Buy medical insurance, ask for the name of medical insurance, buy it for your parents

As a professional insurance professional, my advice is as follows:

Considering the age of your parents, it is a bit impractical to purchase critical illness coverage from any commercial insurance company, as the premiums paid are very high and the insurance company will also take a medical exam. However, you may want to consider buying an accident insurance (additional accidental medical treatment) for your parents, which has a low premium and a low probability of getting a medical check-up. It ranges from 200 to 300 yuan a year.

You mentioned that you are a newcomer to work and that you are the one who really needs insurance. You can consider purchasing "Critical Illness Benefit" (Illness Prevention, Sickness Prevention, Sickness Pension), "Accidental Medical Treatment" and "Hospitalization Allowance" for yourself. The age is young, the premiums are relatively cheap, and there is generally no need for a medical examination.

And these do not conflict with social insurance. Social insurance (social insurance) is not covered, and in many cases, commercial insurance is still needed to share the risk of pension in the medical industry.

I don't know which province you are in, I'm from Shanghai, you can pm me if you need to. The advantage of our company is that there is no distinction between medical insurance and medical insurance.

Hope it helps! Thank you!

China Minsheng Health Insurance Card China Minsheng Health Insurance Plan - Public Version Kunlun Children's Critical Illness Insurance Plan |United Term Critical Illness Protection Plan (20 Years Protection) Taikang eShun Female Illness Insurance Plan.

It seems that there is no and there is a lie, so don't be fooled.

Generally, millions of medical care on the market can be used, but this kind of medical insurance will have certain requirements for the health of the elderly, if it is an elderly person with a chronic disease such as the three highs, you can choose some geriatric hospitalization medical care that meets the requirements of the three highs or chronic patients, or some cancer insurance on the market that supports the insurance of this kind of elderly.

Compared with critical illness insurance, for this age, in fact, buying hospitalization medical insurance and accident insurance is more meaningful and practical for the elderly. When the parents are old, the children have already taken on the burden of supporting the family, and if they die, the financial blow is not great. Parents with the increase of age, the body inevitably goes downhill, the probability of disease is greatly increased than when they were young, once the disease, the physical fitness is not as good as when they were young, the first period is long, the recovery ability is weak, and the medical expenses consumed are higher, so the demand for medical insurance is obvious.

When people get old, their physical fitness declines, their reactions become slower, and they often have no time to dodge when they encounter sudden dangers, and the elderly have poor physique, and wrestling is also easy to cause serious injuries, and the probability of accidents will be greatly increased. Therefore, in terms of insurance configuration for the elderly, it can be medical insurance plus accident insurance.

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

Private medical insurance has become more and more into people's lives, and its high coverage can alleviate the high medical costs caused by accidents. However, you should be cautious when choosing private medical insurance, otherwise it will not only play its due role in protection, but may also cause unnecessary economic losses and claims disputes. Clause.

1. Pay attention to the age limit for insurance. Different insurance companies have different rules on the minimum age to be insured, and depending on the type of insurance, the minimum age for the intake of Hobhu generally ranges from 90 days after birth to 16 years of age. However, the maximum age set by each insurance company is roughly the same, at 65 years old.

If you are not in this range, you are generally not suitable for insurance. The younger you are, the lower the premium, so it is advisable to apply early. Clause.

2. Pay attention to the terms of the obligation to truthfully inform. When entering into an insurance contract, you should truthfully state your current medical condition and past medical history to the insurer so that the insurer can judge whether to accept the coverage or under what conditions. Some hospitalization medical insurance policies explicitly exclude certain serious diseases (such as congenital diseases, leukemia, etc.).

Therefore, do not conceal your medical history, otherwise it will cause the insurance contract to lapse and the insurance company will not fulfill its obligation to pay even if an insured event within the scope of liability occurs. Clause.

3. Pay attention to the scope of liability of the insurance. When purchasing insurance, it is important to understand the scope of liability of the type of insurance, and the insurance company will only fulfill its obligation to pay compensation when an insured event occurs within the scope of responsibility. For example, the popular "Critical Illness Insurance" in the market generally covers the first diagnosed illness after the insurance is purchased.

Such as cancer, stroke, myocardial infarction, etc., while asthma, tuberculosis and other diseases are not covered. Clause.

Fourth, pay attention to the wait-and-see period of hospitalization medical insurance. The so-called wait-and-see period means that only after the insurance contract has taken effect for a period of time, the insurer will be liable to pay the insured's medical treatment expenses due to illness. Except for the hospitalization medical expenses caused by accidents, for general hospitalization medical insurance, the insurance company has a wait-and-see period when underwriting.

According to different types of insurance, there are two types of wait-and-see periods: 90 days and 180 days from the effective date of the contract, and the insurance company is not responsible for the medical expenses incurred during the wait-and-see period. Clause.

5. Pay attention to the deductible clause. Insurance companies generally have deductibles for some medical expenses that are relatively low. On the one hand, the amount of medical expenses is relatively low, and the insured can afford it financially; It can also save the insurer a lot of labor to settle the claim.

On the other hand, it can prompt the insured to strengthen self-control of medical expenses and avoid unnecessary waste. Therefore, when purchasing medical insurance, it is important to pay attention to the deductible. If your medical expenses are less than the deductible, you may not be eligible for a claim.

The product types of the Good Medical Insurance series include critical illness insurance, million medical insurance, and cancer prevention medical insurance. The variety of products with good medical insurance is not very rich, and there may not be insurance suitable for your parents.

To choose a suitable product, in addition to the protection, sum insured and premium, it also depends on whether the physical condition and age of the parents meet the requirements of the product. The more popular long-term medical insurance reviews of good medical insurance can be found at:Is Alipay's new good medical insurance long-term medical care 2020 worth buying?

One for you to sweep the pit

1.Choose products with loose health notices.

2.Choose products with a wide range of insurance ages.

3.Choose a highly targeted type of insurance.

Originally, there was not much room for parents to buy insurance, so don't limit the target range too narrowly, and it won't be so difficult to choose products if you relax a little.