If the salesman recommends you to buy insurance like this, which is the most cheating insurance in h

The most cheating parents should beCritical illness insurance！Why? There are two reasons for this.

The sum insured (i.e. the money reimbursed) of critical illness insurance

When parents reach a certain age, the premiums paid for critical illness insurance are very expensive, ranging from 3,500 yuan per person. The vast majority of parents will feel that it is expensive, at this time, the promoter will recommend the small amount of insurance for the sake of business, saying that there is no difference between the diseases covered by the insurance, but in fact, the amount of insurance (reimbursement costs) has been reduced.

As a result, there will be two situations: one is to find that after paying the insurance for several years, in the end only a little bit is paid, which is not enough for medical expenses. The second is to find that the money paid has accumulated more than the guaranteed money.

The terms of the critical illness insurance.

When parents sign up for insurance, they usually choose to ignore the dozens of pages of insurance terms. It's easy to fall into the pit. The insurance salesman will also suggest that the parents don't need to read it, it's all boring text, just listen to him, and sign it directly.

But the terms of critical illness insurance are important!

The insurance policy will list in detail the scope of insurance, the scope of insurance liability, the amount insured, the cost of insurance and the duration of insurance. And these contents, although boring, are all about themselves. It also gives insurance salesmen the opportunity to dig holes.

In the scope of insurance, in the "Specification for the Use of Disease Definitions in Critical Illness Insurance" promulgated by the Insurance Industry Association of China, critical illness insurance must include 6 types of compulsory insurance, 19 types of optional, a total of 25 types of critical illness.

However, some insurance plans do not cover these 25 diseases, but they cover other diseases with low prevalence.

This will produce a result: I have a critical illness, but the insurance I purchased does not cover it, and I have not been able to cover the premium for many years. I still have to spend a lot of medical expenses to ** the disease.

Therefore, critical illness insurance is the insurance for the most cheating parents. When buying insurance, you should start from yourself, do a good job of financial analysis, give priority to your needs, see what protection you need, and then choose the right product.

As children, you should also give your parents more advice, so that you can avoid being deceived.

That must be life insurance and critical illness insurance, this kind of insurance has high premiums, more oil and water, the more you pay, the more you earn, what parents really need is millions of medical insurance and accident insurance. Buying insurance still depends on your own needs, don't blindly follow the trend, others buy what they buy, and choose the most suitable insurance for yourself based on your own conditions.

Cash-back type insurance. Parents will think that it will be good to get the money back after the payment is due, but in fact, the premium of this kind of insurance is also much higher, and it is not worth it to take out the money when it is urgent to use it in the middle of the way.

The most pit parents' insurance is endowment insurance for people whose parents are so old. As we all know, the endowment insurance and participating insurance in the insurance are based on the number of years to superimpose the income. So if you give this kind of insurance to parents who are 50-60 years old. It's very uneconomical.

If the salesman recommends this kind of insurance to me, it is the most cheating parent in history, that is, the dividend insurance and the salesman takes the initiative to return the insurance to me, these insurances are all deceptive, and the salesman is in order to get a commission.

If your parents are older and in poor physical condition, they cannot apply for critical illness insurance or it is not cost-effective to buy critical illness insurance, you can consider replacing critical illness insurance with cancer insurance.

Cancer insurance simply means that if the insured is diagnosed with cancer and meets the claim criteria, you can get the compensation you deserve.

Regarding cancer insurance, I have done a detailed analysis before, and friends who want to know more can read the following article:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

Health insurance, such as critical illness insurance and medical insurance, can well transfer the economic risks caused by parents' illness and hospitalization.

For example, if the parents are sick and meet the conditions for critical illness insurance, the insurance company will compensate the insurance money, and most of the medical expenses incurred during the parents' hospitalization can also be reimbursed through medical insurance.

The top 10 million medical insurance rankings are newly released!

As for the accident insurance, it is very easy to understand, it is mainly to protect accidental death, and some products will also set up accidental total disability, accidental hospitalization allowance and other protection, ** is not expensive, it is very suitable for older parents to insure.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

For example, critical illness insurance, like elderly parents, most of them will have some minor physical problems, and may not be able to pass the health notice, even if they can buy, most of them will have the situation that the premium exceeds the sum insured, which is definitely not cost-effective.

When buying insurance for your parents, you can take a look at these precautions in advance:Which is better, how to buy a good deal, teach you to avoid these pitfalls of insurance

Generally speaking, the insurance suitable for parents is cancer insurance, million medical insurance and accident insurance. Let's take a closer look at these major types of insurance:

1. Cancer insurance.

Cancer insurance is an insurance plan that specifically provides protection against cancer hunger. This type of insurance has a relatively wide range of insurance ages, and the health notice is relatively relaxed, which is more friendly to elderly parents, and the elderly people like the "three highs" also have the opportunity to be insured. Even if a parent has cancer and meets the criteria, they can still receive a lump sum benefit.

2. Million medical insurance.

Million medical insurance is used to reimburse the insured for the cost of illness**, a few hundred dollars of premiums can get millions of insurance amounts, elderly parents are prone to various diseases, at this time a million medical insurance is really necessary.

3. Bad and clever travel outside the risk.

Elderly parents, such as falls, fractures, etc., are very common, and they do not react so quickly, the risk of accidental injury is much higher than that of other age groups, and accident insurance can just transfer the financial risk caused by accidents, which is also very practical.

What are the insurance for the elderly, and what insurance is good for your parents, you all need to knowHope.

If you don't know what insurance to buy for your parents, you can check out this article: What insurance is good for your parents, you need to know.

1.Premiums are upside down.

Under normal circumstances, the older you are, the higher the insurance premium, so when you buy insurance for your parents, you must pay attention to see if the premium exceeds the insurance premium. If the premium exceeds the sum insured, it will definitely not be cost-effective.

2.Protect before you manage your finances.

Many friends buy insurance for their parents, and they will first purchase some insurances with a financial nature, such as annuity insurance, thinking that this will ensure their parents' retirement life.

But in fact, the way to protect first and then manage money is the right way, just imagine, if the personal health of parents is not guaranteed, then what is the point of talking about financial management.

Therefore, when you buy insurance for your parents, you must first configure the basic life insurance.

Generally speaking, the life insurance suitable for parents is critical illness insurance, cancer insurance, medical insurance and accident insurance.

Due to the current high incidence of critical illness, it is very important to insure critical illness insurance for parents, but the maximum insurance age of most critical illness insurance on the market is only 55 years old, if it is more than 55 years old, it is more difficult to insure a suitable critical illness insurance, and there may even be a phenomenon of inverted premiums.

What is cancer insurance, how to buy it, which one to talk about well, comprehensive analysis, comparative evaluation.

As for accident insurance and medical insurance. As we all know, after parents get older, their physical functions gradually decline, and they are prone to illness or accidents, so accident insurance and medical insurance are also essential.

It is not easy to buy insurance for parents, it is recommended to pay more attention to these two points: the first is insurance products, and the basic protection insurance that is more suitable for parents is mainly cancer prevention insurance and accident insurance. Second, when applying for insurance, you must choose the right insurance product according to the actual needs of your parents.

If you really don't know how to buy insurance for your parents, then don't miss this article: what are the insurance for the elderly, what is the good insurance for your parents, you need to know all these things.

Consider the following plans in order.

1. Reimbursement-type medical insurance.

If you are in good health, choose a million medical insurance, and the reimbursement ratio is high.

If you have a chronic disease or something like that, you can invest in Huimin Insurance, ** guided, no age and disease, super friendly to the elderly, and a ** with young people, which is equivalent to subsidizing the elderly.

Cancer medical insurance is not recommended, the reimbursement scope is limited, and it is more expensive than Huimin Insurance.

How to buy: Use Alipay to search for "Million Medical", "City Insurance" (that is, Huimin Insurance) 2, accident insurance.

The elderly will react more slowly, the probability of accidents such as falls is greater, and the recovery is also slower, so accident insurance is still necessary.

How to buy: Use Alipay to search for "elderly accident insurance", and choose the product to be more high-quality.

3. Benefit-based cancer insurance.

It is not cost-effective to buy a critical illness over the age of 50, it is expensive and the threshold is high. Benefit-based cancer insurance is a replacement for critical illness, and you can also apply for insurance with three highs, and you will lose a large amount of money at one time if you are diagnosed, which can well relieve economic pressure. Moreover, cancer claims account for more than 70% of critical illnesses, which is cost-effective.

The disadvantage is that, like critical illness, the annual premium is relatively high, and the family's financial conditions need to be considered.

How to buy: Use Alipay to search for "middle-aged and elderly cancer insurance", and select the product to be of better quality.

Hello, if the elderly are over 50 years old, then it is recommended that you give priority to medical insurance and comprehensive accident insurance. Comprehensive accident insurance is mainly used to transfer losses caused by accidental injuries, such as serious accidents such as falling, cat scratches, dog bites, burns or traffic accidents. Medical insurance is mainly used to transfer the ** cost of hospitalization when you are sick, and you can cover the remaining out-of-pocket part after social security reimbursement, so you don't have to worry about getting sick and having no money for treatment.

Hello, first of all, congratulations on your very insurance concept, I think there are many ways to honor your parents, such as you want to buy insurance for your parents, do your best, do you have enough protection for yourself? Parents are the protection of children when they are young, and children are also the protection of parents in old age. Therefore, I personally suggest that you yourself need adequate accident protection the most, and buy some accident insurance and some medical insurance for your parents

Many people want to buy an insurance for their parents, but many novices have no choice.

First of all: the sooner you buy insurance, the more "cost-effective" it will be (cost-effective is not just a matter of money).

One more thing: Generally speaking, when you want to buy it, it is often very difficult to buy ......

If it is an elderly person over 65 years old, in general, at this age, the door of insurance is already closed to them.

If your parents are in their 50s, there is still some insurance to buy at this time.

However, critical illness insurance is not recommended – it is too high and the coverage (relative to the premium) is too low, or even inverted, i.e. the premium paid is higher than the sum insured.

How to buy insurance for elderly parents, you can refer to the following suggestions?

1.If you are willing to pay for a long time, you can choose a pure life insurance policy (i.e. you must die to receive compensation) and choose the longest possible payment period (some can be as long as life).

Because the rate of life insurance is relatively low, and a reality must be faced, that is, the elderly will have an illness before leaving, and the money for illness is generally given by the children, and the elderly will eventually leave, and the final insurance payment will be handed over to the children of the elderly ......

Maybe everyone doesn't want to hear the word "life and death". However, there is no way, this is a fact and a law of nature. Each of us will leave this world.

Understand that when we buy insurance for our parents, we are actually buying it for ourselves.

2.Accident insurance (including accidental medical treatment).

a.With the change of physical fitness, it is more common for the elderly to fall or fracture, and accidental medical insurance can provide greater support in this regard.

b.The characteristics of the elderly themselves cause them to have a slightly more likely accident than that of young people, so accident insurance is very important.

c.When you get older, especially over 60 years old, you basically can't buy any long-term life insurance, so short-term accident insurance has become almost the only option, including card orders. Some of these types of insurance can be purchased up to the age of 65 or even 70, and then renewed to a higher age.

d.Reminder, such insurance is short-term, consumer-based, and non-refundable.

3.Family member insurance.

a.Some long-term riders allow for certain benefits for family members, which must be critical illness or accident – note that these riders are (generally) consumption-based.

b.Some insurance companies offer group accident insurance programs that cover all family members for one person. This point is an extension of the second item above, and consists of two ways:

c.One insurance, a fixed fee, one person insured, and then the family members as their "statutory" insureds (fewer people, the same cost);

d.One insurance, one person insures, and the cost is calculated according to the number of insured people and the amount of insurance you have added.

Always be cautious and optimistic about life, and always be responsible and caring for your family. It's an attitude, but it's also a choice.