As the name implies, this product is mainly used to protect middle-aged and elderly people, and the maximum insurance age can reach 80 years old.
How to configure insurance for other middle-aged and elderly people can be seen here: "How to buy insurance for middle-aged and elderly people? What kind of insurance can I buy for my parents? Be clear at a glance "
1. Insurance rules
E The age of comprehensive medical insurance for middle-aged and elderly people is 50-80 years old, which is more suitable for the elderly.
The guarantee period is 1 year, which is a medical insurance product with one-year guarantee, and the waiting period is 30 days, which is more in line with the popular medical insurance standards in the market.
2. Accident protection
During the guarantee period, if the insured dies/is disabled accidentally, the maximum insured amount can reach 300,000 yuan, and there is accident medical insurance, and the insured amount is 0.5- 1 10,000 yuan.
3. Medical security
If the insured dies suddenly, he can get compensation of 500,000-200,000 yuan, and the maximum medical insurance for accident/illness hospitalization is 6,543,800 yuan.
It should be noted that when the insured needs hospitalization due to an accident, the insurance company will pay the medical insurance premium for the accidental injury first, and then make up the shortfall with the medical insurance premium for the accident/illness hospitalization.
Generally speaking, this product combines the accident protection of accident insurance with the medical protection of medical insurance. The insurance is comprehensive, and the underwriting is not restricted by occupation, but the renewal of insurance needs to be re-examined.