What are the contents of health insurance for the elderly?
With the acceleration of China's aging process, the health of middle-aged and elderly people has become a concern of every child. So, what are the contents of health insurance for the elderly? It mainly includes: when middle-aged and elderly people buy health insurance, they should pay attention to whether this insurance contains provisions to ensure renewal. Due to risk control, most insurance companies do not promise to renew short-term medical insurance. If the insurance product cannot be renewed, and the insured has an insurance liability accident during the insurance period, the insurance company may refuse to continue underwriting for the insured after paying compensation. However, there is a great risk that the elderly will get sick again, and the probability of getting sick is high. Ensure that the update can address these risks. Once the insurance company promises to renew the insurance for the insured, it loses the underwriting right to the insured. No matter what disease the insured suffers from, the insurance company shall not increase the premium, let alone refuse the insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Experts pointed out that the introduction of health insurance for the elderly also includes: everyone must prepare funds and adequate protection for the middle-aged and elderly people as soon as they are young and able to work, because the earlier they buy insurance for the middle-aged and elderly people, the lower the premium, the higher the insured amount, and the insurance period is limited. After a certain age, many types of insurance can no longer be purchased; Because the middle-aged and elderly insurance in payout ratio is relatively high and the income of the elderly is relatively low, there are relatively few insurances specifically for the elderly. Therefore, it is best for the elderly to look at the situation of several companies, carefully compare and analyze, and choose the insurance that suits them best.
Details of China Merchants Cigna's launch of health insurance for the elderly
It is recommended that China Merchants Cigna enjoy major illness and serious illness insurance to guarantee 60 major illness and serious illness, and any one of the 60 major illness and serious illness that occurred for the first time after the waiting period and was diagnosed for the first time can pay the basic insurance amount; At the same time, it also covers 10 mild diseases. For any of the 10 mild diseases that occur for the first time after the waiting period and are diagnosed for the first time, 20% of the basic insured amount can be paid, and the contract will continue to be valid; If it is returned at maturity, it will exceed 1 10% (the insurance period is 20 years)/128% (the insurance period is 70 years)/150% (the insurance period is 100 years), resulting in only light weight. It also includes death protection, death of the insured, payment of basic insurance amount or interest-free refund of paid premiums; We can also consult the consulting network composed of the world's top medical institutions to provide you with professional written medical advice. You can use this service during the guarantee period.
The above is a detailed introduction to the Introduction to Health Insurance for the Elderly. I believe everyone knows more about health insurance for the elderly, and I hope everyone can buy a health insurance for the elderly as soon as possible.