There is little need to buy insurance for your parents

The necessity of buying insurance for parents is still relatively large, parents are old, not only prone to illness, but also prone to accidents, and the function of insurance is to transfer economic risks, after buying insurance for parents, parents can get the corresponding personal protection, transfer the economic risk brought by specific circumstances.

Let's find out what insurance you can buy for your parents: what is the insurance for the elderly, what insurance is good for your parents, these are all you need to know.

Parents have just retired to enjoy the time of happiness, as children should be equipped with insurance for them to protect them from the risk of illness or accidentsWhat are the insurance for the elderly, and what insurance is good for your parents, you all need to know

1. What are the risks to parents?

1. Risk of cancer disease:In January 2019, the National Cancer Center released the latest edition of national cancer statistics. Malignant tumor deaths account for all causes of death among residents, and the incidence and death of malignant tumors have continued to increase in the past ten years, and the prevention and control situation is grim.

From the perspective of age distribution, the incidence of malignant tumors increases with age, and the distribution of the incidence is mainly concentrated inOver 60 years old, reaching its peak in the 80-year-old age group.

2. Risk of accidental injury:When parents are older, their movements are not so convenient, and their reaction speed when they encounter danger is not so fast, and their physical tolerance will be weaker after an accident than that of young people, and the possibility of hospitalization is also greater; In addition, there will be accidents, such as falls, burns, and choking.

2. What types of insurance should be configured for parents?

In order to cover the above risks, it is recommended to provide configuration for parentsCancer medical insurance + accident insurance

1. Cancer prevention medical insuranceCancer prevention medical insurance is a kind of medical insurance, as a supplement to social security, can reimburse the cost of cancer medication, **, hospitalization, etc., can greatly reduce the economic loss of the family because of the elderly suffering from cancer, and the cancer prevention insurance on the market has low insurance restrictions, even if the physical condition is not very good, you can also find the right product to insure, the selection of cancer prevention medical insurance also requires skills, made a comprehensive comparison of popular cancer prevention medical insurance, you can take a look at this:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

2. Accident insurance for the elderly:The health notice of the accident insurance for the elderly will be more relaxed, and the leverage is very high, the premium of a few hundred yuan a year can buy hundreds of thousands of insurance amounts, and the accidental medical treatment and death caused by accidents can be compensated, which is a kind of insurance suitable for the elderly.

You have to be clear. Your parents have to support you if your parents get sick in the future. It's also you who pay. Or an accident. Buy an insurance policy for your parents. Later. If your parents are sick or have an accident, the insurance company will support your parents.

Seniors under the age of 55 who are in good health and economic condition are suitable for purchasing commercial health insurance. For other elderly people, it is not recommended to pay high premiums to buy this type of insurance, because there may be a phenomenon of "inversion" of premiums (meaning that the sum of the total premiums paid is greater than the sum of the benefits and benefits that the insured can receive).