Hello! In the increasingly serious health crisis, it is obviously urgent to buy commercial insurance. In general, there are two types of commercial insurance, one of which is critical illness insurance. Because of the health of the elderly, it is very necessary to buy critical illness insurance. Pacific critical illness insurance products suitable for 60-year-old in-laws are very few, so it is very difficult to insure. Therefore, I suggest that you can refer to some products of the "Care for the Elderly" health care series, covering 30 kinds of critical illness protection responsibilities, which are very suitable for older in-laws.
How to buy a suitable critical illness insurance product for 60-year-old in-laws?
1. Choose an insurance company with sound financial position and strong strength. Customers can know the solvency of insurance companies according to the evaluation results of authoritative rating agencies, as well as the annual reports and major announcements published by insurance companies.
2. Understand the serious diseases that can be compensated. Critical illness insurance does not cover all diseases, and only those suffering from serious diseases stipulated in the contract can get the compensation stipulated in the contract.
3. The insured must insure against threatening diseases, not blindly. Choose according to your mother's age and needs.
4. When taking out insurance in critical illness insurance, you should pay attention to telling the medical history of the insurance company truthfully.
5. Economic affordability: At present, a standard critical illness insurance is more expensive in the market, which should be considered according to the family's economic income.
Critical illness insurance products of different companies have different characteristics and functions, and there are pure protection types (the premium is relatively low); There is also dividend-paying life insurance (cash dividend or insured dividend) combined with serious illness. Buy a suitable critical illness insurance product for 60-year-old in-laws. Specially recommend your reference: middle-aged care (56-60 years old) scheme 1.