What is the right accident insurance for the elderly?

First of all, the premium of accident insurance is related to the occupation of the insured, and is not directly related to the age of the insured.

Therefore, when configuring old age accident insurance, you don't have to worry about the high premium, but because of the higher age, the insurance company will limit the amount insured.

Combined with the accident risks that the elderly often face, such as: bathroom slips, sports sprains, stairs climbing and falling, scalding and burns, road traffic accidents and so on.

Therefore, when choosing old age accident insurance, Daddy has a few suggestions:

1) Choose accident insurance that includes accidental medical reimbursement as much as possible, and try to choose one with a higher medical reimbursement amount if the difference is not too big.

2) When selecting an accident with accidental medical liability, try to choose one with low deductible, high reimbursement ratio and few exemption clauses.

3) If conditions permit, try to choose products that cover self-financed drugs, reimbursement of imported drugs and accidental hospitalization allowance.

Arnold answers: Hello!

For the elderly, the age limit is the main issue, and you need to confirm whether your age is within the coverage age of the product before making a purchase. In addition, buy accident insurance for the elderly.

The best for the elderly is the best. When buying, it is best to buy an accident insurance product that suits you according to the actual needs of the elderly.

Which is the best accident insurance for the elderly? The old man is 62 years old and rarely goes out.

Comprehensive accident insurance. Many commercial insurance plans have some age restrictions, so the insurance for the elderly needs to be planned separately. In general, seniors can consider the following types of insurance:

1 Hospitalization Medical Insurance.

The elderly have relatively few choices in health insurance, because they are older, and they are a frequent group of diseases and deaths, and the insurance company has to bear a higher risk of compensation, and in order to cope with such a high risk, it is necessary to charge a higher insurance premium, which is not very cost-effective for the policyholder. Media health insurance is just relatively small, and there are fewer options.

For those families with poor family conditions and the elderly need protection, it is recommended to buy relatively cheap hospitalization medical insurance, which has the advantage of not needing to be attached to life insurance, and the premium is relatively cheap. Try to buy health insurance when you are young, because the premium is cheaper and you have more choice, so that you can have medical protection even when you are old.

2 Accident Insurance.

It is necessary to purchase old age accident insurance in a targeted manner, compared with other types of insurance, accident insurance has the characteristics of low premiums and high personal protection, and the insurance rate before the age of 65 is mostly the same as that of young people. When purchasing accident insurance for the elderly, it is necessary to focus on whether there are restrictions on specific places, specific activities and specific means of transportation, and choose accident insurance products with appropriate terms according to the activities of the elderly at home.

3 Long-term care insurance.

This type of product provides insurance coverage for the care expenses incurred by the elderly when they need long-term care due to physical failure due to illness, accident or old age. This coverage is usually lifelong.

China's insurance companies are also actively exploring the long-term care insurance market, and corresponding long-term care insurance products have also appeared in the domestic market. However, these types of insurance basically appear as additional insurance, and their operation is similar to that of pension insurance, so although it has a certain role, it cannot be regarded as long-term care insurance in the true sense. Many cities in China have been actively promoting the development of this type of insurance, and related insurance products are also being researched and developed, and I believe that similar difficulties will soon be solved.

Accident risks are everywhere, in order to give yourself better protection, the best way is to buy an accident insurance for yourself, especially for the elderly, the probability of accidents will be relatively large, and it is particularly important to buy an accident insurance. However, for the purchase of accident insurance for middle-aged and elderly people, we should pay attention to the following points:

1. Combine your own actual needs to insure.

For middle-aged and elderly people to purchase accident insurance, they should be insured according to their needs, and only the insurance that is insured according to their actual needs is the most suitable insurance for them.

2. Pay attention to the protection of interests.

General accident insurance mainly includes cyber accident medical, accidental death and disability benefits. If you want more protection, you can consider purchasing an insurance plan that covers accidental hospitalization. In addition, you also need to consider whether the insurance company will cover the accidents that are highly common in middle-aged and elderly people, such as fractures.

3. Be wary of restrictive clauses.

Middle-aged and elderly people who buy million-dollar guardian accident insurance must carefully read the restrictions and clarify which ones are not covered, so that they can have a comprehensive understanding of accident insurance.

In addition, you can choose an insurance company with a good reputation, good reputation and large scale when applying for insurance.

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

There are many kinds of accident insurance suitable for the elderly, such as our common Zhong'an Xiaoxin Bao 20, Zhongyi Love Worry-free, Pacific Almighty Bodyguard Senior Edition and Pacific Good Medical Insurance are all cost-effective elderly accident insurance. In addition to the basic accidental death, dismemberment and accidental medical benefits, all 4 products have specific traffic accident benefits.

The elderly do not have much financial responsibility, and the accidental death insurance does not need to be too high.

However, when the elderly are old, they are prone to various accidents and fall and fractures, so they should pay attention to the protection of accidental medical treatment.

Between the ages of 50 and 60, you can buy regular comprehensive accident insurance for the elderly, ** the same as for young people.

Over 60 years old, the elderly are prone to fractures, so you have to buy exclusive accident insurance for the elderly, ** a little higher, the insurance amount will be a little lower, but there will be an additional protection for fractures.