It's getting colder and colder. Have you insured the elderly at home? How can parents buy insurance when they are old? I just sorted out the relevant contents, hoping to help you: buy insurance for parents and the elderly, and be sure to avoid these pits!
When people reach middle-aged and elderly people, they mainly face health protection and accidental injury protection.
1, health insurance
After entering middle-aged and elderly people, the health status of most people is much worse than before, so it is very necessary to buy a health insurance for middle-aged and elderly people. Health insurance includes medical insurance, sickness insurance, income insurance and long-term care insurance. According to the characteristics of middle-aged and elderly people, it is more suitable for hospitalization insurance and major illness insurance. Among them, medical insurance can be purchased separately or as additional insurance, which mainly covers the reimbursement of expenses arising from hospitalization due to accidents or diseases, and generally pays the amount of hospitalization insurance money with a fixed amount. Need to be reminded that many types of insurance have age restrictions. The older you are, the higher the premium. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020
2. Accident insurance
Because the body is not as flexible as before, the probability of accidental injury of middle-aged and elderly people is much higher than that of other age groups, especially in unexpected situations such as traffic accidents and fires. Therefore, an accidental injury insurance should be an important part of the insurance plan for middle-aged and elderly people. Compared with other types of insurance, accidental injury insurance has the characteristics of low premium and high protection, and the rate is not much different from that of young people, so the protection is more comprehensive. ?
3. Endowment insurance
The supplementary pension obtained by investing in commercial endowment insurance should account for 25%-40% of the pension needed in the future. Match the investment income with personal and serious illness protection, so that the retirement pension level will not be reduced due to accidents and diseases. The investment income of insurance companies can be used to offset the expenditure of insurance protection consumption, and at the same time, they can buy investment-oriented commercial endowment insurance products with guaranteed rate of return. However, the old-age insurance also needs to be insured as soon as possible. By compulsory savings, you can use your time to make money for yourself.
To sum up, when middle-aged and elderly people buy these types of insurance, they can resist various risks through combination. Once out of danger, they can also use the insurance company's compensation to compensate the future living expenses and avoid the economic crisis caused by insufficient protection. In addition, because the premium is directly proportional to the age of the insured, if you want to buy commercial insurance, it is best to buy insurance before the age of 50. General insurance companies have certain restrictions on consumers over the age of 50.
(The article comes from the "Baojian Micro Classroom" of WeChat official account)
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