Is cancer insurance for the elderly necessary?

It is necessary to buy cancer insurance for the elderly. If you can buy critical illness insurance, give priority to critical illness insurance. However, it is generally difficult for the elderly to buy critical illness insurance due to their physical condition, so cancer insurance should be purchased.

1. The liability of cancer insurance is very simple. It is an insurance that specifically covers cancer. There are three main advantages of cancer insurance:

① The age range for insurance is wide, and many elderly cancer insurance can be purchased by those in their 70s.

② Health information is loose, and common conditions such as high blood pressure, heart disease, and diabetes can be insured.

③The price is cheaper, much cheaper than critical illness insurance.

Therefore, if you are in poor health and cannot purchase critical illness insurance, then cancer insurance is the best choice.

Elderly cancer insurance mainly provides protection against cancer, the number one killer of health. The leverage ratio is also pretty good, and it is a "small but refined" insurance product.

2. Compared with critical illness insurance, cancer insurance generally only covers cancer. However, the insurance age and health information are looser than those for critical illnesses, and common diseases such as high blood pressure and diabetes that are common among parents can also be purchased.

Cancer is the most serious disease risk faced by modern people. As age increases, the incidence of cancer increases. Among them, the highest number of patients are those aged 60-64 years. For us parents, it’s understandable.

3. Why buy cancer insurance

Older parents generally no longer play the role of the breadwinner of the family. Life insurance is not a must, and from a cost-effective point of view, life insurance is not necessary. So worth it.

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1. Parents’ risk prevention mainly covers diseases and accidents. The types of insurance we can choose for parents include:

1. Accident insurance, suggestions Choose

Consumption-type accident insurance is cost-effective, disability liability cannot be guaranteed by other insurance types, and general health notification is not strict, so it is recommended to choose it.

For those under 59 years old, we recommend Little Bee accident insurance, which covers 500,000 yuan for 158 yuan, including hospitalization, which is extremely cost-effective.

2. High-cost medical insurance (reimbursement type), invest if you can

The older you are, the higher the probability of suffering from serious illness. According to claims report data from insurance companies, the average cost of a major illness is between RMB 100,000 and RMB 300,000. High-cost medical insurance (also called million-dollar medical insurance) that can reimburse high medical expenses is necessary.

The maximum insurance age for most million-dollar medical insurance on the market is 60 years old. The annual premium for 60-year-olds is about 1,500, and then increases every year. Generally, the insurance can be renewed until the age of 80 or above.

If you are healthy and meet the insurance age, you can consider these products: Zhongan Zunxiang e-life, Ping An e-life insurance, China National Health Insurance and other million-dollar medical insurance.

If you are over 60 years old but under 65 years old, you can consider the ZhongAn e-birth parent version.

3. Cancer insurance is an excellent substitute for million-dollar medical insurance and critical illness insurance

The incidence of cancer accounts for about 70% of major diseases, which is not in line with the coverage of million-dollar medical insurance and critical illness insurance. Disease insurance can be replaced by cancer insurance that covers a single disease.

2. The shortcomings of cancer insurance are obvious: it only protects cancer, but the protection is not comprehensive enough;

It also has many advantages, such as loose health notifications and simple insurance rules, which is especially suitable for the elderly.

Cancer prevention medical insurance is equivalent to million-dollar medical insurance with simplified responsibilities. The insurance age for some products is as high as 80 years old. Consider these products: Anxin Insurance to enjoy a lifetime, Good Medical Insurance Cancer Prevention Medical Insurance, Ping An Anti-Cancer Champion 2020 and other products.