Commercial health insurance for the elderly, commercial endowment insurance for the elderly

Seniors buy commercial health insurance.

It is also necessary because older people are diagnosed with serious diseases as they age.

The probability is also very high, it is generally recommended that the elderly buy cancer insurance, cancer medical insurance, two types of common health insurance, as for why you say this, today the senior sister will help you analyze.

1. Commercial health insurance suitable for the elderly.

The most common health insurance in the market is critical illness insurance.

and medical insurance, but from the perspective of the age of the insured, the insurance threshold of critical illness insurance is relatively high, and the elderly generally cannot buy critical illness insurance, while many cancer insurance is designed for the elderly, with a low age limit. Secondly, the health notice of critical illness insurance is relatively strict, and in contrast, the health notice of cancer insurance will be much more relaxed, such as high blood pressure common in the elderly.

Heart disease, diabetes.

It is also possible to be insured.

In addition, due to the strict requirements for age and physical condition of ordinary commercial medical insurance, a considerable number of people (especially the elderly) cannot be insured with medical insurance, so this part of the population can be replaced by cancer prevention medical insurance.

Interested friends can poke into this article: what is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

2. Precautions for the elderly to buy insurance.

In addition to commercial health insurance, the elderly also need to buy an accident insurance.

Due to their own reasons, the body of the elderly is not as sensitive as that of the young, coupled with osteoporosis.

A small action in life may lead to serious consequences; And accidents can happen at any time, after all, everyone is equal in the face of accidents, so it is more important to buy an accident insurance for the elderly, especially the accident insurance with accidental medical insurance, so that you can reimburse the medical expenses incurred by the elderly due to accidents in the hospital according to a certain percentage.

At the end of the article, the senior sister gave you a guide on how to buy insurance for the elderly, but you should collect it: what are the [old people's insurance] and what insurance is good for your parents, you need to know.

Filial piety to parents is human nature, to buy the right insurance for your parents is also normal, then as a financial planner, I do not recommend that you buy insurance frequently, that will only waste your funds, generally to buy insurance for the elderly, there are several aspects that we should pay attention to, the elderly are more suitable to buy health insurance, specific I have a small plan you can refer to:

Clause. 1. You can buy some critical illness insurance, the amount of insurance is about 40,000 yuan, divided into 10 or 20 years, and the annual premium is about 3,000 yuan.

Clause. Second, you can also choose accident medical insurance for your parents, this insurance is pure consumption, and the general annual premium is about 150 yuan.

Clause. Third, there is a universal life insurance, this insurance variety is also good, most of the insurance companies customized the amount of insurance is 20,000 to 40,000 yuan, the payment period is relatively free, the annual premium depends on the ability of the individual, the common range is 2,000, 4,000 yuan.

Clause. 4. At present, commercial health insurance mainly includes critical illness insurance, hospitalization expense reimbursement insurance and hospitalization subsidy insurance. These three types of health insurance coverage have their own different characteristics:

1. Critical illness insurance: With the occurrence of illness as the condition of payment, under normal circumstances, as long as the insured is diagnosed with a certain disease defined in the contract, no matter how much medical expenses are incurred, he can be compensated according to the amount agreed in the insurance contract.

2. Hospitalization expense reimbursement insurance: The hospitalization medical expenses caused by accidents or illnesses are the payment conditions, and the reimbursement is made according to the proportion agreed in the insurance contract. This type of insurance is complementary to social insurance and other commercial insurance, and the claim is paid after the insured is hospitalized, and the insured needs to provide corresponding invoices for expenses.

3. Hospitalization subsidy insurance: This type of insurance is the income protection insurance that the insured is hospitalized due to accident or illness, and the insurance company pays the insurance subsidy according to the standard agreed in the contract, which has nothing to do with social insurance and other commercial medical insurance, and is also paid after the hospitalization. For example, some products stipulate that if the insured is hospitalized due to illness, the insurance company will pay a daily hospitalization premium of 100 yuan for each hospitalization day from the fourth day of each hospitalization.

There are many commercial health insurance for the elderly, such as Versailles Plus Critical Illness Insurance, Darwin No. 7 Critical Illness Insurance, Exclusive e-Life 2022 Edition (Personal Edition) Million Medical Insurance, etc., which are all very good commercial health insurance, which can provide the elderly with more comprehensive personal protection and economic risks caused by transferred diseases.

If you really don't know how to buy insurance, you can also take a look at the following insurance configuration plan before applying for insurance: what is the insurance for the elderly, what insurance is good for your parents, you need to know.

The elderly can buy suitable commercial endowment insurance.

The classification of commercial endowment insurance is roughly as follows: traditional endowment insurance, participating endowment insurance, universal insurance, and investment-linked insurance. Each of these types of insurance has its own characteristics and is suitable for the needs of different groups of people.

Pension insurance: Conservative financial management is less risky.

Traditional pension insurance: Since the predetermined interest rate is determined, how much money you will receive in the future can be known when you apply for insurance, but it is not high in terms of income. This type is suitable for people who have a conservative financial management style and are unwilling to take risks.

Dividend-paying type: more inflation-resistant.

Advantages: Participating pension insurance can increase income for policyholders.

Disadvantages: The participating insurance rate is relatively high, and the dividend is uncertain, which is suitable for people with financial needs. However, it is important to know that the earlier you receive the pension, the higher the rate, and the lower the return on investment for this type of insurance.

Comprehensive insurance: low-income people should not "pay quickly and receive quickly".

Both insurance is a wealth management insurance with higher premiums, especially those with short payment periods and fast reception, with higher rates, which are suitable for people with higher family income levels.

Investment-linked insurance: medium and long-term investment reserve pension.

The advantage of this type of insurance is that when the accident + illness + pension protection is more comprehensive, the policyholder has no worries and can obtain income through the long-term investment of investment-linked insurance. The payment period should be at least 20 years, and when the market risk is large, investors can put funds into a stable channel through the account conversion function of investment-linked insurance, and when the market profit is obvious, they can also transfer back to the aggressive account, and avoid the risk of market fluctuations through long-term investment.

Universal insurance: long-term compound interest income is considerable.

The investment channel of universal insurance is relatively stable. Due to the adoption of compound interest calculation, the income is higher and the withdrawal method is flexible. For the account value of the policy, the policyholder can receive it free of charge to meet the unexpected needs.

At the same time, the payment method is also more flexible, if the policyholder's income is unstable and it is difficult to pay the premium in time, the payment can be temporarily deferred or not paid, and when the income allows, the arrears of the premium will be made up, so that the pension plan will not be easily interrupted.

You can find a wealth management product that suits you according to your personal needs.

Hello! In the case you mentioned, the type of insurance suitable for you should be relatively small, even if you can be covered in terms of age, but in the face of specific health conditions, you may also be required to be truthfully informed, and some cases may require a physical examination.

Generally speaking, the most suitable types of insurance are mainly accident insurance, health and medical insurance and other protection plans, and you can choose a consumption-based comprehensive insurance plan that can guarantee renewal according to your actual situation. For those over 50 years old, you can take a look at the middle-aged care comprehensive medical insurance plan, which uses less insurance premiums to solve the risk protection needs of middle-aged and elderly people such as critical illness risk, accident risk, and health care.

For the specific and suitable type of insurance, you can compare and choose from the insurance company or the specific online insurance platform according to your various circumstances.

There are many and miscellaneous elderly insurance on the market, and it is not so simple to choose the right product"A Collection of Seven Most Suitable Insurance Products for the Elderly".

Birth, old age, sickness and death, no one can avoid it, as can be seen from the curve of the incidence of diseases in the figure below, the older the person, the higher the chance of getting sick.

From a scientific point of view, the best advice for the elderly to configure insurance:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

For 99% of the elderly, medical insurance is the most important medical security, there is no age limit, and there are no health requirements, especially for the elderly who cannot purchase other commercial insurance, medical insurance is a lifesaver.

2.Medical insurance

The elderly are at high risk, such as diabetes, hypertension, rheumatoid arthritis, cancer and other diseases with high incidence in the elderly.

3.Cancer insurance

The elderly are the most common group of malignant tumors in China. If the elderly have health problems and cannot buy millions of medical insurance, it is recommended to buy a cancer insurance for their parents.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Cancer insurance is much cheaper than major illness insurance, and even if you have three highs, diabetes, rheumatoid and other diseases that are not related to cancer, you can rest assured that you can apply for insurance.

4.Accident insurance

As soon as people reach old age, large and small problems of the body come, osteoporosis, often there will be a fall or something, and the frequency of accidents is too high. Moreover, the elderly have poor recovery ability, and accidental injuries are long-term, requiring long-term medical expenses.

Configuring an accident insurance for the elderly can solve these problems well. Accident insurance is generally available up to the age of 65, with lower health requirements and lower premiums. Anyone who has bought insurance should know that it is very difficult to choose the right accident insurance product, so you might as well take a look at the information I have collated, which I have carefully selected:

"Accident insurance products worth buying in 2020".

For the elderly, you can do national social security, pension and medical insurance.

At present, the commercial is mainly the one-year accident insurance for the elderly·· Commercial medical care, your age is too old and inappropriate, the cost is high (more than ordinary people), there are more exclusion clauses, you may pay less or no compensation, and this kind of insurance generally pays once, and the second year will not let you go... The payout is also small and simply not worth it.

And commercial medical care is not what you want to reimburse for outpatient and surgical procedures... The terms of the payout are very harsh... I advise you to dismiss this thought, otherwise you will regret it.

Commercial insurance companies are financial institutions, not charities. Only when there is a profit can there be an insurance product. If you are over 50 years old, the risk is too high, and you will basically lose money.

The role of insurance is to compensate for financial losses, but it is necessary to prepare for things when you are fine, and prepare for old age when you are young. Even if it is social security medical care, it can only be used after 15 years of retirement.

Generally, commercial hospitalization medical insurance over the age of 50 is denied, and the policy can be renewed until the age of 65 if you buy it before the age of 50. Outpatient treatment can only be reimbursed for accidental medical treatment, and there are restrictions on outpatient expenses and social security medical insurance, with a minimum payment line, reimbursement ratio, and insurance ceiling.

If you want to buy commercial insurance over 50 years old, you generally need to pass the medical examination. Critical illnesses over the age of 55 cannot be purchased. Only life insurance can be underwritten after passing the medical examination. And the premium is very expensive. You can't buy anything after the age of 65.

Yes, all commercial medical insurance can only be reimbursed for hospitalization, that is, to hang the bed number, Ping An Ankang --- people aged 18 to 80 can be insured, but those over 45 years old need to have a physical examination.

For the elderly over 50 years old, I know that Fushou Ankang lifelong critical illness insurance requires a physical examination.

Kangyue Medical, millions of medical insurance.

Hello! It is recommended to buy a medical insurance product with heavy protection for the elderly, and look at this "elderly care" health care series products, its advantages:

1.The increased protection of critical illness, accident sales, medical treatment, and hospitalization allowance has filled the "vacuum" in the insurance market for the elderly.

2.The coverage period is long, with the accident benefit renewed up to the age of 80 and the critical illness benefit renewed up to the age of 75.

3.Coverage for sudden death.

4.Accidents and critical illnesses can be freely matched to meet the individual needs of the elderly.

5.Heavy medical care. In real life, healthcare accounts for a large part of the daily expenses of the elderly, and according to surveys, general healthcare accounts for about 40% of monthly expenditures.

For the elderly in their later life, heavy protection and light investment are their first choice, and medical health insurance is undoubtedly the best choice.

6.No medical examination is required. Generally, the elderly need a physical examination to apply for insurance, and this product is not used before the jujube accompaniment. And the insurance is simple, you can apply for insurance directly.

The elderly take Shenma for the elderly.

How do you live your old age? Elderly insurance to escort.

The first health insurance for the elderly in China has quietly "come out".

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