If you want to buy a critical illness insurance for your parents, how much it will cost, does anyone

First of all, we don't know how old your parents are, the specific cost is related to the age and health of the insured, and it is also related to the coverage content of the insurance product. Let's say your father is 45 years old and insured Apollo.

No. 2 Multiple Critical Illness Insurance.

The insurance amount is 300,000 yuan, the payment is 15 years, the insurance is lifelong, and there is no optional liability insurance, then the annual premium you should pay is 8,805 yuan, and the premium will be different depending on the content of the insurance. The content of the product is also very important, so what kind of disease should you choose? It is recommended to read this article to understand:

What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

If your parents are over 60 years old, it is not advisable for people in this age group to purchase critical illness insurance. Critical illness insurance for this age group is often very expensive, and the insurance conditions are relatively strict, and even if it is insured, there may be a situation where it cannot be claimed. It is better to choose cancer insurance, although the protection is single, but the premium is low, and the insurance conditions are also relaxed.

Moreover, the higher the age, the higher the chance of cancer, which can effectively protect the health of the elderly. For cancer insurance, see this article for details: What is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

In addition, before buying insurance, you should also pay attention to some basic knowledge of insurance, many small partners because they do not understand insurance knowledge, resulting in buying the wrong insurance, the insurance bought back is not suitable for themselves, both waste of money and do not get sufficient protection. Therefore, you must understand these points before buying insurance: before buying insurance, you must first understand these key knowledge points!

There is no specific figure on how much you have to pay for critical illness insurance for your parents in a year, because the premium of critical illness insurance is related to factors such as the coverage liability chosen, the age of the insured, and so on. Take a 42-year-old man who insures Versailles Plus critical illness insurance as an example, choose the death option 2, buy 200,000 sum insured, protect for life, pay the premium in 20 years, no optional liability, and need 7,780 yuan per year.

If you are very interested in Versailles Plus Critical Illness Insurance, this review article should be collected quickly: Versailles Plus Critical Illness Insurance is back, and the in-depth evaluation must be read before buying!

Hello, the rate of a suitable critical illness insurance is related to the actual age of your parents, physical health, specific insurance types and other factors, there is no unanimous answer to your question, it is recommended that you still combine the actual situation of your parents to the insurance company or a special insurance platform to ask, here is a reference link for you.

How much does critical illness insurance cost a year).

In fact, there is no standard answer to the question of "how much does it cost to buy insurance for your parents", because the cost of buying insurance can be as small as a few hundred or as large as tens of thousands, and everyone still has to decide according to their own budget and their parents' risk protection needs.

Normally, the cost of medical insurance is about a few hundred yuan a year, and the same is true for accident insurance, while critical illness insurance is more expensive, requiring about a few thousand yuan a year. In addition to these common types of life insurance, if there is a need for pension, you can also buy a pension insurance for them, but compared with life insurance, the premium will be more expensive, generally more than 10,000 yuan a year.

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

Why do you need to buy these types of insurance? The following senior sister will give you a brief explanation.

First of all, medical insurance is a reimbursement type of insurance, which can cover the medical expenses incurred during the process of hospitalization. When the parents are older, the function of the body organs is gradually declining, and the chronic diseases of the three high schools are beginning to come to the door, and it is common to run to the hospital.

The second is accident insurance, because parents are old, the ability to react is not as good as that of young people, and it is very easy to have accidents such as walking falls and fractures, and accident insurance is to provide protection for accidents, and insurance can be paid according to the contract, but now many products also provide accidental medical protection, which can reimburse medical expenses caused by accidents.

If you don't know how to choose accident insurance, you can take a look at the following list:

In 2022, the most worthwhile accident insurance is here.

Finally, critical illness insurance, which is a kind of compensation insurance, mainly protects critical illness, but now many products also include moderate or mild illness, when the insured is diagnosed with the agreed disease, and the condition meets the claim conditions, the insurance company will pay the insurance amount according to the contract. However, critical illness insurance has very strict requirements for insurance age and health notification, and it is recommended to buy one if the parents are not very old and in good health.

With so many critical illness insurance products on the market, which ones are worth buying? Don't worry, Senior Sister has compiled a list of critical illness insurance with a very good cost performance, and friends in need can pick it up:

Top 10 Popular Critical Illness Insurance Points Worth Buying!

Hello! When buying insurance for your parents, you need to pay attention to the fact that social security is the premise, apply for insurance as soon as possible, give priority to accident insurance and health insurance, and avoid one-time payment. The details are as follows:

1. Complete social security is the premise. If the parents of the policyholder have not yet purchased social security, experts recommend that the policyholder improve the social security first, after all, this is the most basic protection and a benefit. Among them, medical insurance can reimburse a certain amount of medical outpatient expenses to reduce the financial burden of the insured.

If the parents of the insured are rural residents, they can apply for the new rural insurance and cooperative medical insurance.

2. Apply for insurance as soon as possible. At present, there is a certain age limit for domestic insurance companies to apply for insurance, and as long as the regulations are exceeded, the insurance company will require the policyholder to go to a designated medical institution for a physical examination. Therefore, children who plan to buy insurance for their parents should pay attention to this time limit and prepare for insurance as soon as possible.

3. Priority should be given to accident insurance and health insurance. As parents get older, the likelihood of accidents and illnesses increases, and once an accident occurs, the medical expenses incurred will also be higher. Compared with other types of insurance, accident insurance has lower premiums and higher protection, and the cost of buying accident insurance for parents is not much different from that of young people, and there are not too many restrictions, so accident insurance should be purchased first.

In addition, the parents are older and more likely to develop diseases, so a proper health insurance is indispensable.

4. Avoid one-time payment. Due to the high probability of accidents within the scope of the parents' insurance, the high proportion of compensation paid by the insurance company, and the large risk assumed, the policyholder will have to pay higher premiums, so the parents, especially health insurance, should try to avoid one-time payment, and it is more suitable to choose installment payment. On the one hand, the amount of each payment is small, which will not bring too much burden to the family; On the other hand, if an insured event occurs during the first few years of the policy, the insured person receives the insurance payment, which is much less than the amount of the single premium.

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

Now when it comes to insurance, the first thing that comes to mind is that the cost is very high, but in fact, this view is not quite correct!

In recent years, critical illness insurance has been updated once every three months on average, and the cost is inflated, the actual protection is not good, and the elimination rate is very high. So,Nowadays, the form of critical illness insurance is becoming more and more perfect, but the premium is not rising but falling. For example, these are all good-priced products this year"Top 10 Cheap and Good Price Critical Illness Insurance!

In order to have a specific understanding of the premium, let's take 500,000 sum insured and lifetime insurance as the calculation standard to understand how the cost of popular critical illness insurance has changed in recent years

2018 Fosun United Recreation Life C paragraph:This critical illness insurance is mainly to protect critical illness and mild illness, which is not expensive, ** more than 1,900 yuan a year;

2019 Centennial Life Comvibo Ultimate Edition:This product can be said to be a benchmark product for cost-effective critical illness insurance, which not only has critical illness and mild illness protection, but also moderate illness protection, not only critical illness and mild illness protection, but also moderate illness protection;

2020 Guofu Life Jiahebao:The critical illness insurance mentioned above, mild illness and moderate illness are available, and the first 15 years and diagnosed before the age of 51 can also pay an additional 50% of the basic sum insured, and the compensation amount for mild and moderate illness is as high as 60% of the basic sum insured, this level of compensation is top-notch in the same product, and the insurance premium is more than 1,700 yuan a year.

From these three products, we can also see that the development of the insurance industry has been very rapid over the years, and it is more consumer-oriented in terms of protection and quality. And just look at the premiumBasically, it only costs more than 1,000 yuan a year, and the average family can afford itWe can all consider using this money to buy a protection to resist the risk and try to avoid the occurrence of a serious illness that we cannot treat.

In fact, the following critical illness insurance is also quite well-known, and I have already calculated their premiums, as shown in the figure below

"After seeing this shortcoming, I don't want to buy [Kang Hui Bao".

How about Hengqin Life Discount? Comprehensive evaluation, in-depth analysis! 》

"Super Mario 2020max, which was blown up by netizens, still has these flaws.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

At this age, it is no longer suitable to apply for critical illness insurance.

Personal recommendation: Ping An e-life insurance: solve the problem of medical expenses;

Ping An Thanksgiving (Exclusive Cancer Insurance for the Elderly);

Ping An filial piety card solves the problem of accident insurance for the elderly.

If you have any questions, you can send a private message.

How much is the right amount of critical illness insurance to buy, whether it is to buy critical illness insurance that can protect serious illness, or to buy other insurance, we must first clarify what our budget is, generally speaking, the premium budget should be set at 10% of the annual income 15% of the role, according to different budgets, there are also different insurance plans:Super Practical Lazy Guide: Critical Illness Insurance Recommendations for Different Budgets

At present, critical illness insurance products are not only the 25 critical illnesses stipulated by the China Banking and Insurance Regulatory Commission, but in order to compete for market share, each product has been continuously upgraded in terms of protection, starting from the beginningSingle claim for critical illness1 time for critical illness + 1 time for mild illness -1 time for > severe illness + 3 times for mild disease. Slowly develop toMultiple claims for critical illness + multiple claims for moderate illness + multiple claims for mild illness + other additions.

Of course, the more comprehensive the protection, the more expensive it is, and we can't choose a product with only critical illness protection for the sake of cheapness, which is insufficient and reduces the probability of claims. Balanced protection and cost performance, personal advice is best to choose:1 compensation for critical illness + 2 times for moderate illness + 3 times for mild disease + 2 times for additional cancer and 2 times for cardiovascular and cerebrovascular diseases.

With such a complete guarantee, will it be expensive? "It's really not expensive, and some products can be bought in the early 1,000s. Such as these:In 2020, the top 10 cheap and well-priced critical illness insurance points!

So many cheap ones don't know how to choose? I'll teach you, take 5 products from 5 companies to evaluate:

If you pursue protection: Centennial Kanghui Preferential Treasure

The basic benefits of Comvibe have unique advantages, and they have more pre-existing conditions than others. And whether it is basic protection or optional liability, it is the top level on the market, and the protection is very comprehensive.

Good value for money too. If you want to have cancer secondary compensation liability protection, you can choose Kanghuibao. Other products will be more expensive than Comvi Insurance once they are attached to the secondary compensation liability for cancer.

If a woman is insured: Hengqin Preferential Treasure

Hengqin preferential treasure female rate is the lowest, women can give priority to preferential treasure. Moreover, the amount of critical illness claims for 50-60 years old is higher, and the interval between cancers is relatively shorter.

If a male is insured: Three Gorges Iron Warrior No. 1

Men can consider the Three Gorges Iron Warrior No. 1 first. Because the rates for men are very low, the basic protection is also sufficient.

How to buy critical illness insurance? Generally, it is necessary to start from the following three aspects, as follows:

1. Consider the probability of serious illness.

When purchasing, it is necessary to fully consider the incidence probability of serious diseases, and choose some common disease insurance types with high incidence probability. This saves customers money on their premiums.

2. Consider the cost needs of serious illnesses.

For the sum insured of critical illness insurance, you can't blindly follow the trend, not the higher the better. In addition to taking into account the actual expenses of the household, it is also necessary to measure the actual medical expenses of the covered illness. Under normal circumstances, the sum insured of critical illness insurance should be controlled at 10%-20% of the annual family income.

3. Consider the family's actual ability to pay.

It is best to consider the purchase of critical illness insurance according to the actual ability of the family to pay, so as not to affect the quality of life of the existing family. In general, it is recommended that consumers consider critical illness insurance with a return function, which can not only provide critical illness protection for everyone, but also save an emergency fund for the family.