為什麼購買的醫療險每年的費用都不一樣
，但重疾險卻沒有變化
？

一yi般ban的de長chang期qi保bao險xian都dou是shi固gu定ding保bao費fei的de，每mei年nian所suo需xu要yao的de保bao費fei都dou是shi固gu定ding的de
，而er短duan期qi保bao險xian就jiu不bu一yi樣yang了le
，不bu同tong的de階jie段duan有you不bu同tong的de費fei率lv，保bao費fei也ye就jiu不bu一yi樣yang了le。具ju體ti因yin素su還hai是shi因yin為wei消xiao費fei者zhe的de風feng險xian，舉ju個ge例li子zi，消xiao費fei者zhe如ru果guo在zai今jin年nian因yin為wei患huan上shang原yuan位wei癌ai，用yong了le醫yi療liao險xian
，那na麼me在zai續xu保bao的de時shi候hou可ke能neng就jiu會hui被bei拒ju保bao
，因yin為wei風feng險xian太tai大da。

zheqishizhuyaohaishifeilvwenti，duanqideyiliaoxianyibancaiyongdeshiziranfeilv，caiyongzhegefeilvmeiniantadebaofeidouhuigenzhexiaofeizhedenianlingjinxingzengchang
，erchangqidezhongjixiancaiyongdeshijunhengfeilv，zhiyaodingxialai，jiubuhuigaibian（除非其他方麵改變）

保bao費fei發fa生sheng變bian化hua有you很hen多duo種zhong原yuan因yin
，如ru果guo是shi商shang業ye保bao險xian的de話hua，主zhu要yao是shi看kan你ni的de年nian齡ling

，年nian齡ling越yue大da需xu要yao繳jiao納na的de費fei用yong也ye就jiu越yue貴gui。其qi實shi原yuan因yin很hen簡jian單dan，就jiu是shi隨sui著zhe年nian齡ling的de變bian大da，風feng險xian也ye會hui越yue來lai越yue高gao。因yin此ci保bao費fei也ye就jiu越yue來lai越yue高gao了le。至zhi於yu為wei什shen麼me重zhong疾ji險xian沒mei有you變bian化hua，那na麼me這zhe就jiu是shi長chang期qi保bao險xian的de特te點dian了le，一yi旦dan簽qian訂ding合he同tong，確que定ding下xia來lai的de保bao費fei就jiu不bu會hui輕qing易yi改gai變bian。