After the age of 75, all kinds of human body functions decline significantly, not only easy to suffer from a variety of old age chronic diseases, need a long time to visit the doctor, and the chances of sudden illnesses rose significantly, there is a rapid delivery requirements, the basic medical insurance is the selection of senior citizen service centers is the most important evaluation indexes, therefore, the home of the partners focus on the requirements of the elderly to visit the doctor, to create a four-fold medical insurance system.
First, the opening of community medical services core to meet the requirements of chronic diseases. The big guys insurance pension street in each community has a medical service center, physicians on duty 24h, medical equipment and universal medicines are available to meet the requirements of the elderly light disease, chronic disease treatment. If the elderly must go out to the clinic, the community can also give the registration, help pick up medication service program.
Secondly, the neighboring tertiary hospitals, emergency department critical illnesses competing for time. Everyone insurance city heart of medical care combined community are strictly open site in the three hospitals next to the time of sudden illnesses, to create a life of gold line: sudden illness - intelligent products alarm - medical personnel immediately rushed to the selection of professional equipment to relocate the patient - sent to the three hospitals a block away.
Third, create a green channel policy to cover universal old age diseases. The group insurance retirement community and several tertiary hospitals have set up a collaborative green channel policy, multi-faceted cover cardiovascular and cerebrovascular disease, digestion and absorption, bone surgery, endocrine disorders, neurosurgery and other high prevalence of diseases in the elderly.
Fourth, to create a pre-existing Internet medical, without leaving the door to see authoritative experts. The group insurance pension community for the elderly group to create a "group of elders Internet health care", the three hospitals expert consultation expert consultation, take medicine to send medicine to the door, etc., can be carried out on the Internet.
Creating a five-dimensional entertainment protection systemIn addition to this, the Dahlia Insurance Retirement Community has also set up a five-dimensional entertainment protection system that closely follows the human body, cognitive ability, state of mind, social media, and emotional needs of the elderly; scientifically laid out a nutritional menu that includes "health indicator diets, disease-care diets, recovery-applicable diets, and specialty-fresh diets. Nutritional quantitative analysis of the menu; to give a different theme of leisure and vacation health care treatment process, so that families with elderly parents and children to enjoy the peace of mind at will, true love around the good life.
At this stage, the group insurance professional pension brand small friends home in China has completed the "city center medical care combination" "travel life recuperation" "home recuperation" Three pension service product series reasonable layout, in Beijing East Third Ring Road, Beijing South Second Ring Road, Beijing West Second Ring Road, Nanchang City key old city, Tianjin Tai'an Road center area site 5 high-quality constant care pension service center, in Hangzhou, Beidaihe, Sanya, Huangshan landing type 4 residential living community, in Beijing Foreign Ministry Street 33 courtyard to explore the core of the home care, the total **** for more than 2,000 elders Giving high quality senior care service programs.
There are certain differences between the development of China's pension industry and that of advanced countries. Promoting the development of the pension industry not only reduces the pressure on children, but also depicts the market prospects and grand blueprints for the future of the country's people in their old age. The home of the little ones from the elderly requirements considerations, logical thinking priority, development strategy reshaping, the use of the value of medical care combination, there is no doubt that the formation of a worthy of a look at the community senior care service innovation model. Daily life in the crowd insurance retirement community, elders enjoy peace of mind, comfortable old age, later life is filled with a sense of satisfaction.
Centennial life blessed version of the pension annuity insurance reliable?Method 1: see if there is no ensure to receive the functional characteristics
Financial investment, Yu Li Bao counts earnings smooth but very low future assets investment financial products, but due to the amount is too low, many people feel that there is little sense, and individual stocks, funds and so on must get a high return, you have to bear the relative high risk, are not suitable, annuity insurance relative security, but if there is an accident, resulting in the money to receive no The first thing you need to do is to get the money back, and many people will feel that it's not worth it, so if the pension annuity insurance is formulated to ensure that the role of the collection, the relative nature will be better, more reliable.
Understanding the life of the hundred years enjoy version of the old age service annuity insurance is reliable, goods involved in the cover to ensure that the role of the collection is particularly important, and therefore take the life of the hundred years enjoy version of the old age service annuity insurance goods as an example:
1, insurance insurance insurance age: born in the 7 days - 55 years old can buy insurance;
2, the starting amount of money: 5,000 yuan/year onwards can be;
3, the payment period: single payment, 3, 5 years;
4, the length of time to receive:
(1) men: 60, 65, 70 years old;
(2) women: 55, 60, 65 years old.
5. Length of insurance enrollment: Lifetime;
6. Length of receiving the end of the policy: Ensure to receive until the age of 80 years old.
It is not difficult to see, Centennial life blessed version of the pension service annuity insurance reliability is indisputable, if the very first 55 years of age to receive, you can be sure to receive 25 years, while the market to ensure that the receipt of the property of the pension insurance products, the general popularity of the guaranteed receipt of 20 years;
Method 2: look at the expected rate of return is not high
Although the old age annuity insurance commodities, the vast majority of the is to ensure that the lifetime, represents, as long as the person is also in, you can always receive pension insurance benefits. The longer you live, the more you will receive, but it doesn't mean that the expected rate of return is also high and the IRR value is idealized.
Therefore, take Centennial life blessed with version of the pension service annuity insurance goods as an example, assuming that the 30-year-old adult girls, pick 5 years to pay, the calendar year capital investment of 100,000, insured to lifetime, choose to receive at the age of 60, receive pension insurance benefits on an annual basis, detailed information is shown as follows:
1, the profit length of time: the 18th year, equal to the age of 48 years of age before the value of the policy can be more than the total cost of insurance, do not lose money;
2, survive the total interest: 80 years old that year the policy value of 1.98 million;
3, IRR value: 2.96%;
Centennial life blessed with version of the pension service annuity insurance profit rate is long, the value of the IRR compared to the same industry there is a certain difference in the lifetime of the life insurance, generally in the same premise, to do close to the 3.5%, the expected return and the IRR value to be concerned about. IRR value to cause concern.
This is the end of the review of the Centennial Life Fulfillment version of the pension service annuity insurance is reliable, and I hope it can be of some assistance.