First, how to buy medical insurance for the elderly
The elderly belong to the social vulnerable groups, and the possibility of their own illness is greater than other groups. Under the condition that the national social medical security system is not perfect, it is necessary to seek more comprehensive health security through commercial medical insurance. Therefore, when the elderly consider buying insurance, the first thing they need to consider is medical insurance. So how do you buy medical insurance for the elderly?
1. The elderly participate in medical insurance at their registered permanent residence. In case of illness and hospitalization, some expenses can be reimbursed.
2. The elderly are insured with lifelong critical illness insurance. This kind of critical illness insurance has a certain amount of coverage because it pays the premium first. If you have a serious illness, the insurance company will pay the insurance amount for treatment in one lump sum. If you die healthy, the insurance amount can be left to your family at the end of your life.
3. You can choose varieties whose insurance coverage can be increased after the age of 65. One is to avoid the risk of inflation, and the other is that the health of people after the age of 65 is declining and needs more protection.
4. If you are worried about hospitalization, you can attach hospitalization subsidy insurance.
When the elderly buy medical insurance, they should first consider supplementing hospitalization medical insurance and accident medical insurance. On the premise of relatively perfect supplement, they can properly consider the remaining amount to make critical illness insurance. There are long-term and short-term medical insurance for the elderly. It is suggested that the medical insurance for the elderly can be chosen according to their own needs. Insurance can be insured online in Ping An Insurance Mall, which is not only simple and fast, but also enjoys more premium concessions.
Second, how to choose endowment insurance
At present, the endowment insurance in the provincial market is mainly divided into three categories.
1, medical insurance
2. It's accident insurance.
It is life insurance.
For the elderly, the most important thing is medical security. After the medical reform, medical reimbursement has a deductible line, an upper limit and a reimbursement ratio. In this way, if you are unfortunately suffering from a major disease with huge expenses, individuals will have to bear a large proportion of medical expenses. In addition, with the growth of age, physical fitness declines, and the chances of accidental injuries for the elderly are relatively high. Many minor injuries cost one or two thousand yuan. What's more, there are still many elderly people who have not participated in social security insurance at all.
For the above two risks, the most targeted products of insurance companies are: critical illness insurance and accidental injury medical insurance. The latter is very cheap. As long as 100 yuan per year, you can get an annual reimbursement amount of 5,000 yuan for medical expenses caused by accidents. In addition, the probability of accidental injuries to the elderly is higher than other age groups, especially traffic accidents, accidental falls and fires. Therefore, accidental injury insurance should also be an important choice for the elderly to buy insurance. But the problem lies in the critical illness insurance-about 50 years old (based on the risk control system of insurance companies, 50 years old is generally a threshold for buying insurance products. ), the rate is much more expensive than young people.
It is worth mentioning that among the elderly over 60 years old, a considerable number of elderly people have strong insurance awareness and are willing to actively participate in insurance. As a risk management unit, the older the insured, the higher the risk rate and the greater the risk, so it is very difficult for insurance companies to control the risk. China's commercial insurance companies have a short development history and lack of experience and data collection, which is reflected in the fact that they have to be more cautious in actuarial science, which is also an important reason for the lack of insurance products for the elderly. I believe this situation will gradually improve.
In the choice of endowment insurance, we should choose products with stability and continuity, that is, when we reach retirement age, we can guarantee a fixed annuity every year and get it as long as we are alive. Life annuity products with dividend nature are also a good choice, and the dividends of such products can resist the depreciation of assets brought about by inflation. As long as you live to a certain age, the insurance company will start to pay regularly, and you can get it as long as you are alive. This is the unique feature of this kind of insurance products.
For the old people who leave after retirement, it means slowly stepping into old age. For them, it's like experiencing a second life. In order to enable the elderly to live a healthy and happy old age, the problem of purchasing medical insurance for the elderly can not be ignored.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.