重疾險出險理賠後，現金價值是不是就消失了？

yibanlaishuo，zhongjixianlipeihouxianjinjiazhijiuxiaoshile，danshixianshizhonghaicunzaiyixieteshudeqingkuang，youxiebaoxiandetedinglipeiyeshihuipeifuxianjinjiazhide。birumouzhongchanpinzaihetongzhongguidingruguobeibaoxianrenshengushiweiman18歲，則身故保險金的數額等於以下兩項中的較大者：累計繳納的保險費數額和被保險人身故之日合同的現金價值。

保bao險xian單dan的de現xian金jin價jia值zhi退tui還hai除chu了le以yi上shang情qing況kuang外wai還hai有you投tou保bao人ren申shen報bao的de被bei保bao險xian人ren年nian齡ling不bu真zhen實shi，並bing且qie其qi真zhen實shi年nian齡ling不bu符fu合he合he同tong的de年nian齡ling限xian製zhi，保bao險xian人ren應ying解jie除chu合he同tong退tui還hai保bao險xian單dan的de現xian金jin價jia值zhi；投保人故意造成被保險人死亡、被保險人自殺及被保險人故意犯罪或者抗拒依法采取的刑事強製措施導致其傷殘或死亡。

duiyuxianjinjiazhiwobingbushihenlejie

，buguowozhidaoxianjinjiazhiyibanzaituibaoshicaihuishejidao，ruguomeiyoupoqietuibaodexuqiudehua

，wojiaodemaihaolebaoxianjiubuyaoxiangzhenahuixianjinjiazhi。bijingwomenmaibaoxiandoushiweilededaogenghaodebaozhang，erbushichongzhexianjinjiazhilaide。jidedangchuzaitoubaozhongjixianshiyewuyuanzengshuoguobaoxiandandexianjinjiazhijinebingbugao。nidewentishilipeihoushifouhaiyouxianjinjiazhi，wojiaodemeiyou
，yinweinidouyijingnadaolebaoxianjin
，zainahuixianjinjiazhibudashiji。

現金價值是指帶有儲蓄性質的人身保險單所具有的價值，一般來說
，隻有長期保險才有現金價值

，短期保險（一年期及以內）是(shi)沒(mei)有(you)現(xian)金(jin)價(jia)值(zhi)的(de)。現(xian)金(jin)價(jia)值(zhi)不(bu)等(deng)於(yu)已(yi)交(jiao)保(bao)費(fei)
，而(er)是(shi)等(deng)於(yu)已(yi)交(jiao)保(bao)費(fei)減(jian)經(jing)營(ying)成(cheng)本(ben)和(he)保(bao)險(xian)公(gong)司(si)已(yi)經(jing)承(cheng)擔(dan)的(de)風(feng)險(xian)保(bao)費(fei)加(jia)上(shang)剩(sheng)餘(yu)保(bao)費(fei)所(suo)生(sheng)的(de)利(li)息(xi)。

在重疾險理賠後，其現金價值就已經為0，即便是多次賠付的重疾險，如果在理賠後
，退保也不會有保費退回。

zhongjixianlipeihouxianjinjiazhiqingling，buzaijisuan。yourenkenenghuiyihuoweishenmetuibaokeyinahuixianjinjiazhi，erchuxianlipeixianjinjiazhijiuhuiqingling。duiyuzheyidian，zuizhuyaodeyuanyinzaiyuchuxianlipeiyiweizhebaoxianhetongyijinglvxingwancheng，ertuibaoshitiqianzhongzhihetong
，beibaoxianrennenggounahuibufentourudejine。