Parents who are 65 years old should give priority to accident insurance and cancer insurance as needed. Due to age and health problems, it is relatively difficult for the elderly to buy insurance. To buy insurance for the elderly, you must first know some tips. If you need it, you can check out How to buy insurance for middle-aged and elderly people? What kind of insurance can I buy for my parents? You will understand at a glance
1. Prioritize accident insurance
Old people over 65 years old are not as good as young people in physical fitness, so they will inevitably have some minor accidents. There are many accident insurance products for the elderly and the prices are low. It is a cost-effective product and the threshold for product insurance is low. Insurance companies usually launch relevant insurance products for the elderly. It is recommended that when children purchase products for 65-year-olds, the basic accident insurance amount should be more than 100,000 yuan, and the accident medical insurance amount should be more than 10,000 yuan, so that the insurance can play a protective role. .
2. Configure anti-cancer insurance on demand
There is a kind of insurance that specifically protects cancer, called anti-cancer insurance. There are two types of anti-cancer insurance. One is anti-cancer insurance, which is similar to critical illness insurance, and will pay out when cancer is diagnosed; the other is anti-cancer medical insurance, which is similar to medical insurance and is used to reimburse the cost of cancer treatment. This type of insurance has low fees, high insurance coverage, and loose health notifications; high blood pressure, coronary heart disease, etc. can be insured.
The elderly are much more likely to get cancer than young people, so it is very necessary to equip the elderly with a suitable cancer insurance. Moreover, cancer insurance is generally available to those over 70 years old, and some products can even be insured by those under 75 years old. It is recommended that the 65-year-old elderly people buy cancer insurance with a sum insured of no less than 200,000 yuan, because if the sum insured is too low, the protection effect will not be obvious, and families with sufficient financial conditions can increase their protection expenditure.
If you are still unclear about how to buy insurance for your parents, you can consult with Naibabao. Naibabao is an Internet third-party insurance consulting platform that focuses on insurance research and provides policyholders with disaster prevention and loss prevention. , risk assessment management and other consulting services, while formulating insurance plans, selecting insurance companies and handling insurance procedures for policyholders, and assisting the insured or beneficiary in making insurance claims.