I accident insurance for middle-aged and elderly people
Because the middle-aged and elderly people have problems such as decreased physical function, osteoporosis and slow response, the probability of accidental injury is higher than that of other age groups, so accident insurance is often regarded as the first choice of insurance. This kind of insurance has the following characteristics: what are the accident insurances for accidental medical treatment? Which is more secure? Which is more worth buying? Let's take a look at some good accident insurance recommendations. Top 20 quality accident insurance in 2020!
1, main protection items: accidental death/disability, accidental injury medical treatment, etc. ;
2. Low insurance threshold, high security, comprehensive security and high cost performance.
Second, health insurance for middle-aged and elderly people.
The incidence of middle-aged and elderly people is high, and usually medical expenses account for most of the living expenses. Choosing health insurance can reduce the medical burden and reduce the cost of medical treatment. This kind of insurance has the following characteristics:
1. Main protection items: accidental death/disability, accidental injury medical treatment, hospitalization allowance, etc.
2. The difference from accident insurance is that health insurance generally requires hospital certification, while accident insurance generally requires police certification;
3. There is no conflict with social security. Commercial health insurance can provide a larger proportion of compensation and further reduce medical expenses on the basis of social security reimbursement.
Three. endowment insurance
Endowment insurance is one of the most familiar insurances, which usually refers to the commercial endowment insurance in the market. This kind of insurance has the following characteristics:
1. After paying a certain premium, the insured can receive the corresponding pension after reaching a certain age to meet the needs of the elderly, and the amount received depends on the premium paid;
2. Low risk and stable income;
3. Old-age insurance generally begins before middle-aged and elderly people, and they get pensions when they reach a certain age.
Matters needing attention when insuring:
First, define the content of insurance products.
Every kind of insurance has its differences and similarities. It is necessary to distinguish the advantages and disadvantages of each product and choose the most suitable insurance according to your own needs.
Second, insure as soon as possible.
The higher the age of many insurances, the higher the premium. The earlier you buy insurance, the lower the premium and the higher the insured amount.
Third, do what you can.
It is necessary to insure according to one's own economic strength, and pay more attention to protection than investment.
Fourth, read the insurance clauses and liability clauses carefully.
For example, whether an insurance policy has a guarantee renewal clause is very important. A clear understanding of the terms can effectively avoid unnecessary disputes in the future.