重疾險理賠後還能續保嗎

zhongjixianlipeihouxubaobushimeiyoukeneng
，zhibuguokenengxingshifenweixiao，qizhongzhuyaodeyuanyinyoubeibaoxianrennianlingzengda，huanbingfengxianzengda，yijijibingzhijianxianghuqianyin。

就jiu算suan被bei保bao險xian人ren能neng夠gou通tong過guo續xu保bao審shen核he，也ye很hen有you可ke能neng被bei加jia費fei承cheng保bao或huo者zhe除chu外wai責ze任ren承cheng保bao，前qian者zhe意yi味wei著zhe需xu要yao花hua費fei更geng多duo的de錢qian
，後hou者zhe則ze可ke能neng得de不bu到dao最zui實shi質zhi的de保bao障zhang。因yin此ci不bu如ru投tou保bao多duo次ci賠pei付fu的de重zhong疾ji險xian，多duo次ci賠pei付fu重zhong疾ji險xian顧gu名ming思si義yi就jiu是shi能neng夠gou賠pei付fu多duo次ci
，免mian去qu了le續xu保bao的de麻ma煩fan。常chang見jian的de多duo次ci賠pei付fu重zhong疾ji險xian將jiang重zhong疾ji分fen組zu，按an組zu理li賠pei，最zui多duo可ke以yi賠pei付fu三san次ci，為wei被bei保bao險xian人ren提ti供gong了le更geng有you力li的de保bao障zhang。

我曾經有過類似的經曆：兩liang年nian前qian我wo給gei父fu母mu各ge買mai了le一yi份fen重zhong疾ji險xian，隨sui著zhe時shi間jian推tui移yi我wo父fu親qin的de身shen體ti狀zhuang況kuang越yue來lai越yue差cha，今jin年nian我wo父fu親qin被bei查zha出chu患huan有you心xin肌ji梗geng塞sai，保bao險xian公gong司si賠pei付fu後hou我wo父fu親qin的de心xin肌ji梗geng塞sai已yi經jing基ji本ben治zhi愈yu
，後hou來lai我wo想xiang申shen請qing續xu保bao卻que要yao審shen核he，保bao險xian公gong司si對dui我wo父fu親qin的de治zhi療liao結jie果guo和he身shen體ti狀zhuang況kuang進jin行xing全quan麵mian審shen核he後hou拒ju絕jue了le續xu保bao，理li由you是shi我wo父fu親qin的de心xin肌ji梗geng塞sai很hen可ke能neng引yin發fa其qi他ta心xin髒zang問wen題ti

，最zui後hou我wo隻zhi能neng作zuo罷ba。

baoxianxubaoshenhe。wulunbeibaoxianrensuohuanjibingheshentizhuangkuangruhe，douyaotongguobaoxiangongsidexubaoshenhe
，xubaoshenhewangwangbitoubaoshenhehaiyaoyange。zheshibeibaoxianrenyinweigangjinglijibingdezhemo，shentizhuangkuangyibandoubulixiang，xiangyaotongguoshenhenanduhenda
，dangranbupaichuteshuqingkuang。ruguotongguolebaoxiangongsidexubaoshenhe，toubaorenxuyaobodabaoxiangongsidekefurexianyuyewurenyuanyuedingshijian，zhunbeixiangguancailiao
，zaiyuedingshijianneijiangcailiaonadaohuozhejisongzhibaoxiangongsi
，wanchengxubao。

zhongjixianlipeishuomingbeibaoxianrenlihuanzhongdajibing，ermeigebeibaoxianrenhuanbingdeyanzhongchengduhezhiliaojieguodoubujinxiangtong。lipeihoushifounenggouxubaoqujueyuxialiejizhongyinsu：

所患重疾的性質。一些從性質上就能看出治愈幾率很低的重疾，出險後幾乎是不能續保的，比如惡性腫瘤晚期、終末期腎病等。一些治愈幾率高的重疾出險理賠後還是有一定續保的可能性。

beibaoxianrenshenqingxubaoshideshentizhuangkuang。heshangmianyidianbutongdeshi，zheyiyinsugengzhuzhongbeibaoxianrenbenshenerbushijibing。ruguobeibaoxianrentongguozhiliaosuohuanzhongjichedizhiyuhuozhefufadekenengxinghendi，baoxiangongsiyekenenghuitongguoshenqing。