Mom and Dad buy insurance, which kind of insurance is good? Which type of insurance is better?

There is no best insurance, only the most suitable, your mother's age is 43 years old, I don't know where your needs are, but you can first analyze the insurance ladder chart, and then you can buy the right product according to your own needs.

One. Comprehensive accident insurance: refers to death or disability, accidental outpatient or hospitalization, and hospitalization due to accidents. The annual premium is about 700 yuan, and it is consumption-oriented.

Two. Health insurance: Covers critical illness or death, the annual premium is about 5,000 yuan, and the insurance is paid for life for 20 years, with an insured amount of 100,000 yuan, and an increase in dividends, and the sum insured increases over time. 、

Three. Pension insurance: freely choose the payment method and the way to receive it, and start to receive a pension at the age of 60 or 65.

Four. Term life insurance: Low premiums and high protection, but only suitable for beneficiaries after death.

Five. Wealth management insurance: pay for 5 years, 10 years or 15 years, and receive a one-time principal and interest dividend for 10 years after maturity, and return it every year during the payment period.

Depending on your mother's age, there's probably only that much.

1.Rural cooperative medical care should be the first to go first, although it is less, but it is better than nothing, after all, we cannot predict the risks. It can only be prevented.

2,。It is recommended that you buy an insurance for critical illness and hospitalization, critical illness is a must for everyone, at least 100,000 insurance should be insured, and now the average rate of critical illness is 100,000. And now there are many diseases among women.

According to your own financial situation, if you like to pay for a long time, you can pay less every year, and your aunt and uncle are not young now, so you should consider critical illness protection.

3.Pension now there is an insurance in the countryside, only 500 a year in our Hebei, I gave my parents in, I think you can also give your family a copy, after all, this is a small money. Secondly, if you can still have a little extra money, you can buy some supplementary pension with commercial insurance, so that you can receive more in the future.

First buy rural cooperative medical care and the new rural cooperative system for the elderly, which is the basic guarantee. If the economic conditions are suitable, it is best to buy some commercial insurance to strengthen protection, after all, it is very expensive to see a doctor now. Retirement should also be prepared in advance.

Pension, accidental injury, accidental injury medical treatment, critical illness, and hospitalization subsidy are the most basic insurance contents

The first thing that all elderly people should buy is accident insurance. Old age accident insurance should pay more attention to accidental medical treatment and accidental hospitalization allowance.

When the elderly are old, bumps and bumps often occur, such as: accidentally scalding while cooking, slipping and breaking a bone in the bathroom, and accidentally falling while dancing in the square.

However, it is important to remember that the upper age limit for accident insurance is 85 years old.

Medical insurance is more strict about health information, if the age and physical condition are not met, you can consider cancer prevention medical insurance, its essence is to protect cancer million medical insurance, and support sick insurance, is a good product for the elderly to deal with disease risks.

Similar to medical insurance, critical illness insurance also depends on age and physical condition, and it is recommended to purchase consumer-based critical illness insurance without inverted discounts, and if you can't buy it, you can choose cancer critical illness insurance.

Life insurance is to protect the death, and the elderly basically do not have too many family liability risks, so they can not consider buying it for the elderly.

It is not recommended to buy endowment insurance, because as a kind of financial insurance, endowment insurance needs to be invested for a long time in order to play the role of compound interest, and buying it for the elderly will only squeeze out the time of parents' pension money.

How to buy insurance for the elderly of all ages can be found on the link page.