重疾險的功能是什麼？

​youpengyoukenenghuiyiwen，womenxianzaidouyouyiliaobaoxian，yiliaobaoxianzuyifugaiwomenzhiliaofeiyong，yincizhongjixiandeyiyibudama。zhelijiandanshuomingxiayiliaoxiandebuchangtese。

以yi中zhong國guo的de社she會hui醫yi療liao保bao險xian為wei例li
，社she會hui保bao障zhang報bao銷xiao或huo單dan位wei報bao銷xiao首shou先xian是shi先xian支zhi付fu然ran後hou報bao銷xiao的de概gai念nian，這zhe意yi味wei著zhe即ji使shi它ta屬shu於yu賠pei償chang範fan圍wei，你ni也ye必bi須xu先xian花hua多duo少shao錢qian才cai能neng得de到dao報bao酬chou。在zai此ci基ji礎chu上shang報bao銷xiao。我wo們men報bao銷xiao的de金jin額e不bu會hui超chao過guo總zong費fei用yong。未wei列lie入ru社she會hui保bao障zhang藥yao物wu清qing單dan的de進jin口kou藥yao品pin和he營ying養yang品pin不bu能neng報bao銷xiao；beibaoxianrenchuyuanhoudekangfufeiyongbuzaishehuibaozhangbaoxiaofanweinei。zheshijishangjieshileweishenmebeibaoxianrenhuanyouzhongdajibing，jishizaiyiliaobaozhangxitongjiaohaodeoumeiguojia
，rengjiangchengshoujudajingjiyalideyali。

zhifuzhongdajibingbaoxianfeidetiaojianshiquezhenfukuan。zhiyaobeibaoxianrengoumailezhongdajibingbaoxianbingqiequerendejibingfuhebaoxiantiaokuanzhongdebaozhangduixiang，zekeyicongbaoxiangongsihuodebaoxianjinedezhifu。yinci
，zhongdajibingbaoxianzhuyaoyoulianggegongneng：一是支付被保險人因疾病、疾病狀態或手術治療而產生的高額醫療費用
；另一種是在生病後為被保險人提供經濟性的保障，盡可能避免被保險人的家庭陷入經濟困境。

重疾險的功能相對來說比較重要
，也比較全麵。所以還是希望在配置保險之初，能夠把重疾險放在首要考慮的位置。