Lifetime medical insurance is suitable for which age group

Hello, for medical insurance, my dad recommends that the sooner you buy it, the better, because the older you are, the higher the premium, and health insurance generally has an age limit, and the health notice will be stricter. If you don't know what insurance to buy at what age, I recommend you read: How to buy insurance correctly at different ages?

Commercial medical insurance hasAdvantages:

1.Good value for money

One of the biggest features of commercial medical insurance is that it is cost-effective, especially the million-dollar medical insurance, which is known for its low premiums and high sum insured.

2.Wide coverage

Commercial medical insurance has a wide range of coverage, in addition to covering hospitalization for general diseases, it often covers medical expenses caused by accidents.

What issues need to be paid attention to when buying commercial medical insurance?

1.Understand your safeguarding responsibilities

Before applying for insurance, it is important to understand the liability coverage of the insurance, because the insurance company will only pay compensation if it occurs in the event of an accident that is covered by the insurance coverage.

2.Limits on the number of days in hospital for insurance liability

Some commercial medical insurance clearly stipulates in the "hospitalization medical insurance benefit" that can be reimbursed for hospitalization medical expenses for up to 180 days in a policy year, and medical expenses beyond 180 days will not be claimed.

3.Annual deductible

The annual deductible of commercial medical insurance, that is, the annual minimum payment, will only be reimbursed by the insurance company if the deductible is exceeded at the time of reimbursement.

4.Be honest and informed

When there is a problem, you must tell the truth according to your own physical condition, if you conceal the illness and are known by the insurance company, it may cause the consequences of the insurance contract being invalidated.

5.Renewal

Because commercial medical insurance is paid for one year and insured for one year, but personal medical insurance needs to be continuous for a long time, if you buy a new medical insurance, then it will involve the problem of re-examination.

Daddy believes that commercial medical insurance has a great role in the protection of our lives, and for most people, it is still necessary to supplement medical protection by purchasing commercial medical insurance.

Whether it is lifelong or medical insurance, of course, the sooner you buy it, the better, because the older you are, the higher the premium will be.

All have to buy. And there is no lifetime medical insurance, the whole life medical insurance you are talking about may be critical illness insurance.

If possible, the family should have it: critical illness + medical treatment + accident. These three are basic.

If the conditions are very poor and you really want to have insurance, then medical treatment. Note that medical treatment is not lifelong. It is generally for a one-year term.

Some are guaranteed to be renewed for a few years, but none of them are for life.

Summary. Hello dear dear, it's an honor to answer your questions. In terms of social medical insurance, people over the age of 60 are generally not allowed to pay, and you can consult the local social security office for specific conditions.

As far as commercial medical insurance is concerned, the requirements for people of older ages are also higher, and even if they are underwritten, the corresponding costs are also high. Therefore, it is recommended that you complete it as soon as possible, but I think the best time to pay insurance is between 30 and 50 years old, and 30 years old is the best age to pay insurance.

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Hello dear dear, it's an honor to answer your questions. In terms of social medical insurance, people over the age of 60 are generally not allowed to pay, and you can consult the local social security office for specific conditions. As far as commercial medical insurance is concerned, the requirements for people of older ages are also higher, and even if they are underwritten, the corresponding costs are also high.

Therefore, it is recommended that you improve it as soon as possible, but I think the best period for insurance is 30-50 years old, and the best age for 30-year-old Zheng to pay insurance is when he takes pants.

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Generally speaking, you can buy it before the age of 65, but the older you are, the more expensive the premium.

Whole life insurance can be purchased at any age.

0 55 years old, in good health.

18-60 is fine, depending on the specific regulations of each insurance company.

You can buy it for any age.

See how much money you can still come up with?