60 year olds can buy commercial insurance

Hello! The age of 60-year-olds to buy commercial insurance is a bit on the older side, and it is recommended that you focus on social insurance!

As for commercial insurance suitable for people aged 60, it is recommended to follow the necessary order: accident insurance - critical illness insurance - health and medical insurance, etc.

Since the physical health of people in their 60s is relatively unstable, some insurance companies have certain insurance requirements for such elderly people, but they are not limited to the insurance products that are suitable for them, and some insurance companies also provide them.

You can take a look: Huize "Elderly Care" health care series products, which are suitable for the needs of the elderly over 51 years old, divided into short-term health medical protection, long-term health medical protection and high-value health medical insurance, and critical illness accidents can be covered!

Hope it helps!

Hello, 60 years old is possible to buy commercial insurance.

Yes, but because of age, there will be a lot of restrictions when applying for insurance, you can buy commercial insurance that suits you according to your needs, I hope it can help you.

Older people are less physically fit with age, and their legs and feet are less flexible than they used to be, so they are more likely to be at risk. In this regard, you need to buy the right insurance for your parents in time to avoid risks for them. For the 60-year-old, it is no longer suitable for long-term insurance, not only the premium is inverted but also there is a risk of refusal, and there is no pension insurance suitable for your parents.

For your parents who have just turned 60, there are consumer options available, such as accident insurance and health insurance.

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Some elderly people think that the level of protection of the basic social pension insurance is relatively low, and the amount of pension received each month is relatively small, so they hope to be able to buy a commercial pension insurance to ensure the quality of life in their later years. But here I am sorry to tell you that almost no insurance companies will provide more than 60 commercial pension insurance, even if there are insurance companies that provide this type of pension insurance products, but the insurance rate will be very high. The reason is that this age is already the time to receive an annuity for most pension insurance contracts, so it is no longer suitable to buy commercial pension insurance at this time.

Hello! Seniors over the age of 60 can buy insurance.

There are two risks that a 60-year-old needs to be transferred, one is the risk of illness and the other is the risk of accident. Therefore, it is enough to configure accident insurance and medical insurance.

Of course, if you don't know which insurance is better for people over 60 years old, or if you want to customize an exclusive insurance plan for your parents, you can click to make an appointment for [1-to-1 insurance planning service], and Deep Blue Insurance Dedicated Insurance Brokers will provide you with professional advice.

Let's take a look at how the elderly over 60 years old can choose to buy insurance.

1. Accident insurance.

Accident insurance is relatively simple, and when choosing accident insurance for the elderly, focus on accidental medical treatment and disability protection.

Accidental medical treatment includes both outpatient and inpatient medical treatment, and accidental medical treatment can be reimbursed for any injury caused by an accident. When choosing, there are three main points to look at:

First, looking at the scope of reimbursement, some products only cover the use of drugs within the social insurance, and some can also be reported outside the social security.

Of course, it is better to use products that are not limited to social security and internal and external drugs, so that if the elderly have a fracture, they can be fully reimbursed by using imported steel nails or other self-financed drugs.

Second, look at the deductible, that is, the reimbursement threshold, which must be as low as possible.

Third, looking at the reimbursement ratio, 100% reimbursement is definitely better than 80%.

2. Medical insurance.

If you are in good physical condition and can pass the health notification of the million medical insurance, the first choice is the million medical insurance, and if you can't buy the million medical insurance, you can choose the cancer prevention medical insurance. If you can't even buy cancer prevention medical insurance, you can choose the local ** Huimin Insurance.

3. Cancer insurance.

If you have the budget, you can also buy another cancer insurance, if you have the cancer agreed in the contract and meet the conditions for claims, you can pay a lump sum of money to reduce the financial burden of the family.

If the elderly over 60 years old or above already have the social security of the unit, they can not buy commercial insurance, because the elderly over 60 years old can not buy many types of insurance, even if they can buy the type of insurance, the insurance rate is very high, not cost-effective, and to have a physical examination, there is no problem can not be insured.

If you really need to be insured, you should consider taking out medical insurance. Because the elderly belong to the disadvantaged group of society, they are more likely to get sick than other groups. The probability of accidental injuries in the elderly is higher than that of other age groups, especially traffic accidents, accidental falls, silver injuries, fires and other accidents are more serious to the elderly.

Therefore, accident insurance should also be an important option for the elderly to purchase insurance.

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Mainly illness insurance, life insurance financial management is not recommended to buy the following insurance is more cost-effective: critical illness insurance, mainly to protect malignant tumors, severe cerebral hemorrhage sequelae and other critical illnesses, but also need the insured to meet the insurance age, health notice and other conditions. Medical insurance mainly reimburses the reasonable and necessary medical expenses incurred by the insured due to accidents or illnesses.

Cancer insurance.

Cancer insurance For seniors over the age of 60, it is very difficult to buy suitable critical illness insurance.