We grow up, but our parents get old.

Looking at the aging parents, as children, we are most worried about the health of our parents. Many people think of buying insurance, hoping that when a serious illness strikes, they will be able to provide their parents with the best treatment.


Filial piety is priceless, but insurance is priceless. Don't buy commercial insurance blindly because of the overflow of filial piety.



If you buy the wrong commercial insurance, you will not only spend more money, but also the protection is not in place, and it will not have the desired effect when you need it.


A reasonable combination of commercial insurance for parents is less than 1,500 yuan per year. How can it be a bottomless pit?


If it is a bottomless pit, it must be that you bought the wrong insurance for your parents, or you were cheated by unscrupulous insurance sales!


Buying insurance for parents is very simple.


For Xiaoan who just knows a little bit about insurance, today I will talk about the three kinds of insurance that I am a parent must have


Three must-have insurance products


There are only three kinds of insurance that parents must have: medical insurance, commercial medical insurance, and accident insurance.


1. Medical insurance


Medical insurance is the most basic guarantee, and commercial insurance will be very expensive without medical insurance, so it must be allocated first.


Employee medical insurance, urban resident medical insurance, and new rural cooperative medical insurance are all medical insurance.


Medical insurance is the basic welfare of the country, and it has advantages that commercial insurance cannot match: you can purchase insurance in case of illness, and guarantee renewal. And if you buy commercial insurance without medical insurance, the premium will be very expensive.


Parents who do not have health insurance must buy it for them first.


2. Commercial medical insurance

As a supplement to medical insurance, commercial medical insurance compensates medical expenses other than social insurance, especially serious illness expenses. Millions of medical insurance or millions of anti-cancer medical insurance, but about 1,000 yuan a year, the reimbursement amount can reach millions, and it can also break through the restrictions of the medical drug list. No longer have to worry about seeing a doctor when your parents are seriously ill.


The reimbursement scope of medical insurance is limited, and there are reimbursement ceilings (for example, in Beijing's medical insurance, the upper limit of reimbursement for serious diseases is 300,000), and there are many restrictions such as the inability to reimburse drugs that are not included in the medical insurance catalogue.


Commercial medical insurance can break through the above limitations. For example, millions of medical insurance, the reimbursement limit can reach millions, and self-paid medicines outside the medical insurance catalog can also be reimbursed. In case of a serious illness, you no longer have to worry about having no money to see a doctor for your parents.


Here are two types of commercial medical insurance products recommended, which can be selected according to the situation of parents:


1) Parents under the age of 60, in good health and without abnormalities

We recommend million-dollar medical insurance. Let’s take Ping An’s e-life insurance products as an example:

For computer, please visit this link: Ping An eLife Insurance


Please visit this link on the mobile terminal: Ping An eLife Insurance


Insurance amount: The upper limit of cancer reimbursement is 2 million, and the upper limit of general disease reimbursement is 2 million


Reimbursement scope: not limited to social insurance catalogue, not limited to treatment methods, new and special drugs can be reimbursed

Renewal conditions are good: you can continue to buy after illness, medical expenses can continue to be reimbursed, and the renewal version is guaranteed


At the age of 60, the first-year premium is less than 1,500 yuan.


2) Parents over 60 years old, or in abnormal health


When you are over 60 years old, or you cannot purchase a million-dollar medical insurance due to health problems, cancer prevention medical insurance is recommended.


The biggest difference between cancer prevention medical insurance and million-dollar medical insurance is that its insurance liability only covers the treatment expenses related to cancer, while million-dollar medical insurance does not limit diseases. Although the coverage is less, but:


The entry age is relaxed. The age of insurance for the first time is relaxed to 70 years old, and some products even reach 80 years old.


Health notification is loose. Three highs, diabetes, coronary heart disease and other common chronic diseases can also be insured, which is very suitable for the elderly.


High incidence of cancer. Cancer accounts for more than 60% of serious diseases, and cancer prevention medical insurance covers most of the risks


Take Ping An Anti-Cancer Guardian 2020 as an example:

Access this link on the computer: Ping An Anti-Cancer Guardian 2020

Insurance amount: cancer diagnosis + medical expenses during treatment, up to 2 million


Reimbursement scope: not limited to social security catalogue, not limited to treatment methods, new and special cancer drugs can be reimbursed


Renewal conditions are good: you can continue to buy if you have cancer, and you can continue to reimburse medical expenses


To sum up, cancer prevention medical insurance is the next best choice.


3. Accident insurance

In addition to illness, the risk parents may encounter is accidental injury.


The protection responsibility of accidental injury insurance generally includes two parts: accidental death/disability compensation and accidental medical expense reimbursement. When choosing accident insurance for the elderly, you should focus on the responsibility for accidental medical treatment, the amount of reimbursement and whether to limit the scope of medical insurance.


Accidental medical treatment includes outpatient and hospital reimbursement expenses, ranging from minor injuries such as falls, burns, and cuts to major fractures and concussions.


Take Ping An's "Comprehensive Medical Insurance for Middle-aged and Elderly" as an example:


Computer terminal access → middle-aged and elderly comprehensive medical insurance


The basic price is 141 yuan a year:

Accidental death/disability: The basic insurance amount is 50,000, with additional compensation for various traffic accidents


Accidental medical treatment: 5,000 yuan reimbursement limit, unlimited medicines for medical insurance


Accidental disease hospitalization: 20,000


Sudden death: 50,000