It's okay, dad can still solve this problem for everyone:
First, the bottleneck of buying insurance for the elderly
1. After the maximum insurance age, the maximum insurance age for many products is 55 years old, and you can't buy them after the age.
2. Health notification failed. Diabetes, hypertension, etc. It is a common disease of the elderly, but it is also a common notification problem in health insurance. If you need to take medicine for a long time, it is difficult to pass the health notice.
The premium price is really too high. You have to buy insurance when you get old. The premium is very high, even the total premium is not much different from the insured amount. For example, the lever for purchasing critical illness insurance at the age of 50 is only about 1:2.
First of all, the elderly are insured, and it is right to learn from their father: how to buy insurance for middle-aged and elderly people? What kind of insurance can I buy for my parents? See at a glance
Second, endowment insurance.
Dad reminds everyone that parents have reached a certain age and no longer need to take on the role of family economic pillar, so life insurance is not very useful to them. And with the growth of age, life insurance will become more and more expensive, and the cost performance is not high.
1, millions of medical insurance, buy if you can.
When people get older, their physical function will decline, which will directly lead to the high incidence of serious diseases and chronic diseases. Therefore, this kind of old people will also be encouraged to buy medical insurance, which will be relatively expensive.
Take the exclusive e-student 20 19 as an example. When a 30-year-old man is insured, it is 296 yuan, and when he is 60 years old, he needs 1436 yuan. However, Dad thinks that it is worthwhile to buy a million-dollar medical insurance for more than 1 1,000 yuan.
If parents are healthy, before the age of 60, these products can be considered: Zhongan enjoys millions of medical insurance such as electronic health, safe electronic health insurance and good medical insurance.
If parents are over 60 years old and under 65 years old, you can consider Zhongan to enjoy E-Parents Edition and Allianz Cherish Medical Insurance.
2. Accident insurance is recommended.
When parents are old, they are prone to mobility problems and their bodies are relatively fragile, so accidents often occur.
Generally, one-year accident insurance is cost-effective. In addition to the responsibility for death, it also includes the responsibility for disability and accidental medical treatment, which are very practical guarantees. If you still want to know about other accident insurance products for the elderly, please poke the right article to understand: accident insurance for the elderly is the most reassuring.
3, critical illness insurance, rich budget can be matched.
Critical illness insurance will be stricter on health notification. If some parents are physically abnormal, they may not be able to buy them, and the older they are, the limited coverage of critical illness insurance is also available. Besides, the premium price is relatively high.
If the budget is good, you can consider products such as Super Mary 2020, Darwin 2 and Health Insurance 2.
Third, introduce cancer insurance.
Cancer is the most common serious disease. Compared with medical insurance and critical illness insurance, the insurable age range is larger, and the health notification of some products will be relatively loose.
Cancer insurance is divided into reimbursement and payment. The disadvantage is that it only covers cancer, and the guarantee function is a bit single.
Cancer insurance based on reimbursement is equivalent to a million-dollar medical insurance with simplified liability. Some products are insured at 80 years old. Consider these products: peace of mind insurance, good cancer medical insurance, and safe cancer guards.
Paid cancer insurance is equivalent to critical illness insurance with simplified liability. Some products are insured for up to 80 years. For those who pay attention to cost performance, you can consider Kunlun Health Aikangbao Cancer Insurance.
The following is the most comprehensive data compiled by dad about how parents buy cancer insurance: buying cancer insurance like this is the most worrying thing for parents, so don't forget to pay attention to these points.
Dad concluded:
Finally, no matter what insurance you buy for your parents, the most important thing is to accompany them, because as children, it is everyone's obligation to be filial to their parents.
I hope I can help you!
Write it at the end
I am a nanny and an insurance adjuster.
If you want more professional insurance advice,
Dad can answer for you: "Make an appointment with Dad to solve your problem ~"