If my parents already have medical insurance, do I still need to buy critical illness insurance?

Yes, Medicare and Critical Illness Insurance are two different types of insurance.

The role of medical insurance is to reimburse medical expenses and is the basic guarantee. However, not all medical expenses can be reimbursed, and they will be restricted by the minimum payment line, reimbursement ratio, medical insurance catalog and ceiling line, and only part of the medical expenses will be reimbursed. Medicare alone is not enough, it needs to be supplemented with commercial insurance.

Once the diagnosed disease meets the agreed scope and definition of disease, a sum of insurance money can be paid, which can not only be used as a premium, but also make up for the loss of income, that is, the use of funds is not restricted.

What kind of insurance do rural parents need to buy?

1. Hospitalization medical insurance, choose consumer insurance with low deductible.

2. A fully protected accident insurance, specifically including disability, death and hospitalization subsidies. After all, the cost of a few hundred yuan to buy a guarantee, the cost performance is still good.

3. Although the coverage of cancer prevention insurance for common high-incidence cancers is not as good as that of critical illness insurance, it is better than covering the disease insurance with huge costs.

Seeing this, I believe that everyone has a basic understanding of parents buying insurance, and some people may still ask whether to buy endowment insurance for parents, after all, parents are about to face a pension problem, and endowment is an insurance closely related to children. Here I make it clear that I do not recommend it.

Why is it not recommended to buy pension insurance?

This is because endowment insurance is a long-term financial plan, and its selling point is its ability to maintain and increase its value. As a long-term financial product, its pricing interest rate is relatively stable, and there will be no upper limit after the increase of children, most of the parents' ages are concentrated between 50 and 60, which is very close to receiving a pension, and there is not much room for value-added, so it is not recommended to do so.

Before buying critical illness insurance, ask the insurance person**What diseases are included in critical illness insurance? Is the insurance company's critical illness insurance the same as the critical illness insurance diagnosed by the hospital? Ask the insurance person to write it down in writing and go to the stamp. Otherwise there are pits.

Middle-aged and elderly people are often at greater risk of major diseases such as cancer because of their weakened physical resistance.

But heavyIllness insurance has stricter restrictions on age and health notificationGenerally, it is difficult to apply for insurance after the age of 55. Although there are some insurance policies on the market that are up to the age of 60, the premiums are expensive and not cost-effective.

In addition to critical illness insurance, there are many insurances suitable for the elderly, come and take a look:Ten insurance points that are super suitable for the elderly to buy!

Cancer insurance, is specifically protected against cancerThe requirements for age and health information are less stringent than those for major illness insurance, and the premiums are cheaperWhat is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

Accident insuranceBecause of their age, the elderly are prone to accidents such as falls and fractures due to osteoporosis. Accident insurance can cover the injuries caused by these sudden accidents.

Generally speaking, the elderly go out less, configure a withGood medical liability coverageIt is sufficient, and it is best to be able to reimburse 100% of medical expenses or expenses outside social security. Top 10 Accident Insurance Worth Buying

Million Medical InsuranceThere are also restrictions on age and health notifications, so it is recommended to configure as much as possible. Because million medical insurance canReimbursement of major medical expenses for serious illnesses, a few hundred dollars of premiums per year can buy millions of protection, very cost-effective!

Compared with before, our country's medical welfare has been greatly improved, rural villagers have the New Rural Cooperative Medical Insurance, urban residents have urban resident insurance, and enterprise employees have employee insurance, all of which are the benefits of the state to the people. With the continuous development of the economy, the level of medical care has also been greatly improved, in terms of these anti-epidemic, our country's medical level has surpassed many developed countries, of course, medicine has nothing to do with the field, but this is our glory. In recent years, the state has been continuously increasing the reimbursement ratio of NCMS, from the original 50% to 60% and then to about 65% in some areas, which shows that the state has been working hard to provide better protection for everyone.

However, for the average family, this reimbursement ratio is still not enough, many families have an annual income of only tens of thousands of yuan, and they can't afford a critical illness, so if there are conditions, it is still necessary to buy a critical illness insurance.

1. You can buy critical illness insurance supplements. Rural medical insurance has a certain reimbursement ratio, but it cannot be fully reimbursed, so children can purchase a critical illness insurance as supplementary insurance if they have the conditions. Long-term critical illness insurance can be used as endowment insurance if you are not sick, and you can pay a lump sum if you are sick, so there are still many benefits of purchasing critical illness insurance.

2. Critical illness insurance generally has an upper age limit. However, many critical illness insurance companies have an age limit, and the maximum age limit for life insurance of most insurance companies is 60 years old, which means that if you are over 60 years old, you may not be able to buy critical illness insurance. So it also depends on the age of your parents, too old to buy.

3. The premium for purchasing critical illness insurance is higher when you are older. The premium of critical illness insurance also increases with age, you can take this into account, it means that your parents are at least 50 years old or older, at this time, the premium to buy insurance is relatively high, the insurance company also has to make money, and they are also afraid to take risks. For the same sum insured, the difference between the purchase at the age of 30 and the purchase at the age of 50 is more than doubled.

If you are a parent's generation, it may not be cost-effective to buy critical illness insurance over the age of 50, and the premium is expensive and the amount of insurance is low.

If the parents are in good health, they will give priority to buying millions of medical insurance, which can reimburse the ** expenses that cannot be reported by medical insurance. If your parents are sick, you can buy Huimin Insurance in your city, which is very cost-effective.

If you want to buy a critical illness, you can consider a benefit-type cancer insurance, which accounts for more than 70% of the critical illness, ** lower, and the insurance threshold is lower, which is considered a replacement for critical illness and is more suitable for the elderly.

I think this is of course possible, although it is said that there is rural medical insurance in rural areas, but sometimes he actually does not reimburse much, can reach more than 80% because the elderly are prone to major diseases, if it is into this insurance is still good, then you can reimburse some, can reduce the burden on the family,

My parents only have medical insurance in rural areas, and I think it is necessary to buy them a critical illness insurance, because this is actually better for them, because their parents are old, and this is also a treasure for them.

You can buy one, so that you have a double insurance, and you can better solve problems when you encounter them.

You can buy a critical illness insurance for your parents, because sometimes parents are particularly prone to illness when they are old, and buying an insurance policy is also an extra layer of protection.

If the economic conditions allow, of course, it is a very good choice, after all, when you are old, you are also easy to get sick, which is undoubtedly a guarantee for yourself.

Summary. Hello, it's a pleasure to serve you! If you have medical insurance, you also need to purchase critical illness insurance, mainly because the protection of medical insurance is only basic protection for a person, and there are still shortcomings. Critical illness insurance can be a good way to supplement the protection of insufficient medical insurance.

Hope mine helps you and I wish you all the best!

If I buy medical insurance, do I still need to buy critical illness insurance?

Hello, it's a pleasure to serve you! I am fortunate to be a co-teacher with 10 years of career planning and workplace work experience, and I am good at dealing with various work problems, writing and revising resumes, mining advantages, parenting, etc., with a total of more than 1,000 hours of consultation. I've seen your problem, I'm in crazy codewording, please wait.

Hello, it's a pleasure to serve you! If you have medical insurance, you also need to purchase critical illness insurance, mainly because the protection of medical insurance is only basic protection for a person, and there are still shortcomings. Critical illness insurance can be a good way to supplement the protection of insufficient medical insurance. Hope mine helps you and I wish you all the best!

How to buy critical illness plus medical insurance.

Hello, critical illness insurance requires you to consult with domestic insurance companies, such as Ping An, etc., I have no insurance introduction here.

Is the Taikang Critical Illness Insurance I bought reliable?

Hello, Taikang is also a brand and is reliable,

It is very necessary to have medical insurance and buy commercial insurance, but it is not necessary.

The characteristics of medical insurance are: extensive, mandatory, and social. Medical insurance can only be a low level of insurance, can not be fully covered package, medical insurance reimbursement has limitations, there is a starting line, there is a cap line, there is a self-payment part, there is a self-pay part, and the money spent outside the hospital cannot be reimbursed.

The characteristics of commercial insurance are: voluntary, wide coverage, critical illness insurance is now paid on diagnosis, the procedures are simple, the process is simple, the compensation is more, and the compensation is particularly fast, and there is no limit, buy more, insure more.

Critical illness insurance: insurance that specializes in covering critical illnesses, such as cancer, cardiovascular and cerebrovascular diseases, can be paid out after diagnosis. There are also benefits for minor illnesses, and waivers. There is also a critical illness waiver for the policyholder, and one insurance policy can cover two people.

Legal basis] Social Insurance Law of the People's Republic of China

Article 1: This Law is formulated on the basis of the Constitution so as to regulate social insurance relations, to preserve the lawful rights and interests of citizens to participate in social insurance and enjoy social insurance benefits, to enable citizens to share the fruits of development, and to promote social harmony and stability. Article 2: The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to protect citizens' right to receive material assistance from the State and society in accordance with law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth. Article 3: The social insurance system adheres to the principles of wide coverage, basic protection, multi-level, and sustainability, and the level of social insurance shall be commensurate with the level of economic and social development.

Article 4 Employers and individuals within the territory of the People's Republic of China who pay social insurance premiums in accordance with law have the right to inquire about payment records and records of individual rights and interests, and to request social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits in accordance with the law, and have the right to supervise their own units' contributions for them. Article 5: The people at or above the county level shall include social insurance undertakings in their national economic and social development plans.

The state raises social insurance funds through multiple channels. The people at or above the county level shall give necessary financial support to the social insurance undertakings.

The state supports social insurance through preferential tax policies. Article 6 The State shall exercise strict supervision over social insurance.

and the people of provinces, autonomous regions and municipalities directly under the Central Government to establish and improve the supervision and management system of social insurance to ensure the safe and effective operation of social insurance.

The people at or above the county level should take measures to encourage and support all sectors of society to participate in the supervision of social insurance.

First of all, in terms of compensation methods, medical insurance is a reimbursement system, which can only help us solve the problem of ** fee. The critical illness insurance is a payment system, and if you are unfortunately diagnosed with a disease agreed in the contract, you will have the opportunity to get a lump sum of money, and the insurance company is not restricted to the use, which can not only be used as a medical fee, but also to compensate for the loss of income and make up for daily expenses. Therefore, the role that Medicare and Critical Illness Insurance can provide to us is different.

Secondly, medical insurance has limitations in terms of coverage and reimbursement ratio, such as some targeted drugs and anti-cancer drugs in the medical insurance catalog, and medical insurance does not bear pure car rolling. In terms of reimbursement, the part that exceeds the cap line can only be borne by us at our own expense. Therefore, in the face of a serious illness such as cancer, the role that medical insurance can play is limited.

Therefore, medical insurance alone is not enough, and it may not be able to withstand much in the face of strong winds and rains, so we also need to allocate an additional commercial critical illness insurance to supplement.

In addition, if we want to get more adequate personal protection, it is best to rationalize the allocation of medical insurance, accident insurance, and life insurance, so that the risks of illness, accident, and death are fully covered, which can bring comprehensive protection and a full sense of security to us and our families. For those who don't know about the above types of insurance, you may wish to read this article:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance?

Will there be a conflict when making a claim? Hope!