It is best for the elderly to choose lifelong medical insurance. Because such insurance can get a certain amount of insurance when paying the insurance premium for the first time. If the elderly suffer from serious diseases, the insurance company will also pay for the treatment. If he is not sick, the insurance premium will be refunded when the old man dies. When friends of the elderly buy medical insurance for the elderly, they can also choose the types of insurance that will increase after the age of 65, which can help everyone resist inflation. Moreover, the health status of elderly friends declines faster after the age of 65, and they need a sense of security more. If you are worried about hospitalization expenses, you can also add hospitalization subsidy insurance as an additional insurance. What we need to pay attention to is that elderly friends after the age of 50 need to have a physical examination before purchasing critical illness insurance. Generally, blood routine, liver function and urine test are needed. So 55-year-olds can also buy health insurance.
2. How do the elderly buy medical insurance?
2. 1, learn some insurance knowledge first.
2.2, understand the role and significance of insurance;
2.3, clear their own needs for insurance.
2.4, according to their actual needs and economic ability to insure, really understand consumption, down-to-earth enjoyment. How to buy parents' medical insurance? If you have not paid the old-age insurance before, you will be subject to some restrictions because of your age. General old-age insurance needs to pay 15 years to enjoy pension benefits. However, you can consult the social security center where your parents are registered, whether there is rural endowment insurance in the local area, and participate according to the situation.
3, the correct insurance practice should be
1,it is very important to study and understand before buying insurance.
3.2. Choosing a good salesman saves a lot of worry. Find a responsible, honest and proficient salesman who has worked for more than three years to serve you.
3.3. After receiving the insurance policy, read the insurance clauses carefully within 7 days. When you encounter doubts or questions, you should contact the insurance company or employees in time. /kloc-within 0/0 days, if you are not satisfied with the insurance you have taken out, you can surrender unconditionally to ensure that your interests will not be lost.
What kind of medical insurance should the urban elderly buy?
1. Long-term security is more secure. People only need to pay the premium of 15, and they can enjoy ultra-long-term protection until they are 70 years old.
2. The high return premium is satisfactory, and it will survive until the contract expires. With or without medical compensation, 128% of the paid premium is returned, which is an individual hospitalization medical insurance with dual functions of insurance protection and premium return.
3. Personal hospitalization medical insurance with guaranteed hospitalization income, taking into account the hospitalization responsibility of accidents and diseases, without affecting medical security such as social security, and paying hospitalization allowance on a daily basis without deducting deductible days.
4. Critical illness protection is more intimate. If you are hospitalized in the intensive care unit for the first time after the waiting period due to the serious illness agreed in the contract, you can get personal hospitalization medical insurance with a maximum allowance of 7 times.
5. Premium exemption is more humane. If the patient is diagnosed as a serious illness agreed in the contract for the first time due to an accident or is diagnosed as a serious illness agreed in the contract for the first time after the effective date of the contract 180 days or after the last recovery date 180 days, the remaining premium after diagnosis will be exempted, and the guarantee will not be affected.
6. Give extra money and one year's "Second Medical Opinion Service". The world's top medical institutions provide advice on diagnosis and treatment, avoiding the fear of misdiagnosis and ensuring timely and effective treatment.
Matters needing attention in purchasing medical insurance for the elderly
1, to fully understand the benefits and risks.
Old people's financial knowledge is relatively insufficient. Some elderly people only buy insurance after listening to the saying of "high income" and are not aware of the risks.
2. Read the insurance clauses clearly
No matter how the salesman explains it, the insured must carefully study the terms and conditions, so as to be aware of them, especially the core parts such as insurance liability, deductible and claim settlement, and earnestly safeguard their own interests.
3. Communicate with children more.
Before the elderly buy insurance products, it is best to communicate with their children, consult their children about the specific contents, risks and benefits of insurance, and listen to their opinions.
4. Give priority to accident insurance and medical insurance.
The probability of accidental injury in the elderly is higher than that in other age groups, so it is recommended to buy accident insurance first. If there is no medical insurance, it is recommended to buy a medical insurance when buying accident insurance.
You need to buy insurance as much as you can.
The income of the elderly is relatively low, so buying insurance should be considered comprehensively, and the payment period and payment method should be reasonably selected.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.