Which is cheaper to buy insurance for your parents?

Generally speaking, if we want to buy insurance for our parents, then things like cancer insurance, million medical insurance and accident insurance are more suitable. In addition, these three types of insurance are relatively affordable and cheap, like accident insurance, the annual premium is generally tens to hundreds of yuan, while the annual premium of cancer prevention insurance and million medical insurance may be hundreds or thousands of yuan.

For parents, the older they get, the more they get older, the body's various functions are gradually weakening, the resistance is gradually decreasing, the body is inflexible, and accidents are often prone to occur, and the probability of suffering from diseases is not small. For example, medical insurance can cover the financial loss caused by the transfer of them after an accident. The million medical insurance is a reimbursement type of insurance, and in the case of parents who are sick and hospitalized, etc., the million medical insurance can help us solve certain medical expenses.

In addition, cancer insurance is very suitable for our middle-aged and elderly groups, after all, many elderly people have some physical problems, and insurance products with strict health notices such as critical illness insurance and medical insurance may not have the opportunity to be insured. However, the health notice of cancer insurance is relatively relaxed, which is more friendly to the elderly, and the premium is relatively low. Moreover, with the continuous growth of age, the incidence of cancer will generally become higher and higher, and it is also necessary to configure a cancer insurance policy.

It is advisable to choose a company with responsible experience.

First of all, the elderly need oneSignificant medical insurance。Due to the older age of the elderly, the premium pressure to buy critical illness insurance will be great, and at the same time, because of the physical problems, there is a lot of possibility of being rejected by the insurance company, therefore, medical insurance with low insurance requirements and cheaper premiums is a very good choice.

Secondly, you can allocate another one to the elderlyCancer insurance。As the age increases, the incidence of cancer will become higher and higher, and it is necessary to configure a cancer insurance policy.

Insurance is a highly customized product, which is closely related to your income, family situation, insurance budget, etc., you can click here to click me to intelligently calculate the most suitable protection plan

For your parents, health insurance is the focus.

Directly speaking, as people age, their body's resistance is inversely proportional, and their ability to resist related risks is relatively weak.

Insurance follows the "high loss priority principle", that is, if a risk accident occurs infrequently, but the loss is serious, priority is given to insurance.

The expenditure of its insurance costs is generally about 10---20% of the annual income, and it is best not to exceed 20%, that is, to use 10% of the funds to preserve 100% of their assets.

To be honest, we make money for a lifetime, and at the same time, we spend money for a lifetime, so why does everyone work so hard? In the future, pension, medical care, children's education, etc., but must have a healthy body, smart people know this truth, only the capital to make money, you can make more money, so it is important to buy adequate medical insurance. If you are not healthy, it is impractical to have more pension insurance.

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Finally, it should be noted that the principle of insurance application is as follows:

1) Buy insurance first to buy medical health, health can ensure that customers have everything.

2) Buying insurance is light on words and heavy on contracts, life insurance is generally medium and long-term contracts, and if you buy it, you can become a lifelong happiness, otherwise it will have a great impact.

3) Insurance products need to have the function of maintaining and increasing value, and the current standard of living is increasing day by day, and must be able to curb inflation.

4) To buy insurance, you must first protect the head of the family, if the main wealth creator of the family is not protected, then the premium? Cost of living? and other family expenses are not ***.

5) Buy insurance first for adults and then children, and adults are the best protection for children. If adults are not protected, no matter how much insurance children have, it is meaningless, after all, it is the adults who pay the relevant fees for the children.

When buying insurance for parents, the first consideration should not be the choice of products, but what can be bought according to the physical condition of the parents.

At this age, it's not your insurance first, it's the insurance company that chooses you.

There are not many insurance plans that can cover this age, and if there is, the physical condition is not suitable and cannot be covered.

Check with your local insurance company.

Your parents can hardly buy health insurance anymore, so it is recommended to buy some financial management. It is recommended that you get your personal insurance first.

1.Million Medical Insurance 2Accident insurance. Cancer insurance can also be used instead of million-dollar medical insurance.

Which is the best medical insurance for parents? What is the best medical insurance for parents? I'm Deep Blue Insurance, focusing on insurance evaluation! Pay attention to Deep Blue Insurance, teach you to buy insurance and not pick pits

When my parents are old, what is the most cost-effective insurance to buy?

What kind of insurance should I buy for my parents?

Accident insurance: Accident insurance is still a good choice, most of the accident insurance can be insured at the age of 65, the sum insured is about 100,000, and the accident medical treatment is about 10,000.

Medical insurance: Medical insurance is also a better choice, most of the popular million medical insurance can be insured before the age of 60, at least can be renewed to the age of 80, and some can be renewed to the age of 99; The rules for mid-range healthcare are similar.

Critical illness insurance (cancer insurance): The difference between critical illness insurance and cancer prevention insurance is that critical illness covers cancer and other critical illnesses listed in the contract, while cancer insurance only covers cancer, and the scope is smaller; **Critical illness is generally more expensive than cancer insurance; In terms of insurance, the underwriting of critical illness insurance is stricter than that of cancer prevention insurance. Therefore, the choice of critical illness insurance or cancer prevention insurance, as well as which one to choose, is the core point of insurance allocation for middle-aged and elderly people.

It is better for us to buy cancer insurance, medical insurance and accident insurance for our parents. For the detailed insurance strategy for parents to buy insurance, you can 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.

Among them, cancer insurance is a "reduced version" of critical illness insurance, which only protects cancer, after being diagnosed with cancer, and meeting the corresponding conditions of Youjing, the insurance company will directly pay a sum of money, which can reduce the pressure of medical expenses for ** cancer, which is very necessary for parents to buy.

Moreover, the premium of cancer insurance is cheaper than that of major illness insurance, and the health notice is relatively relaxed, so the three highs have the opportunity to insure, and the insurance age range is also wide, and some products can be purchased by people up to 70 years old. 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.

Medical insurance is a reimbursement type of insurance, but also a supplement to social security, parents are old, physical function declines, resistance is relatively weak, easy to get sick, running to the hospital is also a common thing, configuration of a medical insurance can solve the corresponding medical expenses.

Accident insurance is to protect accidents, such as falls, burns, fractures, etc., if the parents are old, the reaction will be a little sluggish, prone to accidents, and the configuration of an accident insurance can transfer the economic losses caused by the accident risk. Accident insurance is relatively simple, and you can choose it directly from this list: in 2022, the most worthwhile accident insurance is here.

To buy insurance for parents, we need to buy insurance that is suitable for parents, choose cost-effective insurance, and the sooner you buy insurance, the more cost-effective.

First of all, find out what kind of insurance is suitable for parents. Due to the limited space, you can see this article for details: what are the [old people's insurance] and what insurance is good for your parents, you need to know.

If your parents are not yet 55 years old and are in good health, most of the insurance can still be purchased at this time, and it is generally recommended to configure critical illness insurance, medical insurance and accident insurance. When buying insurance, we should pay attention to the content of the coverage. For example, in critical illness insurance, we must pay attention to whether the coverage for mild to moderate illness is complete.

Generally, the better critical illness insurance is fully covered for mild to moderate illnesses.

If the parents are under the age of 55, but suffer from some minor problems and want to take out insurance with illness, then it is recommended to choose the health notice of the health of the insurance with a relaxed reputation, the insurance pass rate will be higher. The senior sister has sorted out several critical illness insurance with loose health notices, and if you are interested, you can take a look: the latest!

Top 10 [Health Notification Relaxation] Critical Illness Insurance Points!

If your parents are over 55 years old, you may regret the configuration of critical illness insurance at this time and have a premium inversion, which means that the sum insured is not as high as the premium paid. Therefore, at this time, it is generally recommended to configure cancer insurance, accident insurance, etc.

Cancer insurance is mainly to protect against cancer. When the insured suffers from cancer, the insured will be able to receive a lump sum payment if he or she is eligible for the claim. Cancer insurance has a more relaxed health notice and a wider range of insurance ages, which can meet the needs of some people who are no longer suitable for critical illness insurance and medical insurance.

If you want to know more about cancer insurance, you can read this article: What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

If the parents are 65 years old, they can be equipped with medical insurance or cancer prevention insurance, and the three highs can be insured, with a premium of more than 1,100 a year, and more than 2 million ** fees can be reimbursed, and it is recommended to renew the policy.