Filial piety will give parents the most adequate protection, and the right insurance will be done on

Many parents have worked hard for their children all their lives, and after retirement, they are also old enough to enjoy their old age. Children are relatively filial, so they hope to buy one or two insurances for their parents to provide protection for their parents' later life. However, there are still many points to pay attention to when buying insurance for the elderly.

If you don't notice something, you may step into the big hole of the insurance industry. <>

For example, after the elderly are over 55 years old, it is not very cost-effective to buy critical illness insurance. In order to reduce the risk, many insurance companies do not offer critical illness insurance to the elderly. Although there are a few products that can be purchased by the elderly after the age of 55, the conditions are also very harsh, and there will even be a situation where the premium paid is greater than the sum insured.

So what kind of insurance can children buy for their parents to give their parents the greatest protection? <>

First of all, be sure to buy an accident insurance for your parents. The threshold of accident insurance is relatively low, no health notice is required, ** cheap, and the amount of insurance is high. When many elderly people reach a certain age, they will have loose bones.

In daily life, it also increases the chance of accidental falls. For example, you may slip while cooking, and you may fall when walking on the street. Therefore, it is necessary for children to spend one or two hundred yuan a year to configure an accident insurance for their parents.

Although you can't buy a suitable critical illness insurance for your parents, you can configure a cancer insurance for your parents. For the elderly, cancer insurance is relatively cost-effective, and it will not be very expensive. As older people age, the probability of having a major illness also increases.

The coverage of the county may not be as extensive as that of critical illness, but it excludes the most common cancer in critical illness insurance. The insurance threshold for hindrance insurance is relatively low, and even if you have three highs of stroke, you can also buy cancer insurance. Compared with critical illness insurance, cancer insurance** is also very cheap.

For example, if you want to buy a cancer insurance with an insurance amount of 100,000 yuan for your parents, it only costs more than 700 yuan.

Buying an insurance policy may not be a one-and-done one-time solution, but it will bring great protection. People never know when the accident will come, and the parents are older, the resistance is reduced, and they are more likely to suffer from diseases, so it is very important to buy an insurance policy at this time. Formal medical reimbursement and comprehensive accident insurance are cost-effective.

Sickness insurance. Everyone hopes that their parents can have a good body, and they are even more afraid that they can't do anything when something happens. With sickness insurance, you can have a lot of peace of mind.

The most cost-effective is millions of medical care, as well as critical illness insurance, and accident insurance. This is the most cost-effective insurance, paying a few hundred dollars a year, which is the most cost-effective. Put the security back a lot. The variety of insurance is also comprehensive.

The most cost-effective insurance product is medical insurance, and the excess amount is as much as you want. Whether it's a major or minor illness, medical insurance can come in handy.

When buying insurance for parents, you can follow the following principles to prevent mining pits and avoid buying a bunch of insurance, but you can't use it if something really happens.

First, the order of purchase is important. When children buy insurance for their parents, they must first sort out the current situation of their parents. Look at what protection your parents currently enjoy, and what insurance you need to buy as a supplement, don't be fooled by the insurance salesman for a moment of brain fever and buy it indiscriminately.

Usually, the order of purchasing insurance is: medical insurance, accident insurance, critical illness insurance, and medical insurance. When these types of insurance are ready, the economic conditions allow to consider purchasing wealth management insurance. Because physical health is the most important, ensure that you have money when you are sick, and don't go back to the pre-liberation period at one time.

Second, the sooner you buy, the better. Some people just want to wait for their parents to turn 40, for their parents to retire, and for their ......The sooner you buy insurance, the better, and if you already have the awareness to buy it, and you think that it will be bought sooner or later, then the sooner you buy, the better. First, the earlier you buy, the cheaper it usually is; Second, the sooner you buy, the more secure it is.

For medical insurance and critical illness insurance, the younger the age of purchase, the lower the contribution amount. Waiting until you are old enough to buy it not only requires a medical examination report, but also risks being denied insurance.

Third, if there are special circumstances when purchasing, be sure to tell the truth. There is usually a "health notice" when buying insurance, and this must be told truthfully. Parents should inform them in advance if they are diagnosed with any diseases when they are young.

If the health notification is not passed at the time of underwriting, then the harm is less.

If you deliberately conceal it and are found out by the insurance company at the time of underwriting, then you will leave a record of being denied, and it will be more difficult to buy it in the future. Nowadays, the medical system is connected, and as long as the records of outpatient examinations in hospitals are recorded, they can usually be queried.

So don't think about deliberately deceiving the insurance company, even if you are fooled at the time, it may be unclear when it comes time to settle the claim. At that time, it will be even more depressing.