If you are over 60 years old and buy commercial insurance, can you still buy insurance if you are ov

Can people over the age of 60 participate in commercial insurance?

Q: Can I still buy commercial insurance if I am over 60 years old? A:

There are many restrictions on commercial insurance, of which age is the main one. At the age of 60, you can only buy some accident insurance, which generally controls the age within 65, and other types of insurance are of the nature of investment and financial management, and there is no protection.

Q: What kind of commercial insurance can a 60-year-old person buyA: At this age, medical treatment and accidents are the first choice, and it is the elderly who have the greatest probability of occurring. Cost-effective products, you can click me to chat.

If you want to buy insurance over the age of 60, the senior sister recommends giving priority to buying protection insurance such as accident insurance, cancer prevention insurance and cancer prevention medical insurance. Before starting the analysis, you might as well take a look at this article: what are the [old people's insurance] and what insurance is good for your parents, you need to know.

1. Accident insurance.

After the age of 60, the physical fitness is not as good as before, the movement is not agile, and it is easy to have various accidents, so it is very necessary to buy an accident insurance. Accident insurance has a low premium and does not cause undue financial stress. People over the age of 60 are advised to focus on products that include accidental medical coverage, which can reimburse some medical expenses caused by accidents.

2. Cancer prevention insurance.

Generally, after the age of 60, it is more difficult to buy critical illness insurance. Even if the insurance is successful, it is easy to invert the premium, which is not cost-effective. At the same age of insurance, cancer insurance** will be much cheaper than major illness insurance.

Its health notice is also relatively relaxed, and people with common high blood pressure, heart disease, and diabetes can be insured.

For those who still have doubts about cancer insurance, you can also take a look at this article: What is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

3. Cancer prevention medical insurance.

People over the age of 60 will have some health problems in their bodies, and it is generally difficult to apply for million-dollar medical insurance. If you can't get your favorite million-dollar medical insurance, cancer medical insurance is also a good choice. Cancer medical insurance can reimburse medical expenses related to cancer.

It has more lenient insurance conditions and is more friendly to people over 60 years old.

You can still buy insurance in your 60s. Suitable for people in their 60s, there are old age accident insurance, cancer prevention insurance, and cancer prevention medical insurance.

1. Accident insurance for the elderly: Accident insurance for the elderly has the characteristics of low premiums and high personal protection, the elderly have a high incidence of accidents, and it is possible to spend a large amount of medical expenses if they fall, and accident insurance is the first choice for the elderly insurance.

2. Cancer prevention insurance: Cancer prevention insurance can be paid after diagnosis of malignant tumors, and cancer prevention insurance can be guaranteed to a certain age or even for life.

3. Cancer prevention medical insurance: Cancer prevention medical insurance reimburses the medical expenses of hospitalization due to malignant tumors, and the amount of money spent is reimbursed, but the protection period of cancer prevention medical insurance is relatively short, usually 1 year.

Xueba said insurance

Over 60 years oldIf you want to buy medical insurance, you can do soCancer medical insurance

Because of millions of medical insuranceInsured conditionsCompareHigh, the old man may be becausePhysical causesAgeand so on were denied insurance, whileCancer medical insuranceIt is a simplified version of the Million Medical Insurance and only coversCancerHospitalization caused if there is a minor physical problem, if anyThree highs, the elderly, then you can buy cancer medical insurance.

70 years oldAfter that, there is a stage of high incidence of critical illnessCancerYesThe highest hairCritical illness insurance,Proton heavy ionsCurrently, it is the most effective treatment for cancer, with a rate of up to 97%, but a course of treatment may be requiredAbout 300,000With such a high cost, if you buy cancer prevention medical insurance with this protection, then all of this can be claimed, and the patient will be more confident, and parents will not have to worry about spending too much and their children will be under pressure.

A one-time payment is sufficient. You can apply at the medical insurance window of the social security institution. The one-time payment amount is not low, but it is negligible compared to the increase in medical expenses in the future.

When the elderly over 60 years old buy insurance, they are insured for the elderly. At present, the more suitable medical insurance is mainly cancer insurance for the elderly and cancer medical insurance for the elderly, which can also be insured over 60 years old, which can give exclusive protection for the cancer risk of the elderly.

Cancer insurance, which can provide long-term protection for the elderly, without the risk of renewal and discontinuation. Cancer medical insurance, which can be used to reimburse the cost of cancer**, has a shorter coverage period, generally one year, and is cheaper. As the elderly get older, there is generally a problem of renewal, and there is also a risk of discontinuation.

You can insure the elderly according to your needs, and the combination of "cancer prevention insurance + cancer medical insurance" can be insured to provide more adequate cancer protection.

In addition, it is also possible to purchase an accident insurance for the elderly with accidental medical coverage, and the medical expenses of accidental injuries can also be reimbursed.

Can people over the age of 60 participate in commercial insurance?

Q: Can I still buy commercial insurance if I am over 60 years old? A:

There are many restrictions on commercial insurance, of which age is the main one. At the age of 60, you can only buy some accidental insurance, which generally controls the age within 65, and other types of insurance are of the nature of investment and financial management, and there is no protection.

Q: What kind of commercial insurance can a 60-year-old man buyA: At this age, medical treatment and Lu Changran accident are the first choice, and it is the elderly who have the greatest probability of occurring. Cost-effective products, you can click me to chat.

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

Everyone will get old one day, some people have prepared for their old age in advance when they are young, and some people are not fully prepared when they are young, which is easy to lead to the situation of being old and helpless. So, if we weren't ready when we were young, can we make up for it when we're old? Today, let's take a look at how to buy pension insurance at the age of 60.

How to buy pension insurance at the age of 60? In order to ensure that the elderly in our country can "rely on the old", the state in 2009 specially issued a special law and regulation on the rural social pension insurance pilot for the elderly over 60 years old, this document stipulates that if the age is over 60 years old, due to various reasons when the young did not pay social pension insurance premiums, resulting in the rural elderly who can not enjoy the basic pension insurance for urban workers, can receive a certain amount of pension every month without paying. At the same time, the regulations also stipulate that if you want to enjoy the pension insurance for the elderly over 60 years old, the children of the elderly who meet the conditions for social pension insurance must participate in the social pension insurance.

Can people over 60 years old still buy commercial endowment insurance? Some elderly people think that the level of protection of the basic social pension insurance is relatively low, and the amount of pension received each month is relatively small, so they hope to be able to buy a commercial pension insurance to ensure the quality of life in their later years. But here I am sorry to tell you that almost no insurance companies will provide more than 60 commercial pension insurance, even if there are insurance companies that provide this type of pension insurance products, but the insurance rate will be very high.

The reason is that this age is already the time to receive an annuity for most pension insurance contracts, so it is no longer suitable to buy commercial pension insurance at this time. What kind of insurance is suitable for 60-year-olds?

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

If the elderly over 60 years old or above already have the social security of the unit, they can not buy commercial insurance, because the elderly over 60 years old can not buy many types of insurance, even if they can buy the type of insurance, the insurance rate is very high, not cost-effective, and to have a physical examination, there is no problem can not be insured.

If you really need to be insured, you should consider taking out medical insurance. Because the elderly belong to the disadvantaged group of society, they are more likely to get sick than other groups. The probability of accidental injuries in the elderly is higher than that of other age groups, especially traffic accidents, accidental falls, silver injuries, fires and other accidents are more serious to the elderly.

Therefore, accident insurance should also be an important option for the elderly to purchase insurance.

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