Do 60 year olds still need to buy elderly accident insurance?

Hello, it is still necessary for the 60-year-old to buy accident insurance, because as the age increases, the old man's physique will become worse and worse.

If you don't know how to configure accident insurance for the elderly, you can read this article: "Accident insurance for the elderly is configured like this, ***".

1) It is best to include accidental medical treatment in the accident insurance product you choose, so that if the parents are unfortunately hospitalized due to an accident, the medical expenses incurred can be reimbursed.

2) Before applying for insurance, it is necessary to understand the protection content, exemption clauses and health notices of the product, etc., to avoid unnecessary disputes after the subsequent insurance accidents.

3) Most middle-aged and elderly people suffer from osteoporosis, which can easily lead to fractures due to falls, and some accident insurance includes fracture coverage, which is very suitable for elderly parents.

4) Some accident insurance has a deductible for accidental medical treatment, ranging from 100 yuan to several hundred yuan, and the accidental medical expenses incurred will only be reimbursed by the insurance company that exceeds the deductible.

Some accident insurance has no deductible, and reimbursement does not need to deduct the deductible and is reimbursed directly, so it is better to choose an accident insurance without a deductible.

5) The coverage of accident insurance is not as wide as possible, we must choose the right product according to the health status of our parents and insurance budget, and do not blindly pursue protection and ignore our financial affordability.

Hello, the elderly are actually sometimes similar to children, doing things will make our younger generations not at ease, but we can not be with them all the time, and the elderly like to go out, to protect the risk of occurrence, it is necessary to choose accident insurance for the elderly. We recommend Taikang "Old Fortune" 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, 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.

You also need protection against fractures in the elderly, so it's a good idea to buy this.

Product Details:

Can people over 60 years old still buy accident insurance?

Accident insurance. The insurance age can generally reach 75 to 80 years old, and the elderly are prone to high disability and fractures caused by accidental injuries.

Joint dislocation, burns.

As long as the conditions for major surgery are met, the insurance company can pay up to 100,000 yuan, which is more suitable for the elderly. Seniors need special protection, which can be covered by accident insurance for the elderly.

Get professional coverage.

1. The elderly over 60 years old should follow the following choices when buying accident insurance:

1. When purchasing accident insurance, it is necessary to pay attention to whether there is medical compensation, disability compensation and hospitalization day allowance, whether there is a designated hospital, and if there is a designated hospital, then if you do not seek medical treatment in the designated hospital, the insurance company will not make a claim. Finally, there is the exclusion clause in the accident insurance category.

2. Accidental medical deductible.

The lower the reimbursement ratio, the better. You can choose a low deductible or no deductible, and the reimbursement ratio can reach 100%.

3. Buy consumer accident insurance.

Accident insurance is purchased to protect against unexpected risks, and consumer accident insurance has a low premium, a wide range of coverage, and an insured amount.

High. 2. How to buy accident insurance.

1. Find a trusted salesperson or a regular third-party ** organization through formal channels, and choose a powerful insurance company.

2. When purchasing personal accident insurance, it is necessary to see the scope of insurance liability and understand the content of whether the insurance company will reimburse or not. Accidental medical expenses are generally deductible, and those exceeding the deductible will be reimbursed on a pro-rata basis.

3. Understand the claim process and required documents, so that it is easy to get a claim when the accident occurs.

4. Choose the appropriate personal accident insurance according to your age, occupation and the amount of insurance you choose.

Test your anti-risk index, experts will interpret it for you for free!

People have birth, old age, sickness and death, which has been the case since ancient times, and according to the following incidence curve, it can be seen that after the age of 50, the probability of disease will be greatly increased.

In general, it is recommended that the elderly configure the following types of insurance:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

For 99% of the elderly, medical insurance is the most important medical security, there is no age limit and health requirements, especially for the elderly who cannot purchase other commercial insurance, medical insurance is extremely important.

2.Medical insurance

The elderly are at high risk of disease, and if they suffer from diabetes, hypertension, cancer and other high-incidence diseases in the elderly, they will inevitably take long-term medication**, which brings a lot of financial burden to the family.

3.Cancer insurance

Older people are much more likely to develop malignant tumors than younger people. If your parents are in poor health and are affected by the purchase of million-dollar medical insurance, it is best to choose to buy a cancer insurance policy.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Compared with critical illness insurance, cancer insurance will be much cheaper, and it can be insured with illness, such as three highs, diabetes, rheumatoid and other diseases not related to cancer.

4.Accident insurance.

When people get old, their bodies begin to have various problems, osteoporosis, and if they are not careful, they will break their feet and fall, and the risk of accidents is too high. Moreover, the recovery ability of the elderly is also relatively poor, and if an accident occurs, the time may be much longer than that of young people, and long-term medical expenses are required.

The best way to solve these problems is to configure a comprehensive accident insurance for the elderly. Accident insurance is generally available up to the age of 65, the insurance cost is not high, and the health requirements are relatively low. But it takes a lot of effort to buy a suitable accident insurance, and here is a ready-made information for you:

"The most [worth buying] accident insurance evaluation in 2020, super cost-effective!》

The elderly over 60 years old are indeed suitable for the configuration of accident insurance, and Daddy has collected some accident insurance suitable for the elderly, the details are as follows:

Accident insurance product evaluation for age -65:

Little Bee Annual Comprehensive Accident Insurance (Collector's Edition).

Pacific Talisman.

Zhongan Worry-Free Insurance Million-dollar Comprehensive Accident Insurance.

Asia-Pacific Superman. Zhongan women enjoy exclusive accident insurance.

Allianz Million Rose Accident Insurance Plan.

Most of the above products are in the range of 50-65 years old, and there are elderly people at home who need to be configured.

Daddy directly concluded:

Those who pursue a high sum insured for accidental medical treatment: Zhongan Worry-Free Insurance Million Comprehensive Accident Insurance

See here for detailsComprehensive accident insurance to protect against sudden death

The amount of accidental medical treatment is an important indicator to measure the quality of an accident insurance, and the accidental medical treatment of Zhongan Worry-Free Insurance has an insured amount of 50,000 yuan, which is relatively high in the accident insurance and is worth considering.

The pursuit of cost-effective: Little Bee year-round comprehensive accident insurance, Asia-Pacific Superman.

The insured amount of Little Bee is 300,000 yuan, and the annual premium is only 90 yuan, which is about 45% of the talisman of the same insured amount

The insurance amount of Asia-Pacific Superman is 500,000 yuan, and the annual amount is 169 yuan, which is 58% of Zhongan worry-free insurance.

Moreover, the protection of Little Bee and Asia-Pacific Superman is also relatively complete, which is suitable for friends with average economic conditions.

Women's Insurance: Million Rose Accident Insurance Plan.

Allianz Million Roses is an exclusive accident insurance for women, which can only be purchased by women, with an insurance amount of 1 million for death and disability, and the accidental medical treatment is not limited to social insurance, which is very sufficient.

For women who are looking for a high sum insured, you can consider this one.

The disadvantage is that the deductible for accidental medical treatment is relatively high, and it needs to exceed 500 yuan to be reimbursed, and the practicality is discounted. You can choose according to your personal budget and needs.

In addition to accident insurance, it is also a good choice to configure cancer prevention medical insurance for parentsParents' cancer insurance is the most heartfelt to buy in this way

When the elderly go out when they are old is a season with a high risk of accidents, it is still very necessary for children to buy an accident insurance for their parentsAccident insurance has a role that cannot be replaced by other insurances".

In 2020, the most worthwhile accident insurance is here

1.High leverage: A few hundred yuan can get millions of death benefits, and the leverage is super high, which is incomparable to other insurances;

2.Disability Protection: In the event of accidental disability, it can be paid proportionally according to the level of disability, and other insurances do not have this function;

3.Loose purchase: The vast majority of accident insurance does not have a health notice, as long as the elderly are healthy and live a normal life, they can be insured.

Although accident insurance is simple, the focus of the choice will be different depending on the age. So how to choose accident insurance for the elderly?

What should I look for when buying accident insurance?

Generally, the hospitalization allowance of accident insurance is paid on a daily basis, and a single hospitalization is compensated for a maximum of 90 days; The fracture allowance is fixed and ranges from a few thousand dollars. Accident insurance is a simple and practical type of insurance, and you can get compensation for injury or death due to accidents.

A standard accident insurance policy will usually include the following three coverages:

Accidental death: If a person dies due to an accident, the insurance company will pay a sum of money directly. If you buy 500,000 insured, you will pay 500,000; If you buy 1 million, you will lose 1 million.

Accidental Disability: If you are disabled due to an accident, you can receive compensation on a pro-rata basis. Disability is divided into grades 1 to 10, and if the first level disability is the most serious, 100% of the sum insured will be compensated; For second-degree disability, 90% of the sum insured will be compensated, and so on.

Accidental medical treatment: The insurance company can reimburse the medical expenses for accidental injuries.

These three points are the indispensable responsibilities of accident insurance, if any one is missing, this product is garbage, and it will be decisively blacked.

Next, let's focus on these three points and choose an accident insurance

Ultra-complete! Comparison table of popular domestic accident insurance

How to choose accidental medical treatment?

In contrast to death, most accidents only result in injury.

1.The coverage is as wide as possibleSome products only cover the expenses within the social insurance, and some products are not limited to the reimbursement of the expenses inside and outside the social insurance; The latter will of course be better protected.

2.The deductible is as low as possible: A product with a 0 deductible is definitely better than a 100 deductible, and the lower the deductible, the better.

3.The higher the reimbursement rate, the better: 100% reimbursement is definitely better than 80% reimbursement.

In addition, some products will have other benefits, such as hospitalization allowance, vaccine liability, ambulance, etc.;

These are the icing on the cake features, and it would certainly be better to have them. All in all, it is not difficult to choose an accident insurance.

We understand our own needs and can choose the right product by weighing several dimensions such as premium, sum insured, and accidental medical treatment.

Accident insurance only covers accidents but not diseases, regardless of health conditions, and there is no problem that the policy cannot be renewed. There is also no annual price increase. Therefore, for accident insurance, short-term insurance will be more suitable

Yes, you can buy cancer medical insurance, 60-year-olds, only need more than 900 a year, you can buy 2 million insurance for cancer insurance, and finally you can buy an accident insurance for your parents, more than 200 a year, there is 500,000 insurance. In this way, more than 1,000 a year can be used to provide parents with complete protection.

Seniors over the age of 60 can buy insurance. Just because of age, there will be a lot of restrictions when applying for insurance. Before applying for insurance, it is recommended that you take a look at this popular science article: "What are the insurances that can be bought for the elderly?" 》

After all, most insurance companies will have an age limit, such as if the maximum age limit is not more than 60 years old, then this insurance product cannot be bought by the elderly over 60 years old. Of course, some insurance products will be more lenient on the age of insurance, such as some stipulate that the maximum age limit is 65 years old, and some stipulate that it is 70 years old, or even 80 years old, and these insurance products can be insured by the elderly over 60 years old.

In addition to the age limit, because the physical condition of the elderly is often not very good, the insurance company may also require a physical examination when going to apply for insurance, and if the conditions are not up to standard, they will directly refuse to insure. Moreover, if the elderly go to apply for insurance, the premium may also increase.

If you are over 60 years old and want to take out insurance, you can go to apply for accident insurance. The insurance conditions of accident insurance are relatively relaxed, the age limit is not so strict, and the probability of accidents for the elderly is relatively high, so it is still very cost-effective to purchase accident insurance. There is also cancer insurance, the maximum age limit is 75 years old, and the underwriting conditions are relatively relaxed, which is very suitable for the elderly to buy.

Daddy Insurance will recommend insurance products suitable for users, help you solve problems from an objective and neutral third-party perspective, and have helped 100,000+ families to scientifically configure the plan, so that you can buy insurance and spend less money.

People over the age of 60 can buy insurance. With the increase of age, people's various physical functions decline, and the risk of disease is also increasing, so many insurance companies have strict restrictions on the elderly over 60 years old, and the elderly not only have fewer choices to buy insurance, but also have high premiums. However, in any case, it is necessary to add a layer of protection to yourself.

Dad came to talk to you about how the elderly should buy insurance.

1. What is the necessary insurance for the elderly?

The security of the elderly in their old age is not only the responsibility of our children, but also the state to share the burden of support for us.

As our basic security, social security is a welfare for us, so social security is the basic insurance we must equip the elderly.

For most of the elderly with urban household registration, if they have paid the required number of years, they can enjoy lifelong old-age security and lifelong medical insurance benefits.

If the parents did not pay the full amount when they were young, then we can choose to make up the payment. In the case that they cannot make up the payment, they can buy a resident medical insurance as the most basic medical insurance.

2. What kind of insurance is suitable for the elderly?

1. Accident insurance.

The physical fitness of the elderly is relatively poor compared with adults, with the increase of age, osteoporosis, inflexibility of legs and feet and other problems also appear, small bumps can easily lead to fractures, cramps, falls and other accidents.

Therefore, accident insurance is our first choice for parents to allocate insurance.

Therefore, when configuring accident insurance for the elderly, the main protection responsibility is not only accidental death and disability, but also accidental medical liability, and the daddy recommends that you choose 0 deductible, the insurance coverage includes the medical insurance catalog, and the reimbursement amount is not less than 10,000 yuan for the product.

2. Cancer prevention insurance.

For the elderly under the age of 60, there are still some insurance products to choose from, but most of these products have high premiums and are not suitable for ordinary family configurations.

For example, critical illness insurance and million medical insurance, there is a high probability that millions of medical insurance cannot be insured, and critical illness insurance is easy to have a premium inversion, which is not cost-effective.

The health notice of cancer prevention insurance is much more relaxed than that of medical insurance, and the premium is much cheaper than that of major illness insurance, and the content of protection is high-incidence cancer, so this type of insurance is very cost-effective.

Dad suggested that if the insurance budget is sufficient, and the elderly in the family are in good health, and want to avoid the risk of disease, they can also configure critical illness insurance and million medical insurance according to their personal needs.

Elderly people work hard to raise their children, and when they are old and prone to health problems, an insurance policy may be a reassuring protection. Insurance for the elderly is difficult to buy, but if you have the heart to buy it, you can still buy good protection. Of course, as the breadwinner of the family, people should do a good job of their own security and better support their parents and children.