Pay medical insurance
Xueba said that social security has always emphasized that social security is our basic guarantee and the welfare given to us by the state. If parents do not have medical insurance, it is recommended to configure it first, whether it is residents' medical insurance or the new rural cooperative medical system.
Pay attention to cost performance and choose necessary and cost-effective commercial insurance.
Older people are generally older, so it is not recommended to buy some life insurance and critical illness insurance, because the insurance age of life insurance and critical illness insurance is mostly under 60 years old, and age is positively related to premium. After the age of 50, the premium is very high, but the insurance amount is not high, or even the premium is upside down, and the insurance amount has not been paid, which is very uneconomical.
To buy critical illness insurance for 55-year-old people, the maximum coverage can only be 65,438+10,000, the payment period is 15, and the total premium exceeds 200,000.
So, what are the appropriate guarantees for the older generation of parents? Comprehensive accident insurance
The elderly are weak, and the risk of sprains, falls and fractures is also rising. It is very necessary to provide parents with an accident insurance, with the focus on accidental medical insurance, which is generally 1 10,000-50,000.
Many adult accident insurance on the market can be guaranteed until the age of 65. If parents are over this age, don't worry, there is also accident insurance for the elderly, which can be guaranteed up to 80 years old. The price is not expensive, generally two or three hundred yuan a year, you can get the guarantee of 654.38+ 10,000, which is more cost-effective.
Medical insurance: buy as much as possible.
If parents are healthy and under 60 years old, they still have the opportunity to consider commercial medical insurance to reimburse medical expenses other than medical insurance. Take a 55-year-old man for example. The cost of purchasing millions of medical insurance is about 1 1,000 yuan, and there is a reimbursement limit of 3 million yuan, which is not limited to internal and external reimbursement of social security.
However, medical insurance requires high health information, so it still depends on the health status of parents.
Cancer insurance
Anti-cancer insurance only covers a serious disease of cancer, so the health information is relatively loose and can be purchased by people with three highs. According to the data released by official website, the high incidence of cancer is between 50 and 70 years old, so cancer insurance is very practical for parents. In addition, compared with critical illness insurance, ordinary cancer insurance only covers cancer, so the rate is cheaper. For example, it is more cost-effective to buy a cancer insurance for a 55-year-old person, with a coverage of 65,438+10,000 yuan and a premium of more than 500 yuan a year.
To provide comprehensive protection for parents, we should not only rely on insurance, but also make efforts in two aspects:
First, prepare a special savings for parents to prepare for old-age care; The second is to take parents for regular physical examination. The earlier many diseases are found, the better the treatment. Don't forget to care about your parents' health because you are too busy at ordinary times.
I hope Xueba's answer to the guarantee can help the subject. There are so many insurance products, which one is suitable for my parents, you can find Xueba to protect it, and screen the appropriate products according to your parents' physical condition, saving money and effort.