Both parents are in their 50s, and they want to buy commercial medical insurance for them, what kind

Both parents are in their 50s, and they want to buy commercial medical insurance for them, what kind of good should they buy?

The first thing I recommend is medical insurance + accident insurance + cancer insurance + critical illness insurance. Why do you recommend medical insurance in the first place?

Once an accident or illness occurs, go to the hospital for **, it is nothing more than two modes, outpatient or hospitalization, minor illness and small disaster, small accident, outpatient can be, the cost is not much, even if there is no insurance, you can also bear the medical expenses. But many people are worried about serious illness medical treatment, which is why the million-dollar medical insurance is recommended first, because the insurance amount is large enough. Another reason is that when parents reach this age, if they buy critical illness insurance, no matter which company they are, they will not encounter particularly cost-effective ones.

In short, in a word, it costs money! Moreover, if you want to make a claim, you must meet certain conditions. Critical illness, because of the cost of money, the damage to the human body is large, the recovery time is long, the main function is to replace the family to provide economic income due to the loss of income caused by illness, although the parents are also important people in life, but because they can no longer bring economic income to the family, is not the object of priority.

If the family's economic conditions are relatively good, critical illness can also be configured.

The people who can earn money in the family are assets, and the assets are the inflow of economic benefits to the family in the future, and the elderly and children in the family can not contribute too much to the family, but their risks will also lead to the outflow of family interests, and their protection is more to be protected by consumption-based insurance.

Therefore, if the physical condition is good, you can buy millions of medical insurance, there are not so many complicated procedures, and you will underwrite it immediately, if the physical condition is not so good, and you have a history of hospitalization, you should consider offline medical insurance, provide medical records for the insurance company to underwrite, the underwriting of general medical insurance is relatively strict, if you can't buy medical insurance, then consider cancer insurance.

Accident insurance is a must-have, and the amount of insurance should be sufficient, recently a customer, bought a family card, a year to pay 365, 5 people share 36000 of the amount of insurance, a person 7200, as a result of the customer's father was smashed, hospitalization cost more than 20000, the accident card fixed amount reimbursement of 7200 yuan, the remaining part, you can apply for the local Committee on Aging to the elderly in the countryside over 60 years old insured silver age health accident insurance claim. Although the insurance amount is not high, 2,000 yuan, no matter how small it is, it is meat.

If the home is a house, the parents are the door, the elderly and children are the windows, the risk of the couple will not only affect the income, but also lead to the family's financial expenditure, although the elderly and children can not create income, but their risk will also lead to the family's financial expenditure, so everyone should be equipped with insurance, only social security people, are running naked.

I think it would be better to buy critical illness insurance from a regular insurance company, because at the age of 50, their physical condition will deteriorate, and buying critical illness insurance can reduce the medical burden.

If you want to buy commercial medical insurance for your parents, you can go to the local insurance company to inquire in this regard, Ping An PICC has a very complete range of insurance in this regard, and you can also make some inquiries in this regard in advance, and you can also buy the right one for your parents when you buy insurance in the future.

When we choose commercial insurance for him, we should pay attention to whether there is a lot of protection for some contents, whether there are some elderly diseases, and choose the right one for you.

Hello, if people over the age of 50 are able to accept insurance premiums, they can buy health insurance.

After all, at a certain age, medical expenses can be substantial**, but people over the age of 50 should consider several questions when purchasing medical insurance: 1. Can you pass the medical examination in good health? Many friends over the age of 40 have varying degrees of physical problems.

Insurance is what young people prepare themselves for when they are old. Only by planning well at a young age can they avoid the embarrassment of old age. Two...

Is the health insurance I choose guaranteed to be renewed? If the reimbursement or subsidy category of consumer medical insurance should pay attention to the renewal issue, most products are not renewed, some products are renewed, some are renewed, and some are renewed for 5 years, 10 years, and 3 years. Once diagnosed as a chronic disease.

or more often, renewal is definitely a problem. 3. Lifelong medical products can be considered, which are life insurance products that can be converted into medical expenses, and the insurance amount is guaranteed to be refunded regardless of whether the medical expenses are reimbursed or not. 4. The age limit on the insurance ban, over 55 years old to buy medical products, many products are no longer available, and basically require physical examination.

5. Endowment insurance.

It is suggested that if there is no social security and cooperative medical care, social security and cooperative medical care should be improved, and accident medical care should be supplemented at the same time. Families with financial means can purchase critical illness insurance for the elderly.

and lifetime medical insurance products. It is recommended that consumer medical insurance pay attention to whether there is a warranty renewal clause.

At the age of fifty, you can definitely buy medical insurance, for the sake of your own health.

Local health insurance, such as:Rural Cooperative Medical Insurance,......... by governmentThe government takes the lead in supporting and voluntarily participating, and individual, collective, and political .........The government finances from various sources, and as a project to benefit the people, it can be insured with illness, more than 100 yuan per year.

Health insurance premiums are available regardless of age.

1. Buy accident insurance first.

The reason is very simple, accident insurance is cheap, and the health requirements are very low, if you do not protect against sudden death, many accident insurance is not health informed.

Spend more than 100 to protect hundreds of thousands, super cost-effective!

To insure accident insurance for the elderly, it should be noted that the responsibility for fractures should be covered as much as possible, such as 20,000 yuan directly for fractures.

In addition, the sum insured for accidental death does not need to be so high, because he is no longer the breadwinner of the family, so pay more attention to the accidental medical protection.

The age is not more than 60 years old, and the big armor and big bodyguards are good; If you are over 60 years old, you can take a look at Chubb Insurance's home treasure.

Accident medical treatment has 0 deductible, 100% payout, and 10,000 fracture insurance benefits.

2. It's not bad to be able to buy critical illness insurance.

Can I buy critical illness insurance? My advice is to buy consumer-oriented ones, and it's good to be able to buy them.

The example at the beginning of the article, a 55-year-old man, insured Ruyi Ganlin, paid in 10 years, insured 150,000 yuan, 6,918 yuan a year.

Although the premium of close to 7,000 yuan is a bit expensive, the probability of risk is higher than that of young people in this age group.

If the risk occurs after only one payment, this policy will directly pay 170%, that is, 10,000.

6,918 yuan and 255,000 yuan, which one is more and which is less, no one knows, right?

If you really think it's expensive, or you can't buy it because of your health, it's not a bad idea to choose cancer insurance.

According to the analysis of critical illness insurance claims of insurance companies, more than 60% of claims are malignant tumors, so you can't buy critical illness insurance, and it's not bad to buy cancer insurance, because you can't prevent the biggest critical illness risk.

Cancer insurance can look at Ruitai Life's Tai Anxin, which is okay for cancer prevention at present.

What kind of insurance should I buy for my parents? It's over 50 years old! No bad habits!

People in their fifties buy insurance, and I think they should still buy social pension insurance. As long as you buy enough social pension insurance for 15 years, when you reach retirement age, you can receive a pension every month, and the pension is ** year by year.

Buy an endowment insurance, in this way, if there are some serious illnesses in old age, there will be additional reimbursement subsidies for hospitalization, plus a monthly pension insurance pension, even if life is worry-free, you have a living security, and it also reduces a lot of financial pressure burden for your children.

If his parents are in their fifties, they should buy him a serious illness insurance and an endowment insurance, so that in his later years, if he has some serious illnesses, he will have additional reimbursement subsidies for hospitalization, plus a monthly pension insurance pension, even if he has no worries about food and clothing, he has a living guarantee, and he has a lot of financial pressure and burden for his children.

In your 50s, you should choose insurance as soon as possible, because many insurance will not be allowed to buy at the age of 60, I think the 50s are going to old age, although the World Health Organization has raised the standard for the elderly, but it is better to take precautions and buy some medical insurance and life insurance.

Parents in their 50s, should buy medical insurance and endowment insurance is more appropriate, after entering the old age, physical health will undergo great changes, then you need to buy medical insurance, at the same time pension is also a very critical issue, but also need to buy endowment insurance.

Commercial insurance generally uses a natural rate, that is, the older you are, the more expensive the premium will be. The premium of commercial insurance for parents in their 50s and 55s is much more expensive than insuring ourselves, but no matter what the premium is, we will be more at ease if we insure our parents with commercial insurance and give our parents more protection. What you need to buy still needs to be decided based on your own economic situation.

When your parents are in their fifties, of course, you can buy some endowment insurance or critical illness insurance for your parents, which is most suitable for their age.

My parents are in their 50s, and I think that every social pension insurance is very charming, and every major medical illness insurance is needed, so that there is not only the salary of retirement pension, but also their own health, and each insurance is more appropriate.

This question is like this, as the saying goes, take precautions, parents are in their 50s, if there is already social security, NCMS insurance, you can buy some more commercial insurance if you have the conditions, so that you will be more protected in case of trouble.

Parents are in their 50s, in fact, they can buy any insurance, because buying insurance at this age is also quite high. You can buy some accident insurance or buy some critical illness medical insurance.

If you have social security, you can consider buying a critical illness insurance. Nowadays, there are many people who are poor due to illness, and when they are old, they can't spend a lot of money on food and clothing, and the biggest expense is illness, especially major diseases.

Therefore, if the financial conditions allow, you can buy a critical illness, but if you buy it in your 50s, the premium is not cheap.

My father and parents are now in their 50s, and it is most cost-effective to buy medical insurance or NCMS and urban residents' medical insurance, because they all belong to the scope of social security and enjoy the first subsidy.

You can buy an endowment insurance for your parents, so that in your later years, if you have some serious illnesses, you will have additional reimbursement subsidies for hospitalization, plus a monthly endowment insurance, and your retirement life will be worry-free, and you will have children and reduce a lot of burden.

It's best to buy one in your fifties. Critical illness insurance, and then make more money, other insurance is not much use.

I think it's better for people in their 50s to buy sickness insurance. Because it is easy for people to find various diseases when they get older. And there are many diseases that cost a lot of money.

My sister's insurance can reduce our financial pressure when we need it urgently. In this way, we can ensure a good life for our bodies.

There is an age limit for purchasing commercial medical insurance, and generally no more than 55 years old can be insured. For people over the age of 50, it is no longer recommended to buy commercial medical insurance. The reason for this is that when buying commercial medical insurance at this age, you need to consider the problem of "inversion" of premiums

The premium paid is higher than the sum insured. If you really want to buy critical illness insurance, you still have to pass a strict physical examination, and if you have a slight physical problem, you will be rejected by the insurance company.

Commercial medical insurance, such as critical illness insurance, is the most suitable age to purchase critical illness insurance, which should be 30 to 40 years old, and the sooner the better. 30-year-old 40-year-old to buy general medical insurance, the premium only needs to pay 650 yuan a year, and 40-year-old 50-year-old repurchase, you need to pay more than 900 yuan to protect the cherry blossoms, and the reimbursement ratio is 80%.

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

You can consider buying insurance for your parents

1. If there is no medical insurance, you can first improve the rural medical insurance. Dozens of dollars a year.

Second, you can consider whether to buy commercial insurance or social security for your parents. If you buy commercial insurance, you can buy whole life insurance, and the insurance liability will be from the effective date of the insurance contract until the death of the insured. You can also buy pension insurance, and the insured can receive insurance benefits regardless of whether he dies during the insurance period or survives until the expiration of the insurance period.

When buying commercial insurance, you must remember to add additional insurance, which can be attached to critical illness insurance, accident insurance, accident medical insurance, etc.

If you don't want to buy commercial insurance, you can buy social security. Pay once a year, pay it off in 15 years, and you can receive a monthly pension when you reach retirement age.

3. If you buy commercial insurance, you should pay attention to the fact that 50 years old is an insurance threshold, and after the age of 50, you need to have a physical examination to apply for critical illness insurance, and you can only underwrite it after passing the insurance.

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