It's hard, but there is a way.
1, the main purpose of buying insurance for your parents should be to prevent the risk of diseases (mainly major diseases). Perhaps minor disasters and ailments can be borne by a family's economy. Once there is a major risk, it is likely to be fatal to a family's economy. As for the income function of insurance, it must be considered after the guarantee function.
2. For your parents' age, first of all, the premium will be high and the underwriting will be very strict (specifically, they will be required to have a detailed physical examination). Most people of this age will have some chronic diseases. If it is found out, they may ask you to increase the cost (if the insurance amount remains the same, you will spend twice as much money, will you), or they may refuse the insurance directly, not to mention your father's situation.
3, the amount of insurance (this is very important), with all due respect, without adequate insurance, it is meaningless to insure against major diseases, and it cannot be said that it is useless. With all due respect, it is difficult for one person to fully protect the premium you give, let alone two people.
Bottom line: It is very difficult to insure commercial health insurance with parents' age. The premium is expensive, the insurance amount is low and it is difficult to insure. The money you gave is simply not enough.
The best solution at present:
1. Look at the location of your parents' household registration and see if you can get social security (or rural cooperative medical care). If you can, you must get it, because it is run by the government, and the country has thick thighs, so you must hug it. If you can meet this requirement, you can feel at ease 80%.
2. If you can't meet the above requirements, it will be difficult to get social insurance and commercial health insurance, which may be more troublesome. There will still be a solution, but you need to change your mind and read my words carefully:
1 I went to the insurance company to buy a commercial pure life insurance for my parents, and it is a consumer life insurance, and the beneficiary is you. Note that it is not commercial health insurance, but the kind with death as the payment condition. The premium is not refundable and you can't get it back if you spend money. The insured amount is recommended to be more than10.5 million/person, and the insurance period should be as long as possible.
Why do you do this? Think about it from another angle. If parents are really at risk of serious illness, we can go all out to treat them because of lack of money? Never mind, borrow it boldly. If it is cured, everyone will always have a chance to pay back the money and life will continue. If unfortunate happens, this commercial pure life insurance will pay off your debts! This is much better than worrying about debt and not helping your parents. Moreover, with the protection of this life insurance, relatives and friends will be more assured of your repayment ability.
Why must it be commercial pure life insurance and consumer life insurance, and the beneficiary is you?
First of all, the premium of consumer insurance is very low. You can spend a relatively low premium and get a relatively high amount of insurance. The disadvantage is that you can't get it back after spending it. Do you want to consider whether the insurance coverage is enough or recover your own premium first? Which is more important to you?
Secondly, pure life insurance also involves physical examination and underwriting, and it will be very strict, but it doesn't matter. As long as it is not a fatal disease (or precursor), it will pass. Even if you ask for an increase in fees, you must take out insurance, because the premium for consumption is very low, and if you increase the fees, it is within the acceptable range.
In the end, the beneficiary is written as you, and you can understand that you are the parents' biggest insurance, so there is no need to explain.
3. Try to cover your last consumer life insurance+critical illness insurance, and the beneficiaries are your parents. Advantages: low premium and high insurance coverage. Reason: You are parents' biggest insurance, and nothing can happen. I'm sure you'll understand why.
Having said so much, put yourself in the other's shoes and you will understand the meaning.
I can say for sure that this is the best solution at present, provided that your parents are older and your premium is very limited.
Believe me, I have left the insurance industry, and I won't fool you into buying some insurance products for the benefit, but this is my experience and must be the most suitable solution for you.
Finally, I remind you that you are required to buy return, savings and income insurance and leave your contact information, all for your premium commission. Don't trust them. It doesn't matter whether you give it to me or not. Judge for yourself. What kind of insurance do you need?