"I want to buy a medical insurance for my parents, but it is not easy to buy a suitable medical insurance because of my parents' age. Does my senior have any good ideas? "
Indeed, it is not easy for the elderly to buy medical insurance because of age and health problems.
Then talk about buying medical insurance for parents.
1. What medical insurance is the most suitable for parents over 50 years old?
If parents are healthy, millions of medical insurance is a good choice.
Millions of medical insurance refers to medical insurance with a coverage of up to one million.
Many millions of medical insurances only cover 1 year. This is a reimbursement product, which can reimburse most of the medical expenses when hospitalized for serious illness, similar to the type of medical insurance.
Millions of medical insurance can just make up for the lack of social security. After all, there are relatively many restrictions on social security, such as reimbursement ratio, capping line, two fixed points and three directories.
For those who don't understand the requirements of medical insurance restrictions, you can make up this article:
What is the "two fixed points and three directories" mentioned in "medical insurance"? What is the reimbursement scope of medical insurance? What are personal accounts and pooling accounts? 》
Compared with social security, the reimbursement scope of millions of medical insurance is wider, and certain drugs, imported drugs and high-tech diagnosis and treatment technologies that are usually restricted by social security can be reimbursed. These are the major items of medical expenses. In the face of millions of medical insurance, these problems have been solved, and the usability is still quite high.
Millions of medical insurance also provides special value-added services for patients, such as proton heavy ions, advance payment of medical expenses, green medical passage for needy families, etc., all of which are practical and concrete guarantees.
Another point that needs to be emphasized is that the price level of millions of medical insurance is low. A few hundred dollars a year can buy millions of medical insurance protection, which is still worth buying. I suggest you configure it for your parents.
So, what are the millions of medical insurance that are suitable for parents to buy at present? Don't worry, senior has prepared good products for everyone. Let's study it together.
Second, the medical insurance recommended by people over 50 years old!
Through the evaluation of the relatively good million medical insurance in the market, "Ping An E Life Long-term Medical Insurance Product Portfolio" topped today's recommendation list.
It is useless to say more, * * * with a safety map analysis way:
What are the advantages of Ping An E Life's long-term medical-insurance product portfolio? Let's see:
1. Guaranteed renewal for 20 years.
The terms of Ping An E life insurance and long-term medical-insurance product portfolio are clearly written, which can guarantee to renew the insurance for 20 years.
If you encounter claims, poor health or product removal during the renewal period, it will not prevent the insured from continuing to buy this product.
To put it simply, once the insurance is successful, the parents will be guaranteed for 20 years, and what they have done in this regard cannot but make people admire.
2. Increase the responsibility of special drugs for cancer
The specific drugs for cancer in Ping An E Life's long-term medical insurance product portfolio are the new responsibilities, including 87 drugs and electric field therapy, with an annual coverage of 2 million, and all specific drugs can be reimbursed within three years after diagnosis.
In addition, it also covers excellent value-added services such as direct payment of drugs, door-to-door delivery of drugs, application for drug donation, and cancer green link.
3. Increase the optional responsibility of special medical care.
Ping An E Life Insurance Long-term Medical Insurance-The insurance product portfolio is aimed at five special diseases, and the medical expenses incurred by special needs/international /VIP departments and specific medical treatment abroad in Thailand are also eligible for reimbursement.
The special needs department, the international department and the VIP department not only have spacious single wards, but also most of them are above the level of deputy chief physician, providing special services to seriously ill patients.
I will explain this part of Ping An E Life's long-term medical insurance product portfolio here. Those who want to know more information can take a look at the following in-depth evaluation article:
"Ping An E Life, the long-term medical insurance product portfolio has been hit hard, so we should pay attention to this defect! 》
As can be seen from the above, Ping An E Life's long-term medical insurance product portfolio is quite satisfactory in terms of protection content and compensation ratio. Friends in need can consider buying them for their parents as soon as possible.
Buying insurance varies from person to person. You can also compare other millions of medical insurance and choose a more suitable product. This list of millions of medical insurance worth buying may help you. You can compare and choose:
Ten million medical insurance rankings are freshly released! 》
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
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