Insurance suitable for a 50 year old woman

If there are no special circumstances, a 50-year-old woman is suitable to buy these types of insurance: critical illness insurance, million medical insurance, and accident insurance.

1. Critical illness insurance.

Critical illness insurance is a benefit-based insurance, which mainly provides protection for the diseases specified in the policy. You must know that if you unfortunately suffer from a serious illness, the cost of the first expense is not low, often hundreds of thousands, which is more difficult for most ordinary families to come up with such a large sum of money at once.

If we have taken out a critical illness policy, the insurance company will pay a sum of insurance benefits according to the agreement if the insured suffers from an illness specified in the policy during the policy period. To a certain extent, this insurance benefit can reduce the financial burden on our family.

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, which is mainly used to reimburse the ** expenses incurred by our illness and hospitalization. Compared with medical insurance, the reimbursement amount of million medical insurance is relatively high and the reimbursement scope is relatively wide.

Moreover, there are many million-dollar medical insurance on the market that will also contain value-added services such as "advance payment of drug expenses" and "green channel for medical treatment" to provide convenience for everyone to see a doctor.

3. Accident insurance.

Accident insurance is mainly to protect personal injury caused by external, sudden, unintentional, and non-disease events.

If you accidentally fall and need to go to the hospital outpatient clinic**, the role of accident insurance is reflected at this time, and many accident insurance on the market can reimburse the expenses of accidental outpatient and hospitalization, which can reduce the financial burden of the family to a certain extent.

Women play an important role throughout their lives, and in order to further improve the protection of women at the age of 50, it is necessary to purchase insurance for women as early as possible. What kind of insurance should a 50-year-old woman buy?

For 50-year-old women, personal accident insurance, health insurance and life insurance are suitable for purchase

30-50 years old is the second ** period for women, and it is often the backbone of family and career. Insurance experts recommend that women at this age should choose critical illness, term life, accident and medical insurance, especially specific insurance that covers women's critical illnesses. At this stage, it is necessary for women to increase the types of financial insurance covering the elderly in order to plan their own pension arrangements, otherwise the premium will increase due to the increase in the insurance age in the future.

For women around the age of 55, they can choose between accident, medical and life insurance. For 50-year-old women to buy insurance, the choice of formal insurance platform is very important, and you can get at least 15% discount when you apply for insurance, so it is recommended that you give priority to it. Taikang e-Shun Women's Disease Insurance Coverage:

Breast cancer insurance benefits, women-specific cancer insurance benefits, etc.*Special coverage for female carcinoma-in-situ *Accidental facial plastic surgery insurance benefits as low as: 100 yuanPICC life insurance carefully selected term life insurance protection content: *Up to 1.5 million critical illness cancer benefits can be selected * 500,000 yuan of insurance benefits will be paid immediately upon death * Sixth-class rates,**Cheaper and lowest monthly expenses:

50 yuan.

For 50-year-old women, it is recommended to consider critical illness insurance, million medical insurance, life insurance and accident insurance. Before applying for insurance, you need to clarify your own insurance needs and health status, and be sure to tell the truth when you apply for health insurance and face the health notification process!

Insurance strategy suitable for 50-year-old women, this article is worth a look: which insurance is suitable for you around 50 years old?

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 insurance for the elderly is not the same as buying insurance for young people, and the following tips should be mastered when choosing: First, the probability of accidental injury for the elderly is higher than that of other age groups, so the elderly should take accident insurance as the first choice for insurance. Accident insurance has the characteristics of low premiums and high protection, and the elderly buy accident insurance before the age of 65, and the premium does not need to be overpaid, and the protection is the same.

Second, you should consider purchasing hospital medical insurance or comprehensive medical insurance. As people are more likely to get sick in old age, it is important to have a health insurance policy. However, since the general rule of insurance is that the younger the person pays the same insurance, the lower the premium, the higher the sum insured, while the older the person, the more premium they pay, the lower the sum insured.

Some insurance plans may have an "inversion" between the premium and the sum insured due to the age of application, which means that the premium paid may exceed the sum insured, especially for critical illness insurance. Based on these circumstances, for the vast majority of the elderly, it is not cost-effective to purchase critical illness insurance, and it is more appropriate to purchase hospitalization medical insurance or comprehensive medical insurance.

A 50-year-old woman should first purchase an accident insurance to protect against unexpected risks, and then she also needs to combine critical illness insurance and medical insurance, which can purchase a small medical insurance plus a million medical insurance. It can cover both hospitalization and the risk of severe illness, making it more comprehensive.

50-year-old women should give priority to accident insurance, then hospital medical insurance or comprehensive medical insurance, and finally the purchase of commercial pension insurance is indispensable. In addition, when purchasing insurance, you should choose the insurance product that suits you according to your actual situation.

I don't know why you want to buy insurance? Are you thinking about pension or medical care?

If there are no special circumstances, it will be more appropriate for a 50-year-old woman to buy insurance like this: critical illness insurance + million medical insurance + accident insurance.

1. Critical illness insurance.

Critical illness insurance is mainly for the protection of critical illness, 50 years old is still in the high incidence stage of critical illness, if unfortunately sick, even if it is a mild illness, the cost of ** is not cheap, if we buy critical illness insurance, during the protection period of illness and meet the claim criteria, you can get an insurance payment, this money can reduce our financial burden to a certain extent.

Don't know what illnesses are covered by critical illness insurance? Let's take a look at the experts' answers: What diseases does critical illness insurance cover? If you don't know these, don't buy them randomly!

2. Million medical insurance.

Million medical insurance is a reimbursement type of insurance, which can be said to be a supplementary insurance to medical insurance. If you unfortunately suffer from a serious illness, but do not meet the criteria for critical illness insurance claims, then the role of million medical insurance is reflected. After our illness and hospitalization expenses are reimbursed by medical insurance, they will be reimbursed through millions of medical insurance, which can greatly reduce the pressure of seeing a doctor.

3. Accident insurance.

Accident insurance protects injuries caused by accidents, from small bruises, cat scratches and dog bites to reimbursement of hospitalization expenses, and as large as traffic accidents** can get a compensation. When choosing accident insurance, it is recommended to choose a one-year plan with coverage for accidental death and dismemberment, as well as accidental medical coverage.

If you don't know how to choose accident insurance, you might as well take a look at this article: In 2022, the most worthwhile accident insurance is here to buy millions of medical insurance.

Hello! When the elderly over 50 years old buy insurance, they should consider pure protection products, so that they can get better protection with affordable ** and avoid the phenomenon of inverted premiums. Generally speaking, consumer accident insurance, health insurance, and protection life insurance are all good choices.

The following is the specific introduction of China Minsheng Insurance Network to you:

The physical function of the elderly is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also weakened.

The ability of the elderly to resist disease is significantly weakened, and the possibility of disease increases. Therefore, it is recommended that 50-year-olds choose a suitable consumer health insurance after doing a good job of accident protection.

If the elderly want to protect themselves while leaving a certain amount of financial comfort for their families, they can buy a protective term life insurance, which can avoid the inversion of premiums.

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