I want to buy insurance for parents who have no social security in rural areas. What kind of insurance is better?

I think it can be purchased in the following order according to economic conditions.

1, reimbursement of medical insurance. (Reimbursement types cannot be superimposed, just buy one. )

Choose Huimin insurance. Huimin insurance is government-led, with a cost of more than 100 a year, and the price is the same as that of healthy young people. Appropriate subsidies for middle-aged and elderly people are cost-effective. And you can get insurance even if you are sick.

Theoretically, the reimbursement rate of millions of medical expenses is higher, but the requirements of medical insurance are higher and more expensive. If parents are not ill and have sufficient budget, they can buy this directly.

It is not recommended to buy anti-cancer medical insurance, and the coverage is a bit limited.

Purchase method: Search for "City Insurance" in Alipay, and select your city.

2. Payment-based cancer prevention insurance (which can be superimposed with reimbursement-based medical insurance) is not worth buying for serious illness over 50 years old. The premium is high and the insurance amount is low, so it is very likely that the premium will be upside down. And the health report of serious illness is very demanding.

Therefore, the payment-based cancer insurance is a good substitute. Three highs and cardiovascular and cerebrovascular diseases can be insured. If you are diagnosed, you will lose a lot of money at one time, and there are hundreds of thousands of people next to you. If you also have reimbursement medical insurance to reimburse some expenses, the pressure on your family will be much less and the mentality of the elderly will be much better. This is very important.

Purchase method: Pay for "cancer prevention insurance for middle-aged and elderly people". Generally, his gold-selected products will be more cost-effective.

3, reimbursement of accident insurance accident insurance is also very cheap, a few hundred a year, the elderly fall and other accidents can be used. Ranked third because if it is more serious, part of the responsibility can be borne by reimbursement of medical insurance.

Purchase method: pay "accident insurance for middle-aged and elderly people"