What kind of insurance is suitable for seniors? Is it necessary to buy commercial insurance after th

Measure it yourself, if there is no family disease, such as no heart disease, diabetes, or cancer among parents and siblings, then the probability of this person will be smaller. Insurance is to buy a guarantee for yourself, and you can use the protection in the insurance to reduce the pressure on the family.

The premium for the elderly over 50 years old to buy commercial insurance will be higher, measure it yourself, choose a suitable product if you want to buy, and you need to understand that you can send a private message.

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

Everyone doesn't know, once you get older, it's not us who pick insurance, or insurance who picks people.

Today, I will carefully talk to you about what insurance is suitable for the elderly after the age of 50.

In 2016, I started to show my father insurance, and the overall feeling was "so difficult".

Because my father was 50+ years old at the time, and his budget was limited, there was very little room for choice, but fortunately, my father was still healthy, and finally bought a suitable one.

But when Dabai was making a plan for his friend's father, he was denied insurance because his health did not meet the situation.

1. How to arrange the insurance plan of parents?

1. Medical insurance:The most cost-effective basic protection, which can be insured with illness, renewed, long-term validity, and has the highest priority.

2. Critical Illness Insurance:If your parents are around 50 years old and in good health, it is recommended to consider a pure critical illness insurance that is consumption-based and does not include life insurance liability, with a coverage period of 10 or 20 years.

Dabai does not recommend savings critical illness insurance with life insurance liability, because the sum insured and the premium will be very close, and the later the age, the more you goPremiums can even be upside down, then it loses the meaning of buying insurance.

3. Cancer Insurance:If your parents are over 55 years old, or if they are not too old but have a health condition that makes it difficult to buy critical illness insurance and medical insurance, you can consider buying cancer insurance.

In addition, considering the high incidence of cancer, the ** fee is also high.

For cancer risks, it is also possible to purchase cancer insurance to superimpose the sum insured on the basis of the critical illness insurance that has been configured, so as to make the protection more complete.

4. Medical Insurance:In order to reduce the burden on their children, many parents would rather endure minor illnesses and even major illnesses than go to the hospital. Medical insurance is the most targeted in terms of medical expense protection, which can reimburse outpatient and emergency expenses, hospitalization, surgery and other expenses, which can reduce the psychological pressure of parents.

However, the health notice is stricter and there is no guarantee of renewal. (At present, there is a million-dollar medical insurance on the market that guarantees renewal.)

5. Accident Insurance:Due to the decline in physical and mental state, parents' reflexes, agility, and physical functions are much worse than before, and the probability of accidents is much higher than that in young adults, so it is necessary to configure accident insurance.

6 Life Insurance:If the parents are still the breadwinner of the family, such as having children in school or having outstanding loans, you can supplement a life insurance policy as appropriate.

2. How to arrange the order reasonably? Many people may see the series of insurance posted above, their heads are big, the budget is not enough, how to arrange a reasonable order for their parents' insurance?

I think you can come in that order:

Under 50 years of ageLife. There is still room to supplement the pension insurance.

Age 50 years and over:Priority is given to medical insurance, followed by cancer insurance and accident insurance. According to economic conditions, cancer insurance and pension insurance can also be supplemented.

Combined with the budget, you can buy it for your parents like this!

After reading the specific order, Dabai also combined everyone's budget to give you such a wave of insurance plans.

$11,000 insurance plan

$2,4000 insurance plan

310,000 yuan insurance plan

1. Which insurance is more appropriate for the elderly over 50 years old.

1. Accident insurance.

The elderly are old, slow to move, and their bodies are not as flexible as before, and they are prone to accidental injuries such as traffic accidents, falls, and other accidents. Therefore, it is necessary to take out an accident insurance for the elderly.

2. Cancer prevention insurance.

Therefore, it is generally more appropriate for the elderly to buy cancer insurance, which is cheap and has special protection, which is more suitable for people who cannot insure critical illness insurance. Moreover, the stage of being over 50 years old is also a period of high incidence of cancer, so it is more reliable to purchase cancer insurance for protection.

3. Medical insurance.

50 years old 70 years old when the incidence of various diseases is high, if the early protection is not perfect, the hospitalization cost is also a large expense. Therefore, it is a good choice to buy a medical insurance with comprehensive coverage.

2. Precautions for insurance for the elderly over 50 years old.

1. Buy insurance according to your ability.

When buying insurance for the elderly, it is best to choose insurance based on their own financial affordability, and do what they can, and the annual premium should not exceed 20 of the policyholder's annual family income, generally between 10 and 20.

2. Follow the principle of maximum integrity.

When buying insurance, we must follow the principle of maximum good faith, we must tell the truth about the medical history, if the insurance needs to be claimed in the later stage, once it is found that it is a deliberate concealment of the medical history, the insurance company can not make a claim and will not return the premiums paid, which outweighs the loss.

3. Read the terms carefully and sign carefully.

When purchasing insurance, be sure to read the terms of the insurance policy carefully. For example, if you do not understand the scope of coverage, insurance liability, exclusions, etc., consult the insurance consultant in time if you do not understand the questions.

4. Pay attention to the hesitation period.

Most insurance companies will have a hesitation period of 15 working days when purchasing insurance, and if you have any doubts during this period, you can surrender the policy in full and unconditionally without causing you any loss.

5. Pay attention to the waiting period.

Health insurance will have a waiting period, the shorter the waiting period is more friendly to consumers, the waiting period for health insurance varies from 30 to 180 days, you need to pay attention when applying for insurance.

Legal Advice: Netizen: What is the insurance claim process?

Lawyer: Different types of insurance require different types of insurance to prove that the evidence of the insured accident has its own emphasis

1. Critical illness insurance: diagnosis certificate, outpatient medical records, hospitalization and discharge summary;

2. Medical insurance: hospital receipts and hospitalization lists, various charge vouchers, outpatient medical records and other detailed information;

3. Life insurance: death certificate, household registration cancellation certificate;

4. Accident insurance: The claim materials that need to be prepared for accidental medical reimbursement are similar to those for medical insurance.

Hello! When the elderly over 50 years old buy insurance, they should consider pure protection products, so that they can get better protection with affordable ** and avoid the phenomenon of inverted premiums. Generally speaking, consumer-based accident insurance, health damage insurance, and protection life insurance Chasong are all good choices.

The following is the specific introduction of China Minsheng Insurance Network to you:

The physical function of the elderly is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also weakened.

The ability of the elderly to resist disease is significantly weakened, and the possibility of disease increases. Therefore, it is recommended that 50-year-olds choose a suitable consumer health insurance after doing a good job of accident protection.

If the elderly want to protect themselves while leaving a certain amount of financial comfort for their families, they can buy a term life insurance with protection, which can avoid the inversion of premiums.

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

Sycamore Tree Insurance Network helps you answer your questions

More than 50 years old is a period of high risk in life, the physical fitness of people in this age group is generally not as good as before, many health problems accumulated when they are young begin to be highlighted, and the purchase of insurance needs to pay more attention to basic protection, suitable for health insurance and accident insurance.

In your 50s, you can also purchase cancer insurance to provide exclusive protection for cancer risks, and pay for cancer when diagnosed, reducing the pressure of cancer** expenses and not dragging down your family. At the same time, supplementing the million medical insurance to reimburse ordinary hospitalization and medical expenses can also avoid the situation that the insurance amount of cancer prevention insurance is insufficient, so that the protection is more sufficient.

Accident insurance is also indispensable, accidents and tomorrow no one knows which one will come first, only by buying insurance in advance, can you be prepared, even if you encounter an accident, you can calmly deal with the risk, and the loss can also be compensated.

After the basic protection is perfected, if the budget is sufficient, the breadwinner of the family can consider life insurance. Give your family an intimate guarantee, and you can also pass on your wealth stably.

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

Hello! At the age of 50, it is obviously not cost-effective to buy some insurance at this age, especially commercial endowment insurance, because the age is older, the accumulation time of the corresponding policy value is also reduced, and it is easy to pay more premiums than the protection, which is not very cost-effective.

If you want to increase the necessary commercial insurance, you can properly consider some accident insurance, health insurance protection coverage, although the corresponding age and health restrictions are still some, but the relative protection is more realistic.

What do you think?

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

Seniors over the age of 50 should choose insurance products according to their actual situation (including health status, financial ability) and protection needs (whether there is social security).

1. Basic protection: accident insurance, accident medical insurance, hospitalization medical treatment and hospitalization subsidy insurance. Increasing age makes you less agile than before, and the chance of accidents increases;

2. Health protection: Critical illness insurance should be insured in time when your physical condition is still good, which is the last chance. After the age of 50, people begin to enter a period of high incidence of diseases. The three highs are not far off.

3. Life insurance protection: If you have a certain amount of property, in order to leave it to your family, use the insurance beneficiary to dispose of a part of the property to avoid family disputes in the future, and it is also the best choice to avoid inheritance tax. If you don't have a lot of property, using a small amount of cash and your life span to make your family better in the future is also an explanation to your family.