商業醫療保險能保證續保嗎？

市麵上大多數醫療險對續保是如何規定的呢？

1.  連續續保不再計算等待期，不用重新核保

2.  停售後不能續保

3.  保險人不會因為某一被保險人的健康狀況變化和曆史理賠情況而單獨調整該被保險人的連續投保費率

目mu前qian
，市shi麵mian上shang銷xiao售shou的de大da多duo數shu醫yi療liao保bao險xian都dou不bu是shi保bao證zheng續xu保bao的de。也ye就jiu是shi說shuo，如ru果guo你ni購gou買mai的de是shi一yi年nian期qi的de醫yi療liao保bao險xian，如ru果guo被bei保bao險xian人ren在zai這zhe一yi年nian住zhu院yuan發fa生sheng理li賠pei了le
，保bao險xian公gong司si會hui重zhong新xin審shen核he被bei保bao人ren的de健jian康kang狀zhuang況kuang

，決jue定ding是shi否fou同tong意yi你ni繼ji續xu購gou買mai此ci份fen保bao險xian。

被保險人在年輕、jiankangdeshihoumeiniandoukeyixubao

，dangnilianxujiaoleshiduonianbaofei，mouyitianturanyingaoxueyazhuyuanfashenglexiaoelipei，baoxiangongsilimajiubanijubaole，burangnizaijixugoumaicifenbaoxian
，shibushihuiganjiaobeibaoxiangongsiqipianle？

而er保bao證zheng續xu保bao的de醫yi療liao保bao險xian絕jue不bu會hui因yin為wei被bei保bao險xian人ren罹li患huan任ren何he疾ji病bing而er拒ju絕jue你ni續xu保bao。所suo以yi，購gou買mai醫yi療liao保bao險xian時shi首shou先xian明ming確que此ci份fen保bao險xian是shi否fou是shi保bao證zheng續xu保bao的de，這zhe樣yang就jiu可ke以yi有you效xiao避bi免mian以yi後hou與yu保bao險xian公gong司si發fa生sheng糾jiu紛fen。

nihao，qishixianzaiwoguo，chuleshebaozhongdeyibaoyouguojiachengyao，dabufenshangyeyiliaobaoxiandoushibuchengnuoxubaode。dajiazhiyaoyibaozuizhongyaodejiushibaozhangqichang
，zheyangcaikeyihuodegengquanmiandebaozhang。yincixianzairemendebaiwanyiliaoxiandougeichulexubaodechengnuo，suirannianxianbuchang，danhenhaodimibulebunengxubaodekongbai。danguolechengnuoqinenggouxubao，queshibuquedingde。

這種一年一交的百萬醫療險，保險公司會通過提高保費、tingshoulaijiangdizijidefengxian，yincixuanzeyikuanxubaotiaojianhaodeshangyeyiliaobaoxian，qishigengfuheshijiyidian。suiranchanpintingshoubuhuiyingxianglipei

，danyibufenchanpinzaitingshouhoujiubukeyixubaole
，dajiayidingyaochuyibaoxiantiaokuanzhongyoumeiyoumingqueshuomingguanyuxubaodexiangguanneirong。