Which insurance should I buy for my parents?

Huakang - Ping An Hongfu Card (the first choice for parents).

Eligibility: Those who are in good health, able to live a normal life, and are not more than 69 years old.

200 yuan per copy, limited to 2 copies per person.

Duration of insurance: 1 year.

Coverage (per copy):

1. Death and disability in a traffic accident: 80,000 yuan.

2. Death and disability in non-traffic accidents: 40,000 yuan.

3. Accidental fracture and joint dislocation: 20,000 yuan.

4. Accidental medical treatment (hospitalization advance): 8,000 yuan (more than 100 yuan, 80% compensation) 5. Nursing allowance: 30 yuan a day.

Illustration: Ms. Zhang, 60 years old, slipped while taking a shower in her bathroom, and fell down after her left hand was on the ground, resulting in a dislocation of her left shoulder joint and a fracture of her right ankle joint, and was discharged after surgery and hospitalization for 25 days. The cumulative cost is 15,000 yuan.

If they purchase two copies of the "Huakang Ping An Hongfu" card, they will receive the following insurance compensation.

The insurance company's compensation is as follows:

Left hand shoulder dislocation insurance = insurance amount Payment ratio = 40,000 40% = 16,000 yuan;

Right ankle fracture insurance = insurance amount Payment ratio = 40,000 60% = 24,000 yuan;

Accident medical insurance: (15000-100) 80%=11920 yuan;

Accidental hospitalization allowance = (25-3) 60 yuan per day = 1320 yuan;

A total of 53,240 yuan was compensated.

You are so filial. However, the parents are older, and the cost of buying insurance is relatively high. You can buy them some accident insurance and serious illness insurance, but there is a possibility of a physical examination, and you don't know what the physical condition of the elderly is. Then you give yourself adequate insurance, protection plus investment.

Take the time to go back and see if they're better than any insurance!

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Century Tongxiang has an insurance amount of 100,000 yuan, which can be bought by husband and wife. 10 years to pay, about 11,000 per year.

Do both parents have social security? Are there any other benefits?

Generally speaking, health insurance is the most important, but the parents are not young, and the cost is higher than that of young people.

I, can I talk about it.

In terms of age, we should pay attention to protection-based products, critical illness + accidental hospitalization medical insurance, but first go for a physical examination!

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The following are the main considerations for buying insurance for parents:

1) Medical insurance: The amount of medical insurance is high, the use of drugs is not limited to social security, imported drugs, special drugs can be reimbursed, but the million medical insurance has basic requirements for age, generally up to 65 years old, and the health notice of millions of medical insurance is relatively strict, so you can choose cancer prevention medical insurance.

2) Cancer prevention critical illness insurance: The reason why ordinary critical illness insurance is not allocated to middle-aged and elderly people is because the sum insured is low and the premium is high, so the leverage ratio is relatively low, and some even have to be upside down. In addition to general critical illness insurance, for middle-aged and elderly people over 50 years old and under 60 years old, if the budget is sufficient, you can configure a cancer prevention critical illness insurance.

3) Accident insurance: the elderly are old and prone to small accidents, or fractures, etc., there is an accident insurance, the usual small bumps can be reimbursed, if serious because of the accident needs to be hospitalized, you can also reimburse the hospitalization expenses, and the premium is cheap, a few hundred yuan a year, you can have hundreds of thousands of accident protection.

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<> it would be more appropriate to buy the following insurance for your parents:

1.Basic social security: the most basic protection, generally including basic medical insurance and pension insurance;

2.Million Medical Insurance: The minimum premium is high, and it can mainly reimburse the reasonable and necessary medical expenses incurred by the insured due to illness or accident, but the deductible is also relatively high, and the health notice is also relatively strict, and the reimbursement of serious illness or accident ** expenses should be could.

3.Small medical insurance: low premiums and low deductibles, but the sum insured is also low, which can be used to reimburse hospitalization expenses for minor illnesses and accidents;

4.Accident insurance: mainly covers accidental death or disability, accidental medical treatment;

If you have other needs, you can also consider the following types of insurance:

5.Inclusive medical insurance: most of them can be purchased mainly by local medical insurance, and there are no restrictions on age, occupation and health;

2.Critical illness insurance: It can mainly cover malignant tumors, cerebral hemorrhage and other critical illnesses, but the health notice is stricter;

7.Cancer insurance: It mainly covers malignant tumors, and its health notice is more relaxed than that of critical illness insurance;

8.Cancer medical insurance: reimbursement of medical expenses incurred by the insured due to malignant tumors;

9.Life insurance: It mainly takes the survival and death of a person as the condition for insurance payment, but if the age of the parents is already sixty or seventy years old, then the cost performance is not very high if you buy life insurance;

10.Annual Cover Insurance: If the insured survives safely to the age of receiving the annuity, the annuity can be paid annually on an annual, semi-annual, quarterly or monthly basis.

Buying insurance for your parents can be done in the following ways:

1. Priority is given to medical treatment and accidents, the older the parents, the higher the medical needs, if the body is relatively healthy, directly insure millions of medical insurance, the reimbursement amount is high, and solve the medical expenses of serious illnesses. Parents are older, their physical functions are declining, and they are prone to the risk of accidents, and unexpected configurations are also needed. Coupled with the relatively low premiums for medical and accident treatments, there will be less pressure on premiums.

2. Critical illness insurance can be selected according to the age, health and ability of the parents. If the parents are between the ages of 45 and 50, are in good health, and have a certain ability to pay, they can choose a critical illness insurance, but the sum insured may be limited, if they are over 50 years old, it is recommended not to choose critical illness insurance, and the premium may be upside down.

3. Cancer insurance is a simplified version of critical illness insurance, which only covers cancer, and the health notice is relaxed, which is suitable for parents to apply for insurance at an advanced age.

4. In the case of life insurance, if the parents do not bear the family responsibility, they can not consider the material fiber, and the premium has certain requirements.

5. Buying insurance for parents should be combined with their own budget, after all, the parents are older, and the premium expenditure will be relatively high.

6. You can also buy Huimin medical insurance for your parents, which can be bought only if you have medical insurance, and there are no requirements for age and health.

7. You can compare products through multiple channels and choose the right insurance for your parents, such as you can find an insurance person, but you can only sell the products of your own insurance company; You can also find an insurance broker, and you can choose the products of multiple insurance companies; It can be purchased through the channel of insurance companies; It can also be purchased through the insurance brokerage platform, which is the Internet insurance product sales platform.

If you want to buy insurance for your parents, you can consider the insurance needs and insurance conditions of most fathers and mothers. The senior sister suggested that you can give priority to critical illness insurance, cancer prevention insurance, million medical insurance, cancer prevention medical insurance and accident insurance.

The first is the need to insure. As parents age, their physical performance may gradually decline, and parents are more likely to suffer from illness. In addition to this, the unexpected risk of parents is also a concern.

Everyone needs to be aware of their own accident risks, and parents are no exception, especially those who love to travel, and the risk of accidental injuries may be higher.

Therefore, in view of these two risks, the senior sister suggests that you can configure critical illness insurance, million medical insurance and accident insurance for your parents to protect.

Equipped with critical illness insurance and million medical insurance, if the insured's parents unfortunately suffer from related diseases, if eligible, the critical illness insurance will pay the corresponding insurance benefits according to the agreement, and the million medical insurance can pay the corresponding insurance benefits according to the agreed proportion, so as to reduce the economic risk caused by the illness for the insured person.

A good critical illness insurance policy looks like this! You've been lied to for so many years.

Accident insurance transfers the financial risk of an unintentional injury to the insured person, if eligible.

Secondly, you also need to analyze the insurance conditions of parents.

It is important to know that critical illness insurance and million medical insurance have strict requirements for the physical condition and age of the insured. If your parents are older or have health conditions, they may not be able to apply for the critical illness insurance and medical insurance you want.

In this case, you can also choose to insure your parents with more relaxed health insurance and cancer medical insurance.

If you want to know more about cancer insurance, don't miss this popular science article on insurance:

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

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