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该产品系列分为三个主版本和一个可附加的加享版计划：面向大众的惠享版、面向中端客户的尊享版、面向高净值人群的颐享版；以及可灵活与惠享搭配升级的加享系列。以满足从普惠到高端的全方位需求。一、产品体系总览
今天为大家介绍我们的医疗产品系列。

 平安e生保系列核心版本对比总表特性维度惠享版 (基础款)尊享版 (中端款)颐享版 (高端款)加享版 (附加计划)核心定位普惠大众，保证续保品质医疗，扩展特需全球就医，顶级保障灵活搭配，补充责任投保年龄0 - 55岁0 - 70岁0 - 70岁0 - 60岁续保条件保证续保20年1年期，非保证续保1年期，非保证续保1年期，非保证续保医院范围大陆医保定点医院普通部扩展至特需部、国际部全球范围（含港澳台、昂贵医院）依计划而定，从普通部到全球医院免赔额1万/年，无理赔可降至5千可选0免赔或1万可选0免赔或1万计划一：0元；计划二/三/四/五：1万年度保额一般医疗200万/重疾400万400万800万计划一/二：200万；
计划三/四/五：600万核心责任住院前后门急诊、住院费用增加院外责任：
- 特药(50万)
- 基因检测(3万)
- 先进疗法增强院外责任：
- 特药/基因检测额度更高
- 含先天/精神类疾病纯院外责任（计划一）或完整责任（计划二/三/四/五）特色服务垫付服务、就医协助特需部直付、专家手术安排全球直付、海外二诊、紧急援助依计划附加特药、先进疗法协助等服务销售策略家庭单销售，享折扣面向中端客户，追求品质面向高端客户，全球自由就医与主险搭配购买，弥补保障缺口各版本精准说明二、各版本详解1. 惠享版（基础普惠款）
  • 目标客群：大众客户，强调家庭投保。
  • 核心特点：
    • 保证续保：保证续保20年，提供长期安心保障。
    • 家庭优惠：2人95折，3人9折，4人85折，鼓励以家庭为单位销售。
  • 保障责任：
    • 医院范围：中国大陆二级及以上医保定点医院普通部（含公立/私立）。
    • 免赔额：1万元/年。未理赔每年降低1000元，最低可至5000元。
    • 报销规则：经社保报销后100%赔付；未经社保报销则按60%赔付。
    • 额度：一般医疗200万，重疾医疗400万，20年累计限额800万。
    • 保障范围：覆盖住院前30天后30天门急诊、住院期间费用（含因DRG控费产生的门诊购药/处置费）。
  • 增值服务（安有医服务）：提供就医全流程支持，包括住院前问诊/预约/陪诊、院中垫付/专家会诊、出院协助及院后康复指导。垫付功能是核心亮点，能解决客户大额医疗费用的现金流难题，赋予其就医选择权。
2. 尊享版（中端升级款）
  • 目标客群：对就医品质和服务有更高要求的中端客户。
  • 核心升级点：
    • 投保年龄：放宽至0-70岁。
    • 医院范围：扩展至特需部、国际部。
    • 免赔额：可选0元或1万元，更灵活。
    • 保障责任：在惠享版基础上，新增院外责任：
      1. 术后康复（3万额度）
      2. 院外基因检测（3万额度）
      3. 院外特药/药械（50万额度）
      4. 先进疗法（质子重离子、CAR-T疗法）
    • 额度：年度总保额400万。
    • 续保：为一年期非保证续保产品。
  • 增值服务升级：在惠享版服务基础上，增加专家点诊、专车接送、特需/国际部直付（无需客户垫付，保护家庭和企业现金流）、海外特药等。
3. 颐享版（高端全球款）
  • 目标客群：追求全球顶级医疗资源的高端客户。
  • 核心升级点：
    • 医院范围：覆盖全球（含港澳台，可选除美或全球）。
    • 额度：提升至800万/年。
    • 保障责任：院外责任额度提升（术后康复、基因检测增至5万），并增加特定疾病（如先天性疾病、精神类疾病）保障。
  • 增值服务：提供顶配的全球服务，如全球紧急援助、海外就医直付、海外二次诊疗意见等，实现省心、省力、省钱的全球就医体验。
4. 加享系列（灵活搭配款）
  • 产品定位：作为附加险，与主险（如惠享版）搭配销售，实现保障升级。
  • 各计划区别：
    • 加享1：主要提供院外责任（基因检测、特药、先进疗法），无院前院中保障，需搭配主险。
    • 加享2：提供“院前-院中-院后”全程保障，包含特需/国际部，额度200万，对标尊享版。
    • 加享3/4/5：额度提升至600万，增加特定疾病保障，提供全球医疗服务，对标高端医疗。
咨询微信号：rafavi001
1. e生保·惠享版（基础款）
  • 核心卖点：保证续保20年，提供长期稳定的基础保障。
  • 适用人群：追求保障稳定性、预算有限的大众家庭。
  • 医院范围：仅限于中国大陆地区的二级及以上医保定点医院普通部（包含公立和私立）。
  • 特色保障：住院垫付服务，解决大病就医的资金周转难题。
  • 销售策略：鼓励家庭投保，2人享95折，3人享9折，4人及以上享85折。
2. e生保·尊享版（中端款）
  • 核心卖点：覆盖特需部、国际部，解决“院外购药”难题。
  • 升级保障：
    • 院外特定药品费用：保额50万。
    • 院外基因检测：保额3万。
    • 先进疗法：包含质子重离子和CAR-T治疗。
  • 特色服务：特需/国际部直付（客户不用掏钱，由保险公司和医院直接结算）、专家点诊、手术安排。
  • 注意：虽可续保至100岁，但为非保证续保产品。
3. e生保·颐享版（高端款）
  • 核心卖点：全球医疗网络，突破境内医疗资源限制。
  • 升级保障：
    • 额度更高：总保额800万，院外责任额度提升（如术后康复5万）。
    • 突破免责：承保绝大多数产品免责的先天性疾病和精神类疾病。
    • 特疾保障：含保障区域外的紧急医疗救助、重疾交通补贴等。
  • 特色服务：全球就医直付、海外二次诊疗意见、海外就医协助、全球急难援助等全方位高端服务。
4. e生保·加享版（附加计划） - 需与主险搭配购买
  • 定位：非独立主险，用于补充主险（通常是惠享版）的保障不足。
  • 计划一：仅包含院外责任（特药、基因检测、先进疗法），不包含住院和普通门急诊费用。适合已购买惠享版、希望补强特药保障的客户。
  • 计划二：提供完整的住院+院外责任，并扩展至特需部/国际部，保额200万。相当于用“惠享版+加享二”组合成一个“尊享版”。
  • 计划三/四/五：在计划二基础上，医院范围扩展至全球，保额提升至600万，并增加特疾保障。相当于用“惠享版+加享五”组合成一个“颐享版”。
总体
  1. 产品体系清晰：平安e生保通过“惠享、尊享、颐享”覆盖不同客群，再通过“加享”实现灵活搭配，策略非常完善。
  2. 选择逻辑：
    • 看中稳定性：首选 惠享版。
    • 追求品质和特药保障：选择 尊享版 或 “惠享版 + 加享一”。
    • 需要特需/国际部就医：选择 尊享版 或 “惠享版 + 加享二”。
    • 需要全球保障：选择 颐享版 或 “惠享版 + 加享三/四/五”。
  3. 核心价值：整个产品系列的核心已从“事后报销”转向“就医全流程服务”，垫付和直付功能极大地提升了产品的实用价值和客户体验。
咨询微信号：rafavi001
Last edit: 13 Sep 2025 22:18 by service.

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Stack Trace

Error 
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  at /var/www/html/libraries/vendor/joomla/database/src/Mysqli/MysqliDriver.php:318
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