.4em solid transparent !important; border-bottom: 0.4em solid transparent !important; box-sizing: border-box;"></section></section><section class="" style="height: 0.9em; border-top: 3px solid rgb(0, 0, 0); width: 100%; box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="text-align: center; box-sizing: border-box;"><strong style="box-sizing: border-box;">为什么要100万起步</strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">健康保险不仅要解决个人的医疗费用问题，还要解决重大疾病所带来的家庭财务问题。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">如果一个人真的患了重疾，有3笔费用是必须要花的：<span style="letter-spacing: 0px; box-sizing: border-box;">1.医疗费；2.康复费；3.收入损失费 。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><section style="box-sizing: border-box;">1</section></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">治疗费用</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">按照现在的医疗费用水平，一般的重大疾病手术费、治疗费都在30-50万左右；</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">2</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">康复费用</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">除了巨额的治疗费外，还需要考虑手术成功后的康复费用。中国已经步入老龄化社会，医护资源越来越紧张，所以用药、护理的费用一年至少也在10万左右，重疾的康复期一般是5年，这样就得准备50万；</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">3</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">家庭开支</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; line-height: 1;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; box-sizing: border-box;"><span style="width: 0px; display: inline-block; opacity: 0.6; border-left: 0.6em solid rgb(0, 122, 170); border-top: 0.5em solid transparent !important; border-bottom: 0.5em solid transparent !important; box-sizing: border-box;"> </span><span style="width: 0px; display: inline-block; border-left: 0.6em solid rgb(0, 122, 170); border-top: 0.5em solid transparent !important; border-bottom: 0.5em solid transparent !important; box-sizing: border-box;"> </span> </section><section class="" style="display: inline-block; vertical-align: top; line-height: 1.2; padding-left: 3px; box-sizing: border-box;"><p style="box-sizing: border-box;">生病不仅要花钱，还有收入中断的风险</p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">治疗需要费用，家庭正常的开支也需要费用，否则整个家庭的生活品质就会下降。假如家庭一年的开支是20万，5年就是100万。</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">这么算下来，<span style="color: rgb(0, 122, 170); box-sizing: border-box;">重疾险的基本保额都应该在100万以上。而且这个保额是动态的，既要匹配家庭的收入水平，还要随着家庭年收入的提升而提升，这样才能确保家庭生活品质不受影响。</span></p><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; line-height: 1;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; box-sizing: border-box;"><span style="width: 0px; display: inline-block; opacity: 0.6; border-left: 0.6em solid rgb(0, 122, 170); border-top: 0.5em solid transparent !important; border-bottom: 0.5em solid transparent !important; box-sizing: border-box;"> </span><span style="width: 0px; display: inline-block; border-left: 0.6em solid rgb(0, 122, 170); border-top: 0.5em solid transparent !important; border-bottom: 0.5em solid transparent !important; box-sizing: border-box;"> </span> </section><section class="" style="display: inline-block; vertical-align: top; line-height: 1.2; padding-left: 3px; box-sizing: border-box;"><p style="box-sizing: border-box;">要用未来的眼光看待今天的保额</p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="color: rgb(0, 122, 170); box-sizing: border-box;">健康险的保额要匹配未来的经济增速、医疗成本、人性诉求，要用未来的眼光看待今天的保额。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">想想十年前的医疗水平和现在一样吗？那时候很多病有钱也看不好。现在，随着医疗技术的发展，很多病可以治好，但越来越贵。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">医疗方案的</span><span style="letter-spacing: 0px; box-sizing: border-box;">差异化</span><span style="letter-spacing: 0px; box-sizing: border-box;">越来越大，普通病房和特护病房、公立医院和私立医院，地方区域和世界范围等差异是非常巨大的，同样的疾病所获得的医疗资源是不一样的，支出的医疗费用也是不一样的。所以，一定要站在未来的需求角度，看今天的购买决定。</span></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px; text-align: center;box-sizing: border-box; "><section class="" style="display: inline-block; vertical-align: top; margin-bottom: -0.9em; box-sizing: border-box;"><section style="display: inline-block; vertical-align: bottom; border-right: 0.4em solid rgb(147, 54, 29); border-top: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-bottom: 0.4em solid transparent !important; border-left: 0.4em solid transparent !important; box-sizing: border-box;"></section><section class="" style="display: inline-block; vertical-align: top; border-radius: 5px 5px 0px 0px; background-color: rgb(241, 54, 63); padding: 2px 5px; font-size: 24px; line-height: 1.2em; color: rgb(255, 255, 255); max-width: 90% !important; box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">4</p></section><section style="display: inline-block; vertical-align: bottom; border-top: 0.4em solid rgb(147, 54, 29); border-left: 0.4em solid rgb(147, 54, 29); max-width: 5% !important; border-right: 0.4em solid transparent !important; border-bottom: 0.4em solid transparent !important; box-sizing: border-box;"></section></section><section class="" style="height: 0.9em; border-top: 3px solid rgb(0, 0, 0); width: 100%; box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="text-align: center; box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">几个常见</strong><strong style="box-sizing: border-box;">误区</strong></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><section style="box-sizing: border-box;">1</section></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">低端客户买不起，高端客户没有兴趣</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">其实，越是高端客户，他对买不到的东西越是感兴趣。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">我有一个客户，是1982年出生的富二代，接管了家族企业，意气风发。当他准备购买一张1000万保额的健康险时被保险公司拒保了，原因是他有乙肝小三阳。我们以为只要加费就可以承保了，但是公司不同意，这张保单最终没有承保。结果，他认识到<span style="color: rgb(0, 122, 170); box-sizing: border-box;">保险是有钱也买不到的东西，不是想买就能买的，所以，一定要乘健康时买足额的保险。</span>于是，他就给家人全部购买了大额的健康险保单。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">2</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">我没那么多钱去买高保额的健康险</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">经常有客户跟我讲：“我现在想买100万保额、200万保额，但是一年要缴几万块保费，支出压力太大了。”</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;">如果你把健康险当做是你的现金资产，你就不会嫌多了。大多数的健康险都是保终身的还本型保险，是专款专用的钱，是急用时的现金。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">很多人在投资房产的时候，也是没有能力一次性买下来，但为什么贷款也要买呢？因为他们把房产看做资产，而不是负债。为什么不买高额的保险呢？因为觉得是花出去的钱，不是资产。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">其实高额健康险跟一套用于投资的房产相比，高额健康险可能更实用一些。因为房产的变现能力太差。有人说，我生病了就卖套房子治病。但你能跟医生说：医生，你先给我治病吧，等我把房子卖掉了再给你钱。医生会同意吗？不同意怎么办？急卖的房屋是卖不上价格的。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">现在只要花几万块钱，就可以为将来减少100万的支出，为什么不做呢？<span style="color: rgb(0, 122, 170); box-sizing: border-box;">今天你不对未来“负债”，那今天就一定对未来“负罪”，这是非常重要的。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">3</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">得癌症就不治了，吃吃玩玩，旅旅游</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">如果真是这样，医院要加开一个科，叫旅游科。把生重大疾病的人都转到旅游科。然而这只是句玩笑话。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">有一个真实的案例，我的一个客户，他父亲72岁，烟瘾很大，他母亲总是劝他父亲不要抽烟了，他父亲说：抽死拉倒。结果那年体检查出来是早期肺癌，他父亲第二天就把烟戒掉了。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">说健康险没用的人都是感觉自己很健康的人，认为风险离他很远，所以他才会说这样的话。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;">有客户跟我较真说：“我真的能做到生病了不看病。”我说：“那请你回答一个简单的问题，看看你是否真能做到。假如你父亲现在七十多岁查出来是肺癌，他说：‘不治了，你把针拔了吧！’你能跑到医生那边跟医生说：‘我爸说他不看了，把针拔了吧。’你能做到吗？你一定不会这样做，如果这样做，你就背上了一个不孝的骂名。再说生大病的时候，连拔针的力气都没有了，治与不治都不是你说了算的，是你儿子说了算的，他会给你把针拔了吗？他怎么可能不给你治病呢？今天就为了这三万、五万块钱，非得让你的孩子背上那个骂名，你又于心何忍呢？”</p><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box; line-height: 1;"><section class="" style="display: inline-block; border-bottom: 2px solid rgb(0, 122, 170); padding-right: 2px; padding-bottom: 3px; padding-left: 2px; box-sizing: border-box;"><section class="" style="display: inline-block; padding: 0.3em 0.4em; min-width: 1.8em; min-height: 1.6em; line-height: 1; text-align: center; border-radius: 80% 100% 90% 20%; background-color: rgb(0, 122, 170); color: rgb(255, 255, 240); box-sizing: border-box; word-wrap: break-word !important;"><p style="box-sizing: border-box;">4</p></section><span style="display: inline-block; margin-left: 0.4em; max-width: 100%; color: rgb(0, 122, 170); line-height: 1.4; word-wrap: break-word !important; box-sizing: border-box;" class=""><p style="box-sizing: border-box;">这么点小病就不给保了，太不公平了</p></span> </section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">前面讲过，健康险要乘早买，要买足额，否则一个小小的乙肝小三阳就会被拒保。这不是不公平，这是非常公平。因为健康险的费率都是根据生命表，按标准体（健康体）来计算的。如果不健康的人承保进来，会增加赔付率，保险费就会增加。这对健康的人来说是很不公平的。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">健康险跟风险有关，保险公司给你预留了三扇门：一扇是敞开的大门，一扇是关闭的大门，一扇是虚掩的门。</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">敞开的门就是你身体健康，可以顺利通过，那恭喜你；</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;">关闭的门就是你的身体已经出现问题了，你有再多的钱，保险公司也不敢承保了；</span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px; color: rgb(0, 122, 170); box-sizing: border-box;">虚掩的门是一扇即将关闭的门，表示你虽然身体有一点问题，但问题不大，设置附加条件即可承保，所以这第三扇门你可以挤挤就进去了。也就是加费，责任免除，延迟投保等。因为健康问题是不可逆的，承保总比拒保好，早买总比晚买好，加费总比买不到好。虽然比别人贵了，但是也要恭喜你，因为再过几年，或者下一刻你就不能买了。</span></p><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" margin-top: 10px; margin-bottom: 10px;box-sizing: border-box; "><section class="" style="padding-top: 2px; padding-bottom: 2px; box-sizing: border-box;"><section style="height: 4px; transform: rotate(0deg); -webkit-transform: rotate(0deg); -moz-transform: rotate(0deg); -o-transform: rotate(0deg); float: left; margin-top: -3px; background-color: rgb(254, 255, 255); box-sizing: border-box;"><section style="width: 4px; height: 4px; border-radius: 100%; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section><section style="border-top: 1px solid rgb(0, 122, 170); margin-top: -2px; border-right-color: rgb(0, 122, 170); border-bottom-color: rgb(0, 122, 170); border-left-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section class="" style="width: 100%; padding: 10px; box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="clear: none; box-sizing: border-box;">结论：高额健康险能够保证在未来有一笔稳定的专款专用的健康基金，确保我们未来的生活品质和医疗品质不受影响，使企业和家庭能正常运转，这是非常重要的。</p></section></section></section></section><section style="width: 100%; text-align: right; box-sizing: border-box;"><section style="height: 4px; margin-top: -2px; float: right; transform: rotate(0deg); -webkit-transform: rotate(0deg); -moz-transform: rotate(0deg); -o-transform: rotate(0deg); background-color: rgb(254, 255, 255); box-sizing: border-box;"><section style="width: 4px; height: 4px; border-radius: 100%; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section><section style="width: 4px; height: 4px; border-radius: 100%; margin-left: 0.5em; float: left; background-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section><section style="clear: both; box-sizing: border-box;"></section><section style="border-top: 1px solid rgb(0, 122, 170); margin-top: -2px; margin-bottom: 2px; border-right-color: rgb(0, 122, 170); border-bottom-color: rgb(0, 122, 170); border-left-color: rgb(0, 122, 170); box-sizing: border-box;"></section></section></section></section></section><section class="Powered-by-XIUMI V5" style=" box-sizing: border-box; " powered-by="xiumi.us"><section class="" style=" box-sizing: border-box; "><section class="" style="box-sizing: border-box;"><p style="font-size: 16px; white-space: normal; color: rgb(20, 32, 246); text-align: center; background-color: rgb(255, 255, 255); box-sizing: border-box;"><strong style="letter-spacing: 1.5px; text-indent: 32px; color: rgb(62, 62, 62); max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">- END -</strong></p><p style="font-size: 16px; white-space: normal; color: rgb(20, 32, 246); text-align: center; background-color: rgb(255, 255, 255); box-sizing: border-box;"><strong style="letter-spacing: 1.5px; text-indent: 32px; color: rgb(62, 62, 62); max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"></strong></p><p class="p1" style="font-size: 16px; white-space: normal; color: rgb(20, 32, 246); text-align: center; background-color: rgb(255, 255, 255);"><em><span style="text-indent: 32px; max-width: 100%; color: rgb(63, 63, 63); letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></em></p><p class="p1" style="font-size: 16px; white-space: normal; color: rgb(20, 32, 246); background-color: rgb(255, 255, 255);"><em><span style="text-indent: 32px; max-width: 100%; color: rgb(63, 63, 63); letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;">欢迎大家在文章下方留言或转发朋友圈，发表您的感悟，让更多的人了解保险。</span></em></p><p style="font-size: 16px; white-space: normal; color: rgb(20, 32, 246); text-align: center; background-color: rgb(255, 255, 255);"><br></p><p style="font-size: 16px; white-space: normal; max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); background-color: rgb(255, 255, 255); box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; color: rgb(63, 63, 63); font-size: 15px; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;">专题编辑：颖子</span></p></section></section></section></section></div>
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