老年人适合买什么保险绝大部分老年人的健康状况大不如前,面临的保障需求主要是健康医疗和意外伤害保障。健康险为老年人购买一份健康险非常必要。健康险有医疗保险、疾病保险、收入保障保险和长期护理保险等种类。老年人较适合购买住院医疗险和重大疾病险。其中,医疗险可单独购买也可作为附加险购买,主要承保因意外或疾病住院而产生的费用报销,一般定额给付住院日额保险金。需要提醒的是,许多险种都有投保年龄限制,年纪越大,保费越高。意外伤害险老年人遭受意外伤害的概率远高于其他年龄段,在交通事故、火灾及其他意外情况中都容易受到伤害。因此,一份意外伤害险应作为老年人 Elderly people suitable for what insurance to buy The vast majority of older people’s health conditions before the face of the protection needs are mainly health care and accidental injury protection. Health insurance It is necessary to purchase a health insurance for the elderly. Health insurance There are types of medical insurance, sickness insurance, income security insurance and long-term care insurance. Elderly people are more suitable for the purchase of hospital insurance and major disease insurance. Among them, the medical insurance can be purchased separately can also be purchased as an additional insurance, the main coverage due to accidental or illness hospital expenses incurred reimbursement, the general fixed payment of hospitalization days insurance. Need to be reminded that many insurance coverage has age limits, the older, the higher the premium. Accidental injury The probability of an accidental injury to the elderly is much higher than in other age groups and is easily compromised in traffic accidents, fires and other unforeseen circumstances. Therefore, an accidental injury insurance should be used as an elderly person