My parents live in their hometown in the countryside, and they only have the New Rural Cooperative Medical System, so what kind of insurance should they buy?
This may be a problem that many of us young people who work in big cities will worry about.
Last year, the father of one of our female colleagues fell down while working in the field, and refused to go to the hospital because he was worried about the money, and he kept hiding it from her, afraid that she would worry about it alone in the field.
This is still when I was talking to my mother, I accidentally said that she didn't know about it, hey, my parents have been frugal all my life, reluctant to eat and reluctant to spend, and always say that it is good to endure it when I feel uncomfortable, which really makes her feel sad and guilty.
Considering that her parents only bought NCMS and there were many reimbursement restrictions, she was very afraid that if her parents suddenly became seriously ill, she would not be able to afford the expensive medical expenses. She realized that the top priority is to buy insurance for her parents and complete the protection, so that even if there is an accident or illness, the medical expenses can be reimbursed, and there is no need to worry about no money**, so that her parents will not be distressed about money and dare not go to the hospital.
Then I will take this opportunity to share with you today: the two types of insurance that are most suitable for rural parents to buy, cost-effective and practical, as well as practical matching with suitable plans for parents, can definitely make you avoid detours, let's take a look!
First of all,If your parents are around 50 or 60 years old and relatively healthy, buy a million medical insurance as soon as possible!
And now the best products on the market can do itGuaranteed renewal for 20 yearsAs long as you buy it, you can lock in the protection problem for the next 20 years, which is very reassuring!
* It's not expensive, parents in their 50s buy it, and the annual premium is only more than 1,000, and we can afford it, which is very useful when you have a serious illness.
It can solve the problem that we ordinary people can't afford to see a doctor, and the part of the general hospitalization of more than 10,000 yuan can basically be reimbursed after being reported by medical insurance (called NCMS in rural areas); There are also special drugs and expensive drugs that cannot be reimbursed by medical insurance, and millions of medical insurance can also solve them.
For example, my mother has a regular life and rest, and is in good health, so she successfully bought a million medical insurance for her;
That's like my dad, usually cigarettes and alcohol do not leave his hand, there are three highs and relatively old, health can not be informed, it is difficult to buy, then you can also settle for the second, buy a cancer medical insurance, although only for cancer, not as complete as a million medical insurance, but also very practical!
Because cancer is very high, we only need to spend more than 1,000 a year, in case of real misfortune with cancer, basically the first fee can be reimbursed, and the product should try to choose a lifetime guarantee renewal, so that a lifetime can be guaranteed.
Summary: But unfortunately, the above two kinds of products with low premiums and conscientious protection, you can rarely hear from the salesman, because the commission is too low! Therefore, they generally do not take the initiative to recommend, or they will sell it to you if they want to sell it to a very expensive insurance company.
But I'll tell you, there are too many millions of medical insurance and cancer prevention medical insurance that can be bought separately on the market, and it's very cheap, and you don't need anything you don't need, so you're forced to buy a bunch of low-cost and impractical insurance, which will be introduced in detail below.
I spent a week comparing and evaluating nearly 700 medical insurances, and I will find you the following top-notch ones, you can refer to this ** to choose products, and you will not be deceived by stepping on the pit.
The conclusion of the evaluation is as follows:
If the parents are in good health and seek comprehensive protection:The first choice is blue medical insurance, which can guarantee the renewal of the insurance for 20 years, 100% reimbursement of purchased drugs, and is written into the terms of the contract, and the protection advantages in all aspects are more obvious!
Changxiangan is also very good, it is also guaranteed to be renewed for 20 years, the protection of purchased drugs is very complete, and in the case of no claims, the deductible can be reduced year by year, which is also worth considering!
Tips: The health requirements of the above two products will also be relatively high, and if you are over 55 years old, you need to provide a physical examination report for manual underwriting. If you already have some health problems and are worried that the underwriting will not be approved, you can apply for the following products first, and then carry out manual underwriting.
If you are physically abnormal or old, you can consider buying medical insurance and long-term medical care (20-year version), health notice, underwriting is more relaxed, such as not asking about the abnormal physical examination within 1 year, and even A cancer has the opportunity to buy, and it can also be guaranteed to be renewed for 20 years, but the maximum price of purchased drugs can only be reported at 90%, you should pay attention
Medical Carefree Benefit Edition - Personal Edition 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 will have the opportunity to buy it up to 80 years old, and the three highs and nodules will have the opportunity to be covered normally, which is very friendly!
In addition, if you have health problems such as cardiovascular and cerebrovascular diseases, or are older, you can choose Blue Medical Insurance Lifetime Cancer Prevention Medical Insurance, which can protect against high-incidence cancers, up to 70 years old, and the policy is guaranteed to be renewed for life.
Considering that the terms and conditions of medical insurance and health notices are extremely complex, if you are still unsure about the physical condition of your parents or family members after reading the conclusion, you can buy which one has the most comprehensive protection and will not be deniedClick on the card belowConsultation, there are professional planners to answer patiently:
If you have a tight budget, you can also see if there is any Huimin Insurance in your local area.
It is basically not limited to age, and there is no health notice, even if you are ten years old and have a serious illness, you can buy it.
Of course, the protection is a big difference, and the reimbursement threshold is very high, generally only insuring hospitalization medical expenses and special drugs, and generally only 50% 80%.
That is to say, if it is not a serious illness, it is almost impossible to use Huimin Insurance, and if it is a serious illness, it can only partially reimburse;
At present, it is a one-year guarantee, and there is no product that can be guaranteed to be renewed for the time being, and it is uncertain whether it can continue to buy in the next year.
Therefore, if our parents are healthy and can buy millions of medical insurance, there is no need to consider Huimin Insurance.
After all, Huimin Insurance still has a lot of shortcomings, and it is recommended that you give priority to the million-dollar medical insurance with a higher reimbursement ratio and guaranteed renewal, which has better protection!
Finally, let'sAnd with an accident insurance for the elderly, then the protection is complete, because parents are old and easy to fall, if you accidentally knock while walking, buy an accident insurance can be compensated, and the annual premium is one or two hundred, which is very cost-effective
The above types of insurance, no matter what age parents are very practical, can even be said to be life-saving, it is recommended to have one.
Regarding buying insurance for parents, I have compiled 2 common questions that I hope will help you understand further.
Q1: Can I secretly buy insurance for my parents?
Here is a solemn reminder that such an operation may lead to the invalidity of the insurance contract!
This specifically refers to buying products that include death liability for parents, such as accident insurance, life insurance, and critical illness insurance that protects death, and must be agreed by parents, otherwise the contract is invalid!
If it is a product without death, such as medical insurance, although it is not clearly stipulated that parental consent is required to buy it, it is best to inform them in advance and confirm with them about their health status.
You should also remember to remind your parents not to exaggerate your condition when you see a doctor to avoid affecting your claim.
Q2: Do parents need to have a medical examination before buying insurance?
No, unless required by the insurance company.
When you buy insurance, you just need to tell the truth according to your physical condition at that time, and follow it".Answer any questions, don't ask, don't answer"Principle.
If you go for a physical examination and find out the problem, it may affect the purchase of insurance, and the gains outweigh the losses.
I remember watching a TV show, and a female host interviewed an old woman, and she said that she had a unique "old man's smell" in her.
When she asked the grandmother how often she bathed, the grandmother's answer made her choke, and the old man said:
I usually try not to take a bath, and at my age, living alone, taking a bath is a very dangerous thing. In case I fall and become paralyzed, the rest of my child's life will be delayed. ”
We always think that our parents are invulnerable, but in fact, they will grow old, and they are also afraid of getting sick, but what scares them more than illness is the drag on their children.
I hope today's sharing can give you some inspiration, and give parents a reliable and comprehensive guarantee within the scope of their ability, so that they can live more confidently in their later years.
The tree wants to be quiet and the wind does not stop, the child wants to raise but does not wait, may the parents of the world live a long and healthy life :)