重疾險的保費會不會增加啊？

yibanlaishuo，yinianqidezhongjixianbaofeishianziranfeilvjisuan。qifeilvshianzhaomeiyinianlingduanjiqijiandesiwanglvjisuan。yingershiqihelaonianshiqidesiwanglvfeichanggao，congqingniandaolaonianshiqi，siwanglvzhixianshangsheng，suoyibaofeiziranyejiubuduanzengjia。erchangqidezhongjixianshianbaozhengbaofeijisuan
，xiangdangyupinghenglegenianlingduan，suoyifeiyongyejiububian。

長期的重疾險一般采用均衡費率
，可以選擇保20年、30年nian，它ta的de特te點dian是shi每mei年nian保bao費fei都dou是shi一yi樣yang的de。因yin為wei每mei年nian保bao費fei固gu定ding不bu變bian，即ji使shi之zhi後hou身shen體ti狀zhuang況kuang發fa生sheng了le變bian化hua
，或huo者zhe產chan品pin停ting售shou了le，都dou不bu會hui影ying響xiang長chang期qi重zhong疾ji險xian續xu保bao。一yi年nian期qi的de重zhong疾ji險xian采cai用yong的de是shi自zi然ran費fei率lv，年nian齡ling越yue大da保bao費fei會hui越yue高gao。

長期重疾險可以給予被保險人長期的保障，一年期的重疾險隻能提供短期的保障
，算是過渡性的產品。

nihao，guanyuzhongjixiandebaofeiwenti，butongdegongsihexianzhong
，huiyoubutongqingkuang
，yibanlaishuo，shimianshangyouliangzhongleixingdezhongjixian，kanninmaideshuyunazhongleixingdezhongjixian

，jiaofeishueyehuiyousuobutong：

1、短期消費型重疾險。每年交的保費承擔的是1年及1nianyixiadebaozhang，suoyinianqingshibaofeibianyi，nianjidashibaofeigui。yinianqizhongjixianshiziranfeilv，yejiushishuotahebaiwanyiliaoxianyiyang
，suizhenianlingdezengjia，baofeishihuishangzhangde。

2、長(chang)期(qi)返(fan)還(hai)型(xing)重(zhong)疾(ji)險(xian)。這(zhe)種(zhong)就(jiu)是(shi)均(jun)衡(heng)保(bao)費(fei)，保(bao)險(xian)公(gong)司(si)核(he)算(suan)出(chu)總(zong)體(ti)的(de)保(bao)費(fei)然(ran)後(hou)除(chu)以(yi)繳(jiao)納(na)年(nian)數(shu)
，每(mei)年(nian)交(jiao)的(de)都(dou)一(yi)樣(yang)。這(zhe)種(zhong)重(zhong)疾(ji)險(xian)價(jia)格(ge)不(bu)變(bian)，雖(sui)然(ran)年(nian)輕(qing)的(de)時(shi)候(hou)看(kan)似(si)費(fei)用(yong)比(bi)短(duan)期(qi)的(de)稍(shao)高(gao)，但(dan)是(shi)平(ping)攤(tan)在(zai)整(zheng)個(ge)生(sheng)命(ming)線(xian)上(shang)
，保(bao)障(zhang)的(de)力(li)度(du)更(geng)好(hao)。

這zhe要yao看kan您nin所suo購gou買mai的de重zhong疾ji險xian所suo采cai用yong的de費fei率lv是shi均jun衡heng費fei率lv還hai是shi自zi然ran費fei率lv。自zi然ran費fei率lv就jiu是shi隨sui著zhe被bei保bao險xian人ren年nian齡ling的de增zeng長chang而er增zeng長chang，被bei保bao險xian人ren的de年nian齡ling越yue大da，保bao險xian費fei率lv的de變bian化hua幅fu度du越yue大da。而er均jun衡heng費fei率lv則ze是shi保bao險xian公gong司si把ba各ge個ge年nian齡ling段duan的de保bao費fei均jun衡heng後hou
，每mei年nian給gei出chu一yi個ge均jun值zhi，被bei保bao險xian人ren需xu要yao按an照zhao這zhe個ge均jun值zhi來lai繳jiao納na保bao險xian費fei用yong。若ruo您nin給gei父fu母mu購gou買mai的de重zhong疾ji險xian所suo采cai用yong的de是shi均jun衡heng費fei率lv，那na麼me一yi般ban情qing況kuang下xia這zhe兩liang份fen保bao險xian每mei年nian所suo需xu要yao繳jiao納na的de保bao費fei是shi不bu變bian的de；若ruo您nin給gei父fu母mu購gou買mai的de重zhong疾ji險xian所suo采cai用yong的de是shi自zi然ran費fei率lv，那na麼me這zhe兩liang份fen保bao險xian每mei年nian所suo需xu要yao繳jiao納na的de保bao費fei基ji本ben上shang都dou會hui逐zhu年nian增zeng加jia
，保bao險xian公gong司si會hui根gen據ju每mei年nian的de重zhong疾ji險xian自zi然ran費fei率lv來lai收shou取qu保bao費fei。