There are many different types of insurance in the market, how to choose the right insurance for middle-aged men? How to buy health insurance?
First of all, what is health insurance? There are 2 main types of health insurance, which are critical illness insurance and medical insurance.
(1) Critical illness insurance serves to protect against major illnesses, such as cancer and cardiovascular diseases. Once you suffer from a critical illness, not only is the treatment expensive, but you may not be able to work for a few years, which will cause a great financial loss. Critical illness insurance is a payout type, when certain diseases meet certain claim criteria, the insurance company will pay a lump sum to the insured.
(2) Medical insurance is an insurance policy that pays out benefits for agreed medical expenses, i.e., insurance that provides coverage for medical expenses, including surgical fees, medical bills, hospitalization, nursing care, hospital equipment and other expenses.
The purchase of critical illness insurance for men is still different compared to women, and the following aspects need to be noted:
1, the sum insured should be sufficient. As a general rule, men are the main breadwinners of a family, and if they fall ill, the main source of income for the family will be interrupted, which will be a very big burden for a family. Therefore, in addition to considering the cost of medical expenses, you must also consider the expenses when there is no financial resources. Insure for as high a sum assured as possible, preferably in the 300,000 to 500,000 range.
2. Prioritize lifetime coverage. From the period of protection, male friends to buy critical illness insurance, as far as possible to choose to protect the whole life. As people grow older, the incidence of serious illnesses is getting higher and higher, especially for middle-aged men who are under more pressure and may have problems with their health. And lifetime critical illness protection for a lifetime, you can avoid after the protection period due to the deterioration of health and can not buy other insurance.
3. Focus on the coverage of high incidence of male diseases. For example, men's genitourinary diseases, cardiovascular and cerebrovascular diseases, are all men's high incidence of disease.
Buy insurance need to pay attention to a few points:
1. What type of insurance to buy
2. Understand, compare insurance products
3. Read the insurance contract
4. Check after the insurance.
We have selected some suitable medical insurance for middle-aged men as a group, including millionaire medical insurance and hospitalization medical insurance.
Medicare: It is a suitable product for all age groups as it is low in price, high in reimbursement and there is no restriction on the types of illnesses that can be reimbursed.
Hospitalization medical insurance: it is characterized by low deductibles and low coverage. This type of insurance is mainly used to reimburse outpatient and hospitalization expenses.
Critical illness insurance with million dollar medical insurance and hospitalization medical insurance is very suitable for middle-aged male friends. Cancer insurance is suitable for people over 60 years old. Critical illness insurance and cancer insurance are more cost-effective for middle-aged people and can cover a wider scope.
Difference between middle-aged people and young people buying insurance
Sometimes we may have some questions about why the premiums for the same type of insurance will be different for two people, in fact, it involves a lot of differences due to age. Here I will talk about the difference between young people and middle-aged people buying insurance.
(1) different requirements for insurance: take the 20-year-old young people and 40-year-old middle-aged people to vote for the same insurance, for example, why the latter have to pay premiums more expensive than the former. Because at the age of 20 years old when the insurance, the age of low prevalence of low; 40 years old when the insurance, the body in all aspects of the morbidity rate began to rise sharply, the prevalence of disease increases, so naturally need to bear a higher insurance premiums.
(2) the family burden is different: twenty years old when the insurance, even if a health problem occurs, their own no other economic burden, the family has parents to support the economic expenditure; and forty years old and then insured, if a health problem occurs, that is the collapse of the economic pillar of a family. Therefore it is necessary to prepare a protection for yourself early.
(3) enjoy the rights and benefits of the different: twenty years of age, the limit of free medical examination is about twice as much as forty years of age, in the twenty years of age can enjoy the insurance period than forty years of age, but also in the process of the insurance process to enjoy greater benefits and dividends.
In summary, it is very necessary to prepare a protection for yourself as early as possible. Middle-aged men can buy health insurance that suits their needs. If you need the advice of a professional insurance broker, search on Baidu for "Baojun" to provide you with professional insurance services.