Has anyone ever bought Ping An Elderly Accident Insurance?

It is still worth buying an accident insurance for the elderly, because mobility and reflexes are declining, and the probability of accidents is increasing. But how to buy accident insurance for the elderly? We can take a look at this article: "Accident insurance for the elderly is configured like this, ***".

Then the dad recommended a comprehensive accident insurance for the elderly underwritten by Ping An Property Insurance and sold on the Alipay platform.

Let's take a look firstAlipay Comprehensive Accident Insurance for the ElderlyBasic Coverage:

Yu Daddy Bao.

Alipay Comprehensive Accident Insurance for the Elderly is divided into 3 protection plansDeluxe, Upgrade, Basic

The insurance rules are the same in all three versions, except that the amount of coverage for liability is different.

Alipay's comprehensive accident insurance for the elderly is available for seniors aged 50-90, and the maximum insured age of common accident insurance for the elderly on the market is 80 years old.

The vast majority of people who have passed the age of 80 will have no protection at all.

This elderly accident insurance on Alipay,You can also apply for insurance at the age of 90

It should be noted that at the time of application, the policyholder can choose to take effect from 7 to 90 days after the insurance.

to Alipay.

Let's take the deluxe version of Alipay's elderly accident insurance as an example to see how its detailed coverage is:

The basic accidental death disability benefit, dad will not say so much, let's focus on its more bright spots:

Accidental Medical Benefit:50,000 yuan.

Limited to social security content, after deducting the deductible of 100 yuan, 80% will be reimbursed.

Fractured Joint Dislocation Allowance:8000 yuan.

According to the provisions of the contract, the allowance will be paid proportionally according to the degree of fracture and joint dislocation, with a maximum compensation of 8,000 yuan.

Elderly people often break bones due to falls, etc., and this protection is still very useful.

On the whole, Alipay, a comprehensive accident insurance for the elderly, is not very outstanding compared with other insurances on the market in terms of protection, and the reimbursement ratio is acceptable. However, the age range of this insurance is wider than others, and the waiting period can be chosen independently, which is more humane. If you want to buy accident insurance for the elderly, you can still consider this product.

My friend helped her mother buy a golden sunset elderly accident insurance before, but it seems that there is a limit to the age of insurance, and the specific Ping An Insurance ** has a description, and it is still necessary to insure the elderly.

There is a limit on the age of application, and there is a description of the specific Ping An Insurance** or consult the insurance company directly.

Introduction: Insurance is a very important medical protection in our modern life. Although we have reached a certain age, our career is relatively stable, but our health is not as good as before, and many people will consider buying an insurance policy to provide themselves with a sense of security.

Many people will buy Ping An insurance, so what are the insurance suitable for the elderly? Can people over 65 years old buy it? <>

I believe everyone has heard of Ping An Insurance, and the popularity of Ping An Insurance in China is very high, partly because Ping An advertisements can be seen everywhere. Ping An Life Insurance Co., Ltd. of China, referred to as "Ping An Life", was established in 2002 and is an important member of Ping An Insurance (Group) Co., Ltd. of China. In addition, the comprehensive risk rating of Ping An Insurance is Class A, which belongs to the low-risk level, which shows that Ping An Insurance Company is indeed qualified, and everyone can rest assured that they can buy its insurance.

There are very few suitable insurance for the elderly on the market, and there are not many options for the elderly to buy Ping An insurance. I found that there is a Ping An Anti-Cancer Guard 2020 Cancer Prevention Insurance that is quite suitable for the elderly to buy. Not only the elderly can apply for Ping An Anti-Cancer Guard 2020, but also people with high blood pressure, diabetes, coronary heart disease, hyperthyroidism, tuberculosis and other people can directly apply for insurance, while Ping An Anti-Cancer Guard 2020 has no deductible, the claim threshold is low, and the policyholder will not refuse to apply for insurance because of his or her physical health.

This is a comprehensive cancer medical insurance, preferably with proton and heavy ion protection and tumor special drug protection, which can be said to be very friendly. <>

It is understood that this product can be purchased even by people over 65 years old, and his inclusion age has been up to 70 years old. Overall, Ping An Anti-Cancer Guard 2020 is still a very good product, with comprehensive protection, high cost performance, and groups with limited budgets can buy it, which is a very good choice, and you can learn about it if you need it.

Accident Insurance, Medical Insurance, Pension Insurance, Critical Illness Insurance, Personal Injury Insurance. It is also available for seniors over the age of 65.

It should be endowment insurance, medical insurance, critical illness insurance, and so on. All of them are very suitable for the elderly to buy, and the elderly over 65 years old can also buy them.

Critical illness insurance, personal safety insurance, property insurance, these insurances are suitable for the elderly to buy, and the elderly over 65 years old can also buy, and there are discounts.

There are many, such as medical insurance, commercial insurance, property insurance, and critical illness insurance, which are particularly suitable, and people over 65 years old can also buy them.

Critical illness insurance, accident insurance, endowment insurance, financial insurance, and home insurance can all be purchased, as well as for 65-year-olds.

Hello, I'm a daddy, and I'll answer for you next. Regarding the insurance allocation method for the middle-aged and elderly, it is recommended to refer to this article: "50-year-old middle-aged and elderly people should configure insurance, they should do this!" 》

With the increase of age and the decline of self-care ability, the elderly are prone to accidents, among which the incidence of accidental fractures is the highest. Therefore, buying an accident insurance for the elderly can allow them to spend their old age happily, and at the same time, it can also reduce our financial pressure in the event of an accident. So, how to buy accident insurance for the elderly?

Pay attention to the age of coverage. The elderly are more likely to have an accident and the amount of compensation is also higher, so the maximum coverage age of most comprehensive accident insurance is set at 60 years old, if your parents have exceeded the age range, don't worry, some insurance companies have launched comprehensive accident insurance for the elderly, the maximum coverage age can be up to 75 years old.

Focus on protecting interests. General accident insurance mainly covers accidental death, disability, and accidental medical treatment. If you want more protection, you can purchase an insurance plan that covers accidental hospitalization and gives you a daily allowance during your hospitalization.

At the same time, you also need to consider whether the insurance company will cover accidents that are more common in the elderly, such as broken bones.

Be wary of limitations. When the elderly buy insurance, the requirements of the insurance company are many. Before purchasing accident insurance, the elderly must carefully read the restrictions and clarify which ones are not covered, so that they have a clear idea of what is not covered and achieve a comprehensive understanding of the insurance product.

Hope it helps.

There are still a lot of accident insurance for the elderly on the market, and Daddy reminds everyone that when choosing accident insurance for the elderly, we must understand the coverage and exemption clauses of this type of product, so that we can choose the right product.

How to choose accident insurance, you might as well take a look at this:

The latest accident insurance list in 2021, which company is better to buy accident insurance? 》

So what should you pay attention to when buying accident insurance for the elderly?

(1) Scope of reimbursement

Of course, the scope of accidental medical reimbursement is not limited to social security, and expenses outside the scope of social security can also be reimbursed, so you need to spend less money. When it comes to choosing a deductible, the lower the better, of course, 0 deductible is best, and the reimbursement ratio is as high as possible, with the best reimbursement ratio being 100%.

(2) Hospitalization allowance

If an elderly person is unfortunately hospitalized and the children need to go to work to support the family, it is impossible to be with them all the time, then it is necessary to hire a caregiver, but the cost of the caregiver is not low, which may bring financial pressure to the children. The hospitalization allowance for the accident insurance for the elderly subsidizes some of the expenses on a daily basis, and these expenses can reduce the financial pressure.

(3) Fracture benefit

The elderly are prone to osteoporosis, and if they unfortunately fall accidentally, it can easily lead to fractures, so it is very practical for the elderly accident insurance to include fracture protection.

(4) Accidental Death Disability Sum Assured

In order to control the cost of insurance companies, the death and disability insurance of the elderly accident insurance will not be too high, generally within 100,000, so the insurance amount of the elderly accident insurance is not the focus of our attention, we should focus on other aspects, such as the reimbursement scope of accidental medical treatment.

(5) Disclaimer

Before we buy accident insurance for the elderly, it is also important to understand the exclusion clauses, and we need to know which situations are not covered to avoid disputes in subsequent claims.

Hello! At present, there are many companies in the market for accident insurance for the elderly, such as Dadi Insurance, Chinese Life, Taikang Pension, Starr Property Insurance, etc., among which Dadi Insurance's products include "Fushou Ankang" comprehensive accident insurance plan for the elderly; Chinese Life Insurance - Chinese Life Property Insurance Golden Years Old Age Accident Insurance Plan, etc.; Taikang's pension includes Taikang's "old and blessed" accidental fracture insurance, etc.; Starr P&C Insurance has the "Go Home and See" Elderly Accident Insurance Plan, etc., which you can choose according to your actual situation.

Summary. 2. Prepare reimbursement claims according to the requirements of the insurance company, and prepare different materials according to different types of accidents, such as the list of inpatient medical expenses, the insured's ID card, bank card, outpatient medical record, outpatient invoice, disease diagnosis, total invoice for hospitalization expenses, medical insurance statement, discharge record, accident manual, and if there is a relevant examination, the corresponding inspection report is also required; If it is an accident, you will also need to prove the accident.

Hello dear, Ping An 85-year-old Hello accident insurance reimbursement process is as follows.

2. According to the requirements of the insurance company, prepare the data of the scattered reimbursement claim information, and prepare different materials according to different types of accidents, such as the reimbursement of accidental medical expenses, the general need to prepare a list of inpatient medical expenses, the insured's ID card, bank card, outpatient medical record, outpatient invoice, disease diagnosis, total invoice for hospitalization expenses, medical insurance settlement form, discharge record, accident manual, if the excavation group has relevant inspections, it is also necessary to provide the corresponding inspection report; If it is an accident, you will also need to prove the accident.

3. Prepare the first bright material for the claim, guess the rush to the insurance company to submit the reimbursement claim materials, if the accident insurance has advance payment service, then you can first ask the insurance company to advance the hospitalization medical expenses, and wait until the insured is discharged from the hospital to submit the materials.

4. Wait for the insurance company's review.

5. According to the information submitted, the insurance company will review the claim, and if it is within the scope of insurance liability, it will pay according to the agreement of the Heqian family, and the claim will be directly credited to the bank account for verification.

That's all for it, I hope you find it helpful!

Summary. Hello, glad to answer for you. How about Ping An's accident pension insurancePing An's accident pension insurance is good, oh advantages:

1. There are two protection plans for this product, and the protection content provided by different insurance plans is the same, but the amount of protection and premium** are different, and the policyholder can flexibly choose the protection plan according to their own protection needs. 2. Accident medical insurance has a wide range, and the accidental medical insurance of many accident insurance can only reimburse the medical expenses within the scope of social insurance, and the insurance amount is not high, usually only tens of thousands of yuan. The accident medical treatment of the nursing insurance is not limited to social insurance reimbursement, and there is no deductible limit, and the coverage amount is still very high, with a maximum of 500,000 insurance amounts.

Hello, glad to answer for you. How about Ping An's accident pension insurance, Ping An Luhe's accident pension insurance is good, oh advantages: 1. Flexible insurance This product has not been stared at two protection plans for a long time, and the protection content of different insurance plans is the same, but the amount of protection and the premium are different, and the policyholder can flexibly choose the protection plan according to his own protection needs.

2. Accident medical insurance has a wide range, and the accidental medical insurance of many accident insurance can only reimburse the medical expenses within the scope of social insurance, and the insurance amount is not high, usually only tens of thousands of yuan. The accident medical treatment of the nursing insurance is not limited to social insurance reimbursement, and there is no deductible limit, and the coverage amount is still very high, with a maximum of 500,000 insurance amounts.

3. Wide range of underwriting ageThis is an accident insurance product designed for middle-aged and elderly people, and its chiropractic early insurance age is very friendly, and Shengye World can support up to 85-year-old people to insure.

Summary. Ping An Middle-aged and Elderly Accident Insurance Four Points:

1. Understand the scope of liability, the scope of liability of accident insurance generally includes four types: accidental death, accidental disability, accidental medical treatment, and accidental hospitalization allowance;

2. Master the product features, which can be divided into traffic accident insurance, travel accident insurance, and comprehensive accident insurance according to the scope of protection, and you can find a suitable one for yourself;

3. Read the terms of the insurance carefully to understand the exemption from liability, the insurance period, the claim procedures, whether there are restrictions on the hospital to be treated, the reimbursement ratio, etc.;

4. In case of an accident, call the insurance company in time to apply for a claim, and then prepare the claim information.

What is the difference between Ping An's annual worry-free comprehensive accident insurance and Ping An's middle-aged and elderly accident insurance?

Hello, dear, I'm honored to answer your questions, I'm the <> of Wenqutang Financial Research

Please destroy the book, you wait, is analyzing your question, and will reply to you immediately, please wait a little Thank you

Ask about custom messages].

Worry-free accidents are an additional type of insurance for universal insurance, and there is a special benefit for public transportation accidents, that is, double compensation.

Ping An middle-aged and elderly accident insurance four points: 1. Understand the scope of liability, the scope of accident insurance liability generally includes four types: accidental death, accidental disability, accidental medical treatment, and accidental hospitalization allowance; 2. Master the product features, according to the scope of protection, it can be divided into traffic accident insurance, travel digital accident insurance, comprehensive accident insurance, you can find a suitable oneself; 3. Read the insurance terms carefully to understand the liability exemption, insurance period, claim procedures, hospital restrictions, reimbursement ratio, etc.; 4. In case of an accident, call the insurance company in time to apply for a claim, and then prepare the claim information.

Ping An middle-aged and elderly accident insurance premiums are more expensive, and the characteristics of middle-aged and elderly people at the time;

Ask about custom messages].

Ping An's annual worry-free comprehensive accident insurance has cheap premiums, but it is relatively not so suitable for middle-aged and elderly people, thank you.