Can I not buy critical illness insurance if I am over 50 years old?

First of all, it is necessary to make it clear that the pricing principle of critical illness insurance is that the older you are, the more expensive it is. It will even be upside down, and the money paid is more than the money lost, which is very not cost-effective. Therefore, if you are over 50 years old, it is sometimes not recommended that you buy critical illness insurance.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

For example, a 30-year-old can buy up to 1 million insured, while a 50-year-old can only buy up to 100,000 insured. And when you buy it when you reach the age of 50, the requirements for you are relatively high, and even if you buy it in the future, the insurance company may refuse to pay when you make a claim, and this situation will also happen.

Older people are also prone to accidents due to their inflexible hands and feet, inconvenient movement. There are many cases of elderly people breaking bones due to accidental falls every year, so accident insurance is also indispensable. The premiums of accident insurance are relatively cheap, the protection is relatively high, and the insurance premiums are similar to those of young people, so it is very cost-effective to insure.

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Critical illness insurance can be purchased for people over the age of 50, and some products can support people up to the age of 55 or 60. Some of you may not know what diseases are covered by critical illness insurance, if you have the same question, then you might as well take a look at this article: What diseases are covered by critical illness insurance?

If you don't know these, don't buy them randomly!

However, if you are over 50 years old, the premium for purchasing critical illness insurance is relatively expensive, and it is easy to invert the premium, which means that the premium paid is greater than the insured amount, which is not very cost-effective.

Moreover, if you are over 50 years old to buy critical illness insurance, there will be certain difficulties, because the health notice of critical illness insurance is relatively strict, and people over 50 years old will have some health abnormalities, or have high blood pressure, diabetes and other diseases, which will affect the purchase of critical illness insurance. However, there are also some critical illness insurance policies on the market with relaxed health notices, such as these: the latest!

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

If people over the age of 50 can't buy critical illness insurance, then you can try to buy cancer insurance, which is a "reduced version" of critical illness insurance, which only protects cancer, and the premium of cancer prevention insurance is cheaper than that of major illness insurance, and the health notice will be relatively relaxed.

Of course! But after the age of 45, it will become more and more expensive to buy critical illness insurance. When your child is taking out critical illness insurance for their parents, don't buy a full range of critical illness insurance because it's not cost-effective.

You can purchase some critical illness insurance for cancer, and the ratio of the premium sum insured is generally 1:2 or 1:, and it is recommended to add the policyholder to exempt from liability.

For example, we have customized the following protection plan for 56-year-old Mr. Wang: Since people over 50 years old are a vulnerable group, they are more likely to suffer from accidents such as illness and falls. Therefore, priority is given to cancer prevention medical insurance and accident insurance.

The annual premium is not expensive, as long as 1235 yuan a year, it can protect the diseases and accidents of the elderly, which is cost-effective and comprehensive. Insurance planning needs to comprehensively consider each person's situation and individual needs, pay attention to me, and provide you with a customized personalized protection plan for free.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them

If you are over 50 years old, you can purchase critical illness insurance products with an upper age limit of 55 or 60 years old, but the choice will be relatively small. However, it should be noted that the health notice of critical illness insurance is relatively strict, and if the 50-year-old person has some minor physical problems, he may not be able to apply for insurance normally. In addition, when a 50-year-old buys critical illness insurance, the premium will be relatively expensive, and the premium may be inverted.

Not necessarily, the regulations of each insurance company are different, and generally you can buy critical illness insurance before the age of 55, but you will definitely have a physical examination.

on the marketMost critical illness insurance policies are no longer available at the age of 50Although a small percentage can be covered up to age 60, the premium is expensive and very uneconomical. So what are the insurances suitable for middle-aged and elderly people? Here is a list of insurance products suitable for middle-aged and elderly people that I have carefully compiled before:

Ten insurance points that are super suitable for the elderly to buy!

1. Social security

Social security is the most cost-effective, and it is also for middle-aged and elderly peopleThe friendliest。Social security is the basic guarantee given by the state, regardless of age and physical health. Therefore, middle-aged and elderly people should give priority to social security when buying insurance.

2. Cancer prevention insurance

Middle-aged and elderly people are getting older, and their bodies are more or less a little sick. However, critical illness insurance is limited by age and health notice, and there are not many critical illness insurance products that can be selected. Therefore, it is recommended to purchase cancer insurance insteadSpecifically for cancer protection**Significantly cheaper than major illness insuranceHealth advice is also more relaxedMany of them can be bought in their 70s, and they are perfect for parents.

If you still don't know about cancer insurance, you can take a look at this article:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

3. Accident insurance

Middle-aged and elderly people are elderly, their legs and feet are inconvenient, osteoporosis, and they are prone to falls and fractures. Accident insurance covers bodily injury caused by these accidents, including accidental dismemberment, accidental death and accidental medical treatment.

Accidental medical treatmentIt can reimburse the medical expenses caused by accidents, and the probability of using it is relatively high for middle-aged and elderly people.

Therefore, it is recommended to configure a good accident insurance for parents, with good medical liability protection, and it is best to choose can100% reimbursement of medical expensesOr canReimbursement of expenses outside of social securityproducts.

I have made a few points about the popular accident insurance on the market before, and I can compare and choose if necessary:Ultra-complete! Comparison table of popular domestic accident insurance

People over the age of 50 can buy critical illness insurance, but they can do a good job of social security first, and it is better to apply for critical illness insurance on this basis. In fact, the most suitable age to buy critical illness insurance should be 30 or 40 years old, and most insurance companies stipulate that more than 40 years old must have a physical examination.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it! 》

Hello this friend, almost all critical illness insurance products on the market do not accept middle-aged and elderly people over 55 years old, so you should buy it as soon as possible at the age of 50.

The old-age insurance market is not abundant, and premiums are still expensive. So what products can the elderly choose from when they are insured?

1. Exceeding the maximum insurance age, the maximum insurance age of many products is 55 years old, and you can't buy it if you are older.

2. Diabetes, hypertension, etc., are common diseases in the elderly, but they are also common problems in health insurance.

3. The premium** is too high, and the premium is very high, and even the total premium is not much different from the insured amount, such as the leverage of buying critical illness insurance at the age of 50 is only about 1:2.

For older people, there is no need to buy critical illness insurance, there are other types of insurance to choose from.

1. Million medical insurance.

As people get older, their physical functions will decline, which will directly lead to the high incidence of serious illness and chronic diseases. Therefore, it will also prompt this elderly group to buy medical insurance, which will be relatively expensive.

If the parents are in good health, over 60 years old and under 65 years old, they can consider ZhongAn Exclusive e-Birth Parent Edition and Allianz Genuine Love Medical Insurance.

2. Accident insurance.

Generally, one-year accident insurance is very cost-effective, in addition to protecting death liability, it also includes disability and accidental medical liability, which are very practical protection.

3. Critical illness insurance.

Critical illness insurance will be more strict about health information, if there are some parents with physical abnormalities, it may not be able to buy, and the older you are, the amount of critical illness insurance will also be limited. On top of that, premiums** are relatively high.

If you have a good budget, you can consider Super Mario 2020, Darwin 2, Health Insurance and other products.

Cancer is the most common critical illness, and compared with medical insurance and critical illness insurance, the insurable age range is large, and the health notice of some products will be relatively relaxed.

Cancer insurance is divided into reimbursement type and benefit type, and the disadvantage is that it only covers cancer, and the protection function is a bit simple. So what is there to introduce cancer insurance: "Parents' cancer insurance is the most attentive to buying, don't forget to pay attention to these points".

The elderly insurance should be cautious, the market of elderly insurance is not so rich, after all, the risk of injury and illness of the elderly is relatively large, and the probability of insurance is very high, so the insurance company does not dare to easily launch cost-effective elderly insurance, after all, it is easy to compensate the company.

Yes, some companies can be up to 65 years old.

However, it is important to pay attention to the physical condition of the insured person and whether they mind spending more than the premium budget, as the premium will gradually increase as you get older.

If you have not previously configured coverage and are in good health, then there is no problem at all to configure critical illness insurance. If there are many physical problems, then cancer insurance for malignant tumors is also a good choice. In addition, it is inevitable that there will be small bumps when you are older, and it is also recommended to configure accident insurance for the elderly.

Finally, it is also a good idea to consider the problem from an economic point of view, and prepare a sum of money in advance through the means of savings insurance to face the risk of serious illness that may occur in the future. In fact, the essence of savings insurance and health insurance is to protect the family's economic life from being affected, if health insurance cannot be configured, then savings insurance is also a solution.

From the perspective of necessity, people over the age of 50 still need critical illness protection, but critical illness insurance may not be the best choice. If you are the breadwinner of your family, and you are in good health and have a sufficient budget, it is recommended to allocate a critical illness insurance to prevent the financial risks caused by critical illness.

After all, if you are the breadwinner of the family, once you fall due to a serious illness, not only will the family need to spend a lot of medical expenses, but the family income** will plummet, which may cause the family to fall back into poverty due to illness. The claims funds of critical illness insurance can not only alleviate medical pressure, but also make up for the loss of income and help follow-up.

Updated every Monday! 【Over 45 years old】Top 10 popular critical illness insurance points worth buying!

Over 50 years old, if there are some minor problems in the body (such as thyroid nodules, breast nodules, etc.), then it may be impossible to apply for critical illness insurance, because the health notice of critical illness insurance is relatively strict, and the health status of the insured will be inquired about, but there is still a probability of successful insurance

What are the tips for health notification when applying for insurance?

For non-family breadwinners over the age of 50, if the budget is sufficient, it is still necessary to buy critical illness insurance without inverted premiums.

Because although the impact of non-family economic pillars on the family economy is not so great, the medical expenses and expenses of critical illness will not be less.

However, the premiums of critical illness insurance during this period are relatively expensive, and the elderly are also prone to some underlying diseases that make them unable to apply for critical illness insurance.

Therefore, at this time, you can also consider configuring cancer insurance.

Cancer insurance, as the name suggests, is insurance that protects cancer, and for the elderly, the risk of cancer is extremely high, so it can protect cancer, and it is also a great protection for old age. In addition, health advice for cancer insurance is often lenient and premiums are cheaper. If you want to learn more about cancer insurance, you may want to check out the following article:

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

Of course, the older you get, the higher the chance of getting sick!

It's good to be able to buy it over 50 years old.

Many people are worried about how to buy insurance when they get older, because the age limit and physical condition limit of insurance are not very friendly to the elderly, and the elderly will have fewer products to choose from due to these conditions.

The following types of insurance are generally more suitable for the elderly to buy:

1.Medical insurance

The elderly still need medical insurance protection, and as people get older, there are more physical problems. However, medical insurance is not available to all the elderly, if the elderly are still in good health, and the age is not yet over 65 years old, you can consider buying some medical insurance with better protection. If the elderly in the family are over 65 years old, there are not many medical insurance products that can be bought, and the protection content is also small, which is not worth it.

So what are the better medical insurance products? Let's take a look:"Top 10 Medical Insurance Points Worth Buying".

2.Accident insurance

In many cases, the elderly are injured in wrestling because they are relatively weak, and the elderly may also collide with passing vehicles because they have no time to react to the traffic lights on the side of the road, resulting in traffic accidents. So what kind of accident insurance is more suitable for the elderly? You may wish to refer to this article:

"In 2021, the most worthwhile accident insurance for the elderly is here".

3.Cancer insurance

In fact, it is difficult for the elderly to buy critical illness insurance, and even if they can buy it, it will be very expensive and cost-effective. At this time, we can choose a cancer insurance for the elderly, because the age limit and physical condition of the elderly are not high. For the elderly, the risk of cancer is relatively high, and the cost of cancer is not a small amount, if the elderly really suffer from cancer in the end, the insurance will give you a sum of money to allow you to use it for treatment or other expenses to relieve financial pressure.

In order for all filial sons and daughters to buy good insurance for the elderly as soon as possible, here is to share with you the articles I have compiled to buy the elderly:"What are the [old people's insurance] and what insurance should I buy for my parents".

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.