如果明天有72%的中奖概率，你会买吗？
<p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果明天72 %的几率下雨，</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">你会带伞吗？</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">99%的人会选择带伞出门。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果明天买彩票有72%几率中奖，</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">你会怎么做？</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">99%的人会选择去买。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">如果人的一生</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">有72.18%几率重大疾病来敲门，</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">你会给自己一份保障吗？</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">同样的72.18%几率，</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">你的回答有不同吗？</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="" data-copyright="0" data-ratio="0.7802944507361268" data-s="300,640" data-type="jpeg" data-w="883" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FlZxHD0FZlMhJujaI7hQd1cX6sRlhF2aEDiaodXkx45BE5YIjBbekq1icnMjAtKSEMxVcGxTQicWvCiawRubL0OOTsw%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 637px !important;visibility: visible !important;"></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-tools="135编辑器" data-id="86264" data-color="#e2561b" data-custom="#e2561b" style="max-width: 100%;box-sizing: border-box;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;border-width: 0px;border-style: none;border-color: initial;word-wrap: break-word !important;"><section class="" data-width="100%" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;border-width: 1px 1px 1px 5px;border-style: solid;border-color: rgb(226, 86, 27);width: 637px;border-radius: 4px;word-wrap: break-word !important;"><section style="margin: 5px;padding-right: 10px;padding-left: 10px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><p class="" data-brushtype="text" style="max-width: 100%;min-height: 1em;line-height: 36px;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;font-size: 18px;box-sizing: border-box !important;word-wrap: break-word !important;">罹患重疾的几率有72%，你会买保险吗？</span></strong></p></section></section></section><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">国家卫生部公布的数据表明：<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">人的一生罹患重大疾病的机会高达72.18%</strong>，比起买彩票，得大病的几率好像还高点。生命科技在进步，越来越多的大病已经可以治疗和控制。据统计，80%以上的疾病可以治愈，只要有相应的经济能力和平和的心态。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">但“不幸”的是，这些先进的医疗器械和药物越来越贵，而且大都是自费</span></strong><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">。去年，人民日报发文《缓和医疗，让告别更从容》，数据显示：在中国，每年有270万癌症患者死亡，他们花掉了毕生70%以上的积蓄。<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">要解决这个问题，购买重大疾病保险是其中一个很好的办法</strong>。因此作为抵御风险的手段之一：<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">重大疾病保险</strong>，就显得尤为重要，而面对这一险种，你又了解多少呢？</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-tools="135编辑器" data-id="85565" style="max-width: 100%;box-sizing: border-box;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;border-width: 0px;border-style: none;border-color: initial;word-wrap: break-word !important;"><section style="margin-top: 5px;max-width: 100%;box-sizing: border-box;display: inline-block;word-wrap: break-word !important;"><section style="padding-top: 2px;padding-right: 5px;padding-left: 5px;max-width: 100%;box-sizing: border-box;border-bottom: 1px solid rgb(226, 86, 27);color: inherit;border-top-style: none;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="margin-top: -5px;margin-bottom: 2px;margin-left: 7px;max-width: 100%;box-sizing: border-box;height: 23px;width: 6px;display: inline-block;color: rgb(254, 254, 254);background-color: rgb(226, 86, 27);transform: rotate(45deg);word-wrap: break-word !important;"></section><section style="margin-top: 2px;margin-left: -17px;max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;border-width: 5px 3px 0px;border-style: solid;border-color: rgb(226, 86, 27) transparent transparent;display: inline-block;transform: rotate(45deg);word-wrap: break-word !important;"></section></section><section style="margin-top: -34px;margin-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="padding-top: 5px;padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 104, 39);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">问题一：为什么说重疾险很重要？</strong></span></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">重大疾病的治疗是一场“持久战”，只有及时、有效的治疗才能赢得最后胜利，但与之相伴的是不断飙升的治疗费用、护理费用、误工成本和精神压力等。因此，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">为了防止“因病致贫”， 提前做好重大疾病的财务准备越来越必要</strong>。而重大疾病保险能为被保险人及其家庭的医疗费用、康复营养费用等提供有效支持，而且如果投保时保额规划比较合理、足够，还能弥补家庭收入中断、下降的风险，可以说是防范重疾风险的最有力武器之一。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><img class="" data-copyright="0" data-ratio="0.7691428571428571" data-s="300,640" data-type="jpeg" data-w="875" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FlZxHD0FZlMjorECQ03veibr3yZD6Obo18bGNDVAx7NibpVzfAh9h8dgibs3IdjtZ6sxfvfo2jGzSdIs2zfHQyCoRg%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 637px !important;visibility: visible !important;"></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;white-space: normal;text-size-adjust: auto;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-tools="135编辑器" data-id="85565" style="max-width: 100%;box-sizing: border-box;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;border-width: 0px;border-style: none;border-color: initial;word-wrap: break-word !important;"><section style="margin-top: 5px;max-width: 100%;box-sizing: border-box;display: inline-block;word-wrap: break-word !important;"><section style="padding-top: 2px;padding-right: 5px;padding-left: 5px;max-width: 100%;box-sizing: border-box;border-bottom: 1px solid rgb(226, 86, 27);color: inherit;border-top-style: none;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="margin-top: -5px;margin-bottom: 2px;margin-left: 7px;max-width: 100%;box-sizing: border-box;height: 23px;width: 6px;display: inline-block;color: rgb(254, 254, 254);background-color: rgb(226, 86, 27);transform: rotate(45deg);word-wrap: break-word !important;"></section><section style="margin-top: 2px;margin-left: -17px;max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;border-width: 5px 3px 0px;border-style: solid;border-color: rgb(226, 86, 27) transparent transparent;display: inline-block;transform: rotate(45deg);word-wrap: break-word !important;"></section></section><section style="margin-top: -34px;margin-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="padding-top: 5px;padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 104, 39);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">问题二：买了重疾险，所有的大病都可以保吗？</strong></span></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">每个人对“大病”的理解可能都不一样，但是保险业中对“重大疾病”是有明确的界定的。一般保险公司的重大疾病种类都是在官方规定的25种重大疾病基础上自行增加的，一般都达到30种以上。但<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">这也并不意味着它可以囊括所有大病，一切都要以保险合同上所承保的重大疾病范围为依据</strong>。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-tools="135编辑器" data-id="85565" style="max-width: 100%;box-sizing: border-box;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;border-width: 0px;border-style: none;border-color: initial;word-wrap: break-word !important;"><section style="margin-top: 5px;max-width: 100%;box-sizing: border-box;display: inline-block;word-wrap: break-word !important;"><section style="padding-top: 2px;padding-right: 5px;padding-left: 5px;max-width: 100%;box-sizing: border-box;border-bottom: 1px solid rgb(226, 86, 27);color: inherit;border-top-style: none;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="margin-top: -5px;margin-bottom: 2px;margin-left: 7px;max-width: 100%;box-sizing: border-box;height: 23px;width: 6px;display: inline-block;color: rgb(254, 254, 254);background-color: rgb(226, 86, 27);transform: rotate(45deg);word-wrap: break-word !important;"></section><section style="margin-top: 2px;margin-left: -17px;max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;border-width: 5px 3px 0px;border-style: solid;border-color: rgb(226, 86, 27) transparent transparent;display: inline-block;transform: rotate(45deg);word-wrap: break-word !important;"></section></section><section style="margin-top: -34px;margin-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="padding-top: 5px;padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 104, 39);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">问题三：重疾险的保额到底如何确定才合理？</strong></span></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">许多年轻消费者买重疾险的时候，觉得低保额不够，但是保额高又太多，不知道该怎么选。事实上，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">风险保障不是一次买了就一劳永逸，消费者可以分阶段购买</strong>，随着自己的工作性质、风险高低、收入水平的变化，消费者可以做出调整，比如先买一份保险，等条件好了再加保一份重疾险，增加保障额度。</span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></span></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">据了解，目前来看，重大疾病的医疗开销通常在10万元到30万元。术后恢复期通常在6个月到5年，期间的营养费、护理费不可小觑。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">因此，消费者应根据年收入水平，以及个人收入对家庭总收入的贡献度来确定重疾保额，对于年收入在12万元左右的投保人，建议重疾险的保额至少达到30万元。而年收入在20万元以上的投保人，特别是家庭的主要经济支柱，建议保额可以达到50万元。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="text-align: center; max-width: 100%; min-height: 1em; color: rgb(51, 51, 51); font-family: 微软雅黑; font-size: 16px; letter-spacing: 0.544px; white-space: normal; text-size-adjust: auto; box-sizing: border-box !important; word-wrap: break-word !important;"><img class="" data-copyright="0" data-ratio="0.6485421591804571" data-s="300,640" data-type="jpeg" data-w="1269" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FlZxHD0FZlMhJujaI7hQd1cX6sRlhF2aECmYfLY7HGjuMsn4MDia201gC0WkHS9feNcEaia234hPcN8mumRT45xrg%2F640%3Fwx_fmt%3Djpeg" style="box-sizing: border-box !important;word-wrap: break-word !important;width: 637px !important;visibility: visible !important;"></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><section class="" data-tools="135编辑器" data-id="85565" style="max-width: 100%;box-sizing: border-box;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;border-width: 0px;border-style: none;border-color: initial;word-wrap: break-word !important;"><section style="margin-top: 5px;max-width: 100%;box-sizing: border-box;display: inline-block;word-wrap: break-word !important;"><section style="padding-top: 2px;padding-right: 5px;padding-left: 5px;max-width: 100%;box-sizing: border-box;border-bottom: 1px solid rgb(226, 86, 27);color: inherit;border-top-style: none;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="margin-top: -5px;margin-bottom: 2px;margin-left: 7px;max-width: 100%;box-sizing: border-box;height: 23px;width: 6px;display: inline-block;color: rgb(254, 254, 254);background-color: rgb(226, 86, 27);transform: rotate(45deg);word-wrap: break-word !important;"></section><section style="margin-top: 2px;margin-left: -17px;max-width: 100%;box-sizing: border-box;width: 0px;height: 0px;border-width: 5px 3px 0px;border-style: solid;border-color: rgb(226, 86, 27) transparent transparent;display: inline-block;transform: rotate(45deg);word-wrap: break-word !important;"></section></section><section style="margin-top: -34px;margin-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><section style="padding-top: 5px;padding-right: 15px;padding-left: 15px;max-width: 100%;box-sizing: border-box;color: inherit;word-wrap: break-word !important;"><span style="max-width: 100%;color: rgb(255, 104, 39);box-sizing: border-box !important;word-wrap: break-word !important;"><strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">问题四：买了重疾险，就能满足全面的健康保障需求吗？</strong></span></section></section></section></section></section><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">大疾病保险产品是健康保险中疾病保险产品的一种。该保险产品只有在被保险人发生合同约定的疾病、达到约定的疾病状态或实施了约定的手术时，才能给付保险金。因此，<strong style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">重大疾病保险不能满足被保险人所有的健康保险需求，配合其他类型的健康保险产品或健康保障计划</strong>，被保险人才能得到比较完善和完善的健康保险保障。</span></p><p style="max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></p><p style="margin-top: 5px;margin-bottom: 5px;max-width: 100%;min-height: 1em;caret-color: rgb(51, 51, 51);color: rgb(51, 51, 51);font-family: 微软雅黑;font-size: 16px;letter-spacing: 0.544px;text-align: justify;white-space: normal;text-size-adjust: auto;line-height: 1.75em;box-sizing: border-box !important;word-wrap: break-word !important;"><span style="max-width: 100%;letter-spacing: 1px;box-sizing: border-box !important;word-wrap: break-word !important;">重疾险在发生重大疾病时，能为人们支撑起一连串的开销，治疗费用、康复费用、生活费用等等，保障家庭在突如其来的意外面前不会因病致贫，它的作用是社保、医疗险都不能匹敌的，我们应该意识到重疾的侵害和重疾险的功能，为自己和家人选择优质的重疾险，提供有效的重疾保障。</span></p>
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