(1) Accident insurance
Accident insurance requires less health condition and can be purchased by people in their 60s and 70s.
Because of aging, physical function declines and reaction slows down, the elderly are prone to accidental injuries, such as slipping in the bathroom and sprains from square dancing.
Accident insurance is a very suitable choice for people aged 65, and the price is relatively cheap.
And when you buy accident insurance, you don't need to pay special attention to the amount of death/disability coverage, but mainly focus on the amount of accidental medical care and coverage, and try to choose a high reimbursement rate and unlimited social security medication products.
(2) Medical insurance
Middle-aged and elderly people are highly susceptible to various types of illnesses, therefore, on top of health insurance, they need to be equipped with medical insurance to ensure that most of the medical expenses are reimbursed, and this type of insurance is very necessary.
(3) Cancer insurance
Cancer insurance is mainly for cancer protection. Even if you suffer from diabetes, three highs and chronic diseases, you can still take out cancer insurance, as long as there are no nodules, tumors, polyps and other conditions.
The cancer insurance on the market is mainly divided into benefit type and reimbursement type, with the former paying out a lump sum at the time of cancer diagnosis, and the insured amount is usually around 100,000 yuan; and the latter paying out according to the actual medical expenses.
Summary: For middle-aged and elderly people aged 65 who are healthy and do not have chronic diseases, they can consider purchasing accident insurance + medical insurance;
For middle-aged and elderly people aged 65 who have chronic diseases, they can consider purchasing accident insurance + cancer prevention medical insurance.
The above is the answer of the milkman, hope it can help.