How do the elderly buy insurance?

For most people, it is very necessary to choose some insurance. After all, there is no way to predict risks, so in order to get more comprehensive protection for themselves, most people will choose to buy insurance to transfer risks.

So for the elderly, do you need to buy insurance? What should I pay attention to when buying insurance? Senior, let me tell you!

Before reading it, collect this information about buying insurance for parents:

You need to know what insurance to buy for your parents.

1. What kind of insurance should the elderly buy?

1, medical insurance

Medical insurance can not only reimburse the hospitalization expenses caused by diseases, but also the hospitalization expenses caused by accidents, which generally include outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization expenses, operation expenses, and various inspection fees.

Small medical insurance and millions of medical insurance are all included in medical insurance. Senior sister suggested buying millions of medical insurance for the elderly. Because millions of medical insurance only needs a few hundred yuan, but there will be millions of insurance coverage.

Moreover, most of the millions of medical insurance are not limited to social security drugs. Of course, the scope of insurance is also wide, value-added services are practical, and there are green services and expert consultation.

2. Accident insurance

Because the elderly are old, the flexibility of the body is inevitably not as good as before, and it is easy to stumble.

Senior sister has a suggestion, that is, I hope everyone will pay hundreds of dollars a year to buy a practical accident insurance for their parents, which can prevent accidental risks.

Let me remind you that when buying accident insurance for the elderly, you should pay attention to accident medical insurance. Once the old people have a fall and bruise, it takes a long time to recover, and the medical expenses are also quite a lot.

3. Cancer prevention insurance

Most people are over 55 years old, so it is difficult to buy critical illness insurance. Let's just say that even if you buy critical illness insurance, the premium will still be upside down.

Everyone can buy an anti-cancer insurance, which can be used to make up for the shortage of critical illness insurance.

In fact, anti-cancer insurance is somewhat similar to critical illness insurance, except that critical illness insurance covers a variety of high and critical diseases, but this kind of anti-cancer insurance protects cancer, a serious disease.

Senior sister has compiled all the relevant contents of cancer prevention insurance:

What is cancer insurance, how to buy it, comprehensive analysis.

Here are some insurances suitable for parents. Remember to collect it ~

2. What insurance products are suitable for parents?

1, medical insurance

Senior sister is very optimistic about Zhongan Insurance's exclusive electronic health 202 1. The maximum insured population of this medical insurance is 70 years old, which is suitable for our parents.

Enjoy electronic health. The coverage of this product is 3 million for general medical insurance, doubled for serious illness medical insurance, and the proton heavy ion cost is 100%.

The most intimate thing is that the exclusive E-student 202 1 provides practical optional responsibilities such as overseas medical insurance for cancer, online outpatient and emergency medical insurance, and specific disease insurance for middle-aged and elderly people.

If you want to know more, please click the link below:

Enjoy the new upgrade of eHealth 202 1! Unfortunately, there is this little flaw ... "

2. Accident insurance

Xiaoxinbao Accident Medical Excellent Comprehensive Accident Insurance for the Elderly 2020 is an accident insurance product that is very suitable for the elderly to buy.

Xiaoxinbao comprehensive accident insurance for the elderly 2020 accepts insurance for the elderly aged 60-80 and is divided into two protection plans. Accident medical insurance can be reimbursed up to 20 thousand yuan, and the scope of social security reimbursement is not limited. 90% reimbursement at most is not bad.

Xiaoxinbao comprehensive accident insurance for the elderly is not only that, but also can add accidental fracture and joint dislocation protection, which is very cost-effective, and the highest compensation can be 1 10,000 yuan.

3. Cancer prevention insurance

Kangaibao cancer insurance of Kunlun Health was specially recommended by my senior sister. Compared with others, the insurance threshold is relatively broad. Among diseases, diabetes, three high people and cardiovascular diseases are not limited.

For the Kangaibao cancer insurance of Kunlun Health, the maximum limit is that people who are over 60 years old can participate in the insurance, and the guarantee time can be 80 years old or life, and the waiting period is only 180 days.

Kangaibao cancer insurance covers 100% of malignant tumors, and Kangaibao cancer insurance covers 20% of cancer in situ. After suffering from cancer in situ, the insurance premium can be exempted and the guarantee will continue to take effect. If parents meet the requirements, then this Kang Aibao cancer insurance is worth considering ~

To sum up, for friends who want to buy insurance for their parents, Senior Sister suggests that you configure it in the order of medical insurance+accident insurance+cancer insurance, and take advantage of the opportunity that parents meet the age of insurance and are in good health to "configure insurance for them as soon as possible".

Write it at the end

I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;

If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;

I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.

WeChat official account: Xueba said that insurance costs less, buy the right insurance!