How to buy insurance for the elderly
According to the survey, in addition to daily life, the elderly are the biggest expenditures of the elderly, accounting for 40% of the monthly expenditure, of which 80% of the expenses are taken by medical treatment.
As a younger generation, you should give your parents a little filial piety and send an insurance.
The protection needs faced by people to the elderly are mainly the following: health care, accidental injury protection, and pension protection.
銆€銆€Health insurance mainly refers to major illness insurance, lifelong medical insurance, etc.
Older people belong to the disadvantaged groups of society, and their probability of being sick is much greater than that of other people.
It is precisely because of this that insurance companies are relatively strict in reviewing health insurance for middle-aged and elderly people.
Many insurances are covered by the age limit for insurance, annual discipline, and premiums are exceeded.
So the insurance plan should be as early as possible.
銆€銆€Accident insurance should be the first choice for older people to buy insurance.
The probability of accidental injury among disabled people in the elderly is higher than that of other adult groups, especially traffic accidents, accidental falls, fires and other injuries to the elderly.
And the premium is also cheaper.
At present, the domestic insurance coverage for accident insurance is limited to 65 years of age. If your child intends to purchase such insurance for the elderly, pay special attention to this.
銆€銆€Pension insurance is a guaranteed product for the elderly.
China Life’s new product, “Guo Shou Fu Lu Man Tang Pension Insurance” is a dividend-type pension product.
The elderly who are 0-64 years old are called insured.
The payment period is divided into one-time payment, 5 years, 10 years and 20 years.
Retirement annuity can be collected at the age of 50, 55, 60 and 65. The method of change is to change the age, and the month is the same. Whenever you receive it, you can guarantee a minimum of 20 years or 85 years.