一年期的重疾險好不好？

duobaoyutongchangbujianyigoumaiyiniandezhongdajibingbaoxian。yiniandezhongdajibingbaoxianzhishiyizhongyingxiaoshouduan，tashibaoxiangongsidechuncuilirun。shouxian
，zhengchangrenyinianneibukenenghuanshangyanzhongjibing
，danruguoninzaiyinianzhongyourenheshentizhuangkuang，ninkenengwufazaidierniangoumaibaoxian，youyushentiyuanyin
，zheshilisuodangrande。bingqieyinianqichanpinbubaozhengxuding，bingqiekenengyouyugezhongyuanyin（例如暫停、曆史索賠）而無法隨時購買。最壞的情況是：續約數年一年期的產品
，一直沒有生病，等身體一些亞健康
，保險買不到，這個時候沒有保障。

ciwai，yinianqibaoxianjiangmeinianzhifu，erqiemeiniandefeiyonghuishangzhang，shenzhihuidiandaogoumaibaoxianfeiyong。yuchangqizhongdajibingbaoxianxiangbi，changqicunzaibaozhang。chuyujiankangyuanyinhechanpinzanting，tabuhuimeiyoubaozhang
，yibanwei20年，年度成本是固定的
，整體價格更具成本效益。

yinci
，gengwendingdepeizhiluojijiyuzhouqixingjibinghuozhongshengjibingzuoweizhuyaodebaozhang，bingfuyiyinianqidezhongdajibingbaoxian。suoyihaishibutuijiandandanzhimaiyinianqidezhongjixiande。