The list of insurances that I shared before was very enthusiastic and the amount of praise was especially high.
However, we also found that there is a class of high-frequency messages saying: "I have all been configured, and I want to buy insurance for my parents. What should I buy?"
Last week, I made a parental protection plan for my friends.The two old people in their 50s are equipped with 500,000 accident insurance + 3 million reimbursement for medical insurance, and the total premium for one year is about 2,500 yuan.
I don’t spend a lot of money, I can do our filial piety. Let's talk in detail.
Before the specific introduction, give you a list of parental protection. In this order, we improve the protection for our parents step by step.
01 Buy insurance for parents, don't ignore these two premises
1. The first thing for parents: paying for medical insurance
We have mentioned many times that social medical insurance is the most basic and cost-effective guarantee for our families. The same is true for parents.
If your parents don't have health insurance yet, you can call the local social security bureau at 12333. Whether it is resident medical insurance, or the new rural cooperatives are counted.
2. Pay attention to the cost performance, choose the necessary and cost-effective commercial insurance
Some friends are very worried about the protection of their parents. They have bought a lot of insurance for long-term insurance and even for life. They have to pay tens of thousands of yuan in premiums a year, which is very stressful.
In fact, parents are older, and then buy high-value long-term critical illness insurance and life insurance, the effect of the guarantee is not obvious, and even the premium may be higher than the insurance amount.
For example, a certain type of critical illness insurance with good price/performance ratio:
For the 55-year-old man to buy, the highest can only buy 100,000 insured amount. Guaranteed to 70 years old, 15 years in a row, the total premium exceeded 200,000 yuan.
It may be that in the first few years of paying premiums, there is still a relatively high level of security leverage, but the more it goes, the less cost-effective it is.
For the elderly of the parents, what insurance is suitable for them?
02 What are the appropriate options for commercial insurance for parents?
1. Comprehensive accident insurance: all need to be configured
The elderly are weaker, and the risk of sprains, falls, and fractures is also rising. It is very important to arrange an accident insurance for parents: mainly for accidental death/disability.
In the market, many adult accident insurance can be guaranteed to 65 years old. And if the parents have exceeded this age, there are also special old age accident insurance can be configured, and some products can guarantee the super high age of 85 years old.
The price is not expensive. Generally, if you pay two or three hundred yuan a year, you can exchange 100,000 yuan of protection, which is more cost-effective.
2. Medical insurance: can guarantee as much as possible
Generally suitable for parents under 60 years old and healthy
If your parents are in good health and are under the age of 60, you may also consider configuring commercial medical insurance to reimburse medical expenses outside the medical insurance.
For example, a 55-year-old man who purchases a certain type of medical insurance pays 1,066 yuan a year and can get a guarantee of 3 million reimbursement quotas, not limited to social insurance inside and outside.
However, medical insurance has higher health requirements. High-risk diseases such as "high-level 2 or higher hypertension, diabetes" are generally not insured. Before insuring your parents, let me know a little about health.
*Health notification for a million medical insurance
3. Anti-cancer insurance: icing on the cake
Suitable for parents who focus on cancer
Cancer is the most common disease with the highest prevalence, accounting for more than 50% of insurance company claims. Therefore, there are also anti-cancer insurances that are specifically targeted at cancer: you can pay for the insurance in one lump sum.
Compared with ordinary critical illness insurance, anti-cancer insurance only protects cancer and the price is lower. Choose short-term insurance, and the annual premium will be cheaper.
For example, to buy a short-term anti-cancer insurance for the 55-year-old, 100,000 yuan for cancer insurance, the annual premium is only 500 yuan.
03 Comprehensive protection for parents, not necessarily only relying on insurance
You may also find out that we can only give parents a full guarantee through insurance. To give parents more comprehensive protection, we have to do more preparations.
1. Savings is also the last word
If the whole is counted, the protection of parents is not enough. Then we need to work with our parents to make special savings in advance.
For example, if you want to set aside 300,000 yuan for your parents in 10 years to prevent the risk of disease. That can save 30,000 yuan each year, and invest with some steady current and regular products. While maintaining value, it can also be easily realized.
If you still have the ability, you can also prepare more for the cost of health care and rehabilitation.
2. It is also important to have regular physical examinations for parents.
Many diseases, the sooner they are discovered, the better the treatment. Not only parents, but also young people.
Nowadays, many large medical examination centers have different medical examination packages, which can be selected according to their physical condition and budget. If the family has a previous medical history, or if the relatives around you have high-risk diseases, you can also consult a doctor and add some inspection items.
In addition, encouraging parents to go out to make friends and exercise is a good way to keep fit.
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