It is generally recommended that people over 65 can take out accident insurance and health insurance. Under the age of 65, you can take out one-year comprehensive accident insurance. The feature of this insurance is to provide comprehensive comprehensive accident protection (heavy rain, lightning and other major natural disasters), and can also apply for health insurance for the elderly. It is characterized by a health protection plan specially designed for the elderly, which extends the protection age to 80, providing protection for the most vulnerable injuries in the daily life of the elderly, including fracture and dislocation accidents, traffic accidents, general daily accidents and so on. , and also provides hospital care allowance.
At present, there are provisions for insurance for the elderly over 65. If the insured is over 65 years old, or the insured is over 60 years old, and the annual income reported by the insured is lower than the per capita disposable income in cities and towns or the per capita net income in rural areas announced by the provincial statistical department in the previous year, the commercial bank shall conduct demand analysis and risk tolerance assessment on the insured, and recommend insurance products according to the assessment results. To sell suitable products to customers with demand and affordability, insurance contracts shall not be automatically underwritten on the spot through the system. The policy materials are transferred to the insurance company, and after the underwriting personnel underwrite, the insurance company issues the bill. When underwriting, the insurance company shall review the suitability, insurance information and signature of the insured product. If it is found that the product is not applicable, the information is untrue, and the customer has no intention to continue to insure, it will not be underwritten.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.