Starter: Wenwen Dabao Belle
An insurance self-media that can directly contact the owner of the public account
Hello everyone, I'm Wenwen Dabao Belle, your heel department insurance blogger.
Walking on the right path is the first step to success; looking at the correct insurance knowledge is also the most critical point to buy the right insurance.
Configuring insurance is not a once and for all thing, and the responsibilities assumed at different times face different risks.
Correspondingly, insurance protection also needs to be dynamically planned in light of the actual situation of our different life stages.
Well, the following is what Wenwen Dabao Belle is going to write - in 2022, how to use insurance to protect the life of parents?
01
How do I buy insurance for my parents?
Speaking of which, our post-80s and post-90s generation is really gradually reaching the age of "old and old and young".
Working alone outside, parents who are far away from home have become the biggest obstacle in their hearts.
The elderly's legs and feet are becoming more and more inconvenient, what should I do if there is a bump at home?
I have not been working for a few years, and I am even in the moment of being helped by my parents, if my parents are sick, where is the money to see my parents?
Mom and Dad are about to retire, what if the pension is not enough?
……
All kinds of things, each one, is the biggest worry in our hearts as children.
In fact, the biggest difficulty in buying insurance for parents lies in the age and physical condition of parents.
Limited by age, there will be fewer insurance products available to parents aged 50+ and fewer products to choose from if they are 60+ parents.
If there is a physical abnormality, it is even more difficult to buy insurance.
Either exception or denial of insurance, no matter which problem you encounter, it is a headache.
Wenwen Dabao Belle's advice is:
(1) No matter what age, the basic guarantees of national medical insurance and new agricultural cooperatives must be available.
(2) Parents under the age of 55, in good health and budget permitting, may consider configuring major illness insurance + million medical insurance + accident insurance;
(3) If the budget is not high, or if the leverage of serious illness insurance is low, then parents under the age of 70, if the physical condition allows, at least one million medical insurance + accident insurance should be configured;
(4) If the physical condition does not allow the purchase of millions of medical insurance, before the age of 70, you can consider the choice of anti-cancer medical insurance.
(5) If the health information of the anti-cancer medical insurance cannot be passed, or the age has exceeded 70 years old, it is recommended that the huimin insurance product launched by the local government can be considered.
All in all, medical insurance and accident insurance must be there.
02
Medical insurance configuration ideas
The medical insurance that parents need most is divided into three types: million medical insurance, anti-cancer medical insurance, and huimin insurance.
(1) Million medical insurance
If conditions permit, millions of medical insurance must be purchased.
Some friends will say that parents have medical insurance, new agricultural cooperatives, and medical treatment can also be reimbursed.
It is true that health insurance is a welfare given to each of us by the state.
However, the current basic social security is actually difficult to fully meet the medical needs of the elderly.
At this time, choosing a suitable commercial medical insurance as a supplement to resist the large medical expenses brought by major diseases to the family can not only effectively transfer the risk of large medical expenses of the family, but also allow parents to enjoy better medical services when the major illness comes.
Millions of medical insurance can solve our most basic medical needs for serious diseases, so that we can face the risk of major diseases, not "because of illness caused by poverty".
(2) Anti-cancer medical insurance
If the parents are unable to pass the health information of million medical treatment because of their physical health, or if they are old enough to purchase one million medical treatment, then "anti-cancer medical insurance" is also a good choice.
Cancer medical insurance is a type of insurance specifically designed for the risk of "cancer".
If the protection of serious illness insurance is "large and complete", then the role of anti-cancer medical insurance is "small and fine".
Although the coverage of anti-cancer medical insurance is only cancer, the coverage is relatively narrow, but cancer itself is the highest incidence of major diseases, which is equivalent to the highest incidence of disease risk has been transferred.
Moreover, the premium of anti-cancer medical insurance is relatively cheap.
In addition, since most of the anti-cancer medical insurance products are designed for the elderly, the insured age can be up to 80 years old.
In addition to the above advantages, anti-cancer medical insurance also has the biggest benefit, that is, it can be "insured with illness".
Problems such as "high blood pressure", "high blood lipids", "high blood sugar" and so on that cannot be covered by millions of medical treatment can be insured by giving parents a guarantee by taking out anti-cancer medical insurance.
(3) Benefiting the people's insurance
Since the second half of 2019, my own intuitive feeling about the medical insurance market is that there are more and more kinds of "huimin insurance" and they are all over the country.
"Huimin Bao", as the name suggests, is "inclusive medical insurance", which belongs to the product of "government guidance, insurance department operation, and public benefit", with low premiums and loose health notices (about equal to none).
Insured with "Huimin Bao", it can be a good connection between social security and as a disease protection for our "bottom".
If parents cannot insure million medical insurance for various reasons, then Huimin Insurance must buy, must buy!
If parents can insure millions of medical insurance, then although Huimin Insurance is not necessary to buy, it can also be considered.
After all, the premium itself is not expensive, and if the budget allows, give yourself more protection, and you will be far from the risk.
However, although Huimin Insurance can complement millions of medical insurance, it cannot completely replace millions of medical insurance.
This point should still be clear.
If you can buy millions of medical insurance, try to choose millions of medical insurance.
03
Accident insurance configuration ideas
(1) What is the accident insurance protection
The definition of "accident" is:
Suffering from an external, sudden, unintentional, non-disease objective event that causes bodily harm.
It has been noted that natural death, death from illness, sudden death (heat stroke, altitude sickness), suicide and self-injury are not within the scope of accidental injury.
(2) How to choose accident insurance
When selecting accident insurance, we should focus on the following three basic protection responsibilities:
a. Accidental death: because the accident person is gone, the comprehensive accident insurance can be compensated;
b. Accidental disability: Comprehensive accident insurance can be compensated for total disability or disability caused by accident;
c. Accident medical treatment: Because of the accident outpatient and inpatient treatment, the comprehensive accident insurance can be compensated.
The risk that accidents can cause, death, disability, medical treatment, and the accident insurance that can be guaranteed is "comprehensive accident insurance".
Some comprehensive accident insurance products will also have "sudden death", "accidental medical hospitalization allowance", "specific accident additional compensation" situation.
d. Accidental medical hospitalization allowance: because of the accident hospitalized, there is money to take every day;
e. Additional compensation for specific accidents: Additional benefits can be obtained because of the death of a specific accident, such as accidental death caused by taking a means of transport, accidental death due to natural disasters;
F. Sudden death: Sudden death itself is a disease problem, it is not an accident, so it is also good if the accident insurance has additional benefits for sudden death.
However, these are the icing on the cake, and the most important thing is the "three-piece set of basic guarantees".
If the budget allows, it is recommended that you can consider buying more sum insured to transfer the risk of accidental death and disability.
(3) How to buy accident insurance for parents, the most comprehensive protection
Because parents are gradually unable to move physically, the risk of wrestling and falling may be great after all.
It is recommended that when choosing accident insurance for parents, you can focus on the protection of "accident medical treatment" in accident insurance.
Many accident insurance can reimburse treatment caused by accidents, but different products have different agreements on the scope of claims.
Some can be reimbursed for drugs outside the social security, and some can only be reimbursed for the drugs within the social security.
For example, in the accidental medical treatment of some products, it is agreed that "in line with the local medical insurance regulations" and "within the payment range of social security regulations", that is, the meaning of non-compensation for drugs outside the social security catalog.
Accidental medical treatment can guarantee self-funded items other than social security, which is definitely better than only reimbursing drugs within the scope of social security.
If you need to beat the nails because of an accidental fracture, the insurance company can reimburse the imported nails with better results;
If rehabilitation medication is required due to an accident, can the insurance company reimburse the self-funded drugs outside the social security directory?
Who wouldn't want to use as many good things as possible when seeing a doctor?
People can't get sick according to the catalog, so if you want to be reimbursed a little cooler, it is recommended that you buy products that are not limited to the reimbursement of the medical insurance catalog.
The best guarantee is that the insurance company can compensate for all reasonable accidental medical expenses, with a compensation ratio of 100%, regardless of social security internal and external medication.
There is no golden rule for buying things, just fit yourself
There are many times when I am also asked: why don't you recommend xx products?
Buying insurance is not buying lipstick, and I can't get one color number.
Most of the products I recommend to you are because I have dealt with this insurance company and have a bottom of the product and claims.
There are many good products, we can't evaluate them one by one, today's selection method teaches everyone, look good to start on the line.