理财档案丨“减配”但实用！“三高”人群也可投保防癌医疗险

Group 1 - The article discusses the challenges faced by elderly individuals with chronic conditions in purchasing comprehensive health insurance, particularly million medical insurance, due to age limits and health disclosures [1][2] - Cancer is identified as the disease with the highest payout rate in the insurance industry, leading to a recommendation for cancer-specific medical insurance, which offers more lenient health disclosures and lower premiums [1][2] - Cancer medical insurance is particularly suitable for individuals with chronic diseases or those on a limited budget, as it provides targeted coverage for cancer-related medical expenses [2][3] Group 2 - A comparison between cancer medical insurance and million medical insurance reveals that the former has a higher age limit for applicants and lower premiums, making it more accessible for older individuals [3][4] - For instance, the annual premium for cancer medical insurance at age 60 is 1,255 yuan, while for million medical insurance, it is 2,268 yuan, highlighting the cost-effectiveness of cancer medical insurance [3] - Important considerations when purchasing medical insurance include ensuring the ability to pass health disclosures, understanding renewal conditions, and being aware of any restrictions on external medications [4]