What is critical illness insurance for those over 50 years old, and how to have critical illness ins

Versailles PLUS is more suitable for people over 50 years old, as long as they are born 30 days old - 55 years old in the age range, they can be insured Versailles plus.

In addition to the coverage of severe, moderate and mild illnesses, Versailles Plus also provides optional liability for the first malignant tumor extension benefit, critical illness waiver premium and second malignant tumor (severe) extended benefit, which can be said to provide comprehensive protection for the insured. If you are interested in Versailles Plus, then this material is not to be missed! Versailles Plus Critical Illness Insurance is back, an in-depth review must be seen before buying!

Versailles 1, flexible payment period.

The payment period of Versailles PLUS is still relatively flexible, providing 5 different annual payment terms, consumers can choose according to their own situation. People over 50 years old may have less economic income after retirement, so the senior sister suggests that you can choose a longer annual payment period, after all, under the premise of the same protection content, the longer the annual payment period, the lower the annual payment pressure.

2. Provide severe protection for malignant tumors.

The second malignant tumor (severe) extended insurance benefit provided by Versailles plus is still very practical, you know, such a disease as a malignant tumor, even if it is ****, there will be a 90% chance of new, **, metastatic or persistent state in the next 3-5 years, and with this protection, you can solve this problem well.

People over the age of 50 can buy critical illness insurance, but they can do a good job of social security first, and it is better to apply for critical illness insurance on this basis. However, the most suitable age to buy critical illness insurance should be 30 or 40 years old, and most insurance companies stipulate that people over 40 years old must have a physical examination. For questions about critical illness insurance, please refer here:

Although your dad is in good health now, for a 50-year-old person, all aspects of his body's skills are gradually declining, and the possibility of contracting a serious illness is also high. Nowadays, many critical illness insurance policies are insured at the age of 55, and it is difficult to buy critical illness insurance beyond a certain age. You can also buy cancer insurance, **low, the risk rate of cancer is relatively high, as long as there are no related cases, the underwriting is very easy to overcome.

As a reminder, it is recommended that you pay special attention to the coverage when choosing critical illness insurance, whether it covers common elderly diseases, such as stroke sequelae, paralysis, malignant tumors and other common critical illnesses.

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

Seniors over the age of 50 should choose insurance products according to their actual situation (including health status, financial ability) and protection needs (whether there is social security).

1.Basic benefits: accident insurance, accident medical insurance, hospitalization medical insurance and hospitalization subsidy insurance. Increasing age makes you less agile than you used to be, and the chance of accidents increases.

2.Health protection: Critical illness insurance should be insured in time while your health is still good, this is the last chance. After the age of 50, people begin to enter a period of high incidence of diseases. The three highs are not far off.

3.Life insurance protection: If you have a certain amount of property, in order to leave it to your family, use the insurance beneficiary to dispose of a part of the property to avoid family disputes in the future, and it is also the best choice to avoid inheritance tax.

If Yuanming doesn't have much property, using a small amount of cash and his life span to make his family better in the future is also an explanation to his family.

Although your father is in good health now, for a 50-year-old person, all aspects of his physical skills are gradually declining, and the possibility of contracting serious diseases is also high. Nowadays, many critical illness insurance policies are insured at the age of 55, and it is difficult to buy critical illness insurance beyond a certain age. You can also buy cancer insurance, **low, the risk rate of cancer is relatively high, as long as there are no related cases, the underwriting is easy to pass.

Warm reminder, it is recommended that you pay special attention to the coverage when choosing critical illness insurance, whether it covers common diseases of the elderly, such as sequelae of stroke, paralysis, malignant tumors and other common critical diseases.

First of all, it is necessary to make it clear that the pricing principle of critical illness insurance is that the older you are, the more expensive it is. It will even be upside down, and the money paid is more than the money lost, which is very not cost-effective. Therefore, if you are over 50 years old, it is sometimes not recommended that you buy critical illness insurance.

Under the new regulations, we have evaluated more than 1,000 critical illness insurance products and selected the best 10 critical illness insurance products on the market. New Definition of Critical Illness Rankings Announced! The first place turned out to be it!

For example, a 30-year-old can buy up to 1 million insured, while a 50-year-old can only buy up to 100,000 insured. And when you buy it when you reach the age of 50, the requirements for you are relatively high, and even if you buy it in the future, the insurance company may refuse to pay when you make a claim, and this situation will also happen.

Older people are also prone to accidents due to their inflexible hands and feet, inconvenient movement. There are many cases of elderly people breaking bones due to accidental falls every year, so accident insurance is also indispensable. The premiums of accident insurance are relatively cheap, the protection is relatively high, and the insurance premiums are similar to those of young people, so it is very cost-effective to insure.

Consulting insurance can choose Mint Bao, and the sales consultant certified by the Mint Insurance Platform must have both the CBIRC practice qualification, bachelor degree or above, and more than 1 year of insurance experience. At present, more than 90% of the consultants have obtained industry qualifications such as MDRT and AFP CFP, and have an average of 500+ family insurance planning consulting experience.

Critical illness insurance can be purchased for people over the age of 50, and some products can support people up to the age of 55 or 60. Some of you may not know what diseases are covered by critical illness insurance, if you have the same question, then you might as well take a look at this article: What diseases are covered by critical illness insurance?

If you don't know these, don't buy them randomly!

However, if you are over 50 years old, the premium for purchasing critical illness insurance is relatively expensive, and it is easy to invert the premium, which means that the premium paid is greater than the insured amount, which is not very cost-effective.

Moreover, if you are over 50 years old to buy critical illness insurance, there will be certain difficulties, because the health notice of critical illness insurance is relatively strict, and people over 50 years old will have some health abnormalities, or have high blood pressure, diabetes and other diseases, which will affect the purchase of critical illness insurance. However, there are also some critical illness insurance policies on the market with relaxed health notices, such as these: the latest!

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

If people over the age of 50 can't buy critical illness insurance, then you can try to buy cancer insurance, which is a "reduced version" of critical illness insurance, which only protects cancer, and the premium of cancer prevention insurance is cheaper than that of major illness insurance, and the health notice will be relatively relaxed.

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

If you are over 50 years old, you can purchase critical illness insurance products with an upper age limit of 55 or 60 years old, but the choice will be relatively small. However, it should be noted that the health notice of critical illness insurance is relatively strict, and if the 50-year-old person has some minor physical problems, he may not be able to apply for insurance normally. In addition, when a 50-year-old buys critical illness insurance, the premium will be relatively expensive, and the premium may be inverted.

Not necessarily, the regulations of each insurance company are different, and generally you can buy critical illness insurance before the age of 55, but you will definitely have a physical examination.