最近看到一款安邦的常青樹終身重疾險，大神些怎麼看

zhongdajibingbaoxiansuiranbunengtirenxiaozai，bunengjianqingbingtong，danshidangbuxinglihuanlezhongjishi，nenghendachengdushangjianqingjiatingdejingjifudan，rangbeibaoxianrendedaogenghaodezhiliao

，zhongjixianduiyumeigerenlaishuo，douyinggaishibibukeshaodebaozhang。zhongjixianduiyugerenhejiatinglaishuohenzhongyao，namezhongjixianzenmegoumai
，maishenmeyangdebijiaohao？shenmeyangderenzuixuyaozhongjixiangoumaibaoxiandouyaojiangjiu“先大人後小孩”的de原yuan則ze，重zhong疾ji險xian也ye不bu例li外wai，雖sui然ran小xiao孩hai承cheng載zai著zhe一yi個ge家jia庭ting未wei來lai的de希xi望wang，小xiao孩hai生sheng病bing，做zuo父fu母mu的de在zai情qing感gan上shang會hui受shou到dao很hen大da的de打da擊ji，但dan是shi不bu影ying響xiang家jia庭ting經jing濟ji來lai源yuan。如ru果guo是shi家jia中zhong大da人ren尤you其qi是shi頂ding梁liang柱zhu生sheng病bing，那na麼me家jia庭ting很hen可ke能neng就jiu會hui因yin為wei沒mei有you了le經jing濟ji收shou入ru雪xue上shang加jia霜shuang。隻zhi要yao家jia庭ting經jing濟ji支zhi柱zhu健jian康kang平ping安an，至zhi少shao會hui保bao證zheng經jing濟ji收shou入ru不bu中zhong斷duan
，有you能neng力li繼ji續xu掙zheng錢qian給gei小xiao孩hai看kan病bing。所suo以yi重zhong疾ji險xian先xian需xu要yao給gei大da人ren配pei置zhi，其qi次ci再zai考kao慮lv孩hai子zi的de保bao障zhang。另ling外wai在zai購gou買mai保bao險xian時shi還hai需xu要yao遵zun循xun先xian保bao障zhang後hou理li財cai的de原yuan則ze，保bao險xian的de保bao障zhang功gong能neng一yi定ding是shi放fang在zai第di一yi位wei的de。為wei個ge人ren和he家jia庭ting做zuo好hao了le充chong足zu的de保bao障zhang之zhi後hou，有you閑xian餘yu資zi金jin
，可ke以yi考kao慮lv用yong保bao險xian來lai進jin行xing理li財cai儲chu蓄xu投tou資zi。保bao額e的de確que定ding保bao額e應ying該gai根gen據ju一yi些xie重zhong大da疾ji病bing所suo需xu的de治zhi療liao費fei用yong來lai看kan，另ling外wai重zhong大da疾ji病bing不bu僅jin僅jin是shi需xu要yao治zhi療liao過guo程cheng中zhong的de費fei用yong，治zhi療liao後hou的de一yi些xie康kang複fu護hu理li費fei用yong都dou是shi一yi筆bi不bu小xiao的de開kai支zhi。建jian議yi可ke將jiang重zhong大da疾ji病bing保bao險xian的de保bao額e確que定ding在zai30萬以上
，最好是超過50wan，baoetaidi，suoqidebaozhangzuoyongbushihenda。dangranbushishuoquedinggoumaileyifenxianzaikanlaizuedezhongjixianjiuyilaoyongyile。yibanzhongdajibingbaoxiandebaozhangqijiandouhenchang，yihoudezhiliaoshuipinghetonghuopengzhanglvwufajingquejisuan，suoyitoubaorenyaozhuyigenjushijixuyaokaolvzengjiabaoe。zhongshenhaishidingqigoumaizhongjixianhaishijianyixiankaolvzhongshenxingdezhongjixian，bujinbaozhangshijianchang，erqiebuhuiyinweibaoxiandaoqi，yinbeibaorendeshentizhuangkuangfashenglebianhuawufaxubaodeqingkuang。lingwaidingqizhongjixiandaoqizaigoumai，yinweitoubaonianlingfashenglebianhua，baofeiyehuizengjia。ruguoshijiatingjingjitiaojianyouxian
，keyixiangoumaidingqidezhongjixian，dengdaojingjitiaojianhaozhuan，zaiwanshanxiangguandebaozhang。jutidexianzhongjianyidajiakegoumaianbangchangqingshuzhongdajibingbaoxian

，baozhangqijianweizhongshen
，bao80種重疾+38種輕症，輕症可額外給付5次，並且帶有輕症豁免功能。除了有重疾和輕症的保障外，如果是被保險人不幸身故、quancanhuozheshidadaolejibingzhongmoqi
，baoxiangongsidouhuianzhaobaoxianjinelaijinxinggeifu，xingjiabifeichanggao。suoyichenzheshijianshangzao
，ganjinweizijihejiarengoumaizhongjixianba
，toubaonianlingyuedi，baofeiyuebianyi。

youfenzhongdajibingbaoxiankendingshihaode
，keyibafengxianzhuanjiageibaoxiangongsi
，dangfengxianlailindeshihou，jiatingbushoufengxiandeqinshi
，ruguomeiyoufengxianbaoxiangongsihuibaqianlianbendaixidehaigeini！ 至於哪家的保險好～建議你多比較幾家～看看哪個更適合自己～ 希望對你有幫助～～～

根據你的年齡，投保金額
，可以給您做個詳細的分析對比哪個產比最適合哈

返還型的重疾險，不存在虧一說，這款產品綜合保障還是不錯的 有細節不清楚的可以問

您好，從保障範圍看，安邦人壽長青樹係列重疾險在25種核心重疾的基礎之上實現了對多達80種重疾
，38種輕症的全麵覆蓋，一些如係統性紅斑狼瘡等近年來備受公眾關注的病症也在賠付之列。 從保障機製看

，長青樹係列重疾險在各種輕症的賠付機製上也采取了業界領先的做法：客戶針對38種輕症享有多達5cidepeifu，bingqieqingzhengfashenghouhouxubaofeijiangbeihuomian，baodanjixuyouxiao
，qingzhengdegeifuyebuyingxiangzhongjipeifudeedu。juyeneizhuanjiabiaoshi

，qingzhengduoweizhongdajibingdezaoqijieduan，duiqingzhengdepeifujizhiyiranchengweihengliangyikuanzhongjixianchanpinyouliedezhongyaobiaochi，youqingzhenghuomiandezhongjixiancaisuanyejieliangxin。