How to choose insurance for parents? How to choose insurance for your parents

The first thing to choose is a critical illness, then an insurance such as accidental death, and finally something like old-age insurance

First of all, I think we should buy some medical insurance, health insurance and endowment insurance, which are more useful insurance for parents, after all, the parents are old, and their physical condition must not be as good as when they were young, so they still have to consider and choose carefully.

If you buy insurance for your parents, you must choose a good insurance company, see if the insurance company is regular, choose the insurance company, and then choose the type of insurance, to see if the insurance is comprehensive, for example, insurance is divided into medical insurance and accident insurance, if you only buy medical treatment and do not buy accidents, accidents will not be claimed, and medical problems will not be claimed.

If parents are older and want to buy insurance, they can buy accident insurance or serious illness insurance, and it is best to choose the insurance that can be returned after some years, or you can choose to go to the Industrial and Commercial Bureau and the Taxation Bureau to pay the insurance

If you buy insurance for your parents, how to choose the big risk that you are familiar with, no matter how much you invest, because your parents are older, make an insurance for them, because it is better, I think it is better to choose a personal safety insurance, and medical insurance is a must, because you can't avoid it when you are old, you are sick

First of all, look at whether the insurance company is regular, prompt to see whether the insurance types are rich, and then look at the cost performance, the same kind of insurance with the same kind of insurance amount, may be different insurance companies, and the type of insurance, must be complete, medical and accident must be bought, otherwise there is a lot of trouble.

The premise of buying insurance is that you need to understand the insurance company, analyze the amount of insurance, and emphasize shopping around, compare the same amount of insurance, which company's premium is cheaper, and whether the insurance is comprehensive, medical and accident insurance can not be less, and you must spend as little money as possible to come to a more efficient type of insurance.

Buying insurance for parents is mainly to consider the age of the parents, as well as the amount of insurance from each insurance company, as well as the cost of insurance and buy insurance, you can ask your parents for advice, the benefits of buying insurance, and talk to your parents about everything.

When you buy insurance for your parents, you can buy accident insurance, medical insurance, critical illness insurance, and endowment insurance.

1. Accident insurance.

The elderly have osteoporosis, easy to fracture, and the time is slow, often a fracture hospitalization for a month may not be cured, accident insurance is simple, is the primary consideration of protection.

2. Endowment insurance.

On the basis of social security, if the conditions are better, you can supplement an annuity insurance to make your parents' old age better.

3. Medical insurance.

How to choose insurance for parents, the most important thing is medical treatment, the risk of disease, can reimburse a certain amount of expenses, and the occurrence of large risks will not bring a big burden to children. If the parents are in good health and meet the insurance requirements, they can directly choose the Million Medical Insurance.

4. Critical illness insurance.

Insurance products have a limit on the age of protection, if the parents are under the age of 51, they will give priority to purchasing critical illness insurance, and the amount can reach about 300,000. If the parents are over 60 years old, accident insurance will be preferred. The older the parent, the more likely they are to be denied.

To allocate insurance for parents, it is necessary to protect first and then manage money, and give priority to the protection of insurance, cancer insurance, accident insurance, and medical insurance. If you still have a budget, you can also consider the allocation of financial insurance such as annuity insurance, so as to achieve the purpose of pension planning, financial management, and asset inheritance. For the configuration of specific solutions, you can continue to understand through this article:

What is the insurance for the elderly, and what insurance is good for your parents to buy, you need to know how to fight.

Generally, the older you are, the more limited the insurance products you can choose, so my dad has always emphasized: buy insurance as soon as possible!

Whether it is an adult or a child, the first commercial insurance should be accident insurance, and buying accident insurance for parents should also be the first choice.

Parents are old and their physical functions begin to decline, and they are more likely to fall due to external factors, and the recovery time after falling is not as fast as that of young people.

Accident insurance is mainly to compensate for the losses caused by accidents, but it is impossible to compensate for illness, so parents should also be equipped with corresponding health insurance.

The insurance for parents is relatively limited in terms of choice, but as long as you pay attention, you can still find some good products.

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. 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.

Precautions for parents buying 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.

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.

The main insurance buys critical illness insurance, and the additional insurance buys hospitalization medical insurance, accident insurance, etc., which are more practical, don't buy dividend-paying insurance, pit people, and don't believe the salesman's words.

If you have no cardiovascular and cerebrovascular diseases before, it is recommended to buy health insurance.

If you want to lose more money, buy for life.

How to choose insurance for parents, the key depends on what the protection needs of parents are, in order to make a reasonable choice, not only to buy insurance suitable for parents, but also not to spend money in vain. For example, if the parents have a need for illness protection, then they can consider the critical illness insurance of the elder brother of the department; If there is a need for accident protection, you can choose to pretend to be an external risk.

No matter what insurance you buy, you must pay attention to these before buying insurance for your parents: what is the insurance for the elderly, what insurance is good for your parents, you need to know these things.

Parents should buy three types of insurance: accident insurance + cancer insurance + cancer medical insurance.

The reason why it is difficult for elders to buy insurance is because they are hindered by age and physical fitness, and few types of insurance can be selected by parents. However, the older the parents, the greater the probability of getting sick, and the greater the possibility of buying insurance!

1. Cancer prevention medical insurance.

When parents are older, there will be many high-incidence diseases, such as stroke, three high-level diseases, which will be more common in the elderly group, and the cost of treatment is also high, which will greatly increase the economic pressure for ordinary families.

If you have medical insurance, you don't have to worry about running out of money when you go to the hospital**. Regardless of whether the insured is outpatient, surgical or hospitalized, etc., the part of the cost exceeding 10,000 yuan can basically be 100% reimbursed. And the premium is cheap, only a few hundred yuan a year, but the sum insured is millions.

If the health status of the elderly is too poor to take out the million-dollar medical insurance with strict health notification requirements, but you still want to have a medical protection, you can buy cancer medical insurance.

Like millions of medical insurance, cancer prevention medical insurance is also reimbursement insurance, that is, the insured spends as much as the cost of the reimbursement, this type of insurance is low, the amount of insurance is high, mainly used to pay for the cancer caused by the trace of the hospital or special outpatient expenses. If you want to further deepen your understanding of cancer prevention medical insurance, click the link below to learn:"What you need to know about cancer medical insurance!

2. Benefit-based cancer insurance.

The elderly basically have no choice of critical illness insurance, because critical illness insurance has certain requirements for the physical condition of the policyholder, and the physical fitness of parents declines with age, and it may not pass. Even if you buy critical illness insurance, it is easy to ruin the situation of inverted premiums. At this time, priority is given to benefit-based cancer insurance.

Cancer insurance can replace critical illness insurance, the purpose is to target cancer, malignant tumors, carcinoma in situ, etc. are mostly within the protection liability, if the insured suffers from the cancer agreed in the contract, the insurance company will pay a lump sum insurance benefit according to the contract. For serious 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 very easy health notice, even if you have a small problem like the three highs, you can still apply for insurance.

The premium for cancer insurance is relatively cheap, and you can get 100,000 yuan for one or two thousand yuan. For more information about cancer insurance, please read this note if you are interested"Cancer insurance, the most reliable way to buy it!" 》

3. Accident insurance.

Usually when parents are old, it is inevitable that their legs and feet will be unstable, and they may encounter some small accidents, bruises, and injuries at this time, accident insurance is a good thing. When adding accident insurance to the elderly, it is necessary to pay attention to the amount of insurance for accidental medical treatment, and of course choose a higher one. To find out what excellent accident insurance is available in 2021, see here:

"In 2021, the most popular accident insurance worth buying is here".

[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.

Parents should buy insurance like this: first consider whether the parents have configured social insurance and simple insurance, because social security is the most basic and powerful protection, and then consider whether to configure perfect basic personal protection products, that is, critical illness insurance, medical insurance and accident insurance, and then buy financial insurance products, such as commercial pension insurance. Here are also some cost-effective commercial endowment insurance suitable for parents, you can take a look:

Top 10 commercial endowment insurance in terms of cost performance!