Do you have any good recommendations for insurance for people over 60 years old?

Buying insurance for the elderly is not the same as buying insurance for young people, and the following tips should be mastered when choosing: First, the probability of accidental injury for the elderly is higher than that of other age groups, so the elderly should take accident insurance as the first choice for insurance. Accident insurance has the characteristics of low premiums and high protection, and under normal circumstances, the elderly do not need to pay more premiums when they buy accident insurance before the age of 70, and the protection is the same.

Medical insurance is necessary from the perspective of demand, but the premium is relatively expensive, and even inverted, that is, the cumulative premium will eventually exceed the insured amount, and most of the elderly need to have a physical examination to buy this type of insurance. Cancer insurance can be considered! Ping An's Anti-Cancer Guardian Medical Insurance is one of the good products, which breaks the age limit and breaks through the regret that the first year of insurance and the second year cannot be repurchased.

I wanted to buy insurance for my parents for a long time, and my friend recommended me to buy MetLife, and I felt that his family has several accident insurances that are indeed very suitable for the elderly, the protection is quite complete, and the premium is also very low, so I feel that it is worth buying.

You can go to the insurance company and ask.

In the insurance market, the types of elderly insurance are also colorful, and those who have bought know how difficult it is to choose a suitable product! Here is an insurance ** point suitable for the elderly to buy,"The Seven Most Important Insurance Products for the Elderly to Buy in 2020".

As can be seen from the curve of the incidence of diseases in the figure below, the probability of disease will continue to increase as we age.

To get back to the point, the elderly should be equipped with these types of insurance:Medical insurance + medical insurance + cancer insurance + accident insurance.

1.Medicare

Medical insurance is the country's livelihood welfare, for 99% of the elderly is also the most important medical security, in the age and health of the requirements are not restricted, especially for the elderly who can not be insured by other commercial insurance, the role of medical insurance is very obvious.

2.Medical insurance

The elderly are at high risk of disease, and common geriatric diseases such as diabetes, hypertension, cancer, etc., all require long-term medication**, so they will also increase the medical burden of the family.

Million medical insurance can reimburse hospitalization and other related medical expenses, whether it is outpatient, surgery or hospitalization expenses, the part of more than 10,000 can be 100% reimbursed, and if it is a major disease such as cancer, it can be reimbursed with 0 deductible. As a supplement to medical insurance, medical insurance can minimize the financial losses caused by family concealment. For the convenience of everyone, here is a list of the latest million medical insurance rankings, and friends in need can collect it by themselvesFreshly baked!

Top 10 [Worth Buying] Million Medical Insurance".

3.Cancer insurance

In China, the elderly belong to the group with the highest incidence of malignant tumors. If the elderly have health problems and cannot buy millions of medical insurance, it is very necessary to start a cancer insurance at this time.

Cancer insurance is a simplified version of the Million Dollar Medical Insurance that only pays for cancer. Cancer insurance is really much cheaper than heavy illness insurance, and I want to boast that you can take out insurance with illness, which refers to diseases that are not related to cancer, such as three highs, diabetes, and rheumatoid.

4.Accident insurance

When people reach old age, their physical health is not as good as before, osteoporosis, and they are prone to fall and fall if they are not careful, and the frequency of accidents is high. Moreover, the recovery ability of the elderly will be much worse, and the time of accidental injury will be relatively long, requiring long-term medical expenses.

In order to solve these problems, it is very necessary to configure an accident insurance for the elderly. Accident insurance is generally available up to the age of 65, with low premiums and low health requirements. But it is not so easy to choose a good accident insurance product, and I am ready to do so, so I look at this information directly:

"2020 Accident Insurance [Cost-effective] Product Inventory".Hope!

60-year-old people are also afraid of wrestling, old arms and legs, falling is a big problem, not so easy to get better.

Whether it is an accident or an illness, the most worrying thing is the medical expenses, so two types of insurance are indispensable, accident insurance and medical insurance.

Some 60-year-olds are quite rich, spend less, and are reluctant to spend, and always want to leave it to future generations, so whole life insurance is also a good choice.

In short, it is recommended to buy accident insurance + medical insurance if you rely on your children to protect you, and if you pay for it, you can buy a whole life insurance as a wealth inheritance if you have extra money.

But there is one biggest problem, many elderly people have high blood pressure, and medical insurance cannot be bought, so you can settle for the next best thing and buy cancer medical insurance.

Why don't you recommend critical illness insurance?

1. Many critical illness insurance companies have age restrictions, and the products that 60-year-olds can buy are very limited.

2. The premium is expensive, the leverage is low, and even the premium is inverted (the cumulative premium paid is higher than the money lost in critical illness).

3. The amount of insurance that can be purchased for critical illness is very low, usually not more than 150,000, and the payment period is very short, 10 years or 5 years.

In short, even insurance companies don't like to develop insurance for the elderly, and insurance companies don't think it's suitable to buy critical illness.

If you have a lot of money, you can buy lifelong cancer insurance, lose money for cancer or not cancer, and pay money to the beneficiary in death, which can be used as your own cancer protection or for wealth inheritance, killing two birds with one stone.

How to choose accident insurance?

Accident insurance covers death, disability, accidental medical treatment, hospitalization allowance, etc.

In fact, the death compensation for the elderly is not too important, and the children grow up, and they do not expect the death compensation of the elderly, but the accidental medical treatment should be focused on.

How to buy medical insurance?

The elderly must take health care seriously when buying medical insurance, the elderly are more or less physically abnormal, and they must carefully check whether they can buy medical insurance, blindly buying may not be able to make a claim, in reality, there are many cases, children are confused to buy medical insurance for the elderly, and the insurance company found that many abnormalities or diseases are not truthfully informed, and the final result is to refuse to pay.

If you can't buy medical insurance, you can see if you can buy cancer medical insurance, if you can't buy cancer medical insurance, you can only solve it through savings.

It is necessary for the elderly to buy insurance, but which insurance is suitable? I recommend a high-quality article to everyone. "Ten insurance points that are super suitable for the elderly to buy! 》

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.

If there are no special circumstances, the elderly can choose these types of insurance:

The importance of medical insurance for the elderly is still very strong, and as people get older, their physical fitness declines. However, the upper age limit of medical insurance is low, if the elderly are still in good health and are not over 65 years old, you can consider buying some million medical insurance with better protection. If you are over 65 years old, then the optional medical insurance coverage will be much less, the cost performance is not high, and families with insufficient economic conditions are not recommended to buy medical insurance.

Many of the elderly are not in good physical condition, falls, injuries are also common, the elderly usually walk outside may also be slow to move, too late to avoid vehicles and traffic accidents, with accident insurance, the elderly can also have a good protection. But now there are too many accident insurance, and the elderly don't know how to buy it? Hope this article can help you:

"The Best Accident Insurance to Buy in 2021".

It is relatively difficult for the elderly to buy critical illness insurance, and even if they find a critical illness insurance that the elderly can buy, the premium is on the high side, and the cost performance is not high. In the case that you cannot get the coverage of critical illness insurance, you can choose cancer insurance that does not have high restrictions on the age, physical and other conditions of the elderly to supplement part of the protection. 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.

[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.

At the age of 60 years and above, the body's function is slowly declining, and the probability of disease is getting higher and higher. For this reason, buying an insurance policy will indeed have greater protection.

As for the insurance for this age group, the respondent thinks that it is enough to configure accident insurance + medical insurance.

For critical illness insurance, it is not recommended to buy critical illness insurance. For those over 60 years old, critical illness insurance** is very expensive and there may be an inversion of the premium after purchase. So let's focus on accident insurance and medical insurance, as follows:

1. Million Medical Insurance Cancer Prevention Medical Insurance

For medical insurance, you can get millions of protection for a few hundred yuan, which is indeed very cost-effective.

However, the health notice of medical insurance is stricter, the elderly are not very healthy, and there are many minor physical problems, and many people of this age cannot buy it because of health reasons.

If you can't buy it, you don't have to worry too much about it, and you can't buy a million medical insurance with a large coverage area, so we can buy a cancer prevention medical insurance with a small coverage area, and its health notice will be relatively relaxed.

As for health notification, it is necessary for us to understand it first

What are the tips for health notification when applying for insurance?

2. Accident insurance

As the name suggests, accident insurance is to protect against unexpected risks, and the main insurance liabilities include accidental medical treatment, accidental dismemberment, and accidental death.

For those over 60 years old, it is inevitable that there will be stumbling, so it is best to arrange accident insurance as soon as possible.

Accident insurance is mostly a one-year product.

**Very cheap, ranging from tens of yuan to hundreds of yuan per year, you can get comprehensive protection.

As for other popular accident insurance, if you want to know about it, you can move to".

In 2020, the most worthwhile accident insurance is here

If you have any other questions, please feel free to send a private message

65 years old is a feng shui age, after the age of 65, you can't buy millions of medical insurance, you can choose to shout unlimited, choose cancer insurance and accident insurance. For the elderly who are 65 years old or accompanied by Shen Infiltration, if they are in good health, they will give priority to millions of medical insurance and accident insurance, with cancer insurance. If there are three highs, choose cancer insurance to prevent the risk of cancer stupidity.

60-year-old insurance high rate is very high Qi Xing, this.

In this case, you can only buy some types of bancassurance, and you can also have a little protection, China Life has a peace of mind, insurance for critical illness, accidents, and dividends, you can go to see bancassurance. There is also a Hongying, which should be able to do it at the age of 60. This only protects against accidents.

Hello! For 60-year-olds, it is recommended that you should focus on community medical insurance, and then you can consider improving the protection of accident insurance and medical insurance.

Because the 60-year-old people are older, it is recommended that you choose the most suitable insurance for you according to the actual situation of the elderly.

People of this age are down-to-earth.

Save some money for yourself.

Not to mention whether the age is exceeded, the problem of healthy bodies alone cannot be overcome.

People at this age rarely don't have a particularly healthy body for a lifetime.

Insurance companies are not charities, and if you want to take advantage of the mentality, you will be unlucky in the end.

Insurance (or abbreviated as insur), which is meant to be safe and reliable; It is later extended into a kind of security mechanism, which is a kind of stool used to plan life finances, is the basic means of risk management under the conditions of market economy, and is an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer in accordance with the contract, and the insurer bears the responsibility of compensating the insurance money for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance return insurance group travel fund when the insured dies, is disabled, sick, or reaches the age and time limit agreed in the contract.