Want to buy an insurance for your parents, but don t know what to buy Medical Insurance or Critical

If your parents are older, you can buy medical insurance, accident insurance and cancer insurance, but as for critical illness insurance, the insurance will be more restricted, so you can ignore it.

1.Medical insurance

Once the elderly are old, they are easily attacked by diseases, and it is very common for them to be hospitalized when they are sick, so it is very important to buy a medical insurance for the elderly.

Medical insurance can reimburse the cost of hospitalization** for the elderly, saving families a lot of money.

2.Accident insurance

No one can guarantee that accidents will not happen to themselves, not to mention that the elderly are a high-incidence group of accidents, and the consequences of accidents for the elderly are more serious, in order to resist the risk of accidents for the elderly, it is necessary to buy an accident insurance for the elderly.

3.Cancer insurance

Due to the older age of the elderly, the body will more or less have some health problems, and the underwriting of critical illness insurance is relatively strict, so it is difficult for the elderly to buy critical illness insurance (as much as possible), cancer insurance, as a better alternative to critical illness insurance, can be said to be a product designed for the elderly. "Parents' cancer insurance is bought like this, the most heartfelt".

There are two thresholds for buying insurance, one is health and the other is age. So what should we pay attention to when buying insurance for our parents? How should I fill in the health notice? Welcome to click**View! For more insurance or social security related issues, you are welcome to pay attention to Deep Blue Insurance

Live within your means, preferably both.

If your parents are 50 years old and have the financial means to do so, buy critical illness insurance, as well as medical insurance, especially medical insurance that can reimburse both social security and medical expenses outside of social insurance.

If your parents are between the ages of 55 and 60, you should buy medical insurance, which can reimburse both social security and medical expenses outside social insurance.

If your parents are between the ages of 60 and 65, first see if there is any medical insurance that can reimburse both social security and non-social security drugs, and if not, you can buy cancer insurance.

The principle is that priority is given to medical insurance that can be reimbursed both inside and outside the social insurance, and if you can't buy it, you can buy cancer insurance instead.

Regardless of whether the parents are in the countryside or in the town, there must be urban and rural medical insurance, and there is not much money every year. In this way, in case of insurance, urban and rural medical insurance can also reimburse a part, and at the same time, if you have urban and rural medical insurance, you can buy medical insurance in commercial insurance, and the premium will be much cheaper than that without urban and rural medical insurance.

Personal advice, be sure to have accident insurance.

As people age, they are more likely to have accidents than younger people, in addition to their health deteriorating.

If your parents can drive or travel a lot, you should have accident insurance.

Many insurance companies have that kind of accident card, which is very cheap, bought once a year, and some have a maximum insurance age of 80 years old. Find out more.

Plan your own coverage.

As parents get older, their earning power decreases.

Although there is a pension pension, it is only enough to live on the premise of good health, and if the conditions are good, life is slightly better.

However, in case a family member is sick or unfortunately seriously ill, in addition to spending a lot of money on his own, parents also have to take out money from their pension or pension to support their children**.

Hospitalization and accident medical treatment, less than 1,000 yuan can be bought, depending on your economic conditions, if you want to report more, you can buy more.

At this age, the insurance company has a strict review, and may have a physical examination, be psychologically prepared, and you can underwrite at a normal price if you have no physical problems.

Critical illness insurance, this age is very expensive, and the amount of insurance will not be very high, depending on your economic conditions.

Pay attention to the following points when buying insurance for your parents: never buy life insurance for your parents; Buy the consumption type, not the return type. The more cost-effective choice is: give priority to million medical insurance and accident insurance, and choose cancer insurance if you can't buy million medical insurance.

To buy insurance for parents, it is recommended to give priority to parents to insure a rural cooperative medical care, although the protection is not much, but it can solve the medical problems of most of the elderly.

After improving the rural cooperative medical insurance, we should consider supplementing the parents with a commercial medical insurance. However, when purchasing commercial medical insurance, it is best to choose the one that suits them according to the actual situation of the parents.

Children can buy insurance for their parents.

At this time, the age of the parents is generally over 50 years old.

Some medical insurance can be purchased, especially hospitalization medical insurance, because the elderly in this age group are more likely to have their own diseases than other groups, especially some serious illnesses that require hospitalization**.

At the same time, it is also necessary to purchase accident insurance. Because the probability of accidental injury in the elderly is higher than that of other age groups, especially in traffic accidents, accidental falls, fires and other accidents that cause more serious injuries to the elderly, accidental injury insurance should also be an important choice for the elderly to purchase insurance.

First improve the new rural cooperative insurance for the elderly, and then apply for accident insurance, you can get good accident protection for 100 yuan per year. As for critical illness insurance, it is also needed. However, after the age of 45, you need to have a physical examination, and if your physical condition is not good, it will be affected. This is discretionary.

Hello! Yes, as you get older, your body becomes more and more unwell, so it is important to buy insurance, especially critical illness insurance, as early as possible. They are not yet 50 years old and can still buy; Ping An's outwitting life is more cost-effective; You can refer to my case reference: a 48-year-old lady pays 4,000 yuan on a regular basis.

A 52-year-old lady is safe and outsmart the Life Comprehensive Protection Plan.

You're quite filial. I am very fortunate to know you, peace and all right for your father. Feel free to communicate.

Critical Illness, Whole Life Insurance, Hospitalization Allowance, Hospitalization Medical.

Rural medical insurance.

Commercial insurance depends on your premium budget.

Parents insurance is the first choice of millions of medical care, you need to know more about the health of the parents, and if necessary, you can also submit information for underwriting. Super cost-effective insurance nod contact

I am sincerely moved by your filial piety, and I am also willing to help you, but according to my knowledge of commercial insurance, I am sorry to tell you that you had better not buy any medical + participating commercial insurance for the elderly.

There are two reasons for this:

First, according to the relevant laws and regulations of our country, for the insured (you and your lover's parents) insurance reimbursement needs the original invoice voucher (as long as the original invoice), here is not to say that commercial insurance will no longer be reimbursed after social security reimbursement, but for the part of social security that is not reimbursed and then calculated and reimbursed, obviously such insurance regulations are not cost-effective for people who participate in multiple insurances, of course, such provisions are to eliminate the role of the insurer to obtain excess insurance amount, and the law stipulates that.

Second, if you are an elderly person who participates in medical insurance, you need to carefully read the terms of the insurance contract, do not believe in the dividend rate out of thin air, and calculate whether the monthly payment and the final income can be unified. Of course, it depends on which insurance company's medical insurance (there is a special agreement for "terminal illness" of critical illness under special circumstances).

In short, it is very good that you have filial piety, let the elderly participate in social medical insurance, pay more attention to the health of both parents every day, and go home more to see so that the elderly can eat and drink well and feel comfortable. In addition, social commercial insurance is for the purpose of profit, is the majority of people to participate in the insurance with everyone's money to help a few unfortunate people, in the end the insurance company is to do good deeds but also make enough money, recognize the essence of insurance.

It's hard to buy at this age what you're asking for. It is to buy critical illness insurance, at this age of 100,000 insurance amount of at least 8,000 yuan per year, less than 10 insurance amount to buy meaningless. The reimbursement ratio of social security is still quite high, and it can generally solve medical problems.

My dad has been hospitalized for the past few days, and when he saw that the reimbursement rate was 96%, he immediately felt no pressure.

Of course, it is necessary to buy critical illness insurance. Critical illness insurance is necessary for most people to buy, because the risk of critical illness is high, the cost is relatively expensive, and it can delay economic income, and critical illness insurance can play a role in transferring the risk of economic loss caused by these risks.

Critical illness insurance refers to the commercial insurance behavior handled by the insurance company that pays the insurance money according to the insurance contract when the risk of specific critical illness, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., occurs and the insured reaches the status of critical illness as agreed in the insurance clause.

Many people are worried that if they buy critical illness insurance, if they don't have it, won't they waste their money? Because of this market demand, "return-type critical illness insurance" has been derived, but is it really good? If you want to know, you may wish to take a look at this article:

If you are sick and you are cured, you will be returned if you are not sick, and the return-type critical illness insurance that everyone loves to buy is so pitted!

Critical illness insurance is also known as financial compensation insurance. It can compensate for the loss of income after suffering from a major illness, the long-term expenses in the later stage, and the various expenses that cannot be reimbursed by hospitalization, and may not change the life of the family from the disease. To put it simply, the core of critical illness insurance itself is to solve problems beyond medical expenses.

The main function of insurance is to transfer risks, so that we can feel more secure in the face of unknown risks. If you don't know what products you should buy, you might as well take a look at the following article to see what you and your family need to configure at a glance:

How to buy insurance for different age groups? Everyone should have their own plan to celebrate

So how should we buy critical illness insurance?

1. The sooner you buy, the better.

Nowadays, the incidence of critical illness is getting younger and younger, and the older we get, the greater the risk of disease. The sooner you buy, the better your health, the easier it will be for the insurance company to accept, and the premiums will be relatively cheaper.

2. Order of purchase.

Adults first, then children; Breadwinner first, family members second.

3. Term selection.

It is recommended to give preference to lifelong products, and if the financial strength is limited, it is recommended to purchase short-term consumer products with insurance, and then choose lifelong products after the conditions are sufficient.

In addition to the points mentioned above, there are many factors to consider when choosing critical illness insurance, and if you want to know more about it, you may wish to take a look at this article:When buying insurance, you need to pay attention to these when buying critical illness insurance!

Hope!