父母意外险怎么选？从微保产品看中老年意外保障的关键设计

Core Insights - The article evaluates the micro-insurance product for elderly accident insurance, specifically targeting individuals aged 50-85, highlighting its design and key features [1][6] Group 1: Product Overview - The product is designed for the elderly demographic, with a coverage period of one year and a natural premium rate that increases with age, allowing for monthly or annual payment options [1] - The insurance covers accidental death, disability compensation, medical expenses, and hospitalization allowances, distinguishing it from health insurance which does not cover diseases [1][3] Group 2: Core Coverage Analysis - Basic accident injury coverage includes a one-time payment for accidental death/disability and medical expenses, with specific reimbursement rules for social insurance-covered and non-covered expenses [3][10] - Enhanced coverage for elderly risks includes benefits for accidental fractures, hospitalization allowances, and emergency ambulance costs, addressing common issues faced by older adults [6][10] Group 3: Optional Add-ons and Health Services - Users can opt for additional coverage for accident medical expenses or expand to include outpatient medical services, along with health management services that provide convenience and support during recovery [8] Group 4: Claims Example and Evaluation - A claims example illustrates the payout structure, showing a total compensation of 176,300 yuan for a 55-year-old insured individual after an accident, demonstrating the product's payout logic [10] - The product's strengths include clear target demographics, focused coverage on high-frequency risks for the elderly, and practical reimbursement mechanisms, while limitations include its short coverage period and non-disease-related benefits [10]