Friends often complain to us: I feel that after my parents are over 60 years old, insurance is too difficult to buy, which also depends on that, for fear that I can't pay if I buy the wrong one.
Helping parents buy insurance, there are indeed many things to pay attention to. Today we will share with you how parents should buy insurance in their 60s, and what cost-effective products are worth choosing.
The main contents are as follows:
- Mom and Dad are in their 60s, what insurance is suitable to buy?
- When buying insurance for parents, focus on these 3 points
- What are the accident insurance and medical insurance suitable for parents?
Mom and Dad are in their 60s, what insurance is suitable to buy?
Before helping parents buy insurance, we recommend buying medical insurance (also known as "New Agricultural Cooperative").
Medical insurance can reimburse a part of medical expenses, which is the most basic guarantee for everyone. With medical insurance and then buy commercial insurance, the price will be much cheaper and the reimbursement rate will be higher.
However, medical insurance has a reimbursement limit, and only part of the expenses covered by social insurance can be reimbursed. If you want parents to have more comprehensive protection, you can supplement accident insurance and medical insurance to transfer the financial loss caused by accident or illness.
The specific functions are as follows:
- Accident insurance: parents are old, legs and feet are not as flexible as before, buying an accident insurance can reimburse medical expenses caused by accidents such as falls and scalds, unfortunately due to accidental disability or death will also lose a sum of money.
- Medical insurance: Generally, there are millions of insured amounts, which can reimburse high inpatient medical expenses, regardless of social security coverage, which is a good supplement to medical insurance.
There are a total of 3 types of medical insurance suitable for parents, and let's compare them with a table to see the differences.
Among the 3 types of medical insurance, it is recommended to give priority to million medical insurance, which has a wide range of protection, good reimbursement conditions, and does not have to worry about treatment costs.
However, millions of medical insurance has relatively strict requirements for age, physical condition, etc., if you can't buy it, you can consider cancer prevention medical insurance and Huimin insurance, which can also greatly alleviate the burden of medical expenses.
Now that you know which insurance is suitable for your parents, let's take a look at what issues you need to pay attention to when helping them insure.
To help parents buy insurance, we should focus on these 3 points
After parents get older, there are many things to pay attention to when buying insurance, and we have sorted out 3 things that need to be focused on when applying for insurance, let's take a look together.
1. Pay attention to the age of insurance
Age is the first threshold for buying insurance, and different types of insurance have different age restrictions.
After parents are over 60 years old, there will be many fewer options for millions of medical insurance, while cancer prevention medical insurance is relatively relaxed, and there are also products to choose from in your 70s; Accident insurance and Huimin Insurance have relaxed age requirements, and products can be purchased over 80 years old.
For parents, the older they are, the less insurance they can buy, so it is recommended to buy it as soon as possible to get the protection more securely.
2. Caution Health Notice
Mom and Dad have more or less physical problems as they age, and if they do not pay attention to the health notice, they will directly apply for insurance, which may affect the claim. Therefore, everyone should check carefully when applying for insurance.
Accident insurance has a relaxed health notice and is relatively easy to buy. Some middle-aged and elderly accident insurance only restricts some critically ill people to insure, such as cancer, myocardial infarction, etc.
Million medical insurance protection is good, but the health notice is strict, will ask about the three highs, hepatitis B, nodules and recent physical examination abnormalities, etc., if you ask, you can try smart underwriting, and you can also buy it after passing. However, conditions such as stroke and coronary heart disease may also be difficult to buy.
The health notice of cancer prevention medical insurance is relatively relaxed, and you can also buy coronary heart disease, diabetes, stroke and other diseases. However, cancer, liver cirrhosis and other conditions may not be able to buy, such friends can consider some Huimin Insurance without health notices.
3. Pay attention to price changes
Accident insurance is usually bought once a year, and the premium of each age group does not change much, usually hundreds of dollars.
Because the older you get, the greater the risk of disease, and the premiums for most medical insurance will increase with age. Some products are increased year by year, and some are adjusted every 5 years.
In order to give you a more intuitive understanding, let's take "Medical Carefree (Benefit Version)" as an example to take a look at the premiums of medical insurance at different ages.
For example, Mother Lan took out the medical carefree version at the age of 60, the first year's premium is only 1391 yuan, assuming that the insurance can be renewed all the time, the premium will become 4472 yuan by the age of 71, and the price change is still relatively large.
When you apply for insurance, in addition to referring to the premium calculated by your actual age, you can also look at the "rate table" on the insurance page. This will give you a general idea of future premiums and be prepared.
Above we know what insurance parents should have, and what to pay attention to when buying, let's take a look at what products are suitable for parents to buy.
Mom and Dad over 60 years old, what accident insurance is worth choosing?
After careful selection, we have selected 3 accident insurance plans suitable for parents from the market.
Directly speaking of the conclusion:
- If you want to reimburse the conditions well: you can consider Concentrate on Elderly Accident Insurance 2023 and Big Armor No. 5 Parent Accident Insurance. The former has no deductible and better reimbursement conditions; The latter has a more relaxed insurance age and can be bought up to 85 years old.
- If parents have some abnormalities: high blood pressure, diabetes and other diseases, you can consider the more relaxed health insurance for middle-aged and elderly people.
What medical insurance can parents choose from when they are over 60 years old?
There are many medical insurance plans on the market, and after careful comparison, we have selected the following 6 products:
Directly speaking of the conclusion:
If you are in good health, give priority to million medical insurance for better protection. The Worry-Free Edition guarantees 5-year renewal and stability. Exclusive e-student 2023 is also good, and you can buy it up to 70 years old.
If you can't buy it due to physical problems, you can try Medicare Worry-Free 2021, which has relatively relaxed smart underwriting requirements.
If you can't buy million medical insurance, you can consider cancer prevention medical insurance No. 1 Pro (upgraded version), which can reimburse high cancer treatment fees and ensure a lifetime of renewal. Over the age of 75, you can configure micromedical insurance and middle-aged and elderly cancer medical insurance, and the protection is also good.
In addition to cancer prevention medical insurance, you can also consider Huimin Insurance Zhongmin Insurance Inclusive Million Medical Insurance, without health notice, you can also buy serious diseases such as cancer, but the protection is relatively limited.
Write at the end
There are always friends who are worried that their parents are not in good health or too old to buy insurance, in fact, as long as you choose carefully, regardless of age, health or not, you can always pick the right product.
But it is still recommended that everyone help parents buy insurance as soon as possible, because there are fewer good products that can be bought after a certain age, and they may not even be able to buy them.
Pay attention to Deep Blue Insurance, reply to [Benefits], you can get it for free:
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