It is not difficult to buy insurance for parents aged 50-80, and it is not easy to say it simply. In fact, buying insurance for parents is not a matter of budget, but a matter of physical condition. When you get older, you will inevitably have some minor problems, such as hypertension, diabetes, breast nodules and so on. Therefore, the big choice reminder: Before buying insurance for parents, you must not ignore the health notification underwriting.
This article will talk to you: Parents are healthy, which kind of insurance is better to buy? What insurance can parents buy if they are in poor health? From the selection of raiders and pit avoidance guides to the summary of the plan, an article is very clear.
Cut the crap and go straight to dry goods!
First, parents over 50 years old insurance guide to avoid pits
1. Giving parents serious illness insurance is not the point.
If your parents are over 50, don't buy critical illness insurance. The essence of critical illness insurance is income compensation insurance. If parents have no income, it is not necessary. The most important thing is that when you buy critical illness insurance at the age of 50, it is easy for the premium to be upside down, that is, you pay more insurance. Take chestnuts for example. When you buy a critical illness insurance at the age of 50, you have to pay 10000 a year, 10 years, and you have to pay 10000 in total. However, if the cancer is diagnosed, you can compensate 100% of the insured amount, only 80,000, and the compensation is more than the compensation. Is it not cost-effective for everyone to pull down the abacus?
2. Don't give priority to configuring term life insurance for parents.
Term life insurance is a necessary insurance for the backbone of the family economy, which can effectively protect the family economy from being affected when the backbone falls down. Parents are over 50 years old and are no longer the main source of income at home, so there is no need to buy term life insurance.
3. Don't give priority to configuring return insurance for parents.
Before buying, I thought I could "treat diseases and refund money without illness", but the imagination was beautiful and the reality was very skinny. There are two big pits in the return insurance. Don't buy them for the elderly. Be careful of yourself and your children!
The first pit: expensive, generally thousands of dollars more expensive than consumer insurance, and not much money is returned. It is more cost-effective to deposit thousands of dollars in the bank regularly every year than to return the money.
The second pit: it will not be refunded after the claim, as long as it is settled after illness. Then the extra thousands of dollars paid every year are wasted.
In short, it is definitely not a simple matter to buy insurance for parents aged 50-80. Besides avoiding the above three kinds of pits, you should also be extra careful when choosing products. If you are not careful, you may step on the pit.
Second, the correct way to buy parental insurance
Parents aged 50-80 have two kinds of insurance, which are cheap and practical:
1. Million medical insurance-necessary for parents
Millions of medical insurance is mainly reimbursement for serious illness, and the reimbursement amount is as high as one million. After deducting the deductible 1 0,000, eligible expenses can be reimbursed 1 0,000%. A qualified million-dollar medical insurance should include six guarantees: hospitalization, outpatient surgery, special outpatient service, outpatient and emergency services before and after hospitalization, special drugs for malignant tumors outside the hospital, and proton heavy ions, and it is best to guarantee renewal for 20 years.
It is still very practical to buy millions of medical insurance at the age of 50, which costs more than RMB 1000 a year. However, the health information of Million Medical Insurance is strict. If there are health problems such as high blood pressure and heart disease, basically bid farewell to millions of medical insurance. The good news is that this year, a million-dollar medical service called "universal insurance" was launched. There is no health requirement, even if there is a serious illness such as cancer, you can buy it directly.
2. Accident insurance-a must for parents
Osteoporosis in the elderly, inflexible legs and feet, insensitive reaction, and even climbing stairs and wrestling are common. Injured 100 days, parents may still love to be brave, want to save money, and refuse to go to the hospital for treatment and review, so accident insurance is necessary. Accident insurance can reimburse accidental injuries, such as burns, falls, fractures, etc., which is very practical for the elderly.
A qualified accident insurance should have three basic guarantees: accidental death, accidental disability and accidental medical treatment. In addition to buying accident insurance for parents, we should also pay attention to the protection of accidental hospitalization allowance and fracture/dislocation allowance. It's not expensive to buy accident insurance in your 50 s, but you can get it over 300 a year, which is almost the money for eating out. Although accident insurance is cheap, it is easy to step on the pit if you are not careful. Specially presented the parents' accident insurance recommendation.
3. Pension-buy if you have money.
In addition to the risks of diseases and accidents, there is also an urgent problem: providing for the aged. If you have spare money, you can supplement a commercial endowment insurance.
At present, there are two popular ways to reserve for the aged:
Increase whole life insurance → flexible deposit and withdrawal, lock in the predetermined interest rate of 3.5% for life, and get a pension by applying for insurance reduction.
Pension annuity insurance → receive it regularly, and do not take the initiative to receive pensions on time and on a monthly basis.
No matter which one you choose, you must first configure millions of medical insurance and accident insurance. After all, the essence of insurance is "the applicant", so don't put the cart before the horse. In addition, the increased investment in whole life insurance/annuity insurance must be "spare money" that has not been used for a period of time. Because this is a long-term plan, the investment of money will take some time, and the cash value can exceed the investment amount. Don't buy money that will be used in a short time.
III. Recommendation of medical insurance for 10,000 people aged 50-80
Millions of medical insurance requires strict age and health status. The big choice is based on age and physical condition, so choose from these three products.
1.50-70 years old choose Chang 'an.
The safety responsibility of Changan Million Medical is particularly excellent, but usually people over 55 will not be recommended to choose the big choice as soon as they come up. Because Ping 'an Changan is 70 years old, but over 55 years old, it needs a physical examination. After the medical examination, you can't buy it until the insurance company approves it.
However, recently, Chang 'an opened a medical insurance channel for people aged 56-70, and they can buy it as long as they meet the health notification or underwriting. As of June 30th, friends in need should hurry up. Ping An Company underwrites, guarantees renewal for 20 years, provides comprehensive protection, and provides rich value-added services such as hospitalization advance payment. Look at the picture carefully, or talk directly to the big choice in the background.
Let me talk about two key points of peace and stability:
The deductible can be reduced to 5000 yuan.
The deductible of Ping An Chang 'an is 1, 000 yuan. If there is no claim in the previous year, the deductible can be reduced by 65,438+0,000 yuan every year. The maximum can be reduced by 5000 yuan, that is, the deductible can be reduced to 5000 yuan. For example, at the age of 50, the insured has been in Chang 'an, and there is no claim. At the age of 56, the deductible is 5000 yuan. The medical expenses are 654.38+10,000 yuan, and the remaining 60,000 yuan after medical insurance reimbursement. The reimbursable amount is: (60,000-5,000 yuan) ×100% = 55,000 yuan.
(2) Special drugs for cancer outside the hospital should be increased.
Ping An Chang 'an's "special medicine for malignant tumor outside the hospital" needs to be added extra, so remember to check it when you apply for insurance. Covering 100 kinds of out-of-hospital cancer special drugs, if written into the contract, it can also guarantee a 20-year renewal fee. The highest insured age in Chang 'an is 70 years old, and health information is strict. If you buy millions of medical insurance for your parents over 70 years old, or you can't pass the health notice, you can consider enjoying the worry-free version.
2.7 1-80 years old, choose a doctor and enjoy the worry-free version.
As usual, let's see what it protects first. The maximum insured age is 80, and the insurance will be renewed for 5 years. Even if the claim is due to illness or the product is discontinued, the insurance can be unconditionally renewed. Buying at the age of 80 can also guarantee renewal until the age of 85, which is a rare medical insurance in the market that can guarantee renewal over 70 years old.
The insurance covers 123 kinds of out-of-hospital cancer-specific drugs and 2 kinds of CAR-T-specific drugs, but there is an extra charge. Remember to check when you insure. The deductible without claims can be reduced by 1000 yuan every year, and the minimum can be reduced to 6000 yuan. Health advice is relatively loose, even parents with high blood pressure, hyperlipidemia and hyperglycemia can buy it.
3.50-80-year-olds who have had a serious illness choose public insurance.
If the physical condition is serious, such as cancer, heart disease and other serious diseases. Then you can't pass the health notice of the medical worry-free version, so you can only buy public insurance. China People's Insurance Company has no health notice, and the insured age is up to 80, even if it is seriously ill. Hospitalization and special drugs can be compensated, and additional value-added services such as proton heavy ions, medical care first, and green links for serious diseases are also in place.
Four. Recommend accident insurance for 50-80 years old.
Accident insurance requires less physical conditions, but more restrictions on age and occupation. Choose or divide according to age and health status, and recommend three products.
1.50-55 years old, choose Burt's Bee No.3 1 10,000.
296 yuan a year can buy 6.5438+0 million insurance coverage. The amount of reimbursement for accidental medical treatment is 65,438+10,000 yuan, which is not limited to medical insurance, and 0 is free of compensation, and the reimbursement is 100%. There is also an accidental hospitalization allowance of 150 yuan per day, with a maximum compensation of 27,000 yuan per year. You can also pay extra for accidents in transportation. The maximum additional compensation for civil aviation death is 6,543,800+million. If you have an accident when you travel by private car on holidays, you can pay an additional 600,000 yuan.
However, it should be noted that 1 10,000 version of Burt's Bee No.3 is only insured for 18-55 years old, and there are insured cities and exempted hospitals, which are not available in all cities.
It is recommended to click on the following link to see it clearly before buying:
2.56-60 years old, 500,000 choose Burt's Bee 3.
156 yuan for one year, with an insurance coverage of 500,000 yuan. The amount of reimbursement for accidental medical treatment is 50,000 yuan, which is not limited to medical insurance, with 0 free compensation and 100% reimbursement. There is also an unexpected hospitalization allowance, which can be 100 yuan/day, with a maximum of 1.8 million a year. There are additional traffic accident compensation and sudden death protection. The maximum compensation for accidental death of private cars on holidays is: 500,000+300,000+300,000 = 165438+ 10,000. However, it should be noted that there are still restrictions on health notification, insurance city and hospital exemption, so you should read it clearly when you apply for insurance.
3.6 1-85 years old, choose Xiao Xin' an No.3.
You can buy it at the age of 85. There are three versions to choose from. You can buy it as low as 1 15 yuan, just choose according to your own budget. Accidental medical treatment can be reimbursed for expenses out of the medical insurance catalogue, with 0 deductible, 100% reimbursement. There are accidental hospitalization allowance and accidental ICU hospitalization allowance, and ICU hospitalization can receive a maximum of 200 yuan/day. There is also an accidental fracture/dislocation allowance for the elderly. According to the severity of the fracture, the maximum compensation can be 1.2 million.
Just mention the value-added service of Xiao Xin 'an No.3, providing one-stop service from seeing a doctor to leaving the hospital. Can accompany and assist in seeing a doctor, can help take care of you in the hospital, remind you to take medicine after intravenous drip and call a nurse in time. It is a very practical and intimate service to come to the hospital to help wash your hair and face, take oxygen and change the catheter.
Verb (abbreviation of verb) pension suggestion
Some people may worry about their parents' pension and want to arrange a commercial pension for their parents. The big choice will be calculated with you. It is not worthwhile to buy a pension for parents aged 50-80. So, which is better, increasing whole life insurance or pension? Take two popular products, namely, the whole life insurance with Golden Man Collector's Edition and Bright Life Wisdom Pension, for example, to see how much money you can get after you buy a pension at the age of 50.
For example, a 50-year-old woman pays 65,438+10,000 yuan a year for five years, and starts to receive money at the age of 60, and receives 37,400 yuan a year. At the age of 60, he began to receive money and received 37,400 a year. At the age of 80, the accumulated money will be 1.0725 million, and the principal of 500,000 will be doubled directly. However, at the age of 85, Kim was satisfied with the cash value of the collector's edition. After receiving 17755 yuan, you can't get money from the age of 86.
Guangming Yisheng Huixuan version of the pension is very good, as long as you are alive, you can always receive money. After receiving 100 years old, the accumulated money received was 2.942 million, almost four times the principal. Therefore, if there is a clear pension, it is recommended to choose the Bright Life Smart Pension. Special purpose, never too old to learn.
If you just want to save a sum of money, it may be used for old-age care or left to your son to buy a house. It is also recommended to choose the Gold Satisfied Collection Edition. As long as you don't accept it, you can put it in your account at any time for compound interest appreciation.
VI. Summary of Parents' Insurance Scheme for 50-80 Years Old
Finally, the big choice once again emphasizes that health advice must not be ignored when buying insurance for parents. Just stare at the guarantee responsibility and compare it. In case the health notice fails, even the best products are useless. If you are really worried, you can also click on the link below and choose 1 to answer.