How to buy insurance for the elderly, and how to buy insurance for the elderly?

Insurance for the elderly should be bought in this way to be cost-effective. First of all, you need to buy health insurance: as you get older, your physical fitness becomes worse and you spend a lot of money on medical care.

Buy accident insurance: old age leads to mobility difficulties, and there is a high possibility of accidents. Buy Cancer Insurance:

The elderly are at high risk of cancer, and the cost is high, making it difficult to buy critical illness insurance. The insurance conditions for cancer prevention are relatively relaxed, which is suitable for the elderly to apply for insurance and solve the problems caused by cancer. When we were young, we tried to buy insurance because there were many restrictions and premiums were more expensive when we were old.

The function and significance of insurance is to provide necessary protection, risk planning, reasonable capital allocation and leverage.

1.Provide necessary protection: insurance can provide protection for common risk factors such as accidents, health, and death, reduce risk losses, and effectively resist risks;

2.Risk planning: Individuals or families can use insurance tools to plan their lives and transfer possible risks in advance;

3.Rational allocation of funds: insurance has a certain investment nature, and can inherit wealth by designating beneficiaries, which is a tool for allocating funds;

4.Leverage: Insurance can be exchanged for a relatively small premium for a higher sum insured, and with leverage, the insured can be better protected.

Because the elderly are old, their health is already going downhill, and the insurance that can be configured for them includes critical illness insurance, cancer prevention insurance, medical insurance, and accident insurance.

I have written a strategy for buying insurance for the elderly before, and interested friends can take a look:

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

1. Critical illness insurance and cancer prevention insurance.

For the elderly, if they are not over 55 years old, they still have the opportunity to buy critical illness insurance, and when they are diagnosed with a critical illness as agreed in the contract and meet the claim criteria in the terms, the insurance company will pay a sum of money to the consumer, which can make up for the loss of income during the illness.

If you are already older, it is not suitable to buy critical illness insurance, because it is very likely that there will be a problem of inverted premiums. The insurance threshold for cancer insurance is still relatively low, and the underwriting is relaxed, so even the three highs have the opportunity to successfully apply for insurance.

If you don't know about cancer insurance, you might as well take a look at this professional explanation:

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

2. Medical insurance.

If the physical condition of the elderly is acceptable and the age meets the requirements, medical insurance should be arranged for the elderly as soon as possible. Although many people already have medical insurance, medical insurance has certain restrictions, and can only reimburse the list in the medical insurance catalog, while medical insurance is different, it can be used as a supplement to medical insurance, and the reimbursement amount and reimbursement scope are much broader than medical insurance.

After all, most medical insurance can only be bought for one year, and the physical condition of the elderly changes quickly, so if conditions permit, try to choose a product that guarantees renewal, so that no matter what changes in the situation in the second year, even if there is a claim, the insurance company will not refuse to renew the application.

3. Accident insurance.

Once a person is old, his physical function will naturally decline a lot, and his hands and feet will begin to become unfavorable, so the elderly are more likely to have accidents than young people, so the probability of accidents such as falls and fractures is higher, so it is necessary for the elderly to buy accident insurance.

In 2022, the most worthwhile accident insurance is here.

Seniors over the age of 50 are actually past the time to buy commercial insurance.

At present, the elderly are not very cost-effective in buying insurance!

Specifically: Whole life insurance is too expensive and has a short payment time.

The leverage effect is not very high.

The requirements are relatively high.

Term life insurance and critical illness insurance consume a certain amount of money every year, and many people can't accept it, so there is a tangle.

At present, major insurance companies have insurance specifically for the elderly, and most of them are consumer products.

The characteristic is that every year is peaceful, so the money paid will be consumed! The more practical one is cancer prevention insurance, which is mainly for cancer, and the cost is relatively cheap, more than 1,000 to more than 2,000 a year, and it is ......The sum insured is 100,000-200,000! In fact, you can still buy, calculate the cost, assuming that the purchase period is 10 years, the insurance amount is 200,000, and the annual payment is 2000 (just for example) 10 years of peace and security is 20,000 costs!

But once cancer occurs within 10 years, the pressure on children will not be so great, equivalent to 40,000 Bo 200,000, of course, no one wants to use it! Buying insurance is to buy peace of mind and solve psychological pressure at the same time!

Although insurance for the elderly is more expensive, it is still necessary to buy some within your means! At the same time, as a child, it is also necessary to buy critical illness insurance and accident insurance for yourself, because time is money, and the same money buys much higher insurance than the elderly, and at the same time reduces the pressure on the elderly.

As the saying goes, you can't be sick if you can't be sick, and you can't have money if you don't have anything.

The most important thing is to work hard to make money, by the way, use insurance, and arrange finances reasonably, so that you can easily cope with life!

Finally, please tell us your past hospitalization history when purchasing insurance! Don't be opportunistic!

To buy insurance for the elderly, it is generally more appropriate to buy cancer insurance, medical insurance and accident insurance.

As the elderly are older, their physical functions are gradually declining, and their hands and feet are not as flexible as before, and the probability of suffering from diseases and accidents is higher, while cancer insurance and medical insurance can provide protection for diseases, and accident insurance can protect accidental injuries, so it is very suitable for the elderly.

The elderly buy insurance. It is better to buy in sections, for example, if you are 60 years old, you will buy it all at once until you are 75 years old. If you're seventy-two or thirteen, don't buy it until you're 75. Buy again until you are 85 years old.

How to buy insurance for the elderly, I personally think that the elderly should go to the insurance company to buy insurance? Go to the specific people to understand it in detail, they will provide you with convenience, they are professional people, they know very well. They know which types of insurance are right for them.

Personally, I think that an accident insurance is needed first, because the probability of fractures and other conditions in the elderly is relatively large, the premium of accident insurance is relatively cheap, and the probability of insurance is relatively large.

In this case, the most ideal situation is to be equipped with critical illness insurance + accident insurance + medical insurance, so as to fully and effectively face the occurrence of various major diseases and accidents. Because the role of insurance is to avoid risks and pass on risks. Older people are susceptible to critical illnesses, which requires the purchase of relevant insurance to reduce the risk in advance.

1: Because the age of the elderly is relatively old, the insurance company will first examine the age and physical condition of the insured when facing this type of insured, and consider the probability of risk. Usually in this case, it is more difficult for the elderly to apply for insurance.

The specific performance is as follows:

1. Age limit: Many insurance products have an age limit;

2. Health notification: For insurance such as critical illness insurance and medical insurance, it is necessary to inform the insurance company of the individual's physical health status in advance. The elderly will have some physical problems, which will lead to difficulties in insurance;

3. Higher premium: It may be the same product, if the elderly are insured, the premium will be higher. Avoid the possibility of premium inversion in the later stage.

Extended information: 1. Specifically, consumers need to choose insurance companies that can develop steadily and avoid possible risks.

Before purchasing, it is necessary to analyze the following information: first, the financial soundness of the insurance company - whether the premium income reaches a certain scale, the insurance is based on the law of large numbers, and only by achieving a certain scale can the risk be effectively resolved.

Second, it is to look at the risk control ability of the insurance company - including the underwriting and claims system, whether a standardized underwriting and claims process has been established, and the construction of the insurance company's internal financial and supervision risk control system.

Three: It is the current sales of products. With the segmentation of the market, the pertinence of insurance products is becoming stronger and stronger, and the types and qualities are very different, depending on whether the products of the insurance company are rich and adaptable, which reflects the strength of the insurance company from another side, and is one of the criteria to measure whether it can adapt to the requirements of market development.

Four: is the quality of service. Service problems directly reflect whether the management of insurance companies is standardized, which determines the company's market awareness and future development.

The service performance is in many aspects, including customer service ** report, relevant information consultation and inquiry, claim payment service, daily service guidance and extended service.

Hello dear! It is recommended that the insurance for the elderly can be purchased according to the following ways:1

Critical illness insurance can mainly cover serious illnesses such as malignant tumors and cerebral hemorrhage, but when the elderly apply for critical illness insurance, in addition to the requirements of the insurance age, they also need to take into account the health notice, after all, the elderly have more or less certain problems in their bodies, and they may not be able to pass the health notice. In addition, when the elderly apply for critical illness insurance, they should also consider whether there will be a premium inversion, that is, the premium that needs to be paid is greater than the sum insured. If the premium will be upside down, then it is recommended not to buy it; 2.

Medical insurance, like critical illness insurance, should take into account the issue of age and health notice; 3.Cancer insurance, if you can't insure critical illness insurance, then you can consider taking out cancer insurance, which mainly protects malignant tumors, and health notices are relatively relaxed, generally as long as you don't suffer from malignant tumors or diseases that may lead to malignant tumors, you can usually be informed by health; 4.Accident insurance, the situation of accidents for the elderly is relatively high, so you can consider taking out an accident insurance, and most of the accident insurance does not need to be informed, even if you need to be informed, it is more relaxed; 5.

Inclusive commercial supplementary medical insurance, similar to medical insurance such as Shanghai Huibao and Changsha Huimin Insurance, most of them can be purchased as long as there is a health notice, and there is no restriction on age, household registration, occupation and health status.

The elderly need to pay attention to the following points when buying insurance:

1.Understand their own needs: The elderly should understand their current financial situation, health status, family situation, etc., as well as the risks and challenges they may face, and choose the right insurance products for themselves.

2.Buy the right insurance products: The elderly should buy the right insurance products according to their needs, including life insurance, medical insurance, nursing care insurance, accident insurance, etc. When buying insurance, pay attention to factors such as premiums, coverage and insurance period.

3.Choose a regular insurance company: When the elderly buy insurance, they should choose a regular insurance company and understand the reputation, qualifications and service quality of the insurance company.

6.Keep your insurance policy and documents: The elderly should keep their insurance policies and documents properly after purchasing insurance in case they need it.

It is best for the elderly to seek professional advice and help when purchasing insurance to ensure that the insurance products they purchase meet their actual needs and economic situation, and can also reduce unnecessary risks and losses.

In general, the elderly should pay more attention when buying insurance, on the premise of meeting their own needs, carefully read the terms of the insurance contract, configure insurance from formal channels, and truthfully inform their health status to avoid disputes.

The above is Dad's, if you don't understand something, please send a private message.