What insurance is suitable for 70 year olds

Hello! Parents over the age of 70 who are in average physical condition can consider configuring accident insurance.

Cancer prevention medical insurance, Huimin Insurance.

Finally, if you have any problems when buying insurance for your parents, or don't know which product to buy for your parents, you can click to make an appointment for [1-to-1 Insurance Planning Service].

Navy Paula. An attentive insurance broker will provide you with professional advice.

1. Accident insurance.

The elderly over 70 years old, the elderly, the legs and feet are not as flexible as before, and the accident insurance can reimburse falls and fractures.

and other medical expenses caused by accidents.

2. Cancer prevention medical insurance.

The insurance is very lenient and has high blood pressure.

It can also be bought, and it can be reimbursed for expensive cancer.

For medical expenses, it is recommended to give priority to products that guarantee long-term stability, such as being able to renew the insurance for a lifetime.

3. Huimin Insurance.

It can be used as a supplement to medical insurance to reimburse medical expenses. Some products have no health and age requirements and are suitable for parents who are not in good health.

In general, although it will be more difficult to buy insurance for the elderly over 70 years old, as long as you find the right methods and ideas, pay attention to your age, health status, etc., it is not difficult.

70-year-olds are suitable for accident insurance, million medical insurance, and cancer insurance.

1. Accident insurance: Osteoporosis for the elderly, plus the elderly often live alone, and they may not be found in time if they fall.

2. Million medical insurance: If you are in good health, your age is in or the only difference is that your parents are already 60 years old, and you can't buy millions of medical insurance, and the general medical insurance is purchased before the age of 60.

3. Cancer insurance: If the elderly are not in good health and have chronic diseases, it is not possible to buy medical insurance, so you can consider cancer prevention insurance and cancer prevention medical insurance.

4. Others: If you are too old, 80 years old, or have a great physical illness, and any commercial medical insurance and cancer prevention insurance do not meet the requirements, you can consider Huimin Insurance.

Restrictions on the elderly to be insured.

Buying insurance is an application mechanism, not that you can buy it if you have money, insurance is like a mutual aid community, everyone in the community is equal, pay premiums every year, and whoever has an accident will help whom. However, if there are people with a high probability of risk living in this mutual aid community, it is unfair to other residents, so there is a review mechanism before entering the community to ensure that the probability of community residents getting a claim is basically the same, so that it is fair. The insurance company is the auditor, and the most important audit criteria are:

Health conditions. 1.There is an upper age limit, and generally speaking, there are many fewer products that can be selected if you are over 60 years old. If you are over 70 years old, it is basically difficult to have insurance to cover it.

2.There is an upper limit on the sum insured of the product, and it is difficult to buy more.

3.Strict health requirements For example, for people with three highs, there will be restrictions on the purchase of tumors, polyps, cysts, and hepatitis B.

For healthy elderly people (no pre-existing medical history), there are many options for products to buy, the most basic ones are accident insurance, hospitalization medical insurance, and critical illness insurance.

However, due to the high cost of critical illness insurance for the elderly, and the tendency to invert premiums (the total premium paid is higher than the sum insured), we generally recommend choosing a cancer prevention critical illness insurance for the elderly with a lower premium - critical illness insurance that only covers cancer. If the elderly person has cancer, the insurance company will pay a sum of cash.

Solution: Insurance for the healthy elderly = accident insurance + hospitalization medical insurance + cancer prevention and critical illness insurance.

Program introduction: This program can protect the elderly because of accidents caused by injuries medical expenses reimbursement: such as fractures, etc., if the elderly are hospitalized because of accidents or illness, the expenses during hospitalization can be reimbursed through hospitalization medical insurance, including imported drugs, self-financed drugs, etc., if unfortunately suffering from cancer, then the ** expenses during hospitalization can be fully reimbursed, and at the same time, you can get an additional cash compensation of up to 200,000 yuan at a time after diagnosis, which can be used to hire nurses, buy nutritional products, etc.

The 70-year-old is suitable for buying cancer insurance and accident insurance, because the elderly are older and their physical health is not very good, resulting in a very limited number of insurance products for the elderly, and the health notice and insurance threshold of cancer insurance and accident insurance are more friendly to the elderly, so the 70-year-old is more suitable for the above two types of insurance.

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

1.Cancer insurance.

Compared with critical illness insurance, although the protection content of cancer insurance is not so comprehensive, only covering the first cost of cancer, but for the elderly, the insurance threshold is not so high, and the maximum insurance age of some cancer insurance products can be relaxed to 70 years old, and even some products can be 80 years old.

Secondly, the health notice of cancer insurance is also relatively relaxed, which is relatively friendly to some people who are insured with diseases, such as three highs, diabetes, coronary heart disease, rheumatism and other diseases, most cancer insurance can be insured.

So what are the insurance suitable for the elderly? Senior sister is here to tell you:

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

2.Accident insurance.

The physical fitness of 70-year-olds is not as good as that of young people, and the probability of accidents will be higher.

Moreover, when we are insuring accident insurance for the elderly, it is best to include accidental medical liability in the product, so that we can reimburse the outpatient and emergency expenses caused by accidents according to a certain percentage, such as accidental falls, burns, cuts, or fractures, brain ** and other accidents.

In addition, the senior sister would like to remind everyone that many accident insurance products do not require the insured to make health notices, so they are more friendly to the 70-year-old.

In 2023, the most worthwhile accident insurance is here.

It is more appropriate to give priority to the protection insurance of cancer insurance, cancer medical insurance and accident insurance.

Cancer insurance mainly provides cancer protection, and health notices are relatively relaxed; Cancer medical insurance can reimburse medical expenses related to cancer; Accident insurance is usually sufficient to provide coverage for accidental death, accidental dismemberment and accidental medical treatment.

When my parents get older, their bodies begin to decline. Their health problems have become a thorn in our hearts. But buying insurance for your parents is not easy.

There are few products to choose from, and the premium is more expensive. But now it is very necessary to buy an insurance for the elderly in the family, especially now that most of them are one-child families, and there are four elderly people on both sides, if something happens, medical expenses alone can crush a family. Then 60 to 70-year-olds can buy these types of insurance:

1. Accident insurance products. Accident insurance products also have requirements for the age of the insured, but there are no too many requirements for health status, even if you are sick, you can be insured, as long as you have the ability to live a normal life. There are many comprehensive accident insurance products for the elderly, which can support people up to 80 years old.

2. Cancer prevention insurance. Cancer insurance is an insurance product that specializes in providing cancer protection, which is not only less generous in health information but also much cheaper than major illness insurance. Many products support the insurance of patients with three highs.

Older people have a high chance of developing cancer, so there is a need for an insurance policy that provides cancer coverage. For more information on how to buy it, please refer to: "Parents' cancer insurance is the most attentive to buy like this!" 》

Because of the age and physical problems of the elderly, many insurance companies are unwilling to underwrite, so what kind of insurance can the elderly between 60 and 70 years old buy? Although the insurance coverage available to 60 to 70-year-olds is already small, there are still a few that can be purchased.

There are mainly these types of insurance in the general market: life insurance, million medical insurance, accident insurance and critical illness insurance.

1) Life insurance. The main role of life insurance is to protect the economic support of the family, and the elderly have almost no family responsibilities, so the life insurance itself is not suitable for the elderly to buy.

If you want to allocate life insurance, but the budget is tight, you can consider term life insurance with good value for money.

2) Million Medical Insurance.

Dad specially checked the recent popular million medical insurance, and the maximum insured age is 65 years old, so 75-year-old people can't buy million medical insurance.

3) Critical illness insurance.

Critical illness insurance can be divided into one-year critical illness insurance and whole life critical illness insurance.

The age of one-year critical illness insurance is generally 0-60 years old, and the maximum age for insurance is 70 years old.

The general issue age of whole life critical illness insurance is generally 0-55 years old, and the maximum issue age is only 60 years old. Therefore, life insurance is not suitable for the elderly to buy, while million medical insurance and critical illness insurance cannot be purchased by the elderly due to age restrictions.

In fact, there are still some of them, that is, accident insurance and million-dollar cancer insurance, which are very suitable for the elderly in terms of insurance age and protection.

Xueba talks about insurance, focusing on insurance product evaluation! Step-by-step instructions on how to choose the best insurance! Ten insurance points that are super suitable for the elderly to buy! , click to claim now, I believe it can help you!

The elderly are over 60 years old, in fact, there are very few types of insurance to choose from, but there are still a few suitable ones to buy, as follows:

1. Medical insurance. Medical insurance is the most basic guarantee provided by the state, which only costs a few hundred yuan per year, and can reimburse the basic expenses of medical treatment.

2. Cancer prevention insurance.

Cancer insurance is only for cancer coverage, which is malignancy as defined by critical illness insurance. Cancer insurance has the widest age range, with most cancer insurance policies having a maximum age of 70 or 75 years old, and some cancer medical insurance plans even extend the initial age to 80 years old.

3. Million medical insurance.

For general diseases, it is completely sufficient, and it can effectively supplement the medication and means of social security restrictions, and it is a very good choice to deal with the medical expenses of illness. For the elderly, it is a period of high incidence of diseases, and the cost is about 1,000 a year (some will be slightly more expensive). Moreover, million medical insurance also has requirements for health notification, so while your parents are in good health, you might as well buy it quickly.

4. Cancer prevention medical insurance.

Cancer medical insurance can only reimburse the first expense caused by malignant tumors, compared with millions of medical insurance, health notice will be more relaxed, and common middle-aged and elderly diseases such as hypertension, hyperlipidemia, and diabetes can be insured.

5. Accident insurance.

The health notice of this product is also very relaxed, there are not too many age restrictions, and it is also very suitable for the elderly. Like a fall and sprain, accident insurance is necessary.

What insurance is suitable for a 60-year-old rural elderly to buy?

The age of 65 is a feng shui period, after the age of 65, you can't buy millions of medical insurance, the choice is limited, choose cancer insurance and accident insurance. For the elderly aged 65 or below, if they are in good health, they will give priority to millions of medical insurance and accident insurance, combined with cancer insurance. If there are three highs, choose cancer insurance to prevent the risk of cancer.

Because older people are a socially disadvantaged group, they are more likely to develop the disease than other groups. In the case of an imperfect social medical security system, it is necessary to seek more comprehensive health protection through commercial medical insurance. My suggestion is to buy medical insurance for the elderly first and then consider pension insurance.

For medical insurance, it is recommended to choose a combination of critical illness insurance + accidental death insurance. Although the payment is higher, it is necessary to take into account the protection of the mainstay. At this age, the risk of critical illness is greater, and the health of the elderly is the most important.

Here we recommend China Merchants Cigna's evergreen life insurance, the insurance age is 55-75 years old, this insurance has four major advantages: 1. Exclusive protection: A tailor-made whole life insurance plan for the elderly, exclusive to 55 to 75 years old.

2. Simple insurance: no medical history, no physical examination, one pass ** guarantee underwriting. 3. Lifetime guarantee:

Sickness and accidental death are covered, giving you and your family more peace of mind. 4. Low premiums: Once underwritten, premiums will not increase with age or changes in health conditions.

Evergreen Life Insurance is your first choice for peace of mind when buying insurance for your parents.

60-70 years old has exclusive insurance, not limited to social security, need to communicate in detail

Dear Glad to answer for you. There may be certain restrictions on the purchase of insurance for 70-year-olds, and it is recommended to purchase insurance products specifically designed for the elderly, such as elderly cancer insurance, accident insurance, etc., or inclusive commercial supplementary medical insurance such as Anhui Huibao.

For example, the upper age limit of most critical illness insurance products on the market is 60 or 65 years old, and only a few critical illness insurance products will have a higher upper age limit of 70 years old.

Questions. Which insurance is available?

Product recommendation: The security guard enjoys comprehensive accident insurance for the elderly.

This product is designed for middle-aged and elderly people, 50-80 years old can be insured, and has a wide range of coverage, including accidental injury, accidental medical treatment, special fracture and dislocation protection, and additional subsidies for accidental injury ambulance costs.