The restriction of health notification, we must pay attention to the physical condition of parents when insuring;
Age and insurance limit, try to choose exclusive products for the elderly;
Due to old age and physical decline, the premium expenditure is large.
Because of age and health problems, the elders at home can choose fewer types of insurance. Especially the older parents are, the more likely they are to get sick and need to buy insurance!
Older parents are usually advised to buy accident insurance and health insurance, loose cancer insurance and medical insurance.
1, cancer prevention and medical insurance
Parents are old, and they are high-risk groups of diseases. For example, common diseases such as stroke and tertiary diseases will be high at this age, and treatment will cost a lot of money, which will increase economic pressure for ordinary families.
If you buy medical insurance, you don't have to worry about having no money to see a doctor. Millions of medical insurance reimbursement is great. Regardless of outpatient, surgical and hospitalization expenses, except for the deductible of 1 0,000 yuan, the part exceeding the deductible can be reimbursed. Yes 100% reimbursement. And you only need to spend a few hundred yuan a year to buy a million insurance coverage. If the health condition of the elderly is too poor to insure millions of medical insurance with strict health information, they can choose to buy cancer prevention medical insurance with lower health requirements.
Anti-cancer medical insurance is reimbursement, that is, how much is reimbursement for medical treatment. This insurance has a high leverage ratio and is mainly aimed at the hospitalization and special outpatient treatment expenses caused by cancer. If you have a friend who wants to know more about anti-cancer medical insurance, for your reference: "What is anti-cancer medical insurance and is it worth buying?" 》
2. Payment-based cancer prevention insurance
There is basically no critical illness insurance suitable for the elderly in the market. This is because the critical illness insurance has strict health advice, and the physical quality of parents declines with age, so it is difficult to pass. Even if you buy critical illness insurance, there is the possibility that the premium will be upside down. At present, priority is given to payment-based cancer prevention insurance.
Critical illness insurance was replaced by cancer insurance. The key is to fight cancer. Most of the safeguard responsibilities will cover high-risk diseases such as malignant tumor and carcinoma in situ. If the insured has contracted cancer, the insurance company will pay the corresponding insurance money according to the terms of the contract. Compared with critical illness insurance, cancer prevention insurance not only has a small age limit (it can be insured before the age of 75), but also can easily know the health status. It is also possible to take out insurance if you have three or more minor physical problems.
The price of anti-cancer insurance is relatively affordable, only one or two thousand premiums are needed, and the maximum coverage is 65,438+10,000. For more knowledge about anti-cancer insurance, you can look at this strategy compiled by your sister: "You have to understand anti-cancer insurance! 》
3. Accident insurance
Usually when parents are older, they will be more or less inconvenient to move and have minor accidents. Accident insurance is particularly useful at this time. The insured amount of accidental medical treatment is particularly important for the elderly, and the higher the insured amount, the better the protection. Various evaluations, 202 1 cost-effective accident insurance are all here: "202 1, buy these if you want to buy accident insurance."
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