How to take your parents to buy insurance, how to buy insurance for your parents

If you want to configure insurance for your parents, you can configure it through the offline outlets of the insurance company, or you can apply for insurance through the Internet insurance sales platform, such as the insurance company's official **, official WeChat or exclusive APP.

If you are buying insurance for your parents through the Internet, you can take a look at this insurance strategy: Is it reliable to buy insurance online? What is the difference between online and offline insurance?

As long as the insurance product is configured through formal channels, it is relatively reliable to sign an insurance contract with the insurance company in the end. It should be noted that when you allocate insurance to your parents, you should choose the right insurance product according to the actual protection needs of your parents. Under normal circumstances, the senior sister suggests that you can configure critical illness insurance, million medical insurance and accident insurance for your parents.

1. Critical illness insurance.

As the parents get older, the body's immune function gradually declines, and the risk of serious illness is higher. Therefore, it is very necessary to allocate a critical illness insurance to parents in a timely manner, which can effectively transfer the economic risks caused by critical illness and reduce the financial burden of the family.

However, the upper age limit of many critical illness insurance products on the market is 55 years old, and if parents exceed this age, it may be difficult to find suitable critical illness insurance.

2. Million medical insurance.

Senior sister also mentioned that elderly parents are more likely to get sick, and it is necessary to configure a million medical insurance at this time, which can reimburse the reasonable expenses incurred due to illness, and a premium of a few hundred yuan can buy millions of insurance amounts, which is cost-effective.

Of course, if you can't buy your favorite million-dollar medical insurance, you can also configure a cancer prevention medical insurance.

3. Accident insurance.

Accidents are ubiquitous and unpredictable, elderly parents are slower to react, small bumps are inevitable, serious and even need to be taken care of, accident insurance is likely to come in handy.

At the end of the article, the intimate senior sister has compiled a list of insurance products suitable for parents, and friends in need may wish to refer to it: ten insurance points that are super suitable for the elderly to buy!

Go to Hong Kong to buy it, and buy it by the way when traveling.

Due to the hindrance of age and physical health problems, parents can choose from many insurance products. As older parents become more likely to get sick, they should buy insurance even more!

Often, it is advisable for elderly parents to purchase accident insurance and health insurance with relaxed cancer insurance and cancer medical insurance.

1. Cancer prevention medical insurance.

The older the parents, the higher the incidence of diseases, such as stroke, three highs, etc., will be more common in the elderly group, and it will also cost a lot of money to treat, which will greatly increase the economic pressure for ordinary families.

If you have health insurance, you don't have to worry about not having money**. There are many items that can be reimbursed by million medical insurance, whether it is outpatient, surgical or inpatient expenses, the general reimbursement ratio can reach 100% if the cost exceeds the deductible of 10,000 yuan. You only need to insure a few hundred dollars a year, but you can get millions of insurance coverage.

If the elderly are in very poor health and cannot be insured in the face of millions of medical insurance with strict health notices, but they still want to have a medical protection, they can buy cancer prevention medical insurance.

In the form of payment, cancer medical insurance is a reimbursement type, that is to say, the insured will be reimbursed for the expenses spent, this type of insurance is low, the sum insured is high, and the hospitalization or special outpatient expenses caused by cancer can be compensated. If you want to know more about cancer prevention medical insurance, you can come to learn more"What you need to know about cancer medical insurance!

2. Benefit-based cancer insurance.

The elderly basically can't buy a suitable critical illness insurance, because the critical illness insurance has certain restrictions on the physical condition of the policyholder. Even if you buy critical illness insurance, there is a high chance of a premium inversion. In this case, you can directly consider the benefit-type cancer insurance.

Critical illness insurance can be replaced by cancer prevention insurance, the purpose is to target cancer, insurance liabilities mostly include malignant tumors, carcinoma in situ, etc., if the insured suffers from cancer covered by the contract, the insurance money agreed in the contract will be given to the insured by the insurance company in a lump sum. Compared with critical illness insurance, cancer insurance not only has a small age restriction (you can apply for insurance before the age of 75), but also has a relatively easy health notification, and minor physical problems such as three highs do not prevent you from applying for insurance.

Cancer insurance** is more affordable, and you only need to invest one or two thousand premiums per year, and you can get up to 100,000 yuan of insurance. For a more detailed analysis of cancer insurance, Senior Sister previously wrote a most complete strategy for cancer insurance, which can be clicked:"You must not know this about cancer insurance!

3. Accident insurance.

Usually when parents reach a certain age, it is inevitable that their legs and feet will be unfavorable, and there will be some sudden small problems, abrasions and bruises, and accident insurance will be very useful at this time. For accident insurance for the elderly, the first thing to look at is the amount of accidental medical insurance, the higher the better. Don't know what are the best accident insurances?

Take a look here:"2021, the strongest accident insurance collection".

[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.

Insurance for parents should be bought at a loss: the insurance that can provide basic personal protection is generally illness protection (critical illness insurance, medical insurance, etc.), accident protection (accident insurance), but if you are over 60 years old, it is not recommended to buy critical illness insurance, because it is easy to invert the premium and the health notice is more difficult to pass, so you can consider replacing it with cancer insurance. In addition, if the personal protection is relatively perfect, you can purchase financial insurance products, such as pension insurance.

Parents have generally reached retirement age and have little financial responsibility for the family, so life insurance is not a matter of consideration in the first place. However, it is easy for parents to buy critical illness insurance at this age to have the premium inverted, so critical illness insurance is generally not considered. For parents' insurance, we generally consider these three:

Accident insurance, cancer insurance and medical insurance. If you can't buy medical insurance, you can consider cancer medical insurance.

1.Healthy and parents-year, 3 million sum insured. You can buy medical insurance for more than 1,000 years, and you can reimburse more than 2 million medical expenses every year. 3.Accident insurance. The premium is more than 200 and 500,000 insurance.

When parents are old, the insurance they need most is these three types: million medical insurance, cancer insurance, and accident insurance.

Don't buy critical illness insurance because the premiums are high, the sum assured is low, and the leverage is low. If the parents are between the ages of 50 and 65, the Million Dollar Medical Insurance is preferred. If the parents are between the ages of 65 and 70, cancer medical insurance is preferred.

If your parents are over 55 years old, you can consider medical insurance, because medical insurance does not have any restrictions on diseases, as long as you are hospitalized, the insurance company can reimburse the hospitalization expenses on a proportional basis, and the amount of insurance can also be very high. In addition, you can also consider cancer medical insurance, which only covers hospitalization expenses caused by cancer, and the cost is lower than that of ordinary medical insurance.

1.Healthy and parents-year, 3 million sum insured. 2.

If you have physical problems and are 65 years old, you can buy medical insurance, with a premium of more than 1,000 years, and you can reimburse more than 2 million medical expenses every year. 3.Accident insurance.

The premium is more than 200 and 500,000 insurance.

Don't buy critical illness insurance because the premiums are high, the sum assured is low, and the leverage is low. If the parents are between the ages of 50 and 65, the Million Dollar Medical Insurance is preferred. If the parents are between the ages of 65 and 70, cancer medical insurance is preferred.