What are the insurance products for 65 year olds?

People aged 65 can also take out insurance products such as cancer insurance, medical insurance and accident insurance.

The upper age limit of cancer insurance is high, and the underwriting is relatively relaxed, and some elderly people in their 70s have the opportunity to successfully apply for insurance, which is very friendly to the elderly group.

Here, the senior sister also compiled a detailed elderly insurance purchase guide for everyone, and those who need it can take a look: what is the insurance for the elderly, what insurance is good for parents, you need to know.

65-year-olds can try to buy critical illness insurance and medical insurance with a low threshold, and if they can't buy critical illness insurance and medical insurance, they can buy cancer insurance and cancer medical insurance, and accident insurance is also an insurance that the elderly can insure.

1. Critical illness insurance and medical insurance.

Compared with young people in good health, 65-year-old people have poor physique and are prone to serious illnesses, and the cost of many serious illnesses is relatively high, so it is very necessary to purchase critical illness insurance and medical insurance to transfer the financial burden. Regarding the role of critical illness insurance and medical insurance, this article has explained, you can have an in-depth understanding: after reading these points of medical insurance, you will know why you should buy critical illness insurance.

2. Cancer prevention insurance and cancer prevention medical insurance.

Critical illness insurance and medical insurance generally have higher requirements for the health of the insured, and if the 65-year-old is not in good health, the insurance company will often refuse to underwrite it. If you can't buy critical illness insurance and medical insurance, then we can buy cancer insurance and cancer medical insurance for the elderly, these two types of insurance are to protect cancer with a high incidence, and the protection content is relatively simple, so the insurance threshold is usually not too high, and the elderly also have a high chance of being successfully insured. You can also check out this article to learn more about what cancer insurance and cancer medical insurance are:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

3. Accident insurance.

Accidents can happen to anyone anytime and anywhere, and the elderly are more likely to have accidents due to their declining physical functions and inconvenient mobility, so they need to be equipped with an accident insurance protection. The protection responsibility of accident insurance is relatively simple, the insurance threshold, and the 65-year-old can also buy suitable accident insurance. In order to make it easier for the elderly to find the right insurance, the senior sister also sorted out this list of elderly insurance, don't miss it:

Ten insurance points that are super suitable for the elderly to buy!

It is very difficult to find people over 65 years old in China, to be honest, and there are generally certain requirements for the health of the elderly. Do you want to buy critical illness insurance, or just regular insurance?

Seniors over the age of 65 can buy insurance such as accident insurance, cancer insurance and medical insurance.

1. Accident insurance: especially the accident insurance with accidental medical insurance, the elderly have poor physical fitness and response speed, and are prone to accidents, and accidents will cause greater damage to the body of the elderly, and accident insurance with accidental medical treatment can effectively share the pressure of the family.

2. Cancer insurance: It is a kind of critical illness insurance, which mainly provides protection for cancer. Due to age and health restrictions, the elderly generally cannot buy critical illness insurance, and even if they can be insured, they need to pay high premiums, and they can buy a cancer insurance as protection.

3. Medical insurance: Compared with critical illness insurance, the underwriting is more lenient, and it mainly covers the expenses incurred when the insured needs to be hospitalized due to illness or accident. The elderly are susceptible to diseases and accidents, so it is also necessary for 65-year-olds to buy medical insurance.

4. Million medical insurance: major and minor illnesses can be reimbursed, with a maximum reimbursement of 1 million. Whether it is outpatient, surgical or inpatient expenses, the part over 10,000 yuan can be reimbursed 100%.

Cancer and other major diseases are 100% reimbursed with 0 deductibles, and there is no limit to social security drugs, and the reimbursement amount is as high as 1 million! The premium is low, you can pick within 2000, this **, even if the parents have a copy, it will not cause the family financial burden at all!

Extended information: Avoid these places when buying insurance for the elderly:

1. Don't buy life insurance for your parents! Life insurance, as the name suggests, is insurance that will only pay out when the insured dies and becomes completely disabled. The main role of life insurance is to prevent the collapse of the family economy caused by the sudden death of family economic payment, and most of the elderly are close to or have reached retirement age and do not bear family financial responsibility, so there is no need to buy it!

2. If you don't have enough budget, don't buy critical illness insurance! Many people are worried that their parents will get seriously ill in the future and will consider buying critical illness insurance for their parents, but Baoyujun does not recommend families with low insurance budgets to buy critical illness insurance for the elderly. The main reason is that the premium of critical illness insurance is too high, and the 60-year-old man buys 500,000 yuan of critical illness insurance, even if it is a very cheap critical illness insurance, he needs to pay more than 10,000 yuan per year, which is a big burden for many families!

Critical illness insurance, medical insurance and life insurance for 65-year-olds may not be available, first, it is not cost-effective, and second, it is past age.

Many people don't know what insurance to buy for their parents, mainly because they don't know enough about insurance. I recommend you to take a look at this guide from my fatherHow to buy insurance for middle-aged and elderly people? What kind of insurance can I buy for my parents?

You can understand it at a glance

1. Prioritize the allocation of accident insurance

People over the age of 65 are not as good as young people because they are older and less physically fit, so it is inevitable that some small accidents will occur.

There are many accident insurance products for the elderly, and they are cheap, which is a cost-effective product, and the product has a low insurance threshold.

It is recommended that when children buy products for the 65-year-old, the basic insurance amount of the accident is more than 100,000 yuan, and the accidental medical treatment reaches more than 10,000 yuan, so as to play the role of insurance.

2. Configure cancer insurance as needed

There is a type of insurance that specifically covers cancer, called cancer insurance. There are two types of cancer insurance, one is cancer insurance, which is similar to critical illness insurance, which will be paid if cancer is diagnosed; There is also cancer medical insurance, which is similar to medical insurance, which is used to reimburse the cost of cancer**.

This type of insurance has low costs, high coverage and loose health notices; High blood pressure, coronary heart disease, etc. can be insured.

The elderly have a much higher chance of developing cancer than young people, so it is necessary to allocate a suitable cancer insurance for the elderly. Moreover, cancer insurance is generally 70 years old, and some products can even be insured under the age of 75.

It is recommended that the 65-year-old purchase cancer insurance with an insurance amount of not less than 200,000 yuan, because the insurance amount is too low and the protection effect is not obvious, and families with good economic conditions can increase the insurance expenditure.

Answer: This age group can focus on accident insurance. Because accident insurance has the characteristics of low premiums and high personal protection, the insurance rate before the age of 65 is mostly the same as that of young people, and the first choice is accident insurance and accident medical insurance.

2. As for the protection and medical treatment of serious illness, it is recommended to improve the urban medical insurance, and the cost of commercial critical illness insurance is too high, and the premium may be upside down, so it is not recommended to buy it.

3. Regarding supplementary pension, supplementary pension can be achieved through regular investment, a few hundred yuan per month, an investment of 10 to 15 years, and the accumulation of pension.

No matter what age you are, what your status, or what your wealth status is, you all need insurance protection. Although there are not many insurance products to choose from for the elderly, they must not be left without protection. The most important thing for the elderly to configure insurance is to suit the needs of the elderly themselves, so that the insurance they buy can give full play to its role.

If you have comprehensive critical illness insurance during your employment, you can supplement an accident insurance, the cost is not high, medical insurance is a must, and commercial medical insurance is too expensive, and it may not be insured.

If the elderly over 60 years old want to buy insurance, there are probably no ten boxes, only one accident insurance, and pay 210 yuan a year, so you can buy it.

Birth, old age, sickness and death are problems that everyone has to face, and the following figure shows the incidence curve, it is not difficult to see that the older the person, the higher the chance of getting sick.

Generally speaking, the best advice for the elderly to configure insurance:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

Medical insurance is the most important medical security for 99% of the elderly, and there are no requirements for age and health, which can be bought, especially for the elderly who cannot be insured by other commercial insurance, medical insurance plays a very big role.

2.Medical insurance

The elderly are at high risk of disease, such as diabetes, high blood pressure, rheumatoid arthritis, cancer, etc.

As an Internet celebrity in the medical insurance industry, millions of medical insurance can leverage millions of protection for only a few hundred yuan a year, whether it is outpatient, surgical or hospitalization expenses, as long as the deductible exceeds 10,000 yuan, the others can be 100% reimbursed in full, such as cancer and other major diseases, 0 deductible and all reimbursement. As a supplement to medical insurance, medical insurance can minimize the financial losses caused by family concealment. In order to help everyone save money on buying meat, I vomited blood and sorted out this collection of millions of medical insurance, which is not right or wrong, so I collected it and read it slowly"Top 10 [Worth Buying] Million Medical Insurance Points".

3.Cancer insurance

According to relevant statistics, the highest incidence of malignant tumors is the elderly. If the parents are affected by the purchase of million-dollar medical insurance due to poor physical condition, it is especially important to buy a cancer insurance policy.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Cancer insurance is really much cheaper than major illness insurance, and the insurance threshold is relatively low, even if you have three highs, diabetes, rheumatoid and other diseases, as long as it is not related to cancer, you can be insured.

4.Accident insurance

When people reach old age, they are naturally not as strong as before, osteoporosis, and often fall and fall or something, and the frequency of accidents is high. What's more, the physical recovery ability of the elderly cannot be compared with that of young people, and accidental injuries take a long time and require long-term medical expenses.

Therefore, it is necessary to buy a comprehensive accident insurance for the elderly as soon as possible. Accident insurance is generally available up to the age of 65, with low premiums and low health requirements. It's just that it's not so easy to buy a suitable product, so it's better to refer to the ready-made:

Freshly baked! A collection of the most worthwhile accident insurance products

Accident insurance, million medical insurance, cancer medical insurance and cancer insurance are suitable for seniors over 65 years old. If you are in good health, it is recommended to match accident insurance and million medical insurance; If there is a small problem in the body, accident insurance + cancer prevention medical insurance (or health notice loose million medical insurance) + cancer prevention insurance, to give the elderly the most comprehensive protection!

1. Accident insurance.

Accident insurance does not involve health notice, although there is also an age limit, but the elderly group can choose the elderly exclusive accident insurance. For the elderly, there is a great need for accident insurance protection. Because the elderly will continue to decline their physical functions as they age, their mobility and reflexes are not as rapid as before, which leads to a high risk of accidents.

2. Millions of medical insurance are selected depending on the situation.

In fact, the elderly over 65 years old buy millions of medical insurance, and there are many restrictions, and the health notice is not very friendly to them, and many products will turn away such people, 3. Cancer insurance.

Cancer insurance is mainly designed for the elderly, the insurance age is usually between 50-70 years old, and there is no physical examination, it is convenient to insure, and it is suitable for the elderly at 65 years old. Don't worry that you have three highs or can't be insured due to physical examination. Cancer insurance is mainly aimed at providing protection for cancer, which can be regarded as a "small but fine" insurance product.

It can be considered a very good choice for people who are unable to purchase critical illness insurance due to age or other problems.

4. Cancer prevention medical insurance.

The emergence of cancer medical insurance is mainly for those who cannot afford to buy millions of medical insurance. Its coverage is relatively simple, only covering cancer.

5. Million medical insurance.

Medical insuranceMedical insurance is an important protection for the elderly, and as they get older, there are more diseases. However, medical insurance is not available for all elderly people, and when the elderly are in good physical condition and are under the age of 65, they can consider purchasing a good million-dollar medical insurance on the market for the elderly.

If the elderly are more than 65 years old, then the medical insurance that can be purchased will be reduced, and the coverage will be reduced accordingly, which is not cost-effective, and it is not recommended that families with insufficient budget buy medical insurance for the elderly.

The age of 65 is a feng shui period, after the age of 65, you can't buy millions of medical insurance, the choice is limited, choose cancer insurance and accident insurance. For the elderly aged 65 or below, if they are in good health, they will give priority to millions of medical insurance and accident insurance, combined with cancer insurance. If there are three highs, choose cancer insurance to prevent the risk of cancer.

First of all, it must be clear that it is not what insurance to buy, but what insurance can be bought, and secondly, due to the age, the health is not so good, so there is no insurance to buy, mainly the following types.

Accident insurance to prevent medical expenses such as hospitalization due to injuries caused by accidents Cancer prevention medical insurance to prevent large hospitalization medical expenses caused by cancer Financial insurance, a means to prevent future generations from inheriting problems in advance, and finally, buy insurance while you are young, or you can't buy it until you are old.