重疾險在購買後如果沒有發生理賠事件，還能不能退還保費
？

這也要看買的是什麼類型的終身重大疾病險分為消費型和儲蓄型：

xiaofeixingshizhibeibaoxianrengenbaoxiangongsiqiandinghetong，zailaiyuedingshijianneirubeibaoxianrenhuanfuhehetongneiyuedingdezhongyuandajibing，baoxiangongsianhetongneiyuedingdejinegeifu；如果在約定時間內未患合同內約定的重大疾病，保險公司也不能返還所交保費。

返(fan)還(hai)型(xing)其(qi)實(shi)是(shi)儲(chu)蓄(xu)型(xing)重(zhong)疾(ji)險(xian)的(de)一(yi)種(zhong)特(te)殊(shu)險(xian)種(zhong)

，有(you)到(dao)期(qi)返(fan)還(hai)的(de)功(gong)能(neng)，如(ru)果(guo)在(zai)保(bao)險(xian)知(zhi)期(qi)限(xian)內(nei)患(huan)符(fu)合(he)合(he)同(tong)內(nei)約(yue)定(ding)的(de)重(zhong)大(da)疾(ji)病(bing)
，即(ji)按(an)合(he)同(tong)約(yue)定(ding)獲(huo)得(de)理(li)賠(pei)
；如果保險合同到期限了或被保險人達到約定的年齡並沒有發生重大疾病，則返還合同內約定的金額。 也就是說如果購買的是儲蓄型終身重疾險是可以在道合同到期後返還合同內約定的金額。

ruguogoumaideshijuyoubaofeifanhaigongnengdezhongjixian，baozhangqixianneiruguomeiyouchuxian，wuxutuibao，baozhangqijiemanhoukefanhaiquanbuyijiaobaofei。ruchaoguogoumaidezhongjixianmeiyouchuxianlipeiguo，zaibaozhangqixianneikeyixiangbaoxiangongsishenqingtuibao，jiechubaoxianhetong，baozhangyehuishixiao。

市shi場chang上shang的de重zhong疾ji險xian產chan品pin分fen為wei返fan還hai型xing重zhong疾ji險xian和he消xiao費fei型xing重zhong疾ji險xian。前qian者zhe具ju有you儲chu蓄xu和he返fan還hai的de功gong能neng。即ji購gou買mai了le這zhe種zhong重zhong疾ji險xian，在zai保bao障zhang期qi限xian內nei未wei發fa生sheng理li賠pei，也ye是shi可ke以yi退tui錢qian的de。而er另ling一yi種zhong消xiao費fei型xing的de則ze不bu帶dai有you這zhe兩liang種zhong功gong能neng。被bei保bao險xian人ren隻zhi有you在zai患huan病bing時shi才cai可ke以yi得de到dao相xiang應ying的de理li賠pei。