How should parents over the age of 65 buy insurance?

Parents over the age of 65 should buy cancer insurance and accident insurance, because parents over the age of 65 are already considered to be an elderly group, and the elderly group is generally limited by the age of insurance and physical health when applying for insurance. Cancer insurance and accident insurance are more lenient on the insured person's age and physical health.

If you have a friend who wants to insure your parents in the near future, you can take a look at this article by the senior sister first:

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

So in the next time, the senior sister will introduce to you what insurance should be configured for parents over 65 years old? Don't talk nonsense, go straight to the dry goods!

1.Cancer insurance.

Under normal circumstances, the probability of the elderly suffering from a serious illness is relatively high, after suffering from a serious illness, surgery, nursing, nutrition, and other miscellaneous expenses in the hospital can instantly empty a well-off home in a short period of time.

Secondly, the insurance age of most critical illness insurance in the market is generally limited to 55 years old, and if you are over 55 years old, then you basically cannot be insured. Moreover, in addition to the age limit, health notification is also a threshold for the elderly, and it is difficult to choose the insurance product they want.

Cancer insurance is more friendly to the elderly, both in terms of the age range and health notice.

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2.Accident insurance.

As parents grow older, not only will their parents get older, but their health will deteriorate day by day, so the elderly are also more prone to accidents, and even small accidents can have a huge impact on their bodies.

Once the parents have an accident, there will be a certain amount of economic loss, accident insurance can help to resist the economic risk caused by the accident of the insured person, and reduce the economic loss to a certain extent.

So what accident insurance products are currently on the market that are worth insuring for parents? Senior sister will tell you in one article:

In 2023, the most worthwhile accident insurance is here.

Parents who are 65 years old should give priority to the allocation of accident insurance and the allocation of cancer insurance as needed. Because of the age and physical health of the elderly, it is relatively not so easy to buy insurance, you have to know some tips to buy insurance for the elderly, and you can see how to buy insurance for the elderly. What kind of insurance can I buy for my parents?

You can understand it at a glance.

For the elderly,Because the premium is upside down (This means that the total premium paid is about the same as the total sum assured of the product, or even higher).and physical causes(May not be able to pass the health notice).It is not suitable for buying critical illness insurance and life insurance, so how to choose insurance? Listen to me analyze slowly:

Buying insurance for the elderly? This is the right one! 》

Analysis of suitable insurance types for the elderly:

1. Medical insurance

This insurance is used to reimburse the reasonable expenses of hospitalization due to illness or accident, which is divided into millions of medical treatment and small medical treatment, and millions of medical care may be more cost-effective for the elderly.

People in their 50s are already a high-incidence group of diseases, and the incidence of common diseases such as three highs and stroke is getting higher and higher at this age.

If you have medical insurance,You can take the invoice to the insurance company for reimbursement after **, so you don't have to worry about affecting the normal life of the family.

Therefore, if you can't buy million medical insurance because of age or health problems, you can choose cancer insurance.

2. Cancer prevention insurance

This risk isIt is also a type of critical illness insurance for cancer (oncological diseases).

In addition to the three highs of common diseases for the elderly, cancer is also relatively common, and once cancer, the high medical expenses cannot be escaped, which is unaffordable for the vast majority of families.

With the protection of cancer insurance, parents at home can receive an insurance benefit of 100,000 yuan when they are diagnosed with cancer (most cancer insurance plans are 100,000 yuan).For ordinary families, this money is undoubtedly a send-off.

Maybe most people don't know a little bit about cancer insurance, don't worry, I summarized and analyzed the products worth buying for this type of insurance:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

3. Accident insurance

This insurance is to pay you for personal injury caused by accidental, sudden, external, and unintentional events. There are mainly accidental death (death), accidental disability, and accidental medical treatment.

It's not to scare people, we can look at the examples around us, how many middle-aged and elderly people are bedridden because of a fall, if they accidentally bump into and fall, it may be a lot of medical expenses. If you have accident insurance, you don't have to think about medical expenses, try to accept the best means, and it won't put too much pressure on your family.

Xueba said the official website of insurance

If you buy insurance for a 60-year-old, it is easy to have the above premium upside down!

It is difficult to buy baldness insurance for the elderly, even if I have been in the industry for many years and have seen 136 hot-selling insurances in the vast market, I can barely find a few insurances suitable for the elderly"Ten insurance points that are super suitable for the elderly to buy! 》

The reason why it is difficult to buy old age insurance is because the insurance company has imposed the following restrictions:

Almost all products will have age restrictions, such as not being able to buy after the age of 60.

Especially for health-related insurance, the claim rate will be very large in old age.

Critical illness insurance for each age groupThe age of 50 is an extremely critical node, and the incidence rate will increase significantly every year after that, and after the age of 55 is the boundary that many insurance companies do not cover.

StillThe age limit for accident insurance will be relaxed, there will be no health notice, and the age limit will be small, even if you are 80 years old.

The elderly have slow reactions and inconvenient legs and feet, which is a group with a high incidence of accidental injuries, such as slipping in the bathroom, square dancing sprains, etc., and these are covered by accidental medical treatment.

One thing that needs to be reminded is that when buying accident insurance for the elderly, you should pay attention to whether there are restrictions on specific places and specific means of transportation in the terms, and choose accident insurance according to the characteristics of the elderly's activities.

Accident insurance has low premiums and high insurance amounts, and it is also a must-have insurance for the elderly, and these accident insurances are quite suitable for the elderly group"In 2020, the most worthwhile accident insurance for the elderly is here".

The parents' bodies have gone through so many years of ups and downs, and some of the problems are normal, and even the health problems that are not a major problem in the eyes of the doctor are a big problem that the insurance company refuses to underwrite.

Generally, chronic diseases such as hypertension and diabetes are more difficult to buy critical illness insurance and medical insurance.

So,If you want to transfer health risks to the elderly, you need to consider cancer insuranceThe health requirements are low, and even the three highs can be successfully insured.

Cancer insurance has fewer restrictions on policyholders, but ** will be relatively high.

For the elderly who can't buy critical illness insurance, it can be regarded as half critical illness insurance.

When you buy an insurance product at a certain age, you will find that the insured amount is not high, but the payment is very high, and even the payment is higher than the insured amount "upside down".

Insurance itself is to pay big with a small amount, and it makes no sense if the premium is high or upside down.

For those who have entered the elderly, there are three major restrictions on buying insuranceOne is age, the second is health, and the third is price

1. Million medical insurance

It is advisable to prioritize the Million Dollar Medical Insurance for reimbursement of inpatient medical expenses. Whether it is outpatient, surgical or inpatient expenses, the part exceeding 10,000 yuan can be 100% reimbursed, and major diseases such as cancer are reimbursed with zero deductible.

After several years of screening and experience, the million medical insurance products that stand out are still worth equipping the elderly, which is the legendary top ten million medical insuranceUpdated every Monday! 【Over 45 years old】Top 10 million medical insurance points worth buying** points! 》

2. Cancer prevention insurance

Cancer insurance** is more preferential, the health notice is more relaxed, and even if there are three highs, diabetes, rheumatoid and other diseases unrelated to cancer, you can also be insured, which is more suitable for the elderly, and the specific reference can be stampedWhat is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

3. Accident insurance

The elderly are not good at their hands and feet, and they are prone to accidents, and once they are injured, they must spend a lot of medical expenses, so it is necessary to purchase accident insurance for the elderly.

When choosing accident insurance for the elderly, pay attention to whether there are restrictions on specific places, specific activities and specific means of transportation, and choose a suitable accident insurance product according to the activities of the elderly at home"[Accident Insurance] whether to buy, how to buy, what are the types, comprehensive analysis, comparative evaluation".

Finally, although it will be difficult for the elderly to buy insurance, there are still some suitable insurance options for them, and the most important thing is to choose a product based on the situation of their parents to see whether the protection is good or not, and whether it is suitable for parents.

Above. If you have any questions, remember to look for me duck

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceIf you are in the teenage stage (0-20 years old), choose critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? People who are less than 20 years old are in the period of physical and mental growth and development, and it is inevitable that there will be some minor illnesses and pains, so it is necessary to configure a medical insurance; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For friends aged 20-30, you can choose critical illness insurance, accident insurance, and medical insurance first

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, to face the pressure of life alone, the ability to defend against accidents and risks, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium is actually quite cheap, a month is only a few dozen yuan, you can consider it, in line with this age group of friends can see the previous answer of the senior sisterHow can people in their 20s buy cost-effective insurance?You can take a look at this article.

Growth stage (30-50 years old): You should choose critical illness insurance, life insurance, accident insurance, and medical insurance

A trick to teach you to buy a cost-effective commercial insurance for your 30s? At this time, buying insurance is more for your family than yourself. The probability of middle-aged people's illness is increasing rapidly, but it is the most important economic ** of the family, and they often can't fall, so critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

As for how to configure cost-effective insurance for yourself, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

The age of 65 is a feng shui period, after the age of 65, you can't buy millions of medical insurance, the choice is limited, choose cancer insurance and accident insurance. For the elderly aged 65 or below, if they are in good health, they will give priority to millions of medical insurance and accident insurance, combined with cancer insurance. If there are three highs, choose cancer insurance to prevent the risk of cancer.

What insurance is better for a 60-year-old parent?

How do parents over the age of 65 choose insurance?

After the age of 65, you can only buy accident insurance for the elderly. Other types of insurance are also super expensive.

65 years older.

It is advisable to prioritize insurance purchases.

1.Accident insurance (accidents are everywhere and not expensive, a few hundred dollars) 2Hospitalization medical reimbursement insurance, it is recommended to buy Zhong'an exclusive e-body, 65 years old only 1699 yuan, the highest reimbursement of 1 million, is more cost-effective.

3.Critical illness insurance and cancer prevention, because of the age, the general insurance company requires a physical examination, and the premium will be very expensive, not cost-effective.

If you want to know about medical insurance, you can ask me, and I can introduce it to you.

No matter what age you are, what your status, or what your wealth status is, you all need insurance protection. Although there are not many insurance products to choose from for the elderly, they must not be left without protection. The most important thing for the elderly to configure insurance is to suit the needs of the elderly themselves, so that the insurance they buy can give full play to its role.

Parents are from the countryside, 65 years old, what is the right thing to buy. I haven't worked for a long time, and I haven't touched Li You have time to think about his parents' affairs, and recently I feel that I still have to make some preparations for their retirement. Experts analyze that the most important difference in improving social medical insurance and social pension insurance is that the purchase of commercial insurance has high premiums, low protection, and requires physical examination, which is not suitable.

Sickness insurance is not to be considered, and accidental medical insurance can be considered. The present of our parents is our future, and it is recommended to start preparing for your future serious illness and retirement. To prepare for our future is to not burden our children with the future, because at least we are now in time for commercial insurance.

And we only have one child, and their future is more burdensome. It is commendable to buy insurance for your parents, but your father is older and cannot buy many types of insurance, so it is recommended that you participate in rural cooperative medical care and buy an accident card. In fact, for you, it is your father's insurance, it is better to solve your father's problems by buying insurance is also a good choice, insurance is not to buy if you want to buy, you must meet the health and age permission, while you are young curve to save the country is still too late.

Regarding the issue of the elderly buying insurance, compared with young people: the premium is more expensive under the same amount of insurance, and a physical examination is required.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"