Qiao insurance with mitigationold age pressure Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

There are sociological experts pointed out, relying on their children, relying on the traditional old-age pension unit which several methods are not enough to make the old people, "affluence", but now some of them have a "vision" in the eyes of the public are beginning to invest in diversified commercial insurance.

At present, the vast majority of the elderly are put in the hands of idle money on interest-bearing bank deposits. Survey shows that health care as the elderly bulk of consumer spending, accounting for about 40% of the monthly consumption. And showing older, health care, consumer spending, the greater the characteristics. Many elderly people old age pension is not high, with the deepening health system reform, the elderly face a greater financial burden.

The elderly in their old age security has become the focus of social concern. For the elderly with age, mainly in both accidents and disease risk. Through a rational choice with the elderly can be dangerous for young people to a certain extent, reduce the "old age" pressure.

Insiders pointed out that insurance companies currently able to meet the insurance needs of the elderly in general insurance, there are only two. One is a special old age insurance, the other is some protection life insurance is relatively wider than release.

Statistics show that in 2000 China entered the aging society, is expected by 2020, China's population over the age of 60 accounted for the proportion of the total population will exceed 16%, when the demand for pensions is now more than 10 times. One-child policy is also changing the demographic structure of families in our country, "raising children for old age," the traditional pension model no longer meet the needs of the development of modern society.

At present, the vast majority of the elderly are put in the hands of idle money in the bank savings interest rates rise. Survey shows that health care as the elderly bulk of consumer spending, accounting for about 40% of the monthly consumption. And showing older, health care, consumer spending, the greater the characteristics. Many elderly people old age pension is not high, with the deepening health system reform, the elderly face a greater financial burden.

Two types of insurance to meet the needs of the elderly

There are sociological experts pointed out, relying on their children, relying on the traditional old-age pension unit which several methods are not enough to make the old people, "affluence", but now some of them have a "vision" in the eyes of the public are beginning to invest in diversified commercial insurance.

I learned from the insurance companies for the elderly, insurance for instance, to children or grandchildren to the elderly to buy insurance, mostly about old-age insurance for more than 90% of the share; the elderly to buy their own insurance, and remarried to his wife to buy the elderly Insurance is also quite considerable.

Insurance industry pointed out that the risk is too high, the current insurance company has no specific medical insurance for the elderly. Currently able to meet the insurance needs of the elderly in general insurance, there are only two. One is a special old age insurance, such as the AIA's Wing insurance, safe insurance, Xinhua Life's a happy life, as well as the launch of Lotte and Italian life-year old accident insurance, Taikang Life Insurance launched "Consol Paul" Old Age Accident Scheme.

Another is to put some kind of protection than the relatively wide age insurance. Such as China Life launched the "National Shou Corning critical-illness insurance (Dividend)", whose responsibilities cover for life, even if the unexpected after the age of 65, the same can be protected.

Qiao reduce the medical burden with

Although the limited choices, but financial analysts believe that the elderly with age, mainly in both accidents and disease risk. Through a rational choice with the elderly can be dangerous for young people to a certain extent, reduce the "old age" pressure. For example, the elderly, such as traffic accidents occur due to the inconvenience legs and feet like an accident, you can purchase insurance protection.

It is understood that the main domestic risk elderly could be three aspects to protect the elderly. First, the elderly accident injuries; 2 for the elderly due to illness or accidental death; three elderly total disability due to accident. In addition, individual insurance, there are some features to protect. If Life's Lotte and Italian-year old can be a result of the accident to protect the fracture.

In addition, despite the current insurance company has no specific medical and health insurance for the elderly, but in Guangdong Province, Guangzhou City Federation of Trade Unions and the Federation of Trade Unions set up "hard to fund economic union", in the province, municipal workers launched within the framework of "mutual aid workers special illness health insurance scheme "and the female workers" Good Health Plan. " Employees through trade unions insured, as long as pay 100 yuan / person, three years, suffering from cancer and other major diseases, can get the appropriate assistance (up to 15,000 yuan), after 3 years to pay 100 yuan for each renewal. Insurance experts said that both civil protection scheme is not only the cost is not high, and not the age of the policyholder to conduct a special limit, so some people are more practical.

In addition, the insurance company who said that the current individual insurance companies introduced hospitalization insurance benefits can also be separately insured. This insurance can be paid for each day during the insured person was hospitalized a certain amount of protection, and subsidies to individual hospitalization insurance provides coverage for three years claims have not occurred, the fourth year of insurance companies to ensure renewal. Such insurance is also suitable for the elderly as part of purchase.

The insurance industry warned that you want to pass the Insurance to reduce the risk of old age, in particular the risk of disease, to insure early as possible. To do so, partly because of their age in order to policyholders will not be shut out insurance, on the other hand speaking, as soon as possible insurance premiums will be relatively cheap.

Note the five insurance

Great risk insurance for the elderly many insurance companies are discouraged. Sick and elderly in this group suffered a high probability of accidents, are high risk groups, risk-bearing capacity of insurance companies and control requirements are particularly high, which the insured is concerned, is also a test. A senior insurance sales agent for the elderly exist in some of the risk status of deep feeling, he said: "I did the old insurance, there are just several single-contracted, did not take long for a problem, is not there that it does not to see the treaty is that some elderly people in the hospital only to see what their own security risks. "

Insurance experts have warned that, insurance is often not a "tailor-made." Therefore, insurance for the elderly should pay special attention to the following questions: First, pay attention to insurance age limits; second, pay attention to truthfully inform the terms of the obligation; third, pay attention to areas of responsibility insurance; fourth, pay attention to wait and see period of hospitalization medical insurance ; Fifth, pay attention deductible clause.

Claims are also Mun

Commercial medical insurance claims work, report, application, filing, payment and a series of processes, so that when illness or accident, the insured must first inform the insurance company. In order for insurers to understand the situation, timely notice of claims of applications and organize necessary materials are necessary. Materials, including hospitals, medical history, hospital shows that insurance policies and the recent payment certificates, proof of identity such as the insured.

In addition, less than the insurance company is the designated hospital to treat difficult claims another reason. Insurance companies require customers to the designated hospital for claims. Under special circumstances, the insured person in accordance with the principle of proximity, such as the injury occurs, there is life-threatening and so on, can be first in to the nearest hospital, and insurance company and then transferred.