1. Delayed retirement at the age of 65 rushed to the hot search
Last week,The topic of delayed retirement at the age of 65rushed to the hot search again and became the hottest topic among netizens over the weekend. This topic mainly stems from the recently released "China Pension Development Report 2023", which pointed out when calculating the pension replacement rate:"The delayed retirement policy is imminent, and the age of 65 may be the final result of the adjustment, and men and women will take leave at the same age. ”
China's current statutory retirement age is 60 years old for male workers, 55 years old for female cadres, and 50 years old for female workers, and the average life expectancy in China has increased from 43 in 19607 years old to 77 in 2020He was 93 years old. According to the data of the seventh national census, the population over 60 years old in China is about 26.4 billion people, accounting for 1870%, compared to 2010, the elderly population increased by 544 percentage points.
The acceleration of population aging is the main reason for delaying the retirement age, although there are very practical reasons, but many netizens still voice opposition. The objection of netizens may not be the delay in retirement, but the retirement age at which you can continue to work, some of which are considered for physical reasons, and some are worries about job prospects.
Theoretically, delaying retirement will give you a few more years of work, a few more years of salary, and a higher pension after retirement.
But the reality is that according to the results of the ninth national workforce survey of the All-China Federation of Trade Unions in 2023, the total number of employees in the country is 40.2 billion people, 84 million new forms of employment, and 2 migrant workers9.3 billion.
Among them, the new forms of employment mainly refer to the familiar forms of employment such as food delivery workers, couriers, online car-hailing drivers, and substitute drivers.
The sum of the number of workers in the new form of employment and migrant workers is about equal to the number of workers in the whole country. In other words, nearly half of the jobs in my country are migrant workers and couriers.
For many new citizens and migrant workers, many people are in a state of stopping, but birth, old age, sickness and death, the world is unpredictable, if these new citizens have an accident or suffer from a serious illness and lose their ability to work, how can their future be guaranteed?
Second, I am afraid of unemployment, but what is even more terrible is disability
At present, the topic of unemployment has been hotly discussed on the Internet, but what is more bearable than unemployment is disability. Once a person loses the ability to work, it is usually accompanied by the loss of income, and the future life either depends on the savings in the early stage or relies on the care of the family.
Accidents and serious illness are the main causes of disability. While people can cope with the cost pressures of accidents and serious illnesses by purchasing accident insurance, medical insurance, or critical illness insurance, it can still be devastating if they don't have a stable income** for a long time after they become disabled.
How to be able to have a certain income** after unfortunate disability, and reduce the loss of income caused by illness, people can strengthen their protection by configuring critical illness insurance and disability insurance.
3. Disability income insurance
Let the disabled patients stay in the green hills
At present, people are more familiar with one-time income-compensating critical illness insurance, but they have relatively little understanding of disability insurance.
Disability insurance is also an income-compensating health insurance product, the main difference is that critical illness insurance is a one-time compensation, while disability insurance is a long-term compensation, which is used to protect people from loss of income due to functional impairment or accidental disabilityDisability is a long-term process, so disability insurance, as a long-term income compensation product, can play a greater role in this process.
The main role of disability income insurance is reflected in the following aspects:
1.A layer of financial support
Disability is not just a personal disaster, but also a huge burden on a family. The unique protection mechanism of disability income loss insurance can provide financial protection for disabled patients. Whether it's expensive medical expenses, ** fees, or daily long-term care expenses, it can be effectively alleviated.
2. Improve the accessibility of medical resources
Disability insurance is not only concerned with the financial burden of patients, but also focuses on providing better medical services. With the help of insurance benefits, patients are able to receive a higher level of care and choose a more professional care team, ensuring a smoother process and a more thorough recovery.
3. The creator of family stability and psychological comfort
In the face of the blow of disability, the stability of the family is as important as the psychological support. Disability insurance helps family members to focus more on the patient's ** and ** by providing financial assistance, so that family life can be as normal as possible.
4. A strong partner for future planning
Disability loss of income insurance can also be used as a financial planning tool to help people face the future with greater confidence, even if it is an unexpected disability, which will not shake the overall plan of life.
On the Alipay platform, there is a disability insurance product jointly launched by Alipay and PICC Health"Tsingshan Income Protection Insurance"., you can receive up to 20,000 yuan per month, and you can receive up to 100 months, so that everyone can better understand disability insurance products.
The "Tsingshan Income Protection Insurance" covers the age of 16 to 55 years old, and the policyholder can insure himself or his spouse, children and parents.
The protection period of the product is 10 years, and the insurance amount is 500,000 yuan, 1 million yuan and 2 million yuan respectively according to the basic version, upgraded version and comprehensive version, and the corresponding monthly basic insurance amount is 5,000 yuan, 10,000 yuan and 20,000 yuan.
In terms of coverage, "Tsingshan Income Protection Insurance" includes 3 protection responsibilities:
1. Insurance for loss of income from hospitalization disability
At present, most disability insurance products on the market only cover specific diseases and functional impairments, but the "Tsingshan Income Protection Insurance" has added a product that compensates for temporary loss of income due to hospitalization, and it is also covered for those cases with minor and undiagnosed critical illnesses.
For example, for specific surgeries such as surgery to remove polyps or nodules, fracture surgery, etc., as long as you are hospitalized for more than 7 consecutive days, you can get a monthly compensation of 30% of the basic sum insured, and if it is 20,000 basic sum assured, it is 6,000.
2. Insurance benefits for loss of income due to disability for specific diseases
The Specific Illness Coverage section of Tsingshan Income Protection Insurance covers 70 specific diseases, the most notable of which is the coverage of severe malignant tumors.
In the 2023 annual claims report released by PICC Health, malignant tumors ranked first among critical illnesses, therefore, "Tsingshan Income Protection Insurance" can provide long-term compensation for severe malignant tumors, and as long as it is diagnosed with severe malignant tumors, it can get 100% of the basic sum assured, which does cover a wider range of people, which also reflects the people's nature of PICC Health to serve the people.
3. Functional impairment and disability income loss insurance
Permanent functional impairment is an important cause of income loss, and functional impairment income insurance is also a core protection of disability insurance. "Tsingshan Income Protection Insurance" covers damage to the brain, spinal cord and peripheral nerve functions; Functional impairment of thoracic and abdominal organs; limb motor function impairment; The definition of four categories of functional impairments, such as facial function impairment, is more relaxed, which can provide protection for more disabled patients who meet the claim conditions.
For example, if you buy 2 million sum insured (20,000 monthly basic sum assured), if you continue to meet the corresponding functional impairment compensation criteria, you can get 100% of the basic sum insured every month during this period.
The cost performance of "Tsingshan Income Protection Insurance":
"Tsingshan Income Protection Insurance" is a rare disability income loss insurance in the market in recent years, surgical hospitalization, critical illness and continuous functional impairment are covered, covering the vast majority of accidents and diseases that can not work, paid monthly, the protection is not interrupted after the compensation, and the maximum compensation is 2 million yuan, reflecting a high cost performance, and the cost performance score has reached 5 in the Ant Insurance Gold Selection score on the Alipay platform0 points.
Take a 30-year-old man and a woman as an example to show their premiums in different versions:
For example, a 30-year-old woman chooses the 5000 basic sum insured version, and the annual premium is less than 300 yuan, and the man is in his early 300s, and if it is paid monthly, it is not more than 30 yuan per month.
For consumers, disability insurance, a long-term income loss insurance, is not as well-known as critical illness insurance and million-dollar medical insurance, but after people lose their ability to work, it can really provide economic compensation to the family, so as not to become a burden and drag on the family, so that patients can live with more dignity, and it is also the best embodiment of people's insurance and serving the people!