Among the many insured, a large part of the population is no longer young, such as more than 50 years old. For people who are no longer young, it is a time when protection is very needed.
However, insurance companies do not easily cover older people. As a result, many people find it difficult to buy the right insurance products as they get older.
In order to solve everyone's security problem, Wutong Jun introduced how to do it for people aged 50-85.
What insurance is available for 50-85 years old?
For people aged 50-85, medical insurance can be used to prevent disease risks, and accident insurance can be used to prevent accidental risks. These two types of insurance still have a high cost performance.
Medical insurance can be further subdivided into million medical insurance, cancer prevention medical insurance, Huimin insurance, and so on. For people under the age of 75 who are relatively healthy, priority is given to the allocation of million medical insurance. If you can't buy million medical insurance, consider using a combination of "cancer prevention medical insurance + Huimin insurance" instead.
The reason why we should prioritize the allocation of Million Medical Insurance is because the coverage of Million Medical Insurance is not limited by disease, the claim threshold is low, and it can provide stable protection for a long time.
(Mini programs have been added here, please go to Toutiao client to view)
How to choose a million medical insurance?
There are so many millions of medical insurance products on the market that need to be carefully screened. There are four points that must be paid special attention to:
1. The four basic guarantees of million medical insurance must be complete, including inpatient medical treatment, pre- and post-hospitalization emergency treatment, inpatient surgery and special outpatient clinic. At the same time, the sum insured corresponding to a single protection must be sufficient to truly resist risks.
2. Try to choose products that can guarantee the renewal of the insurance, and the longer the renewal time, the better. In this way, the policyholder does not have to worry about being insured after a claim or if his health deteriorates.
3. The lower and higher the deductible of the product, the lower the probability of use, the more beneficial it is to the policyholder. In general, the deductible should not exceed $10,000, $0 is better.
4. The four value-added guarantees of purchased drug reimbursement, proton heavy ion, green channel for medical treatment and expense advance should be available as much as possible.
(Mini programs have been added here, please go to Toutiao client to view)
In order to facilitate everyone's understanding, use some of the products on sale as an example to introduce the specific situation to you.
The million medical insurance in the figure above is more comprehensive, and the premium will not be very high.
Taking the first product in the figure as an example, the general inpatient insurance amount reached 2 million yuan, the insured amount of 120 critical illnesses reached 4 million yuan, and there were also outpatient emergencies, inpatient surgeries and special outpatient clinics before and after hospitalization. The reimbursement ratio of purchased drugs and proton heavy ions can reach 100%.
In terms of premiums, the first year of 50-year-olds is 855 yuan, and the first year of 60-year-olds is 1612 yuan.
How to choose accident insurance?
People aged 50-85 who apply for accident insurance will have a greater success rate. Insurance companies have also designed special accident insurance for the elderly for this age group.
There are three key points to pay attention to in screening accident insurance:
1. People at work should pay attention to professional requirements and choose products that match their career.
2. The accidental medical protection of accident insurance is the focus, the insured amount should be sufficient, the deductible should be low, and the reimbursement ratio should be as high as possible.
3. Choose a consumer accident insurance that you buy once a year, and there is no need to buy a return product.
About what insurance to buy for people aged 50-85, I will introduce you here. In general, medical insurance and accident insurance are worth configuring, and they can provide good protection without incurring high costs.