Parents buy health insurance when they are 50.

Parents over the age of 50 have actually missed the best insurance planning stage, and many health insurance doors are no longer open to them. Even if you can buy critical illness insurance, careful analysis will find that the phenomenon of "premium upside down" is more common, which is actually a disguised refusal. With the increase of age, the risk of serious illness increases, and the underwriting of insurance companies will be more stringent. The premium paid for purchasing critical illness insurance is equivalent to the insured amount, and the leverage is extremely low, which has lost the significance of purchasing insurance.

For older parents, if physical conditions permit, it is recommended to choose million medical insurance, because it has the highest cost performance and can solve the problem of high medical expenses for parents' illness at a lower cost, and its premium is not as expensive as that of critical illness insurance.

If parents' physical condition cannot be informed by health, you can consider cancer prevention insurance and accident insurance.

Anti-cancer insurance underwriting is relatively loose, such as reimbursement-type anti-cancer medical insurance, which supports people with common senile diseases such as three highs and cardiovascular diseases to insure against illness, with more centralized protection and relatively lower premium.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.