What kind of insurance is good for the elderly to buy without medical insurance, and what kind of me

Hello! What kind of insurance is good for the elderly? This is a topic that many elderly people and their children are concerned about, at present, China's aging phenomenon is serious, how the elderly can spend their old age safely, heavy protection of medical insurance is very important.

At present, it is suitable for 55-year-olds, and you can purchase this "Huize Middle-aged Care (56-60 years old) Plan I" Its features:

1. You can enjoy the triple protection of health, accident and accidental medical treatment.

2. Critical illness insurance of 100,000 yuan.

If one or more of the 30 listed major diseases occur, a one-time payment of 100,000 yuan can be received after confirmation.

3. Comprehensive protection for accidental injuries and medical treatment.

$100,000 in accidental death, disability and burns and $3,000 in accidental medical coverage.

The elderly take Shenma for the elderly.

How do you live your old age? Elderly insurance to escort.

The first health insurance for the elderly in China has quietly "come out".

For the elderly who do not have medical insurance, the senior sister recommends applying for resident medical insurance first. If you want to take out commercial insurance, the senior sister recommends that life protection insurance be the mainstay.

Generally speaking, for the elderly, people mainly buy these types of insurance: cancer insurance, cancer medical insurance, and accident insurance.

Friends who don't know how to buy insurance for the elderly, you can take a look at this popular science article sorted out by the senior sister: What are the [old people's insurance] and what insurance is good for your parents, you all need to know.

1. Cancer insurance.

Due to the older age, the elderly may have their premiums upside down if they buy critical illness insurance products, so at this time, we can choose to purchase cancer insurance, and compared with critical illness insurance, the health notice of cancer insurance is relatively relaxed.

Cancer insurance is mainly to provide protection for the cancer agreed in the policy, and the insurance company will pay a sum of insurance money according to the agreement if the insured unfortunately has the cancer agreed in the policy and meets the claim during the insurance period.

For those who don't know about cancer insurance, you can take a look at this article: What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2. Cancer prevention medical insurance.

Cancer medical insurance is a reimbursement type of insurance, which is different from million medical insurance, cancer medical insurance is mainly to reimburse the insured for the expenses incurred by the cancer, that is, the expenses incurred by other non-cancer diseases, and the cancer medical insurance is generally not reimbursed.

However, the health notice of the million medical insurance is relatively strict, and many elderly people are unable to purchase the million medical insurance they want because of physical reasons or age reasons, so it is also good to buy cancer prevention medical insurance.

3. Accident insurance.

As they grow older, some elderly people are not as sharp as when they were young, and they are prone to accidents such as falling and injury, so it is necessary to configure an accident insurance for the elderly.

Medical insurance is not equal to social security, but only a part of social security, which is the abbreviation of medical insurance. Social security includes endowment insurance, medical insurance, work-related injury insurance, unemployment insurance and maternity insurance. Social insurance is a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons.

The social insurance program is organized by **, forcing a certain group to use a part of its income as a social insurance tax (fee) to form social insurance**, under the condition of meeting certain conditions, the insured can get a fixed income or loss compensation from the base god friend gold, it is a redistribution system, its goal is to ensure the reproduction of material and labor and social stability.

Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, etc. Article 25 of the Social Insurance Law of the People's Republic of China The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy.

Those who enjoy the minimum living guarantee, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families, etc., will be subsidized by **. Article 26 of the Social Insurance Law of the People's Republic of China The treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with the provisions of the State.

There are insurance that the elderly can buy without medical insurance, specifically:

1. Million medical insurance.

If you don't have medical insurance, you can buy millions of medical insurance, solve the problem of expensive medical treatment for the elderly, as long as the first fee is generated due to accidents or diseases, it can be reported within a reasonable range, but there is a difference between the premium paid by medical insurance and no medical insurance, and the premium without medical insurance will be a little more expensive.

2. Critical illness insurance.

Critical illness insurance refers to the fact that a disease that meets the scope of the contract can be paid a sum of insurance benefits, which is not directly related to whether there is medical insurance, but it is necessary to confirm whether it meets the requirements of the contract definition.

3. Cancer insurance.

Cancer insurance is more friendly to the elderly, and this type of insurance is called a simplified version of critical illness insurance, which only pays for cancer.

4. Accident insurance.

Accident insurance provides accident protection, accidental death and total disability are not directly related to whether there is medical insurance, but the reimbursement of accidental medical treatment has a certain relationship with whether there is medical insurance or not, and the reimbursement ratio of no medical insurance will be low.

5. Annuity insurance.

Annuity insurance is a financial management attribute, as long as you have money in hand, you can buy it from a friend, and there is no direct connection with whether there is medical insurance. This type of insurance can be used for wealth planning and inheritance.

1. Priority in purchasing accident medical insurance.

The elderly are inflexible in their hands and feet, inconvenient to move, and are prone to accidents such as falls, and the elderly are relatively loose in bones, and once an accident such as a fall occurs, it is easy to produce fractures. In this way, the cost of hospitalization** is also a lot, so it is necessary to give priority to purchasing accident medical insurance for the elderly, and it is recommended to purchase a special medical insurance for accidental fractures for the elderly.

2. Purchase appropriate hospitalization medical insurance.

As soon as people get old, many diseases will automatically come to the door, and the elderly will become frequent visitors to the hospital. Therefore, if the elderly are covered by accidental medical treatment, they must also buy a hospital medical insurance for the elderly. When purchasing hospitalization medical insurance, it is necessary to pay attention to the deductible, reimbursement ratio and compensation method.

3. Purchase appropriate critical illness medical insurance.

The probability of the elderly suffering from a critical illness is very high, so it is also necessary to purchase a critical illness medical insurance for the elderly in advance. When purchasing critical illness medical insurance, it is necessary to pay attention to the phenomenon of premium inversion, and choose the appropriate amount of insurance to be insured.

When children buy medical insurance for the elderly, they should first see how many days the observation period is. Usually, the contract of the medical insurance product has an observation period, during which the insurance company does not have to compensate the elderly if they incur any medical expenses. Different insurance companies have different observation periods, some are 30 days, some are 60 days, and some are 90 days.

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Private medical insurance refers to the establishment of medical insurance for individuals themselves through the way of national protection or commercial insurance companies in the society. Individual medical insurance includes social medical insurance and commercial medical insurance. 1. To purchase urban medical insurance by individual urban residents, they need to bring their identity documents, the original and photocopy of the household registration book, and a one-inch barehead** to the community neighborhood committee or social security office under the jurisdiction of the household registration to pay for registration.

2. Rural residents can purchase medical insurance directly at the village committee to pay for the medical insurance by purchasing medical insurance. 3. Individuals can bring their ID cards, household registration books, and one-inch bareheaded ** to the corresponding insurance companies for the purchase of commercial medical insurance. Fourth, the precautions when purchasing personal medical insurance.

1. Pay attention to the limit of the insurance age, each insurance company has different regulations on the minimum insurance age, and the minimum insurance age is generally from 90 days after birth to 16 years old. However, the maximum age set by each insurance company is roughly the same, at 65 years old. If you are not in this range, you are generally not suitable for insurance.

The younger you are, the lower the premium, so it is advisable to apply early. Clause.

2. Pay attention to the clause of the obligation to tell the truthWhen entering into an insurance contract, the insurer should truthfully state his physical condition and past medical history, so that the insurer can judge whether to accept the underwriting or under what conditions. Some hospitalization medical insurance policies explicitly exclude certain serious diseases (such as congenital diseases, leukemia, etc.). Therefore, do not conceal your medical history, otherwise it will cause the insurance contract to lapse and the insurance company will not fulfill its obligation to pay even if an insured event within the scope of liability occurs.

Clause. 3. Pay attention to the scope of responsibility of the insurance type When purchasing insurance, it is very important to understand the scope of responsibility of the insurance type, and the insurance company will fulfill the obligation to pay compensation only when the insured accident occurs within the scope of responsibility. For example, the popular "Critical Illness Insurance" in the market generally covers the first diagnosed illness after the insurance is purchased. Such as cancer, stroke, myocardial infarction, etc., while asthma, tuberculosis and other diseases are not covered.

Clause. 4. Pay attention to the wait-and-see period of hospitalization medical insuranceThe so-called wait-and-see period means that the insurer will only fulfill the responsibility to pay the medical expenses incurred by the insured due to illness after the insurance contract has taken effect for a period of time. Except for the hospitalization medical expenses caused by accidents, for general hospitalization medical insurance, the insurance company has a wait-and-see period when underwriting. According to different types of insurance, there are two types of wait-and-see periods: 90 days and 180 days from the effective date of the contract, and the insurance company is not responsible for the medical expenses incurred during the wait-and-see period.

When an individual purchases medical insurance, it will be divided into three situations according to the applicant's household registration and type of insurance: urban residents, rural residents, and commercial medical insurance. Depending on the situation, there are different ways to buy health insurance.

And pay attention to the exclusion clause when purchasing private medical insurance. Insurance companies generally adopt deductibles for some medical expenses that are relatively low.