1, priority configuration accident insurance
Over 65 years old because of the age of the elderly, the physical quality is not as good as young people, so it is inevitable that there will be some minor accidents. There are many accident insurance products for the elderly, and the price is low, it is a cost-effective product, and the product insurance threshold is low. Insurance companies usually for the high age group launched a related insurance products, it is recommended that children for the 65-year-old elderly to buy products, accidental basic coverage for more than 100,000 yuan, while the accidental medical to reach more than 10,000 yuan, so as to play the role of insurance protection.
2, according to the need to configure the cancer insurance
There is a specialized insurance to protect cancer, called cancer insurance. There are two types of cancer insurance, one is cancer insurance similar to critical illness insurance, that is, the diagnosis of cancer will be paid; there is also a cancer medical insurance, similar to medical insurance, for reimbursement of cancer treatment costs. This type of insurance cost is low, the sum insured is high, and the health notification is lenient; high blood pressure, coronary heart disease, etc. can be insured.
The chances of the elderly suffering from cancer are much higher than that of young people, so it is very necessary to configure a suitable cancer insurance for the elderly. And cancer insurance is generally 70 years old, and some products are even able to insure those under 75 years old. It is recommended that 65-year-olds purchase cancer insurance coverage of not less than 200,000 yuan, because the coverage is too low protection role is not obvious, while the economic conditions of the family can increase the protection expenditure.
If you are still not clear about how to buy insurance for your parents, you can consult with Milkman Insurance, an Internet-based third-party insurance consulting platform that focuses on insurance research and provides consulting services such as disaster prevention, loss prevention, risk assessment and management for policyholders, as well as drawing up an insurance plan for the policyholder, choosing an insurance company and going through the insurance procedures, and assisting the insured or the beneficiaries in making insurance claims.