What is health insurance for the elderly???

Hello, health insurance refers to the insurance that insurance companies pay insurance benefits for losses caused by health reasons through sickness insurance, medical insurance, loss of disability income insurance, and nursing care insurance.

There are a few things to keep in mind when applying for health insurance:

First, read the terms of the insurance carefully to understand what is covered and what is not.

Second, remember to check the cash value chart to find out how much the policy is worth.

Again, patiently fill out the insurance policy, seek truth from facts and be meticulous.

Fourth, be sure to sign in person, and never ask someone to write for you.

Fifth, be prepared for medical exams that may be required.

Hope it helps.

There are three questions that must be considered when buying insurance:

The first is to choose a company, which is different from company to company, just like when you deposit money in a bank, different banking services are also different.

Different industries have different emphasis on company requirements, and for insurance companies, it is easy for us people to understand, liability reserve is a very important indicator; The company's development history is also an important inspection indicator, 100 years old and a decades of companies are still very different, and the insurance company has a 25-year claim peak, so the company's development history is also one of the important indicators;

The second is to choose ** people, because ** people represent our interests and are equivalent to our insurance lawyers;

People are very important, and the industry is very mobile, so there is a certain difference between a senior insurance person and a beginner in terms of professionalism and responsibility. Senior people, due to the recognition of the industry, will continue to make correct recommendations in different periods of customers, so that customers have the best and most perfect protection in different periods and different states!

The third is the product. Then you have a good company and a good person to serve you, and you are still worried about not having a good product?

The product is just a tool to meet your requirements now. With a good company and people, a good product design will definitely meet your existing needs.

How old are you??? Commercial insurance. It's hard to buy. Because it's not like you can buy it if you want to. When you are older, you need to have a physical examination. Basically, you can't pass, and if you have a record, you will directly refuse insurance.

Clause. 1. You can buy some critical illness insurance, the amount of insurance is about 40,000 yuan, divided into 10 or 20 years, and the annual premium is about 3,000 yuan.

Clause. Second, you can also choose accidental injury medical insurance for your parents, this insurance is pure consumption, and the general annual premium is about 150 yuan.

Clause. Third, there is a kind of universal life insurance, this insurance variety is also good, Zheng stared at most of the insurance companies customized the amount of insurance is 20,000 to 40,000 yuan, the payment period is relatively free, orange bush with annual premium depending on personal ability, the common range of 2,000, 4,000 yuan.

Clause. 4. At present, commercial health insurance mainly includes critical illness insurance, hospitalization expense reimbursement insurance and hospitalization subsidy insurance.

With the continuous increase of age, the physical health of middle-aged and elderly people will be much worse than before. Your parents are 50 years old and if you want to protect their health, you should take out the right health insurance. What health insurance is suitable for middle-aged and elderly people?

For middle-aged and elderly people, they should choose products with hospitalization and critical illness protection when applying for health insurance. Before you apply for insurance, you need to pay attention to:

1.Before purchasing a health insurance product, it is recommended that you read the terms of the insurance liability carefully to understand the specific coverage of the insurance.

2.When applying for insurance, you should pay attention to truthfully informing, autographing, choosing a hospital approved by the insurance company and reporting the case in a timely manner, and keep the information required for the claim settlement as needed.

3.When applying for a claim, it is advisable to pay attention to the deductible clause, as those who are less than the deductible will not be compensated.

4.Choose a health insurance product based on your grandmother's actual insurance needs at the moment. To buy health insurance for your 50-year-old parents, you can refer to the above advice. There are a variety of health insurance products for middle-aged and elderly people, and you are welcome to come and buy. The following products are recommended for you:

Sunshine Hearts 128 Critical Illness Protection Plan.

Genuine Care Hospitalization Allowance Medical Insurance.

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

Whether health insurance is suitable for the elderly depends on the regulations of what insurance and insurance products, and whether it meets the insurance needs of our elderly. Generally speaking, it is recommended that the elderly group configure critical illness remorse insurance, million medical insurance, if the elderly are not in such good physical condition, they can also choose to buy cancer insurance and other insurance. Senior sister here has compiled a list of Baobi vertical insurance products suitable for the elderly to buy, you can collect it:

Ten insurance points that are super suitable for the elderly to buy!

Hello! Insurance products suitable for the elderly over 60 years old, generally have health medical insurance, accident insurance, etc., in general, the correct order for the elderly to buy insurance is: first to buy health medical insurance, followed by to buy accident insurance.

Since the elderly over the age of 60 often face certain age or physical requirements when buying insurance, it is especially necessary to pay attention to choosing health medical insurance and accident insurance products that are suitable for them. , minimum protection plan (60 yuan year), can be insured under the age of 74. It also provides coverage for accidental medical advances and medical rescue.

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

Hello: At present, there are three main types of old-age insurance in the market: medical insurance, accident insurance, and life insurance.

Before purchasing insurance products, the elderly should first determine which aspects to focus on, such as accident risks, medical expenses for illness, and pension expenses for living comfortably in old age. Overall, older people are more likely to develop the disease than other groups because they are a socially disadvantaged group. In the case of an imperfect social medical security system, it is necessary to seek more comprehensive health protection through commercial medical insurance.

Therefore, the first thing that the elderly need to consider when buying insurance should be medical insurance. In addition, the probability of accidental injuries such as traffic accidents, accidental falls, and fires among the elderly is higher than that of other age groups, so accident insurance should also be an important choice for the elderly to buy insurance. For life insurance, it actually includes death insurance, survival insurance, and life and death insurance, and does not include health insurance.

The vast majority of the elderly are retired and generally do not need to take care of their children, nor do they have the burden of housing loans, so they do not need the protection of death insurance. As for survival insurance, it should be bought when you are young and enjoyed when you are old.

Traditional endowment insurance, participating endowment insurance, universal insurance, investment-linked insurance.

1. Traditional pension insurance: Since the predetermined interest rate is determined, how much money you will receive in the future can be known when you apply for insurance, but it is not high in terms of income. This type is suitable for people who have a conservative financial management style and are unwilling to take risks.

2. Dividend: more anti-inflation.

Advantages: Participating pension insurance can increase income for policyholders.

Disadvantages: The participating insurance rate is relatively high, and the dividend is uncertain, which is suitable for people with financial needs. However, it is important to know that the earlier you receive the pension, the higher the rate, and the lower the return on investment for this type of insurance.

3. Comprehensive insurance: low-income people should not "pay quickly and receive quickly".

Both insurance is a wealth management insurance with higher premiums, especially those with short payment periods and fast reception, with higher rates, which are suitable for people with higher family income levels.

4. Investment-linked insurance: medium and long-term investment reserve pension.

The advantage of this type of insurance is that when the accident + illness + pension protection is more comprehensive, the policyholder has no worries and can obtain income through the long-term investment of investment-linked insurance. The payment period should be at least 20 years, and when the market risk is large, investors can put funds into a stable channel through the account conversion function of investment-linked insurance, and when the market profit is obvious, they can also transfer back to the aggressive account, and avoid the risk of market fluctuations through long-term investment.

5. Universal insurance: long-term compound interest income is considerable.

The investment channel of universal insurance is relatively stable. Due to the adoption of compound interest calculation, the income is higher and the withdrawal method is flexible. For the account value of the policy, the policyholder can receive it free of charge to meet the unexpected needs.

At the same time, the payment method is also more flexible, if the policyholder's income is unstable and it is difficult to pay the premium in time, the payment can be temporarily deferred or not paid, and when the income allows, the arrears of the premium will be made up, so that the pension plan will not be easily interrupted.

Hello friends: Welcome to Kwaiwang consultation, the meaning of insurance is protection, and the most important thing is what kind of insurance plan can really meet their own needs and solve their own worries. At the age of 60, social security is the foundation, if you have the financial ability, you can pay attention to the comprehensive protection of serious illness, accident and medical treatment, and you can also strengthen the reserve of financial management, and reserve a lot of money for your old age and children.

The age of 60 is the last hurdle of life insurance, after which you can no longer apply for insurance. But at this age, the payment is relatively high, and it is definitely necessary to have a physical examination. I hope it will be helpful to you, I wish you well, and I will serve you wholeheartedly.

Reference: Auspicious Three Treasures Gold Butler 60 years old 70 serious illness plan.

Hello: 60-year-olds are past the best age to buy insurance. Sickness insurance is not available, you can buy some accident insurance, the elderly have brittle bones and slow movements. Good luck reference: How to buy insurance cheaply.

For the elderly, it is difficult to inform the health of the product through the product because of physical health problems, especially critical illness insurance. If you don't tell the truth, the result will be like this:"If you don't tell the truth, can the insurance company definitely not pay for it?" 》

Even if you are told, the premium is much more expensive than that of young people. Therefore, critical illness insurance is not worth recommending, so the elderly can configure insurance, focusing on these two types of insurance: accident insurance and medical insurance. The detailed analysis is as follows:

1.Accident insurance, it is recommended to choose

Consumer-based accident insurance is cost-effective, disability liability is not covered by other types of insurance, and the general health notice is not strict, so it is recommended to choose. For a detailed insurance strategy for accident insurance for the elderly, see this:"Accident insurance for the elderly is configured like this, ***".

Under 59 years old, it is recommended to have little bee accident insurance, 158 yuan to cover 500,000 yuan, including hospitalization and medical treatment, the ultimate cost performance.

2.High medical insurance (reimbursement type), if you can invest, you can invest

The older you get, the higher the chance of serious illness. According to the insurance company's claim report data, the average cost of critical illness is about 10-300,000 yuan, and it is necessary to have high medical insurance (also known as million medical insurance) that can reimburse high medical expenses.

The maximum age of most million medical insurance plans in the market is 60 years old, and the annual premium for 60 years old is about 1500, and then increases every year, and can generally be renewed to 80 years old or above.

If you are in good health and meet the insurance age, you can consider these products: Zhongan Exclusive e-Life, Ping An e-Life, Chinese Baobao Medical Insurance and other million-dollar medical insurance.

If you are over 60 years old and under 65 years old, you can consider Zhong'an Exclusive e-Birth Parent Edition.

3.A great replacement for cancer insurance, million medical insurance, and critical illness insurance.

The incidence of cancer accounts for about 70% of major diseases, which does not meet the requirements of medical insurance and critical illness insurance, and can be replaced by cancer prevention insurance that covers a single disease.

The disadvantages of cancer insurance are obvious: it only covers cancer, and the protection is not comprehensive;

There are also many advantages, such as loose health notices and simple insurance rules, which are especially suitable for the elderly. How to configure cancer insurance? The guide is here:"Parents' cancer insurance is the most attentive to buy like this, don't forget to pay attention to these points".

Cancer prevention medical insurance, equivalent to a million medical insurance with simplified liability, some products are insured at an age of up to 80 years old, consider these products: peace of mind insurance for a lifetime, good medical insurance cancer prevention medical insurance, Ping An anti-cancer guard 2020 and other products.

There are fewer types of insurance that can be bought for the elderly who are not in good health, so my advice is: buy it"Medical insurance + cancer insurance + cancer medical insurance + accident insurance".

If you want to know which products can be bought for the elderly who are not in good health, you can read this article:

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

Medicare is a state welfareSickness insurance is allowed。It is very practical for the elderly who already have medical conditions and cannot buy commercial insurance.

Cancer insurance is a simplification of critical illness insurance, which can cover hundreds of critical illnesses, while cancer insurance only covers cancer. The benefit is simple but very practical because cancer is the most common critical illness.

For the elderly who are not in good health and cannot buy critical illness insurance, cancer insurance is the best choice.

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

Cancer medical insurance is also an insurance that specifically protects cancer, but cancer insurance is a one-time payment, and cancer medical insurance can only be used to reimburse medical expenses incurred due to cancer, such as hospitalization, surgery**, drugs, etc.

Compared with millions of medical insurance, the relatively loose and inexpensive cancer prevention medical insurance is more suitable for the elderly who are not in good health.

The role of accident insurance is to transfer the risk of accidents, which is very practical for the elderly who are prone to bumps and fractures. Moreover, there is no health notice for accident insurance, and the premiums are the same for different ages, which is very friendly to the elderly.

In 2020, the most suitable accident insurance for the elderly is here