How to buy critical illness insurance at 45 years old?

You can still buy critical illness insurance at the age of 45, but the premium is more expensive, the amount of insurance will be more limited, and the cost performance is often not high. However, if you want to configure it, you need to pay attention to giving priority to purchasing consumer critical illness insurance, with the insurance coverage controlled at around 300,000, which is the most cost-effective way to maximize the leverage ratio of critical illness insurance, as follows:

First of all, users over 45 years old can purchase consumer critical illness insurance, mainly to protect specific diseases, transfer the risk of critical illness, and achieve the purpose of ensuring health;

Secondly, pay attention to the insurance amount. It is particularly important for 45-year-old users to purchase critical illness insurance. Because they are middle-aged, it is more expensive to choose the same amount of insurance than those in their twenties and thirties, but too little insurance will not protect them. It is suggested that the insurance coverage be controlled at around 300,000-500,000.

Finally, pay attention to the details of the terms. Users over the age of 45 must pay attention to the terms and contents when purchasing critical illness insurance, and be aware of the exemption terms, health notification and protection contents, so as not to affect future claims and services.

Extended data

How much does it cost to buy critical illness insurance at the age of 45?

The amount of critical illness insurance purchased by different companies is different, and the payment price is different. Let's take the insured amount of 200,000 as an example to see how much it costs for men and women to buy critical illness insurance at the age of 45:

1, Darwin's 5th edition: male sex 15 years, 70 years old, 3,900 yuan/year, female sex 3,294 yuan/year, male sex 53 14 yuan/year, female sex 4,656 yuan/year, 20 years.

2. Super Mary No.4: male 15, 70 years old, 4 170 yuan/year, female/3564 yuan/year. The security is 5686 yuan/year for men and 4980 yuan/year for women.