I m still a student, and I want to buy a critical illness insurance for each of my parents, how much

A very filial child, very aware of insurance investment.

Buying critical illness insurance is a little more expensive, 51-year-old men, if you pay for three years, it will cost 358 yuan a year: women who are 45 years old, pay 386 yuan for three years and pay for a year. Each benefit is 10,000 yuan!

If you want to buy, I can introduce an insurance plan to you, when buying critical illness insurance, it is recommended to buy an accident insurance of about 400,000 yuan, accident insurance is very cheap (one or two hundred yuan a year, etc.), and it is also worth buying for your own family protection.

If young people want to buy insurance for their children, it is recommended to buy participating insurance, and the sooner you buy it, the better. After about 30 years of purchase, you can generally repay the principal, and the benefits to you will become greater and greater, your money in the insurance company will become more and more, and the sum insured will increase year by year without you having to pay for it.

If you invest a sum of money into it, after 50 years, your money will become more than two or three times the money, buying dividend insurance is quite ideal for people who are interested in insurance investment, and even, buying an insurance can earn 5 times higher interest dividends than the bank, as well as protect their children, so that your children do not have to worry too much about unpredictable events (risks) for a lifetime. Because you've bought protection for your child.

I'm an insurance financial advisor, and I'm a newcomer to the industry.

Before entering the industry, I went to learn about the insurance plans of the three major insurance companies, each with its own advantages. In the end, I chose the company with life insurance as the central point, because I think life insurance is more worthy of our care, and we need to work hard to enlighten!

What age are your parents, if it is 40 years old, the insurance amount is 100,000 yuan, a person needs about 4,000 yuan, the older the critical illness insurance, the more money you pay, if it is about 25 years old, the insurance amount of 200,000 only needs to pay 3,500.

To be honest, it is too late to buy pension insurance at this age, because life insurance is based on age to calculate the premium, 45 years old is better, buy insurance is based on your own ability to pay the premium, pay 1,000 yuan per year or pay 100,000 yuan per year, the insurance amount is different, the premium is different.

It's a bit old and it's not cost-effective to buy a critical illness, so it's better to save the money yourself.

Buy critical illness insurance for yourself. It's quite cost-effective to buy before the age of 30.

Your father's age is not suitable, and you need to do a family analysis!

If you buy it late, your dad will be denied insurance! Plan ahead!

It takes about a few thousand yuan to buy a critical illness insurance, and the products of different companies are different, so we also have to look at the product.

What products are worth buying for critical illness insurance? It's all here for the monthly list of critical illness insurance: compared with the 186 critical illnesses on the whole network, which ones are worth buying?

Here are a few examples:

Children of the age of children: 1) Take the health and happiness children's critical illness insurance as an example, buy 500,000 yuan of insurance, choose to protect for 30 years, the premium is paid in 20 years, and 750 yuan is required per year.

2) Take Bumblebee No. 5 as an example, buy 500,000 sum insured, choose to protect for life, the premium is paid in 30 years, and you need 2,465 yuan per year.

Adults:

1) Take Darwin No. 5 Glory Edition as an example, buy 500,000 insurance amounts, choose to insure until the age of 70, and pay the premium in 30 years, men need 3,970 yuan per year, and women need 3,540 yuan.

2) Take Super Mario 5 as an example, buy 500,000 sum insured, choose to protect for life, the premium is paid in 30 years, men need 5,430 yuan per year, and women need 5,050 yuan.

In general, there are many factors that affect critical illness insurance**, the most important ones are: coverage period, coverage age, type of insurance, insurance company, etc.

In other words, lifelong critical illness insurance is more expensive than term critical illness insurance, multiple claims critical illness insurance is more expensive than single claim critical illness insurance, older people are more expensive than younger people, and offline well-known insurance companies are more expensive than online products.

If you still have questions about critical illness insurance, you can pay attention to Concentration Insurance, 1-to-1 free consultation, adhering to a professional, objective and neutral attitude, to choose more cost-effective products for you, so that buying insurance becomes an easy task!

Critical illness insurance, to put it simply, is a critical illness. Generally, the cost of critical illness is relatively high, and the financial burden is also heavy. Critical illness medical insurance can alleviate these burdens and cover the cost of medical care, but it is also important to pay attention to the purchase of individual medical insurance.

To buy serious illness medical insurance, you must first understand the cost of suffering from the disease now. At present, the cost of serious illness is as little as 50,000 or 60,000 yuan, and as much as 100,000 yuan, and all the purchases of critical illness insurance are best between 150,000 yuan and 200,000 yuan, so as to ensure the medical protection after the illness. Of course, consumers can also appropriately adjust the insurance amount for critical illnesses according to the physical examination of families and individuals, so that they don't have to care about how much they pay for critical illness medical insurance a year.

If the family is in good health after a few years, you can appropriately reduce a certain amount of premiums.

At present, there are generally two types of critical illness insurance, one is the main insurance and the other is the additional insurance. According to a staff member of an insurance company, the cost of these two types of insurance purchase and the meaning of protection are similar.

Buy medical insurance, or buy long-term. Although many one-year insurance** are relatively cheap, the content of the protection is very monotonous, and it is impossible to have a major illness in the first year of insurance. Therefore, the subsequent premiums of long-term critical illness insurance are levied according to the rate of the first year, and the annual premiums are similar.

The younger this type of insurance is, the lower the premium. In the event of a critical illness, the insurance company will make a claim, even if you are old. As long as the relevant insurance is purchased, if the policyholder is still healthy during the insurance period, the insurance company will return the principal collected before.

Therefore, it no longer matters how much money you pay for critical illness medical insurance a year.

If you pay the insurance fee at once, many insurance companies have discounts, but for critical illness insurance, the author recommends that you still pay annually. Although the total amount paid to the insurance company is a little higher, the cost of each payment is smaller, and the financial burden on the family is reduced. Many insurance companies will have a premium waiver policy, if a critical illness occurs during the payment period, the prescribed premium can be exempted from the day of payment, and the insurance contract continues to be valid.

In short, after understanding how much money is paid for critical illness medical insurance a year, it is also necessary to understand how to pay insurance.

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

First of all, we don't know how old your parents are, the specific cost is related to the age and health of the insured, and it is also related to the coverage content of the insurance product. Let's say your father is 45 years old and insured Apollo.

No. 2 Multiple Critical Illness Insurance.

The insurance amount is 300,000 yuan, the payment is 15 years, the insurance is lifelong, and there is no optional liability insurance, then the annual premium you should pay is 8,805 yuan, and the premium will be different depending on the content of the insurance. The content of the product is also very important, so what kind of disease should you choose? It is recommended to read this article to understand:

What illnesses are covered by critical illness insurance? If you don't know these, don't buy them randomly!

If your parents are over 60 years old, it is not advisable for people in this age group to purchase critical illness insurance. Critical illness insurance for this age group is often very expensive, and the insurance conditions are relatively strict, and even if it is insured, there may be a situation where it cannot be claimed. It is better to choose cancer insurance, although the protection is single, but the premium is low, and the insurance conditions are also relaxed.

Moreover, the higher the age, the higher the chance of cancer, which can effectively protect the health of the elderly. For cancer insurance, see this article for details: What is cancer insurance, how to buy, which is good, comprehensive analysis, comparative evaluation.

In addition, before buying insurance, you should also pay attention to some basic knowledge of insurance, many small partners because they do not understand insurance knowledge, resulting in buying the wrong insurance, the insurance bought back is not suitable for themselves, both waste of money and do not get sufficient protection. Therefore, you must understand these points before buying insurance: before buying insurance, you must first understand these key knowledge points!

There is no specific figure on how much you have to pay for critical illness insurance for your parents in a year, because the premium of critical illness insurance is related to factors such as the coverage liability chosen, the age of the insured, and so on. Take a 42-year-old man who insures Versailles Plus critical illness insurance as an example, choose the death option 2, buy 200,000 sum insured, protect for life, pay the premium in 20 years, no optional liability, and need 7,780 yuan per year.

If you are very interested in Versailles Plus Critical Illness Insurance, this review article should be collected quickly: Versailles Plus Critical Illness Insurance is back, and the in-depth evaluation must be read before buying!

Hello, the rate of a suitable critical illness insurance is related to the actual age of your parents, physical health, specific insurance types and other factors, there is no unanimous answer to your question, it is recommended that you still combine the actual situation of your parents to the insurance company or a special insurance platform to ask, here is a reference link for you.

How much does critical illness insurance cost a year).

Now when it comes to insurance, the first thing that comes to mind is that the cost is very high, but in fact, this view is not quite correct!

In recent years, critical illness insurance has been updated once every three months on average, and the cost is inflated, the actual protection is not good, and the elimination rate is very high. So,Nowadays, the form of critical illness insurance is becoming more and more perfect, but the premium is not rising but falling. For example, these are all good-priced products this year"Top 10 Cheap and Good Price Critical Illness Insurance!

In order to have a specific understanding of the premium, let's take 500,000 sum insured and lifetime insurance as the calculation standard to understand how the cost of popular critical illness insurance has changed in recent years

2018 Fosun United Recreation Life C paragraph:This critical illness insurance is mainly to protect critical illness and mild illness, which is not expensive, ** more than 1,900 yuan a year;

2019 Centennial Life Comvibo Ultimate Edition:This product can be said to be a benchmark product for cost-effective critical illness insurance, which not only has critical illness and mild illness protection, but also moderate illness protection, not only critical illness and mild illness protection, but also moderate illness protection;

2020 Guofu Life Jiahebao:The critical illness insurance mentioned above, mild illness and moderate illness are available, and the first 15 years and diagnosed before the age of 51 can also pay an additional 50% of the basic sum insured, and the compensation amount for mild and moderate illness is as high as 60% of the basic sum insured, this level of compensation is top-notch in the same product, and the insurance premium is more than 1,700 yuan a year.

From these three products, we can also see that the development of the insurance industry has been very rapid over the years, and it is more consumer-oriented in terms of protection and quality. And just look at the premiumBasically, it only costs more than 1,000 yuan a year, and the average family can afford itWe can all consider using this money to buy a protection to resist the risk and try to avoid the occurrence of a serious illness that we cannot treat.

In fact, the following critical illness insurance is also quite well-known, and I have already calculated their premiums, as shown in the figure below

"After seeing this shortcoming, I don't want to buy [Kang Hui Bao".

How about Hengqin Life Discount? Comprehensive evaluation, in-depth analysis! 》

"Super Mario 2020max, which was blown up by netizens, still has these flaws.

Insurance is good, as long as you buy the right insurance for yourself is the best protection.

At this age, it is no longer suitable to apply for critical illness insurance.

Personal recommendation: Ping An e-life insurance: solve the problem of medical expenses;

Ping An Thanksgiving (Exclusive Cancer Insurance for the Elderly);

Ping An filial piety card solves the problem of accident insurance for the elderly.

If you have any questions, you can send a private message.

Critical illness insurance is a critical illness that covers you if you unfortunately suffer from a critical illness and meet the requirements of the insurance contract. Accident insurance can transfer the financial risk caused by an accident.

Which one is better depends on what the protection needs of the insured are. However, the senior sister suggested that you can buy critical illness insurance, cancer insurance, accident insurance and medical insurance for your parents.

If your parents are older, it is not recommended to buy critical illness insurance, because buying critical illness insurance may cause the risk of premium inversion when you are too old, so that the economic risk caused by critical illness cannot be well transferred.

You can consider buying cancer insurance for your parents, cancer insurance is to protect cancer, parents are at this age is a high-incidence group of cancer, buy cancer insurance, when unfortunately suffer from cancer and meet the provisions of the insurance contract, you can get compensation.

Moreover, the health notice of cancer prevention insurance is relaxed, and the premium is generally cheaper, which is very friendly to middle-aged and elderly people.

For those who are not sure about cancer insurance, please take a look here:What is cancer insurance, how to buy it, which one is good, comprehensive analysis, comparative evaluation

As parents get older, many things become inadequate, and the probability of accidents increases, so you need to buy accident insurance to transfer the financial risks caused by accidents.

In addition, medical insurance is a register that can reimburse reasonable medical expenses incurred in seeing a doctor. Middle-aged and elderly people have declining physical functions and often need to see a doctor, so it is very practical to buy medical insurance.

Here are some good medical insurance, you can check out the little ones in need:The top 10 million medical insurance rankings are newly released!

Finally, the senior sister advised, buying insurance involves a lot of our own interests, no matter what insurance you need to carefully check the insurance contract before buying, this article tells you how to look at the insurance contract:Teach you to distinguish the state shouting about those pits in the insurance contract! Hope.