Buy insurance for your mother, want to buy insurance for your mother, what to buy

If the mother is still bearing the financial responsibility of the family, then, term life insurance is also a necessary insurance. In addition, when choosing an insurance product, it is best to choose an insurance product with a wider age range. Here is an insurance strategy, you can collect it:

What is the insurance for the elderly, what insurance is good for your parents, you need to know these things.

If you want to buy insurance for your mother, these types of insurance must be well configured.

The first is cancer insurance.

Once the insured is diagnosed with cancer, as long as the claim conditions are met, the insurance company will make corresponding compensation, and the insurance money paid can provide the mother with physical therapy and post-recuperation financial support. If you want to know more about cancer insurance, remember to check out the following article: What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

At this time, some friends may ask, why do you buy cancer insurance instead of critical illness insurance? Because 50 years old is already close to retirement, physical fitness is far less than before, and with such "old diseases" such as high blood pressure and diabetes, it is difficult to inform the health of critical illness insurance, and even if it passes, there may be a situation where the premium is inverted, so it is more recommended to buy cancer insurance to protect your mother.

The second is medical insurance.

Medical insurance mainly solves the reasonable and necessary expenses incurred by hospitalization, not only the coverage is relatively complete, but also the upper limit of compensation is relatively high, which can well solve the problem of hospitalization and high costs, plus some products also add value-added services of green channels, so that mothers will no longer have "difficult to seek medical treatment" when they see a doctor.

Finally, there is accident insurance.

Accident insurance can be said to be an insurance product that should be configured for every age group, mainly to protect personal injury caused by external, sudden, unintentional, and non-disease accidents.

Whether it's a fall and a broken bone, a scald burn, or a car accident, most of the time you can use accident insurance to cover it. Not only that, usually accident insurance is cheap, dozens or hundreds of dollars can enjoy a high amount of insurance, and the leverage is relatively strong.

You're a good boy.

Seeing that you are so serious, I will tell you everything I know.

To put it simply, you can't take out insurance (buy insurance) if you are sickIf you want to vote, you must have additional terms.

If there is no additional clause, the illness caused by the original illness will not be compensated.

If there are additional clauses, they will be repeated according to the content of the contract. (This is commercial insurance) commercial medical insurance: reimbursement medical insurance and compensation medical insurance.

Reimbursable medical insurance (general medical insurance) means that the insurance company reimburses the medical expenses incurred by the patient in the hospital. Generally, there are outpatient medical insurance and inpatient medical insurance.

Indemnity medical insurance (special medical insurance) means that the patient is clearly diagnosed by the hospital with a certain disease listed in the contract, and the insurance company pays the patient** and care according to the amount agreed in the contract. Generally, there are two types of critical illness insurance (such as cancer insurance) and critical illness insurance (10, 20 and 30 types of critical illness insurance).

Your mother doesn't have a job, and it's not easy to get social medical insurance, so if only you unilaterally bear it, the burden is too great.

Medical insurance is a kind of social security system that provides medical services or economic compensation by the state or society when people are sick or injured.

You can buy a health insurance card and get some medical expenses covered.

Commercial insurance is too expensive. Let's think about national welfare.

The above is very detailed You can take a look.

CET-8 for English majors; 10 years of technical translation in the field of aviation and automotive; Foreign Enterprise Affairs Manager; He has worked in Bombardier, Siemens and other Fortune 500 companies; Minya Senior Broker; Insurance consulting services have been provided for 300+ families), more insurance questions can be answered.

How old is Mom? How is your health?

If you are over 50 years old, in good health, and have no physical examination records, or have a physical examination but no abnormality, it is recommended to choose one million medical insurance or mid-to-high-end medical care for your mother, with high leverage and wide coverage, which can effectively solve the risk of disease.

In the case of critical illness insurance, the premium will be relatively higher at this age, but it is already the maximum age to apply for critical illness insurance, so it is recommended to increase it if the budget is sufficient.

If you have health abnormalities, or you are older, it is recommended to choose cancer insurance, although it only covers cancer, but cancer is the most common critical illness, it is still necessary.

Regardless of age and health, it is advisable to take out accident insurance.

You can also plan endowment insurance for your mother, and having a rich life in old age is also a kind of care for your mother.