I want to buy insurance for my parents, my father is 51 years old, my mother is 50 years old, what k

If you want to buy insurance for your parents around 50 years old, the senior sister recommends buying accident insurance, critical illness insurance and million-dollar medical insurance.

If you are in a hurry, you can take a look at this article directly: Which insurance is suitable for you to buy when you are about 50 years old?

1. Accident insurance.

Generally speaking, parents are older, their physical fitness and reflexes are not as good as those of young people, and they are also prone to various accidents. Therefore, it is also necessary to purchase an accident insurance. There is now an accident insurance specially developed for the elderly, and some products can also reimburse the cost of fracture hospitalization.

The ** of general accident insurance is also relatively close to the people, and it is recommended to buy an accident insurance for both parents.

2. Critical illness insurance.

We all know that if you unfortunately suffer from a serious illness, the medical expenses of hundreds of thousands or even millions are enough to plunge an ordinary family into a huge economic crisis. Critical illness insurance is an insurance for critical illness protection, and if you fall ill during the coverage period and meet the conditions for claims, the insurance company will pay a sum of insurance benefits.

Moreover, this insurance money is not limited to use, which can be used not only for **, but also to make up for the economic losses during illness and alleviate their own financial burden. If you want to choose a suitable critical illness insurance for your parents, you may wish to take a look at this article: Top 10 Popular Critical Illness Insurance Points Worth Buying!

3. Million medical insurance.

People around the age of 50 will have a decline in physical function, and may often go to the hospital, and serious illnesses are likely to come to the door.

Million medical insurance can reimburse reasonable and necessary expenses, with premiums of hundreds or thousands of yuan, but the reimbursement amount can reach up to several million yuan. Therefore, buying a million-dollar medical insurance for parents can effectively reduce the financial pressure on the family due to the cost of serious illness.

It is better to have critical illness insurance, medical insurance, and accident insurance for parents around the age of 50.

The probability of a person suffering from a critical illness in a lifetime is very high, and the probability of critical illness will gradually increase as they age. Therefore, it is necessary to purchase a critical illness insurance policy to transfer the financial loss caused by the unfortunate suffering of the insured.

At the same time, the senior sister also compiled an insurance purchase guide for everyone, and those in need can collect it: what is the insurance for the elderly, what insurance is good for parents, you need to know.

Hello, I can see that you are very filial. Your parents are already in the senior group and are prone to accidents and health risks in their lives, so it is recommended to buy certain types of accident and health protection insurance for them, such as accident insurance, consumer-based health insurance and critical illness insurance. At present, there is insurance suitable for older people on the market, you can compare and choose insurance companies according to the actual situation of your parents, or you can refer to this link.

What kind of insurance should I buy for my parents).

Don't enroll in critical illness insurance, which has high premiums and low sum insured. Parents between the ages of 50 and 65 opt for million-dollar medical insurance. The sum insured of about 1000 can reach 3 million. It can reimburse medical expenses inside and outside social insurance. The sum insured of 2 million for those over 60 years old is also more than 1,000.

How should parents over the age of 55 buy insurance?

50-year-old parents' physical function is gradually declining, we need to buy an insurance for them to escort, the elderly do not know how to choose? You might as well take a look at this article first:What are the insurance for the elderly, and what insurance is good for your parents, you all need to know

1. What types of insurance should be configured for parents?

1. Cancer prevention medical insurance:According to statistics, malignant tumors account for about 70% of the claims for critical illness, and the older you get, the higher the risk of developing the disease! As the name suggests, cancer medical insurance only protects cancer, although the scope is not large, as a better way to protect cancer, there is still a need for configuration, and the health notice is relaxed, the insurance age range is large, and the premium is not expensive, it is an ideal alternative to critical illness insurance, cancer prevention medical insurance has recently been listed in many paragraphs, I want to know how to choose the right one?

Suggested take a look:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

2. Accident insurance for the elderly:If parents over the age of 50 are retired, they are likely to help take their grandchildren or go dancing and climbing mountains in their spare time, and they are more likely to encounter accidents such as falls, strains, and sprains.

Second, the specific product plan recommendation

The plan is configured for parents over 50, let's take a look at the details:

1. Good medical insurance for cancer preventionHealth notice is relaxed, the biggest highlight is the 6-year guaranteed renewal, if the parents' health is average, this is a good choice, this good medical insurance cancer prevention medical insurance** has certain advantages, you can consider, but there are more cost-effective cancer prevention medical insurance on the market, you can take a look at this first:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

2. TalismanThe sum insured is high, the maximum amount of insurance can be 1 million, the amount of sudden death insurance is 1 million that is consistent with the amount of accidental death and disability, and the amount of accidental medical insurance is 100,000.

Parents over the age of 50 buy insurance, generally consider these:1Medical insurance, if the parents have some physical problems and do not meet the insurance requirements of medical insurance, cancer prevention medical insurance can also be used as an alternative; 2.

Cancer insurance, because it is not cost-effective for parents to buy critical illness insurance, cancer insurance is generally used as a supplement; 3.Accident insurance, remember to be sure to include accidental medical liability.

After parents reach the age of 50, it is inevitable that the safety and health conditions will not be worried.

At this time, it is very necessary for us as children to buy an insurance policy for our parents.

How should I buy this kind of insurance?

The first is accident insuranceAs parents get older, the risk of accidental falls and injuries will increase, and accident insurance has low premiums, low thresholds, and high protection, which is the first choice.

This is followed by million-dollar health insurance, it has a moderate premium and can be a good supplement to medical insurance.

Finally, there is critical illness insuranceUnder the premise of sufficient budget, there is more protection.

How do parents over the age of 65 choose insurance?

The one downstairs is still an enterprise number, and it is also a blind answer, talking on paper.

The premium of critical illness insurance for those over the age of 50 is upside down, and the premium paid is greater than the sum insured.

Moreover, 50-year-olds will have physical problems to a greater or lesser extent, so there is no need to consider critical illness insurance, just buy cancer insurance. Cancer accounts for two-thirds of critical illnesses, and cancer insurance** is much lower than critical illness insurance.

In addition to cancer insurance, with medical insurance and accident insurance, the problem is solved with 350000 per year.

1. According to your consideration (this is also the value of insurance, it is to effectively solve your worries), critical illness insurance, additional hospitalization medical insurance and accidental injury medical insurance. The focus here is on critical illness insurance, on the one hand, this part of the sum insured is relatively large, and the other is the main part of the premium, for the adjustment according to the economic ability, there are basically two ways, one is to adjust the sum insured, the other is to adjust the protection period, such as changing the lifetime protection to regular protection, which has a great impact on the premium;

2. About the physical examination, there is nothing, and the insurance company's physical examination does not need to cost, it is very good to do a physical examination, after the physical examination, if there is a problem, the insurance company does not underwrite, and the entire premium will be refunded, if you need to add an additional fee, you do not agree, it is also refunded.

1. Children can buy an accident insurance for their parents, generally a one-year accident insurance premium is about 100 yuan, the insurance amount is 100,000 yuan, the maximum insurance age of such products can generally reach 75 to 80 years old, for the elderly due to accidental injuries caused by high disability, fractures, joint dislocations, burns, major surgery, etc., to provide higher insurance protection, insurance companies pay up to 70,000 120,000 yuan.

2. If it is a family with a relatively high income, relatively stable and high assets, you can also buy whole life insurance for your parents in advance, and the beneficiary can receive the insurance money whenever the insured dies after applying for insurance.

Hello! Parents have worked hard all their lives, as children, after they have a certain economic strength to buy the right insurance for them to improve their protection is the embodiment of filial piety, in order to improve the protection of parents who are almost 50 years old, it is necessary to build a comprehensive insurance plan for them in a timely manner.

What should I buy insurance for my parents who are almost 50 years old?

1.Due to the elderly, the body is not as flexible as before, and the risk of accidental bumps is relatively large, and the resulting accidental medical expenses are not low, so it is recommended that you give priority to products with accidental medical protection when applying for elderly accident insurance.

2.The elderly are more likely to have the risk of accidental fractures due to their indexterity of legs and feet, so it is recommended that you give priority to products with accidental fracture protection when you apply for accident insurance for two elderly people.

To buy insurance for your parents who are almost 50 years old, it is recommended that you combine the specific accident protection needs of your parents to make a comprehensive comparison and selection.

50-year-old parents buy insurance, there are also more options, buy insurance for parents, generally speaking, the first choice is: accident insurance, cancer insurance, medical insurance, cancer medical insurance, critical illness insurance. Pension insurance is not recommended, because pension insurance is strictly a financial insurance, and there are three conditions if you want your wealth to grow up:

Profit, time, compound interest. The first is that you don't have enough time, and you can't play a role in providing for the elderly. In general, parents do not have too many family responsibilities, so it is natural to avoid medical expenses caused by accidents and diseases.

If the parents can be informed by their health, the first choice is the million-dollar medical insurance, and if the physical health is not very good, cancer insurance is also a good choice.

When choosing accident insurance, please pay attention to the responsibility of accidental medical treatment, the accident insurance amount is not our focus, and the accident insurance amount can be lower; However, the sum insured for accidental medical treatment can be a little higher. After the age of 50 of critical illness insurance, the total premium and sum insured of savings critical illness insurance will be inverted, and the leverage ratio of the total premium and sum insured of consumer-type critical illness insurance is not very high. Recommendations for the order in which parents purchase insurance:

Accident Insurance, Hospitalization Medical Insurance, Cancer Insurance, Cancer Medical Insurance, Critical Illness Insurance. Many of the parents who are insured are because of health abnormalities, and a version of the plan for health abnormalities is specially made. Same insurance products, same protection responsibilities:

Low premiums, high sum assured, and wide coverage. This is the only way to buy insurance products.

Priority can also be given to the possibility of participating in national policy-based pension insurance. In the past, when the endowment insurance was just starting, especially when the rural social security was just starting, it seemed that there was a one-time payment of how many years of expenses were considered continuous insurance, and the previous endowment insurance could be paid at one time, so that the insured could meet the minimum number of years of continuous social security payment before retirement. However, if you don't know if there is a policy in this regard, you can go to the place where your parents' household registration is located and ask the local social security management department.

If there is, then enroll, this is the most suitable.

I think it's best to buy critical illness insurance and wealth management insurance for your parents, so that you can give your parents more comprehensive protection.

Commercial serious illness medical insurance, the elderly at this time basically have a little bit of a small physical problem. It takes a lot of money to see a doctor without social security, and commercial critical illness medical insurance can solve the financial pressure caused by illness.

I think it's best to buy critical illness insurance, after all, the elderly are more likely to get sick, so it can reimburse a lot of medical expenses.

I think it's appropriate for parents in their 50s to buy health insurance for them.

Because. There are two major risks in life, illness and accident. Our basic insurance is critical illness insurance, accident insurance, medical insurance, and all three.

If the parents in their 50s say that they buy critical illness insurance, they generally pay a premium higher than their insurance amount, so this is not cost-effective.

Accident insurance covers accidents. Although it is inevitable that our parents are old, prone to osteoporosis, wrestling, etc., these are generally relatively small places, and if they are serious, medical insurance can handle them. And this insurance is also calculated according to age, and the premium is also very high.

Also not recommended. The biggest concern we are about our parents being old, and the high cost of hospital due to illness or falling makes us stressed.

So we should buy health insurance for parents in their 50s. In terms of medical insurance, the amount of his insurance is very high, and the premium is also very low. Insured for 6 consecutive years, the premium for 6 years remains unchanged and is up to 4 million insured, only more than 1000 150 a year, this is a 55-year-old parent.

And the scope of its coverage is illness, and accidents are covered in it. There is no distinction between illness and accident. As long as the remaining social security reimbursement is reimbursed, except for the deductible of 10,000 yuan, the rest is 100% reimbursed.

Imported drugs and self-financed drugs are included.

Whether it is ourselves or our parents, we should have a medical insurance to avoid accidents or illnesses. Selling cars and houses because of medical expenses, and even saying that all his savings would be spent in the hospital. After decades of hard work, an illness or an accident can go until before liberation, but with an insurance policy, this kind of thing will not happen to him.

Now as long as we are able to maintain our basic life. They will choose to buy enough insurance for themselves and their families to avoid risks. Passing on the financial impact of the risk to the insurance company.

Of course, our health and safety are not the best, and we were not afraid of 10,000 at that time. If we use it, we won't put a lot of financial pressure on us, and if we don't use it, we will use it to help others. Welcome to consult me about insurance, and I will try my best to give you professional advice.