Hello everyone, I'm Uncle Meow.
The main data of the seventh national census show that China's population aged 60 and above is 26.4 billion, accounting for 187%；Of these, 1900 million, accounting for 135%。According to the United Nations classification standard on aging, China has entered the aging of the population.
It is estimated that by 2050, China's elderly population aged 65 and above will reach 3About 800 million people, accounting for 28% of the total population, China will enter a severely aging society.
At present, there are 40 million disabled elderly people in China, and the moderately and severely disabled elderly are facing a large service gap and protection gap, and commercial insurance is urgently needed to play a greater role.
At this time, a type of insurance came into being - nursing insurance. One of the most representative products is Kunlun Health's "Happy Nian", as an old Internet celebrity change record, although it belongs to the "lifelong care insurance", but it also hides the shadow of another type of product behind it. What are the characteristics, let's take a look today.
The so-called nursing care insurance can be simply understood as the payment of long-term care insurance benefits according to the previous agreement after the insured loses the ability to live in daily life. It looks like a nursing care insurance, but in fact, its nursing protection function is only one of them, and its sum insured will increase regularly.
Although this kind of product provides care protection, its cash value is also continuing to grow, which can be regarded as the same type of product as the increase in whole life, that is to say, we judge how the income of a long-term care insurance is, in fact, it is to see whether its cash value grows fast, under the same investment, the higher the cash value, the faster the growth, the higher the natural income, the more worthy of this product to choose.
At the same time, there is also a ceiling on the compound interest of long-term care insurance, which is 30%, any product of the same type, will not exceed 30%。
Happy Nian comes from Kunlun Health, the term name is "Kunlun Health Happy Nian Nian Lifetime Care Insurance", the product form is actually relatively simple, that is, two protection responsibilities, one is the death benefit of illness, and the other is the long-term care protection that is more than the increase in life. Of course, the previous ones are not the point, the point is that the effective sum insured of this product is according to 30% compound interest increases, and the annual insurance reduction limit is 20% of the basic sum insured when the contract takes effect, and no additional insurance is supported. The basic form of the product is detailed in the figure below
Enjoy a total of five product features every year.
Compared with the first level of increased life on the market, the speed of enjoying the annual current price exceeding the premium is still quite fast, such as choosing to pay for 5 years, and after the payment period ends, the current price exceeds the premium in the 6th year, and begins to generate income.
In the past, we have also talked about several types of insurance reduction rules for increasing life, and the annual reduction of insurance is also written into the clause, according to 20% of the basic sum insured at the time of effect, which is also the best rule on the market at present, and the policy can be reduced after the hesitation period, and the fastest 5 years will be reduced. Of course, it is generally not recommended to start reducing the policy at an early stage for this type of product, which will affect the long-term benefit appreciation of the policy. If you really need money urgently, you can simply use the policy loan.
Compared with similar products, the health notice of Lexiang Nian is also a relatively relaxed level, and second-level hypertension, hepatitis B, thyroid nodules, breast nodules, etc. can be bought normally, which is relatively friendly. Of course, because it is a long-term care insurance, the health notice will be a little stricter than the increased whole life.
Since it is a nursing insurance, the health notice is a little stricter than the increase in whole life, so its claims will be more lenient, no need to die, once it is disabled, you can directly get compensation, get nursing money, and cover the high cost of subsequent care.
The old Lexiang product benefits in the market is the existence of the absolute child, the new Lexiang every year, although the scheduled interest rate has declined, but its long-term benefits compared with the same period in the market, is still in the first echelon.
Take a 30-year-old man who pays 100,000 yuan a year for 5 years as an example, let's see how its current price performs:
It can be seen that the current price exceeds the premium in the 6th year every year, and then the cash value rises rapidly, and the profit is doubled in the 28th year, and the IRR exceeds 27%, and continued to grow in the future, with the highest IRR breaking through 29%, which is a very impressive performance.
Kunlun Health Insurance was established in 2006 with a registered capital of 3.3 billion yuan and is a professional health insurance company. As one of the first professional health insurance companies in China, after more than ten years of development, it has grown into a medium-sized health insurance company with branches in Beijing, Shanghai, Guangdong, Zhejiang and Shandong.
As a professional health insurance company, Kunlun Health has a strong presence in the market over the years, whether it is the previous "health insurance" series of critical illness insurance products, or the nursing insurance products in the past two years, they are all popular and popular, and they have won numerous awards in the industry.
Kunlun Health's value-added services are also more detailed, according to the sum of premiums, you can enjoy different levels of health management value-added services during the policy payment period, covering physical examination services, medical green pass, family doctors, cell storage, etc.
At the same time, for nursing insurance customers with an annual payment of more than 20,000 yuan, they can also enjoy exclusive care services in the first year, covering four services: "Exclusive Nursing Service for Inpatient", "Post-hospital Home Care Guide", "Post-hospital Home Care Service" and "Assistance for Hospitalization Arrangements for Critical Illness (Including Suspected)".
As we all know, under the influence of the "integration of newspapers and banks", many first-echelon increased whole life products are being taken off the shelves one after another. After all, there are very few products on the market that can take into account the fast return on investment and high long-term benefits.
If you do have the need for capital product allocation in the near future, you can take it into consideration. If you want to compare with other similar products according to your own situation, you may wish to contact Uncle Meow in advance to assist you in choosing.
There is no perfect product, only a relatively perfect match, if you encounter confusion in the process of insurance purchase, welcome to consult.
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