多宝之家

合适人群
预算充足，看重当地有分支服务机构
综合评价
多多宝是由合众人寿推出可线上投保的重疾险，最高可投保50万保额，重疾赔付1次，轻症最高可赔付5次，含身故责任和轻症豁免，保障较为全面。 多多宝虽然性价比不是最高，但合众人寿目前可以支持27个省市投保。如果看重当地有服务机构，可以考虑这款。如果预算不足，建议选择消费型重疾险，用有限的预算内，确保保额足够高，只有保额高才能起到转移风险的作用。

重疾保障：81种重疾，赔付100%基本保额
轻症保障：38种轻症，最高赔付5次，每次赔付20%基本保额
身故/全残：18岁前，赔付2倍已交保费，18岁后，赔付100%基本保额
被保人豁免：轻症豁免后期保费，合同继续有效
投保人豁免（可选）：轻症、重疾、身故、全残豁免后期保费，合同继续有效
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保障期间：终身
最长交费期间：30年
等待期：90天
投保职业：1-2类
智能核保：无