想問一下重疾險每年的保費會不會增加？

一yi般ban來lai說shuo
，一yi年nian期qi的de重zhong疾ji險xian保bao費fei是shi按an自zi然ran費fei率lv計ji算suan。其qi費fei率lv是shi按an照zhao每mei一yi年nian齡ling段duan及ji期qi間jian的de死si亡wang率lv計ji算suan。嬰ying兒er時shi期qi和he老lao年nian時shi期qi的de死si亡wang率lv非fei常chang高gao，從cong青qing年nian到dao老lao年nian時shi期qi，死si亡wang率lv直zhi線xian上shang升sheng，所suo以yi保bao費fei自zi然ran也ye就jiu不bu斷duan增zeng加jia。而er長chang期qi的de重zhong疾ji險xian是shi按an保bao證zheng保bao費fei計ji算suan，相xiang當dang於yu平ping衡heng了le各ge年nian齡ling段duan，所suo以yi費fei用yong也ye就jiu不bu變bian。

muqian，jibingsiwangderenkouzhunianshangsheng
，tebieshizhongdajibing，jinnianlaigengshipinfa，gediquyiyuankeyishuoshibaoman。yidanfashengzhongji，bujinshijingjishangshouya，xinligengshishouya。suoyi，zhongjixianshifeichangyoubiyaode。dangran，goumaihezhongchanpinhaishiyaojiehezishenqingkuang。jingjishangjiejudenianqingrenqianqiketouduanqidezhongjixian
，jingjikuansongshi
，haishijianyichangqidezhongjixian，nenggouyufangnianlaozijinbuzu
，fudanzhong，shenzhifudanbuqidewenti。

關(guan)於(yu)重(zhong)疾(ji)險(xian)的(de)保(bao)費(fei)問(wen)題(ti)，不(bu)同(tong)的(de)公(gong)司(si)和(he)險(xian)種(zhong)，會(hui)有(you)不(bu)同(tong)情(qing)況(kuang)，一(yi)般(ban)來(lai)說(shuo)，市(shi)麵(mian)上(shang)有(you)兩(liang)種(zhong)類(lei)型(xing)的(de)重(zhong)疾(ji)險(xian)，看(kan)您(nin)買(mai)的(de)屬(shu)於(yu)哪(na)種(zhong)類(lei)型(xing)的(de)重(zhong)疾(ji)險(xian)，繳(jiao)費(fei)數(shu)額(e)也(ye)會(hui)有(you)所(suo)不(bu)同(tong)：

1、短期消費型重疾險。每年交的保費承擔的是1年及1年nian以yi下xia的de保bao障zhang
，所suo以yi年nian輕qing時shi保bao費fei便bian宜yi，年nian紀ji大da時shi保bao費fei貴gui。一yi年nian期qi重zhong疾ji險xian是shi自zi然ran費fei率lv，也ye就jiu是shi說shuo它ta和he百bai萬wan醫yi療liao險xian一yi樣yang，隨sui著zhe年nian齡ling的de增zeng加jia，保bao費fei是shi會hui上shang漲zhang的de。

2、changqifanhaixingzhongjixian。zhezhongjiushijunhengbaofei
，baoxiangongsihesuanchuzongtidebaofeiranhouchuyijiaonanianshu，meinianjiaodedouyiyang。zhezhongzhongjixianjiagebubian，suirannianqingdeshihoukansifeiyongbiduanqideshaogao，danshipingtanzaizhenggeshengmingxianshang，baozhangdelidugenghao。

重(zhong)疾(ji)險(xian)每(mei)年(nian)所(suo)要(yao)繳(jiao)納(na)的(de)保(bao)費(fei)是(shi)按(an)照(zhao)重(zhong)疾(ji)險(xian)的(de)自(zi)然(ran)費(fei)率(lv)或(huo)者(zhe)均(jun)衡(heng)費(fei)率(lv)來(lai)決(jue)定(ding)的(de)。每(mei)份(fen)重(zhong)疾(ji)險(xian)的(de)所(suo)采(cai)用(yong)的(de)費(fei)率(lv)都(dou)不(bu)太(tai)一(yi)樣(yang)。若(ruo)是(shi)采(cai)用(yong)自(zi)然(ran)費(fei)率(lv)，那(na)麼(me)這(zhe)份(fen)保(bao)險(xian)的(de)保(bao)費(fei)會(hui)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)加(jia)
，畢(bi)竟(jing)被(bei)保(bao)險(xian)人(ren)的(de)年(nian)齡(ling)越(yue)高(gao)，其(qi)身(shen)體(ti)健(jian)康(kang)狀(zhuang)態(tai)就(jiu)越(yue)差(cha)，所(suo)以(yi)發(fa)生(sheng)疾(ji)病(bing)的(de)可(ke)能(neng)性(xing)就(jiu)越(yue)大(da)。如(ru)果(guo)保(bao)險(xian)采(cai)用(yong)的(de)是(shi)均(jun)衡(heng)費(fei)率(lv)
，那(na)麼(me)基(ji)本(ben)上(shang)被(bei)保(bao)險(xian)人(ren)每(mei)年(nian)所(suo)需(xu)要(yao)繳(jiao)納(na)的(de)保(bao)費(fei)都(dou)是(shi)相(xiang)同(tong)的(de)，現(xian)在(zai)市(shi)麵(mian)上(shang)很(hen)多(duo)重(zhong)疾(ji)險(xian)產(chan)品(pin)所(suo)采(cai)用(yong)的(de)都(dou)是(shi)均(jun)衡(heng)費(fei)率(lv)。

ruguogoumaizhejingjinenglibugoudehua，jianyizaigoumaianziranfeilvjisuanbaofeidebaoxianshi，wubisansierhouxing。bijingbaoxianyidangoumaijiuyaojiaonashijiniandebaofei，ruoshizhongtubaofeijiaonabushang，daoshihouyeshihenmafandeshi。

您好！ meifenzhongjixiandebaofeibianhuadoushibutongde。shengjiangbuyi，zheyaokanninsuogoumaidezhongjixiansuocaiyongdefeilvshijunhengfeilvhaishiziranfeilv。ziranfeilvjiushisuizhebeibaoxianrennianlingdezengchangerzengchang，beibaoxianrendenianlingyueda，baoxianfeilvdebianhuafuduyueda。erjunhengfeilvzeshibaoxiangongsibagegenianlingduandebaofeijunhenghou，meiniangeichuyigejunzhi，beibaoxianrenxuyaoanzhaozhegejunzhilaijiaonabaoxianfeiyong。ruoningeifumugoumaidezhongjixiansuocaiyongdeshijunhengfeilv，nameyibanqingkuangxiazheliangfenbaoxianmeiniansuoxuyaojiaonadebaofeishibubiande；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)。