What insurance does the old man pay for at the age of 55 now

Xueba talks about insurance, focusing on insurance evaluation! It is also necessary for the elderly to buy insurance, but which insurance is suitable for them? I recommend a high-quality article to everyone2000 pieces! Get your parents' insurance plan

Many families will be heartbroken to help the elderly buy insurance, this is because insurance will generally stipulate the age range and physical health of the insurance, etc., as long as the elderly do not meet one of the insurance, they cannot be insured, so the elderly can choose less insurance.

Generally speaking, these types of insurance can be selected for the elderly:

One is medical insurance. Medical insurance is a powerful protection for the elderly, who are older and have higher frequency of physical diseases. However, the upper age limit of medical insurance is low, and when the elderly are in good physical condition and under the age of 65, they can consider purchasing a good million-dollar medical insurance on the market for the elderly.

If the age of the elderly is higher than 65 years old, then there are not many medical insurance options to choose from, and the medical insurance that is allowed to be purchased is not very complete, in fact, it is not very cost-effective, if the family economic conditions are average, in fact, it is not recommended to buy this kind of product for the elderly.

The second is accident insurance. Some elderly people may be in poor physical condition, physical exhaustion, frequent injuries, and the elderly because of inconvenience, slow reaction and the probability of traffic accidents is relatively high, an accident insurance, can supplement a high-quality protection for the elderly. However, there are too many accident insurance on the market at present, which one should be chosen?

The third is cancer prevention insurance. In fact, it is difficult for the elderly to buy critical illness insurance, and even if they can buy it, it will be very expensive and cost-effective. At this time, we can choose a cancer insurance for the elderly, because the age limit and physical condition of the elderly are not high.

The elderly are at risk of cancer in many cases, and the cost of cancer is also a relatively large amount, buy a cancer insurance for the elderly as a protection, and the insurance will give a sum of money after cancer to alleviate the financial burden caused by the high cost of cancer treatment.

Friends who are worried about buying insurance for their parents, don't worry, I have compiled a complete strategy for your referenceWhat are the insurance for the elderly, and what insurance is good for your parents, you all need to know

For the 55-year-old to allocate insurance, it is recommended to give priority to the purchase of cancer insurance, million medical insurance, cancer prevention medical insurance and accident insurance.

Before we start the analysis, we might as well take a look at this popular science article:What are the insurance for the elderly, and what insurance is good for your parents, you all need to know

1. Cancer insurance

The upper age limit of many critical illness insurance policies on the market is 55 years old, and buying critical illness insurance at this age is prone to inverted premiums, which is not cost-effective. If a 55-year-old can't get the critical illness insurance of their choice, it's a good idea to buy cancer insurance.

Cancer insurance generally only covers cancer-related illnesses, so premiums are often cheaper than long-term critical illness insurance products at the same age of policy. If you want to know what cancer insurance products are worth buying, you can read this article:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

2. Million medical insuranceCancer medical insurance

Both Million Medical Insurance and Cancer Medical Insurance are reimbursement plans that can reimburse necessary and reasonable medical expenses. Million medical insurance usually does not distinguish between illness and accident, while cancer medical insurance mainly covers the expenses incurred due to hospitalization due to cancer.

However, if the 55-year-old cannot apply for the desired medical insurance, then it is also a good choice to purchase cancer medical insurance. Its insurance conditions are more relaxed, and the three highs can also be insured, which is more friendly to the elderly 55-year-olds.

3. Accident insurance

The physical fitness of the 55-year-old is not as good as before, and it is easy to have various accidents, so it is necessary to buy an accident insurance. Accident insurance is close to the people and will not cause excessive economic pressure. There are also accident insurance policies specially developed for the elderly, and some products can also reimburse the cost of hospitalization for fractures. Hope.

When many people get older, they are worried about how to buy insurance, and they often have no choice because of age restrictions and problems such as the elderly themselves suffering from underlying diseases.

Generally speaking, it is recommended to buy the following types of insurance for the elderly. ：

In fact, medical insurance is still quite important for the elderly, and as people get older, there are more physical problems. However, medical insurance will limit the age of the policyholder, if the elderly have basically no physical problems, and the age is not yet 65 years old, million medical insurance is more suitable. If the elderly are already higher than 65 years old, then there are not many medical insurance options to choose from, and the medical insurance coverage that can be bought is not complete.

Due to the poor physical fitness of the elderly, the probability of injury will be relatively high, and the elderly may also have a traffic accident because of their slow movement and lack of time to avoid the faster vehicles behind when walking on the street. With so much accident insurance, how can you choose the right one for the elderly? You can take a look at this article that I have compiled first:

"The most worthwhile accident insurance for the elderly in 2021 is here".

Generally speaking, it is more difficult for the elderly to buy critical illness insurance, and even if they can buy it, the premiums they need to pay are not low and not very cost-effective. At this time, you can consider buying a cancer insurance for the elderly, which has no high restrictions on the age and physical condition of the elderly. If the elderly are really unfortunate to suffer from cancer, they can apply for a claim after being diagnosed and get a compensation, at least they can have money to treat the disease and relieve economic pressure.

[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.

The elderly over 55 years old are older, and it is suitable to buy cancer insurance, cancer medical insurance, and accident insurance.

If you're in a hurry, you can just collect this guide: what are the [old people's insurance] and what insurance is good for your parents, you need to know.

Cancer insurance and cancer medical insurance are both specifically designed to protect cancer, but the payment methods are different, and the allocation can better transfer the risk of economic damage and loss caused by cancer.

Cancer insurance is a benefit type, after the insured is diagnosed with the agreed cancer, the insurance company will pay a lump sum of insurance, which can be used for **, and can also be used to maintain the family's daily expenses, repay the mortgage, etc.

Cancer medical insurance is a reimbursement type, which can reimburse the ** expenses caused by cancer, and the actual amount spent can only be reimbursed at most.

If you want to know more, you can poke this popular science: what is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

In addition, most of the products on the market have a wide range of insurance ages, and you can have the opportunity to apply for insurance in your 60s; The health information is also relatively relaxed, which is very friendly to middle-aged and elderly people with poor physical health.

Some friends may feel that only buying these two types of insurance is not comprehensive enough for disease protection.

You must know that it is generally difficult for people over 55 years old to buy medical insurance and critical illness insurance, and cancer is one of the most common high-incidence major diseases, and the middle and elderly stage is the high incidence period of cancer, so it is very practical to purchase this type of insurance.

Finally, accident insurance is to protect the risk of accidents, parents are old and prone to accidents, it is necessary to buy an accident insurance.

It is better for 55-year-olds to choose to buy cancer insurance, medical insurance and accident insurance. I have screened out these ten insurance products suitable for the elderly from the many insurance products on the market, and the details can be stamped: ten insurance that is super suitable for the elderly to buy!

When the insured unfortunately suffers from cancer, in the case of meeting the corresponding claim conditions, the insurance company will directly pay a sum of money, and a cancer insurance can be used to solve the cancer expenses of the elderly.

And the health notice of cancer insurance will be more relaxed, such as the three highs, diabetes, rheumatism and other people can be insured, 55-year-old people are a little old, the body will inevitably have some abnormalities, it will be easier to buy cancer insurance. If you want to know more about cancer insurance, you can poke: what is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

In addition, in terms of medical insurance, the 55-year-old is a little older, the physical function is declining, and it is inevitable to get sick.

In addition, in terms of accident insurance, the 55-year-old man's physical reflex is far less than before, and he is prone to accidents such as accidental falls and burns, so it is also necessary to configure an accident insurance. The content of accident insurance protection is relatively simple, and you can directly choose the products in this list: in 2022, the most worthwhile accident insurance is here.