So do you need to buy insurance for the retired group? What should I pay attention to when buying insurance? Senior, let me tell you!
1. Is it really necessary for retirees to buy insurance?
Everyone wants to live a long and healthy life. It would be a pity if they just lived a long life without security. The aging rate in China is the fastest and the largest in the world. The future pension risk is a realistic problem that everyone can't escape.
To put it bluntly, we must plan our retirement life in advance, whether we rely on ourselves, our strong body or our inner enrichment.
According to the data published by the National Bureau of Statistics, the death rate of elderly people due to falls accounts for about 25% of the accident death rate in houses. Therefore, accident insurance should be regarded as a necessary choice for the elderly insurance. Besides, none of us can stop the passage of time. When people get old, their physical functions will continue to decline. The key is that they are prone to various diseases. However, insurance can provide them with protection and make their living standard in old age higher.
It is really necessary to buy insurance for the retired group, but for Xiaobai, I want to buy and worry about being pitted, and I don't know how to buy insurance for the retired group. Don't worry, my senior sister who has been in business for 8 years tells you that it doesn't cost a penny to buy retirement group insurance like this!
You need to know what insurance the elderly have and what insurance to buy for their parents.
Second, the optimal allocation scheme of retiree insurance.
The insurance plan for retirees is very simple, and it needs to buy three kinds of insurance: one million medical insurance, cancer insurance and accident insurance.
1. 1 ten thousand medical insurance
Millions of medical insurance can reimburse the insured for medical expenses incurred in hospitalization due to illness during the insurance period, and most of the expenses incurred can be reimbursed by millions of medical insurance, provided that these expenses are within the coverage of millions of medical insurance and higher than the deductible.
Furthermore, directly speaking, millions of medical insurance can be regarded as supplementary products of social medical insurance, such as targeted drugs, special drugs outside the hospital, overseas medical treatment and many value-added services (such as prepaid services and green channels), which are not guaranteed by social medical insurance and can be seen in many millions of medical insurance.
2. Cancer insurance
The older the elderly, the higher the risk of cancer. People around the age of 65 are also the node period of high probability of various cancers. Most importantly, after the age of 65, the risk of cancer has been rising.
There are two kinds of common anti-cancer insurance, anti-cancer medical insurance and anti-cancer critical illness insurance. Let's take cancer prevention and medical insurance as an example. Compared with millions of medical insurance, anti-cancer medical insurance can only guarantee the cost of cancer treatment, but the insurance age is loose. Some anti-cancer medical insurance products can be insured for people up to 70 years old, and some products can even reach 80 years old.
Moreover, the threshold of health information is not high, and diseases such as three highs, diabetes, coronary heart disease and rheumatism are not covered by ordinary medical insurance. Most anti-cancer medical insurance is also open-ended, which is very suitable for the elderly.
3. Accident insurance
Under normal circumstances, accident insurance can provide retirees with protection against accidental death, accidental disability and even accidental medical treatment. Moreover, some accident insurance products also include compensation for accidental hospitalization, and you can get a certain allowance every day during hospitalization.
Moreover, the older you get, the more prone to accidents. It is very practical to choose an accident insurance for retirees. If you are going to buy accident insurance for retirees, you should pay attention to the responsibility of accidental medical treatment when choosing. Accidental medical care includes reimbursement for outpatient and hospitalization expenses, from falls, burns and cuts to treatment expenses for fractures and concussions.
Third, the big secret of popular retirement insurance!
Throughout the current market, there are many insurance products for retirees that sell very well. For example, critical illness insurance includes China Merchants Renhe Qingyunwei 1, Tongfang Universal Versailles plus, My Worry-Free Critical Illness Insurance (Internet only), Darwin No.6 Critical Illness Insurance, Perfect Life Guardian 2022 Critical Illness Insurance, Baopuhui Multiple Critical Illness Insurance, Lexiang Ankang 202 1 Critical Illness Insurance and so on.
Here, senior students should remind their friends that the choice of insurance products depends on whether the insurance products are good or not. For example, we can analyze the contents and terms of insurance, and we can't judge the quality of insurance products only by the popularity of insurance companies.
After purchasing critical illness insurance for retirees, if the economic situation is relatively comfortable, you can also consider purchasing an additional whole life insurance.
Whole life insurance's insurance coverage will continue to increase, and it will increase with compound interest at a certain rate (such as 3.5%) every year. In the end, you will be able to get cash value through surrender and get some income. In fact, to tell the truth, we can regard the increased whole life insurance as a bank account with compound interest and appreciation. In the next few decades, the amount of insurance will increase at a fixed interest rate.
Fourth, retirees' insurance must be carefully read before buying!
Before you choose to buy insurance, senior should emphasize to you that different products need different expenses, compensation content and coverage. For example, we often talk about critical illness insurance. Some products cover more than 100 diseases, and some products only provide protection services for dozens of diseases. In addition to the above, the protection period of critical illness insurance is actually different. Some products can be directly guaranteed for life, while others only provide guarantee services for a specific period of time.
Therefore, buying insurance seems simple, but it actually involves a lot of financial management and investment knowledge, and you need to choose the products that really suit you according to your own security needs. It may be the same product. Maybe this product is suitable for others, but not for you.
5. Where can I buy insurance for retirees?
I believe everyone has a clear understanding of retirement insurance, so where do you want to buy retirement insurance?
We buy insurance, which is divided into online and offline channels.
For example, we can buy through the offline service outlets of insurance companies. Presumably, you often see some offline service outlets of insurance companies, and these places can also provide insurance services for you.
In addition, it can also be purchased through an insurance salesman. After informing them of the insurance needs, the sales staff will match the appropriate insurance products according to our needs. If you discuss which products to insure, you can contact them to insure.
Of course, if you think the offline channel is cumbersome or a waste of time, we can also call the telephone sales hotline of the insurance company to configure insurance. Nowadays, telemarketing is also one of the channels for insurance companies to sell products.
Internet insurance sales platform is also a very reliable way to buy. In fact, this platform is a third-party insurance product sales platform, which benefits the insurance products of many insurance companies. If you need to buy it, you can successfully insure it directly on your mobile phone or computer.
Of course, in addition to these insurance methods mentioned above, insurance products can also be configured on the official WeChat, official website or exclusive app of the insurance company.
So what is the difference between online and offline channels? Where to buy insurance is more cost-effective? Is online insurance really reliable? How should I choose?
Don't worry! The answers to these questions are in the links below! Don't miss it!
"Is it reliable to buy insurance online? What is the difference between online insurance and offline insurance? 》
6. How to buy family insurance?
For ordinary families, middle-aged people are often the main source of income for a family, which can be said to be the pillar of the family. Once any accident happens to the pillar, it will be like a bolt from the blue for the whole family, and it may even have a great impact on the whole family because of the loss of the main source of income. Therefore, it can be seen that those who bear the main economic responsibility of the family should actually give priority to insurance.
Secondly, there are children, because they are the hope of the whole family, but children are generally fragile because they are too young and have insufficient immunity, so it is very important to buy insurance for them.
Finally, for those families with economic conditions, the issue of providing for the aged can not be ignored. Therefore, after arranging insurance for the main source of family income and children, we can actually consider buying insurance for the elderly.
Do you want to configure various insurances for each family member? Of course not! Click on the link below, and Senior Sister will tell you how to buy insurance for your family, which is the cheapest and most useful!
"3 plans, complete family insurance"
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