For most people, it is very necessary to choose some insurance. After all, there is no way to predict the risk, so in order to get more comprehensive protection, most people will choose to buy insurance to transfer the risk.
Then for the retired group, in the end need to buy insurance? Buy insurance need to pay attention to what? The school sister this will tell you!
A, to the retirement group to buy insurance is really necessary?
Everyone wants to live a long and healthy life if only a long life, do not have the protection, it is quite regrettable. China's aging speed Vai foot the world's first, the scale is also the world's largest, the future existence of the pension risk, is everyone can not escape the reality of the problem.
To put it bluntly, old age depends on oneself, on one's own strong body, but also by virtue of one's own inner abundance, but also plan ahead for old age.
According to statistics released by the National Bureau of Statistics, the death rate of senior citizens due to falls accounts for about 25% of the accidental death rate in the residence. Therefore, with regard to accident insurance, it should be made a mandatory option for senior citizens' insurance. Moreover, none of us can stop the passage of time, and if people get older, their physical functions will continue to decline, and crucially, they are also vulnerable to the threat of various diseases. But an insurance policy can provide them with protection and can make their old age a higher standard of living.
It is indeed necessary to buy insurance for the retired group, but for many of the white people, want to buy and worry about being pitched, do not know how to buy insurance for the retired group. Don't worry, the practice of 8 years of school sister to tell you retirement group insurance this way to buy, do not spend a share of the wrong money!
"What is the insurance for the elderly, what insurance is good to buy for your parents, these you need to know"
The second best configuration of insurance for the retired group of people
Retired group of people insurance enrollment program is very Simple, it is necessary to buy the three kinds of insurance: million medical insurance, cancer insurance and accident insurance.
1. Million Dollar Medical Insurance
Multi-Million Dollar Medical Insurance can reimburse the insured for medical expenses incurred during the insurance period for hospitalization due to illnesses, and most of the expenses incurred can be reimbursed by Multi-Million Dollar Medical Insurance, provided that these expenses are covered by Multi-Million Dollar Medical Insurance and higher than the deductible. The policyholder will be reimbursed for most of the medical expenses incurred during the insurance period, provided that these expenses are covered by the MMP insurance and are above the deductible.
This makes it straightforward to think of MMP as a complementary product to social health insurance. Targeted medicines, out-of-hospital specialties, out-of-country visits, and a host of value-added services (e.g., advance payment services, green lanes) that are not available under social health insurance can be found in many MMP policies.
2. Cancer insurance
The risk of disease increases as the elderly get older, and people around the age of 65 are also the nodes of higher probability of various types of cancers occurring, and the most important thing is that the risk of cancer is also consistently higher after the age of 65.
There are two common types of cancer insurance, as follows: cancer medical insurance and cancer insurance, the following is an example of cancer medical insurance, cancer medical insurance, compared to the million medical insurance, it is true that you can only protect the cost of cancer treatment, but the age of the insurance is relaxed, some cancer medical insurance products up to the age of 70 years of age of the population to get the opportunity to vote, and even individual products can be up to 80 years of age. The company's website is a great place to find out more about the company's products and services.
And the threshold of health notification is not high, and most of the cancer medical insurance policies are open to cover diseases that are not included in the scope of general medical insurance, such as three highs, diabetes, coronary heart disease, rheumatism, etc., which is very suitable for the elderly to take out insurance.
3. Accident insurance
Generally, accident insurance can set up accidental death or accidental disability or even accidental medical protection for retired people. And some accident insurance products also include accidental hospitalization compensation, basically during the hospitalization can receive a certain amount of daily allowance.
And the older you get, the more likely you are to have an accident, so it's practical to pick an accident insurance policy for the retired. If you're going to buy an accident insurance policy for the retired, when picking one, you should pay attention to the liability of the accidental medical treatment, which covers outpatient and hospitalization reimbursement, from small falls, burns, and cuts to large fractures and concussions, and the cost of treatment can be covered at a certain percentage. The treatment cost of the smallest fall, burn, cut, large fracture, concussion can be reimbursed in accordance with a certain percentage.
Three of the most popular insurance policies for retirees!
Looking at the entire market at present, there are many insurance products for the retired people are sold quite hot, like the critical illness insurance there are China Merchants Renhe Qingyunwei No. 1, Tongfang Global Versaillesplus, i Worry-Free Critical Illness Insurance (Internet Exclusive), Darwin 6 Critical Illness Insurance, Perfect Life Guardian 2022 Critical Illness Insurance, BaoPuWei Multiple Edition Critical Illness Insurance, Lexian Well-being 2021 Critical Illness Insurance and so on.
Here, I would like to remind my friends that if you want to pick an insurance product, you have to look at the insurance product itself, let's say you can analyze it from the content of the coverage, the terms and conditions, etc., and you can't just rely on the popularity of the insurance company to judge whether the insurance product is good or bad.
After the retirement of the heavy disease insurance, if the economic situation is still relatively rich, you can also consider the purchase of an additional whole life insurance.
Incremental whole life insurance will continue to grow in value, and will be compounded annually at a certain rate (e.g., 3.5%), and then surrendered to receive the cash value and earn a certain amount of income. In fact, to be honest, you can think of an incremental whole life insurance policy as a bank account that compounds and increases in value at a fixed rate for decades to come, allowing the amount of coverage to roll over.
Four, must see before buying insurance for retired people!
Everyone in the choice to buy insurance before, the school sister still want to emphasize to you, different products need to cost, compensation content and coverage are not the same. For example, we are often talking about critical illness insurance, some products cover more than 100 kinds of diseases, while some products only for dozens of diseases to provide protection services. In addition to the above, the coverage period of critical illness insurance is also different, some products can be directly lifelong protection, while some products only provide a specific period of time protection services.
So, the matter of buying insurance just seems to be relatively simple, but in fact it involves a lot of financial and investment knowledge, and we need to choose a product that really suits us according to our own protection needs. It's possible that it's all the same product, and maybe it's the right product for someone else, but it's not the right product for you.
Fifth, where to buy insurance for retired people?
It is believed that we all basically have a clear understanding of the insurance for retired people, so if you want to buy insurance for retired people where to buy it?
We buy insurance, specifically divided into two channels online as well as offline.
For example, we can add through the insurance company's offline service outlets, I think we often see some insurance companies offline service outlets, these places are also available to take you to provide insurance services.
In addition, we can also purchase through the insurance salesman, after informing them of the insurance needs, the salesman will be in accordance with what we need to match the appropriate insurance products, if we discuss which product to be insured, you can contact them to be insured.
Of course, if you think the offline channel is more cumbersome or time-consuming, we can also call the insurance company's telemarketing hotline to configure the insurance, which is now also among the channels of the insurance company's sales 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, here benefited from a lot of insurance companies insurance products, if you need to buy, directly in the cell phone or computer can be insured successfully.
Of course, in addition to the above mentioned ways to insure, the insurance company's official WeChat, the official website, or the exclusive app can also be configured insurance products.
So what exactly is the difference between online and offline channels? Where to buy insurance is more cost-effective? Is online insurance really reliable? How do we really go about choosing?
Don't worry! The answers to all these questions are in the links below! Don't miss it!
"Is it reliable to buy insurance online? What is the difference between online and offline insurance?
Six: How to buy home insurance?
For ordinary families, the middle-aged people are often the main source of income for a family, can be said to be the backbone of the family, once the backbone of any accident, this is like a bolt from the blue for the whole family, and even the loss of the main source of income for the entire family to cause a great impact. Therefore, the people who bear the main financial responsibility of the family should be given the highest priority in the allocation of insurance.
The children are the hope of the whole family, but the children are usually too young, the immune system is not enough and therefore vulnerable, so it is important to buy insurance for the children.
Finally, for those families whose financial situation allows them to do so, the issue of supporting the elderly can't be ignored, and so after arranging insurance for the family's main source of income and the children, you can actually consider purchasing insurance for the elderly as well.
Do we need to have all the insurance for every member of the family? Of course not! Click the link below, the school sister to tell you how to buy insurance for family members the cheapest and most useful!
"3 Sets of Programs to Match a Family's Insurance"
Written at the end
I'm Scholars Speak Insurance, focusing on objective, professional, and neutral insurance assessment;
If the above has not solved your problem, you can also come to the public number of the school bully said insurance consult me;
I will give you the most professional advice with many years of experience in the configuration of insurance for 10W + families.
Public No.: Scholars Say Insurance Spend less money to buy the right insurance!