【对谈50个行业专家】第二集，再访资深财务风险管理专家孟保宝，了解DRG医保改革的坑与桥，以智慧的手法对冲生活中的不确定风险。2025年7月21日（周一）43分钟【主持人】云雀Annie，零售市场客户体验官，品牌营销人，商业观察者【嘉宾】孟保宝，平安保险资深财务风险管理专家【内容提要】02:00 DRG医疗改革，到底是什么？它给普通人就医带来的影响有哪些？08:35 突破DRG限制：选择国际医疗部或福利医院治疗进口药和特效药10:45 了解医疗险种的区别：中端医疗 VS. 高端医疗的全面对比分析15:15 高端医疗：分级也有大不同16:30 中端医疗：住院费用的杠杆作用21:30 意外保险“不花钱”：五百万出门必备保障30:30 重疾险：不能拿来治病，它到底在干嘛？36:40 包裹偶然风险与必然风险的组合拳： 医疗险+重疾险对冲偶然风险 养老险+重疾险缓解必然风险38:39 敲黑板：银行利率下调对保险规划的重大影响（有干货，仔细听）本集孟保宝老师针对不确定风险，深入解析DRG医疗改革，提供普通人的就医困境的破局手段。如有更多问题，欢迎添加孟保宝老师微信。欢迎订阅、评论、转发。感谢收听，下期见！
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