What types of insurance should be considered when buying insurance in old age after the age of 50 ?

Hello this friend, after entering the age of 50, there will be a little obstacle to buying insurance, but if you meet the conditions, you can configure accident insurance, critical illness insurance, medical insurance and life insurance.

How should the 50-year-old middle-aged and elderly configure insurance? Please see here: "50-year-old middle-aged and elderly people should configure insurance, they should do this!" 》

What insurance should I buy at 50?

1. Accident insurance.

Since we can't predict when the accident will come, accident insurance can avoid the risk of accidents, and accident insurance** is relatively cheap, and health notices are relaxed, so 50-year-old people are suitable for buying accident insurance.

2. Million medical insurance.

The premium of million medical insurance is relatively cheap, and adults generally only need a few hundred yuan a year to get medical protection with a million sum insured, and the cost performance is still good.

Million medical insurance can reimburse the medical expenses incurred in the treatment of diseases, provide serious illness medical protection, and the reimbursement is large, but the 50-year-old people have some minor problems, and the health notice of the million medical insurance is relatively strict, and you need to pay attention to it when applying for insurance. If you are in good health, Daddy recommends that you give priority to buying a million medical insurance.

3. Life insurance Life insurance is more suitable for the breadwinner of the family.

As for whether it is suitable to buy life insurance at the age of 50, it depends on the budget, because the older the age, the more expensive the premium, and the children of the 50-year-old group are basically of working age, and the responsibility will be greater and greater, so you can consider configuring it for them.

4. Critical illness insurance.

Dad thinks that 50-year-old people are not very suitable to buy critical illness insurance, because the health notice of critical illness insurance is relatively strict, and it is restricted for some people with diseases, after all, people may have some physical problems when they reach the age of 50 and cannot pass the health notice.

Dad concluded that which types of insurance are suitable for 50 years old need to be decided according to physical condition and budget.

1. Cancer prevention medical insurance

For 50-year-old middle-aged and elderly people, many millions of medical insurance can no longer be bought.

At this age, the elderly will inevitably have some minor physical problems, such as high blood pressure and diabetes, which will lead to health notices, and it is even more difficult to buy millions of medical insurance.

Cancer medical insurance, you can understand it as a simplified version of the million medical insurance, which only covers cancer, and the payment method is the same as that of the million medical insurance, which is to see a doctor first and then reimburse.

Moreover, they are all medical insurance, so the selection skills are similar. When buying, there are 2 main points to look at:

First of all, look at the terms and conditions to see if the renewal conditions are beneficial to us;

Secondly, looking at the stability of the product, it is recommended that you give priority to buying products that are easy to renew and have strong stability for your parents.

2. Comprehensive accident insurance

As the elderly get older, the risk of accidental injuries also increases, such as falling up and down the stairs, scalding from cooking, slipping and breaking bones in the shower, etc.

Especially for fractures in the elderly, we must pay special attention to them. Because the bones of the elderly are brittle, it is easy to fracture, and once the fracture is broken, the recovery is very slow, and even many elderly people lose their lives because of fractures.

For example, the mortality rate of hip fractures in the elderly is very high.

In view of the problem that the elderly are prone to injury, there is now an accident insurance specially developed for the elderly on the market, which can reimburse the cost of hospitalization for fractures, and some products can also reimburse the money for calling an ambulance.

It's not about which types of insurance are considered.

It's that there are not many things to buy, and the choice is relatively small.

Social security is standard, let's not talk about it. And then talk about commercial insurance.

Divide the rich and the poor, the healthy and the unhealthy.

1. Rich and healthy, medical care, must buy. No matter how old you are, medical care is a must-buy. If you have more money, you can buy better high-end medical care, with various services, and it is appropriate to increase the happiness index of medical treatment.

Cancer insurance, buy.

Critical illness can also be bought, after all, if you have money, you are not afraid of inverted premiums, you can buy it if you want to. Let's see for yourself, because although the premium is upside down, there are minor illness waivers or multiple claims for cancer. Or you can buy consumer ones.

Accident insurance, buy, inexpensive and useful. When I'm older, sometimes there are a lot of bumps.

Life insurance, there is also the problem that the premium may be upside down, just like a critical illness, whatever, you can buy it if you have money, it has the function of designated beneficiary inheritance, and it is not easy to fight when there are more descendants. I can give money to people who want to give money. You can also come with a will.

This one is more professional and you can consult a lawyer. After all, now the Civil Code is there.

Various types of financial management. Whatever, anyway, if you have money to burn, you will be willful.

Unhealthy: Then look at it. Medical, multiple companies are insured, which underwriting requires which one. Cancer prevention can be bought. Accidents can be bought.

2. No money. If you are healthy, you must buy medical treatment, and renew the policy until the premium is too expensive for you to pay. Then accidents can, and accidents are not expensive. For the rest, you may not be able to do anything if you want to buy it.

Unhealthy, medical, if you can't buy it, buy cancer prevention and accidents. Because unhealth is also divided into degrees of unhealth, you can buy insurance from multiple companies to see which one can be insured.

In addition, there are many of the most advanced Huimin insurance, which is cheap and has a low threshold, which is suitable for low-income people and middle-aged and elderly groups with underlying diseases. This one can. If you have the ** over there, you will buy it.

It's a bit messy.,If you don't understand it, add it.。

What should the middle-aged and elderly pay attention to when configuring insurance?

Cancer insurance instead of critical illness insurance: Middle-aged and elderly people are not recommended to configure critical illness insurance, first, it may be difficult to choose the right product through health notification, and second, the premium of critical illness insurance is proportional to age, even if the insurance is successful, it may face the phenomenon of premium inversion, and the total sum insured is lower than the total premium, which is not cost-effective. However, cancer insurance has a relaxed health notice and low premiums, which can transfer the cancer risk with the highest incidence among critical illnesses, and is suitable for middle-aged and elderly people.

Considering that the greatest risks faced by middle-aged and elderly people mainly come from diseases and accidents, it is recommended to buy insurance in the following order: social security, accident insurance, hospitalization medical insurance, elderly cancer insurance, annuity insurance, and whole life insurance.

Annuity insurance: If people aged 30-40 should start to consider the issue of pension, then the 50-year-old group can be said to be ready to enter the stage of pension. At a certain point in time, the insured can receive a sum of money every year, and pure annuity insurance can often be received for life.

Compared with the high risk of P2P and the low return of deposits, it is much safer and more stable, if you want to make a steady investment, and want to live a decent retirement life, you can configure annuity insurance.

Whole life insurance: If you have a large family and want to pass on your wealth in an orderly manner through life insurance, whole life insurance is undoubtedly the best choice. For example:

You can achieve your own wealth inheritance plan by insuring a high amount of whole life insurance and specifying the beneficiary share of your family, and whole life insurance also has the functions of wealth appreciation and debt isolation.

Just buy social security pension and medical insurance. Commercial insurance, if you have the ability, you will be considered.

When buying insurance after the age of 50, try to consider buying health and accident insurance, such as critical illness insurance and accident insurance. Because at this age, I can't afford to be sick or injured.

Million medical insurance, consumer-based critical illness insurance, accident insurance, you need to know that it can help you!

Serious illness and chronic disease insurance are the first things to consider, and then there is pension insurance.

50-year-olds are more suitable to buyMedical, accident and cancer insurance

1. Medical insurance:Older people are prone to illness, and medical insurance can cover the cost of seeing a doctor**.

The importance of medical insurance for the elderly is still very strong, and as people get older, their health deteriorates. However, medical insurance also has requirements for the age of the elderly, if the elderly are still in good health, and the age is not yet over 65 years old, you can consider buying some better protection million medical insurance.

If the elderly are more than 65 years old, then the medical insurance that can be purchased will be reduced, and the coverage content will be reduced accordingly, which is not very cost-effective, so it is not recommended for families with average economic conditions to buy medical insurance.

2. Accident insurance:The elderly have limited mobility and are prone to accidents, so accident insurance is a must.

The physical fitness of the elderly has deteriorated, and it is easy to fall and be injured when they are bumped and bumped, and traffic accidents may also occur because of the slow reaction of the elderly. Now that basically all insurance companies have launched some accident insurance, how to choose so many elderly people? You can refer to this article:

"In 2021, the most worthwhile accident insurance for the elderly is these".

3. Cancer Insurance:The older you are, the higher the cancer rate, and at the age of 50, you can consider cancer insurance with a low insurance threshold and relaxed health notice.

It is relatively difficult for the elderly to buy critical illness insurance, and even if they find a critical illness insurance that the elderly can buy, the premium is on the high side, and the cost performance is not high. At this time, we can buy a cancer insurance for the elderly that has relatively low age restrictions and physical conditions. The elderly are at risk of cancer in many cases, and the cost of cancer is also a relatively large amount, if you unfortunately have cancer, the pressure caused by the cost of cancer will also be temporarily alleviated because the elderly can get a compensation for cancer insurance.

[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.

After the age of 50, people in this age group can buy some medical insurance, accident insurance and some investment-based insurance.

Older people are more likely to develop their own disease than other groups. The first thing to consider should be medical insurance, especially hospitalization medical insurance.

The probability of accidental injuries in the elderly population is higher than that of other age groups, especially traffic accidents, accidental falls, fires and other accidents are more serious to the elderly. Therefore, accident insurance should also be an important option for the elderly to purchase insurance.

Seniors who have a lot of money can choose some investment-type insurance. If you want to maximize the survival of your estate, you can purchase a high amount of death insurance.