At present, the medical insurance that our parents can choose includes social basic medical insurance and commercial medical insurance. So how should we choose for the elderly?
First, medical insurance for the elderly over 60 years old
Because the characteristic of insurance is to strive for higher coverage with less premium, it is difficult for the elderly over 60 to buy medical insurance. This is mainly reflected in what time.
1 Buying medical insurance requires a physical examination.
Many insurance companies will not cover those who are not healthy enough. The physical function of the elderly themselves has begun to deteriorate, so although there may be no major problems, some physical defects should still exist. The threshold for buying is higher.
Many commercial medical insurances are under the age of 60.
In other words, people over the age of 60 can't buy some medical insurance at all, and even if they have bought it before, they can only renew it until they are around 65.
3. Because of the high risk of serious illness of the elderly, the premium will be very expensive, and even the premium and the insured amount may be upside down, which means that the premium we are talking about is even higher than the insured amount.
2. What insurance should the elderly over 60 buy?
For the elderly over 60 years old, it is basically impossible to buy insurance such as serious illness, medical care, dividends and universal insurance. You can only buy accidental injury and accidental medical insurance with a single card, and the cost is generally one or two hundred yuan. If the younger generation really wants to buy commercial insurance for the elderly over 60, they can buy an insurance by themselves, and the beneficiary can write the name of the elderly, so that all ages can get some protection.
When 60-year-old people buy medical insurance, they must know the relevant insurance purchase knowledge and relevant precautions. After all, the old man is old, so as to avoid some unknown situations in the claim.
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