# 懂保汇-您的保险规划好帮手 — 先懂保，再投保，合理配置保险方案

> Insurance education and comparison platform with expert advice and product database. (iPhone/iPad app by Shanghai Hongdi Information Technology Co.,Ltd..)

- Source: https://appshunter.io/ios/app/id1582410895 (this page in markdown: same URL + `.md`)
- Developer: [Shanghai Hongdi Information Technology Co.,Ltd.](https://appshunter.io/developer/1581241955)
- Category: Lifestyle
- Price: Free
- Rating: 5.00/5 from 1 App Store ratings · 1 written reviews indexed
- Age rating: 17+
- Requires: iOS 12.0 · 124 MB
- Languages: Chinese
- Released: 2021-09-30
- Data updated: 2026-07-05
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/id1582410895/reviews.md

## What is 懂保汇?

懂保汇，贯彻先懂保，再投保的理念，让用户先懂保险，在买保险，帮助每一位用户买的明白，买的放心。
保险，不同于普通消费的即时感受，保险的真正价值来自于风险发生理赔时的服务。
因此在购买保险时，多数用户对于某款保险到底有没有用，是不是适合自己，认知是不深刻的，感知是不明显的。
尤其是拗口难懂的保险条款，几乎99%的用户都无法理解。
所以，我们来了！懂保汇来了！
懂保汇，致力于解决保险产品中存在的信息差、认知差。让大家在购买之前，清清楚楚的看懂每一个保险产品的核心项目，重点价值，理赔注意项，通过独家测评体系和PK系统，帮助用户更直观的理解。
在懂保汇，无论是重疾险、百万医疗险、健康险、寿险、意外险、车险、养老险、理财险等保险产品，都通过小编用直白的话，给用户讲的清楚明白。

 主要功能如下：

【智能选保险】
轻松几个问题，快速识别您的风险保障系数
基于大数据，为您推荐适合您家庭状况的保险方案

【轻松懂保险】
 用大白话讲明白保险，教你保险避坑，更好的购买适合自己的保险产品。

【产品库】
收录市面上近10000款保险公司的保险产品，在懂保汇，主流保险公司如平安保险、中国人保、太平洋保险、泰康保险、中国人寿、阳光保险、泰康人寿、太平人寿、新华人寿、众安保险、友邦保险等保险公司产品均有覆盖，让用户在查询保险产品时能够更快速高效。

【产品PK】
综合对比从统一的客观标准出发，简洁明了的产品对比
不同保险产品的优点缺点，对比之下一目了然，更好选择

【保险排行榜】
 综合不同维度系数，出具保险产品排行榜，看多数用户都在买什么产品，让您投保时更有参考性。

【短视频】
  各类短视频，1分钟让用户更懂保险的科普指南和避坑指南。

【代理人1V1咨询】
优选全国头部优秀代理人，免费咨询，免费出保险方案，管家式保险咨询服务。

## Key features

- Intelligent insurance selection based on risk assessment
- Simplified explanations of insurance products
- Database of nearly 10,000 insurance products
- Product comparison and ranking system
- Short video guides for insurance knowledge
- 1-on-1 consultation with insurance agents

## Recent user reviews (1 of 1)

All indexed reviews: https://appshunter.io/ios/app/id1582410895/reviews.md

### 5/5 — 很不错的一款app

*2022-08-15*

科普意义

## Frequently asked questions about 懂保汇

### What is 懂保汇?

懂保汇 is a platform designed to help users understand insurance products before purchasing them. It aims to bridge the information and understanding gap by providing clear explanations, comparisons, and expert advice.

### Does 懂保汇 have ads?

No, 懂保汇 is ad-free, allowing users to focus on understanding insurance information without distractions.

### How does 懂保汇 help users choose insurance?

It offers an intelligent selection feature that identifies your risk protection needs through a few questions and recommends suitable plans based on your family situation. It also provides product comparisons and rankings.

### Can I compare different insurance products on 懂保汇?

Yes, the app features a product PK system that allows for concise and objective comparisons of different insurance products, highlighting their pros and cons.

### What types of insurance are covered by 懂保汇?

懂保汇 covers a wide range of insurance products, including critical illness insurance, medical insurance, health insurance, life insurance, accident insurance, car insurance, pension insurance, and investment-linked insurance.

### Is there a cost to use 懂保汇?

懂保汇 is free to download and use, with the option for in-app purchases for additional services or premium features.

### Can I get personalized insurance advice on 懂保汇?

Yes, 懂保汇 offers 1-on-1 consultations with selected top insurance agents nationwide, providing free advice and customized insurance plans.

### How often is 懂保汇 updated?

The app was last updated on November 12, 2022, with version 2.2.4. This indicates regular updates to maintain and improve its features and product database.

## Version history (last 5 releases)

### 2.2.4 — 2022-11-12

懂保汇v2.2.4更新如下：
_【代理人直播优化】优化代理人直播交互体验；开启联动直播功能
_【社交电商】保险“拼团”，掌握私域流量
_【车险优化】优化车险计算器交互及视觉效果
_【优化更新】修复了一些bug

如果喜欢我们的话，请给我们五星好评呀~
懂保汇:先懂保，再投保

### 2.2.1 — 2022-10-27

懂保汇v2.2.1更新如下：
_【优化更新】修复了一些bug

如果喜欢我们的话，请给我们五星好评呀~
懂保汇:先懂保，再投保！

### 2.1.12 — 2022-09-29

懂保汇v2.1.12更新如下：
_【车险产品】新增主流车险产品，包括机动车和新能源车商业险的产品特点、注意事项及条款细节等信息，涉及人保、太平洋、平安等头部车险品牌
_【车险计算器】新增车险报价预估计算功能，让您客观了解车险构成，明明白白买车险！
_【帮我选保险】交互优化，提升展示体验
_【引导优化】根据用户自主选择的需求目的，提供明确引导，提升使用体验

如果喜欢我们的话，请给我们五星好评呀~
懂保汇:先懂保，再投保！

### 2.1.8 — 2022-09-15

懂保汇v2.1.8更新如下：
_【产品留资优化】产品详情-进入右下角免费咨询，关联您感兴趣的顾问留资更方便
_【登录】让您登录快人一步
_【帮我选保险】支持页面信息定位，更方便查看保障方案
_【懂保课堂更新】上架更多优质课程，成为保险“尖子生”
如果喜欢我们的话，请给我们五星好评呀~
懂保汇:先懂保，再投保！

### 2.1.4 — 2022-08-31

懂保汇v2.1.4更新如下：
_修复了一些已知问题、体验改进优化
如果喜欢我们的话，请给我们五星好评呀~
懂保汇:先懂保，再投保！

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-05.*