Is there a type of insurance suitable for 70 years old?

Hello! For the elderly over 70 years old, first of all, you can enroll them in social security medical care, NCMS or urban resident medical insurance. Then, you can buy some short-term accident insurance for them to cover accidental medical treatment, and some also cover broken bones.

Medical insurance, commercial medical insurance, accident insurance, and cancer insurance are more suitable for people aged 70 to buy. Here are ten types of insurance suitable for the elderly, and those who need it can be directly selected from them: ten insurance points that are super suitable for the elderly to buy!

Medical insurance does not have too many requirements for age and health, and the elderly can basically handle it. It is the most important basic medical security for the elderly, which can solve the basic medical expenses of the elderly such as medical treatment, hospitalization, and medicine expenses.

Commercial medical insurance has age and health restrictions, usually requires the maximum age of insurance not to exceed 60 years old, the insured needs to be informed, many elderly people can not be insured because of health problems. However, there are also some commercial medical insurance on the market that can be insured by 70-year-olds, and the health notice of some products is more relaxed, so it is recommended that the elderly buy it, compare different products, and choose products that can meet the insurance conditions.

The elderly have declining physical functions, inconvenient mobility, and are prone to accidents, so you can consider buying accident insurance, some accident insurance has a very high maximum insurance age, 70-year-old people also have the opportunity to insure, and the health requirements are not high, the premium is usually very cheap, and it is easier for the elderly to configure an accident insurance.

If you really can't find the right medical insurance for the 70-year-old, you can buy cancer medical insurance, cancer insurance only takes cancer as the compensation standard, and the most malignant tumors in China are the elderly, and buying cancer insurance can transfer the economic risk caused by cancer. And the ** of cancer insurance is also very cheap, even if you have three highs, diabetes, rheumatoid, etc., there is a high probability that you can successfully insure. You can learn more about what cancer insurance is:

What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation.

Hello! Parents over the age of 70 who are in average physical condition can consider configuring accident insurance.

Cancer prevention medical insurance, Huimin Insurance.

Finally, if you have any problems when buying insurance for your parents, or don't know which product to buy for your parents, you can click to make an appointment for [1-to-1 Insurance Planning Service].

Navy Paula. An attentive insurance broker will provide you with professional advice.

1. Accident insurance.

The elderly over 70 years old, the elderly, the legs and feet are not as flexible as before, and the accident insurance can reimburse falls and fractures.

and other medical expenses caused by accidents.

2. Cancer prevention medical insurance.

The insurance is very lenient and has high blood pressure.

It can also be bought, and it can be reimbursed for expensive cancer.

For medical expenses, it is recommended to give priority to products that guarantee long-term stability, such as being able to renew the insurance for a lifetime.

3. Huimin Insurance.

It can be used as a supplement to medical insurance to reimburse medical expenses. Some products have no health and age requirements and are suitable for parents who are not in good health.

In general, although it will be more difficult to buy insurance for the elderly over 70 years old, as long as you find the right methods and ideas, pay attention to your age, health status, etc., it is not difficult.

70-year-olds are suitable for accident insurance, million medical insurance, and cancer insurance.

1. Accident insurance: Osteoporosis for the elderly, plus the elderly often live alone, and they may not be found in time if they fall.

2. Million medical insurance: If you are in good health, your age is in or the only difference is that your parents are already 60 years old, and you can't buy millions of medical insurance, and the general medical insurance is purchased before the age of 60.

3. Cancer insurance: If the elderly are not in good health and have chronic diseases, it is not possible to buy medical insurance, so you can consider cancer prevention insurance and cancer prevention medical insurance.

4. Others: If you are too old, 80 years old, or have a great physical illness, and any commercial medical insurance and cancer prevention insurance do not meet the requirements, you can consider Huimin Insurance.

Restrictions on the elderly to be insured.

Buying insurance is an application mechanism, not that you can buy it if you have money, insurance is like a mutual aid community, everyone in the community is equal, pay premiums every year, and whoever has an accident will help whom. However, if there are people with a high probability of risk living in this mutual aid community, it is unfair to other residents, so there is a review mechanism before entering the community to ensure that the probability of community residents getting a claim is basically the same, so that it is fair. The insurance company is the auditor, and the most important audit criteria are:

Health conditions. 1.There is an upper age limit, and generally speaking, there are many fewer products that can be selected if you are over 60 years old. If you are over 70 years old, it is basically difficult to have insurance to cover it.

2.There is an upper limit on the sum insured of the product, and it is difficult to buy more.

3.Strict health requirements For example, for people with three highs, there will be restrictions on the purchase of tumors, polyps, cysts, and hepatitis B.

For healthy elderly people (no pre-existing medical history), there are many options for products to buy, the most basic ones are accident insurance, hospitalization medical insurance, and critical illness insurance.

However, due to the high cost of critical illness insurance for the elderly, and the tendency to invert premiums (the total premium paid is higher than the sum insured), we generally recommend choosing a cancer prevention critical illness insurance for the elderly with a lower premium - critical illness insurance that only covers cancer. If the elderly person has cancer, the insurance company will pay a sum of cash.

Solution: Insurance for the healthy elderly = accident insurance + hospitalization medical insurance + cancer prevention and critical illness insurance.

Program introduction: This program can protect the elderly because of accidents caused by injuries medical expenses reimbursement: such as fractures, etc., if the elderly are hospitalized because of accidents or illness, the expenses during hospitalization can be reimbursed through hospitalization medical insurance, including imported drugs, self-financed drugs, etc., if unfortunately suffering from cancer, then the ** expenses during hospitalization can be fully reimbursed, and at the same time, you can get an additional cash compensation of up to 200,000 yuan at a time after diagnosis, which can be used to hire nurses, buy nutritional products, etc.

The 70-year-old is suitable for buying cancer insurance and accident insurance, because the elderly are older and their physical health is not very good, resulting in a very limited number of insurance products for the elderly, and the health notice and insurance threshold of cancer insurance and accident insurance are more friendly to the elderly, so the 70-year-old is more suitable for the above two types of insurance.

What are the insurances for the elderly, and what insurance is good for your parents, you all need to know.

1.Cancer insurance.

Compared with critical illness insurance, although the protection content of cancer insurance is not so comprehensive, only covering the first cost of cancer, but for the elderly, the insurance threshold is not so high, and the maximum insurance age of some cancer insurance products can be relaxed to 70 years old, and even some products can be 80 years old.

Secondly, the health notice of cancer insurance is also relatively relaxed, which is relatively friendly to some people who are insured with diseases, such as three highs, diabetes, coronary heart disease, rheumatism and other diseases, most cancer insurance can be insured.

So what are the insurance suitable for the elderly? Senior sister is here to tell you:

Ten insurance points that are super suitable for the elderly to buy!

2.Accident insurance.

The physical fitness of 70-year-olds is not as good as that of young people, and the probability of accidents will be higher.

Moreover, when we are insuring accident insurance for the elderly, it is best to include accidental medical liability in the product, so that we can reimburse the outpatient and emergency expenses caused by accidents according to a certain percentage, such as accidental falls, burns, cuts, or fractures, brain ** and other accidents.

In addition, the senior sister would like to remind everyone that many accident insurance products do not require the insured to make health notices, so they are more friendly to the 70-year-old.

In 2023, the most worthwhile accident insurance is here.

It is more appropriate to give priority to the protection insurance of cancer insurance, cancer medical insurance and accident insurance.

Cancer insurance mainly provides cancer protection, and health notices are relatively relaxed; Cancer medical insurance can reimburse medical expenses related to cancer; Accident insurance is usually sufficient to provide coverage for accidental death, accidental dismemberment and accidental medical treatment.

What is the most suitable type of insurance for 70-year-olds to buy now?

If you want to buy insurance, but you can't find the right insurance due to your age, poor health and other reasons, in fact, there are not many insurance products for the elderly to choose from.

If there are no special circumstances, the following insurances are more suitable for the elderly

1.Medical insurance

Medical insurance is still quite effective for the elderly, and people are getting older, and there are many physical pains. However, medical insurance will limit the age of the policyholder, if the age of the elderly is over 65 years old, at this time there are very few medical insurance products that can be purchased, and the protection content that meets the conditions is not good enough, it is not worth it, if there is no sufficient budget, it is not recommended.

2.Accident insurance.

Because the physical fitness of the elderly has declined, they do not resist falling, and they are easy to be injured, and the elderly may also collide with passing vehicles because they have no time to react to the traffic lights on the side of the road, resulting in traffic accidents.

In 2021, the most worthwhile accident insurance for the elderly is here

3.Cancer insurance.

Critical illness insurance is not easy to buy at the age of the elderly, and even if there is critical illness insurance that the elderly can buy, the product** is relatively high, and it is not worth it. At this time, you can consider buying a cancer insurance for the elderly, which has no high restrictions on the age and physical condition of the elderly.

The elderly are relatively more likely to suffer from cancer, and the cost of cancer treatment will be relatively expensive, if unfortunately suffering from cancer, then it may cause a certain financial pressure on the family, and you can apply for a compensation to alleviate this pressure if you buy cancer insurance.

What is the [old age insurance] and how to buy it, you need to know these things

[Written at the end].

I am [Xueba Says Insurance], focusing 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! At present, although there is an age limit for insurance in the market, there are still a variety of insurances suitable for the elderly over 70 years old, such as "Fu Shou Ankang" Elderly Accident Protection Plan, "Fu Shou Ankang" Elderly Comprehensive Accident Insurance Plan, etc. Among them, the "Fushou Ankang" Elderly Accident Injury Protection Plan is suitable for the elderly aged 50 to 85 years old, with a protection period of one year and an accident protection of 20,000 yuan; The "Fu Shou Ankang" Comprehensive Accident Insurance Plan for the Elderly is suitable for seniors aged 50 to 85 years old, with a coverage period of one year, providing 50,000 yuan for accidental injury, 5,000 yuan for accidental fracture medical treatment, and 50 yuan for accidental hospitalization subsidy.

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