爱孩子就给孩子最好的——少儿至尊国寿福
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现在社会竞争激烈，孩子们学习的压力越来越大，父母除了平日对孩子关爱备至以外，更需要考虑为孩子准备一份重大疾病保险，毕竟孩子平平安安、健健康康才是最重要的！
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<strong style="max-width: 100%; line-height: 1.5em; font-family: sans-serif;"><strong class="" data-brushtype="text" style="max-width: 100%; line-height: 1.5em;"><span style="max-width: 100%;">为什么需要重大疾病保险</span></strong></strong>
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<span style="max-width: 100%; color: rgb(2, 30, 170); 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;">有家长说我们的孩子不都已经买过学平险吗？</strong></span>
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但是，您知道吗？学平险只保意外伤害、残疾或身故，虽然现在也为疾病住院医疗提供保障，但是保额非常低。因此学平险的保障力度是远远不够的，一定要为孩子配备足额的重大疾病保险。
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当今社会，经济快速发展，造成环境污染严重、竞争和生存压力大，再加上饮食结构不合理等诸多不健康的生活方式影响下，重疾的发病率越来越高，患病年龄越来越低，很多小孩容易患上重大疾病甚至癌症。
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从近30年的数据来看，恶性肿瘤等重疾发病率在全球以年均3%-5%速度递增，其中癌症高发的前几个病种分别是：肺癌、肝癌和肠癌。除了癌症以外，心血管疾病、呼吸系统疾病、内分泌疾病等慢性病症也是高发病种。根据国家卫生部统计数据显示，人一辈子患各类重疾几率达72.18%。
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随着医疗技术的快速发展，包括癌症等重大疾病的治愈率越来越高，但是伴随着的是高昂的医疗费用。近20年时间里，我国的医疗费用增长了28倍，年增长率达20%。
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万一孩子发生重疾，父母可能要辞掉工作全心照顾，全家失去收入来源。各种治疗费、营养费、收入损失等加起来成本至少20万以上，全家将遭罪经济、精神、肉体的三重折磨。
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<strong style="color: rgb(0, 155, 98); text-align: center; text-indent: 0em; max-width: 100%; line-height: 1.5em; font-family: sans-serif;"><strong class="" data-brushtype="text" style="max-width: 100%; line-height: 1.5em;"><span style="max-width: 100%;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;"><span style="max-width: 100%; line-height: 25.6px;">给孩子买一份健康保障，是身为父母必做的事情。</span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></span></strong></strong>
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<strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">投保示例</strong>
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<span style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">30岁的王爸爸为其0岁的儿子投保少儿至尊版国寿福，同时附加少儿豁免和大人豁免保险，保额30万，20年交，只需年交保费约3861.95元，即可保障到终身，最高享有66万健康保障，性价比超高。</span><br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/>
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孩子的保障利益：
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">1、80种重疾保障</strong></span>：30万元
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">2、30种轻疾保障</strong></span>：6万元
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">3、15种少儿疾病</strong></span>：30万元。
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">4、被保险人豁免</strong></span>：若宝宝在交费期内患30种轻疾或15种少儿疾病，免交剩余保费，保障继续有效。
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">5、身故</strong></span>：18岁前返还已交保费，18岁后保障30万元。
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">6、投保人豁免</strong></span>：若王先生在交费期发生约定80种重疾、身故或高残，免交剩余保费，保障继续有效。<br style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"/>
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<span style="max-width: 100%; color: rgb(0, 155, 98); 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;">疾病观察期：</strong></span><span style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">180天。</span>
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<p style="max-width: 100%; min-height: 1em; color: rgb(62, 62, 62); font-size: 16px; white-space: normal; line-height: 28.4444px; box-sizing: border-box !important; word-wrap: break-word !important; background-color: rgb(255, 255, 255);">
<span style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; color: rgb(0, 155, 98); 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;">方案优势</strong></span></span><span style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;">：该方案最高赔付保额的2.2倍，即66万=少儿疾病30万+30种轻疾6万+80种重疾30万，先发生少儿疾病或轻疾，重疾仍然有效；豁免设计险种为“<span style="max-width: 100%; color: rgb(2, 30, 170); 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;">投保人豁免</strong></span>”和“<span style="max-width: 100%; color: rgb(2, 30, 170); 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;">被保险人豁免</strong></span>”，因此无论是投保人发生约定80种重疾、身故或高残，还是被保险人发生15种少儿疾病和30种轻疾，此保险方案的所有后期主险保费全部豁免。</span>
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