What kind of insurance should I buy for my unemployed parents in rural areas?

For the age of the parents, the focus should be on health insurance. That is, medical insurance and protection products are the first, and then the combination of pension insurance, children's education funds, dividend investment and other products is considered.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

First of all, the order of purchasing insurance is: you must first protect the product, including 1, consumption (accident insurance, term life insurance, etc.); 2. Accumulation type (whole life insurance, comprehensive insurance, etc.). Then there is medical insurance (general medical care, serious illness medical insurance, etc.), endowment insurance, children's education funds, investment dividend products, etc.

At the same time, the order of purchase of the family is: 1, the economic pillar; 2. Your lover; 3. Family members without financial income, such as children, the elderly, etc.

Secondly, the principle of purchasing insurance is based on social insurance, and it is better to add appropriate commercial insurance as a supplement.

Third, insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

Here, I know that in this industry, there are three sentences that say this: "brand in life", "Ping An's talents" and "Xinhua's products".

Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

It is advisable to purchase accident insurance.

Other types of insurance can also be purchased, but the cost will be higher.

Because, the older the age, the greater the risk, therefore, the cost of protection is relatively high.

I bought accidental injuries plus accidental medical treatment for both parents.

Guangzhou Ping'an, I wish you a safe !!

Insurance awareness is very strong, very good, you can find the local ** people to consult, so that it will be more detailed, you can also make a plan, insurance should be formulated according to the family's economic ability, buy critical illness insurance is too old, accident insurance is very suitable, in addition to the hospitalization medical allowance, you can,

I think it can be purchased in the following order according to the economic conditions.

1. Reimbursement-based medical insurance. (The reimbursement type cannot be stacked, just buy one).

Choose Huimin Insurance. Huimin Insurance is the leading one, as long as more than 100 a year, ** and healthy young people, properly subsidize the middle-aged and elderly, cost-effective. And you can also apply for spring protection when you are sick.

Theoretically, the reimbursement rate of millions of medical services is higher, but the health care requirements are higher and more expensive, if the parents have no diseases and the budget is sufficient, you can buy this directly.

It is not recommended to buy cancer medical insurance, as the scope of coverage is somewhat limited.

How to buy: Search for "City Insurance" on Alipay, and select the city where it is located.

It is not cost-effective to buy a critical illness over the age of 50, the premium is high, the sum insured is low, and the premium is likely to be upside down. Moreover, the health requirements for critical illness are high.

Therefore, the pay-type cancer insurance is a good replacement, the three highs and cardiovascular and cerebrovascular diseases can be insured, and the diagnosis will pay a large amount of money at one time, with hundreds of thousands of bodies, if there is also a reimbursement type medical insurance to reimburse some expenses, the pressure on the family will be much less, and the mentality of the elderly will be much better, which is very important.

How to buy: Pay for the insurance search "middle-aged and elderly cancer insurance", generally his withered gold selection products will be more cost-effective.

Accident insurance is also very cheap, hundreds a year, and accidents such as the elderly falling can be used. It ranks third because if it is more serious, some of the liabilities can be covered by reimbursement medical insurance.

Purchase method: pay for the insurance search "middle-aged and elderly accident insurance".

Medical insurance for urban and rural residents, because rural parents generally can't buy employee medical insurance by selling their calendars, then the most appropriate is the medical insurance for urban and rural residents, which only costs a few hundred yuan a year to enjoy reimbursement for medical treatment and hospitalization.

Serious illness medical insurance, look at the local potato has not carried out a serious illness medical insurance pilot, if there is a case, you can buy it, because the reimbursement ratio of serious illness medical insurance is not low at 50%, and the compensation limit is as high as 200,000 in some areas, spending a small amount of money to solve a big problem.

Commercial insurance, after buying the above two types of insurance for parents, you can buy some commercial insurance as a supplement, which can play a better role in protection.

1. Medical insurance for urban and rural residents. Because rural parents generally can't buy employee medical insurance, the most prudent thing is the medical insurance for urban and rural residents, and the god can enjoy reimbursement for medical treatment and hospitalization for only a few hundred yuan a year.

2. Serious illness medical insurance. Let's see if there is a pilot project of serious illness medical insurance in the local area, and if there is, you can buy it, because the reimbursement ratio of serious illness medical insurance is not less than 50%, and the compensation limit is as high as 200,000 in some areas, so you can spend a small amount of money to solve big problems.

3. Commercial insurance. After buying the above two types of insurance for your parents, you can buy some commercial insurance as a supplement, which can play a better role in protection.

4. Buy insurance for parents in rural areas. It should be noted that you should buy the right one first, and then buy supplementary insurance, but do not buy duplicate insurance between the insurance that you buy at a loss, so as not to waste money and not enjoy the reimbursement you deserve. In fact, in addition to buying insurance for your parents, you can also consider paying pension insurance for them, such as basic pension insurance and commercial pension insurance, so that parents can have a certain pension every month after reaching a certain age, and they will be happier.

It is recommended that the subject buy Huimin Insurance.

Huimin Insurance is led by ** Kaishi, more than 100 a year, relatively cheap, and old, with illness can also invest in Huai New Year's Insurance, properly subsidize the elderly.

I don't think the rest can be considered for now, and I can't buy millions of medical lead and critical illness insurance. Cancer insurance is relatively high, and it may not be appropriate.

If your parents have not purchased social security, you can also consider configuring pension insurance for them.

1. Pay resident pension insurance

If your parents haven't bought social security, you can consider pension insurance. In most parts of the country, pension insurance is supported by a one-time supplementary payment, and the pension will begin to be paid next month.

2. Pay employee pension as a flexible employment status

For example, a 40-year-old woman who retires at the age of 55 will receive a pension after just 15 years of retirement.

For women aged 45, they can pay for 10 years until they are 55 years old;

Extend contributions for another 5 years until 15 years have been paid before retirement.

For parents who are old and do not have a work unit, Daddy recommends everyone:

If your parents can't afford social security, you can consider commercial insurance. Here's how to choose:

1.Choose products with loose health notices

It is inevitable that the parents will be sick, and the insurance company will not be liable for the fact that the insurance will be denied to the product with strict health notice, or the diagnosed disease will be excluded.

When buying insurance for your parents, pay special attention to health notices and products with lenient underwriting.

2.Choose products with a wide range of insurance ages

Most of my parents' generation did not have insurance when they were young.

When you are older and then come to apply for insurance, there will be various restrictions, and age is one of them.

There are relatively few insurance products on the market that are over 60 years old, and the choice is greatly reduced.

If you want to buy insurance for parents who do not have social security in rural areas, what kind of insurance is better?

Hello! For rural parents who don't have social security, business accident insurance and health insurance should be purchased for them. First of all, the risk of accidents is everywhere, the older you are, the greater the possibility of accident risks, timely purchase of commercial accident insurance can well avoid the risk of bumps, falls and other risks, when applying for insurance, you should pay attention to hospitalization medical security and hospitalization allowance protection; Secondly, the physical fitness of the elderly is not as good as before, and they are easily attacked by diseases, and a health insurance can protect their health well.

No matter which insurance product you choose for your parents, you should pay your premiums wisely, and general health care accounts for about 40% of your monthly expenses. There are a number of insurance products suitable for seniors, and you can get a discount of at least 15% when you apply here.

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages

You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insurance

If you are under the age of 20, you should choose critical illness insurance, medical insurance, and accident insurance

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, and it is precisely for this reason that it is usually recommended that these small partners configure a medical insurance, which can be used for reimbursement and compensation of medical expenses; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is also necessary to purchase accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

For friends in their 20-30s, you can choose critical illness insurance, accident insurance, and medical insurance first

How do you buy insurance in your 20s? 20 years old 30 years old, is already an adult who can be independent, at this time the body is young, the spirit is good, in order to allow themselves to fight for the future wholeheartedly, no worries, so it is recommended to buy critical illness insurance + one-year accident insurance + million medical insurance, in fact, it does not cost a few dollars, short-term accident insurance is dozens of dollars a month, it can be considered, in line with this age group friends can see the senior sister beforeHow to buy critical illness insurance in your 20s

You can take a look at this article.

The insurance options for people aged 30-50 should be: critical illness insurance, life insurance, accident insurance, and medical insurance

What kind of insurance is more cost-effective to buy at the age of 30? At this time, buying insurance is more for your family than yourself. Middle-aged work pressure and life pressure are very high, and the probability of illness is naturally very large, critical illness insurance and medical insurance can provide adequate protection for illness; If an accident happens, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

It is recommended that friends over the age of 45 can not buy critical illness insurance and life insurance, because the premiums at this time are relatively expensive and unnecessary. Friends who meet this age group can watch before the senior sisterWhat kind of insurance is more cost-effective to buy at the age of 30?

For how to buy really good insurance, the key is to choose the right insurance product.

"If you want to buy insurance for parents who do not have social security in rural areas, what kind of insurance is better? "Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

Hello! For the elderly in rural areas who do not have social security, the risks of accidents and illnesses are often passed on to their children, so improving the protection of your parents in their 50s is strengthening your own protection.

What kind of insurance is better for rural elderly people in their fifties who do not have social security?

As the vast majority of people enter old age, their health is much worse than before, so medical expenses have become an important expense for the elderly. According to the survey, in addition to daily consumption, general health care accounts for about 40% of the monthly expenditure of the elderly. It can be seen that it is very necessary to buy a medical insurance for the elderly.

In addition, the risk of accidents will be exacerbated due to the elderly due to their weak legs and feet and relatively sluggish brain response, so in order to fully protect your parents in their fifties, it is best to purchase accident insurance and medical insurance for them in advance.

Accident insurance and health insurance are preferred for your rural parents who do not have social security. It is an e-commerce platform that provides professional elderly insurance products and insurance solutions, and you are welcome to come to purchase and consult. The following products are recommended for you:

"Worry-Free Year" Comprehensive Accident Insurance (3-17 years old) Platinum Plan

Elderly Care (including Critical Illness) Plan 1 Plus

If you want to buy insurance for parents who do not have social security in rural areas, what kind of insurance is better?