Insurance editors to help you answer, more questions can be answered online.
Hello! Going to square dancing certainly has the effect of fitness, but it can not eliminate the attack of some diseases, your mother often go out to square dancing, you also want to consolidate their health protection through other methods, it is wise to take out a health insurance policy as early as possible.
How to buy health insurance for middle-aged and elderly people
1. The first thing to look at when buying a critical illness insurance is the scope of coverage, and it is best to be able to combine your own situation and estimate the risk of morbidity before deciding on what type of insurance is most suitable. The second thing to look at is the duration of coverage. As you get older, the incidence of major illnesses will increase. Premiums are cheaper at a younger age than at an older age, so don't choose a short-term insurance policy just for the sake of getting it cheaper.
2. Regarding the proportion of premium expenditure on critical illness insurance, an important principle is that it will not have an impact on the current standard of living. It is recommended to be 7-10% of the annual income of the family, and the percentage can be appropriately reduced in case of financial constraints. For the average family, usually to the current cost of treatment of common major diseases, combined with the modern medical system to consider.
3. Affordability: In the current market, a standard critical illness insurance is relatively expensive. If you choose a term insurance (the coverage time can be 10 years, 20 years, etc.) or additional insurance is relatively cheap. In addition, consumers can also choose some specialized insurance. And for a customer with a stable income, the insurance premium payment period, the longer the choice of payment period the better.
4. It is recommended to choose the last item, which can maximize the diversification of risk.
5. When taking out a critical illness insurance policy, the policyholder should not only consider their own protection needs and affordability, but also carefully distinguish between the types of illnesses covered and the exclusions, as well as truthfully fill in their own physical condition and past medical history and other matters that need to be informed, in order to protect their own rights and interests.
Buying health insurance for your mom who loves to dance is a great way to get the most out of your mother's health insurance.