Why is it better to plan insurance for your parents as early as possible?

In fact, the premium has a lot to do with a person's age, especially some long-term insurance such as critical illness insurance and life insurance.

1. As you get older, your premiums will become more and more expensive.

This is actually relatively easy to understand, as the age of the parents increases, the premium will be higher and higher, even if you want to configure insurance for your parents, it is very likely that your financial ability cannot afford the corresponding premium. Many parents only remember to configure certain guarantees for them after they reach a certain age, but often when they think about it, it is too late. Therefore, it is necessary to plan for the protection of your parents as soon as possible.

2. While the parents are still healthy.

The insurance company has very strict requirements for the physical condition of the insured when conducting the review, and many diseases that we think are not a big problem cannot be insured in the eyes of the insurance company. Therefore, it is necessary to prepare for the protection planning and search for parents when they are healthy, otherwise they will not be able to buy insurance when they want to.

Third, the younger you are, the more products you can choose.

Because of the influence of premiums and physical health, there are very few products that older people can choose, and only some products can meet the insurance requirements of the elderly. Insurance products have their own operating rules, such as age restrictions, even if you are rich and healthy, but you can't buy insurance after the age.

No matter who it is, insurance must be the sooner you plan the better, in addition to the cheaper the premium, more is the longer the protection time, and the earlier you can do a good job in risk management planning, only if you do a good job in risk management, then many things in life will be much calmer.

In fact, anyone should buy insurance as early as possible, because buying insurance earlier is not only a low premium, but also a little earlier protection.

At the age of parents, it is actually easier to get sick, if you are sick and hospitalized, it is almost impossible to buy insurance, like now this society is to see a doctor and buy a house to spend more money, but if you don't have money to buy a house, you can wait, if you don't have money to see a doctor, can you wait? Therefore, the sooner you buy insurance for your parents, the better it is to plan.

Many types of insurance have age restrictions, for example, after a certain age, the insurance company will not underwrite, or even if you are not over the age, you may need a physical examination if you are too old, in case there is anything unqualified in the body, it is normal to be rejected by the insurance company, and some may be required to increase the premium even if they do not refuse insurance.

Insurance policies will definitely become more and more stringent in the future, after all, insurance companies are not charities, and they still need to make a profit. For example, if you buy insurance now, you must shoot**, and you may record the whole process in the future**, which is also a very troublesome thing, so it is best to plan as soon as possible to buy insurance, and also make a reasonable plan according to your own economic level, so as not to let the premium affect your normal life.

We grow up day by day, but our parents are getting older day by day, parents work hard for us every day to do more things, it is inevitable that there will be times when the body feels uncomfortable, when the problem is not serious, take medicine to solve the problem, when the problem is serious, I am afraid that I will get a serious illness, and having an insurance can also reduce some of the pressure on money.

We can't predict our future, and we never know what will happen in the next second, so we must have such a preparation, buy an insurance for the safety of our parents, and don't be too afraid of what happens, there will be a solution to the problem. <>

I have a relative who had a serious illness before and spent a lot of money, but fortunately, his children bought him an insurance policy in advance and used it for the pie. Although they borrowed money before the surgery, when the surgery was completed, the reimbursement was enough to pay off the debt.

Relatively speaking, there is an insurance industry that is more assured and at least guaranteed, so as children, we should also think more about our parents and buy insurance for our parents to make their parents' lives more secure.

Xueba said insurance, only recommend the most suitable child insurance! This year's comparison table of 136 best-selling children's critical illness insurance has been updated, click on it to see the details.

What insurance should I buy for my child?I don't know how many parents who want to give their babies comprehensive protection are stumped by this question, today let's take a look at how to buy insurance for their children! Keep these three points in mind:

First, the country's medical insurance must be handled!

Newborn medical insurance can be handled immediately after the child is registered, whether it is a major illness or a minor illness, the basic medical insurance is particularly important, so this must be handled for the child.

Second, after buying medical insurance, you can fully configure critical illness insurance + medical insurance + accident insurance in commercial insurance.

Let's start with critical illness insurance, which provides coverage for as long as possible. In addition, critical illness insurance can directly pay a large amount of cash after getting sick, which can not only solve the problem of medical expenses, but also solve many additional expenses caused by illness, such as children who miss their studies due to illness, and even some subsequent life losses, all need to use a lot of cash. Buying a pure protection critical illness insurance policy can be used to solve these problems.

As for medical insurance, it can be used to reimburse the medical expenses of children's usual medical treatment, for example, a 0 deductible hospitalization medical insurance, as long as one or two hundred yuan per year, you can buy an insurance amount of 10,000 yuan, which is very practical.

Finally, let's talk about accident insurance, it is very cheap for children to buy accident insurance, 200,000 yuan per year, only sixty or seventy yuan, which can cover all the accidental death, disability and medical expenses caused by accidents for children, which is cheap and useful.

Third, what insurance should not be bought for children?

Don't assign life insurance to your child, and try not to attach both liabilities to critical illness insurance. The specific reasons I know are in this answerWhy is it so hard to buy child insurance? You'll know when you see it!

has been introduced in detail, because there is already a detailed analysis in the manuscript, so I won't spend too much space here.

According to the above insurance ideas, if you are configuring regular protection for your child, you can configure it for 1,000 yuan per year, and if you buy lifelong protection, it is only two or three thousand per year, which is very practical.

That's all for me"As a parent, how to do a good job of insurance planning for your children"

To purchase children's insurance, you need:

1. A high-reimbursement children's medical insurance is necessary to solve those known and unknown health risks;

2. A children's critical illness insurance is also necessary, to pursue more diverse medical conditions, and at the same time make up for economic losses, and at the same time pay attention to the best with total disability liability, as for how much to buy, please tailor according to your own economic situation;

3. Accident insurance is also very necessary, to combat the impact of disability on the child's life, use this money as a buffer, as for how much to buy, please tailor according to your own situation;

4. You need to save a sum of money for your child, this money is not only insurance can help you save, how to save it, please judge for yourself.

For middle-aged and elderly people, there are not many commercial insurance options available, and most insurance products even only accept people under the age of 55.

If the economic conditions allow, you should buy critical illness insurance, which is certainly more expensive than that of young people, but considering the high risk of morbidity, the probability of using it is also high. So how should we deal with it?

It is important to pay attention to the preparation of medical insurance for the elderly.

1) The elderly can join the medical insurance in the place where their household registration is located, and they can reimburse part of the expenses in case of illness and hospitalization.

2) Lifetime critical illness insurance for the elderly. This kind of critical illness insurance has a definite sum insured since the first premium is paid, and if you are seriously ill, the insurance company will pay the sum insured for treatment at one time, and if you are healthy and old, the sum insured can also be left to your family at the end of life.

3) You can choose the varieties whose insurance amount can be increased after the age of 65, one is to avoid the risk of inflation, and the other is that the health status of people after the age of 65 is declining, and they need more protection.

4) If you are worried about hospitalization, you can attach hospitalization subsidy insurance.

If the elderly have money and are ready to buy it for themselves, then the choice is extensive:

1) Pension 50 began to do pension, it is also OK, single payment, 5 years, 10 years, 15 years, you can, from the age of 65 to receive money, too many commercial pension products, the key to look at the company, look at the product, focus on a few points, product form, risk and return, flexibility, especially to distinguish the minimum interest rate, expected interest rate, universal interest rate, rate of return. (2) Asset inheritance is mainly in the form of whole life insurance, and it is certain, safe, and undisputed to leave a sum of money for children, and you can find insurance professionals and lawyers to assist, not to mention. (3) Pension and medical care, such as high-end medical care, money may not be able to enjoy the best medical resources, but the insurance company's high-end medical products can build a bridge, high-end medical care, service is more important than security.

The function of insurance, life - prepared, old - support, sick - dependent, death - stay, disability - dependent, the meaning of insurance, life is difficult to send charcoal in the snow, life is happy when the icing on the cake.

The biggest risk of the family is the fall of the family pillar, so the first principle of insurance is that the family pillar is given priority, first to buy insurance for the main economic **, followed by the spouse, and then the children and the elderly.

Many families will see their children as the first priority for insurance, but in fact, the order is reversed, not the first choice. There is an important principle for men to buy insurance, that is, the breadwinner of the family needs insurance the most, and if you want to support a family, you must have a healthy body and a stable income, which is the embodiment of men's responsibilities and the embodiment of men's dignity. Women also have risks, and they also need to transfer and diversify risks, women should first see if they have risk protection, whether they already have basic accident insurance, medical insurance, critical illness insurance and other consumer insurance products.

To insure your child, you should be restrained, first of all, you should avoid the most likely risks, such as accidents and diseases, because the child's own immunity is low, the physical development is not sound, the risk resistance is weak, and the probability of accidents and diseases is high; The second is to consider education insurance.

To insure your parents, the premium is relatively high at this time, and the medical insurance will even be increased or rejected because you are too old, the cost is too high and the protection is low, so it is recommended not to insure your parents.

Total Sum Insured = Basic Expenses of the Household in the Next 10 Years, Total Liabilities, Cash and Cash-out Assets. Only by having a clear understanding of your own situation, including income, needs, and health conditions, can you find a comprehensive protection plan that is tailored to your needs.

Hello! Parents have worked hard all their lives, and as children, they should do their best to help them live a happy old age. For middle-aged and older people, the main risks are accidents and illnesses, so you can focus on these two areas when choosing insurance for your parents.

How to choose an insurance plan that is right for your parents.

1.Parents are older, their legs and feet are not as dexterous as before, and the probability of various accidental fractures is also relatively high, so it is recommended that you can give priority to insurance with accidental fracture protection when you apply for insurance;

2.If you enroll in health insurance in the place where your parents are registered, you will be able to reimburse part of the cost in case you get sick and hospitalized.

3.Seniors are enrolled in commercial medical insurance that can be renewed. As the age of the elderly increases, the older they are, the more likely it is that the insurance company will refuse to insure, so when purchasing medical insurance for the elderly, it is necessary to choose a commercial medical insurance that can continue to cover.

4.Critical illness protection is indispensable for hospitalization medical coverage.

5.If possible, pay attention to the hospitalization subsidy. Hospitalization allowance provides a stable benefit for the duration of hospitalization.

To choose insurance for your parents to show filial piety, it is recommended that you make a reasonable choice based on the specific protection needs of your parents. It is the largest insurance e-commerce platform in the country, and you are welcome to compare and buy.