什么保险
Mai一档高信息密度的保险科普节目
| Publishes | Weekly | Episodes | 12 | Founded | a year ago |
|---|---|---|---|---|---|
| Language |  ZH-CN | Category | Leisure | ||
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Latest Episodes
Shownotes：
本期播客以杭州西湖益联保为核心，通过投保人Tony房颤手术的理赔经历展开——总医疗费用7万左右，自费3万多，西湖益联保仅报销600余元。
嘉宾们由此解析该普惠型商业医疗险的保障责任，包括社保内外费用的分档报销规则、起付线设置及高价值自费材料的报销限制，让你搞清楚城市惠民保险到底值不值得买。
【嘉宾介绍】
Tony
外贸公司从业者 / 跑步爱好者 / 40岁开始为自己而活
Zoe（咨询微信：zoe1509）
靠谱的保险经纪人/深刻践行分散投资 / 跟着乒乓球流浪地球
Mai（... more
Shownotes：
很多人花几千甚至上万元买了一份中高端医疗险，想着“真有事能用上”，但一到理赔环节才发现——报销流程复杂、预授权受阻、医院不配合，甚至被保险公司质疑“频繁使用”“恶意报销”，理赔像打仗一样难。这是保险公司的问题，还是使用方式出了偏差？
本期节目，我们请到中高端医疗险领域经验丰富的一线经纪人璐瑶，分享他亲身处理过的多起真实理赔案例：
* 从少儿客户因 20 次门诊被疑 “薅羊毛” 面临续保中断，到经纪人介入协调最终保住保障
* 从团险客户因病历中 “休息建议” 被无理拒赔，凭打... more
Shownotes：
🎙️ 本期《什么保险》由主播雨虹独挑大梁，为大家解答一个常被误解却至关重要的问题：如果保险公司破产了，我的保单会不会打水漂？
🧠 我们用通俗语言带你理解：
* 保险公司破产的真实概率和流程
* 法律里写得明明白白的“兜底机制”
* 为什么“赔90%”是个被断章取义的传闻
* 恒大人寿、安邦保险真实案例复盘
* 合资保险公司是否更危险？
* 如果未来改为“限额赔付”，意味着什么？
⚖️ 听完这期你将获得：对保险业安全机制的真正信心，以及如何甄别网络上的夸张言论。
【嘉宾介... more
Shownotes：
你是否想过：当身体已经出现异常，甚至确诊疾病后，还能买到医疗险吗？2022 年底横空出世的众安 “众民保”，以 “无健康告知、可赔多数既往症、105 岁可投保” 三大颠覆式特点，迅速成为非标体人群的 “救命稻草”—— 仅 2023 年初风控放宽的 10 天内，就吸纳 1.4 亿保费。但没有健康告知的保险，究竟是 “安心保障” 还是 “定时炸弹”？
本期播客深度对话前众安员工，拆解众民保的运营逻辑、风控秘密与长期隐忧，探讨谁该买、谁该慎买，以及普惠保险创新的边界。
【嘉宾介绍... more
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Apple Podcasts | #119 |  Ireland/Leisure |
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什么保险 launched a year ago and published 12 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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