What insurance can you pay for 59, and what insurance can you buy at the age of 59?

59-year-olds can also purchase critical illness insurance, cancer insurance, medical insurance, and accident insurance.

If a 59-year-old person is in good health and has a larger budget, and wants to have more comprehensive protection, then you can choose to buy critical illness insurance, which will cover not only critical illness, but also moderate and mild illness. If you don't know which critical illness insurance is better to choose, you may wish to refer to this list: Top 10 Popular Critical Illness Insurance Points Worth Buying!

If a 59-year-old person has more abnormal health and a smaller budget, then you can choose cancer insurance, which only covers cancer, which will be cheaper, and the health notice is also relatively relaxed.

Medical insurance, on the other hand, is reimbursement of reasonable and necessary medical expenses for hospitalization** if the corresponding conditions are met. 59-year-old people are also a little old, and it is inevitable to get sick, so it is also necessary to configure a medical insurance.

Accident insurance is to protect against accidents, 59-year-old people, the reaction will be reduced, there may be accidental falls, burns and other accidents, so it is also necessary to configure an accident insurance. Specific products can be selected directly from this list: in 2022, the most worthwhile accident insurance is here.

If the 59-year-old is relatively healthy, they can still buy a lot of insurance, such as critical illness insurance, medical insurance, accident insurance, etc., these types of insurance are more focused on personal protection, which can provide more comprehensive protection for the insured.

59 is the age of insurance for many insurance companies, which is actually not cost-effective.

The best age for health insurance is around 25 years old. After that, the annual cost of insurance gradually increases, and when you are 55-60 years old, you don't need to buy health insurance anymore, because the cost of insurance is very high and there are many restrictions;

Pension dividend insurance is best purchased around the age of 30, in the family stability and economic strength is better when for their future pension planning, if you can not buy for your mother, you also need to plan for your retirement pension, and then consider pension when you are old, there is no time.

If you really want to buy, you can find someone with a high upper age limit.

The rest is cancer insurance, a card slip for small accidents, and a big accident can also be paid, but there will be no loss.

There are still some people who can make up for social pension insurance. In addition, social health insurance can be paid. Property insurance in commercial insurance, as well as life insurance in some companies, are all available.

Many people are worried about how to buy insurance when they get older, because the conditions of insurance products have greatly reduced the adaptation rate of the elderly to buy insurance.

In general, it is more appropriate to choose the following types of insurance for the elderly:

1. Medical insurance

In fact, medical insurance is still quite important for the elderly, and the elderly are older, and the frequency of physical diseases is also higher. However, the age requirements of the policyholder can be accepted by Yinqing of medical insurance are higher, if the physical condition of the elderly is still good, and the age is not more than 65 years old, millions of medical insurance is a good choice for the elderly.

If you are over 65 years old, the elderly can buy not too much medical insurance, and the cost performance is relatively low, so it is generally not recommended to buy medical insurance for families with insufficient budgets.

"Top 10 Million Medical Insurance for the Elderly! 》

2. Accident insurance

Some elderly people may be in poor physical condition, physical exhaustion, frequent injuries, the elderly may also be walking on the street because of slow movement, too late to avoid the rear of the faster vehicle and traffic accidents, accident insurance is a good protection for the elderly can choose.

There are many accident insurances, how to choose the elderly? Let's take a look at this first:

"The most worthwhile accident insurance for the elderly in 2021 is here! 》

3. Cancer insurance

We must know that the probability of the elderly buying critical illness insurance is basically not high, and the cost of buying it for a very small number is also high, and the cost performance is relatively low. At this time, cancer insurance is a good choice, because the conditions for cancer insurance are relatively relaxed, allowing the elderly who are old and in average physical condition to buy it. If the elderly are really unfortunate to have cancer, they can apply for a claim after diagnosis to get a compensation, at least they can have money to treat the disease and relieve the economic pressure.

If you are still very confused and don't know how to buy insurance for the elderly, read this article directly:

What is the insurance for the elderly, and what insurance should I buy for my parents! 》

[Written at the end].

I am a student who focuses on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Hello: Yes, you can get a pension when you buy it until you are 60 years old, and you can get a pension if you make up the rest of it at one time.

1. According to Article 16 of the Social Insurance Law of the People's Republic of China, individuals who participate in basic pension insurance and have paid contributions for 15 years when they reach the statutory retirement age shall receive a basic pension on a monthly basis.

Individuals who participate in the basic endowment insurance and have paid contributions for less than 15 years when they reach the statutory retirement age can pay for 15 years and receive the basic pension on a monthly basis; It can also be transferred to the new rural social endowment insurance or urban residents' social endowment insurance, and enjoy the corresponding endowment insurance benefits in accordance with the regulations.

2. According to Article 17 of the Social Insurance Law of the People's Republic of China, if an individual participating in the basic endowment insurance dies due to illness or non-work-related reasons, his surviving family members may receive funeral subsidies and pensions; Those who completely lose their ability to work due to illness or non-work-related disability when they have not reached the statutory retirement age may receive sickness and disability allowance. The required capital is paid from the basic pension insurance**.

Article 14 stipulates that personal accounts shall not be withdrawn in advance, and the interest rate shall not be lower than the interest rate of bank fixed deposits, and interest tax shall be exempted. In the event of the death of an individual, the balance of the personal account may be inherited.

The payment base for flexible employees to participate in the basic endowment insurance is determined according to a certain proportion of the average monthly salary of on-the-job workers in the province in the previous year, and each social security year is different, so it is impossible to calculate how much money to pay in 15 years. From July 2012 to June 2013, the monthly payment base for flexible employees in our city to participate in basic pension insurance can be selected from 50% to 300% of the average monthly salary of on-the-job workers in the province, and the payment ratio is 20%. The minimum monthly payment standard is 1882x20%=RMB, and the maximum is 11289x20%=RMB.

No, not forty-five.