My father is 62 years old, is it appropriate to buy him critical illness insurance now?

The first question of the subject, for the 62-year-old father, the senior sister does not recommend buying critical illness insurance for him. The main reason is that the upper age limit of most critical illness insurance is around 60 years old, and the older the person buys critical illness insurance, the more expensive the corresponding premium, and there may be a situation such as premium inversion.

Therefore, if you want to buy insurance for your 62-year-old father, it is recommended to consider cancer insurance and accident insurance. Let's talk about the content of insurance for 62-year-olds.

Ultra-complete! Everything you need to know about insurance is here.

1.Cancer insurance.

To put it simply, cancer insurance is a type of insurance that specializes in dealing with cancer. Compared with health insurance such as critical illness insurance, cancer insurance has relatively relaxed requirements for the health status of the insured; In addition, the age range of the insured is also relatively wide, so it is easier to succeed in the insurance.

In addition, the high incidence of cancer is in the older age group, so cancer insurance is one of the types of insurance worth considering for people aged 62.

If you want to know more about cancer insurance, the following article is more detailed:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

2.Accident insurance.

The physical condition of the elderly will deteriorate with age, so in daily life, it is also very common for the elderly to accidentally bump, fall and other accidents.

Moreover, accident insurance also includes accidental medical coverage, and medical expenses such as hospitalization due to accidental injury** can also be partially reimbursed, so it is also a good choice to buy an accident insurance for 62-year-olds.

See here, if you want to buy accident insurance for your parents, you can poke this:

In 2022, the most worthwhile accident insurance is here.

Hello, here are a few principles for choosing critical illness insurance, you can refer to it, we believe that there is no best insurance, only the most suitable insurance products.

1. It is advisable to have more than 25 types of critical illness benefits; Must include total disability and death benefits;

2. Critical illness insurance should preferably have dividends;

3. Return time for major illnesses; The return should preferably be the sum insured;

Fourth, the background and past experience of the insurance company are also important;

Fifth, how much insurance amount to buy.

6. It is better to buy long-term insurance than to buy consumer insurance, and the premium is more moderate to pay for 20 years.

Critical illness insuranceHealth insurance

Parents are over 55 years old, and it is not cost-effective to buy critical illness insurance.

First, because they are over 55 years old, the annual premium that parents have to pay is very high, and some are more than 10,000 a year. With high premiums, protection may be less, resulting in less leverage. In addition, parents who are old and may have high blood pressure or some pre-existing conditions are not easy to pass the health notice of 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!

Hello! Under normal circumstances, if people want to live a happy and worry-free old age, they need an effective combination of social security, personal savings and pension insurance in a certain proportion. It should be noted that if you buy critical illness insurance for parents over the age of 55, if you buy a product that is not suitable, the premium will be inverted.

It is recommended that when you buy critical illness insurance for your parents over the age of 55, you must make a decision based on the actual situation of your parents.

How to buy suitable critical illness insurance for parents over the age of 55?

1. Safeguard Responsibilities and Exclusions. Read the terms of the insurance product carefully, and pay special attention to the provisions of the exclusions, deductibles, and exemption periods.

2. The length of the waiting period. Many health insurance products have a "waiting period" that will not be paid if the insured becomes ill during the waiting period.

3. Guaranteed renewal clause. That is, after the expiration of the previous insurance period, if the policyholder submits an application for renewal, the insurance company must continue to underwrite the policy in accordance with the original terms, and the rate cannot be adjusted according to the individual's risk status.

4. Comply with the terms of truthful notification. When purchasing any insurance product, you should truthfully fill in your mother's medical condition and past medical history and other information that needs to be informed.

Health is an eternal topic, and critical illness insurance is also one of the most basic types of protection insurance for people. When buying a suitable critical illness insurance product for parents who are nearly 55 years old, you are reminded to pay attention to good communication with experienced and professional insurance professionals first.

Hello, because the elderly are over 50 years old, the premium for buying critical illness insurance at this time is expensive, the amount of insurance is low, and the leverage is not high. It is recommended that you choose medical insurance and accident insurance for higher leverage. After the medical insurance and accident insurance are allocated, there is spare time to consider critical illness insurance.

Yes, the maximum insurance age of critical illness insurance in the market is 65 years old, and some consumer-based comprehensive insurance including critical illness, accidents, etc., as well as filial piety insurance for the elderly specially developed for children are available. The fees are relatively cheap, a few hundred dollars. Low cost, high protection.

Critical illness insurance is definitely available, but considering that if the 50-year-old user pays in full, it is possible that the cost is equal to the sum insured (the amount of insurance company payout) is basically not very cost-effective, but there are still some more special, you can go to the local insurance company to ask, this kind of insurance is basically available, and it is also for this age group, but after the payment is full, the cost is also a few thousand yuan.

The annual payment for critical illness in my 50s must be high, and I still have to pay five or six thousand a year when I am 40 years old. Some insurance also require a physical examination, you can consult the insurance company salesman.

Under normal circumstances, it can be bought, but it should be noted that the 54-year-old father may be denied critical illness insurance due to health reasons, and the second is that the premium to be paid after successful insurance will be more expensive because of his age. For critical illness insurance, you can read this article:

Under the new rules of critical illness insurance, the purchase of critical illness insurance is recommended!

54-year-old people, the body mechanism is slowly weakening, and some diseases begin to occur at this age, so when the 54-year-old applies for critical illness insurance, it is likely to be rejected by the insurance company at the health notice, so if you really want to apply for critical illness insurance, it is recommended to screen some products with loose health notices for comparison. If you want to take out sick insurance, you may wish to take a look at this article: remember these 5 steps to get your sick insurance smoothly!

As we mentioned earlier, the premium required to apply for critical illness insurance at the age of 54 is relatively expensive, so you need to be mentally prepared. This is because in many critical illness insurance products, the premium is not only related to the protection liability and the sum insured, but also related to the age of the insured, which basically presents a positive relationship. If you want to protect your risk with relatively low premiums, you may want to consider cancer insurance.

The liability of cancer insurance is very simple, it is insurance that specifically covers cancer, and cancer has always been the largest part of critical illness claims. The age of cancer insurance is relatively wide, some can be insured at the age of 70, and the health notice is also very relaxed, common hypertension and diabetes can be insured, and the most important point is that the premium is cheaper than major illness insurance. To learn more, read this article:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

At this age, medical treatment and accidents are the first choice, and low premiums can also get millions of protection, unlimited social security drugs, if you are interested in private message me, or Wenzhou insurance consultant Ye Junshuai.

At present, there are countless elderly insurance sold on the market, and it is not so simple to choose the right product, it doesn't matter, I will help you sort out what you want, and stamp the blue word to receive:"Seven Most Cost-effective Insurance for the Elderly".

Critical illness insurance at this age may be rejected by the insurance company due to health notifications, but there are other plans available. Next, I will talk about the scientific ideas of insuring the elderly at this age for the subject's reference

Through the curve chart of the incidence of diseases, we can see that the older you are, especially after the age of 50, the probability of getting sick will be higher and higher.

Typically, it is recommended that the elderly configure these insurances:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

Medical insurance is the most basic guarantee for daily medical treatment, and it is also the most important medical security for the elderly, there is no age limit and health requirements, especially for the elderly who cannot purchase other commercial insurance, medical insurance is indispensable.

2.Medical insurance

The elderly are at high risk of disease, and if they suffer from high-incidence diseases, such as diabetes, hypertension, rheumatoid arthritis, cancer, etc., they all need to take medication for a long time**, and expensive medical expenses will also increase the burden on the whole family.

As an Internet celebrity in the medical insurance industry, millions of medical insurance can leverage millions of protection for only a few hundred yuan a year, whether it is outpatient, surgical or hospitalization expenses, the part exceeding 10,000 can be 100% reimbursed, and there is a major disease such as cancer, which can be directly reimbursed with 0 deductible. As a supplement to medical insurance, million medical insurance can reimburse the part that cannot be reimbursed by medical insurance, minimizing the financial loss of the family. For the convenience of everyone, I finally sorted out this million medical insurance ranking with dark circles, and I don't want to collect it soon!

"Top 10 Cost-effective Million Medical Insurance Points".

3.Cancer insurance.

In China, the elderly have the largest proportion of malignant tumors. If the elderly have health problems and cannot afford to buy millions of medical insurance, then cancer insurance is the best choice.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Cancer insurance is really much cheaper than heavy illness insurance, and the health notice is very relaxed, as long as it is a condition unrelated to cancer, it will not affect the insurance.

4.Accident insurance.

When people reach a certain age, their legs and feet are not as flexible as when they were young, and they have osteoporosis, and if they are not careful, they may fall and be injured, and the risk of accidents is much higher than that of young people. In addition, the recovery ability of the elderly is poor, and the first cycle after accidental injury is long, which requires long-term medical expenses.

In this way, it is very important to buy a comprehensive accident insurance for the elderly. Accident insurance is generally available up to the age of 65, with relatively low premiums and low health requirements. However, buying insurance is not an easy task, and if you are not careful, you will fall into the pit, and reading my information may be helpful to you:

"All the accident insurance products you want to buy are here".

It is not recommended for middle-aged and elderly people to purchase critical illness insurance.

The reason is that the older it gets, the higher the premium, and there may even be a situation where the final claim is not as high as the premium, and if there is a minor physical problem, it will not be easy to pass the underwriting.

Although it is true that it is not so easy for parents to configure insurance due to age, physical condition and other conditions, but carefully study insurance knowledge, you can still find a suitable product

Which insurance is right for you at 50 years old?

How to configure medical insurance for 50-year-old middle-aged and elderly people?

1.Million Medical Insurance

For those who have reached the age of 55 or older, our advice is to consider purchasing a million medical insurance. Some million medical insurance will be relatively lenient in terms of health notification, and the current million medical insurance, so it is necessary to have a million medical insurance that can reimburse high medical expenses, with a wide coverage and a high reimbursement ratio. Generally, as long as a few hundred yuan, you can get millions of guarantees.

As long as it is a normal hospitalization medical expense, it can be reimbursed regardless of the social security catalog (self-financed drugs, imported drugs), the type of disease, and the means.

Ranking of millions of medical insurance with good renewal conditions

But because of the restrictions of many conditions, don't panic if you can't buy a million medical insurance, we can also take a look at the following.

2.Cancer medical insurance + cancer insurance

Cancer medical insurance is a kind of medical insurance that protects malignant tumors, and it can also be used as an alternative when you can't buy a million medical insurance.

Cancer insurance is equivalent to critical illness insurance that only covers cancer, and is a simplified version of the million-dollar medical insurance. Buying cancer insurance will be much cheaper than buying critical illness insurance, and even if you have three highs, diabetes, rheumatoid and other diseases that are not related to cancer, you can also apply for insurance, which is more suitable for the elderly.

Cancer medical insurance and cancer insurance are especially suitable for the elderly to buy insurance, because the health notice is relatively relaxed, so it is the best choice for the elderly with physical diseases. If necessary, you can take a look at the list of cancer insurance I have put together

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

3.Accident insurance.

With the increase of age, most of the elderly have different degrees of osteoplasia, osteoporosis, etc. Weak legs and feet can easily lead to falls and fractures. Long-term **expenses and **expenses, will bring a lot of expenses.

Configuring a comprehensive accident insurance for the elderly can solve the above problems well and allow the elderly to get better accidents.

You can buy critical illness insurance and accident insurance note insurance. If the insurance company designates the product as critical illness insurance, and the insurance period is mainly for adults (over 18 years old), the scope of diseases covered by the product shall include malignant tumors, acute myocardial infarction, sequelae of stroke, and coronary artery bypass grafting (or coronary artery bypass grafting) within this specification;

Major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or chronic renal failure uremia phase); In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this standard; At the same time, the above-mentioned diseases shall use the disease names and disease definitions of this specification.

Insurance usually has a 10-day cooling-off period (the starting date of the cooling-off period is the date on which the policyholder signs for the policy in writing), if the policyholder finds that the purchased product does not match his own needs, the policyholder surrenders the policy during the cooling-off period, and the insurance company will refund the insurance premium paid in full or without interest after deducting the cost of the policy, and will not bear the insurance liability from the beginning.

There is an "insurance application" clause in the critical illness insurance contract, and the insurance company should be notified in a timely manner after the occurrence of the insured event agreed in the contract, and the relevant materials should be prepared to apply to the insurance company for insurance payment according to the requirements of the "insurance benefit application" clause. The certificates and materials that need to be provided mainly include the insurance contract, the identity certificate of the insured, the diagnosis certificate of the specialist doctor or the surgical certificate, etc.