Is it okay for middle aged and elderly people to pay critical illness insurance only when they suffe

No, if you suffer from a major illness, you must truthfully inform when applying for insurance, basically the insurance company will not accept the insurance again, but you can try to insure accident insurance, even if you do not truthfully inform the insurance, but the insurance company will not pay when you settle the claim, "the obligation to truthfully inform" is the legal obligation that the policyholder must perform as stipulated in the Insurance Law, if the policyholder fails to perform the obligation to truthfully inform when applying for insurance, and the matters not informed are enough to affect the insurer's decision to agree to underwrite or increase the insurance rate. The insurer has the right to rescind the contract.

In an environment where the health crisis is becoming more and more serious, although people have medical insurance, once a major illness occurs, due to the limitations of medical insurance reimbursement, it is beyond the reach of the most serious diseases that require hundreds of thousands. We should buy a commercial insurance for ourselves and our families, especially commercial critical illness insurance. According to relevant surveys, critical illnesses are no longer only common among middle-aged and elderly people, but also among young people and children.

Therefore, it is recommended that you purchase a critical illness insurance policy for yourself and your family to protect their health.

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

It is not possible for middle-aged and elderly people to pay critical illness insurance only when they suffer from critical illness, and critical illness insurance covers critical illness that occurs only after applying for insurance.

Because no matter which aspect you look at, the elderly are very losing money when they buy critical illness insurance.

That is, when the elderly suffer from a serious illness, the insurance company will pay a claim.

The 25 diseases in the critical illness insurance are stipulated by the state, and the coverage rate and incidence rate of these 25 critical illnesses are as high as more than 95%, and these 25 are:

1. Malignant tumors (excluding some early-stage malignant tumors).

2. Sequelae of stroke (must be permanent dysfunction) 3. Acute myocardial infarction.

4. Coronary artery bypass grafting (must be thoracotomy).

5. Major organ transplantation or hematopoietic stem cell transplantation (must be allogeneic transplantation) 6. Multiple limb loss (limb must be completely severed) 7. Chronic renal failure uremia (must be dialysis** or kidney exchange surgery) 8. Acute or subacute severe hepatitis.

9. Deafness in both ears (must be permanent).

10. Blindness in both eyes (must be permanent).

11. Benign brain tumor (must be radiation** or craniotomy) 12, sequelae of encephalitis or meningitis (must be permanent dysfunction) 13, decompensated chronic liver failure (** cannot be caused by alcohol or drug abuse) 14, paralysis (must be permanent).

15. Deep coma (** cannot be caused by alcohol or drug abuse) 16. Severe Alzheimer's disease (requires the patient to completely lose the ability to live independently) 17. Heart valve surgery (must be thoracotomy).

18. Severe Parkinson's disease (requiring the patient to completely lose the ability to live independently) 19, severe brain injury (must be a permanent functional impairment) 20, severe burns (the burn area should be at least 20% of the body surface area) 21, loss of language ability (active ** for at least 12 months, but still completely losing the ability to speak) 22, severe primary pulmonary hypertension (requiring heart failure) 23, severe motor neuron disease (requiring the patient to completely lose the ability to live independently) 24, Aortic surgery (thoracotomy or laparotomy required) 25. Severe aplastic anemia.

1. The elderly should pay attention to their age and physical health when applying for critical illness insurance. There are many critical illness insurance companies on the market that require up to 65 years old, and diseases such as hypertension, myocardial infarction, and coronary heart disease, which are common to the elderly, will have the problem of refusal of insurance.

2. Learn to shop around, don't rush to buy insurance because of age or health problems, each insurance company has a big difference in critical illness insurance, if you don't compare carefully, it is difficult to find their advantages and disadvantages. It's not that the more types of critical illness insurance the better, and it's not the most expensive premium. When purchasing, the elderly should start according to their actual needs and choose what suits them.

3. When the elderly buy critical illness insurance, they should calculate whether there is an inversion of the premium, that is, the total premium paid is higher than the sum insured, so it is not recommended to buy it.

It refers to the commercial insurance behavior handled by the insurance company to pay the insurance money according to the insurance contract when the insured reaches the critical illness status agreed in the insurance clause when the risk of specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc. occurs.

1. Age. Many critical illness insurance products are not friendly to the elderly, and most of the popular critical illness insurance products on the market are relatively strict in terms of insurance age, generally limited to 55 or 60 years old.

Those who are over this age are not able to purchase critical illness insurance.

Therefore, for parents, age is the most important threshold of the Tao.

2. Sum insured. The elderly have a high risk of illness and a high probability of insurance, so in order to control the risk and reduce the pressure of claims, insurance companies generally limit the amount of insurance for the elderly.

3. Health status.

Because critical illness insurance covers illness, critical illness insurance is very strict about the health status of the insured.

It is precisely because of the elderly that their physical functions have deteriorated due to their age, and their bodies will have some minor problems, such as high blood pressure, high blood sugar, chronic diseases, etc.

Therefore, it is generally difficult for the elderly to obtain critical illness insurance through health notification when purchasing critical illness insurance, resulting in the inability to purchase critical illness insurance.

This is what we often say that the proportion of critical illness insurance reimbursement is relatively large.

After the elderly are over 60 years old, they can no longer buy critical illness insurance, but can only buy medical insurance.

What is Jie Pin Insurance for the Elderly? Be. Lazy people. Health insurance.

51-year-old middle-aged and elderly people are not suitable for critical illness insurance. So what insurance products are suitable for 51-year-old middle-aged and elderly people to buy, you can refer to this article for specific configuration ideas:How to configure insurance for middle-aged and elderly people

1. Why is it not suitable for 51-year-old middle-aged and elderly people to buy critical illness insurance?

There are two main thresholds for buying insuranceOne is health, and the other is age

51-year-old middle-aged and elderly people are getting worse and worse, and the risk of illness is increasingHealth notifications will be strict, the physical condition may not be informed by health.

Secondly, the maximum age of many critical illness products on the market is only 50 years old, and many products are not available. There are also products up to the age of 55 or 60, but if you buy after the age of 50, the premium will be very expensiveIt is easy to invert the premium, and the money paid may be more than the money lostIn this case, there is no point in buying insurance.

2. What kind of insurance is suitable for 51-year-old middle-aged and elderly people?

For most middle-aged and elderly people, to buy insurance, it is generally recommended to have millions of medical insurance Cancer prevention medical insurance + accident insurance is enough.

1.Million Medical Insurance Cancer Medical Insurance

As we age, our body functions gradually weaken, and the risk of illness increases, so it is very necessary to have a medical insurance.

Million medical insurance is a reimbursement system, and you will be reimbursed as much as you spend。Whether it was a serious illness or an accident, he was hospitalized. In addition to the deductible, the remaining hospitalization, surgery, nursing, medicine, various examination fees and other expenses can be reimbursed by the insurance company, and the maximum can be reported to several million, and the premium is only a few hundred yuan per year, which is very practical.

However, the health notice of million medical insurance is stricter, and if the physical condition cannot be satisfied, you can retreat to the next best thing to buy cancer medical insurance. Health notices for cancer medical insurance are more relaxed, although only expenses incurred during the period of cancer** can be reimbursed, butThe premium is lower than that of the Million Medical Insurance, and the sum insured is about the same.

2.Accident insurance

For 51-year-old middle-aged and elderly people, it is common to have injuries due to their age, their hands and feet are not so flexible, and there will be osteoporosis problems. Generally, the one-year accident insurance is very cost-effective, in addition to protecting the liability for death, it also includes disability and accidental medical liability, which is a very practical protection, and one or two hundred yuan per year can have hundreds of thousands of insurance amounts, which is very suitable for the elderly.

Hello, you can also buy critical illness insurance at your age. The need can be there for you.

As people grow older, when they enter middle and old age, the most important thing to protect is health. Therefore, it is still necessary to purchase critical illness insurance. Generally speaking, middle-aged and elderly people need to pay attention to the following issues when purchasing critical illness insurance:

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

Summary. Hello, it's better to pay the serious illness pension insurance in full. Because after getting sick, you still need to be treated, and you need medical insurance to treat the disease, and if you don't pay endowment insurance, there will be no medical insurance. You have to pay for your own medical treatment<>

Hello, the serious illness pension insurance is the best, and it is enough to continue to pay better. Because after getting sick, you still need to be treated, and Huai Hall needs medical insurance for treatment, and there is no medical insurance if you don't pay endowment insurance. You have to pay for your own medical treatment<>

At what age can a patient receive a pension, and is it the same as a normal person?

Hello, yes. At the statutory retirement age, you can receive a retirement pension, which is 55 years old for men. Women can retire at the age of 50. However, the premise is that you must have paid enough for more than 15 years before you can receive a retirement pension.

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Summary. Hello dear, if you have a major illness, you have to pay endowment insurance, you have a critical illness and pay endowment insurance has no joint relationship, you can be reimbursed if you have a critical illness, but endowment insurance should still be paid, there is no payment period if you don't pay endowment insurance, and you can't retire on time if you don't pay enough years.

Hello. Hello, if you have a major illness, you have to pay endowment insurance, you have a critical illness and have no relationship with endowment insurance, you can be reimbursed if you have a critical illness, but endowment insurance should still be paid, there is no payment of endowment insurance, there is no annual limit for payment, and you can't retire on time after not paying the premium.

Do I need to pay pension insurance after I have acute leukemia?

But I didn't have a job. It is not a subsidy to enjoy in the future.

Hello, the state does not have an exemption policy in this regard, but if you meet the relevant auspicious reputation conditions, you can apply for early retirement or retirement. Of course, the premise is to meet the requirements of a certain number of dismantling and closing, and most people cannot get the benefits in this regard. If it refers to commercial medical insurance, such as Sunshine Insurance, it is stipulated in the specific disease insurance for women who protect their lives, and if they have a critical illness that meets the terms, the future insurance premiums can be exempted.

But it has nothing to do with pension insurance.

Old-age insurance is a system to protect the basic life after retirement from work in old age, while Huhui medical insurance is a system to protect medical expenses when you are sick and stupid, and there is no correlation or conflict between the two.

The social security subsidy is a subsidy for those who have already paid social security, and it is not directly related to whether you have acute leukemia.

If you don't have a job, you don't need to pay pension insurance. Endowment insurance is a kind of social insurance, which mainly provides basic hardship life security for incumbents after retirement, and also includes medical care, maternity and other aspects of security.

If you have acute leukemia and need to undergo and recover, consider applying for social assistance to get some financial help and assistance.

Hello dear dear, if you have a major illness, you also need to pay endowment insurance, the full name of social basic endowment insurance, is a social insurance system established by the state and society according to certain laws and regulations for workers to reach the working age limit for the release of labor obligations stipulated by the state, or to withdraw from the labor post due to old age. Old-age insurance is an important part of the social security system and one of the most important types of social insurance. The purpose of endowment insurance is to ensure the basic living needs of the elderly and provide them with a stable and reliable life**.

The state stipulates that after the workers are old or lose the ability to work, according to their contributions to the society and their qualifications for pension insurance or retirement conditions, the insurance benefits paid in the form of money on a monthly or one-time basis are mainly used to ensure the basic living needs of the workers after retirement. Many people may not know that the money we deposit in the pension account is profitable.

For example, in 2015, the income interest rate in Guangdong Province was; In 2016, the Ministry of Human Resources and Social Security announced that the bookkeeping interest rate would be unified as: This rate of return is okay, and as an additional income, it will come to our account in a real way. For the calculation of pensions, there is a unified formula for calculating employee pension insurance in the country

Monthly pension = personal account pension + basic pensionPersonal account pension = personal account savings Number of months (50 years old is 139) basic pension = (average monthly salary of on-the-job employees + average monthly indexed salary of employees) 2 years of payment 1% of my average indexed monthly salary = (current salary of my own average monthly salary of on-the-job employees) average social wage at the time of retirement. From this formula, we can see that in the case of the same number of years of payment, the level of the basic pension depends on the average contribution index of the individual. Pension insurance has been paid for 15 years.

If you do not pay it all, you can apply for an extension of payment or a one-time supplementary payment); In accordance with the relevant regulations of the state and Guangdong Province, the place of receiving pension insurance benefits is the city; Reach retirement age. (55 years for women and 60 years for men); 3.Someone in the place where the pension is received has paid pension insurance in many places, should I go to ** to receive it?

Only one city has paid for pension insurance for 10 years: in the city where it has been paid for 10 years; Multiple cities have paid for 10 years: pick up in the last city that has paid for 10 years; No city has paid for 10 years

Pick it up at the place of domicile.