The elderly how to buy health insurance?
For the elderly to buy a major illness insurance, in the end how much more expensive? Currently on the market is the return of the best-selling type of major illness insurance, the insured person to enjoy a major illness benefit, death benefit, or the expiration of three interest payments.
How do their parents to buy health insurance?

The first thing we look at health insurance for the elderly, focusing on what aspects to consider. After the country's health care system for medical claims have to pay line from the ceiling, and reimbursement, so, if there was likely to suffer from costly major diseases, individuals have to pay a large percentage of medical expenses. Also with age, physical decline, the elderly face the risk of accidental injury is relatively large. Many small injuries will have to spend a 2000 money because fail to pay the line can not be reimbursed since. What's more, there are still a lot of elderly people did not participate in Social Security to health insurance.

For the above two kinds of risk, insurance companies, the most targeted products are: critical-illness insurance and accident medical insurance. The latter is very cheap, as long as more than 100 yuan a year, you can get 5,000 for each accident, reimbursement amount, the year an unlimited number. The problem lies in the critical-illness insurance - 50-year-old old to purchase, then much more expensive rate than the young.

For the elderly to buy a major illness insurance, in the end how much expensive?

As we all know, buying insurance, the younger the more expensive (in this case also the way to remind young friend, buying insurance early as possible). So for the elderly to buy critical-illness insurance, how much more expensive in the end? Currently on the market is the return of the best-selling type of major illness insurance, the insured person to enjoy a major illness benefit, death benefit, or the expiration of three interest payments, let us compare the contributions of the two age groups.

25-year-old male, insuring a company's critical-illness insurance, insurance by 10 million, paid for 20 years, pay 3190 yuan per year.

50-year-old male, insured with a major illness insurance, insurance by 10 million, paid for 20 years, pay 6920 yuan per year.

It is clear that the premium of more than 50-year-old young man more than twice as expensive. At the same time the return was originally with savings-type insurance in nature, like the young man, after 20 years, paid a total of 63.8 thousand yuan fee, if the words have been very healthy, full term (88 years) will be returned to 100,000 yuan. The elderly 20 years, paid a total of nearly 14 million, guarantee is 10 million, the expiration of the return is also 10 million, paid more than money than collar completely does not reflect the saving function.

The old solution is to bet on the health of the elderly own their own insurance

Counted in this account, I think many of my friends will have noticed, if the old man this premium save up to 10 years later, plus interest, there are more than 70,000 yuan; at this time even if you stop to save money, a few a decade or two, the money plus interest, that was almost 100 thousand yuan of. In other words, if an elderly person feel physically good, 10 years, not a big problem, then do not buy insurance, but would be more appropriate. So, I give some of my friends had the proposal is the establishment of a dedicated bank account on a regular basis every month adhere to deposit a sum of money into, has been set for the amount of deposit to their date, as a special health care fund for the elderly. Prior to this, not only because the elderly for health reasons, or never be allowed to spend the money. If long-term adherence, which is equivalent to self-insure the.

However, doing so there are two risks: first, the ability to continuously adhere to save money, save enough until a more adequate health care fund; second, if the elderly at the beginning of saving money when it came to health problems, account maintained by Qian small, the plan mean no help.

The emergence of new products to our multi-option program

Recently, many companies have developed a relatively flexible financial products, in addition to insurance and investment linked insurance dividends, there is a universal life insurance. Universal life insurance is currently available on the market there are three companies, namely, AIA Insurance, Ping An Insurance and Pacific Life. This product has access to a flexible, financial security (with Paul at the end of earnings), may receive higher proceeds from prominent feature. It can help us to save the one hand, remind us that in the payment form a monthly payment of premium, on the other long-term gains is also higher than the bank.

I found the product and the traditional combination of critical-illness insurance can be addressed to some extent the old programs. Both the previous few years to provide a higher protection, the final returns are also much higher than the premium paid. The following 50-year-old woman, for example, critical-illness insurance insuring 50,000 yuan, the annual premium pay 2920 yuan (female premiums slightly cheaper), and then choose universal life insurance to pay 4,000 yuan annual total is 6920 yuan per year. Because of major illness insurance is paid for 20 years to 88 years maturity, it also assumes that universal life insurance paid for 20 years to 88 years of age to receive all the net worth (the actual situation may be different). Let's take a look at this combination of income protection and benefits.