I want to buy accident insurance for my mother and personal accident insurance for the elderly

In the insurance market, the types of elderly insurance are also colorful, and it is too difficult to choose the right product! It's okay, I'll help you sort out everything you want, poke the blue word to receive:Designed for the elderly!

Seven ultra-cost-effective insurance products

Yes, although there is a limit on the age of insurance in the market, there is still an accident insurance suitable for the elderly.

Maybe the subject is not very clear about buying insurance for the elderly, so I will talk to the subject about the scientific idea of buying insurance at this age

Important] The content of accident insurance will also be discussed in detail in Part 4 below

It is inevitable that a person will die of old age, sickness and death, and the following figure is a curve of incidence, which can intuitively see that the probability of disease will increase with age.

From a scientific point of view, it is recommended that the elderly configure these insurances:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

As the most basic security, medical insurance is a very important medical security for the elderly, and there are no requirements for age and health, you can buy it, especially for the elderly who cannot purchase other commercial insurance, medical insurance is a must.

2.Medical insurance

The elderly have a high risk of disease, such as diabetes, hypertension, rheumatoid arthritis, cancer, etc., all of which require long-term medication**, and over time, the medical burden on the family will become heavier and heavier.

Million medical insurance can be used for reimbursement of inpatient medical expenses, whether it is outpatient, surgery or hospitalization expenses, if the medical expenses are more than 10,000, then all expenses after the self-payment of 10,000 can be reimbursed, and there is 0 deductible reimbursement for major diseases such as cancer. As a supplement to medical insurance, it minimizes the cost burden. In order to help everyone save money on buying meat, I stayed up until two or three o'clock last night and finally sorted out this million medical insurance ranking, and I'm sorry for my dark circles if I don't show you!

"Top 10 [Worth Buying] Million Medical Insurance Points in 2020".

3.Cancer insurance

According to relevant statistics, the highest incidence of malignant tumors is the elderly. If you can't buy millions of medical insurance because the elderly are not in good health, it is best to choose to buy a cancer insurance.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Compared with critical illness insurance, cancer insurance can be said to be very cheap, and you can also take out insurance with illness, such as three highs, diabetes, rheumatoid and other diseases that are not related to cancer, will not affect your insurance at all.

4.Accident insurance

When people get old, their physical health is declining day by day, osteoporosis is very easy to fall and fall and get injured, and the frequency of accidents is extremely high, just like children. Besides, the recovery ability of the elderly is also far less than that of the young, and an accidental injury takes much longer and requires long-term medical expenses.

This shows the importance of an accident insurance for the elderly. Accident insurance is generally available up to the age of 65, and the premiums are very cheap and the health requirements are not high. Anyone who has bought insurance should know that it is very difficult to choose the right accident insurance product, and now I will give you the baby at the bottom of the box:

"Accident insurance products worth buying in 2020".Hope!

Hello, the elderly are old, it is recommended that you choose the elderly accident insurance for your mother, which includes coverage for death and disability, accidental medical treatment, accidental fracture and accidental vehicle injury caused by accidental injury. You can consider the following insurance: Taikang "Old Age" Accidental Fracture Insurance, which is suitable for middle-aged and elderly people who are vulnerable to accidents and fractures, covering accidental injuries (accidental death, disability), accidental fracture medical insurance benefits, accidental fracture bone density testing allowance, accidental fracture hospitalization allowance, and accidental fracture recuperation allowance.

Seniors between the ages of 50 and 75 are eligible to apply for insurance.

Product Details:

There are mainly the following ways to purchase insurance: 1. Offline purchase: bring your ID card and other relevant documents, go to the business outlets of the insurance company, and purchase it through the staff of the insurance company; 2. Online purchase:

By logging in to the insurance company**, mobile app or WeChat***, choose the insurance that suits you to purchase; 3. Third-party platform purchase: purchase insurance through formal third-party channels, such as WeChat or Alipay.

Accident insurance does not increase the premium due to advanced age, and there is no need for a medical examination. The premium is calculated according to the probability of accidents, so the premium is relatively low. A few dozen yuan a year, more than 100 yuan, you can have tens of thousands, hundreds of thousands of insurance amounts. So it's perfect for consumer-based purchases.

Due to the influence of traditional thinking, many people do not recognize consumer-oriented insurance, thinking that if something happens, the insurance premium will be paid in vain. Therefore, there are many people who choose products that can refund the premium, or can pay dividends. Many insurance companies have also adapted to the psychology of the public and launched a large number of return or dividend insurance products.

In fact, the wool comes out of the sheep. The cost of consumer-based insurance is the lowest, it is like a bailout**, according to the risk probability plus the reasonable profit composition of the insurance company. Once designed as a return or dividend type, the premium will be greatly increased, and the increased part is used by the insurance company to manage money, and can earn consumption-based premiums plus profits from financial management operations.

The goal of wealth management may be the interest rate difference of bank deposits, or it may be some relatively safe bonds and trust products.

Therefore, in the choice of accident insurance, the consumption type is more appropriate. In addition, card insurance is preferred because it is simple and clear.

2.Be aware of enrollment restrictions and renewals.

Insurance cards have certain insurance restrictions, such as occupation, age, etc. For seniors, age restrictions are paramount. Most of the insurance cards on the market are for young and middle-aged people, in fact, the prevention of accidents for the elderly is also very important.

The elderly are characterized by less going out, but their legs and feet are inconvenient, and falls, bruises, fractures, etc. are more common accidents.

In addition, when the elderly buy health insurance, they should pay attention to see if this insurance contains a renewal clause. For the sake of risk control, most insurance companies do not promise guaranteed renewal of short-term medical insurance, and actuaries are quite controversial about the clause of guaranteed renewal. However, for consumers, guaranteed renewal is very advantageous, if the insurance product cannot be renewed, the policyholder has an insurance liability accident within the insurance period, and the insurance company can refuse to continue to underwrite for the policyholder after the insurance company pays compensation.

The risk of the elderly re-becoming ill is very large, and the probability of illness is high, and the guarantee renewal can resolve these risks, once the insurance company promises to the insured to guarantee the renewal, it loses the right to underwrite the insured, no matter what kind of disease the insured suffers from, the insurance company shall not increase the premium, let alone refuse to insure.

In addition to buying insurance to avoid unavoidable risks, the elderly usually strengthen their own safety awareness, such as do not take hot baths, do not drink cold drinks, do not eat full, use non-slip flooring, install non-slip handrails, etc. to reduce the risk rate.

Accident risks are everywhere, in order to give yourself better protection, the best way is to buy an accident insurance for yourself, especially for the elderly, the probability of accidents will be relatively large, and it is particularly important to buy an accident insurance. However, for the purchase of accident insurance for middle-aged and elderly people, we should pay attention to the following points:

1. Combine your own actual needs to insure.

For middle-aged and elderly people to purchase accident insurance, they should be insured according to their needs, and only the insurance that is insured according to their actual needs is the most suitable insurance for them.

2. Pay attention to the protection of interests.

General accident insurance mainly includes cyber accident medical, accidental death and disability benefits. If you want more protection, you can consider purchasing an insurance plan that covers accidental hospitalization. In addition, you also need to consider whether the insurance company will cover the accidents that are highly common in middle-aged and elderly people, such as fractures.

3. Be wary of restrictive clauses.

Middle-aged and elderly people who buy million-dollar guardian accident insurance must carefully read the restrictions and clarify which ones are not covered, so that they can have a comprehensive understanding of accident insurance.

In addition, you can choose an insurance company with a good reputation, good reputation and large scale when applying for insurance.

80-year-olds can buy commercial insurance.

Insurance for the elderly over 80 years old The personal accident and health risks faced by the elderly over 80 years old are much higher than those of other groups of people, therefore, insurance companies often need to bear higher risks for these elderly people, therefore, most of the long-term insurance types in the market will list the elderly over 80 years old as excluded liability, only a few insurance companies launched consumer insurance products can cover the elderly over 80 years old, therefore, when consumers buy insurance products for the elderly over 80 years old, Priority can be given to consumer-based insurance products, which not only have affordable premiums, but also provide more comprehensive personal protection.

In addition, not all risks can be passed on through the purchase of insurance in advance, especially for the elderly over 80 years old, therefore, consumers should pay special attention to the liability exemption clause when buying insurance products for the elderly, and know which items are not covered by the insurance products for the elderly they choose, so as to avoid unnecessary disputes between the insurance company and the insurance company in the later claim.

In addition, in view of the fact that the older the elderly are, the more difficult it is to buy insurance, therefore, when purchasing insurance products for the elderly over 80 years old, it is necessary to give priority to the products that can be directly renewed in the later stage, especially after purchasing consumer insurance products with one year of protection for the elderly, the direct renewal function is particularly important, because if you choose the type of insurance that cannot be directly renewed in the later stage or the renewal needs to increase the premium underwriting, Then the elderly in the later stage are very likely to face the embarrassing situation of not being able to insure or needing to invest more premiums to be insured.

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

1.If it is a simple accident insurance, there is no need for a medical examination, because the risk of accident insurance comes from occupation and not age.

2.If you are over 55 years old and buy life insurance, it is likely to be upside down, that is, you pay more premiums than you get back.

3.If accident insurance is insured, then the injury caused by the accident is compensated according to the contract, and the illness caused by the accident is not compensated by the filial piety.

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

Yes, but there is still a coverage age limit.

Generally speaking, it is very appropriate to invest 10%-15% of the annual household income in the amount of premiums. It is appropriate to have an insurance amount of 6-10 times the annual household income.

For the elderly, it is recommended to give priority to critical illness insurance and accident insurance, and you can choose a one-year comprehensive protection plan, or you can choose a special protection plan suitable for middle-aged and elderly people, such as special accident insurance for fractures and joint dislocations.

When applying for insurance, you need to pay attention to the sum insured, coverage, exclusions, duration and effective time of the insurance.

There are many ways to apply for insurance, you can choose to go directly to the insurance company to consult and purchase, or you can choose to compare and purchase on the online insurance platform.

A 60-year-old can buy accident insurance.

1. Due to the poor safety and prevention ability of the elderly, the probability of accidental injury is much higher than that of people of other ages, especially in traffic accidents, fires and other accidents, therefore, the elderly over 60 years old prefer accidental injury insurance when applying for insurance.

2. Since the elderly over 60 years old have more chances of getting sick, it is very important to buy a health insurance, and you can consider purchasing hospital medical insurance or comprehensive medical insurance.

3. Critical illness insurance is a type of benefit-type insurance, if a critical illness is found before the end of the payment period, the insurance company can pay a one-time critical illness or death insurance benefit, and if possible, you can choose to purchase a critical illness insurance with a longer payment period.

1. Pay attention to the age of coverage. The elderly are more likely to have accidents and the amount of compensation is also higher, so the maximum coverage age of most comprehensive accident insurance is set at 60 years old, if your parents have exceeded the age range, don't worry, some insurance companies have launched comprehensive accident insurance for the elderly, the maximum coverage age can be 75 years old.

2. Pay attention to the protection of interests. General accident insurance mainly covers accidental death, disability, and accidental medical treatment. If you want more protection, you can purchase an insurance plan that covers accidental hospitalization and gives you a daily allowance during your hospitalization.

At the same time, you also need to consider whether the insurance company will cover accidents that are more common in the elderly, such as broken bones.

3. Be wary of restrictive clauses. When the elderly buy insurance, the requirements of the insurance company are many. Renren insurance experts remind everyone that the elderly must carefully read the restrictions before buying accident insurance, clarify which ones are not covered, and know what is not covered, so as to achieve a comprehensive understanding of the insurance product.