How to choose health insurance for your parents

Depending on the age, the general health insurance can be insured before 60, and the post-60s can only invest in filial piety! 45---75 insurable!

Hello: First of all, I am glad for your parents to have such filial and responsible children as you.

When it comes to choosing health insurance, I think the following aspects should be considered:

1.Looking at the company, the size of the company and the speed of claim settlement determine whether the follow-up service is reliable;

2.Looking at the products, although the health insurance of major companies looks similar, in fact, after careful comparison, the descriptions of some diseases are different.

3.Looking at the sum insured, if it is a middle-aged and elderly person between 50 and 60 years old, and the incidence is mostly tumor lesions, cardiovascular and cerebrovascular diseases or some accidents, it is recommended to choose an insurance amount of at least 100,000 yuan.

4.Finally, choose the one that suits you according to your parents' physical condition.

I wish you and your family good health and happiness.

Further develop a plan that is suitable for your parents' age and your needs.

Hello, it is a pleasure to serve you. It can be seen that you are a very filial person! How to choose health insurance for your parentsIt depends on the age and physical condition of the elderly. Choose the best one is the best.

Hello, it is a pleasure to serve you. This depends on the age and physical condition of the elderly. Choosing the most suitable is the best.

You can learn about Xinhua Health Worry-free, with low premiums and full coverage of 60 critical illnesses and 15 minor illnesses.

Good evening! Critical illness and accident insurance insureds cannot be over 55 years old for healthy individuals, and medical insurance cannot be over 60 years old (50 60 but medical examination is required)Need to know**.

It depends on the age of the parents!

Hello, it depends on the age of the parents.

Hello! Learn about Xinhua Health Insurance!

Hello! You are so filial! You can chat with me privately.

Hello, micro-ego, talk in detail. Tailor-made for your parents.

You can learn more about Pacific Insurance.

I'm an account manager at Ping An, can I have a private chat?

For the matter of buying health insurance for parents, we must plan in advance, and try to choose the right one from the limited products to transfer the risk of medical expenses, but if there is no suitable product, it doesn't matter, and it is also a way to plan to use the money from the plan to buy insurance to do some savings investment or buy something. In addition, when we are still young, when we plan for our own protection, we should consider the health insurance protection plan for the elderly, you can choose to buy insurance products, or you can consider compulsory savings, so as to leave enough capital for yourself to spend your old age.

When you buy insurance for your parents, you can buy accident insurance, medical insurance, critical illness insurance, and endowment insurance.

1. Accident insurance.

The elderly have osteoporosis, easy to fracture, and the time is slow, often a fracture hospitalization for a month may not be cured, accident insurance is simple, is the primary consideration of protection.

2. Endowment insurance.

On the basis of social security, if the conditions are better, you can supplement an annuity insurance to make your parents' old age better.

3. Medical insurance.

How to choose insurance for parents, the most important thing is medical treatment, the risk of disease, can reimburse a certain amount of expenses, and the occurrence of large risks will not bring a big burden to children. If the parents are in good health and meet the insurance requirements, they can directly choose the Million Medical Insurance.

4. Critical illness insurance.

Insurance products have a limit on the age of protection, if the parents are under the age of 51, they will give priority to purchasing critical illness insurance, and the amount can reach about 300,000. If the parents are over 60 years old, accident insurance will be preferred. The older the parent, the more likely they are to be denied.

When buying insurance for your parents, you can start from the actual protection needs of your parents, and it is recommended to arrange cancer insurance, medical insurance, and accident insurance. As parents get older, their physical fitness is declining rapidly, and the risk of diseases and accidents they have to face will undoubtedly increase significantly, so it is necessary to protect parents as soon as possible.

Parents should buy three types of insurance: accident insurance + cancer insurance + cancer medical insurance.

The reason why it is difficult for elders to buy insurance is because they are hindered by age and physical fitness, and few types of insurance can be selected by parents. However, the older the parents, the greater the probability of getting sick, and the greater the possibility of buying insurance!

1. Cancer prevention medical insurance.

When parents are older, there will be many high-incidence diseases, such as stroke, three high-level diseases, which will be more common in the elderly group, and the cost of treatment is also high, which will greatly increase the economic pressure for ordinary families.

If you have medical insurance, you don't have to worry about running out of money when you go to the hospital**. Regardless of whether the insured is outpatient, surgical or hospitalized, etc., the part of the cost exceeding 10,000 yuan can basically be 100% reimbursed. And the premium is cheap, only a few hundred yuan a year, but the sum insured is millions.

If the health status of the elderly is too poor to take out the million-dollar medical insurance with strict health notification requirements, but you still want to have a medical protection, you can buy cancer medical insurance.

Like millions of medical insurance, cancer prevention medical insurance is also reimbursement insurance, that is, the insured spends as much as the cost of the reimbursement, this type of insurance is low, the amount of insurance is high, mainly used to pay for the cancer caused by the trace of the hospital or special outpatient expenses. If you want to further deepen your understanding of cancer prevention medical insurance, click the link below to learn:"What you need to know about cancer medical insurance!

2. Benefit-based cancer insurance.

The elderly basically have no choice of critical illness insurance, because critical illness insurance has certain requirements for the physical condition of the policyholder, and the physical fitness of parents declines with age, and it may not pass. Even if you buy critical illness insurance, it is easy to ruin the situation of inverted premiums. At this time, priority is given to benefit-based cancer insurance.

Cancer insurance can replace critical illness insurance, the purpose is to target cancer, malignant tumors, carcinoma in situ, etc. are mostly within the protection liability, if the insured suffers from the cancer agreed in the contract, the insurance company will pay a lump sum insurance benefit according to the contract. For serious illness insurance, cancer insurance not only has a small age restriction (you can apply for insurance before the age of 75), but also has a very easy health notice, even if you have a small problem like the three highs, you can still apply for insurance.

The premium for cancer insurance is relatively cheap, and you can get 100,000 yuan for one or two thousand yuan. For more information about cancer insurance, please read this note if you are interested"Cancer insurance, the most reliable way to buy it!" 》

3. Accident insurance.

Usually when parents are old, it is inevitable that their legs and feet will be unstable, and they may encounter some small accidents, bruises, and injuries at this time, accident insurance is a good thing. When adding accident insurance to the elderly, it is necessary to pay attention to the amount of insurance for accidental medical treatment, and of course choose a higher one. To find out what excellent accident insurance is available in 2021, see here:

"In 2021, the most popular accident insurance worth buying is here".

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Parents should buy insurance like this: first consider whether the parents have configured social insurance and simple insurance, because social security is the most basic and powerful protection, and then consider whether to configure perfect basic personal protection products, that is, critical illness insurance, medical insurance and accident insurance, and then buy financial insurance products, such as commercial pension insurance. Here are also some cost-effective commercial endowment insurance suitable for parents, you can take a look:

Top 10 commercial endowment insurance in terms of cost performance!

In fact, we give priority to medical insurance + critical illness insurance + accident insurance when we buy insurance regularly, and we have a sufficient budget plus life insurance. However, if Liang Nafu buys Min Jian insurance for his parents, the leverage of critical illness insurance is very low, which is why we need to give priority to millions of medical insurance. Since the Million Medical Insurance has high requirements for the physical health of the insured, if the parents are unable to purchase the Million Medical Insurance, they can try the cancer prevention medical insurance.

To buy insurance for parents, you must first improve the basic protection of your parents and purchase accident insurance and health insurance for your parents.

Accident insurance purchase: because accidents may occur at any time and unpredictable, so it is necessary to configure the right accident insurance for parents, accident insurance is generally a one-year short-term product, the premium is low and the insurance amount is very high, the insurance age is generally 0-65 years old, you can choose to buy cost-effective accident insurance products for parents, it is recommended to choose additional products with accidental injury medical treatment when buying accident insurance for parents, so that if the parents usually bump and bump, cat paw dog bite **, Insurance companies will also reimburse you on a contractual basis, not just for accidental death, death and dismemberment. If the age of the parents is over 65 years old, you can take a look at some old age accident insurance for the elderly on the market, and the insurance age will be relaxed.

Serious diseases, especially cancer, often make people "talk about tiger color", and parents' health issues also need to be paid attention to. If the age of the parents is not more than 50 years old, you can also grab the small tail of critical illness insurance and insure a critical illness insurance for your parents, if the age of the parents is more than 50 years old, not only the review will be stricter, but you may not be able to apply for insurance because of age, and it is not very cost-effective to buy critical illness insurance, and there may be a phenomenon of inverted premiums, which can provide protection for parents to choose elderly cancer insurance as a substitute for critical illness insurance, and the insurance age of elderly cancer insurance is generally 50-70 years old.

Medical insurance is also required for parents. With the increase of parents' age, physical fitness is also declining, and they are more likely to suffer from diseases.

In addition, it is recommended that if you are insuring your parents, you can apply for insurance as soon as possible, as early insurance will not only make the premium cheaper, but also enjoy the protection earlier.

To buy health insurance for parents, it is recommended to consider malignant tumor insurance first, because malignant tumor is one of the common high-incidence diseases of the elderly, in case of high costs, if you can buy a malignant tumor insurance for your parents in advance, you can have more abundant funds for them to accept better ** and recover their health as soon as possible. Malignant tumor insurance is generally able to apply for claims with the diagnosis certificate after diagnosis, without the need to provide reimbursement documents. The insurance money obtained can be used to pay for expenses, which can alleviate the financial pressure to a certain extent, so that parents no longer worry about the cost and accept it with peace of mind, which is more beneficial to them.

In addition, the premium of malignant tumor insurance is relatively cheap and cost-effective.

Purchase strategy: 1. The sum insured is moderate.

At present, the most malignant tumors in China generally require hundreds of thousands of yuan, and middle-aged and elderly people generally have social security or NCMS, so it is recommended to consider purchasing commercial insurance with a limit of 10-150,000 yuan as a supplement. Of course, if you have enough budget, you can also choose a higher sum insured.

2. The insurance period can be longer.

As we age, the likelihood of developing malignancy increases. Therefore, it is best to cover the insurance period for a longer period of time, such as after the age of 80. In this way, there is no need to worry about not being able to re-insure after the expiration of the insurance period, forming a risk gap.

3. Choose a long-term payment period.

The longer the payment period, the less premium you have to pay in each installment, and the less pressure you have to pay. Once a claim occurs during the payment period, the subsequent premiums of general insurance products do not need to be paid.

4. The sooner you buy, the better.

The older you are, the higher the likelihood of developing the disease. Therefore, the sooner you buy, the sooner you will be covered and the premiums will be cheaper.

Eight reasons to buy Cheonan "Lucky Tree": Health insurance that can be purchased over 60 years old.

1. The insurance products recommended by the people, even the products that civil servants and regulatory departments are excited about, have not been seen before, and may not be seen in the future.

2,80 severe diseases + 35 mild diseases + terminal illness (diseases that cause significant damage to the body due to unknown causes that are not within the scope of the diseases specified in the contract) + lifetime coverage.

3. Rare full exemption products in the market: mild illness waiver, severe illness waiver, death or total disability waiver (double waiver for the policyholder and the insured).

4. Health insurance that can pay up to 6 times, 5 times for mild illness, and 1 time for severe illness.

5. Health insurance that can still be bought at the age of 60, with a maximum loss ratio of 230%, the premium will not be upside down, and the 55-year-old can still choose a 20-year payment period, and the premium will be waived.

6. Health insurance for the elderly, for example: 0-year-old boy, pay more than 4,000 per year, pay for 20 years, you can enjoy 500,000 high protection, 60-year-old account is worth 250,000, and 80-year-old account is worth 400,000.

7. Definitely not afraid of comparing products, a product that no insurance company on the market can compare and surpass.

8. Let you see a doctor without spending money High insurance amount does not cost money from now on Example: 30-year-old male, 500,000 sum insured, 20 years of payment, annual payment, if you do not suffer from one of the 35 kinds of mild diseases after ten years, the company will pay 100,000 yuan directly, and the later premiums will be waived, if you suffer from one of the 80 kinds of serious diseases, the company will pay another 500,000 yuan, a total of 600,000 yuan. 400,000 yuan for medical treatment, according to the minimum reimbursement ratio of 55% of medical insurance, 220,000 yuan can be reimbursed, and there is still 400,000 yuan left, in addition to the actual premium paid of 10,000 yuan, and finally 300,000 yuan can be left, which can be counted as ** later ** fee and income loss fee.

Such a good product, fleeting, the opportunity will not come again, pre-order as soon as possible!