How to buy critical illness insurance at the age of 45 is the most cost effective?

At the age of 45, you can still buy critical illness insurance, but the premium is more expensive, and there will be more restrictions on insurance, and the cost performance is often not high, however, if you want to configure, you need to pay attention to giving priority to buying consumer-based critical illness insurance, and the insured amount is controlled at about 300,000, and the leverage ratio of critical illness insurance is maximized, so that it is the most cost-effective to buy, as follows:

First of all, to protect the body, 45-year-old users can purchase consumer-based critical illness insurance when purchasing critical illness insurance, which mainly protects specific diseases, transfers the risk of serious illness, and achieves the purpose of protecting health;

Secondly, pay attention to the amount insured, 45-year-old users buy critical illness insurance, the choice of the amount of insurance is particularly important, because they are already in middle age, so the choice of the same amount of insurance is more expensive than people in their twenties and thirties, but the amount of insurance is too small to play a role in protection, it is recommended to control the amount of insurance at about 300,000-500,000;

Finally, pay attention to the details of the terms, 45-year-old users must pay attention to the content of the terms when purchasing critical illness insurance, and have a good idea of the exemption clauses, health notices, and protection contents, so as not to affect future claims and services.

Extended Materials. How much does it cost to buy critical illness insurance at 45?

Different companies of critical illness insurance, buy different amounts of insurance, pay ** is not the same, we take 200,000 insurance as an example, let's see how much men and women buy critical illness insurance at the age of 45:

1. Darwin No. 5 Renewed Edition: 15 years for men, 70 years old, 3,900 yuan for women, 3,294 yuan for women, 5,314 yuan for men and 4,656 yuan for women.

2. Super Mario No. 4: 15 years of payment for men, 70 years of age, 4170 yuan for women, 3564 yuan for women, 5686 yuan for men and 4980 yuan for women.

How to buy critical illness insurance at the age of 45 is the most cost-effective

It is recommended to focus on consumption-based critical illness insurance.

When purchasing critical illness insurance at the age of 45, it is recommended to choose a good type of critical illness insurance, focusing on protection, and buying consumer-based critical illness insurance requires less premium pressure for users. People aged 45 can purchase consumer-based critical illness insurance that protects them up to a certain age, mainly to protect the disease, and pass on the risk of serious illness.

Buy the right amount of coverage.

It is very important for a 45-year-old user to choose the sum insured when purchasing critical illness insurance, if the sum insured is small, the purpose of protection will not be achieved, but the premium pressure is too great if the amount of insurance is high. It is recommended that the user should set the insurance amount according to the actual situation, and it is recommended that the insurance amount selected is more than 300,000 yuan.

Choose an insurance product with a relaxed health notice.

The first thing a 45-year-old user has to face when applying for critical illness insurance is a health notice, and we all know that the health notice of many critical illness insurance is very strict, and it is difficult for users to meet the requirements, so they cannot be insured.

Critical illness insurance products for specific illness coverage.

When a 45-year-old user buys critical illness insurance, he can choose a critical illness insurance product that only covers specific diseases, which often covers a shorter period of time, but the premium** is very close to the people, and the pressure on the user's premium is low.

At the age of 45, it is recommended to buy pure insurance or return the premium is the most suitable choice, the pure guarantee type is the risk of serious illness, the cost is low, but the guarantee period is short, there is a sick compensation amount, and all the insurance premiums paid are taken back if you are not sick, which can be used as a supplement to the pension.

There is a little girl in her early 20s who wants to buy a critical illness insurance for her mother, who is already 45 years old. How much is it a year?

1. How to buy critical illness insurance at the age of 45 is the most cost-effective?

Middle-aged belongs to the state of being old and young, the child is not yet independent, and the responsibility on his shoulders is still relatively large, in fact, medical insurance should be the mainstay, if you want to buy critical illness insurance, this is the most cost-effective:

1. Fixed-term critical illness insurance: The main incidence of critical illness is about 40-70 years old, you can buy a 30-year fixed-term critical illness insurance, which can cover the high-incidence critical illness age group, and choose the longest payment period, which is more cost-effective;

2. Choose critical illness insurance that is beneficial to older policyholders: such as Huaxia Life's critical illness insurance, Huaxia Fu, Huaxia Evergain, etc., regardless of death or the first occurrence of critical illness, will be greater in premium, sum insured, and cash value, then the insurance at this age is likely to be upside down, such compensation conditions, ensure that the principal is there, and the cost performance is also very high.

2. How much does it cost to buy critical illness insurance at the age of 45?

Different companies of critical illness insurance, buy different amounts of insurance, pay ** is not the same, we take 200,000 insurance as an example, let's see how much men and women buy critical illness insurance at the age of 45:

1. Darwin No. 5 Renewed Edition: 15 years for men, 70 years old, 3,900 yuan for women, 3,294 yuan for women, 5,314 yuan for men and 4,656 yuan for women.

2. Super Mario No. 4: 15 years of payment for men, 70 years of age, 4170 yuan for women, 3564 yuan for women, 5686 yuan for men and 4980 yuan for women.

When applying for critical illness insurance at the age of 45, it is recommended to choose consumption-based critical illness insurance, and it is not recommended to choose return-based critical illness insurance. In comparison, consumer-based critical illness insurance will have lower premiums and better protection against illness, which can effectively transfer the risk of critical illness to individuals and families.

The sum insured should be sufficient, and it is recommended to choose a product with a high payout ratio for critical illness of a specific age We often say that buying critical illness insurance is buying the sum insured, if the sum insured is insufficient, the effect of protection will not be achieved, but if the sum insured is too high, the pressure to pay the annual premium will be great. Therefore, you can choose the basic sum insured of 300,000-500,000 according to your actual situation.

If you have health problems, it is recommended to choose products with loose health notices People who are 45 years old will have some minor physical problems, but these minor problems are likely to directly affect the results of insurance.

Critical illness insurance for age 45.

It is cost-effective to buy in this way: medical insurance should be the mainstay, and if you want to buy critical illness insurance, it is the most cost-effective to buy in this way

1. Fixed-term critical illness insurance: The main incidence of critical illness is about 40-70 years old, you can buy a 30-year fixed-term critical illness insurance, which can cover the high-incidence critical illness age group, and choose the longest payment period, which is more cost-effective;

2. Choose critical illness insurance that is beneficial to the elderly policyholders: whether it is death or the first occurrence of critical illness, the premium, sum insured, and cash value will be determined.

If the eldest is taken, then the insurance at this age is likely to be upside down, and such compensation conditions ensure that the principal is all there, and the cost performance is also very high.

2. Why don't you buy critical illness insurance at the age of 45?

1. The premium is expensive and not cost-effective.

Insurance premiums are set by actuaries according to the probability of insurance, and 45 years old is already considered a higher age, and physical function declines, which means that the risk of illness will be higher, and the corresponding premiums will also increase.

Therefore, when choosing to purchase critical illness insurance, there may be a situation where the insurance premium is not much different from the sum insured, and even the premium is inverted if the premium is higher than the sum insured, and the leverage of insurance is low, which is very cost-effective.

2. Limit on the amount of insurance insured.

Age is indeed a big limit to buy insurance, too old, the amount of insurance will also have a certain limit, can not buy a more appropriate amount of insurance.

Moreover, there may be restrictions on the payment period, so that the insurance with a low amount of insurance and a high payment will make little sense for consumers to buy.

3. Strict health notification and underwriting.

Health notification means that the insurance company should understand the physical state of the insured, so as to judge the probability of insurance.

The older you are, the greater the chance of physical illness, such as chronic diseases: high blood pressure, diabetes, etc., which will be asked to be informed when purchasing critical illness insurance.

Therefore, the underwriting of older people will be stricter, and it may be more difficult to pass the health notification part.

3. Recommended insurance types suitable for 45-year-olds!

1. Accident insurance.

Accident insurance mainly protects accidental death, accidental disability and accidental medical treatment, and the health notice is relaxed and the premium is cheap, with a sum insured of one million, only a few hundred yuan a year.

Because at the age of 45, we are all constantly running around to support our family life, and the chance of accidents will be higher; At this stage, the body's function is gradually declining, and the ability to resist accidents will also be reduced, such as accidental falls may cause accidental medical expenses caused by fractures.

Therefore, it is necessary to prioritize the allocation of accident insurance.

2. Cancer prevention insurance.

Cancer insurance is also a type of insurance with relatively relaxed health notices, which mainly covers malignant tumors in critical illnesses. For chronic diseases, the requirements of the three-high group are not so much.

Because it is not cost-effective to buy critical illness insurance when we are too old, and the health notice is strict, we can take a step back and choose cancer insurance to protect some high-incidence diseases.

3. Medical insurance.

As an effective supplement to medical insurance, medical insurance can better protect general and inpatient medical treatment when you are sick, so it is also necessary to choose medical insurance at the age of 45.

4. Term life insurance.

Term life insurance is a pure protection product, which mainly covers death and total disability.

At the age of 45, I believe that most people are still the breadwinners of the family, in case of unfortunate death at this time, it is a very heavy blow to parents, wives and children, so it is necessary to configure a life insurance.

This is a continuation of love, and an insurance payment can be paid after the unfortunate death to protect the family's financial situation and resist the family's financial risks to the greatest extent.

Generally speaking, term life insurance coverage until the age of 60 or so is sufficient, because most people retire after the age of 60 and do not bear the financial responsibility of the family.

It's the best deal to buy now.

This is not the main problem, the main question is whether the 45-year-old can still buy critical illness insurance, and whether the insurance company's health inquiry can be approved. That's the main problem. Otherwise, if you buy it, you will buy it for nothing, because there is a high probability that you will not be able to settle the claim.

How to buy critical illness insurance at the age of 45 is the most cost-effective, which needs to be considered in combination with product protection, policy age, beware of "premium inversion" and other aspects.

Buying critical illness insurance depends on whether the product is fully protected and whether you are within the insured age range of the product. In addition, we must also pay attention to the cost-effective problem of the product to prevent the occurrence of "premium inversion". People aged 45 should pay attention to the following places when buying critical illness insurance:

1) Product protection: The most important thing to buy critical illness insurance is to look at the protection content of the product itself, the more comprehensive the protection content, the greater the chance that it can help you transfer the risk of critical illness in the future. Therefore, it is important to give preference to those products that are fully guaranteed.

2) Insurance age: On the issue of critical illness insurance, 45 years old has actually reached an "embarrassing" age, because the maximum insurance age of a small number of products is 45 years old, so you should pay attention to whether you are within the insurance scope specified in the product.

3) Beware of "premium inversion": The so-called "premium inversion" means that the premium paid is greater than the sum insured, so isn't it equivalent to insuring a lonely? Therefore, it is recommended that you do a good calculation when allocating the sum insured premium to see if it is worth it. Preference is given to cost-effective products.

2. Taking Versailles No. 1, a very popular critical illness insurance, as an example, a 45-year-old man with an insurance amount of 300,000 yuan to the age of 70 and additional moderate and mild illness protection, the annual premium is 6,960 yuan (paid in 20 years), which is still very cost-effective. In addition, the coverage of this Versailles No. 1 Critical Illness Insurance is really excellent. Its critical illness compensation is very strong, and it can pay up to 180% of the sum insured, that is, you can get 540,000 insurance when you configure an insured amount of 300,000.

This product can also provide extended insurance benefit liability for malignant tumors (severe), which can pay up to 3 times for severe malignant tumors, providing more comprehensive protection.

Extended Information:1Critical illness insurance refers to the commercial insurance behavior of the insurance company that deals with specific critical diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., and when the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent.

According to whether the premium is refunded, it can be divided into consumption-based critical illness insurance and return-oriented critical illness insurance.

45 years old belongs to the state of the old, the young, the child is not independent, the responsibility on the shoulders is still relatively large, in fact, should be based on medical insurance, if you want to buy critical illness insurance, this is the most cost-effective:

1. Fixed-term critical illness insurance: The main incidence of critical illness is about 40-70 years old, you can buy a 30-year fixed-term critical illness insurance, which can cover the high-incidence critical illness age group, and choose the longest payment period, which is more cost-effective;

2. Choose critical illness insurance that is beneficial to older policyholders: such as Huaxia Life's critical illness insurance, Huaxia Fu, Huaxia Evergain, etc., regardless of death or the first occurrence of critical illness, will be greater in premium, sum insured, and cash value, then the insurance at this age is likely to be upside down, such compensation conditions, ensure that the principal is there, and the cost performance is also very high.

Extended Information: Precautions for Purchasing Insurance:

1. Guarantee first, then manage money.

When applying for insurance, priority should be given to protection insurance. Protection insurance is the insured, can really help everyone to resist the risk of illness and accidents faced by the family, once the risk occurs, hundreds to thousands of dollars of premiums, may get hundreds of thousands of compensation. Protection insurance has no investment income, is usually a consumer product, and if the risk does not occur, it will not bring income to the policyholder.

After the protection insurance configuration is perfect, if you still have a budget, you can consider wealth management products.

2. Adults first, then children.

When buying insurance, families must do so that adults come first, and children second. The breadwinner of the family, who contributes the most to the family's economy, should be given priority in purchasing insurance. After all, parents are the biggest "insurance" for their children.

However, in real life, many parents spend too much budget on their children out of love and concern for their children, such as accident insurance, medical insurance, critical illness insurance, education funds, etc., but they didn't expect that they were actually "running naked". If the parents unfortunately have an accident, not only will the child's follow-up premiums be unsustainable, but the child's future life and education will also be greatly affected. However, if the child is in danger, the family's financial situation will not be greatly affected, so it is irrational to spend most of the insurance budget on the child.

3. Plan first, then product.

Many people buy insurance is disorganized, think of what to buy, insurance products are thousands, complex, everyone who sells insurance is saying that their products are good, what others recommend to buy, this kind of practice without planning is very undesirable, should be done for themselves before insurance for their families to do a good job of insurance demand analysis and planning. Consider the budget, the security you need, and more. Plan well in advance so that you don't spend money in vain and don't get better protection.

Buying insurance, not talking about needs, not talking about combination plans, and directly recommending products are hooligans! According to the comprehensive protection plan, and then choose a specific insurance product, is the correct way to apply for insurance.

4. The terms of the contract should be read clearly.

Generally, the insurance contract is drawn up by the insurance company, and the insurer has no right to change it. The insurance contract is the only reference document for us when making a claim, and it is also the only evidence to protect our legitimate rights and interests, so it is very necessary to read the terms of the insurance contract clearly.