At what age can you not buy insurance, and at what age can you not buy endowment insurance

Different plans have different age requirements. Generally, you can't buy critical illness insurance if you are over 60 years old, but you can still buy insurance such as old age accident insurance, cancer prevention insurance, and cancer prevention medical insurance. Like the current cancer insurance can be bought before the age of 75, and the old age accident insurance can be bought before the age of 80, and the specific age limit of other insurance is subject to the insurance requirements purchased.

The upper age limit for accident insurance coverage is generally 65 years old, while the upper age limit for certain term life insurance policies can be up to 80 years old. Some travel agencies are reluctant to accept the elderly because the terms of many insurance products refuse to accept the elderly. In fact, the older the elderly, the higher the risk, the greater the likelihood of accidents and diseases, and the greater the risk that the insurance company needs to bear.

In addition to accident insurance, the underwriting age of life insurance, medical insurance, and critical illness insurance is more stringent. The age of life insurance is generally 60 years old, and individual universal insurance with strong investment functions can also be relaxed to 70 years old; The insurance age of medical insurance is generally 60 years old, and the maximum is not more than 65 years old; The general upper limit of critical illness insurance is 55 years old, and some products are relaxed to 60 years old. There is also cancer insurance for the elderly, which is relaxed up to 75 years old.

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For example, critical illness insurance, many products can cover infants born at least 28 days old or 30 days old, and can be insured by the elderly up to 55 or 65 years old, while some children's critical illness insurance can be insured at a maximum age of 17 years old, and some even cover minors up to 10 years old.

The specific age limit for insurance application is also subject to the specific insurance product insurance regulations. If you are not sure about the configuration of insurance plans for people of all ages, then we can refer to this plan to choose insurance: How to buy insurance for different age groups? Everyone should have their own plan.

Let's take a look at the approximate age range of the four common types of protection insurance:

1. Critical illness insurance: The insurance age of most critical illness insurance products is 0-55 years old, and the upper age limit of a few products is relatively high, which can reach one year.

2. Medical insurance: The age of the insured of commercial medical insurance is generally limited to between 0 and 65 years old.

3. Accident insurance: The insurance age of accident insurance is usually from 0 to 65 years old, and the maximum insurance age of many elderly accident insurance can reach 80 years old.

4. Life insurance: The maximum insurance age of many life insurance products is not more than one year old, but there have been many life insurance policies on the market with a maximum insurance age of one year, giving more elderly people the opportunity to apply for insurance.

It should be noted that the minimum age of most life insurance is 28 or 30 days old, although children can also be insured, but it does not mean that children are suitable for life insurance, because children have no financial ability, and the state also has restrictions on the death protection compensation of minors. What kind of insurance should children buy, we read this article and it is clear: is it necessary for children to buy insurance?

One article to solve all your doubts!

We should also note that some products are adult insurance, and minors or people under the age of few are not insured; Some products are children's insurance, and people who exceed the prescribed maximum age cannot be insured.

If you don't know much about the role of these four types of protection insurance, you can take a look at this popular science article: What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

The age limit is different for different types of insurance. Generally, if you buy insurance, you usually need to look at the age of the policy, and sometimes age is the biggest obstacle and restriction to insurance. Many people want to buy insurance, but they give up because of age restrictions.

Generally speaking, each type of insurance has different age requirements, such as annuity insurance, and usually her age requirement is between 18 and 60 years old to purchase this type of insurance. If you are under the age of 18 or over the age of 60, you will not be able to purchase it. As for why it is so stipulated, then only the insurance company is clear, so when we choose insurance, we must first see the age of insurance, if their age has exceeded the scope of insurance, then there is no need to look at the various terms of the insurance, which can only consume time, and ultimately can not be purchased.

If you say that you have purchased medical insurance, then you should see the payment time and amount of medical insurance, and you must pay a certain amount within the specified time, so that you can get timely compensation after the accident. Don't suddenly break the insurance in the process of insurance, in this way, it is very likely that your funds will be lost, and in the event of an accident, the insurance company will not be able to compensate, in this way, it is easy to let yourself pay for many years, and in the end it will be empty, which will consume both time and energy.

Therefore, when the policyholder buys insurance, we must clearly see the age limit and various insurance terms, and ask for the content of the compensation, so that we can get the timely compensation of the insurance company when the accident occurs. Don't let your carelessness deny the importance of insurance to us.

There is an age limit, and the loss of points depends on what type of insurance you buy, if you buy children's insurance, then you can't buy it if you're over 18 years old, and if you want to buy old-age insurance, you can't buy it if you're over 60 years old.

There is an age limit, generally the oldest age is around 50 years old, but there are many products for the elderly, and the requirements for the elderly are also relatively large, many of them are about 70 years old.

There is also an age limit for buying insurance, up to 70 years old, and you can't buy it at this time, which is stipulated by the state.

Some plans have an age limit, while others have no age limit. The oldest can not be purchased until the age of 60.

Pension insurance. How old you can't buy it depends on the situation. Whether it's social insurance.

It is still commercial insurance, and there is an age limit for state envy pension insurance. Social security.

pension insurance, as long as at retirement age.

Before, you can participate in the insurance, but if you reach the retirement age and have not purchased 15 years, you can not receive pension insurance, you must continue to pay until you pay for 15 years, generally speaking, the upper limit of the number of years is 45 years old for women and 50 years old for men, that is, women over 45 years old and men over 50 years old can not buy pension insurance. Commercial insurance also stipulates the number of years of contribution and the corresponding (earliest and latest) age of payment, so as to determine the age limit of pension insurance. It is recommended that those who intend to sell it back buy it as soon as possible.

Because the older you are, the higher the sail auction premium.

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If you are over 60 years old, you can't buy critical illness insurance, but you can still buy old age accident insurance, cancer prevention insurance, cancer prevention medical insurance and other insurance, of which cancer prevention insurance can only be purchased until the age of 75, and you can't continue to apply for insurance after the age of 75.

Extended Information: The concept of critical illness insurance was developed by a doctor named Marius Barnard, who found that many patients who had undergone heart transplants by his brother Dr. Christine had lost their income and had to pay high costs, which had changed their lives and were financially struggling.

To alleviate the financial pressure on these people, he and an insurance company in South Africa jointly developed critical illness insurance. This type of insurance provides financial support to patients before, during, and after the diagnosis, and receives a one-time tax-free insurance benefit whenever the patient is diagnosed with a critical illness. Thanks to Dr. Marius' vision, critical illness insurance is now widely available worldwide.

Points to note for claims settlement:

First, a hospital diagnosis is required. When the insured person feels that there are signs of a serious illness in his or her physical condition, he or she will generally go to the hospital designated by the insurance company for treatment. During the consultation, the hospital will diagnose the physical condition of the insured person and conclude whether the insured has a critical illness and what kind of critical illness it is. The diagnosis of the hospital will have a diagnosis certificate, and the diagnosis certificate is an important basis for critical illness insurance claims.

Second, report the case in a timely manner. After the insured is diagnosed with a critical illness, he or she needs to check the policy to see if it is a critical illness as stated in the policy. In general, critical illness is basically included in the insurance taken out by the insured.

Next, the insured should report to the insurance company in time, either before or after hospitalization. After receiving the report, the insurance company will initiate the claim process and settle the claim.

Third, prepare the claim information. Critical illness insurance claims generally require the following materials: first, diagnosis certificate, outpatient medical records, discharge summary, hospitalization summary, and diagnosis certificates from multiple hospitals need to be provided at the same time; the second is the receipt of medical expenses, receipts of hospitalization expenses and a detailed list of hospitalization expenses; The third is pathology, laboratory tests, imaging, electrocardiogram and other examination reports, which need to be stamped with the valid signature of the medical institution.

There is no rule on how old you are, you can't buy it.

Personal accident insurance is a variety of personal accident insurance that is the object of personal accident insurance.

Most of them are voluntary, but some are compulsory. For example, personal accident insurance for passengers in China has the characteristics of mandatory.

The insurance conditions are relatively relaxed. General personal accident insurance does not have strict requirements for the insured object, and all healthy people, able to work normally or normal workers can be insured.

Retirement age. Currently in his 60s. Female fifty.

Interim Measures for the Retirement and Retirement of Workers》 Article 1 Workers of enterprises owned by the whole people, public institutions, party and government organs, and mass organizations shall retire if they meet one of the following conditions. (1) Men are at least 60 years old, women are at least 50 years old, and have worked continuously for 10 years. (2) Engaged in underground, high-altitude, high-temperature, particularly heavy physical labor, or other work harmful to physical health, and is at least 55 years old for men and 45 years old for women, and has worked continuously for 10 years or more.

This provision also applies to grassroots cadres whose working conditions are the same as those of workers. (3) Men who have reached the age of 50 and women who have reached the age of 45, who have worked continuously for 10 years or more, and who have been certified by a hospital and confirmed by the labor appraisal committee as completely incapacitated for work. (4) Disabled due to work, certified by the hospital and determined by the labor appraisal committee, completely incapacitated to work.

How old can not buy insurance needs to be analyzed by specific products, because different insurance products support the same age range, may be product A supports people aged 18-60 years old to insure, while product B supports people aged 0-50 years old.

Ultra-complete! Everything you need to know about insurance is here.

However, generally speaking, it is recommended that everyone buy insurance as early as possible when the budget is sufficient.

On the one hand, the sooner you buy insurance, the lower the ** of many insurance products, such as critical illness insurance, children buy critical illness insurance, under the same conditions, the premium ** is thousands of yuan cheaper than that of adults, or even tens of thousands of fierce reputations.

On the other hand, if the insured is unfortunately sick in the future and meets the conditions for claims, the critical illness insurance can compensate the insurance money, and the medical insurance can reimburse the hospitalization medical expenses, so the insured does not have to worry about no money**.

How to buy insurance for different age groups? Everyone should have their own plan.

On the whole, insurance is still very complicated, in addition to paying attention to the type of insurance that suits you, you must also know how to choose a cost-effective product, after all, there are many specific insurance products on the market.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.