Do you know what cancer insurance is good for? I want to insure the elderly.

If you want to buy cancer insurance for the elderly, you can buy filial piety, which is a cancer insurance for the elderly and is very popular now.

Xueba talks about insurance, focusing on insurance evaluation! How to buy insurance for the elderly? Which one is the best choice? You can click on the original article to view2000 pieces! Get your parents' insurance plan

Many people think that insurance for the elderly is more difficult to buy, in fact, the main reason is that there are often more insurance for the elderly and there are more restrictions on all aspects of the elderly, so there are not many insurance products for the elderly to choose from.

In general, it is more appropriate to choose the following types of insurance for the elderly:

One is medical insurance. Medical insurance is a powerful protection for the elderly, who are getting older and in better health than before. However, medical insurance has regulations on the age of the policyholder, and in the case of the elderly who are in good physical condition and are less than 65 years old, they can consider purchasing a good medical insurance for the elderly on the market.

If you are over 65 years old, the elderly can buy not too much content in the medical insurance, and the cost performance is relatively low, so it is generally not recommended to buy it for families with insufficient budget.

The second is accident insurance. In many cases, because the elderly are relatively weak, it is common for them to be injured in falling, and the probability of traffic accidents due to inconvenience and slow reaction is also relatively high. However, there are too many accident insurance on the market at present, which one should be chosen?

The third is cancer prevention insurance. Basically, it is difficult for the elderly to buy critical illness insurance, and even if they can buy it, they can only buy expensive premiums, and the cost performance will be very low. 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 prone to cancer, and the medical costs of cancer are generally very high, so buying a cancer insurance can get compensation after unfortunately suffering from cancer, so that there will be no money for treatment, and the financial pressure on the family will be relieved.

Finally, I have compiled for you a list of elderly insurance strategies that all children in the world deserve to haveWhat are the insurance for the elderly, and what insurance is good for your parents, you all need to know

There are many elderly insurance on the market, starting a suitable product can be described as looking for a needle in a haystack, it doesn't matter, I have taken it into account, if you can trust me, you may wish to take a look at this information, I have carefully selected:"Inventory of the Seven Most Suitable Insurance Products for the Elderly".

Critical illness insurance purchased by the elderly at this age may be rejected by the insurance company due to health notices, but there are other insurances that can be insured. Next, I will talk about the scientific ideas of insuring the elderly at this age for the subject's reference

People have birth, old age, sickness and death, is an unavoidable problem, the following figure shows the incidence curve, it is not difficult to see that after the age of 50, the probability of disease will be greatly increased.

To get back to the point, it is best to configure these types of insurance for the elderly:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

Medical insurance is the most basic and important medical security for 99% of the elderly, and there are no age and health requirements, especially for the elderly who cannot purchase other commercial insurance.

2.Medical insurance

The elderly are at high risk of developing diseases, such as diabetes, hypertension, rheumatoid arthritis, cancer, etc., and need to take medication for a long time**, and expensive medical expenses will also increase the burden on the whole family.

The role of millions of medical insurance is highlighted, as long as a few hundred yuan per year, you can leverage millions of insurance amounts, which can be used for reimbursement of inpatient medical expenses, whether it is outpatient, surgery or hospitalization expenses, if the medical expenses are more than 10,000, then all expenses after the self-payment of 10,000 can be reimbursed, if it is a major disease such as cancer, it can be reimbursed with 0 deductible. Reimbursement of the part outside of medical insurance can minimize the financial loss of the family. 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 in 2020".

3.Cancer insurance

The most common group of people suffering from malignant tumors in China is the elderly. If your parents are limited by their physical condition when they buy million-dollar medical insurance, it is recommended to buy a cancer insurance for their parents.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Buying cancer insurance is not as expensive as critical illness insurance, and you can also take out insurance with illness, such as three highs, diabetes, rheumatoid and other diseases that are not related to cancer, will not affect your insurance in the slightest.

4.Accident insurance

When people get old, their physical health is declining day by day, osteoporosis is very easy to fall and fall and get injured, and the risk of accidents is too high. In addition, the recovery ability of the elderly is also poor, and it will take a long time to recover from an accidental injury, requiring long-term medical expenses.

If you buy accident insurance, you can solve these problems very well. Accident insurance is generally available up to the age of 65, with inexpensive premiums and low health requirements. However, it takes a lot of effort to buy a suitable accident insurance product, it doesn't matter, I have also taken this into account, and the latest information is sent to you:

"Summary of Accident Insurance Products in 2020".

Critical illness insurance coverage.

The scope is greater than that of cancer insurance, that is, the coverage of critical illness = cancer + other critical illness.

In addition to cancer, acute myocardial infarction, blindness, loss of multiple limbs, paralysis, type I diabetes, etc., are all covered by the coverage of critical illness.

And now, in order to improve their competitiveness, many companies will add more diseases to their critical illness insurance in addition to the 25 types of regulations.

To look at the cost performance of critical illness insurance, in addition to the best of the best, it is also necessary to see whether the mild disease includes atypical acute myocardial infarction, mild stroke sequelae and other high-incidence diseases, as well as advanced non-thoracotomy and abdominal opening methods such as coronary intervention and minimally invasive surgery.

The health notice of critical illness insurance is very strict, and problems such as high blood pressure and diabetes cannot be insured, and these people can consider cancer insurance.

Cancer insurance is divided into cancer prevention medical insurance and cancer prevention disease insurance, the former is reimbursed and manages hospitalization medical expenses. The latter pays a fixed amount to ensure the discharge of life care.

As parents get older, various chronic diseases gradually come to the door, in this case, it is actually quite difficult to buy a comprehensive critical illness insurance, because ordinary critical illness insurance has a health notification threshold, and the elderly with many chronic diseases want to insure, basically they will refuse to insure. Moreover, even if the insurance is not denied, the premium is very expensive. Because the chance of serious illness in the elderly is too great, the corresponding rate will also be high.

Cancer critical illness insurance or cancer medical insurance provides such an opportunity. Because these two types of insurance are more friendly to the health of the elderly, those who have three highs or some minor illnesses and pains that are not related to cancer can be insured.

The maximum age for critical illness insurance is generally 50 or 55 years old, after which it cannot be purchased. The cancer insurance specially created for the middle-aged and elderly can relax the insurance age to 75 years old, and the elderly can also simply buy it.

Xueba talks about insurance, focusing on insurance evaluation! I have compared and sorted out the more popular million medical insurance in China into **, which may be helpful to you:"Super Complete! Comparison Table of Popular Million Medical Insurance in China

For friends who need to buy medical insurance, it is recommended to configure millions of medical insurance first, which is very cost-effective, and you can get millions of protection for a few hundred yuan. It has also done a very good job in the content of insurance, including surgery fees, material costs, anesthesia fees, examination fees, etc.

When buying million-dollar medical insurance, pay attention to the protection liability, exclusion clauses, renewal clauses, and "stability of sustainable insurance".

In terms of renewal, it is important to note that medical insurance is a short-term insurance product, so it is common to encounter situations where the insurance is successfully applied for in the first year, but it cannot be renewed in the second year because there is a small problem in the body during the year. For example, the following medical insurances are less friendly to renewal:

"When encountering these medical insurances, you must be careful! 》

Whether the product will be discontinued is an intuitive manifestation of whether the "stability of sustainable insurance" is good or not, and no one can make an accurate judgment except for the insurance company. Usually these points can assist us in making judgments: whether there are many people who buy, whether healthy individuals have joined, how competitive they are, the medical resources of the insurance company, and so on.

In addition, as an additional reminder, non-social security people usually buy medical insurance, which is more expensive than those who have bought social insurance, so social security should be paid well

First, compare the advantages and disadvantages of each of these two types of insurance.

1. Cancer insurance.

Advantages: The older you are, the more likely you are to develop cancer. Therefore, the protection of cancer insurance is more suitable for the elderly, and the coverage period is also very long. Even if the elderly suffer from common diseases such as diabetes and high blood pressure, it does not affect the purchase of cancer insurance.

Disadvantages: It can only cover cancer, not other major diseases, and the coverage is small.

2. Hospitalization medical insurance.

Advantages: Nowadays, many hospitalization medical insurance policies are low premiums and high sum insured, and the needs of daily medical treatment and illness protection can be met, so there is no need to worry about insufficient insurance amount.

Disadvantages: The insurance period is short, generally one year, and the insurance needs to be renewed every year, and there may be a risk that the product will be discontinued or the insurance content will be changed.

After comparing the advantages and disadvantages of the two types of insurance, I believe you already know how to choose. If the elderly in the family have been in poor health and suffer from some common diseases, they can choose cancer insurance; If the elderly are under the age of 60 and in good health, they can choose hospital health insurance. Of course, if possible, it is best to buy both insurances.

Medical insurance has relatively high health requirements for the elderly, there is a certain age threshold, and there is a risk that the policy cannot be renewed, but if the budget is limited, healthy and under the age of 60, medical insurance can be given priority.

If you are over 60 years old, have some abnormalities or chronic diseases, and have no way to buy suitable medical insurance, you can consider cancer insurance.

If you are eligible to buy it, it is recommended to buy both types of insurance.

Relatively speaking, the incidence of the disease in the elderly is relatively large, and it is recommended to prepare for both. After all, it's a reassurance.

It is necessary to buy cancer insurance, because the probability of cancer is relatively high, in case it happens, the medical expenses are very expensive, and the insurance is to play a small and large role, just in case, you can get a high claim after it happens.

However, it is slightly insufficient to simply buy cancer insurance, because in case the critical illness is not cancer, it will be a bit embarrassing if the claim cannot be claimed, so you can buy a critical illness insurance (which includes cancer) and add a cancer prevention insurance, so that it is more complete, and the protection against cancer is strengthened, and the premium is also reduced.

For details, please refer to:

Warm Baobao Club "20 Elderly Cancer Insurance Reviews, Which One Is More Suitable for Parents to Buy?" 》

1. Tell the truth. When applying for anti-cancer insurance for the elderly, the principle of good faith should be adhered to, and the policyholder should not conceal or falsely report the important facts such as health status and age that affect the insurance company's agreement to underwrite or increase the insurance rate of critical illness insurance, and should fulfill the obligation to truthfully inform the policyholder.

2. Learn to shop around. Buying insurance is not the most expensive is the best, and the elderly should buy insurance products that are cost-effective and suitable for themselves. You can choose a local insurance company in the same city.

3. Read the disclaimer clause clearly. The coverage of cancer insurance for the elderly is slightly different from that of traditional critical illness insurance, and policyholders should read the exclusion clauses clearly, understand the incidence of "non-compensated diseases" listed therein, and analyze them in combination with their own circumstances. Currently, most cancer insurance for the elderly only pays the benefit when the insured person suffers from cancer, and the premium will not be refunded if the insured person survives or dies due to causes other than cancer during the coverage period.

4. Choose the right way. There are many ways for the elderly to apply for cancer prevention insurance, including insurance company over-the-counter insurance, online insurance, insurance for the first person, etc.

1. It is recommended to have cancer insurance that continues to protect you if you have cancer.

The health notice of cancer prevention insurance in commercial insurance is quite relaxed, and chronic diseases such as hypertension, diabetes, and coronary heart disease can be insured. Moreover, considering the high chance of cancer and the long cycle, it is very difficult to get insurance that can continue to protect you if you have cancer.

Suggestion: Ping An Anti-Cancer Guardian 2018 Edition.

The biggest highlight: cancer can continue.

You can first take a look at a comparison between the peace of mind and life that is also cancer insurance and the 2018 version of Ping An Anti-Cancer Guard:

The 2018 version of Ping An Anti-Cancer Guard has a high coverage limit of 2 million, and its renewal rules are very unique: if the product is not discontinued, the policy can be renewed if the diagnosis of malignant tumors is not discontinued; Even if the product is discontinued, it can still cover the medical expenses of cancer for 1 year from the date of diagnosis. Therefore, the ability to continue to apply for insurance even if you have cancer is the biggest "highlight" of the 2018 version of Ping An Anti-Cancer Guard.

If you suffer from cancer, then it will be a long process, will not be achieved overnight, if the insurance product purchased at the critical time is "not powerful" or "directly due to run away", then the patient's psychology will also suffer a lot of blows. And the 1-year product will be more or less at risk of being discontinued. However, Xintai i-Cube Malignant Tumor Disease Insurance is based on long-term protection and can be insured for life, which solves the pain point of "insufficient stability" of one-year cancer prevention insurance.

2. It is recommended to insure lifelong cancer insurance.

Suggestion: Xintai i-Cube Malignant Tumor Disease Insurance.

Best Feature: Up to 3 claims, covering cancer over 6 years**.

Xintai i-Cube Malignant Tumor Disease Insurance is a benefit-type malignant tumor insurance.

According to the current situation of malignant tumors, the survival time of patients has become longer, the survival rate is high, and the metastasis is high, and some innovative designs have been carried out. Xintai i-Cube Malignant Tumor Disease Insurance can pay up to 3 times, with a maximum of 300,000 yuan each time, that is, a cumulative 900,000 yuan (but the compensation cannot be carried out consecutively, and there must be a 3-year time gap between the two claims).

Xintai i Cube, which can be paid upon diagnosis and waives the remaining premiums, is designed to not only meet the cyclical characteristics of cancer**, but also reflect the people-oriented.

However, because critical illness insurance is mixed with the protection responsibility of other diseases, it cannot be the lowest in terms of **. Compared with critical illness insurance, Cindat iCube's protection liability design is more specific, which means that customers can get the most cost-effective protection with less premium.

If you have enough budget, it is recommended that you opt for long-term lifetime coverage.