聽別人說，購買重疾險兩年後，是不是無論什麼情況，保險公司就一定會賠！

自合同成立之日起超過二年的，保險人不得解除合同;發(fa)生(sheng)保(bao)險(xian)事(shi)故(gu)的(de)，保(bao)險(xian)人(ren)應(ying)當(dang)承(cheng)擔(dan)賠(pei)償(chang)或(huo)者(zhe)給(gei)付(fu)保(bao)險(xian)金(jin)的(de)責(ze)任(ren)。但(dan)是(shi)如(ru)果(guo)投(tou)保(bao)人(ren)故(gu)意(yi)不(bu)履(lv)行(xing)如(ru)實(shi)告(gao)知(zhi)義(yi)務(wu)的(de)，保(bao)險(xian)人(ren)對(dui)於(yu)合(he)同(tong)解(jie)除(chu)前(qian)發(fa)生(sheng)的(de)保(bao)險(xian)事(shi)故(gu)，不(bu)承(cheng)擔(dan)賠(pei)償(chang)或(huo)者(zhe)給(gei)付(fu)保(bao)險(xian)金(jin)的(de)責(ze)任(ren)，並(bing)不(bu)退(tui)還(hai)保(bao)險(xian)費(fei)。

toubaorenyinzhongdaguoshiweilvxingrushigaozhiyiwu，duibaoxianshigudefashengyouyanzhongyingxiangde，baoxianrenduiyuhetongjiechuqianfashengdebaoxianshigu，buchengdanpeichanghuozhegeifubaoxianjindezeren，danyingdangtuihaibaoxianfei。

兩liang年nian不bu可ke抗kang辯bian條tiao款kuan是shi指zhi自zi合he同tong成cheng立li之zhi日ri起qi超chao過guo兩liang年nian的de，保bao險xian人ren不bu得de解jie除chu合he同tong，發fa生sheng保bao險xian事shi故gu的de，保bao險xian人ren應ying承cheng擔dan賠pei付fu責ze任ren。但dan是shi保bao險xian兩liang年nian不bu可ke抗kang辯bian條tiao款kuan的de適shi用yong是shi有you條tiao件jian的de，尤you其qi是shi帶dai病bing投tou保bao。帶dai病bing投tou保bao分fen為wei不bu知zhi情qing帶dai病bing投tou保bao和he故gu意yi帶dai病bing投tou保bao，不bu知zhi情qing帶dai病bing投tou保bao可ke以yi得de到dao賠pei付fu
，而er故gu意yi帶dai病bing投tou保bao則ze會hui被bei拒ju絕jue賠pei付fu。不bu可ke抗kang辯bian條tiao款kuan如ru此ci規gui定ding是shi為wei了le防fang止zhi有you人ren違wei背bei最zui大da誠cheng信xin原yuan則ze從cong中zhong漁yu利li。

所有的保險合同成立兩年後保險公司都不得解除合同，這是《保險法》zhongduibukekangbiantiaokuandeguiding。yincininbubiweilebukekangbiantiaokuanxuanzezhongjixian，yinggaigenjuxuqiuxuanzeheshidebaoxian。danbingbushishenmeqingkuang，baoxiangongsijiuhuipei，ruguocunzaiguyipianbaoxingweihaishihuibeijupeide。