Is there insurance for people in their 60s? I want to buy one for my mom

Hello! At present, although there is an age limit for insurance on the market, there are also types of insurance suitable for people in their 60s. In general, for your mother in her 60s, you should consider short-term protection products, such as one-year accident insurance and health insurance, which are relatively affordable and have higher protection.

The details are as follows: 1. Because the body is not as flexible as before, various accidental fractures occur from time to time, it is recommended that you give priority to products with accidental fracture protection when you purchase accident insurance for the elderly in their 60s, such as Taikang "Old Fortune" accidental fracture insurance, which can provide protection for accidental death and disability, accidental fracture medical treatment, and pay 100 yuan for bone density testing allowance, 20 yuan for accidental fracture hospitalization allowance, and 10 yuan for accidental fracture recuperation allowance.

2. After entering the old age, the health status of the vast majority of people is not as good as before, therefore, medical expenses have become an important expenditure for the elderly. There are health insurance products specifically for the elderly, and Elderly Care (including Critical Illness) Plan 1 Plus or Plan 2 Plus are good options.

Xueba talks about insurance, focusing on insurance evaluation! In fact, the sooner you buy the insurance, the better, but many people say that they don't know how to choose, and they haven't placed an order for a long time, in fact, you can take a look at this2000 pieces! Get your parents' insurance plan

Many people will worry about how to help the elderly at home buy insurance, mainly because the conditions of insurance are more restrictive, most of the conditions may not be met by the elderly, and there are fewer choices.

The following types of insurance are good choices for the elderly:

One is medical insurance. For the elderly, medical insurance is actually the best to have, and as they get older, there are more diseases. However, medical insurance is not available to all the elderly, if the elderly do not have many physical problems, and they are still under the age of 65, they can choose some of the current popular millions of medical insurance.

If the elderly are already above 65 years old, then there are not many medical insurance options to choose from, and the medical insurance coverage that can be purchased is not complete and cannot be drawn, so if the budget is not high, it is not recommended to buy it for the elderly.

The second is accident insurance. Many elderly people are not in good physical condition, falls, injuries are also common, and the elderly because of inconvenience, slow reaction and the probability of traffic accidents is also relatively high, for the elderly to buy an accident insurance can give the elderly more protection. There are many accident insurances, how to choose?

Let's take a look at this one firstIn 2020, the most worthwhile accident insurance is here

The third is cancer prevention insurance. We must know that the probability of the elderly buying critical illness insurance is basically not high, and the cost of buying a very small number of them is also high, and the cost performance is relatively low. Then for the elderly, a cancer insurance is a good supplementary protection, because the coverage of cancer insurance is very large, including the elderly and not in good physical condition.

The elderly are at risk of cancer in many cases, and the cost of cancer is also a relatively large amount, and the purchase of a cancer insurance can get compensation money after illness, which is used for treatment and relieves economic pressure.

If you still don't know how to buy elderly insurance, don't panic, this article may help youWhat are the insurance for the elderly, and what insurance is good for your parents, you all need to know

Many insurance plans have an age limit for purchase, and the elderly around 60 years old will be restricted from buying medical insurance, term life insurance, and critical illness insurance. Here's what you can buy for people around 60 years old:

1. Accident insurance: The premium of accident insurance around the age of 60 is not high, and you can get protection against accidental death, disability, and accidental medical treatment.

2. Critical illness insurance: You can buy consumer-based critical illness insurance around the age of 60, and as long as you are healthy, you can pay a small premium to get high protection.

3. Medical insurance: short-term medical insurance can not be purchased at the age of 60, although the protection period is only 1 year, but the protection is comprehensive and not limited to social security, which is very suitable for the elderly.

Many insurance companies have an age limit for purchase, and the elderly around 60 years old will be restricted from buying medical insurance, fixed slag life insurance, and critical illness insurance. Here's what you can buy for people around 60 years old:

1. Accident insurance: The premium of accident insurance around the age of 60 is not high, and at the same time, you can get protection for accidental death, burn disability, and accidental medical treatment.

2. Critical illness insurance: Around the age of 60, you can buy consumer-based critical illness insurance, and as long as you are in good health, you can pay a small premium to get high protection.

3. Medical insurance: short-term medical insurance can be purchased at the age of about 60, although the protection period is only 1 year, but the protection is comprehensive and not limited to social security, which is very suitable for the elderly.

To buy insurance for the 60-year-old, it is recommended that the insurance that can be considered is cancer insurance and accident insurance.

The reason why I say this is mainly because the age of 60-year-olds is not too young, and the physical condition of this group of people may not be very good; So if you want to buy suitable health insurance for the 60-year-old, it is really difficult.

Regarding insurance, if you don't know what insurance to buy for the elderly, you can click into this article to understand:What are the insurance for the elderly, and what insurance is good for your parents, you all need to know

Fundamentally, cancer insurance is also a kind of health insurance, but it is only for critical illnesses such as malignant tumors; In addition, the age range and health notice of cancer insurance are much more relaxed than those of critical illness insurance, so even the elderly in their 60s are relatively easy to successfully apply for.

It is also because the coverage of cancer insurance is relatively limited, so the premium required to insure the 60-year-old is not expensive, and it is quite cost-effective.

What is cancer insurance, how to buy it, which cavity ridge is good, comprehensive analysis, comparative evaluation

For 60-year-olds, the risk of accidents is more terrifying, especially accidental falls.

According to relevant data, in China, accidental falls are the "number one killer" of the elderly over 65 years old; And the older the older the person, the higher the likelihood of injury or death after a fall.

In addition to the huge risk of accidental falls to 60-year-olds, slips and falls in the bathroom, death from traffic accidents or burns are widely present in the daily life of the elderly.

Since accidents cannot be prevented in advance, it is also a worthwhile option to buy an accident insurance for 60-year-olds to reduce their financial losses caused by accidents.

In 2023, the most worthwhile accident insurance is hereHope.

The physical fitness of the elderly decreases with age, and the legs and feet become less flexible than before, so the risk of chakra closure increases. In this regard, you need to buy the right insurance for your parents in time to avoid risks for them. For the 60-year-old, it is no longer suitable for long-term insurance, not only the premium is inverted but also there is a risk of refusal.

For your parents who have just turned 60, there are consumer options available, such as accident insurance and health insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

There are many kinds of elderly insurance in the current insurance market, and it is not so simple to choose the right product"A Collection of Seven Most Suitable Insurance Products for the Elderly".

The following figure is a curve of incidence, which can be seen intuitively that after the age of 50, the probability of disease rises sharply.

In general, it is recommended that the elderly configure the following types of insurance:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

As the most basic security, medical insurance is a very important medical security for the elderly, and there are no restrictions on age and health, especially for the elderly who cannot purchase other commercial insurance, medical insurance is a lifesaver.

2.Medical insurance

The elderly have a high risk of disease, such as diabetes, high blood pressure, rheumatoid arthritis, cancer, etc. are very common, and once they suffer from it, they will inevitably take long-term medication**, which is a lot of medical expenses for ordinary families.

The annual premium of a few hundred yuan of medical insurance can leverage millions of insurance dollars to reimburse the reasonable medical expenses incurred by hospitalization, whether it is outpatient, surgical or hospitalization expenses, in addition to the need to pay 10,000 yuan out of pocket, the part of more than 10,000 yuan is fully reimbursed, and the major diseases such as cancer can be reimbursed with 0 deductible. Further reimbursement can be made on the basis of medical insurance to reduce the burden of expenses. In order to let everyone buy the most suitable products better, faster and more efficiently, here is a freshly released million medical insurance ranking, hurry up and take a lookFreshly baked!

Top 10 [Worth Buying] Million Medical Insurance".

3.Cancer insurance

In China, the elderly are the group with the highest incidence of malignant tumors. If your parents can't afford to buy a million medical insurance due to their physical condition, it is recommended to buy a cancer insurance for your parents.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Cancer insurance is much cheaper than heavy illness insurance**, and what's even better is that you can take out insurance even if you have diseases that are not related to cancer, such as three highs, diabetes, and rheumatoid.

4.Accident insurance

When people reach old age, their physical health is not as good as before, osteoporosis, falls and injuries also occur from time to time, and the frequency of accidents is high. In addition, the recovery ability of the elderly is also relatively poor, and it takes a long time to fully recover from an accidental injury, which requires long-term medical expenses.

The best way to solve these problems is to configure a comprehensive accident insurance for the elderly. Accident insurance can generally be purchased up to the age of 65, and the insurance is cheaper, and the health requirements are not high. But buying insurance is not like buying clothes, if you buy the wrong one, you will lose a lot of money, and reading my information may be helpful to you:

"Super bargain! In 2020, cost-effective accident insurance products are newly released

I'm sorry to tell you that there are very few insurance options for people over the age of 60.

First of all, critical illness insurance is basically refused, and only some companies have consumer insurance such as cancer insurance for the elderly that can be purchased, which costs 2,3000 a year.

The second is that accident insurance, whether it is a short-term or a long-term type, is directly rejected and will not be sold to you.

Finally, some financial insurance without high compensation, such as dividends, universal, investment links, etc., can be extended to the age of 70 as the policyholder can be purchased, but this kind of insurance only has a wealth management function and does not carry high compensation.

So it's a pity that you have awakened your insurance consciousness, but you don't have any insurance to buy.