How to buy old age insurance, how to buy old age insurance

1. Basic medical insurance. It would be great if the elderly had previously participated in the employee medical insurance and paid for the agreed number of years, and could enjoy the basic medical insurance coverage for life. If not, we must help the elderly participate in urban and rural basic medical insurance, which is a national welfare policy that can provide the most basic insurance protection.

2. Accident insurance. The elderly have become slow to react, coupled with problems such as osteoporosis, which leads to a high probability of their accident risk, and it is also necessary to configure an accident insurance for the elderly. It will be much easier for the elderly to buy accident insurance, most products do not have health notification requirements, and ** will not be very expensive, two or three hundred can be done, and even about 100 yuan can be bought.

3. Cancer prevention insurance Cancer prevention medical insurance. The incidence of cancer in the elderly population is very high, you can consider configuring a cancer insurance or cancer prevention medical insurance, there are many products for the elderly on the market to choose from, up to 70 people can be insured.

Hello! Old-age insurance mainly considers medical insurance and accident insurance, and if you still have a certain budget, you can also consider cancer insurance.

If you don't know which product to buy for your parents, or want to customize an insurance plan for your parents, you can click to make an appointment for [1-to-1 Insurance Planning Service].

Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

Medical insurance. Most of the elderly will have some physical problems, such as high blood pressure, diabetes, etc.

For seniors with chronic diseases, cancer medical insurance can be considered, but only for cancer-related medical expenses.

If the parents are in good health, then you can consider the million-dollar medical insurance, which can also cover other diseases besides cancer.

Accident insurance. For the elderly, the regression of various body functions, and it is very easy to have some bumps and fractures in daily life, so an accident insurance for the elderly is very necessary for the elderly.

The health notice of accident insurance for the elderly is relaxed, cheap, the insurance leverage is high, and the upper age limit of the insurance is high.

Cancer insurance. For the elderly who are not in good health, if they have a certain budget after completing the accident insurance and medical insurance, they can consider cancer insurance.

If you have cancer, you can pay for it, for example, if you buy 100,000 yuan, you can pay 100,000 yuan, and ** it will be 30% -40% cheaper than major illness insurance.

In short, to buy insurance for the elderly, we need to pay special attention to the age and physical health of the elderly, carefully and carefully inform the health, and choose the right products.

Insurance for the elderly should be bought in this way to be cost-effective, first of all, you need to buy medical insurance: with the increase of age, physical fitness.

Deteriorated, and spent a lot on medical care. Buy accident insurance.

Mobility is impaired due to old age, and there is a high possibility of accidents. Buy cancer insurance: The elderly have a higher risk of cancer, ** the cost is high, and buy critical illness insurance.

There is a certain degree of difficulty. The insurance conditions for cancer insurance are relatively relaxed, which is suitable for the elderly to apply for insurance and solve the problem of cancer.

brought problems. We try to buy insurance plans when you are young, because there are many restrictions when you are older, and the premiums are relatively expensive.

The function and significance of insurance mainly lies in the fact that it can provide necessary protection, carry out risk planning, rationally allocate funds, and have leverage.

1. Provide necessary protection: insurance can provide protection for common accident, health, death and other risk factors, which can reduce risk losses and effectively resist risks;

2. Risk planning: Individuals or families can use insurance tools for life planning.

transfer possible risks in advance;

3. Reasonable allocation of funds: insurance has a certain investment nature, and can be passed on by designating beneficiaries, which is a tool for allocating funds;

4. Leverage: Insurance can exchange relatively small premiums for a higher amount of insurance.

With leverage, it can enable the insured to obtain better protection.

Test your anti-risk index, experts will interpret it for you for free!

<> buy insurance for the elderly, you can generally bring your ID card to the insurance company to buy, or you can also buy it on the official website of the insurance company, the insurance company, the insurance broker platform or other online channels, or you can find an insurance broker or an insurance person to buy, take Ping An Insurance *** to buy insurance for the elderly as an example:

Click on the "Contacts" page of WeChat to enter "***", and then click on the "...Select "Add***" to enter, search and follow "Ping An Insurance"***.

2.Click to buy insurance;

Click on "Buy Insurance" in the menu bar.

<>4.Click on "Insurance";

Click to go to the "Insurance" page.

5.Select Insurance Purchase.

You can choose an insurance product suitable for the elderly, and generally consider purchasing medical insurance, critical illness insurance, accident insurance, cancer insurance and other insurance products.

Generally speaking, when buying insurance for the elderly, you also need to pay attention to the following points:

1.The health of the elderly has more or less had a little problem, so they can try to choose insurance products that do not require health notice, or health notice is more relaxed, such as inclusive medical insurance, accident insurance, cancer prevention insurance, and cancer prevention shed medical insurance;

2.When the elderly buy insurance products in Mubi, the premium will be relatively high, so it is necessary to pay attention to whether there will be an inversion of the premium;

3.If you are buying insurance that requires health notification, such as critical illness insurance and million medical insurance, then you can carry out intelligent underwriting first, which will not leave underwriting information, and even if the underwriting is not passed, it will not affect the purchase of other health insurance products.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13

Due to the problem of age, the physical function of the elderly is getting worse and worse, so there will be more and more problems, so accident insurance, medical insurance, etc., are indispensable for disease protection insurance.

How should seniors buy insurance? See here "How to buy insurance for the elderly? What kind of insurance can I buy for my parents? You can understand it at a glance

Landlord is good, but you and your husband are very filial people, the old people have worked hard for us all their lives, and now young people are under great pressure to live, in order to prevent special situations in the future, it is very necessary to buy insurance. We may encounter some problems when buying commercial insurance:

1. If they want to buy some health insurance, they may have to pass the medical examination of the insurance company. If the physical examination finds that the elderly person is a non-healthy person, the insurance company may have two options: a. additional coverage; b. Refusal of insurance;

2. If you can pass the physical examination, the premium required by the elderly will be higher, or even upside down.

Considering these circumstances, combined with the decline in the physical function of the elderly, it is easy to bump and bump, in fact, buying accident insurance is the most cost-effective and the most protective for the elderly.

For example, Yangguan Insurance's filial piety 99 insurance, first of all, it is cheap, 99 yuan is OK; Secondly, it includes personal accident limit, accidental medical treatment, gas accident insurance and fracture accident insurance, and double compensation for gas accidents and personal accidents, and no medical examination is required.

When the landlord considers buying insurance for the elderly, you can refer to these, I hope to be able to give you some help, thank you!

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"