My parents are getting old, and their legs and feet are not as good as before. They gradually walk sideways and have to hold the handrail when going upstairs.As children, we see all these changes in our parents and worry about them. What if one day our parents suddenly fall down while walking and have to stay in bed, or even die?
Therefore, many young people are aware of such accidental risks and have purchased accident insurance for their elderly parents.
Elderly accident insurance is not as comprehensive as adult accident insurance, and the focus of protection is also different. How can you buy it to avoid pitfalls? Which one should you choose? Let’s discuss it together today.
• How to buy elderly accident insurance
• Which type of accident insurance should I choose for the elderly?
• Last words
Xiaoxinan No. 3 Accident Insurance for the Elderly
1. How to buy elderly accident insurance to avoid pitfalls?
It is important to buy elderly accident insurance for your parents, but how should you buy it? What issues should you pay attention to? What protections should you focus on? I have summarized 3 points for you:
1. Focus on accidental medical insurance
When buying elderly accident insurance for parents, the focus is not on accidental death or disability. Parents no longer bear family responsibilities, and we only hope that they live long and have a good quality of life. Therefore, accidental medical treatment is the focus of attention.
Accidental medical treatment mainly includes outpatient and inpatient care, and mainly focuses on three aspects.
① Reimbursement scope : The wider the reimbursement scope, the better. It is best to reimburse products that are not limited to the medical insurance scope. For example, for hip fracture surgery, the imported ceramic joints required are about 25,000-40,000 yuan . If the accident insurance cannot cover it, the cost will be too high.
② Reimbursement ratio : The higher the ratio, the less money you spend. It is best to have 100% reimbursement.
③ Deductible: The lower the deductible, the easier it is to get compensation. For example, for a product with a 0 deductible, you can get compensation even if you spend only a few dozen dollars.
2. Pay attention to health notifications
The health requirements for elderly accident insurance are relatively relaxed, but they cannot be ignored.
Some products may have health disclosures like medical insurance , which explicitly ask whether you have had certain diseases, such as serious illnesses, chronic diseases, etc. If these are involved, you cannot buy them.
Different products have different health requirements, and the standards for the same disease are not exactly the same. You can choose a more relaxed product to insure . If you really don’t know how to choose, you can consult customer service. Never ignore the health notice and force insurance, as it is likely to be rejected.
3. Pay attention to fracture insurance benefits
As parents get older, they are more likely to fall and break bones, so you should pay attention to fracture insurance benefits .
The vast majority of products come with fracture insurance: if an elderly person suffers a fracture due to an accident, they can receive additional compensation.
Xiaoxin’an No. 3
The above are the key points to pay attention to when choosing accident insurance for parents. After understanding these, you can avoid many detours when buying.
2. Which type of elderly accident insurance should I choose?
Many parents prefer big brands when buying things.
Therefore, when we buy accident insurance for our parents, we try to choose products from big brands, such as the Xiaoxin’an No. 3 Elderly Accident Insurance launched by Pacific Property and Casualty Insurance .
There are three protection plans for people aged 50-85 , with a maximum coverage of 200,000 yuan, starting from only 115 yuan .
Let’s take a look at them one by one.
Xiaoxin’an No. 3 Form
Take Plan 3 as an example:
Accidental death and disability compensation is 200,000 yuan, and accidental medical reimbursement is 50,000 yuan.
The key points are: 0 deductible, no limit on social insurance coverage, 100% reimbursement after social insurance settlement , 80% reimbursement without social insurance settlement. In the event of an unexpected risk, the use of imported equipment can also be covered by accident insurance.
Generally, the compensation for hospitalization is 100 yuan / day, and the compensation for ICU hospitalization is 200 yuan / day . There is no deductible for each day, and you will be compensated for each day you stay. If an elderly person falls, he or she must stay in the hospital for a day to observe the condition. This responsibility is very practical.
If an accidental fracture occurs, Xiaoxinan No. 3 can pay a one-time insurance payment of 12,000 yuan. But it should be noted that this liability is paid according to the disability ratio.
For example: Mr. Zhang accidentally fell and suffered a depressed skull fracture, and the compensation was 12,000 yuan *10%=1,200 yuan. The treatment costs involving the skull can still be compensated through accidental medical treatment, and the two are not in conflict.
Other things include ambulance fees, fees for visiting relatives in other places, and value-added services are also quite practical.
Xiaoxinan No. 3 Value-added Services
Value-added services are provided in cooperation with third-party service agencies to provide follow-up services. When you need to use them, remember to make an appointment in advance.
How to make an appointment: Follow “Yi Yao Health”, click on the policy service at the bottom, select “Xiao Xin An No. 3 “, and click on the exclusive service appointment link to apply.
Although this product is available for purchase by people aged 50-85 years old, it is only recommended for people over 60 years old . Those under 60 years old can choose adult accident insurance, which has advantages in terms of protection and price.
Xiaoxinan No. 3 Accident Insurance for the Elderly
3. Finally
Providing our parents with a good accident insurance for the elderly can save us from a lot of worries, and it can also help them unload their psychological burden, bring them closer to us, and make it easier to express love.
Of course, in addition to arranging accident insurance for the elderly, the greatest protection for our parents is actually us. Only when we are safe and healthy can our parents feel at ease.
Therefore, when configuring insurance for your parents, don’t forget to do your own protection ~
