Is it necessary to buy a health insurance for my 46 year old mother?

Yes, you are a very filial person, you can add me, I have bought a lot of health insurance for your mother's age, I can introduce it to you in detail.

For 46-year-old middle-aged and elderly women, health risks are undoubtedly the most noteworthy risks, in order to further improve the health protection of your 46-year-old mother, it is recommended that you apply for a suitable health insurance for her in advance.

Is it necessary for a 46-year-old woman to buy health insurance?

Not only necessary but also necessary, because as the saying goes, a healthy woman completes a family, so it is recommended that you take out health insurance for your mother in time, and you need to pay attention to the following points before applying for insurance:

1. Safeguard Responsibilities and Exclusions. Different coverage responsibilities and definitions determine their rates. Before purchasing health medical insurance, you must carefully read the terms of the insurance product, especially pay attention to the provisions of the exclusions, deductibles, and exemption periods, understand your rights and obligations, and then make rational purchases based on your own health status and economic status.

2. The length of the waiting period. Many health insurance products have a "waiting period" that will not be paid if the insured becomes ill during the waiting period.

3. Guaranteed renewal clause. That is, after the expiration of the previous insurance period, if the policyholder submits an application for renewal, the insurance company must continue to underwrite the policy in accordance with the original terms, and the rate cannot be adjusted according to the individual's risk status.

4. Comply with the terms of truthful notification. When purchasing any insurance product, you should truthfully fill in your medical condition and past medical history and other matters that need to be informed.

To buy health insurance for your 46-year-old mother, the choice of formal insurance platform is very important, and the health insurance provided by Huize Online is not only varied, but also has affordable premiums, which is the best channel for you to choose. The following products are recommended for you:

Taikang e-Shun Female Illness Insurance.

Genuine Care Hospitalization Allowance Medical Insurance.

You are a very filial child, and the older your mother gets, the more she needs protection! If you are interested, you can contact me!

Of course, it is necessary, the body is prone to problems when you are older, so you can do it as soon as possible while you can do it now, and you should do your filial piety as soon as possible!

40 years old 60 years old is a high-risk period for women, you can do critical illness protection, plus a little hospitalization medical reimbursement and hospitalization allowance subsidy, Ping An Zhiyue Life + medical package, or Ping An Xinsheng + medical package, customers in Inner Mongolia can contact me.

100,000 sum insured 20 years 3230 61 + 15 minor illnesses 20% of the sum insured and three waivers of premiums The cheapest and most comprehensive health insurance on the market.

It is necessary, when you are older, you must take advantage of your health to make a plan for yourself, when you are older, the probability of illness is high, you can contact me, I will help you design, you think about it yourself.

Hello! Every age needs to have a share of protection, you can understand the life of the Pacific today, comprehensive protection, such as needs, can make a plan for you.

Of course, it's necessary, and I'm getting sick and needing insurance.

Of course, it is necessary, because 40-60 years old is the period of high incidence of disease.

Then it is recommended to buy Ping An's Xinsheng full insurance

The older you are, the higher the premium. From the aspect of protection, you can do cancer insurance + medical insurance + accident insurance, medical insurance has general medical care and high-end medical care, specifically what insurance to buy, or you have to plan from the specific needs, if necessary, you can provide you with a plan.

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

Consider two aspects:12. Economic capacity, living environment.

At the age of 46, you should plan for old age, your physical strength is gradually declining, you are getting older, and you want to live in old age, and everyone wants to be carefree. In the case of financial affordability, *** is definitely better than no security. Nowadays, many insurances are paid for 10 years, 20 years, 30 years, or even for life, accidents, illness, pensions or property regrets.

Insurance tax avoidance and debt avoidance can be designated as a beneficiary ......A lot of features, and it's completely different from deposits.

In addition, it also depends on the environment you are in. If you have a stable job, no risk, no driving, good health, high family risk tolerance, and ...... filial piety to your childrenIn fact, insurance is a kind of protection, and by the way, plan the funds, and if you don't buy it, you won't be able to make a fortune if you buy it. Everything, it's up to you.

It is advisable to purchase an insurance policy if:

1. Frequent driving, business trips, and travel.

2. Good economic strength, not bad money.

3. Second marriage, divorce, bad relationship between husband and wife, foreign debts, etc., it is recommended to make a plan for funds.

4. Have a demand for a healthy body and pursue quality of life.

Others, to be added.

Seek pure thought for satisfaction.

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

1. Accident risks are everywhere, 46-year-old men are generally in the stage of "old and young", once out of danger, it will be a heavy blow to themselves and their families, and it will cause a certain economic burden. For this reason, you need to buy a suitable accident insurance to avoid risks. If you are the breadwinner of your family, the sum insured should be set at about 10 times of your annual income, and you can consider Lucky Life Annual Comprehensive Protection Plan.

2. Disease has become a major killer of human beings, and 46-year-old men are more likely to suffer from diseases due to stress, irregular work and rest, etc., so they should buy a health insurance. If the economic conditions are good, you can buy returnable health insurance; If you have average economic conditions, you can buy consumer-based health insurance, focusing on critical illness protection and hospitalization allowance. You can choose to choose Fortune Term Critical Illness Plan or Sunshine True Heart 128 Critical Illness Protection Plan.

3. If you have perfected accident and health protection, 46-year-old people also need to buy a suitable life insurance, which can help you achieve wealth appreciation, and it is also a reflection of the person in charge of your family.

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

At the age of 46, it is not cost-effective to buy insurance, especially health insurance, at that time, it is necessary to have a healthy body before buying insurance, if there is a disease before buying insurance, even if you buy insurance, you will not make a claim. For your mother, I personally suggest that it is better to help him buy social security, and now it is not how much money the elderly pay to retire and receive a pension. Learn more about this.

It is possible to buy it, there is nothing unnecessary and unnecessary? Because Ping An Insurance has a plan that is exempted from one plan, it is paid for 20 years, but during this period, there is no need to pay the premium after a critical illness.

Moreover, Ping An Insurance has a critical illness payment in advance, and at this time, it can still be reimbursed by the new rural cooperative medical treatment.

Something I don't understand is contacting me!

Hello, 46-year-old also needs to buy insurance! From the perspective of broad coverage, people who are 46 years old and in poor health generally need the following types of insurance: cancer insurance, accident insurance, and medical insurance, but your mother is not in good health, and it may be a bit difficult to apply for medical insurance, soIt is recommended that you purchase a combination of cancer insurance + accident insurance for your mother

1. Cancer insurance

As the name suggests, cancer insurance only covers cancer, although the scope is not large, but cancer, as the highest peak of critical illness, still needs to be configured. And cancer insurance has two major advantages that are ideal for parents to insure:

1. Wide range of insurance age:46-year-old parents can also be insured, which is a good solution to the problem that the elderly cannot be insured due to their age, and they can choose to insure for life without worrying about renewing the insurance.

2. Loose health notice:The 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, and if the budget is sufficient, it can also be configured for parents.

2. Accident insurance

The benefits of accident insurance are that the premiums are the same for adults, there is no health notice, and there is a small age limit, even if you are 80 years old.

Parents of 46-year-olds may be slow to react and have 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.

Accident insurance has low premiums and high sum insured, and it is also a must-have insurance for 46-year-oldsIn 2020, the most worthwhile accident insurance is here