Parents can take some unexpected medical treatment, be hospitalized for serious illness, or consider whole life insurance.
Parents over 50 years old, hospitalization and serious illness will be more expensive, and it is not cost-effective to buy old-age care.
You can see how others buy insurance for their parents:
My mother is 53 years old and my father is almost 50 years old. I have a rural hukou and no social security. Please recommend an insurance plan:
Consultation: I want to give my parents a guarantee in their old age, but I heard from my friends that it is not cost-effective to buy insurance because their age and serious illness premiums are relatively high. But I still want to buy accidents and hospitalization for my parents. Please recommend an insurance plan. If the cost is 2000 yuan per year, or the cost performance you recommend is high, it is ok to exceed it. Thank you.
Answer: It is similar to my parents' situation. Recently, many friends have asked for insurance for their parents. I have relevant knowledge about my situation. You can check it.
Supplementary description of insurance:
Accidental injury is the main risk,
Additional accidental medical treatment (accidental medical treatment can be reimbursed for outpatient service, accidental fracture and accidental hospitalization)
Additional hospitalization expenses (accidental hospitalization, illness hospitalization, serious illness hospitalization, organ transplant expenses) can be extended to 64 years old.
The above combination can achieve the most basic medical security, and major diseases are only a small part of the security. One-year premium can be controlled around 800 yuan.
If you consider lifelong protection, the annual premium is relatively high.
My mother is 44 years old and wants to buy insurance. I want to know some details of this insurance.
Consultation: The insurance my mother wants to buy is China Renshou Credit Suisse Pension Insurance (dividend-paying). I want to know 10 year, how much dividend can I get every year if I pay 2800 yuan? Can I get this bonus every year or only after 10, or after 10?
In addition, does this insurance include old-age insurance and personal insurance? What are the specific details about these two aspects of insurance?
Answer: There are dividends every year. How much you can get depends on your insurance coverage, and the advice provided by the insurance company is listed in detail. But it is not recommended to pay dividends, because insurance companies compound interest and long-term investment is definitely higher than bank interest.
Old-age security, when you are alive, within the time limit stipulated in the contract, someone gets the survival money every time, and you have money to pay for it when you die.