天安人寿吉祥树终身寿险(分红型)和超级玛丽重疾险二号max,哪个好一点？
哪个性价比高一点？建议购买哪一个？哪款比较有保障？
推荐回答（2个）
你好，关于这个问题呢，我们也不好说哪一个保险更好，因为保险产品各有各的优缺点，它适不适合客户呢也是因人而异，这里分别对这两类保险产品做一个简单的对比，你可以稍加分析一下，看看哪一款保险更适合您自己，毕竟适合的才是最好的嘛。
首先，关于天安人寿吉祥树终身寿险（分红型）天安吉祥树2号是一款全新的重疾险产品，是继长城康健人生、华夏的华夏福之后又一款返还保费的重疾险，并且返还的时间是最早的，最早可以选择66岁返还保费。不仅返还保费，健康源2号增强版的保障责任也非常全面，涵盖身故、全残、重大疾病、轻症、轻症豁免等保障，是一款具有看病、养老、传承三位一体功能的终身重疾保障计划。天安人寿吉祥树2号的特点如下：
1、重大疾病种类105种，轻症50种，均创造了行业的新高
2、轻症每次给付保额的30%，最多可以赔付5次
3、18岁前得了重大疾病赔付保额的2倍，不过未成年人购买最多保额是40万，这样18岁前最多可以赔付80万
4、可以选择66/77/88/99周岁四个年龄领取所有保费，不过选择不同的年龄领取，保费是不相同的
5、不含冠状动脉介入手术（非开胸手术），也就是我们常说的支架。
这款产品比较适合喜欢病种保障范围大、轻症保障病种多、轻症多次给付的客户，除了以上特点，吉祥树2号还带有一些其他的目前主流功能，比如绿色通道、轻症豁免，还有危重疾病、疾病终末期。
其次是关于超级玛丽这一款保险，升级后的超级玛丽2号Max主要体现在4个方面：1、前期杠杆比更高升级后的超级玛丽2号Max，60岁前可以赔付160%的保额，相比于老版杠杆比更高。同样是投保50万保额，如果55岁不幸罹患重疾，超级玛丽2号Max可以多得5万块，更好的保障了整个收入期。2、优化特定疾病。心脑血管疾病理赔前三名为：急性心肌梗死、脑中风后遗症和冠状动脉搭桥术。超级玛丽2号Max正好包含这三种，含金量非常高。目前还没有看到其他产品里的心血管疾病二次赔付责任包含脑中风后遗症。这一点还是挺不错的，
超级玛丽2020Max的特疾二次赔付为癌症&心血管疾病二赔一。如果癌症复发那么心血管疾病的责任就失效了。这次超级玛丽2号Max将两个责任拆开，自由度更高的同时，保障也更全面。但是缺点就是它的整体费率变高了。
希望我的回答对你有帮助。
你说两款产品不是同一险种，吉祥树终身寿险属于寿险，保障的是身故和全残，也就是说没了残了赔偿保险金，至于分红就是保费高点，给点甜头那样吧，羊毛出在羊身上。重疾险呢是罹患合同里重大疾病或某种健康状态赔付保险金的保险，主要保障的是患病的治疗康复费用和病后生活费，营养费用等等，重疾险又叫收入补偿保险，就是因病造成的收入减少或缺失得到补偿。购置保险应先考虑保障，应顺序购买意外险，重疾险，医疗险，寿险，子女教育金，养老年金险，财富传承。
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