What insurance is suitable for 55 year old people to buy in Chinese life

The premise of buying commercial insurance is to go to social security first. If the social security has not been paid, or the payment has been interrupted, it must be paid first. Social security is a very important national welfare, and it is also the basis for many commercial insurance, so whether you decide to buy commercial insurance or not, it is important to improve it first.

Commercial insurance, give priority to the purchase of accident insurance and medical insurance (need to comply with health notice), insurance is a financial tool we use to pass on risks, the greater the leverage of the premium insurance amount, the more obvious the effect of risk aversion. The specific configuration ideas are as follows:

1. Million Medical Insurance:Low**, with a deductible of 10,000 yuan, reimbursement of general wards in public hospitals above the second level, some imported drugs cannot be reimbursed, passing on larger medical expenses, recommended reading: Top 10 million medical insurance rankings are newly released.

2. Accident insurance:At the age of 50, due to the decline in physical and mental state, reflexes, agility, and physical functions are much worse than before, and the probability of accidents is much higher than that in young adults, it is necessary to configure accident insurance.

3. Critical illness insurance:If you are 50 years old and in good health, it is recommended to consider a pure critical illness insurance that is consumption-based and does not include life insurance liability, and the coverage period can be 10 or 20 years. Savings critical illness insurance with life insurance liability is not recommended because the sum insured and the premium will be very close, and the older you go, the premium will even be upside down, which will lose the meaning of buying insurance.

The above is just the general configuration idea of buying insurance for the elderly, the specific product screening needs to be combined with the budget, the health status of the parents and the family risk gap comprehensive consideration, the senior sister will summarize these contents into a strategy, friends who want to configure insurance for their parents must see: what is the insurance for the elderly, what insurance is good for parents, you need to know

Finally, the senior sister also wants to remind two sentences, you don't need to take your parents to a physical examination before buying insurance, don't check out some problems at that time and you can't buy insurance.

Chinese Shou Da Ruixin takes care of serious illness, accidents, financial management, pension, six gold in one, very suitable for the elderly.

Cancer insurance for the elderly, medical examination is required at this age.

See what you need? Sickness insurance is also financial pension.

Darui Xinbao is more comprehensive and suitable for middle-aged and elderly people.

Accident & Accident Medical, Inpatient Medical.

Sunshine Insurance has an exclusive cancer insurance for the elderly, with high insurance age, no physical examination, and premium rebate.

Dear customers, hello. You just happen to be able to buy a critical illness, you can't wait any longer, I'll give you a plan.

Hello, pension financial insurance is the most suitable, you can add or call to learn more.

A safe outwitting life can be considered.

Hello, what needs protection is still financial management.

Hello, you can consider Xinfu every year.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceCritical illness insurance, medical insurance and accident insurance are important for those between the ages of 0 and 20

How do I buy insurance for someone under 20 years old? Before college, you are in the period of physical and mental growth and development, and it is inevitable to get sick during the growth process, so you must configure a medical insurance; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

People between the ages of zero and 30 choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, the spirit is good, is the future of parents, the hope of the family, but also to face the pressure of survival, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the total cost will not be too expensive, a month is only a few dozen, it can be considered, in line with this age group of friends can read the answer of the senior sisterA trick to teach you to buy a cost-effective business insurance for your 20sYou can take a look at this article.

People in their 30s to 50s are recommended to consider critical illness insurance, life insurance, accident insurance, and medical insurance first

How to buy cost-effective insurance in your 30s? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; In the unfortunate event of an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

As for how to choose the right insurance, don't spend too much money, the key is to choose the right insurance product.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

The insurance allocation of the 50-year-old is mainly "critical illness + medical + accident", but the premium of critical illness insurance is more expensive, depending on the personal budget choice. If you want comprehensive protection, you can choose cancer insurance to pass on the risk of cancer, and then combine it with medical insurance and accident insurance.

Buying Chinese Life Kangning Universal, both to protect against serious illness and accidents, let me get older and more valuable

Ruyi accompanied the winner! The perfect combination!

1 health insurance, 2 accident insurance, 3 cancer insurance, 4 financial management can be, depending on which part you pay attention to.

Buy cancer insurance, China Taiping's silver hair worry-free payment is low and good protection. The value of your consideration.

Chinese Shou's "National Life Fu".

Xinfu winner, financial management ten accident protection, only pay five years, ten years to return the principal.

Hello! I am from China Life Insurance, and I think that at our age, we should first consider buying health insurance (that is, medical insurance), and secondly, we should follow our ability to buy financial insurance (that is, pension insurance)!

Critical illness, accident, and medical treatment can all be bought.

At the age of 50, you have to buy a critical illness, an accident, and a pension.

Health and pension must be considered, and it is an accident.

Taikang Health is 100% protective for you for decades to come.

Cancer insurance has low premiums, high coverage, and no medical examination.

Buy according to health first, buy after retirement.

Hello! Health first, then retirement.

Hello: Ping An Universal Insurance is also very good.

You can buy Taikang's comfortable life. 72 diseases.

Wealth Management Products! Accident Insurance! There is also cancer insurance.

At the age of 50, you can buy cancer insurance for the elderly.

Regarding what critical illness insurance is better to buy at the age of 55, here is to talk about it separately.

If you are in good health and do not have three highs or chronic diseases, there is still room to buy critical illness insurance, and it can be matched with millions of medical insurance and accident insurance, because the elderly osteoporosis is easy to fall, it is best to buy an accident insurance in case you need it from time to time.

If you have three highs, because of physical reasons, most of the critical illness insurance can not be purchased, and it is better to choose a Chinese life cancer prevention insurance or cancer prevention medical insurance.

The more recommended here is the China Life Fu series and the China Life Corning series, which are the main series of products of Chinese Life, the China Life Celebration Edition, you can pay one year less premium, compared with the previous old model, the number of diseases has made great changes, the number of critical illnesses has reached 120, the number of minor illnesses has increased to 60, you can attach long-term care medical insurance, renewal conditions are also good.

The Corning Insurance A B model in the China Life Corning series is also good, the Corning Bao product belongs to a relatively single return-type critical illness insurance, A only covers 120 kinds of critical illnesses, and B section protects 120 kinds of critical illnesses + 60 kinds of mild diseases, which is cost-effective and returns to the protection attributes.

What types of Chinese life critical illness insurance insurance?

Chinese Life Insurance Critical Illness Insurance includes China Life Welfare Ultimate Edition, China Life Welfare Supreme Edition, China Life Corning Lifetime Supreme Edition, China Life Corning Whole Life Critical Illness Insurance, China Life Kangai Malignant Tumor Disease Insurance Product Portfolio, China Life Long-term Care Hospitalization Fixed Benefit Medical Insurance, China Life Long-term Care Hospitalization Fixed-term (2013 Edition) (Section B), China Life Long-term Care Hospitalization Expense Compensation Medical Insurance, China Life Furui Ankang Insurance Product Portfolio (Premium Version), etc.

55 years old is suitable for buying millions of medical insurance, cancer insurance, accident insurance.

a) Million Medical Insurance.

Medical insurance is a supplement to medical insurance, and medical insurance can reimburse imported drugs and special drugs that cannot be reimbursed by social insurance. Middle-aged and elderly people with slightly poor physical fitness often go to the hospital because of various discomforts, and the medical expenses incurred can also be reimbursed by medical insurance. This can effectively alleviate the pressure of high medical expenditure, and is very friendly and practical for middle-aged and elderly people.

2) Cancer prevention insurance.

There is also a special situation, middle-aged and elderly people with poor physical condition, such as middle-aged and elderly people with three highs and diabetes. Cancer insurance with more relaxed health requirements can be considered. Cancer medical insurance only covers cancer, but cancer accounts for 70% of critical illness claims.

3) Accident insurance.

The liability of accident insurance is accidental death, accidental disability, and accidental medical treatment, that is, it can compensate for the medical expenses incurred due to the accident. Moreover, the minimum annual premium of accident insurance is only a few tens of yuan. It is quite affordable, and at the same time, it can also help the elderly resist some unknown risks.

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

Chinese Life has a wide range of insurance products, including critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, and comprehensive insurance. If the 55-year-old is from the perspective of protection, it is recommended to apply for critical illness insurance, million medical insurance, life insurance and accident insurance.

Let's talk about the reasons why the 55-year-old group is equipped with the above insurance, not much to say, just go straight to the dry goods!

1. Critical illness insurance.

At the age of 55, the physical function of the population gradually declines, and the possibility of suffering from serious diseases is relatively high. Once the disease occurs, huge medical expenses and ** expenses, it is very likely that difficulties will crush a family.

For example, critical illness insurance can transfer the economic risk caused by critical illness, and the insurance money it pays can solve the loss of income during the illness, the later expenses, the living expenses of the family, and so on.

2. Million medical insurance.

Million medical insurance can break the restrictions of the upper limit line and the scope of the medical catalogue under the medical insurance, and reimburse the reasonable medical expenses after deducting the deductible after the social security reimbursement.

And the cost performance of millions of medical insurance is relatively high, a premium of a few hundred dollars can get millions of insurance amounts, and it is worth starting for 55-year-olds.

However, critical illness insurance and medical insurance have stricter requirements for the age and health status of the insured. If a 55-year-old cannot take out the critical illness insurance and medical insurance of his choice, it is also a good choice to purchase cancer insurance and cancer medical insurance.

3. Accident insurance.

Due to the decline in physical and mental state of the 55-year-old population, the reflexes, agility, and physical functions are much worse than before, and the probability of accidents is much higher than that in young adults, so it is necessary to configure accident insurance.

4. Life insurance. Most of the 55-year-olds have not yet relieved the financial burden of their families, and they can allocate a life insurance policy to help transfer the financial risks caused by the loss of the family's financial support.

Hope.

Chinese Life has critical illness insurance, cancer prevention insurance, medical insurance, accident insurance, life insurance, pension insurance and other products. If you are 55 years old and want to consider taking out critical illness insurance (or cancer insurance), medical insurance, and accident insurance from the perspective of protection.

Of course, how to choose and match it needs to be analyzed on a case-by-case basis.

Next, the senior sister will give you a detailed explanation.

First of all, we should consider the risk from the perspective of buying insurance, after all, different insurance companies transfer different risks.

For example, the elderly are more at risk of illness and accidents, so you can consider critical illness insurance or cancer insurance, medical insurance and accident insurance.

For those who still don't know about several types of insurance, you can take a look first: what is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

For example, critical illness insurance can transfer the financial risk caused by critical illness, while cancer insurance will have a narrower coverage than critical illness insurance, and only cover the malignant tumor diseases with the highest incidence.

However, critical illness insurance is the older you are, the more expensive the premium, and in addition, older people may not be easy to pass the health notice of critical illness insurance, so if it is not cost-effective to purchase critical illness insurance, cancer insurance can also be considered.

After all, cancer insurance has a low insurance threshold, the premium is relatively cheap, and it can also protect the diseases with the highest incidence of critical illness, which is also very good.

For cancer insurance, if you want to have an in-depth understanding, you may wish to see: what is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

Medical insurance can be used as a supplement to medical insurance to help reimburse the medical expenses of some hospitalization products.

Accident insurance can transfer the economic risk caused by accidents, and one-year accident insurance is highly leveraged, usually a few.

10. Hundreds of premiums can leverage hundreds of thousands of insurance amounts, which is also worth insuring.

That's all I've got on the issue, I hope it helps!