最近想買一份重疾險，聽說有病是買不了的，我想問一下，如果投保人不知道自己有病
，還能買嗎？

toubaorenzaitoubaoqiananzhaoguidingshiyaorushigaozhishentishifouhuanyoujibingde，baoxiangongsizaigenninqiandinghetongqiandouhuiyaoqiutijian，zhiyaoninmeiyourenweiyingxiangtijianguochengjiubuhuichengdanweiguizeren。yejiushishuozhiyaobaoxiangongsimeiyouzhengjuzhengmingnizaigoumaiqianjiuyijingzhidaogaijibingle，nameyibandoushimeiyouwentide，lipeishizhaoyangpeide。

保(bao)險(xian)公(gong)司(si)會(hui)對(dui)大(da)額(e)保(bao)單(dan)和(he)隨(sui)機(ji)對(dui)小(xiao)額(e)保(bao)單(dan)被(bei)保(bao)人(ren)進(jin)行(xing)體(ti)檢(jian)，如(ru)果(guo)體(ti)檢(jian)沒(mei)有(you)查(zha)出(chu)問(wen)題(ti)承(cheng)保(bao)
，要(yao)看(kan)被(bei)保(bao)人(ren)對(dui)於(yu)疾(ji)病(bing)隱(yin)瞞(man)的(de)具(ju)體(ti)情(qing)況(kuang)。對(dui)於(yu)急(ji)性(xing)病(bing)如(ru)艾(ai)滋(zi)，如(ru)果(guo)投(tou)保(bao)人(ren)不(bu)承(cheng)認(ren)自(zi)己(ji)在(zai)投(tou)保(bao)前(qian)有(you)病(bing)而(er)保(bao)險(xian)公(gong)司(si)拿(na)不(bu)出(chu)實(shi)質(zhi)證(zheng)據(ju)，保(bao)險(xian)公(gong)司(si)承(cheng)擔(dan)保(bao)險(xian)責(ze)任(ren)；對於慢性病如糖尿病，即使投保人不承認自己在投保前知道有病
，保險公司一般都能找到實質證據（醫保卡刷卡記錄、就醫記錄等）
，這樣的話就要看證據說話了。 還有一種情況就是，保險公司或代理人知道你有病，但是為了公司業績而承保
，那就算有證據也要承擔保險責任

daibingtoubaozhuyaoyouguyiyinmanbingqingyuwuyiweidengjibingqing，yincidaibingtoubaofenweiguyidaibingtoubaoyufeiguyidaibingtoubaoliangzhong
，zhiyouqianzhecaishuyubaoxianzhapianfanchou；erhouzhebujinbushuyubaoxianzhapian，baoxiangongsizaibaoxianhetongmanliangnianhoubunengjiechuhetong
，xuyaojinxingpeifu，ruguoliangnianneizhachujibingbaoxiangongsikenenghuijiechuhetong。