How much does Critical Illness Insurance for Year Old 52 cost per year? How many years do you have t

The premium varies depending on the coverage of the insured product. It's easy to understand that the more and more comprehensive coverage you have, the higher your premium. Therefore, when applying for insurance, you should consider your own needs and budget at the same time to choose the right insurance plan.

If you don't have a large budget, you can give priority to products that only cover critical illness or critical illness and mild illness, and give priority to making the sum insured sufficient; If the budget is sufficient, then the coverage can be more comprehensive, on the basis of mild, moderate and severe disease protection, you can consider additional specific disease benefits, cardiovascular and cerebrovascular disease benefits, etc., after all, the incidence of such diseases is still relatively high.

However, I would like to remind everyone that this age is not very suitable for buying critical illness insurance, because it is not cost-effective. So, how to buy insurance at this age? The details are here: How to buy insurance over 50 years old? That's the right arrangement!

There are many critical illness insurance policies on the market, and many products can flexibly choose the protection period, such as protection up to age 70 or protection up to life, the same benefit, the longer the protection period, the higher the premium. No matter what type of protection period is configured, the amount of critical illness insurance must be sufficient, otherwise the purpose of avoiding the risk of serious illness will not be achieved.

The consultants certified by Mint Insurance are practitioners who are qualified to practice with the China Banking and Insurance Regulatory Commission, and they provide services on the platform through the strict screening mechanism of Mint Bao. It aims to find high-quality professional consultants in the industry for customers and solve customers' insurance problems.

Hello. At the age of 52, buying critical illness insurance** is quite high, and the insurance amount of 200,000 is almost 10,000! The insurance is not very high just now, if my body allows, I recommend giving priority to configuring a high-end medical insurance for myself.

You asked two questions.

1. How much do I have to pay every year?

It depends on how much critical illness coverage you want to buy, the gender of the insured, age, etc. However, there is a principle that 15% to 20% of one's or family's annual income is used as a premium plan for protection insurance.

2. How many years do I need to pay?

Choose a protection type of insurance, the longer the insurance period (payment period), the better for yourself.

If you want to know more about insurance, you can also send me a private message and I will communicate with you in detail.

At the age of 50, it takes tens of thousands of dollars a year to buy critical illness insurance, or even more. However, under normal circumstances, it is not recommended for 50-year-olds to buy critical illness insurance, and the reasons I have sorted out are all in this article.

These are the things you need to know!

Critical illness insurance can be insured with a minimum of 1,000 yuan per year, and the amount of critical illness insurance can be 100,000 yuan.

There are various types of critical illness insurance, and only those that meet your actual needs, are cost-effective, and have good claims services are the first choice.

Common forms of critical illness insurance, and points to note:

1. According to the duration of the insurance: regular and lifetime;

2. The impact on other types of insurance after payment: early payment (after payment, the amount of death and other benefits will be reduced accordingly) and additional payment (death and other liabilities will not be affected);

3. Number of payments: single, two, three, four, etc.;

4. Waiving: Waiver of late premium for minor illness and waiver of late premium for critical illness;

5. Observation period: whether life insurance is the same as critical illness insurance, and some life insurance (death) has no observation period;

6. The ratio of additional benefits for individual diseases, the duration of protection, and the scope of diseases (this article is more greasy, so you must pay special attention to it). Wait.

Examples of featured products: After suffering from a minor illness with an additional 20% of the sum insured, the later premium will be waived, the death sum insured for critical illness will not be affected, and the sum insured of 100,000 yuan will be taken as an example (there are many types of critical illness insurance such as multiple payments for critical illnesses, multiple payments for minor illnesses, and other critical illness insurance to meet your individual needs).

Male 20 years payment: 0 years old 880 yuan, 30 years old 2220 yuan, 40 years old 3150 yuan, 50 years old 4600 yuan, 60 years old 5 years pay 15320 yuan.

Female 20 years old: 780 yuan for 0 years old, 1950 yuan for 30 years old, 2710 yuan for 40 years old, 3730 yuan for 50 years old, and 13370 yuan for 5 years old at 60 years old.

Exemption from physical examination: 500,000 for minors, 600,000 for those under 40 years old, and 150,000 for 55 years old.

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

At the age of 50, it takes tens of thousands of dollars a year to buy critical illness insurance, or even more. It is very difficult for 50-year-olds to buy critical illness insurance, because their physical conditions are not as good as those of young people, and the health notification of critical illness insurance is relatively strict, and it is generally impossible to buy it.

Even if you pass the health notice, there will be a limit to the amount of coverage, and the amount of coverage that can be purchased is usually very low; And because the premium is relatively expensive, it is easy to invert the premium, so under normal circumstances, it is not recommended for people aged 50 to buy critical illness insurance.

If a 50-year-old doesn't buy critical illness insurance, what kind of insurance is better? Poke here to understand: What kind of insurance is good for 50-year-olds? Why is it not advisable to buy critical illness insurance?

Hello, the ** of different critical illness insurance products will be different, the age of critical illness insurance will be limited, generally to 55 years old, you can not be insured, I recommend you to read this article: "Is there an age limit for critical illness insurance? Seniors are insured here! 》

In fact, not only critical illness insurance, but also other types of insurance have relatively strict restrictions on the elderly, and because the health of the elderly is more or less problematic.

on the Internet.

Daddy is here to teach everyone how to configure insurance for the elderly at home.

1.Life insurance is not mandatory

Life insurance protects against death or total disability, and some friends may think that it is more important to protect death when you are older?

In fact, this idea is wrong, the role of life insurance is generally to have a sum insured in case the financial breadwinner of the family unfortunately passes away or is completely disabled, so that the family can continue to operate normally.

The elderly no longer bear the burden of family economic support, so there is no need for life insurance!

Life insurance, like all insurance, is expensive as you get older. For the elderly, the total premium per minute is higher than the sum insured, so there is no need for much configuration.

Of course, except for friends who have sufficient budgets and need to inherit their property.

2.In addition to age, it is also important to care about health information

Many plans have a maximum age of 55, but there are also plans specifically for seniors with a maximum age of 80.

But this does not mean that as long as you are of the right age, you are free to take out insurance. Health notification is also an important part. And be sure to tell the truth, not to take chances. Otherwise, it is very likely that the insurance will be successful immediately, and in case of insurance, the insurance company may also refuse to pay.

3.Accident insurance and medical insurance must be matched

The elderly are inconvenient, the ability to respond in all aspects will also decline, the probability of accidents is greater, accident insurance is particularly important, and the general accident insurance health notice is relatively relaxed, ** is also more than 100 points.

The medical insurance here refers to the million medical insurance and the cancer medical insurance.

Millions of medical insurance is comprehensive, ** is not too expensive, and it is recommended to match it under the condition that the health notice allows.

In addition, cancer insurance can be used as a supplement to the million medical insurance, or friends who cannot be insured with a million medical insurance should also configure a separate one, after all, the incidence of cancer is high and the medical costs are expensive.

The cost of different critical illness insurance products is different. For example:

Critical illness insurance is actually not as expensive as imagined, and insurance consultants who have been in the industry for decades can save you a lot of money by taking you to buy critical illness "How to buy critical illness insurance is the most cost-effective? Don't jump into the pit of the predecessors anymore".

Hello, if you are around 50 years old, the premium of critical illness insurance is expensive at this time, the amount of insurance is low, and the leverage is not high. It is recommended that you choose medical insurance and accident insurance for higher leverage. After the medical insurance and accident insurance are allocated, there is spare time to consider critical illness insurance.

Of course! But after the age of 45, it will become more and more expensive to buy critical illness insurance. When your child is taking out critical illness insurance for their parents, don't buy a full range of critical illness insurance because it's not cost-effective.

You can purchase some critical illness insurance for cancer, and the ratio of the premium sum insured is generally 1:2 or 1:, and it is recommended to add the policyholder to exempt from liability.

For example, we have customized the following protection plan for 56-year-old Mr. Wang: Since people over 50 years old are a vulnerable group, they are more likely to suffer from accidents such as illness and falls. Therefore, priority is given to cancer prevention medical insurance and accident insurance.

The annual premium is not expensive, as long as 1235 yuan a year, it can protect the diseases and accidents of the elderly, which is cost-effective and comprehensive. Insurance planning needs to comprehensively consider each person's situation and individual needs, pay attention to me, and provide you with a customized personalized protection plan for free.

If you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits! 90% of the problems that people will encounter when buying insurance are related to them

It is about 10,000 yuan a year, and it needs to be charged on a case-by-case basis.

Generally speaking, the higher the sum insured of critical illness insurance, the more expensive the premium. The younger you are, the cheaper the premium; For the same age, male premiums are more expensive than female premiums.

However, how much is the annual premium, in addition to age and the amount insured, there are many factors that affect it, such as the payment period, the protection period, whether it is returned, etc., and the premiums of different products will be much different.

Critical illness insurance is based on factors such as age, gender, occupational type, type of insurance, number of years of payment, and physical condition. These conditions are indispensable. Consumers can determine the amount of critical illness coverage based on their annual income level and how much the insured's income contributes to the total household income.

For example, for people with an annual income of less than 120,000 yuan, it is recommended to choose 100,000 or 200,000 yuan for critical illness insurance.

For people with an annual income of about 120,000 300,000 yuan, it is recommended that the sum insured of critical illness insurance should reach at least 300,000 yuan. For the insured with an annual income of more than 300,000 yuan, especially the main breadwinner of the family, it is recommended that the insurance amount can reach 500,000 yuan to ensure that the quality of life of the family will not be seriously reduced due to illness.

A 30-year-old man insures 500,000 yuan, pays it for 30 years, and guarantees it for life, without death, the premium is about 6,000 yuan.

This is the majority of critical illness insurance with a sum insured of 500,000 in the critical illness insurance market**, and it is cheaper for women to insure than for men.

We can choose the sum insured of critical illness insurance according to our own situation, so how much is the appropriate amount of insurance? Look here to know: "How much coverage is appropriate for critical illness insurance?" Which company is the most cost-effective to buy critical illness insurance? 》

It is more expensive to buy critical illness insurance at the age of 48, because you are older, if you buy a product that protects you for life, such as Super Mario No. 5 Critical Illness Insurance, with an insured amount of 300,000 yuan, the premium is paid in 15 years, and you get about 13,000 a year.

Although critical illness insurance premiums are relatively expensive, its role is very large. The biggest role of critical illness insurance is to make up for the loss of income, if you have a critical illness, the cost is generally more than 200,000, and the medical expenses can be reimbursed through medical insurance and medical insurance, but the cost of the later stage, medical insurance does not care.

A critical illness generally takes 3-5 years, during which the expenses and loss of income due to illness need to be compensated by critical illness insurance.

At the age of 48, although the child has grown up, he still shoulders the financial burden of the family, and if he suffers from a major illness, then the family will fall into financial difficulties. That's where critical illness insurance comes in.

Insurance cannot avoid accidents, nor can it affect our birth, old age, sickness and death, but it can reduce the financial impact caused by illness and accidents, and reduce the financial burden for ourselves and our families. Buy insurance remember these do not suffer, first adults and then children, parents are the economic pillars of the family, the safety of parents is the premise of the healthy growth of children, if they are not fully protected, the protection of children is impossible to talk about, first planning and then products, buying insurance is a comprehensive configuration process, most of the products are not good or bad, before buying need to fully consider the basic situation of individuals and families, choose the right insurance, first protection and then financial management, the main purpose of insurance is to obtain comprehensive and adequate protection, not financial managementWhen buying insurance, first do a good job of basic protection for accidents, critical illnesses and other situations, and if you have extra money, you should consider the allocation of financial insurance, and the premium should be controlled between 5% and 20% of the annual income, because you also need to consider later job changes and renewals and other issues.

The cost of buying critical illness insurance for a year at the age of 48 is about three or four thousand yuan, which depends on the amount of insurance you buy.

48 years old is not suitable for buying a critical illness, the amount is not the same, the money is not the same, it is better to buy a medical insurance.

Summary. Dear, the compensation standard of critical illness insurance is mild illness: 20%-45% of the sum insured, such as 500,000 yuan, 100,000 yuan.

If it is a critical illness and meets the claim requirements, the sum insured will be paid directly, and if the occurrence is death or total disability, the premise is that the critical illness insurance purchased has this responsibility, and some provisions are based on the paid premium, then the premium will be paid; If there is a specified amount of compensation, then the amount of compensation will be paid; If there is a provision that the highest premium paid, cash value or sum insured will be compensated, then the highest of the three at that time will be compensated. <>

How much does it cost to buy critical illness insurance at the age of 50 a year?

Kiss, <>

I am glad to answer for you that there are two types of critical illness insurance to buy at the age of 50 for a year: 1. Lifelong protection: 9588 yuan for men and 7950 yuan for women; 2. Guarantee for 70 years old: 5,046 yuan for men and 3,750 yuan for women. <>

"Critical illness insurance is critical illness insurance, when the insured suffers from a critical illness agreed in the contract and meets the claim standard, the insurance company will pay the insured amount agreed in the contract. <>

Dear, the compensation standard of critical illness insurance is mild illness: 20%-45% of the sum insured, such as 500,000 yuan, 100,000 yuan. If it is a critical illness and meets the claim requirements, the sum insured will be paid directly, and if the occurrence is death or total disability, the premise is that the critical illness insurance purchased has this responsibility, and some provisions are based on the paid premium, then the premium will be paid; If there is a specified amount of compensation, then the amount of compensation will be paid; If there is a provision that the highest premium paid, cash value or sum insured will be compensated, then the highest of the three at that time will be compensated.