My mother is 49 years old, what kind of insurance do I buy?

The current health is not too good. If you want to buy a medical insurance for her, what kind of insurance is suitable for her? How much does it cost per year? How many years does it take? How is reimbursement calculated? Thanks pull!

Based on the information you provide, your mother's medical insurance is of course important. The general cost is about a few thousand yuan, how many years to pay, how many years, you can choose according to your actual situation. The reimbursement is proportional, with a minimum of 70% and a maximum of 95, regardless of the number of hospitalizations, according to all miscellaneous expenses at the time of hospitalization, and there is also a companionship fee of 20 yuan a day.

It is necessary to pay attention to the issue of insurance principles:

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 a lifelong contract, and you can become lifelong happiness if you buy it well, otherwise it will have a great impact.

In fact, there are still many things to pay attention to, be sure to pay attention to every detail, and the above hope can help you.

When applying for insurance, you need to inform the insurance company of your mother's physical condition, past medical history, etc., and from what you said, it is likely that you will need a medical examination. If it can be underwritten, the premium will definitely be much higher than that of young people. There is a possibility of additional coverage or refusal of medical insurance.

A medical examination is required before applying for insurance. Minor illness increases, major illnesses are denied. Check it out as soon as possible. If you can sell it, of course, buy some critical illness insurance and add some hospitalization medical insurance, which is very practical.

If you are not in good physical condition. When it comes to the cost of additional insurance. And if you are 49 years old, the premium is also very high. It is recommended to buy a combination. Lifetime protection for aggravated illnesses. I can share everything I know with you

Guilin and Nanning are good in Guangxi, Gaga.

Kangning life, no physical examination, annual payment of 6,000, insurance amount of 150,000!

If you get sick during the payment period, you don't have to pay the premium anymore and the protection is still there!

PICC Chinese Insurance.

A long policy to protect the family is good, Taikang's, very good, powerful, good service, I bought it. You can consult carefully, this insurance is not child's play. It depends on your age and physical condition.

Hello! After all, for middle-aged and elderly people, with the increase of age, their legs and feet are becoming less and less flexible, their physical health will also decline, and the probability of accidents and health risks is gradually increasing. On the one hand, it is a consolidation of basic personal accident and health protection, and on the other hand, the insurance return service provided by this policy can also provide additional financial support for your mother's later retirement life, which greatly improves your mother's quality of life.

It is recommended to buy social endowment insurance for your mother first, and then choose the appropriate commercial endowment insurance as a supplement. Commercial endowment insurance suggests that you should combine the actual age, gender, economic ability and other aspects of the comprehensive analysis, to buy a suitable endowment insurance is good.

I can make your mother's health better.

Hello! To buy insurance for parents who are almost 50 years old, you should consider pure protection products, so that you can get better protection with affordable **, and you can also avoid the phenomenon of inverted premiums. In general, accident insurance and health insurance are both good options. Here's how to get started:

1. At the age of 50, the physical function of parents is slowly declining, the risk of accidents that may be encountered has increased significantly, and the risk tolerance is also decreasing. Therefore, it is advisable to prioritize accident insurance. Since parents who are about 50 years old are slow to move their legs and feet, and the probability of accidental fractures increases, it is necessary to pay special attention to accidental fracture insurance and strengthen the exclusive protection plan, preferably including accidental fracture hospitalization allowance insurance and accidental fracture recuperation allowance insurance.

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

I didn't buy cheap insurance when I was young, but I can't buy it when I'm old! Many insurance plans are more than double the premium as they get older, and some even stipulate that they cannot be insured over the age of 50, so there are very few insurance options for 49-year-olds! Today I will talk to you about what insurance is suitable and cost-effective, and if you are interested, you can take a look at my good dry goods:

Which insurance is right for you at 49 years old?

It is very important to buy critical illness insurance, medical insurance, and accident insurance at this age, but the former is not in particularly good physical condition at this age, and many products with strict health notices cannot be bought! I have also intimately collected some health tips for you when applying for insurance, hoping to help friends in need:What are the tips for health notification when applying for insurance?

1. Medical insurance

Cancer medical insurance

In the "2019 First Half Claims Annual Report", the probability of cancer claims is accounted forAround the age of 50, it is in the high incidence stage of cancer. In our country,Do you know how much a cancer cost? Let's take a look at my findings first:

**A cancer will probably cost a middle-aged family a year's income, and the reason why cancer prevention medical insurance is favored by middle-aged and elderly people is mainly becauseSpend a few hundred dollars a year to buy up to $2 million in cancer** coverage

This is also the favorite mention of middle-aged and elderly people, spending money to buy peace of mind, worth it!

Million Medical Insurance

Million medical insurance covers the insured's expensive and hard-to-buy special drugs and the latest effective surgeries to achieve low premiums and high sum insured.

Some excellent million-dollar medical insurance plans also do a few hundred dollars in premiumsUp to 6,000,000 sum insured

2. Accident insurance

The older you get, the clearer you know that tomorrow or the accident, you never know which will come first.

In particular, the financial breadwinner of the family fell due to accidental injury, and the consequences were unimaginable.

And accident insurance can play a role in protection, a hundred dollars a year, the compensation amount is very high, I don't think about it.

1. The biggest highlight of good medical insurance cancer prevention medical insurance:The medical expenses of hospitalization due to cancer and carcinoma-in-situ have 0 deductible and 100% reimbursement, and most insurance on the market have a deductible of 10,000 yuan, so this product is very cost-effective for the age stage with high incidence of cancer.

2. Enjoy the biggest highlight of e-student 2020:100% reimbursement of the expenses incurred by the best proton heavy ion for cancer, with a total sum insured of more than 6 million yuan and a premium of no more than 1,000 yuan, achieving ultra-high cost performance!

3. The biggest highlight of millions of lives in the Asia-Pacific region:The protection is very comprehensive, and the accidental outpatient and accidental hospitalization achieve 0 deductible, the compensation threshold is very low, and it is very friendly to consumers!

In short, you still need to buy insurance that suits you, and the expensive one is not necessarily the best!

The suitability of an insurance product is inseparable from the age of the insured. Young people aged 0-30 are recommended to take out critical illness insurance, medical insurance and accident insurance; People aged 30-50 are recommended to allocate critical illness insurance, life insurance, accident insurance, and medical insurance. Last night I put together a list of popular insurance plans for all ages:

Popular insurance points for all ages。You can take a look.

Under the age of 45, it is recommended to give priority to critical illness insurance, medical insurance and accident insurance. Seniors over the age of 60 can replace critical illness insurance with cancer insurance.

How to buy insuranceFor those who are growing up, you should choose critical illness insurance, medical insurance and accident insurance for those aged 0-20

How do I buy insurance for someone under 20 years old? Before adulthood, in the period of physical and mental growth and development, it is inevitable that there will be some minor illnesses and pains, so it is excellent to have a medical insurance, and the bits and pieces of medical expenses can be reimbursed; In addition, there will be more accidents in the child's growth stage compared to the age of other stages, so it is quite a cost-effective choice to configure an accident insurance; Of course, it is also essential as a critical illness insurance that is more cost-effective the sooner you buy.

If you are in the 20-30 years old, it is recommended that you choose critical illness insurance, accident insurance, and medical insurance

How do you buy insurance in your 20s? 20 years old 30 years old, has reached the age of their own responsibility, at this time the body is young, good spirit, although there is a good physique, at the same time the resistance to risk is also insufficient, may an accident will cost a house money, so it is recommended to buy short-term critical illness insurance + one-year accident insurance + million medical insurance, the premium required is not high, a month is only a few dozen, it can be considered, in line with this age group of friends can see the answer of the senior sisterI have just turned 20 years old, what insurance products should I buy when buying insurance?You can take a look at this article.

For those who are in the youth stage (30-50 years old), they can choose critical illness insurance, life insurance, accident insurance and medical insurance

How to buy a good insurance in your 30s? At this time, buying insurance is more for your family than yourself. Middle-aged people are under the pressure of work and life, and as they get older, the probability of illness is also increasing, critical illness insurance and medical insurance can provide adequate protection for illness; If you are unable to continue to be the breadwinner of your family due to an accident, accident insurance and life insurance can buy peace of mind for the future of yourself and your family.

For how not to be cheated and buy good insurance products scientifically, the key is to choose the right insurance products.

Comparison table of 136 popular critical illness insurances in China (including the detailed list of insurance for each age group).

If you are in good health, then there are more types of insurance you can choose to insure. Priority is given to the purchase of accident insurance, and the ** of accident insurance is very cheap.

At this age, it is generally not recommended to purchase critical illness insurance, and there is a risk that the total premium paid may exceed the selected sum insured.

If you can successfully pass the underwriting, you can also consider some reimbursement type of hospitalization medical insurance. The health notification and underwriting of hospitalization medical insurance will be strict with major illness insurance, and there will be some exclusions, such as such and such a disease is not covered. At the same time, the premium will also be high, ranging from several thousand to tens of thousands of yuan per year, which can be purchased on demand.

Hello, 49-year-old to buy insurance, if it is a critical illness and medical treatment, it is good for Ping An to have an Ankang medical treatment.

However, the premise is that a medical examination is required. You can only buy it if you pass the physical examination.

The annual payment is about 3,000-4,000 yuan, the maximum guarantee is 600,000 yuan, and the medical expenses can be reimbursed up to 280,000 yuan a year, whether it is medical insurance drugs and non-medical insurance drugs.

There are also hospitalization expenses, lost work allowances, and nutrition expenses.

It can be said that it is a relatively high-end medical insurance. Even if it is cancer chemotherapy, 80,000 yuan can be reimbursed for a year.

A 49-year-old woman buys social security as the first choice for insurance, because this is the most basic protection and belongs to high-quality and low-cost insurance products. If you have already applied for social security, then you can consider commercial insurance. The 49-year-old woman is basically married, and after having children, family responsibilities become more and more important, and all kinds of potential risks also increase.

Therefore, in addition to comprehensive basic protection, critical illness insurance and accident insurance should still be prioritized to avoid financial pressure caused by illness and affect the quality of life in later life.

1. Accidental injury, accidental medical treatment and minor illness hospitalization These are consumer-oriented products, you can have hundreds of thousands of accident protection by paying a few hundred yuan a year, such as an accident such as a bump, accidental medical treatment can be reimbursed, minor illness hospitalization such as appendicitis, if there is social security, you don't have to think about this piece, social security can help you reimburse about 80%, if you want to improve the medical environment, you can go to buy commercial reimbursement as a supplement, after the social security helps you reimburse, the remaining 100% Commercial insurance will be fully reimbursed, the above are out of the insurance to pay, pay one year of insurance if there is no insurance, then the premium will not, in the refund.

2. Critical illness insurance is an agreed payment type, no insurance is equivalent to savings, and the amount of insurance will be paid in a lump sum.

1. Million medical insurance

Friends of this age are in good physical condition, and they can give priority to buying a million-dollar medical insurance for their parents.

Million medical insurance, also known as hospitalization medical insurance, mainly reimburses the medical expenses incurred by hospitalization, especially hospitalization for serious illnesses, which can reimburse up to millions.

We know that many serious diseases such as cancer, stroke, and acute myocardial infarction are "longevity diseases", and the probability of getting these diseases gradually increases as we age.

Therefore, it is still very necessary to configure a million medical insurance for yourself, and it is not expensive, a few hundred dollars a year.

2. Prepare for the celebration and accident insurance

Accident insurance mainly covers accidental death, accidental disability, hospitalization due to accidental medical treatment, etc.

In the event of an accidental death or physical disability, the insurance company will pay a sum of money directly, which can be used for the life expenses of the deceased's family, the recovery of the disabled and the living expenses after recovery, etc.

3. Life insurance

If you have a limited budget, you can choose to configure term life insurance, which can buy a high sum insured with very little money;

If you are not short of money, you can choose whole life insurance with a stronger nature of savings and inheritance.

4. What kind of insurance should 49-year-olds not buy?

There is no need to buy critical illness insurance.

At this time, if you buy critical illness insurance, the same protection will be much more expensive, and it is very likely that the total premium paid will be higher than the sum insured, which is not cost-effective.