Just like the other five insurances of social security, it can only solve the most basic nursing needs of the disabled.
If you want to have more adequate nursing security and financial support, you still need commercial nursing insurance as a supplement.
Kunlun Health Zeng No.3 Lifelong Care Insurance is a life-long care insurance launched by Kunlun Health.
Today, we will take Kunlun Health Increase No.3 Lifelong Care Insurance as an example to talk about whether it is necessary to buy commercial insurance.
1, how about Kunlun Health Plus No.3 Lifelong Care Insurance?
2. Is it necessary to buy commercial insurance?
3. Summary
First, the health of Kunlun has increased. How about life-long care insurance on the 3rd?
As usual, let's take a look at the basic content of Kunlun Health Plus 3.
As can be seen from the table, the insurance rules of Kunlun Health Increase No.3 Lifelong Care Insurance are not very strict.
The maximum insurance age is 70 years old, and retirees can also enjoy insurance opportunities.
You can also choose the payment method freely, which can be paid in one lump sum or in three, five or 10 years.
However, the initial insurance premium is a bit high, and the minimum annual payment is 1 1,000 yuan.
Kunlun Health Zeng No.3 Lifelong Care Insurance provides death/total disability and long-term care.
Death/total disability/nursing insurance benefits are closely related to the age of the insured.
/kloc-before and after 0/8 years of age and before and after the payment period, the benefits paid by Kunlun Health Plus No.3 lifelong care insurance are different.
/kloc-After the age of 0/8, the insured is more likely to pay cash value and more insurance money after the payment period ends.
Let's take a 30-year-old male who pays 6.5438+million annually and * * * 500,000 in five years as an example to see the cash value of Kunlun Health Plus No.3 lifelong care insurance.
As can be seen from the table, the insurance coverage of Kunlun Health Increase No.3 Lifelong Care Insurance is the same as that of long-term care insurance.
Before the insured is 50 years old, the cash value of the policy is less than the amount of sickness death insurance and long-term care insurance.
After the insured is 50 years old, the cash value of the policy is equal to the amount of sickness death insurance and long-term care insurance.
There is a time point to be noted here. When the insured is 39 years old, the cash value of the policy reaches 568,027 yuan, which exceeds the paid premium for the first time.
At this time, if you want to surrender, there is basically no economic loss.
After that, the cash value of Kunlun Health Zeng No.3 lifelong care insurance basically doubled.
The maximum is 5 187336 yuan, which is more than ten times the premium paid.
IRR is as high as 3.498%, which is infinitely close to the upper limit of the market predetermined interest rate of 3.5%.
In the middle and late period of the policy, the cash value of Kunlun Health Plus No.3 lifelong care insurance is quite high, and the income is very considerable.
In case of the unfortunate death/total disability or disability of the insured, a considerable nursing guarantee can be obtained. How about Kunlun Health Plus No.3 Lifelong Care Insurance? Next:
Second, is it necessary to buy commercial insurance?
Social security is essentially a social welfare system, which can only meet people's most basic security needs.
If you want to pursue more adequate protection, you still need to configure commercial insurance.
Taking the long-term care insurance mentioned above as an example, let's take a look at the protection of long-term care insurance in Chongqing.
Chongqing's long-term care insurance is divided into the following three types. When the insured reaches the disability standard stipulated in the policy, he can choose one of them at will.
Personal care at home: The insured person lives at home, and the personal caregiver designated by himself or his guardian provides on-site service, and can enjoy the subsidy of 40 yuan/day.
Home care: If the insured person is assigned by his guardian to provide home care, he can enjoy the subsidy of 50 yuan/day.
Centralized nursing in institutions: The insured person can enjoy the subsidy of 50 yuan/day when staying in a long-term nursing institution designated by himself or his guardian, which provides nursing services.
After our calculation, commercial long-term care insurance, such as Kunlun Health Insurance No.3 Lifelong Care Insurance,
Even during the payment period, the nursing insurance premium obtained by the insured due to disability is considerable.
After the payment period, with the increase of the insured's age, the nursing insurance premium will be more, even as high as ten times the premium paid.
The premium and nursing guarantee of commercial long-term care insurance are directly proportional to the premium paid and the insurance period.
With the passage of time, the more investment, the more adequate security.
In a word, social security is the most basic guarantee. If we need to pursue more adequate and comprehensive protection, we still need to allocate commercial insurance.
Three. abstract
When the economic strength allows, configuring a commercial long-term care insurance for yourself or your family can not only enjoy relatively adequate care security, but also realize the stable appreciation of funds.
Cooperating with social security can also make our life more secure.
Even if you are disabled, you will not completely lose your financial resources, which can effectively reduce the economic burden that disability brings to your family.
How about Kunlun Health Plus No.3 Lifelong Care Insurance? Is it necessary to buy commercial insurance? Write it here.