1, major medical insurance
2, disease medical insurance
3, accidental medical insurance
The following specific analysis of the pros and cons of the purchase of each type of insurance for 50-year-olds:
Major medical insurance:
1, premiums are more expensive, and most likely there will be a premium inversion of circumstances
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Sickness medical insurance/accidental medical insurance: the first choice in the case of limited budget. This type of insurance, it is recommended to choose a comprehensive accident combination, the scope of coverage covers accidental death or total disability of the large amount of benefits, general illness hospitalization medical care, accidental injury outpatient, hospitalization medical care, surgical expenses and so on. The cost is not high, 50-year-olds planning a more comprehensive protection, about $ 1,000 / year can be, but belongs to the consumer type of insurance, no return.
Life insurance as much as possible to choose the whole life type, preferably life insurance plus a combination of disease, a number of insurance companies have similar products, to find a due diligence agent to communicate with can be.
The first comprehensive accident insurance is the IPA product of AIA Life or Taiping Life. Both companies' comprehensive accident insurance is fully reimbursed within the limit of medical expenses, and there is no deductible, which is an obvious advantage.