1. Local policies: The accident protection for the elderly may be different in each city.
For example, the policy implemented by Dongguan 20 14-
Older people over 75 years old with Dongguan household registration, and elderly people over 60 years old in five-guarantee households and low-guarantee households are uniformly funded by the municipal-level retained funds of the welfare lottery public welfare fund, and each person buys a comprehensive insurance for accidental injuries of the elderly in Dongguan.
Compensation standard of comprehensive accident insurance for the elderly;
The premium standard is 30 yuan per person per year, starting from 20 15 1, and the insurance period is one year.
In addition to the above-mentioned objects purchased by the government, Dongguan residents or permanent residents over the age of 60 may purchase them voluntarily, and the expenses shall be borne by individuals or children. Voluntary purchase can be registered in the village (community) or underwriting enterprise, and different grades of insurance products can be selected according to their different needs.
2. Commercial insurance: The accident insurance for the elderly depends on the products produced by various insurance companies, and there is no uniform standard. Just a reminder, however, pay attention to the accident protection stipulated in the relevant terms when choosing/purchasing.