想問一下，重疾險中的不分組賠付是什麼意思？

從理論上來講：不分組＞多分組＞少分組＞dancipeifuzhongjixian。yinwei
，tongzuzhongjizhinengpeifuyici，suoyi
，fenzushiweilejiangdigaofazhongjideercilipeifashenglv，ruguobufenzu
，huodeliangcipeifudegailvgaoyufenzuxingchanpin。

現實上推薦分組的重疾險會更好。

首先，不分組的產品較少，而且賠付次數最多2次（雖然知道第三次賠付的概率已經極低）；

其次
，賠付間隔一般更長，疾病種類較少；

第三，不分組產品的費率普遍比分組產品高。

多次賠付的重疾險會將重大疾病進行分組
，通常是二組或三組

，比如患第一組的A疾病時，重疾險獲得了賠付，但患第一組Bjibingshi，youyushiyizubingbunenghuodeercipeifu。zhiyouhuandierzuhuodisanzudejibingshi，cainengduocihuodepeifu。zheyangkanqilairuguojianggaofadezhongjifangzaitongyizu，xiangyaohuodeduocilipeijiubijiaonan。

如(ru)果(guo)不(bu)分(fen)組(zu)那(na)麼(me)是(shi)最(zui)理(li)想(xiang)的(de)狀(zhuang)態(tai)，這(zhe)樣(yang)不(bu)管(guan)患(huan)哪(na)種(zhong)重(zhong)疾(ji)都(dou)可(ke)以(yi)獲(huo)得(de)賠(pei)付(fu)，多(duo)次(ci)賠(pei)付(fu)與(yu)不(bu)分(fen)組(zu)的(de)重(zhong)疾(ji)險(xian)是(shi)目(mu)前(qian)市(shi)場(chang)上(shang)最(zui)受(shou)歡(huan)迎(ying)的(de)重(zhong)疾(ji)險(xian)產(chan)品(pin)。

zhongjifenzupeifujiushijianghetongzhongbaohandejishishangbaizhongjibinganzhongleihuafenweiliangzujiliangzuyishangdezuhe
，tongzuneidejibingzhinengpeifuyici，ruguogaizuzhongyourenyijibingpeifu，nametongzusuoyoujibingshixiao
，namejiuzhinengxiangshoushengxiadeqiyuzudejibingbaozhang。zhongjifenzuduocipeifuqishijiushibaoxiangongsizaijiangdiduocipeifudegailv。

zongheshangmiandexinxibunankanchu
，duiyuxiaofeizheeryan

，zhongjibufenzuduocipeifuyaobizhongjifenzuduocipeifuyaogenghao
，lingwaizhongjifenzuyueduoyaobifenzushaodegenghao。xianzaihenduozhongjixianjiangexingzhongliudandufenzu，bingqieyejianggaofazhongjifensanzaigezuzhong，zheyangdefenzufangshishibijiaohelide。

zhongjibufenzugumingsiyijiushizhibaoxianhetongzhongguidingdejibingmeiyoujinxingfennu
，meizhongjibingdouyoujihuihuodepeifu，qielipeidegailvdoushiyiyangde。xianzaishimianshangdedancipeifuzhongjixianchanpinbuhuiduizhongjijinxingfenzu，danshidabufenduocipeifuzhongjixianchanpintongchanghuiduizhongjishenzhiqingzhong
、中症進行分組賠付