If you want to buy a health insurance for your mother, everyone should give some advice and pay atte

Insurance is to protect the peace.

Taiping Life Insurance has a very good health insurance, which can be paid three times according to the sum insured for critical illness and once for minor illness, with a total of 320% of the total sum insured, which can cover basically all common critical illnesses at present. For specific details, please consult me 405478608

Hello! When buying health insurance for your mother, in addition to paying attention to the premiums, you should also give priority to purchasing inpatient medical insurance, and pay attention to the "guaranteed renewal" clause. The specific description is as follows:

1. The premium expenditure should be reasonable. When buying health insurance for your mother, it's a good idea to plan your insurance investment according to your annual income and expenditure. For families with stable incomes, it is appropriate to spend 20% of the annual household income on annual premiums, and the maximum should not exceed 30%.

2. Priority to purchase hospitalization medical insurance. As your mother gets older, the chances of hospitalization are higher, and once you are hospitalized, it is often a serious illness and the cost is higher, so remember to buy hospitalization medical insurance in the first place.

3. Pay attention to the "guaranteed renewal" clause. Because older people have a higher chance of getting sick again, if there is a "guaranteed renewal" clause in the insurance contract, the insurance company loses the right to underwrite the insured. On the contrary, if the product cannot be renewed, the policyholder can refuse to continue the insurance after the insurance liability accident occurs during the insurance period, and the insurance company pays the compensation.

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.

If the mother is in good health and not very old, then the organic scattering will buy insurance, and you can buy critical illness insurance, medical insurance and accident insurance for the mother. Senior sister has studied how to buy insurance for parents, and friends who don't understand can directly check this strategy to configure insurance for their parents:What are the insurance for the elderly, and what insurance is good for your parents, you all need to know

Everyone has the possibility of accidents, so it is best for everyone, including mothers, to configure accident insurance to transfer the financial risks caused by accidents.

The older you are, the more likely you are to suffer from a critical illness as your physical function continues to decline, so we should configure a critical illness insurance and medical insurance for your mother in time.

Critical illness insurance can cover a variety of common diseases, after the insurance, during the insurance period, if the mother is diagnosed with a disease that meets the agreed agreement, and meets the conditions for claims, the one-time payment of critical illness insurance can be used to pay for medical expenses, can also be used as living expenses, ** expenses, or to make up for the loss of income caused by illness and inability to work.

Medical insurance can be used to reimburse medical expenses. For example, the common million-dollar medical insurance usually has a reimbursement amount of millions, which can reimburse the large medical expenses remaining after deducting the deductible after social security reimbursement to reduce the burden of medical expenses.

However, critical illness insurance and medical insurance have higher requirements for the physical health of the insured. However, the health notice regulations of different products are different, if the mother has health problems, then we can compare different products and choose the health notice relaxed insurance. Senior sister will share a few health tips to increase our probability of successful insurance:

What are the tips for health notification when applying for insurance?

If the mother's health is not very good and she is very old, and she really can't buy critical illness insurance or medical insurance, we can also try to buy cancer insurance or cancer medical insurance for her to get protection against cancer, a high-incidence disease.

Cancer insurance or cancer medical insurance generally has relatively low health notification requirements other than cancer, so the chance of successful insurance with illness is relatively high. You can also check out this article to learn more about the effects of cancer insurance or cancer medical insurance:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

Hope.

Hello, yes, I have bought insurance for my parents, in the process of buying insurance, I must carefully read the terms of the insurance, and I can't just listen to the insurance officer! Be sure to watch it carefully!

Mainly look at the following aspects:

1. Look at the terms of the insurance. If people want to know exactly what the insurance is about before buying it, they need to look at the terms of the insurance. The insurance clause is the core content of the insurance contract signed between the insurance company and the consumer, which stipulates the rights and obligations contained in an insurance.

2. Look at the insurance liability of the insurance clause. In addition to the payment of fees and other items, the key content of the insurance clause is the insurance liability. Generally speaking, except for the insurance liability, the other contents of the insurance clause are basically the same, and the distinction between various insurances is mainly in the insurance liability.

Of course, sometimes it is also necessary to look at the exclusions, to see under what circumstances the insurance company can not be liable for compensation and payment; Sometimes, it is necessary to look at the regulations and notes that are unique to certain insurance products.

3. Look at the introduction of insurance products. Many people often can't understand the terms of insurance, so the most popular way to read the written material is to read the introduction of the insurance product. Since the insurance product profile may sometimes contain inaccurate expressions of packaging and beautification products, it is best to understand it in comparison with the insurance terms after understanding the insurance profile.

4. Understand how to pay and receive money. The core content of insurance that people need to understand is to pay and receive money. This includes three aspects:

One is how much money to pay and how much to receive in the future; the second is the time and method of payment, the time and method of receiving money in the future, such as how long, one-time or installment, etc.; The third is the conditions for receiving money, such as under what circumstances you can receive money, under what circumstances you can't receive money, and so on.

5. Implement the content of the understanding into words. Not everyone can read the written material on their own, so the most direct way to understand insurance is to listen to the salesman's introduction to insurance. There is only one key point at this point:

Write down what you have learned one by one, and find the corresponding part of the insurance clause one by one to confirm it.

6. Fill in the insurance policy truthfully and sign it in person. There is a lot to fill out on the insurance policy, and even some privacy content. Whatever it is, be sure to fill it out truthfully and sign it in person at the end.

Otherwise, the insurance company may refuse to pay or pay the insurance benefits on this basis in the future.

7. List comparison. If you're overwhelmed by the amount of information available to you, consider tabulating the features and pros and cons of each of the possible options and comparing them. The list is simple, you can start by listing a few features of each plan, a few advantages, and then a few disadvantages.

8. Find the most trusted person to buy insurance. Due to the complexity of insurance products, many people cannot distinguish the good and bad options in a short period of time, so the most convenient way to open your shirt is to find the most trusted person to buy insurance.

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!

You can consider Pacific's "Silver Health" and "Blessing", which are designed for the elderly, with low payment and high protection, and compensation can be paid for death in any situation, please consult (Pacific Liu Zhiping) for details

It is recommended to purchase a combination of Corning Whole Life and Cancer Prevention Insurance of Chinese Life Insurance to provide more comprehensive protection, and the insurance will refund the premium when the cancer prevention insurance expires.

It depends on your income and the age and needs of your parents. It is recommended that you purchase Chinese Life's Corning for life, with low payment and high protection, this insurance is obtained.

The most popular among the people" insurance.

If your parents are over 55 years old, you can only buy accident insurance.

How old are you, and you will be given a plan in a private chat.

What kind of medical expenses to solve at what age.

Hello! Welcome to Taiping Life's health insurance.

Hello! Welcome to Taikang Life.

Taikang's Cancer Insurance for the Elderly is very suitable.

Hello, need to find out how old your parents are and then how much coverage you need to buy to really take away your worries. If you can, you can chat privately for further understanding.

How old is your parent, depending on his or her age?

Hello, you can buy health insurance for your parents that does not require a physical examination, if you don't know, you can consult me.

Hello, depending on the age of your parents.

Hello, this is based on the age of your parents, to set up the type of insurance, if you want to know more about it, you can contact me. Peace be upon you!!

Hello, you can choose the most suitable insurance according to your age!

Hello, how old are your parents.

Recently, many friends have been telling me that they want to buy insurance for their parents, but it is very troublesome to buy insurance for the elderly, and many precautions are not clear. So what should we pay attention to when buying insurance for the elderly, let's take a look together.

Before buying insurance, you must first understand these insurance knowledge to prevent pits and fraud:

Before buying insurance, you must first understand these key knowledge points!

1. Exceeding the age limit for insurance products: The age limit for most insurance products on the market is 65 years old or under 60 years old, and the elderly over 65 years old basically cannot buy insurance products.

2.Health notices are extremely strict and easy to be denied: the elderly have more or less physical problems, for the elderly, it is normal to have chronic diseases such as diabetes and hypertension, but these diseases often become an obstacle for the elderly to buy insurance, especially medical insurance and critical illness insurance.

3.The sum insured is low, but the premiums are still expensive: the older you get, the smaller the maximum sum insured, and the more premiums you have to pay each year.

1.Critical illness insurance and cancer insurance

Parents, seniors aged 45-55, with sufficient budget, and parents in good physical condition, can buy a critical illness insurance or cancer insurance. Critical illness insurance is better than cancer insurance because cancer insurance only covers cancer, while critical illness insurance provides broader coverage. However, if you are not in good health and cannot take out critical illness insurance, you can choose cancer insurance, and the health notice is more relaxed.

You can take a look at the health notice of the loose critical illness insurance on the market:

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

2.Million Medical Insurance Cancer Medical Insurance

Parents and the elderly aged 45-65 years old can buy millions of medical insurance, which is a high-leverage insurance with low premiums and high insurance amounts. Generally, other expenses other than medical insurance can be reimbursed, and the deductible is 10,000 yuan, which can be used as a supplement to serious illness and medical insurance reimbursement. However, if you can't buy basic million medical insurance for people over 65 years old, you can retreat to buy cancer medical insurance, which is also relatively cost-effective.

3.Accident insurance

Parents and the elderly should buy an accident insurance, which mainly covers accidental medical treatment and accidental disability, accidental death. When my parents are older, their legs and feet begin to be inflexible, and they are more likely to bump and slip to the point of falling. In addition, the rate of accident insurance will not fluctuate too much with age, and it is not expensive for the elderly to buy, with a premium of one or two hundred yuan a year, you can buy hundreds of thousands of insurance amounts.

In this way, it is still necessary to configure a set of insurance for parents, and what to buy should be decided according to their own budget and the physical condition of the elderly.