Is there any recommendation for accident insurance for seniors over 65 years old?

It is generally difficult for the elderly to buy critical illness insurance and medical insurance because of health notices and age restrictions, so when buying accident insurance, you must pay special attention to whether the accident insurance has accidental medical protection. In addition, there are some pitfalls in accident insurance that need to be paid attention to: "Want to buy long-term accident insurance?

Be careful of being pitted" Below I picked three products with accidental medical treatment to see which one is more cost-effective.

1. Zhong'an Xiaoxin Insurance Comprehensive Accident Insurance for the Elderly.

The coverage of this senior accident insurance is very comprehensive.

First of all, its accident medical insurance is not limited to medical insurance, and it is 100% paid; There is also reimbursement of accident ambulance expenses as well as fracture insurance benefits, which is very practical for the elderly. When the elderly are old, osteoporosis is very normal, and if you accidentally bump and break a bone one day, you can call an ambulance and reimburse.

In addition to accidental medical insurance, there are also train accidents, ship accidents, driving accidents, etc., which can be compensated up to 200,000 yuan in case of insurance and up to 500,000 yuan in aviation accidents.

2. Accident insurance for the elderly with filial piety.

This product has relatively few protection responsibilities, but there should still be some of them, such as accidental death and disability compensation of 200,000 yuan, accidental medical treatment can be compensated up to 20,000 yuan, and there is also an accidental hospitalization allowance of 100 yuan a day.

Its most outstanding thing is that it has a very good advantage, the 70-year-old man only needs 226 yuan a year, and the cost performance is still very good.

3. Accident insurance for the elderly in Chubba Jiabao.

Compared with the above two paragraphs, this accident insurance is in a compromise position, **compromise, and the protection content is also compromised. Its accident medical treatment can be compensated up to 20,000 yuan, and the compensation is 100%, which is only reimbursed within the scope of medical insurance, and it will not be reimbursed if the medical insurance does not reimburse; Like Zhong'an Xiaoxin Insurance Elderly Comprehensive Accident Insurance, there is a fracture insurance benefit of 10,000 yuan.

In short, judging from these three types of accident insurance for the elderly, the protection content will be correspondingly more comprehensive if it is more expensive. Xiaoxinbao Elderly Comprehensive Accident Insurance is the most expensive, but it has the most comprehensive protection; Anda Jiabao elderly accident insurance is second; Filial piety and peace of mind for the elderly accident insurance protection responsibility is relatively small, but it is better than the cheapest.

Generally speaking, the body of the elderly is not so strong and it is easy to get injured, you can buy Xiaomi comprehensive accident insurance, you can buy one million.

Summary. Hello, Chinese Life has 65-year-old accident insurance, mainly the following three types. 1. The insured population of China Life Golden Years Elderly Accident Insurance Plan includes the elderly aged 50-74, and the content of the insurance covers two major parts of accidental injury and accidental hospitalization allowance.

For the elderly, you can enjoy accident coverage for 1 whole year at a low premium. 2. Chinese Life - Parent Comprehensive Accident Insurance Compared with the golden years, this Parent Comprehensive Accident Insurance covers a wider range of people, and the elderly group aged 51-85 can be insured, which can be said to be an additional customized product for the elderly. The premium is low, and the comprehensive cost performance is also relatively high!

3. Chinese Life Elderly Comprehensive Accident Insurance Chinese Life Elderly Comprehensive Accident Insurance is suitable for the elderly from the age of 65 to 80 years old, the coverage is also relatively extensive, and covers accidental medical treatment, hospitalization allowance, accidental outpatient hospitalization, deductible of 100 yuan, for medical expenses above 100 yuan can achieve 100% reimbursement. Here, the accidental hospitalization allowance is paid at the rate of 100 yuan per day.

Hello, Chinese Life has 65-year-old accident insurance, mainly the following three types. 1. The insured population of China Life Golden Years Elderly Accident Insurance Plan includes the elderly aged 50-74, and the content of the insurance covers two major parts of accidental injury and accidental hospitalization allowance. For the elderly, you can enjoy accident coverage for 1 whole year at a low premium.

2. Chinese Life - Parents Comprehensive Accident Insurance Compared with the golden years, this parents' comprehensive accident insurance has a wider range of protection groups, and the elderly group aged 51-85 can apply for rough insurance, which can be said to be an additional customized product for the elderly. The premium is low, and the comprehensive price rock sensitivity ratio is also relatively high! 3. Chinese Life Elderly Comprehensive Accident Insurance Chinese Life Elderly Comprehensive Accident Insurance is suitable for the elderly from the age of 65 to 80 years old, the coverage is also relatively extensive, and covers accidental medical treatment, hospitalization allowance, accidental outpatient hospitalization, deductible of 100 yuan, for medical expenses above 100 yuan can achieve 100% reimbursement.

Here, the accidental hospitalization allowance is paid at the rate of 100 yuan per day.

Working on the construction site, overage, male.

I introduced you to these models, which means that he is not that serious about this age limit.

This type of insurance is also more beneficial for the health of the insured to donate less blood. Limit.

Accident insurance. The insurance age can generally reach 75 to 80 years old, and the elderly are prone to high disability and fractures caused by accidental injuries.

Joint dislocation, burns.

As long as the conditions for major surgery are met, the insurance company can pay up to 100,000 yuan, which is more suitable for the elderly. Seniors need special protection, which can be covered by accident insurance for the elderly.

Get professional coverage.

1. The elderly over 60 years old should follow the following choices when buying accident insurance:

1. When purchasing accident insurance, it is necessary to pay attention to whether there is medical compensation, disability compensation and hospitalization day allowance, whether there is a designated hospital, and if there is a designated hospital, then if you do not seek medical treatment in the designated hospital, the insurance company will not make a claim. Finally, there is the exclusion clause in the accident insurance category.

2. Accidental medical deductible.

The lower the reimbursement ratio, the better. You can choose a low deductible or no deductible, and the reimbursement ratio can reach 100%.

3. Buy consumer accident insurance.

Accident insurance is purchased to protect against unexpected risks, and consumer accident insurance has a low premium, a wide range of coverage, and an insured amount.

High. 2. How to buy accident insurance.

1. Find a trusted salesperson or a regular third-party ** organization through formal channels, and choose a powerful insurance company.

2. When purchasing personal accident insurance, it is necessary to see the scope of insurance liability and understand the content of whether the insurance company will reimburse or not. Accidental medical expenses are generally deductible, and those exceeding the deductible will be reimbursed on a pro-rata basis.

3. Understand the claim process and required documents, so that it is easy to get a claim when the accident occurs.

4. Choose the appropriate personal accident insurance according to your age, occupation and the amount of insurance you choose.

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

Hello dear, it is a pleasure to answer your questions <>

Ping An All the Way Ping An Insurance: This insurance is suitable for seniors aged 65-85 years old, and covers accidental injury, accidental disability and accidental death. Premiums are relatively low and coverage ages are wide.

1.Taiping Elderly Accident Insurance: This insurance is suitable for seniors aged 65-80 and covers accidental injury, accidental dismemberment and accidental death, as well as optional additional hospitalization allowance protection.

The premiums are relatively low and are suitable for seniors on a budget. 2.Chinese Life Accident Insurance:

This plan is suitable for seniors aged 65-80 and covers accidental injury, accidental dismemberment and accidental death, with the option of medical coverage for specific illnesses. The premiums are more reasonable and the coverage is more comprehensive. 3.

People's Insurance Sunshine Accident Insurance: This insurance is suitable for the elderly aged 65-85 years old, and the coverage includes accidental injury, accidental disability, dullness and accidental death, etc., and can also choose additional accidental medical insurance and hospitalization allowance protection. The premiums are relatively low and the coverage is more comprehensive.

For the elderly over 65 years old, there is still room for accident insurance products to choose from, but there are very few health insurance for this age, (except for the elderly cancer insurance);

In particular, hospitalization medical insurance is not none, it is very rare, and there are restrictions on the annual compensation limit, deductible, and reimbursement ratio.

When Liang Zhengnian has an illness, it will be difficult to renew the insurance in the second year;

Even if the age can be passed, but the biggest difficulty is that the health problem is difficult to pass, and the elderly over 65 years old, the body is completely healthy.

Hardly; As a commercial insurance company, the most important thing is to do a good job in risk control management, which is also the basis for continuous operation, and the older the person, the higher the probability of suffering from disease, the higher the loss ratio, so the insurance company will not do loss-making operations, not only insurance companies, but also any commercial institutions.

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

Accident insurance for seniors over 65 years old + how to buy.

Hello dear. For the elderly over 65 years old, it is recommended to buy cancer prevention medical insurance + comprehensive accident for the elderly. These two only cost one or two thousand dollars a year, but the amount of insurance they get is millions.

First, cancer medical insurance. This kind of insurance health notice is relatively relaxed, diabetes, coronary heart disease, severe hypertension, etc. can be insured, more than 1 million insurance amount, only one or two thousand a year, but we need to note that it only pays for hospitalization expenses caused by cancer. Second, comprehensive accident insurance for the elderly.

This kind of insurance, the premium is low and the insurance amount is high, the insurance amount of 300,000 yuan is only more than 100 yuan per year, according to the above configuration, if the parents are diagnosed with cancer and spend 300,000 yuan, then the 300,000 yuan can be reimbursed through this insurance. In fact, the significance of buying insurance for the elderly is self-evident, it can provide more protection for our family. Generally speaking, the older the insurance company, the greater the risk of underwriting, so the probability of rejection is also greater.

That is to say, even if the parents are healthy, but the age has gone up, they will still refuse to be insured, so the insurance should be applied for as soon as possible. When purchasing, we should give priority to consumer products, which not only provide more comprehensive protection, but also can be adjusted more easily according to the protection needs of different age groups. If the physical condition meets the health notice, you can buy million medical insurance if you can buy one million medical insurance, after all, the coverage is large and the protection is comprehensive.

If you have high blood pressure, diabetes and other diseases, you can no longer buy general medical insurance, at this time, you can consider purchasing cancer medical insurance.

Parents are from the countryside, 65 years old, what is the right thing to buy. I haven't worked for a long time, and I haven't touched Li You have time to think about his parents' affairs, and recently I feel that I still have to make some preparations for their retirement. Experts analyze that the most important difference in improving social medical insurance and social pension insurance is that the purchase of commercial insurance has high premiums, low protection, and requires physical examination, which is not suitable.

Sickness insurance is not to be considered, and accidental medical insurance can be considered. The present of our parents is our future, and it is recommended to start preparing for your future serious illness and retirement. To prepare for our future is to not burden our children with the future, because at least we are now in time for commercial insurance.

And we only have one child, and their future is more burdensome. It is commendable to buy insurance for your parents, but your father is older and cannot buy many types of insurance, so it is recommended that you participate in rural cooperative medical care and buy an accident card. In fact, for you, it is your father's insurance, it is better to solve your father's problems by buying insurance is also a good choice, insurance is not to buy if you want to buy, you must meet the health and age permission, while you are young curve to save the country is still too late.

Regarding the issue of the elderly buying insurance, compared with young people: the premium is more expensive under the same amount of insurance, and a physical examination is required.

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

Hello! To buy accident insurance for 65-year-olds, in addition to paying attention to the age of insurance, we should also pay attention to the protection of interests, and at the same time, we should choose products according to the actual needs of the elderly. The specific description is as follows:

1. Issue age. Accident insurance for the elderly mainly helps families and society to share the burden of accidental injuries for the elderly, so there is a certain limit on the age of insurance. If you need to buy accident insurance for the elderly, then you must ask the staff in detail about this aspect to avoid some unnecessary insurance disputes in the future.

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