Buy medical insurance at the age of 50, how to buy medical insurance at the age of 50

If the mother has reached the age of 50, the insurance company does not accept her medical insurance for the first time (such as bought before the age of 50, you can renew the policy to 64 years old), over the age of 50 can only consider life insurance and serious illness insurance, but the payment is high when you are older, or consider financial products, save more money to prevent illness and pension can also come in handy, if you plan early when you are young, you eat a trench and grow a wisdom, don't forget to buy insurance for yourself first, because you are now your mother's protection, with you she has to rely on! And don't let your child face this helplessness in the future. Insurance is still early to buy early and peace of mind!

Leave all your worries to the insurance company and live with ease!

Now the level of reimbursement of rural insurance is still relatively low, there are many restrictions, and the reimbursement for hospitalization is about 30%, of course, there will be 2 compensation for major diseases, but in general, it is still not worry-free, after all, you get what you pay for, and agricultural insurance is cheap. 200-300 yuan a year, ** also out of most of the most, individuals only need to pay about 20 (the standards are different in different places). If you have spare money, it is best to go to the local social security bureau to consult the purchase of employee medical insurance, women can only pay a one-time payment for 15 years after the age of 55, I am in Taizhou, Jiangsu, we have a one-time payment of 15 years is more than 29,800, 30,000 a little less.

If the rural landless peasants buy it, they can pay less than 5 years, that is, less than 20,000 yuan (depending on the local policy). Critical illness insurance is included. The reimbursement ratio for hospitalization is generally more than 80%, and the upper limit is 170,000.

The upper limit of non-payment of critical illness insurance is only 80,000), women under the age of 55 can pay first, there are quarterly, half-year, and one-year payment methods, and they will start to enjoy insurance benefits after 6 months!

Hello! It is recommended to consider the new rural insurance and supplement the accident insurance. When you are older, you must pass the physical examination, and the fee is higher. You can think about yourself, provide a guarantee for yourself, and do a responsibility for your family!

At 50 years old, is your health okay? Commercial insurance requires a medical examination to determine whether it is covered. It is recommended that the family and village cooperate in medical care, the cost is not high, and there will be a certain guarantee.

The responses there should be the most authoritative, comprehensive, and accurate.

Good luck!

The 50-year-old medical insurance options are as follows:

1. Medical insurance. Medical insurance is a social welfare given by the state to every citizen, regardless of physical condition, regardless of age, everyone can buy it, and must buy it. Employee medical insurance, urban residents' medical insurance or NCMS are all within the scope of medical insurance. For middle-aged and elderly people, this is a relatively basic guarantee, cost-effective, and must be insured.

2. Medical insurance.

Medical insurance is a good choice for large medical expenses, and most medical insurance does not limit the specific type of disease, as long as you are hospitalized and exceed the threshold line, you will be paid, and you can also be reimbursed according to a certain percentage of drugs outside social insurance. However, it should be noted that insurance companies have strict requirements for underwriting age and health status, which should be paid attention to when applying for insurance.

3. Critical illness insurance.

Critical illness insurance can protect critical illnesses, and the physical functions of middle-aged and elderly people are slowly declining, and the probability of suffering from serious illnesses will be relatively high, so it is still necessary to have critical illness insurance as protection. If there is a product to choose from, critical illness insurance is of course the first choice, but considering that the premium of critical illness insurance will be very high at this age group, and the premium will be inverted if you are not careful, it is recommended that this group of people can consider purchasing products with targeted protection, such as cancer insurance, with relaxed insurance conditions and more cost-effective premiums.

If you are over 50 years old, you should buy medical insurance.

If people over the age of 50 are able to accept insurance premiums, they can buy health insurance.

After all, medical expenses can be significant when you reach a certain age, but there are several things that people over the age of 50 should consider when buying health insurance:

1. Can you pass the physical examination in good health?

Many friends over the age of 40 have varying degrees of physical problems. Insurance is what young people prepare themselves for when they are old. Only by planning well at a young age can they avoid the embarrassment of old age.

2. Can the selected medical insurance be guaranteed to be renewed?

If the reimbursement or subsidy category of consumer medical insurance should pay attention to the renewal issue, most products are not renewed, some products are renewed, some are renewed, and some are renewed for 5 years, 10 years, and 3 years. Once diagnosed as a chronic disease.

or more often, renewal is definitely a problem.

3. Lifetime medical products can be considered.

This type of product is a life insurance product that can be converted into medical expenses, and the insured amount is guaranteed to be refunded regardless of whether the medical expenses are reimbursed or not.

4. The age limit on the insurance ban, over 55 years old to buy medical products, many products are no longer available, and basically require physical examination.

5. There is no social security and cooperative medical care.

It is necessary to improve social security and cooperative medical care, and at the same time supplement accidental medical care.

Families with financial means can purchase critical illness insurance for the elderly.

and lifetime medical insurance products. It is recommended that consumer medical insurance pay attention to whether there is a warranty renewal clause.

What kind of medical insurance should I buy for people over 50 years old?

1. Local supplementary medical insurance.

If you consider the cost performance, pay special attention to what is the most cost-effective medical insurance to buy at the age of 50, then the local supplementary medical insurance is basically supported by the first, you can take sick insurance, dozens of dollars a year, more than 100 yuan can reimburse millions of medical expenses, or can, in recent years, such products have emerged in an endless stream, basically the local ** and insurance companies have cooperated to launch medical insurance with the nature of benefiting the people, although the protection content is not as good as millions of medical insurance, But it is perfect for people over the age of 50 who have difficulty getting insurance.

2. Million medical insurance.

Although it is not easy for people over the age of 50 to buy million-dollar medical insurance, it is not completely out of the ordinary.

If the parents are in good health, there are currently many online million medical insurance with intelligent underwriting function, you can get the result with one click, 50-year-old people buy millions of medical insurance, it is a few hundred yuan to thousands of yuan, but the cost performance is okay, after all, leverage the million insurance amount.

Reimbursement of self-financed drugs, in the case of healthy parents, it is most cost-effective to buy millions of medical insurance.

3. Cancer prevention medical insurance.

Cancer medical insurance should be the most practical and protective product for people over the age of 50 when buying medical insurance.

What is the most cost-effective medical insurance to buy at the age of 50, mainly depends on the body, millions of medical insurance may not be insured by everyone, if the parents have three highs, on the basis of not being able to buy millions of medical insurance, you can consider cancer prevention medical insurance, in the actual claims of major insurance companies, cancer.

It is the highest claim rate, cancer insurance in the insurance requirements, disease notification less critical illness insurance.

Much less, many critical illness insurance cannot be insured, and cancer insurance can be passed.

The question of what is the most cost-effective medical insurance to buy at the age of 50 needs to be analyzed on a case-by-case basis, because there are many factors that affect the premium, such as the gender and age of the insured, the amount insured, whether there is additional insurance, etc. Therefore, when you choose medical insurance, you only need to choose according to your own protection needs, and don't add too much financial pressure to yourself.

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Next, the senior sister will introduce to you what the "50-year-old group" should pay attention to when buying medical insurance! Don't talk nonsense, go straight to the dry goods!

1.Not limited to reimbursement under social security.

For medical insurance, products that are not limited to social insurance reimbursement can help us reimburse more medical expenses, even if they are drugs outside the social security catalog or purchased drugs, which can reduce the financial burden of patients to a certain extent.

2.Friendly renewal terms.

There are many medical insurance products on the market that are guaranteed once a year, and the friendly renewal clause is to ensure that the insured will not be rejected by the insurance company due to deterioration of physical condition or product discontinuation, so as to maximize our own rights and interests.

3.There is an advance payment function.

There are many medical insurance policies on the market that do not have an advance payment function, and can only be reimbursed with relevant documents after we have spent all the medical expenses, but many times we cannot afford excessive medical expenses.

And medical insurance with an advance payment function can help us pay most of the expenses in advance, and then reimburse them after discharge! In this way, there will be no delay in the patient's **, and there is no need to be anxious because of the lack of ** expenses.

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4.There are value-added services.

The value-added services in excellent medical insurance products will provide you with one-stop services from appointment to hospitalization to provision of **** plan, so that you don't have to worry about any step.

What is "value-added service" in medical insurance? Is the more value-added services, the better? Sample, it's naïve.

50 years old, at this age, the parents should be about 70 years old, the children should be about 20 years old, and there are basically seven people on both sides of the family who need you to shoulder.

At this age, the work is basically a small achievement, there should be a good position in the company, there should be a good income, and there may be a certain amount of pressure.

At this age, family responsibilities are heavy, both old and young, and they are basically the breadwinners of the family.

It is a good way to transfer the risk of your own health through medical insurance.

It's not clear what your definition of health insurance is, but if it's just simple medical insurance, it's simpler.

The products are also relatively rich, ranging from a few hundred yuan to several thousand yuan, and the amount is from 200,000 to millions.

On the other hand, if critical illness insurance is also included in medical insurance, then there are many problems, and you need to make a reasonable configuration according to your own situation, and customize it from person to person.

First: social security must be bought. Social security has two major advantages that cannot be replaced by commercial insurance, one is to insure with illness, and the other is to guarantee renewal.

Second: accidental medical treatment, because of minor accidents, including bruises, see the outpatient clinic. Generally, it is 100 to 200 yuan, and the amount ranges from 10,000 to 20,000 yuan.

Priority is given to buying medical insurance without deductibles (threshold fees), and even more so if you have a green channel for medical treatment.

Fourth, with the above, we also need critical illness insurance to solve the problem of hospital accidents. Each company's rate is different, so the cost is also different, and the scope, length, and width of his insurance are different.

Let's start with health insurance.

Medical insurance can be divided into three categories according to the price and coverage content:

For low-end medical care, the insurance amount is usually several thousand or 10,000 yuan, and the general department of public hospitals at or above the second level is restricted;

Middle-end medical care, the amount of insurance is usually between 100,000 and 2 million, and self-paid expenses outside the social security catalog can be reimbursed.

High-end medical care, the amount of insurance is usually 5 million to tens of millions, and self-paid expenses can be reimbursed, and the hospitals treated in public hospitals are not only in the general department, special needs department, and international department, but also expand high-end private hospitals and overseas treatment, and direct payment can be achieved within the contracted network.

The corresponding ** intervals are, a few hundred pieces smaller; a few hundred to one or two thousand small; Thousands to tens of thousands of dollars.

Therefore, before asking what kind of medical insurance to buy, I will tell you that the first information you need to provide to buy commercial insurance in addition to social security and medical care is your own premium budget. Medical insurance is typically a penny for a penny, and a good one is bound to be expensive.

In addition, it should be noted that most of the medical insurance on the market is mid-range hospitalization medical insurance (most of which also have a deductible of 10,000 yuan), all of which are one-year products, and only a few have 5-year or 6-year guaranteed renewal clauses, so the renewal of these medical insurance is a problem. One-year medical insurance, including Huaxia Medical Insurance Pass and Taikang Health Premium, all have this problem.

It may not be possible to buy social security, because the country's social security loopholes are very large. It is possible to buy commercial insurance, but all commercial insurance companies over the age of 50 require a medical examination. I suggest that you buy a commercial insurance with a short payment period, the policyholder is your mother, and you can be the insured, because the physical examination is the physical examination of the insured.

And you are not fifty years old, so there is no need for a medical examination, and the money in this account can only be received by the policyholder. So you can compare, all insurance companies are the same, but the most important thing is professional insurance ** people and after-sales service. If there's anything else you want to ask, **group:

61048983 Suzhou University Students***. I'm glad I could help you. So you can ask any questions you have.

Upstairs, you're so funny, he wants to buy medical insurance for his mother, and you let him be insured to fill in himself, who is it?

Social security women seem to be able to go up to the age of 55 But it is recommended not to buy social security, because you must pay for 15 years Unless you pay it off at one time now, and the protection is low Or buy commercial insurance, if it is a non-healthy body, you can't buy it Find a powerful company, choose the right product, and then find a trustworthy ** person, 50 years old, it's not easy! Let's do some filial piety!

I'm in Beijing, you can find me if you need it!