Currently on the insurance market, there are many different kinds of insurance for the elderly, and it's not easy to buy the right product, it's okay, I've helped you organize a good, cost-effective insurance for the elderly inventory, free delivery for a limited period of time: How is PICC good? What insurance is worth recommending?
This insurance is a participating insurance, there is no return. What you can receive is just dividends, and how much the dividends are is uncertain. You may not be particularly familiar with this insurance, I'll give you a brief introduction.
Birth, old age, sickness and death is a problem that everyone may face, according to the following morbidity graph can be seen, the older the age, the higher the probability of illness.
From a scientific point of view, the best plan to allocate insurance for the elderly is: Medicare + medical insurance + cancer insurance + accident insurance.
1. Medical insurance
Medicare is the most important medical insurance for 99% of the elderly, there is no requirement on age and health, can be bought, especially for the elderly who can't insure other commercial insurance, the medical insurance is definitely must be configured.
2. Medical insurance
The elderly have a high risk of disease, such as diabetes, hypertension, rheumatoid arthritis, cancer and other conditions that require long-term medication, which brings a considerable financial burden to the family.
Millions of medical insurance can be reimbursed for hospitalization and other related medical expenses, the annual premium is only a few hundred dollars, the amount of coverage is millions of dollars, regardless of outpatient, surgical or hospitalization costs, in addition to the need for out-of-pocket expenses of 10,000 yuan, more than 10,000 more than the portion of the full reimbursement, and in addition to the cancer and other serious illnesses, but also can be directly reimbursed for the 0 deductible. Million-dollar medical insurance can maximize the reduction of the family's financial losses due to illness, reimbursement of the part of the medical insurance reimbursement can not be. Bent on saving you money, I've spent a lot of time finally compiling this list of top million dollar medical insurance policies, so take a look if you're interested! What are some good medical insurance recommendations?2020 Hot Top 20 Quality Medical Insurance Inventory
3. Cancer Insurance
Elderly people are the population with the highest incidence of malignant tumors in China. If your parents are not in good health, it's time to get a cancer insurance policy.
Cancer insurance is a simplified version of MMP insurance, which only pays for cancer. Buying a cancer insurance is not as expensive as a critical illness insurance, and you can also take out a policy if you have conditions that are not related to cancer, such as three highs, diabetes and rheumatoid arthritis.
4. Accident insurance
People are getting old, the health condition is declining, osteoporosis, often a fall and stumble, the frequency of accidents is very high. Furthermore, the recovery ability of the elderly is also poor, to recover from an accidental injury, the time will be longer, requiring long-term medical expenses.
To solve these problems, the elderly configuration of an accident insurance is very necessary. Accident insurance is generally available up to the age of 65, and premiums are very cheap and do not require high health requirements. People who have bought insurance should know that it is very difficult to pick the right accident insurance product, it is better to refer to the readily available: what are the good accident insurance recommendations?2020 hot top 20 quality accident insurance!