The first thing you need to do is ask your local rural cooperative medical insurance.
After all, this is subsidized by the government and is more cost-effective than commercial insurance.
Additionally, your father is 45 years old and has high blood lipids. In this case, if you buy commercial medical insurance, depending on the specific medical examination, you may be denied commercial medical insurance, and even if you are not denied, you will be charged 100% more. The fact is that the company's products and services have been widely recognized by the public and the public.
What you said about "Ping An Zhi Ying Life" is not bad. I'll just mention a few of the advantages.
1, the payment of flexible, if the future cash flow is not easy, you can not pay temporarily, and when the money to pay again, this is very convenient. (Of course, every year on time to pay the bill, the fourth year, there will be a 2% continuous payment bonus. 6000 * 2% = 120, that is, the bonus 120)
2, the protection of death and 28 kinds of serious illnesses
3, 2008 Ping An's universal life insurance settlement interest rate is 5.25%, this interest rate is far more than the bank's one-year fixed deposits
Drawbacks:
It is the money that is just paid in each year will be deducted part.
First year, 50%, or 3,000
Second year, 25%, or 1,500
Third year, 15%, or 900
Fourth and fifth years, 10%, or 600
Sixth year and beyond, 5%, or 300
This deduction is part of the insurance company's The cost of running the business is the insurance company's cost. After all, he can't help you make money for free and give you protection, right?
2,45 years old, relatively speaking, the premium will be deducted a little more.
Additionally, the above coverage is for death and critical illness. (Medical has already been said, it is recommended that you choose the rural cooperative medical care. Commercial medical insurance is very expensive and not cost-effective for older people)
Leisurely Ping An Accidental Rescue Advance Card Section A
You can take a look at this card, which is for accidental injuries as well as accidental medical treatment.
Not bad. It's only $120 a card.
That's basically it.
Besides, you're going to be the backbone of your family and you're responsible for your whole family, so how can you do that if you don't have insurance?
It is highly recommended that you consider insurance for yourself. The fact is, if you buy an insurance policy at your age, the premiums will be cheaper.
Not much to say, you see for yourself
.