What insurance should the elderly insure and what insurance is suitable for the elderly?

The elderly should take out life insurance such as medical insurance and cancer insurance. If the budget is sufficient, you can also configure pension insurance to prepare for retirement life. Although most of the elderly may have social security, the reimbursement scope of social security is limited, and the cost of some targeted drugs and specific drugs is not reimbursed.

Medical insurance can make up for this shortcoming, as long as it is within the sum insured, above the deductible and within the scope of the contract, medical insurance can generally reimburse it. For those who want to buy medical insurance for themselves or their parents, this freshly released list can be a must-see:

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Although there are some critical illness insurance policies on the market with a maximum policy age of 60 or 65, it is not very cost-effective for seniors over 60 to purchase critical illness insurance. Because the elderly are prone to inverted premiums when buying critical illness insurance, and most of the elderly have already had major and minor diseases, the health notice may not be approved. But don't worry, even if you can't get critical illness insurance, you still have the opportunity to take out cancer insurance.

Cancer insurance has a wide age range, and some products even allow seniors as young as 70 years old. Moreover, the health notification requirements are relatively low, and both hypertension and diabetes have the opportunity to be successfully insured. So what kind of cancer insurance is worth buying?

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

In addition to health problems, the elderly will also face pension problems. Pension insurance has the nature of financial management, and the income is relatively stable. When the period specified in the contract is reached, the annuity can be received and used to solve the pension problem.

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When the elderly buy insurance, they can consider some protection insurance, such as cancer insurance, medical insurance, accident insurance, etc., such as medical insurance, the elderly have a decline in physical function, and they are hospitalized due to illness in the future, or they are hospitalized due to accidents, and most of the expenses incurred during the period can be reimbursed with medical insurance.

First, pay attention to the age of the application. Second, focus on ensuring the high incidence of accidents among the elderly. Third, focus on accidental medical treatment for the elderly. Fourth, the death and disability insurance amount is moderate.

The aging of China's population is more serious, for the majority of the elderly group, in this era of more and more risks, the elderly insurance is their protection, so what are the items of the elderly insurance?

What are the items of elderly insurance?

As the object of the elderly insurance - the elderly, their primary feature is their age, and most insurance companies have age requirements, so the elderly are easy to be excluded. So what kind of insurance can the elderly buy?

1. Accident insurance

Accident insurance is a relatively popular type of insurance, mainly for the protection of injuries caused by accidents to the insured, so the requirements for age and health are not very strict. Generally, the age requirement for the insured is about 65 years old, and some restrictions are 70 years old. In addition, accident insurance is also a relatively cost-effective insurance, with low premiums and high protection.

When the elderly are old, it is inevitable to bump and bump, and accident insurance is very suitable for the elderly to insure.

2. Hospitalization medical insurance

The physical function of the elderly is weakened, the immunity is low, and the resistance to external virus infection is also greatly reduced, so it has become one of the groups that are prone to disease.

3. Cancer insurance

Cancer is also a disease that people are afraid to listen to, but the elderly are easy to become the target of cancer, if they suffer from cancer, cancer brings people not only the torture of illness, but also the huge economic pressure caused by high medical expenses, so we still recommend that children buy a cancer insurance for the elderly or the elderly themselves, to provide a layer of protection for the occurrence of this situation. The underwriting conditions of cancer insurance are relaxed, and general diabetes, three highs, and chronic diseases can be insured. However, consumers who are ready to buy this insurance need to pay attention to the coverage and insurance costs involved in the terms of the insurance contract, and confirm that there will be no inversion of premiums.

4. Term life insurance

The purpose of most people to buy life insurance is to prevent the family from losing the financial ** after the death of the family's financial pillar. For most families, term insurance is a better plan to meet their needs.

In the final analysis, there are still many items of elderly insurance, and you have to choose which one to buy in the end, such as the physical condition of the elderly, the pursuit of protection content, responsibility, etc., here it is recommended that you buy as soon as possible, after all, age is a very objective limiting factor. To buy insurance for the elderly, you have to know some tips first, and if you need it, you can take a look at "How to buy insurance for the elderly?" What kind of insurance can I buy for my parents? 》

Health insurance, accident insurance, etc.

1. Because the elderly have more chances of getting sick, it is very important to buy a health insurance, and you can consider purchasing hospitalization medical insurance or comprehensive medical insurance.

2. Due to the poor safety and prevention ability of the elderly, the probability of accidental injury is much higher than that of people of other ages, especially in traffic accidents, fires and other accidents.

Precautions for the elderly:

High quality does not mean high, such as soy products, eggs, milk, etc. are high-quality foods, and the elderly should eat them often. Also pay attention to eat more fish and less meat. The main sugar is staple food, vegetables and fruits, and the consumption of refined sugars such as white sugar, brown sugar, and granulated sugar should be minimized.

Avoid weight-bearing exercises. Because the muscles of the motor organs of the elderly have begun to atrophy, the elasticity of the ligaments is weakened, the calcium in the bones is reduced, and the range of motion of the joints is limited.

If you want to be healthy, you need to be hungry and cold. The elderly should eat a variety of foods, but the amount of each food should not be too much, and each meal should be seven or eight full.

Elderly insurance is suitable for medical insurance, accident insurance, and cancer insurance.

1. Million medical insurance.

There are two types of medical insurance: small medical insurance and million medical insurance. Generally speaking, small medical insurance has a deductible of 0 or hundreds of yuan, and the reimbursement amount is only a few thousand or tens of thousands, while millions of medical insurance are used to cope with large medical expenses, and there is generally a deductible of 10,000 yuan. Parents are old and have a high probability of suffering from critical illness, so it is necessary to have a million-dollar medical insurance that can reimburse high medical expenses.

A few hundred yuan a year, there can be a reimbursement amount of several million yuan, which can be used to reimburse drugs that cannot be reimbursed by medical insurance, medical expenses caused by hospitalization, and so on. The high-quality million medical insurance also comes with value-added services such as hospitalization advance payment and 100% reimbursement.

2. Cancer prevention medical insurance.

Cancer medical insurance, as the name suggests, is a type of insurance designed specifically for cancer that can transfer the risk of high costs. According to statistics, about 10,000 people are diagnosed with cancer every day in China, and the older they are, the greater the probability of cancer and the greater the probability of death, and after the age of 50, it is the high incidence period of cancer. Although cancer prevention medical insurance only protects cancer, the health notice is also relatively relaxed, and many can still be bought at the age of 70, ** is also relatively cheap, a few hundred yuan per year, you can get 10-200,000 yuan of insurance.

Therefore, if you are unable to purchase critical illness insurance due to medical reasons, then cancer insurance is a more affordable option.

3. Accident insurance.

As parents get older, their vision gradually blurs, and there will be backache, and it is common to go up and down stairs to twist their feet and accidentally fall and injure themselves, and buying an accident insurance can give them more protection. Most accident insurance plans do not have an age limit or health notification requirement. One or two hundred yuan a year can get hundreds of thousands of guarantees, which is still relatively reliable.

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Nowadays, more and more friends are planning to buy insurance for their parents.

However, it has to be said that in the matter of buying insurance, the elderly will be subject to some restrictions, because the elderly are older and may have some minor problems in their physical condition.

Because insurance is priced according to the probability of risk, the probability of risk for the elderly is much higher than that for young people, so even if the same protection is for the elderly, it costs more to buy.

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Generally, the elderly are equipped with insurance, mainly accident insurance and medical insurance.

Accident insurance

When people get older, most of them will have osteoporosis, which is easy to induce accidental injuries such as fractures, so it is also necessary to buy accident insurance for parents.

Million Medical Insurance

If the current physical condition of the elderly allows that they can buy millions of medical insurance, they must buy one as soon as possible.

Million medical insurance, also known as hospitalization medical insurance, mainly reimburses the medical expenses incurred by hospitalization, especially hospitalization for serious illnesses, which can reimburse up to millions.

If the elderly can't afford to buy million-dollar medical insurance, they can choose to configure a cancer prevention medical insurance.

Cancer medical insurance, you can understand it as a simplified version of the million medical insurance, which only covers cancer, and the payment method is the same as that of the million medical insurance, which is to see a doctor first and then reimburse.

The elderly should not buy critical illness insurance

On the one hand, it is too expensive for the elderly to buy critical illness, the protection leverage is very low, and even the premium and sum insured are inverted, which is not cost-effective;

On the other hand, the elderly have more or less minor physical problems, and it is not easy to buy critical illness insurance.

Therefore, even if the elderly can buy critical illness insurance, it is not recommended to configure critical illness insurance products for the elderly.

You must buy insurance as soon as possible, the later you buy it, the harder it will be.

The common problem of the elderly to buy insurance is that the premium is expensive, the insurance amount is low, and the health notice is difficult to pass.

In my father's view, the right thing to do is to use the lowest premium to cover the highest amount insured, so the necessary insurance for the elderly is accident insurance and cancer insurance.

1. Accident insurance

The physical fitness of the elderly is relatively poor compared with adults, with the increase of age, osteoporosis, inflexibility of legs and feet and other problems also appear, small bumps can easily lead to fractures, cramps, falls and other accidents.

Therefore, accident insurance is our first choice for parents to allocate insurance.

Therefore, when configuring accident insurance for the elderly, the main protection responsibility is not only accidental death and disability, but also accidental medical liability, and the daddy recommends that you choose 0 deductible, the insurance coverage includes the medical insurance catalog, and the reimbursement amount is not less than 10,000 yuan for the product.

2. Cancer prevention insurance

For the elderly under the age of 60, there are still some insurance products to choose from, but most of these products have high premiums and are not suitable for ordinary family configurations.

For example, critical illness insurance and million medical insurance, there is a high probability that millions of medical insurance cannot be insured, and critical illness insurance is easy to have a premium inversion, which is not cost-effective.

Therefore, my father suggested that after the elderly have configured accident insurance, they should then configure cancer insurance.

Why? The health notice of cancer prevention insurance is much more relaxed than that of medical insurance, and the premium is much cheaper than that of major illness insurance, and the content of protection is high-incidence cancer, so this type of insurance is very cost-effective.

For example, diabetes, three high symptoms, and coronary heart disease, which are common in the elderly, do not affect the insurance of cancer insurance, so cancer insurance is very suitable for the elderly.

Cancer insurance is divided into reimbursement type and benefit type, the reimbursement type of products in the reimbursement range according to the proportion of reimbursement, the benefit type of products once suffering from the agreed cancer will be paid in a lump sum.

Dad suggested that if the insurance budget is sufficient, and the elderly in the family are in good health, and want to avoid the risk of disease, they can also configure critical illness insurance and million medical insurance according to their personal needs.

Answer: The medical insurance for the elderly** and the personal account delineate the scope of their respective payments and calculate them separately. Medical expenses that meet the scope of payment of medical insurance for the elderly shall be reimbursed in accordance with the local regulations of the medical insurance for the elderly, the list of diagnosis and treatment items, the scope of service facilities and payment standards. The specific regulations are as follows:

Personal account to pay for the following medical expenses: outpatient and emergency medical expenses; the cost of purchasing drugs at designated retail pharmacies; Medical expenses below the minimum payment standard of medical insurance for the elderly**; If the medical expenses exceed the minimum payment standard of the medical insurance for the elderly, the medical expenses should be borne by the individual according to the proportion. The part of the personal account that is insufficient to pay shall be paid by the person himself/herself.

The medical insurance for the elderly co-ordinates** pays for the following medical expenses: medical expenses for hospitalization**; For those who are placed under observation for emergency rescue and admitted to hospitalization**, their medical expenses within 7 days of observation before hospitalization; Outpatient medical expenses for radioactive and chemical** malignant tumors, renal dialysis, and anti-rejection drugs after kidney transplantation.

It is important to note that the portion of the personal account that is not enough to cover the medical expenses needs to be paid by the individual.

5. Within the scope of reimbursement, the part outside the limit.

6. Other drugs that are not paid by the basic medical insurance according to the provisions of the social insurance administrative department.