Commercial insurance can effectively compensate for the lack of basic old-age insurance. Insured persons can choose the products they need and the appropriate payment period and payment amount according to different age stages and different protection needs without affecting their quality of life.

　　According to public data, as of the end of 2017, there were 241 million elderly people aged 60 and over in China, accounting for 17.3% of the total population. It is generally believed that the proportion of the elderly population aged 60 and over reaches 10% of the total population, which means entering an aging society. Older people are the people with the highest probability of accidents and major diseases, so medical expenses are increasingly becoming a burden for every family.

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　　As a result, many elderly people and even middle-aged people are beginning to pay attention to some commercial health insurance and pension insurance, including critical illness insurance, anti-cancer insurance, annuity insurance and other products, they hope to obtain risk protection through insurance.

　　Health insurance coverage is more comprehensive

　　“I have basic medical insurance, but also want to buy commercial health insurance?” I believe this is a question for many people. Basic medical insurance is an important part of China's social security system. It is a kind of social insurance that is formulated by the government, employers and employees. It is the foundation of the medical security system and can guarantee the basic medical needs of the majority of insured personnel. pay for general outpatient, emergency and hospital expenses.

　　However, the Basic Medical Insurance Co-ordination Fund pays for individual inpatient medical expenses, with a deductible line and a capping line. That is to say, the basic medical insurance pays the basic medical insurance in proportion to the expenses above the threshold, the maximum limit and the scope of the reimbursement .

　　"Commercial health insurance can effectively supplement the part of social insurance that cannot be reimbursed, which is an important supplement to basic medical insurance." An industry insider said that the current commercial health insurance products on the market can be taken quickly when the insured is diagnosed as seriously ill. Go to a medical fund to help him treat it in time. At the same time, it can compensate for additional expenses during medical treatment, such as non-medical expenses after illness, loss of personal income, family care expenses and nursing expenses. Moreover, some health insurance products also include a premium exemption clause, that is, the insured does not need to pay subsequent premiums in the event of a contractual accident, but the guarantee continues to be effective.

　　At present, most insurance companies' health insurance products include medical insurance, cancer prevention insurance, and major illness insurance. For example, Mr. Zhang, a 50-year-old, bought a serious illness insurance for an insurance company. The coverage includes malignant tumors, acute myocardial infarction, sequelae of stroke, benign brain tumors, and other high-risk diseases. The annual insurance premium is 6,440 yuan, and it will be paid for 10 years. If during this period, Mr. Zhang unfortunately finds out the serious illness within the scope of the contract, the insurance company will pay 100,000 yuan in insurance premium, and at the same time, it will be exempted from paying the unpaid premium; if Mr. Zhang does not suffer from the contractually ill illness during the protection period, then he is insured. After the death of the person, the insurance company will return all the insurance money paid to the insured's family.

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　　In addition, there is currently a comprehensive medical insurance for the elderly in the market, which is also a good choice. Such products usually have a one-year guarantee period and only need about 400 yuan per year for insurance. In the event of accidental medical care, the insured person can receive a total of 10,000 yuan in outpatient and inpatient care; if the insured person is accidentally disabled or died during the insurance period, his family can be entitled to 200,000 yuan in insurance.

　　The article was transferred from: http://www.xinhuanet.com/money/2018-08/17/c_129934627.htm