There are many kinds of insurance in the market. How to choose insurance suitable for middle-aged men? How to buy health insurance?
First, we need to know what health insurance is. Health insurance is mainly divided into two types, namely, critical illness insurance and medical insurance.
(1) The function of critical illness insurance is to protect major diseases, such as cancer and cardiovascular and cerebrovascular diseases. Once suffering from a serious illness, it is not only expensive to treat, but also impossible to work for several years, causing great economic losses. Critical illness insurance is paid. When certain diseases reach a certain claim standard, the insurance company will pay the insured in one lump sum.
(2) Medical insurance takes the agreed medical expenses as the insurance that pays the insurance premium, that is, the insurance that provides medical expenses protection, including operation expenses, medical expenses, hospitalization expenses, nursing hospital equipment expenses, etc.
Men's purchase of critical illness insurance is still different from that of women, and the following aspects should be paid attention to:
1, the insurance coverage should be enough. Generally speaking, men are the main economic pillar of a family. If they are unfortunately ill, their main source of income will also be interrupted, which will cause a great burden to a family. Therefore, in addition to medical expenses, we should also consider the expenses when there is no economic source. The insurance coverage should be as high as possible, preferably in the range of 300,000 to 500,000.
2. Give priority to lifelong protection. From the perspective of the guarantee period, male friends buy critical illness insurance and try to choose to guarantee life. With the growth of age, the incidence of serious diseases is getting higher and higher, especially middle-aged men, who are under greater pressure and may have physical problems. Life-long serious illness guarantees life, which can avoid being unable to buy other insurance because of poor health after the protection period.
3. Pay attention to the protection of male high-risk diseases. For example, male genitourinary system diseases, cardiovascular and cerebrovascular diseases, are all high-incidence diseases of men.
Pay attention to the following points when buying insurance:
1. What insurance should I buy?
2. Understand and compare insurance products
Read the insurance contract
4. Check after insurance.
We have selected some medical insurance suitable for middle-aged men, including millions of medical insurance and hospitalization insurance.
Millions of medical insurance: it is a product suitable for all ages, because of its low price and high reimbursement amount, and there are no diseases that limit reimbursement.
Hospitalization medical insurance: characterized by low deductibles and low living allowances. This kind of insurance is mainly used to reimburse outpatient and hospitalization expenses.
Critical illness insurance, millions of medical insurance and hospitalization insurance are very suitable for middle-aged male friends. For example, cancer insurance is suitable for people over 60. For middle-aged people, critical illness insurance and cancer insurance are more cost-effective and have wider coverage.
The difference between middle-aged people and young people buying insurance
Sometimes we may have some questions, why the premiums of two people will be different for the same insurance, in fact, many of them are caused by different ages. Let me talk about the difference between young people and middle-aged people buying insurance.
(1) The requirements for insurance are different: Take a 20-year-old young man and a 40-year-old middle-aged man as an example, why does the latter have to pay more premiums than the former? Because I am insured at the age of 20, my age is low and the prevalence rate is low; At the age of 40, the incidence of all aspects of the body began to increase substantially, and the prevalence rate increased, which naturally required higher insurance premiums.
(2) The family burden is different: when I was 20 years old, I was insured. Even if I had physical problems, I had no other financial burden. The financial expenses at home were supported by my parents. If you are insured at the age of 40, if you have health problems, it will be the collapse of a family's economic pillar. Therefore, it is necessary to prepare a guarantee for yourself in advance.
(3) Different rights and interests: the limit of exemption from medical examination at the age of 20 is about twice that at the age of 40, and the insurance period that the age of 20 can enjoy is also longer than that at the age of 40, and it will also enjoy greater benefits and dividends during the insurance process.
To sum up, it is very necessary to prepare a guarantee for yourself as soon as possible. Middle-aged men can buy their own health insurance according to their own needs. If you need the advice of a professional insurance broker, you can search Baidu for "Baibaojun" to provide you with professional nursing services.