Let's take a look at it separately:
1, accident insurance
Accident insurance is a universal demand and has nothing to do with our health. If you are 80 years old, you can still buy accident insurance, then the elderly can at least buy an accident insurance. Here, everyone has compiled a list of accident insurance suitable for the elderly. Come and have a look: What should I pay attention to when buying accident insurance for the elderly? The recommended list of accident insurance for the elderly is freshly released!
Because the elderly have no income and family responsibilities, plus problems such as inflexible legs and feet and osteoporosis, accidents such as fractures are more common. Therefore, it is not particularly important to buy insurance for the elderly, but we can focus on unexpected medical care and social security for external use.
2. Millions of medical/cancer prevention medical insurance
Because the elderly do not have too many family responsibilities, it is natural to avoid medical expenses caused by diseases. In this way, medical insurance is the best choice, and most medical insurance does not pay attention to specific diseases. At present, the price of millions of hospitalization medical insurance in the market is not very expensive, and the maximum amount of insurance can be several million.
If the elderly have health problems such as "three highs" and diabetes, and they can't buy millions of medical insurance, anti-cancer medical insurance is also a good choice.
3. Cancer prevention insurance
It is not recommended for people over 50 to buy critical illness insurance. On the one hand, the old premium is high, but the insurance amount is limited, and the leverage is not cost-effective.
On the other hand, the health problems of the elderly are generally large, and the health information of critical illness insurance is strictly controlled and it is difficult to pass.
Malignant tumor is the first payment in critical illness claims, accounting for 67%, and the price of cancer insurance is almost 60%-70% of that of critical illness insurance, so the pricing is more reasonable.
Here is an introduction to what kind of insurance the elderly should buy. If you still don't know how to configure insurance for your parents, you can pay attention! We will take a professional, objective and neutral attitude, and tailor your insurance plan from 1 to 1, and never let you spend more money!