My parents are 50 years old and have already paid rural medical insurance, and I want to buy them a

First of all, on the premise of paying rural medical insurance, if you want to buy commercial insurance for your 50-year-old parents, it is recommended to consider critical illness insurance, million medical insurance and accident insurance. In this regard, the following senior sister will tell you about the relevant content of buying commercial insurance for parents.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

1.Critical illness insurance.

Critical illness insurance is one of the types of insurance that everyone just needs. Especially after people reach middle and old age, the health of the body slowly deteriorates with the continuous growth of age, resulting in some diseases; For example, people in their 50s have a higher probability of being diagnosed with a major disease than those in their 20s.

In this way, in order to provide more adequate protection for parents who are 50 years old, critical illness insurance is one of the types of insurance that are worth considering.

Regarding buying critical illness insurance for 50-year-old parents, the following article is very worth a look:

Recommended for you at the age of 50, the top ten critical illness insurance points worth buying!

2.Million Medical Insurance.

The same is to consider critical illness, if the 50-year-old parents unfortunately suffer from a serious illness (such as malignant tumors, etc.), then the medical expenses that you want are not a small amount. According to relevant data, the medical expenses of **cancer are at least hundreds of thousands of yuan, and the cancer may occur, metastasize or continue.

In this way, the medical expenses for a critical illness such as cancer are very high.

The main function of the million medical insurance is to reimburse the reasonable series of expenses incurred by the insured in hospital** in proportion, even the ** expenses of critical illnesses such as cancer are basically covered. Therefore, the Million Medical Insurance is one of the most worthwhile insurance plans for parents over the age of 50.

3.Accident insurance.

The reason why it is necessary to buy accident insurance for parents is mainly due to the fact that young people may not be able to take care of their parents when they are busy with work, and their parents are old and prone to accidents such as bumps; Therefore, accident insurance can also be considered for 50-year-old parents.

Based on the current situation of the subject, it is recommended that you consider buying commercial insurance such as cancer insurance and accident insurance for your parents. The main reason is that the parents are 50 years old, so there will be some minor problems in the physical condition, and it will be difficult to successfully apply for critical illness insurance and million medical insurance.

How should I buy insurance for my parents? Friends who have the same questions can poke this article: what is the insurance for the elderly, what insurance is good for parents, you need to know these things.

Hello, your parents buy commercial pension insurance at this age.

and commercial critical illness insurance.

It is no longer suitable, and it is recommended to buy accident insurance for them to protect against unexpected risks. Here are some of the best accident insurance plans for the elderly.

products for your reference:

Generally speaking, the insurance of 50-year-old parents in rural areas should be based on the purchase of social insurance, together with the purchase of relevant commercial insurance, in order to provide parents with more comprehensive protection.

We buy insurance on the market, mainly critical illness insurance, accident insurance, million medical insurance and life insurance, which are suitable for 50-year-olds according to these four types of insurance. If you want to know how to configure, you can see here: "50-year-old middle-aged and elderly people should configure insurance, they should do this!"

3.Life. Life insurance is a type of insurance that covers death or total disability, and if the insured person dies or becomes totally disabled, you can get a benefit if you meet the conditions.

Life insurance is more suitable for the breadwinner of the family. A relatively high sum of insurance can be paid in the event of a misfortune for the breadwinner of the family, so that the family's life can be maintained.

As for whether it is suitable to buy life insurance at the age of 50, it depends on the budget, because the older the age, the more expensive the premium, and the children of the 50-year-old group are basically of working age, and the responsibility will be greater and greater, so you can consider configuring it for them.

4.Critical illness insurance.

Dad thinks that 50-year-old people are not very suitable to buy critical illness insurance, after all, people may have some physical problems when they reach the age of 50 and cannot be informed by health, and the premium is relatively expensive.

Therefore, it is not very suitable to apply for critical illness insurance at the age of 50, and it is not cost-effective.

If you have any questions about buying insurance for your parents, you can click on the "Consult a professional planner to help you buy insurance without stepping on the pit".

In rural areas, the 50-year-old gives priority to rural social security, which is the most basic. If you want to buy commercial insurance, you can choose to buy accident insurance and million medical insurance.

Insurance itself is more complicated, and it is easy for people who don't understand it to buy the wrong one. So what pitfalls should you avoid when buying insurance? Hear what insurance experts have to say for decadesSo many insurance products?

Which one should I buy? Get out of these pits! 》

1. Comprehensive accident insurance

For friends of this age, the possibility of accidents such as fractures is relatively high, and it is still necessary to buy an accident insurance.

Comprehensive accident insurance has no requirements for physical health, ** is not expensive, 500,000 insurance amount, only about 200 yuan a year, whether it is a life accident, or a traffic accident, it can be reimbursed, if the accident leads to physical disability or death, but also directly pay a sum of money.

2. Million medical insurance

50-year-old parents, if they are very healthy, can give priority to buying a million medical insurance for their parents, which can reimburse the medical expenses incurred in hospitalization, especially hospitalization for serious illnesses, which can be reimbursed up to millions.

Serious diseases such as cancer, stroke, acute myocardial infarction, etc., many of which are "longevity diseases", and as people get older, the likelihood of getting these diseases increases rapidly, so it is very necessary to buy a million medical insurance for parents.

If your physical condition is not very good and you can't buy a million medical insurance, you can consider configuring a cancer prevention medical insurance.

Cancer medical insurance can be understood as a simplified version of the million medical insurance, which only covers cancer, and the payment method is the same as that of the million medical insurance, which is to see a doctor first and then reimburse.

3. Don't buy critical illness insurance

It's too late to buy critical illness insurance at this time.

On the one hand, it is too expensive for the elderly to buy critical illness, the protection leverage is very low, and even the premium and sum insured are inverted, which is not cost-effective;

On the other hand, the elderly have more or less minor physical problems, and it is not easy to buy critical illness insurance.

Therefore, everyone must buy critical illness insurance as soon as possible, and don't wait until it is expensive to think about buying critical illness insurance.

50-year-old parents buy insurance to consider more problems, because parents are getting older and older, there will always be major illnesses and minor illnesses, in order to transfer this risk, many children consider buying insurance for their parents, so how to choose insurance?

If you don't know how to choose insurance for your parents, you can take a look at this:How to choose insurance for parents and what issues should be paid attention to? 》

1. How to choose insurance for parents?

Parents are old and their physical functions begin to decline, and they are more likely to fall due to external factors, and the recovery time after falling is not as fast as that of young people.

2. What issues should be paid attention to when configuring insurance for parents?

1. Generally, there is no need to buy life insurance for parents.

Parents generally do not bear family responsibilities when they are old, and there is no need to buy life insurance at this time, one is that life insurance products that can be selected by people over 55 years old are very limited, and buying life insurance for parents will increase the financial burden of the family.

2. When buying insurance, pay attention to the inversion of premiums.

Because the parents are older, they often need to pay higher premiums to get a high sum insured, and sometimes even the total premium will be close to the sum insured, in this case, there is no need to buy insurance, because there is an inversion, which is of little significance for the transfer of economic losses.

Daddy summary: When choosing insurance for parents, you must pay attention to choosing carefully, because you must take into account the long-term protection, and when you are not so old, there are more choices, and the protection you can choose is better.

Do you want to buy medical insurance or pension insurance? If you buy a little money, you can buy some rural cooperative medical care, and then add some commercial medical insurance, which is about 2,000 yuan for those in their 50s, and there is a guarantee amount of 2 million yuan every year, and self-financed drugs and imported drugs are reimbursed. If it's to buy pension insurance, I'm not professional.

Both parents are in their 50s, and they want to buy commercial medical insurance for them, what kind of good should they buy?

The first thing I recommend is medical insurance + accident insurance + cancer insurance + critical illness insurance. Why do you recommend medical insurance in the first place?

Once an accident or illness occurs, go to the hospital for **, it is nothing more than two modes, outpatient or hospitalization, minor illness and small disaster, small accident, outpatient can be, the cost is not much, even if there is no insurance, you can also bear the medical expenses. But many people are worried about serious illness medical treatment, which is why the million-dollar medical insurance is recommended first, because the insurance amount is large enough. Another reason is that when parents reach this age, if they buy critical illness insurance, no matter which company they are, they will not encounter particularly cost-effective ones.

In short, in a word, it costs money! Moreover, if you want to make a claim, you must meet certain conditions. Critical illness, because of the cost of money, the damage to the human body is large, the recovery time is long, the main function is to replace the family to provide economic income due to the loss of income caused by illness, although the parents are also important people in life, but because they can no longer bring economic income to the family, is not the object of priority.

If the family's economic conditions are relatively good, critical illness can also be configured.

The people who can earn money in the family are assets, and the assets are the inflow of economic benefits to the family in the future, and the elderly and children in the family can not contribute too much to the family, but their risks will also lead to the outflow of family interests, and their protection is more to be protected by consumption-based insurance.

Therefore, if the physical condition is good, you can buy millions of medical insurance, there are not so many complicated procedures, and you will underwrite it immediately, if the physical condition is not so good, and you have a history of hospitalization, you should consider offline medical insurance, provide medical records for the insurance company to underwrite, the underwriting of general medical insurance is relatively strict, if you can't buy medical insurance, then consider cancer insurance.

Accident insurance is a must-have, and the amount of insurance should be sufficient, recently a customer, bought a family card, a year to pay 365, 5 people share 36000 of the amount of insurance, a person 7200, as a result of the customer's father was smashed, hospitalization cost more than 20000, the accident card fixed amount reimbursement of 7200 yuan, the remaining part, you can apply for the local Committee on Aging to the elderly in the countryside over 60 years old insured silver age health accident insurance claim. Although the insurance amount is not high, 2,000 yuan, no matter how small it is, it is meat.

If the home is a house, the parents are the door, the elderly and children are the windows, the risk of the couple will not only affect the income, but also lead to the family's financial expenditure, although the elderly and children can not create income, but their risk will also lead to the family's financial expenditure, so everyone should be equipped with insurance, only social security people, are running naked.

I think it would be better to buy critical illness insurance from a regular insurance company, because at the age of 50, their physical condition will deteriorate, and buying critical illness insurance can reduce the medical burden.

If you want to buy commercial medical insurance for your parents, you can go to the local insurance company to inquire in this regard, Ping An PICC has a very complete range of insurance in this regard, and you can also make some inquiries in this regard in advance, and you can also buy the right one for your parents when you buy insurance in the future.

When we choose commercial insurance for him, we should pay attention to whether there is a lot of protection for some contents, whether there are some elderly diseases, and choose the right one for you.

My parents are over 50 years old, but they only pay for medical insurance for urban and rural residents. Do you still need to buy commercial insurance? If you need to buy commercial insurance, which commercial insurance is more suitable to choose?

After the age group of 50 years old, it is relatively old. In terms of commercial insurance, in fact, the first thing we should consider is pension insurance. Because if your parents are not yet covered by the pension fund, then they should participate in an pension fund.

After the age of 50, in other words, if your parents are now, it is relatively late to participate in the urban workers' pension insurance. That is not suitable, because there is a characteristic of employee pension insurance, before reaching the retirement age regulations, if there is no 15-year payment standard. In other words, if your parents pay employee pension insurance at this age, they will definitely encounter the problem of delayed retirement in the future.

Therefore, it is not very suitable to participate in the pension insurance for urban employees.

In addition to the pension insurance for urban workers, there is also an endowment insurance product, that is, our urban and rural residents' endowment insurance can be insured. At present, the pension insurance for urban and rural residents is basically in every region. Before the age of 60, you can make a one-time supplementary contribution for 15 years, and then go directly to retire and enjoy the treatment of receiving a monthly pension.

For your parents' age, it is more appropriate to participate in an urban and rural residents' pension insurance, because 60 years old must be able to enjoy the treatment of receiving a monthly pension.

Of course, in the process of participating in the pension insurance for urban and rural residents, it is also divided into different payment levels. It ranges from 200 yuan per year to several thousand yuan per year. In that way, in the process of selecting the payment level, you can choose the payment specification that is suitable for you in combination with your own economic strength.

But what I need to tell you here is that if parents do not have pension insurance for each other, they should pay one pension insurance for urban and rural residents to each other, so that they can get two fixed incomes. Choose the most suitable contribution level according to your financial ability, of course, there is no need to worry, because the contribution level can change every year.

As long as we give our parents, we have set up pension insurance contributions for urban and rural residents. In that case, you will be able to get a pension in the future, of course, the level of this pension treatment lies in the final decision of your contribution level. Because the higher your contribution level, for example, choose a level of 5,000 yuan or even higher per year.

Then we can allow ourselves to obtain a relatively high retirement pension treatment. But if your contribution level is relatively low, then your retirement pension will also be relatively low, so this is a proportional correlation, we try to pay in the process, choose the high is not low, if you have economic strength, then choose a higher standard for yourself is more beneficial.