Are there restrictions on elders buying accident insurance in Luoyang?

[Direct conclusion] Most accident policies cap entry age (commonly 65/70/75); over-age may be declined or surcharged; and 'accident medical' is more useful for elders, death/disability sum can be lower. Key points to keep in mind: 1. Elders must disclose chronic conditions or related claims are limited.】 Elder buying points: Four actions: ◆ Buy early: before age cap or insurable state. 2. ◆ Pick elder-specific / high-age products: some open to 80. 3. ◆ Truthful health disclosure: hide chronic, claim may deny. 4. ◆ Value medical + prepay: remote emergency most useful. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.