How should middle aged and elderly people buy accident insurance?

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.

insurance products. 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.

They have passed the best period to buy insurance, no matter what product they buy, it will be more expensive, so it is better for us to buy it first.

The elderly consider medical insurance and accident insurance, and if they are in good physical condition, they choose million medical insurance.

If there are many minor health problems, you can consider cancer prevention medical insurance. We have a product for snails, the health notice is very relaxed, the insurance amount of 2 million is enough, and we also send a physical examination.

Accident insurance does not increase the premium due to advanced age, and there is no need for a medical examination. The premium is calculated according to the probability of accidents, so the premium is relatively low. A few dozen yuan a year, more than 100 yuan, you can have tens of thousands, hundreds of thousands of insurance amounts. So it's perfect for consumer-based purchases.

Due to the influence of traditional thinking, many people do not recognize consumer-oriented insurance, thinking that if something happens, the insurance premium will be paid in vain. Therefore, there are many people who choose products that can refund the premium, or can pay dividends. Many insurance companies have also adapted to the psychology of the public and launched a large number of return or dividend insurance products.

In fact, the wool comes out of the sheep. The cost of consumer-based insurance is the lowest, it is like a bailout**, according to the risk probability plus the reasonable profit composition of the insurance company. Once designed as a return or dividend type, the premium will be greatly increased, and the increased part is used by the insurance company to manage money, and can earn consumption-based premiums plus profits from financial management operations.

The goal of wealth management may be the interest rate difference of bank deposits, or it may be some relatively safe bonds and trust products.

Therefore, in the choice of accident insurance, the consumption type is more appropriate. In addition, card insurance is preferred because it is simple and clear.

2.Be aware of enrollment restrictions and renewals.

Insurance cards have certain insurance restrictions, such as occupation, age, etc. For seniors, age restrictions are paramount. Most of the insurance cards on the market are for young and middle-aged people, in fact, the prevention of accidents for the elderly is also very important.

The elderly are characterized by less going out, but their legs and feet are inconvenient, and falls, bruises, fractures, etc. are more common accidents.

In addition, when the elderly buy health insurance, they should pay attention to see if this insurance contains a renewal clause. For the sake of risk control, most insurance companies do not promise guaranteed renewal of short-term medical insurance, and actuaries are quite controversial about the clause of guaranteed renewal. However, for consumers, guaranteed renewal is very advantageous, if the insurance product cannot be renewed, the policyholder has an insurance liability accident within the insurance period, and the insurance company can refuse to continue to underwrite for the policyholder after the insurance company pays compensation.

The risk of the elderly re-becoming ill is very large, and the probability of illness is high, and the guarantee renewal can resolve these risks, once the insurance company promises to the insured to guarantee the renewal, it loses the right to underwrite the insured, no matter what kind of disease the insured suffers from, the insurance company shall not increase the premium, let alone refuse to insure.

In addition to buying insurance to avoid unavoidable risks, the elderly usually strengthen their own safety awareness, such as do not take hot baths, do not drink cold drinks, do not eat full, use non-slip flooring, install non-slip handrails, etc. to reduce the risk rate.

Middle-aged people are the mainstay of a family, and once an accident occurs, it will undoubtedly bring greater risks to the whole family, so it is necessary for you to plan to buy accident insurance for your middle-aged friends. Which is the best way for middle-aged people to buy public accident insurance?

Public accident insurance refers to public liability insurance, which mainly covers the insured when engaging in production, operation or other shelter activities within the scope of its operation, due to the occurrence of accidents and personal and property losses of others (third parties), according to the law should be borne by the insured group and the economic liability of the people, this kind of insurance is more suitable for some large shopping malls or institutions to insure. For the accident protection needs of middle-aged people, it is not suitable to insure, it is recommended that you purchase personal accident insurance for your friends, and you need to pay attention to the following points before applying for insurance:

1.Pay attention to the provisions of the insurance clause on the deductible, out-of-pocket ratio and maximum reimbursement limit for medical expenses, and try to choose accident medical insurance with low deductible, large reimbursement ratio and high reimbursement limit.

2.Pay attention to the coverage of medical expenses in accident insurance. When buying accident insurance, you should pay attention to the reimbursement of medical expenses.

3.Understand what it means to be unexpected. The insurance clause stipulates that the accident is "foreign", "sudden", "unintended", and "not sick".

For example, if it is a sudden illness, then even if it is a sudden landslide, it is not intended, but because it is a disease, it is not in the category of accidental injury.

4.Understand the exclusion of liability for accident insurance, the scope of coverage, the insurance conditions and the hospital you visited. Accident insurance has restrictions on the occupation of the policyholder, and high-risk occupations will be denied.

Most accident insurance products have requirements for the hospital you visit. The general requirement is a second-class hospital or above. Buy accident insurance for your middle-aged friend, personal accident insurance should be tailored for the best effect.

It is an insurance platform that provides professional personal accident insurance, and you are welcome to compare and choose. Auspicious Life Annual Comprehensive Protection Plan covers the following contents: * Accidental Death Disability Insurance 200,000 * Accidental Injury Medical 20,000 (100 yuan deductible, 80% compensation) * Additional aircraft accident 600,000 yuan, etc.

Traffic accident benefit with ordinary accident accumulation benefit is as low as: $234 - Taiping Shengshi Comprehensive Accident Insurance (Diamond Plan) coverage content: * ordinary injury 200,000 * accidental medical treatment 50,000 * accidental hospitalization allowance as low as 328 yuan.

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

Middle-aged and elderly people are more likely to be at risk of accidents due to their deterioration in physical fitness. For this reason, it is important that you take out the right accident insurance for your parents.

How to choose the right accident insurance for middle-aged and elderly people:

First of all, according to your age, you should determine that the selected product is suitable for the age range of the insured.

Secondly, it is necessary to pay attention to the protection of interests, and the insurance products you choose should best cover accidental death, disability, burns, medical treatment, hospitalization allowance, sudden death and other insurance liabilities, and choose the appropriate amount of insurance to protect yourself.

Finally, the characteristics and protection benefits of accident insurance products launched by different insurance companies for the middle-aged and elderly will be different, and you can choose the right accident insurance product for yourself according to the characteristics of your needs.

There are many elderly accident insurance products on the market, and you can choose the one that suits you according to your budget and needs. And it's not saying which product is the best.

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