我已經買了住院醫療險
，請問它能代替重疾險麼？

投(tou)保(bao)人(ren)不(bu)用(yong)過(guo)於(yu)在(zai)意(yi)兩(liang)種(zhong)保(bao)險(xian)是(shi)否(fou)可(ke)以(yi)替(ti)代(dai)的(de)問(wen)題(ti)，最(zui)佳(jia)的(de)建(jian)議(yi)是(shi)同(tong)時(shi)購(gou)入(ru)兩(liang)個(ge)不(bu)同(tong)的(de)險(xian)種(zhong)，無(wu)論(lun)是(shi)從(cong)投(tou)資(zi)角(jiao)度(du)，還(hai)是(shi)從(cong)風(feng)險(xian)規(gui)避(bi)角(jiao)度(du)來(lai)說(shuo)，都(dou)是(shi)最(zui)優(you)選(xuan)擇(ze)。

zhuyuanyiliaoxianyuzhongjixianshixiangfuxiangchengde，zhuyuanyiliaoxianhezhongjixianshilianggebutongdexianzhong，bukeyihuxiangdaiti
，dantamenshiyouhendalianxide。yinweiruguotoubaorenbuxinghuanzhongji，tiqiangeifudezhongjixiankeyiranghuanzhejiuyigengjiayoudiqi，toubaorenbuhuizaizhiliaoguochengzhongguoyudanxinyiliaofeiyongdewenti
，hainengduizhongbingqijianzaochengdeshourusunshijinxingbuchang。shihoubaoxiaoxingdeyiliaoxianyounengqidaoyiliaofeiyongbuchangdezuoyong。keyirangtoubaorenzaizhenggezhiliaoguochengzhongjianshaohouguzhiyou
，zhongbingdailaidexiaojiyingxiangyehuixiangyingdejianshao。

我wo在zai買mai保bao險xian之zhi前qian也ye問wen了le好hao多duo人ren查zha了le很hen多duo資zi料liao，也ye谘zi詢xun了le很hen多duo保bao險xian行xing業ye的de專zhuan業ye人ren士shi，最zui後hou決jue定ding兩liang個ge保bao險xian都dou買mai，就jiu當dang是shi多duo了le一yi份fen保bao障zhang。最zui後hou很hen不bu幸xing家jia裏li有you人ren生sheng病bing了le，保bao險xian公gong司si給gei我wo們men的de是shi醫yi藥yao費fei和he重zhong疾ji險xian的de理li賠pei
，等deng於yu說shuo是shi既ji報bao銷xiao了le醫yi藥yao費fei
，又you多duo了le一yi筆bi後hou期qi治zhi療liao的de費fei用yong，可ke算suan是shi幫bang了le家jia裏li的de大da忙mang，對dui我wo家jia裏li的de經jing濟ji情qing況kuang很hen有you幫bang助zhu。

自己覺得這兩個險種都挺好的，可以同時購買，雙重保障也更加放心一些！

一、它們理賠的方式不同

重zhong疾ji險xian的de理li賠pei時shi間jian比bi較jiao靠kao前qian，意yi思si就jiu是shi在zai確que診zhen有you理li賠pei範fan圍wei內nei重zhong大da疾ji病bing時shi，就jiu可ke以yi去qu申shen請qing重zhong疾ji險xian了le。比bi如ru說shuo很hen不bu幸xing確que診zhen了le重zhong大da疾ji病bing，這zhe時shi候hou就jiu可ke以yi拿na著zhe醫yi院yuan的de診zhen斷duan書shu去qu找zhao保bao險xian公gong司si進jin行xing賠pei付fu的de。但dan是shi醫yi療liao險xian理li賠pei時shi間jian是shi比bi較jiao靠kao後hou的de。住zhu院yuan之zhi後hou自zi己ji先xian拿na錢qian治zhi療liao，在zai開kai完wan藥yao品pin票piao據ju之zhi後hou才cai可ke以yi找zhao保bao險xian公gong司si拿na到dao理li賠pei款kuan，屬shu於yu實shi報bao實shi銷xiao。而er且qie最zui重zhong要yao的de是shi
，醫yi保bao加jia上shang住zhu院yuan醫yi療liao險xian的de報bao銷xiao費fei用yong
，是shi不bu會hui超chao過guo實shi際ji治zhi療liao花hua費fei的de。

二、它們的穩定性不同

住院醫療險大部分屬於短期保險。在保險條例中有這樣的規定：若ruo保bao險xian期qi滿man時shi該gai產chan品pin已yi停ting售shou，保bao險xian公gong司si將jiang不bu再zai接jie收shou續xu保bao申shen請qing。醫yi療liao險xian作zuo為wei近jin幾ji年nian的de新xin型xing保bao險xian，有you可ke能neng在zai您nin需xu要yao它ta的de時shi候hou停ting售shou，繼ji續xu投tou保bao其qi他ta公gong司si醫yi療liao險xian也ye會hui比bi較jiao麻ma煩fan，穩wen定ding性xing比bi較jiao差cha。而er重zhong疾ji險xian屬shu於yu比bi較jiao固gu定ding的de險xian種zhong

，是shi長chang期qi保bao險xian。投tou保bao時shi向xiang保bao險xian公gong司si固gu定ding繳jiao納na保bao費fei，在zai以yi後hou幾ji十shi年nian都dou可ke以yi沒mei有you後hou顧gu之zhi憂you了le。