初期甲状腺癌，真的要说再见？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz/hWFHQR4zl2rMhVTct7xGe7vVicR5K7kkzZagnm10zM4icrCGAwjVG6kgTS6AXL7PPZvQBnkQHYUT58Ia7bAKHvqw/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">导读：</strong></span><span style="color: black;">先别急着怎么“炒作停售”，听我好好说。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/hWFHQR4zl2oXtDL0jLSDx7TTgIjeic59Y2icYGgydbcKn2RWqyXhHGTdjwoFff2mwejicAjgcia7n2EDCrodLYWb2w/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">今天<span style="color: black;">文案</span>的主题<strong style="color: blue;">有些<span style="color: black;">敏锐</span></strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">银保监会迟迟不<span style="color: black;">期盼</span><span style="color: black;">媒介</span>参与到这轮重疾定义修订的讨论中来，<span style="color: black;">便是</span><strong style="color: blue;">担心咱们800多万的保险从业<span style="color: black;">伴侣</span>又要借着这个<span style="color: black;">专题</span>来炒作一波“重疾险停售”</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>，在<span style="color: black;">我</span>拿到那份扫描版的《重疾定义规范征求意见稿》之后，迟迟<span style="color: black;">无</span>动笔，<span style="color: black;">便是</span><span style="color: black;">担心这条<span style="color: black;">信息</span></span>会<span style="color: black;">导致</span>巨大的舆论旋涡而被监管<span style="color: black;">分部</span>问责。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">不外</span>就在昨天，<span style="color: black;">已然</span>有正经的<span style="color: black;">媒介</span><span style="color: black;">报告</span>了<span style="color: black;">这事</span>，这篇<span style="color: black;">文案</span><span style="color: black;">亦</span><span style="color: black;">起始</span>被各路保险自<span style="color: black;">媒介</span>公众号转载。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">能够</span>预见，“炒作停售”的热潮，今天<span style="color: black;">起始</span>就会<span style="color: black;">逐步</span>发酵。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">担惊受怕，不如勇敢面对。</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">况且</span>，<strong style="color: blue;">我的立场绝对不是为了“炒作停售”</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>，今天的<span style="color: black;">文案</span>我就来写一写，<strong style="color: blue;"><span style="color: black;">为何</span>我觉得把“<span style="color: black;">初期</span>甲状腺癌”从重疾列表中拿掉，是一件再<span style="color: black;">恰当</span><span style="color: black;">不外</span>的事情了</strong>。</span></p><span style="color: black;"><strong style="color: blue;">1</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">《重疾定义规范征求意见稿》</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这次内部流传的《重疾定义规范征求意见稿》</span><span style="color: black;">（<span style="color: black;">重视</span>，是征求意见稿，<span style="color: black;">因此呢</span>所有内容均未<span style="color: black;">最后</span>定稿）</span><span style="color: black;">，是要在2007年版的《重大<span style="color: black;">疾患</span>保险的<span style="color: black;">疾患</span>定义<span style="color: black;">运用</span>规范》<span style="color: black;">基本</span>之上进行修订。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2007年版的《重大<span style="color: black;">疾患</span>保险的<span style="color: black;">疾患</span>定义<span style="color: black;">运用</span>规范》最<span style="color: black;">重点</span>的内容有两点：</span><strong style="color: blue;"><span style="color: black;"><span style="color: black;">第1</span>，必保病种方面，</span></strong><span style="color: black;"><span style="color: black;">需求</span>所有的重疾<span style="color: black;">制品</span>都<span style="color: black;">必要</span><span style="color: black;">包括</span>6种最高发的<span style="color: black;">重点</span><span style="color: black;">疾患</span>（恶性肿瘤、急性心肌梗塞、脑中风<span style="color: black;">副作用</span>、重大器官移植术或造血干细胞移植术、冠状动脉搭桥术和终末期肾病）；</span><strong style="color: blue;"><span style="color: black;">第二，<span style="color: black;">疾患</span>定义方面，</span></strong><span style="color: black;">统一和规范了重疾险<span style="color: black;">制品</span>中最<span style="color: black;">平常</span>的25种<span style="color: black;">疾患</span>定义</span><span style="color: black;">。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">2019年版的《重疾定义规范征求意见稿》，最<span style="color: black;">重点</span>的变动有以下五点</span><span style="color: black;">（括号中内容属于点评）</span><span style="color: black;">：</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">1.新增<span style="color: black;">疾患</span>定义“恶性肿瘤（轻度）”，</span></strong><span style="color: black;">为<span style="color: black;">包括</span>TNM分期为T1N0M0期或更轻分期的乳头状或滤泡状甲状腺癌（在原规范中属于恶性肿瘤<span style="color: black;">保证</span>范围），以及慢性淋巴细胞白血病、何杰金氏病、皮肤癌等</span><span style="color: black;">（相当于将T1N0M0或以下的甲状腺癌从重疾列表中移除，与香港、台湾等保险市场看齐）</span><span style="color: black;">；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">2.拟修订25种<span style="color: black;">重点</span><span style="color: black;">疾患</span>中19种<span style="color: black;">疾患</span>的定义，<span style="color: black;">同期</span>新增2种重疾</span></span></strong><span style="color: black;"><span style="color: black;"><strong style="color: blue;">定义</strong>（严重冠心病和肺功能衰竭）<strong style="color: blue;">，新增5种轻症定义，</strong>即恶性肿瘤（轻度）、脑中风<span style="color: black;">副作用</span>（轻度）、冠状动脉介入术、单侧肾脏切除和角膜移植</span></span><span style="color: black;">（这5种轻症<span style="color: black;">亦</span>构<span style="color: black;">成为了</span>“丙型重疾<span style="color: black;">制品</span>”<span style="color: black;">必要</span>要<span style="color: black;">包括</span>的5种轻症）</span><span style="color: black;">；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">3.规定了三种类型的重疾<span style="color: black;">制品</span>设计：</span></span></strong><strong style="color: blue;"><span style="color: black;"><span style="color: black;">“甲型”</span></span></strong><span style="color: black;"><span style="color: black;"><span style="color: black;">必要</span><span style="color: black;">包括</span>6种最高发的重疾（剔除轻度恶性肿瘤），<strong style="color: blue;">“乙型”</strong><span style="color: black;">必要</span><span style="color: black;">包括</span>6种最高发的重疾+恶性肿瘤（轻度），<strong style="color: blue;">“丙型”</strong><span style="color: black;">必要</span><span style="color: black;">包括</span>6种最高发的重疾+5种高发轻症</span></span><span style="color: black;">（相信市场上绝大<span style="color: black;">都数</span>的<span style="color: black;">制品</span>都会是“丙型”，<span style="color: black;">不外</span><span style="color: black;">日前</span>市场上确实有热卖<span style="color: black;">制品</span>是不<span style="color: black;">包括</span>“轻度脑中风”和“冠状动脉介入术”的）</span><span style="color: black;">；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">4.保险行业<span style="color: black;">疾患</span>管理办公室将<span style="color: black;">颁布</span>“<span style="color: black;">疾患</span>示范库”，</span></strong><span style="color: black;">保险<span style="color: black;">机构</span>使用规范外的<span style="color: black;">疾患</span>种类（即除25+2种重疾和5种轻症外的<span style="color: black;">疾患</span>）时，<span style="color: black;">必须</span><span style="color: black;">运用</span>“<span style="color: black;">疾患</span>示范库”中的<span style="color: black;">疾患</span>名<span style="color: black;">叫作</span>和定义</span><span style="color: black;">（以后<span style="color: black;">爱好</span>钻研条款的<span style="color: black;">伴侣</span>们省事了，<strong style="color: blue;">内地重疾险的<span style="color: black;">疾患</span>定义将大规模统一化，</strong>以后<span style="color: black;">不消</span>再比来比去了）；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">5.<span style="color: black;">意见</span>对部分轻症设定保额赔偿上限</span></span></strong><span style="color: black;"><span style="color: black;">（除了原保额的XX%，如20%，还要对部分轻症设定一个金额赔付上限，如20万元，<strong style="color: blue;">即便是保额买得再高，轻症赔偿<span style="color: black;">亦</span><span style="color: black;">不可</span>超过该金额上限，</strong>这一点<span style="color: black;">重点</span>是为了避免医疗资源浪费，香港保险<span style="color: black;">日前</span>就采用此做法）</span><span style="color: black;">。</span></span></p><span style="color: black;"><strong style="color: blue;">2</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">为何</span>要把<span style="color: black;">初期</span>甲状腺癌“拿掉”？</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因为</span>我不是医学专业，<span style="color: black;">因此</span>本篇<span style="color: black;">文案</span>我不想从医学方面去分析“<span style="color: black;">初期</span>甲状腺癌到底是不是癌症”（<span style="color: black;">初期</span>甲状腺癌泛指T1N0M0期或更轻分期的乳头状或滤泡状甲状腺癌）。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">我只想<span style="color: black;">经过</span>保险的本质功能来谈一下，<span style="color: black;">初期</span>甲状腺癌应<span style="color: black;">不该</span>该被算作是重疾。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">保险的本质功能之一，是“经济<span style="color: black;">赔偿</span>原则”。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">言外之意，</span><strong style="color: blue;">保险存在的<span style="color: black;">道理</span>，是用来<span style="color: black;">赔偿</span><span style="color: black;">危害</span><span style="color: black;">导致</span>的“损失”，而不是让人们<span style="color: black;">经过</span>保险来获取比损失金额更高的“盈利”</strong><span style="color: black;">。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">重大<span style="color: black;">疾患</span>保险，<span style="color: black;">保证</span>的是被保险人因<span style="color: black;">病患</span>重大<span style="color: black;">疾患</span>而承受的经济损失，而<strong style="color: blue;">被纳入重疾列表中的<span style="color: black;">疾患</span>，大多<span style="color: black;">持有</span>“致死率高、治疗<span style="color: black;">花费</span>高、<span style="color: black;">恢复</span>时间久”等<span style="color: black;">明显</span>特点</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">那<span style="color: black;">初期</span>甲状腺癌呢？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">初期</span>甲状腺癌<span style="color: black;">一般</span>以手术切除治疗为主，治疗<span style="color: black;">花费</span>大概为2万元人民币，术后<span style="color: black;">恢复</span>期<span style="color: black;">一般</span>在三个月<span style="color: black;">上下</span>，术后复发概率极低，几乎<span style="color: black;">无</span>致死率……</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">咱们</span>大<span style="color: black;">都数</span>人，买一份足额的重疾险，<span style="color: black;">一般</span><span style="color: black;">必须</span>50万~100万人民币的保额。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">但<span style="color: black;">倘若</span>为了一个治疗<span style="color: black;">花费</span>只<span style="color: black;">必须</span>2万元、<span style="color: black;">恢复</span>期很短、几乎<span style="color: black;">无</span>致死率的<span style="color: black;">初期</span>甲状腺癌，<span style="color: black;">得到</span>几十万元的重疾险理赔，</span></strong><span style="color: black;"><strong style="color: blue;">很<span style="color: black;">显著</span>违反了保险的“经济<span style="color: black;">赔偿</span>原则”</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">期盼</span><span style="color: black;">大众</span>明白一个道理，<strong style="color: blue;">买保险，不是买彩票</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">当然，肯定有人是不在乎保险的“初心”和“原则”的：<span style="color: black;">倘若</span>能花几万块的保费，患个对自己没什么影响的小病，顺便赚上几十万块钱，何乐而不为呢？</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">然则</span>请不要忘记，<strong style="color: blue;">保险<span style="color: black;">制品</span>的定价是要遵从精算经验数据的</strong>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">倘若</span>一个<span style="color: black;">疾患</span>的发病概率高，理赔金额大，必然会<span style="color: black;">引起</span>重疾险成本的整体<span style="color: black;">提升</span>。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">更不要说甲状腺癌这种“用手都有可能摸出来<span style="color: black;">的<span style="color: black;">疾患</span></span>”有多高的逆<span style="color: black;">选取</span><span style="color: black;">危害</span>了！</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">事实上，甲状腺癌近年来的高发（<span style="color: black;">或</span>说是<span style="color: black;">由于</span>体检设备的改良而被过度检测出来），<strong style="color: blue;"><span style="color: black;">已然</span>让<span style="color: black;">非常多</span>保险<span style="color: black;">机构</span>和再保险<span style="color: black;">机构</span>“苦不堪言”，重疾险<span style="color: black;">制品</span>涨价几乎<span style="color: black;">已然</span><span style="color: black;">作为</span>业内共识</strong>（当然，除了<span style="color: black;">哪些</span>拿地板价抢市场份额、再保买不上<span style="color: black;">亦</span><span style="color: black;">没</span><span style="color: black;">所说</span>的“激进派”）。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此</span>，<strong style="color: blue;">假如你<span style="color: black;">无</span>十足把握<span style="color: black;">经过</span>“患<span style="color: black;">初期</span>甲状腺癌”去占别人的便宜，其实<span style="color: black;">你</span><span style="color: black;">便是</span>被别人占了便宜</strong>……</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">想到<span style="color: black;">这儿</span>，你确定你还要跟风去抢购<span style="color: black;">哪些</span>快要停售的重疾险吗？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/JT1BCSYO3EgqU44nbTsgxLkbmrDtpvORiavricPgbIVDAsPHiabiaPDh2I8gRw2YqdZ662OIA8RvBUrYkW24PqQicxA/640?wx_fmt=png&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">资料<span style="color: black;">源自</span>：中再《重大<span style="color: black;">疾患</span>保险深度解析》</p>
<span style="color: black;"><strong style="color: blue;">3</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">初期</span>甲状腺癌“被拿掉”，<span style="color: black;">而后</span>呢？</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">首要</span>要说明一点，2007年<span style="color: black;">颁布</span>的《重大<span style="color: black;">疾患</span>保险的<span style="color: black;">疾患</span>定义<span style="color: black;">运用</span>规范》，<span style="color: black;">是由于</span>中国保险行业协会与中国医师协会联合<span style="color: black;">颁布</span>的。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这次在内部流传的《重疾定义规范征求意见稿》，<span style="color: black;">亦</span><span style="color: black;">一样</span>不是银保监会下发的文件。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">因此</span>，<span style="color: black;">初期</span>甲状腺癌这次<span style="color: black;">到底</span>会不会被从重疾列表中剔除，还要看银保监会领导们的最后拍板。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">即便是<span style="color: black;">全部</span>保险行业早就想把<span style="color: black;">初期</span>甲状腺癌从重疾列表中剔除（参考中荷人寿2016年推出的《<span style="color: black;">一辈子</span>呵护B款终身重大<span style="color: black;">疾患</span>保险》），2018年5月银保监会办公厅<span style="color: black;">颁布</span>的《人身保险<span style="color: black;">制品</span><span style="color: black;">研发</span>设计<span style="color: black;">消极</span><span style="color: black;">名单</span>》还是<span style="color: black;">知道</span>列出了“重大<span style="color: black;">疾患</span>保险<span style="color: black;">制品</span>，对恶性肿瘤责任中的甲状腺恶性肿瘤进行单独处理，责任设计不<span style="color: black;">恰当</span>，设置较低的保险金额，变相缩小<span style="color: black;">制品</span>的<span style="color: black;">保证</span>范围”一项。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">监管<span style="color: black;">分部</span><span style="color: black;">思虑</span>的，肯定<span style="color: black;">不仅</span>是<span style="color: black;">制品</span>设计和理赔成本这方面的“小问题”，还要<span style="color: black;">思虑</span>群体舆论和“停售炒作”方面的“大问题”。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">假如这次<span style="color: black;">媒介</span>传播<span style="color: black;">导致</span>的社会<span style="color: black;">消极</span>影响太大，保险从业者们又<span style="color: black;">起始</span>借此理由<strong style="color: blue;"><span style="color: black;">疯狂</span></strong>进行“停售炒作”，<span style="color: black;">那样</span>现<span style="color: black;">周期</span>重疾定义不做任何改变，<span style="color: black;">亦</span>是<span style="color: black;">特别有</span>可能的。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">反正保险<span style="color: black;">机构</span>和再保险<span style="color: black;">机构</span>们过苦日子又不是一年两年了，不外乎再多过几年……</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">那样</span>假如，不久以后，<span style="color: black;">初期</span>甲状腺癌真的被从重疾列表中剔除了，中国内地的重疾险会<span style="color: black;">出现</span>什么变化呢？</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">之前<span style="color: black;">已然</span>投保的旧<span style="color: black;">制品</span>，<span style="color: black;">初期</span>甲状腺癌还是会当重疾来赔的，</span></span></strong><span style="color: black;"><span style="color: black;"><span style="color: black;">由于</span><span style="color: black;">疾患</span>定义的变化并不会影响<span style="color: black;">已然</span>生效的保险合同。</span></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">预计在<span style="color: black;">疾患</span>定义变更的初期，市场上的重疾产品会<span style="color: black;">显现</span>一个小幅降价，以弥补消费者的“心理落差”</span></strong><span style="color: black;">。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">过了一段时间之后，各家保险<span style="color: black;">机构</span>还是会<span style="color: black;">经过</span>“<span style="color: black;">制品</span>升级”等方式把保费慢慢涨回来，</span></strong><span style="color: black;">好去弥补之前卖出去那批旧业务给<span style="color: black;">机构</span><span style="color: black;">导致</span>的亏损。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">等到<span style="color: black;">大众</span>慢慢习惯了之后，<span style="color: black;">亦</span>就<span style="color: black;">再也不</span>会去纠结“<span style="color: black;">为何</span>重疾险不保<span style="color: black;">初期</span>甲状腺癌”了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">由于</span>香港、台湾、新加坡等地的重疾险，很早之前就<span style="color: black;">已然</span>是<span style="color: black;">这般</span>了。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">做为</span>一个理性的保险从业者，<span style="color: black;">此刻</span>要做的，<span style="color: black;">便是</span>用一颗平常心去面对这件事情，不炒作停售，不<span style="color: black;">诱发</span>焦虑。</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">让保险在其应该发挥<span style="color: black;">功效</span>的<span style="color: black;">行业</span>，为<span style="color: black;">咱们</span>的<span style="color: black;">危害</span>保驾护航。</span></p>
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