最近看到重疾險合同上有疾病終末期保障和身故保障，想問一下這兩個能不能一起拿？

疾ji病bing終zhong末mo期qi保bao險xian金jin與yu身shen故gu保bao險xian金jin的de理li賠pei，如ru果guo保bao險xian公gong司si在zai保bao險xian合he同tong中zhong沒mei有you兩liang者zhe理li賠pei僅jin賠pei其qi一yi或huo者zhe其qi他ta說shuo明ming，我wo們men都dou是shi默mo認ren這zhe兩liang者zhe的de理li賠pei是shi不bu衝chong突tu的de。

事(shi)實(shi)上(shang)疾(ji)病(bing)終(zhong)末(mo)期(qi)保(bao)險(xian)金(jin)可(ke)以(yi)看(kan)作(zuo)是(shi)提(ti)前(qian)給(gei)付(fu)的(de)身(shen)故(gu)保(bao)險(xian)金(jin)，如(ru)果(guo)保(bao)險(xian)產(chan)品(pin)種(zhong)同(tong)時(shi)包(bao)含(han)兩(liang)項(xiang)保(bao)險(xian)責(ze)任(ren)，在(zai)這(zhe)種(zhong)情(qing)況(kuang)下(xia)

，保(bao)險(xian)公(gong)司(si)也(ye)隻(zhi)能(neng)賠(pei)付(fu)其(qi)中(zhong)之(zhi)一(yi)。如(ru)果(guo)被(bei)保(bao)險(xian)人(ren)領(ling)取(qu)了(le)疾(ji)病(bing)終(zhong)末(mo)期(qi)保(bao)險(xian)金(jin)就(jiu)不(bu)能(neng)領(ling)取(qu)身(shen)故(gu)保(bao)險(xian)金(jin)了(le)。

對(dui)於(yu)疾(ji)病(bing)終(zhong)末(mo)期(qi)保(bao)險(xian)金(jin)和(he)身(shen)故(gu)保(bao)險(xian)金(jin)的(de)理(li)賠(pei)是(shi)否(fou)衝(chong)突(tu)的(de)問(wen)題(ti)

，要(yao)看(kan)您(nin)所(suo)購(gou)買(mai)的(de)保(bao)險(xian)合(he)同(tong)內(nei)的(de)具(ju)體(ti)規(gui)定(ding)。一(yi)般(ban)來(lai)說(shuo)，如(ru)果(guo)您(nin)所(suo)購(gou)買(mai)的(de)是(shi)單(dan)次(ci)賠(pei)付(fu)的(de)重(zhong)疾(ji)險(xian)，那(na)麼(me)這(zhe)種(zhong)保(bao)險(xian)一(yi)般(ban)是(shi)沒(mei)有(you)設(she)置(zhi)疾(ji)病(bing)終(zhong)末(mo)期(qi)保(bao)險(xian)金(jin)的(de)；ruguoninsuogoumaideshiduocipeifudezhongjixian，zhelideduocipeifuyibanzhideshizhongdajibingdeduocilipei，duiyujibingzhongmoqibaoxianjinheshengubaoxianjindelipeitongchangyeshijinpeiqiyide。danruguoyoufenzhongjixianjiangjibingzhongmoqidandulieweibingzhong
，namezaizhezhongqingkuangxia，jibingzhongmoqibaoxianjinheshengubaoxianjindelipeibingbuchongtu。