How to buy a health insurance for parents?

To buy health insurance for parents, it is recommended to consider malignant tumor insurance first, because malignant tumor is one of the common high-risk diseases of the elderly. In the case of high treatment cost, if parents can buy a malignant tumor insurance in advance, they will have more funds to receive better treatment and recover as soon as possible. After the diagnosis, the general malignant tumor insurance can apply for claims with the diagnosis certificate, and there is no need to provide reimbursement documents after treatment. The insurance money can be used to pay for the treatment, which can alleviate the economic pressure to a certain extent, so that parents can no longer worry about the treatment costs and receive treatment with peace of mind, which is more conducive to their rehabilitation.

Moreover, the premium of malignant tumor insurance is relatively cheap and cost-effective.

Purchase strategy:

1, medium coverage

At present, the treatment of malignant tumors in China generally needs several hundred thousand yuan, and middle-aged and elderly people generally have social security or new rural cooperative medical system. It is suggested to consider purchasing commercial insurance with a quota of10-150 thousand yuan as a supplement. Of course, if the budget is sufficient, you can also choose a higher amount of insurance.

2. The guarantee period can be longer.

With the increase of age, the probability of suffering from malignant tumor will also increase. Therefore, it is best to keep the insurance period longer, such as after 80 years old. In this way, you don't have to worry about being unable to insure after the insurance expires, forming a risk gap.

3. Select a long-term payment period.

The longer the payment period, the less the premium to be paid in each period, and the less the payment pressure. Once claims are made during the payment period, general insurance products and subsequent premiums do not need to be paid.

The sooner you buy, the better.

The older you get, the higher the probability of getting sick. Therefore, the sooner you buy it, the sooner you can enjoy the protection, and the premium is cheaper.