Why buy critical illness insurance for parents?

Buying critical illness insurance for parents is not only to provide protection for parents, but also to reduce the burden on themselves. Because parents are old and their physical condition is not as good as that of young people, it is difficult to guarantee that they will be diagnosed with a serious illness one day; In this case, if parents do not have critical illness insurance, then parents need to bear all medical expenses. On the contrary, if they buy critical illness insurance for their parents, critical illness insurance will help you share most of the financial pressure.

Therefore, it is very necessary to buy critical illness insurance for parents. The following senior will tell you about buying critical illness insurance for parents.

Before the start, Senior Sister compiled an insurance knowledge material for everyone. Interested friends can poke this:

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The following are some problems that should be paid attention to when buying critical illness insurance for parents:

1. The coverage should be enough.

People's physical condition will gradually deteriorate with age, and their parents are not young, and their physical quality will also deteriorate, so it is easier to diagnose diseases, especially the incidence of major diseases such as "three highs" or malignant tumors is still relatively high.

Moreover, the cost of curing these high-risk diseases of the elderly is still a huge figure. According to related research, the cost of treating common tumors is about 300 thousand. However, due to the increase of medical expenses and the influence of inflation, the future treatment expenses will only be more.

Therefore, if you buy critical illness insurance for your parents, you must buy enough insurance coverage to avoid insufficient insurance coverage. Moreover, it should be noted that due to the older parents, there may be a phenomenon of "premium upside down" when choosing products with excessive insurance coverage, so everyone needs to choose appropriate critical illness insurance products according to insurance needs.

For more questions about the amount of insurance, you must read the following articles:

How much insurance is appropriate? Tell me the doorway inside.

2. Give priority to products with loose health notification.

In general, the premium and insurance conditions of health insurance are directly linked to the health and age of the insured; If you buy critical illness insurance, the sooner you buy it, the better. Moreover, parents are not young, and their health is not necessarily good. They may be asked by insurance companies to increase their fees or refuse insurance directly.

In this regard, if there is really no way to pass health notification, then priority can also be given to critical illness insurance products with loose health notification.

If you want to pass the health notification more smoothly, the following article will definitely help you:

What are the tips for health notification when applying for insurance?

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