2024 Chinese New Year Special.
The Spring Festival is approaching, and many friends want to take advantage of the reunion to equip their parents with insuranceBut how to buy it is a headache for everyone
On the one hand, my parents have worked hard for decades, and their bodies have more or less minor problemsA lot of insurance can't be bought；And can buy the product, according to their age,**Generally and expensive
In order to help you solve these problems, we have specially prepared this issue of the Parents Insurance ListLet everyone spend less money and buy more practical insurance for their parents
The content is mainly divided into the following three parts:
Buy insurance for your parents, these 2 are cheap and practical
Mom and Dad's medical insurance, these 4 are very good
Buy accident insurance for your parents, these 5 are more cost-effective
The brief conclusions are as follows:
Buying insurance, medical insurance and accident insurance for parents is a must。They can solve the problems of medical expenses caused by serious illnesses and accidents, and they are not expensive, and they belong to "spending small money and doing big things".
Let's first take a look at the key points of protection of the two types of insurance, and friends who have understood it can look at it directlyClause.
The corresponding products of the second and third parts.
1. Medical insurance
The medical insurance suitable for parents is mainly one million medical insurance and cancer prevention medical insurance, which are compared as follows
We prioritize million-dollar medical insurance, Hospitalization generates eligible expenses, and we can use it to report the part that we need to bear after the medical insurance is reimbursed, and after deducting the deductible, the rest can basically be reimbursed, which is very practical.
However, it is difficult to buy million-dollar medical insurance, and if your parents are too old or in average health, such as high blood pressure, diabetes, etc., they may not be able to buy it.
At this time, you can also consider cancer prevention medical insurance, which has a lower purchase threshold, although it can only reimburse the various expenses generated by cancer, but the cancer itself is the most prevalent, and the cost is expensive, and it is also very good to be insured.
2. Accident insurance
When parents are older, their eyesight, reactions, and mobility will deteriorate, and the probability of accidents will be higher.
In addition to reimbursing the medical expenses caused by accidents, accident insurance can also cover accidental death and disability, with a premium of only a few hundred yuan a year, which is very cost-effective.
Let's talk about which ones to pay attention to when buying these two types of insurance and which products are worth choosing.
To buy million-dollar medical insurance or cancer prevention medical insurance, we mainly focus on 3 aspects:
Renewal Conditions:Priority will be given to products with a long guaranteed renewal period, such as a 20-year guaranteed renewal for Million Medical Insurance and a lifetime insurance for cancer prevention medical insurance;
Coverage:The more important ones are outpatient and emergency before and after hospitalization, inpatient medical treatment, special outpatient clinics, outpatient surgery, tumor drug purchases, etc., and we should also pay attention to the reimbursement ratio and deductible;
Value-added services:What is more important is the green channel for hospitalization and the advance payment of hospitalization expenses.
According to these items, we have selected 4 good medical insurances, let's take a look:
1. Blue Medical Insurance Long-term Medical Insurance (Individual Edition): Guaranteed renewal for 20 years, up to 65 years old can be purchased
Blue Medical Insurance Long-term Medical Insurance (Individual Version) is underwritten by Pacific Health Insurance, and the coverage is very comprehensive, and the coverage of purchased drugs is written into the contract, and the renewal of the policy is also guaranteed for 20 years after addition.
But it has relatively high health requirements, and if you want to buy it for 55 years old and above, you need to have a physical examination and a human nucleus. If you are worried that you will not be able to buy it, you can also take a look at Good Medical Insurance and Long-term Medical Care (20-year edition).
The health notice and underwriting of good medical insurance are relatively relaxed, such as not asking about the abnormal physical examination within 1 year, and even a chance to buy a cancer, which can also be guaranteed to be renewed for 20 years, but the maximum price of purchased drugs can only be reported to 90%.
If you can't buy either of these two, you can also take a look at the following one.
2. Medical Carefree Benefit Edition - Personal Edition: Loose disease underwriting
Medical Carefree Benefit - Personal Edition is underwritten by Ruihua Health Insurance Company, which can be guaranteed to be renewed for 5 years, and can be purchased up to 69 years old; If you choose the family version, you can still buy it up to 80 years old.
The intelligent underwriting of this product is also relatively relaxedLike the three highs and nodules, there is a chance to be covered normally.
If you have chronic diseases such as high blood pressure, diabetes, etc, you can also consider Zhong'an** Property Insurance's Exclusive e Life 2023, the underwriting is also very relaxed, and you can buy it up to 70 years old.
Finally, if there are some serious diseases such as cardiovascular and cerebrovascular diseases, you can't buy millions of medical insurance, you can also choose Blue Medical Insurance Lifetime Cancer Prevention Medical Insurance, which can be bought up to 70 years old, guaranteed lifelong renewal, and you can be insured for a lifetime if you buy it.
Medical insurance health notice is more complicated, and if you fill it out casually, you may be denied a claim, and if you are not sure whether your parents can apply for insuranceYesClick the card belowto make an appointment with a professional planner to assist.
When choosing accident insurance for your parents, give priority to accident medical protection, including the scope of reimbursement (whether it is not limited to social security), the reimbursement ratio, the deductible, and whether the hospital where the parents usually live can be reimbursed.
There are 3 things to keep in mind when applying for insurance:
Age:Parents under the age of 60 can give priority to **accident insurance, which is more cost-effective; If you are over 60 years old, you can choose old age accident insurance;
Occupation:Most accident insurance limits 1 to 3 types of insurance, if your parents are working on the construction site, you may have to choose high-risk accident insurance, if you are unemployed, some accident insurance has a limit on the amount insured;
Health Notice:Most accident insurance has health notices, although it is relatively relaxed, but it should also be checked well.
The above details can usually be seen in the insurance instructions of the product.
Let's take a look at the specific products.
1. Little Bee No. 5 (Collector's Edition): cost-effective, the first choice for children under 55 years old
Little Bee No. 5 (Collector's Edition) is underwritten by Pacific Property & Casualty Insurance, with comprehensive coverage of 500,000 accidental death and disability and 300,000 sudden death coverage.
Accident medical treatment can be reimbursed without limitation to the scope of social insurance, and it comes with special protection ...... such as hospitalization allowance and fracture compensationAnd 156 yuan can be guaranteed for one year, and the overall cost performance is very high.
But it can only be bought for people aged 55 at most, and friends aged 56-60 can consider Little Bee No. 3 or Qinglongwei No. 2 (Premium Edition), which is also very cost-effective.
2. Concentrate on Accident Insurance for the Elderly 2023 (Upgraded Version): Cost-effective, the first choice for people over 60 years old
Accident Insurance for the Elderly 2023 (Upgraded Version) is underwritten by Ping An Property & Casualty, and can be purchased up to 80 years old, and the insured occupations have been relaxed to 4 categories, such as plasterers and carpenters.
It has 30,000 yuan of accidental medical treatment, reimbursement is not limited to social security, and after social security reimbursement, 100% reimbursement will be made within the scope of coverage. In addition, you can receive an allowance of 80 yuan per day for accidental hospitalization, and there is also an insurance benefit of 2,000 yuan for accidental fracture and dislocation.
However, the health requirements of this product are stricterFriends with secondary hypertension, diabetes, etc. cannot buy it, in this case, you can choose the following product.
3. Xiaoxin'an No. 3 Accident Insurance for the Elderly (Plan 2): Loose insurance, ** very cheap
Hyao Xin An No. 3 Senior Citizen Accident Insurance (Plan 2) is underwritten by Pacific Property & Casualty Insurance, and the maximum age of entry is 85 years old.
It has 30,000 yuan for accidental medical treatment, reimbursement is not limited to social security, there is an accidental hospitalization allowance of 50 yuan a day, ** is also very cheap, and only 157 yuan for 60 years old.
Its health advice is also very lenient, regardless of high blood pressure, diabetes,Like cancer if it has been operated on and has not metastasized, there is also an opportunity to buy.
In addition, you can also consider PICC Property Insurance's Big Armor No. 5 Accident Insurance (Senior Version) (Deluxe Edition), which has 50,000 yuan of accidental medical treatment, and the health notice only asks about serious diseases such as malignant tumors and strokes, and does not ask about blindness, disability, etc., which is very lenient.
When I was a child, my parents were our supporters, and when we grew up, we had to support them.
Configure insurance for parents, they don't have to worry about medical expenses, and we can feel a lot more at ease, which is the happiness of children.
If you want to have insurance for your parents, you canClick the card belowto make an appointment for a one-on-one insurance consultation service
If you have any questions, please leave a message