及时雨：一场及时的降雨

合适人群
预算充足，追求多次赔付，看重重疾病种不分组
综合评价
海保人寿及时雨的亮点是重疾不分组，最高可赔付3次，提高多次获赔概率，如果追求保障全面，还可以自由选择附加轻症保障。 适合预算充足的朋友考虑。如果追求高性价比，建议优先考虑其他产品，用更低的预算，可以买到含中症保障等保障更加全面的多次赔付重疾险。

重疾保障：100种重疾，不分组，最高赔付3次，每次赔付100%基本保额
轻症保障（可选）：50种轻症，最高赔付3次，每次赔付30%基本保额
身故/全残：18岁前，赔付已交保费，18岁后，赔付100%基本保额
被保人豁免：重疾豁免后期保费，合同继续有效
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保障期间：20年,30年,至60岁,至70岁,终身
最长交费期间：至60岁
等待期：90天
投保职业：1-6类
智能核保：有