If the budget is limited, the parents are not strong, how do we plan?

If the budget is limited and the parents are not 100% healthy, how can we plan this risk?

Introduction

When parents retire, welfare from work is fleeting with their eyes! Many children want to get health insurance, but they have to be disrupted when they find a hundred thousand or worse, "rejected" because the parents already have a condition (pressure, diabetes). The question is, if the budget is limited and the parents are not 100% strong, how do we plan this risk? This is 4 steps, the least hurt plan.

Content

📌 1.First Stage: Explore and rely on "State Welfare" to be

If the budget is limited and has a disease, buying charter health insurance may not always be the solution. The first thing to do is "check rights," whether it is a gold card or a civil pension right. These rights now cover the treatment of serious and chronic diseases very well. Use this welfare as the "foundation" for medical care to save a large sum of money.

📌 2. Plug the leak with "Accident Insurance (PA)."

Elderly age, as scary as disease, is "accidents" (such as falling, slipping in the bathroom), which provide accident insurance for the elderly is "very cheap pawns," and easy to apply, not serious about the same disease. Having a PA on it will cover X-rays, splints, or emergency treatment fees without gouging.

📌 3. Aim for "serious disease insurance (CI)" instead of regular health insurance.

Allowance health insurance is very expensive at this age. Let's switch to "end-of-life disease insurance" (such as cancer insurance), because the allowance is much cheaper, and even with pressure / diabetes, some companies still guarantee that if the jackpot is found with a bad disease, this money will help provide alternative treatment, caregiver pay, or compensation for the income that children have to stop taking care of their parents.

📌 4. If you really want a cure, you need a "no health question" plan.

If you really want to have a private treatment limit, the remaining option is "Guaranteed Issue," but be careful! Because this insurance usually has the "first two-year waiting period" (if you die from the disease in the first two years, only the premium will be returned, not the funding), and the coverage limit is usually not very high. You must read the conditions to clear before you decide.

Conclusion

All in all, planning insurance for parents who retire and have a disease is not trying to dogmatize the most expensive health insurance, but "combining state welfare with accident insurance and serious disease insurance" to cover the scariest risks in their children's budgets. This planning will help parents get good treatment without their children being too difficult.

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