1. Why do the elderly recommend buying accident insurance first?
2, the main focus of the responsibility to buy accident insurance
3. Other tips for buying accident insurance.
1. Why do the elderly recommend buying accident insurance first?
The Accident Risk Report of China Insurance Company shows that the overall accident risk of the elderly is higher than that of the young and middle-aged, and the biggest threat comes from the risk of falling.
In China, 2 1-23% of the community elderly residents over 65 years old are male and 43-44% are female. "Falling" is the first cause of injury and death of the elderly over 65 years old. Followed by traffic accidents, accidental drowning or floods.
The protection content of accident insurance is very simple and clear, and you don't talk to consumers. Moreover, the insurance of accident insurance has nothing to do with age, nor does it ask about physical health. This is the unique advantage of accident insurance compared with other types of insurance.
Because the elderly are old and in poor health, it is difficult to take out other insurance, but there is no limit to accident insurance, which is why we first recommend the elderly to be equipped with accident insurance.
Second, the main responsibility for purchasing accident insurance
Accidental death and disability
If the parents are 50-60 years old, their children have not yet left the family to live independently, and the parents have also assumed the financial resources of the family, insurance protection for accidental death and disability can be given priority.
Generally speaking, the premium of accident insurance is very cheap, even if the insured amount is 2 million or even higher, the premium is only a few hundred yuan. Another advantage is that accident insurance can be paid in proportion to the level of disability. Usually 10 level disability compensation is 10%, 9 level disability compensation is 20%, and so on, subject to the insurance clauses of each company.
Accidental medical treatment
The amount of accidental medical insurance is generally around 20,000. Although the insurance coverage is not high, bumps and bumps can be reimbursed. Whether accidental medical treatment is good or not depends on the following three points:
(1) The scope of reimbursement is preferably not limited to social security drug reimbursement.
(2) Deductible, the lower the better.
(3) The higher the reimbursement ratio, the better, preferably 100%.
Fracture responsibility
At the beginning of the article, it is said that "falling" is the first cause of accidental injury and death in the elderly over 65 years old. The possibility of osteoporosis, accidental slip or fall and fracture in the elderly is much higher than that of ordinary people.
Therefore, when we buy accident insurance, we can pay special attention to whether it includes fracture liability. If so, we can pay special compensation for the fracture caused by the accident.
Third, other tips for buying accident insurance
Ps: Accident insurance generally includes compensation for hospitalization allowance. Although we don't buy accident insurance as compensation for this, if we do, it will be a bonus.
If the age is still young, middle-aged and elderly people generally drive or travel abroad. Bian Xiao suggested that in addition to buying comprehensive accident insurance, you can also buy special accident insurance for aviation and transportation. This kind of insurance has extremely high leverage. The coverage of aviation accident insurance is 5 million, and the public transportation accident insurance is 1 10,000, but the annual premium of/kloc-0 is only a few tens of yuan.
Comment on insurance category:
Older people of different ages will have slightly different emphasis on security, so they need to choose appropriate products according to their personal needs. The risks of the elderly cannot be ignored. Buying an accident insurance for parents is also the embodiment of love and responsibility. With the protection of parents, children can work hard outside with more peace of mind.