First, establish community medical services as the core to meet the needs of chronic diseases. Everyone has a medical service center for the elderly in every community of the insurance street. There is a doctor on duty 24 hours a day, and medical equipment and general drugs are readily available, which can meet the treatment requirements of mild and chronic diseases of the elderly. If the elderly must go out to see a doctor, the community can also provide services such as registration and help with medicine.
Second, the adjacent top three hospitals, emergency critical race against time. People's insurance company, heart, medicine and community are strictly located next to the top three hospitals. When there is a sudden illness, a golden line of life is created: sudden illness-intelligent product alarm-medical staff will come immediately and choose professional equipment to relocate the patient-to the third-class hospital across the street.
Third, create a green channel policy to cover common diseases of the elderly. Everyone's insurance retirement community has established a cooperative green channel policy with several 3A hospitals, covering cardiovascular and cerebrovascular diseases, digestion and absorption, orthopedics, endocrine disorders, neurosurgery and other high-risk diseases of the elderly.
Fourth, build an existing Internet medical service, and never go out to see authoritative experts. Everyone's insurance pension community has created "Internet pension medical care" for the elderly. Experts in the top three hospitals can consult experts and take medicine to the door, all of which can be done online.
Create a five-dimensional entertainment security system. In addition, the universal insurance pension community has built a five-dimensional entertainment security system around the body, cognitive ability, mentality, social media and emotional needs of the elderly; Scientific layout includes quantitative analysis recipes of "health index diet, disease health care diet, recovery applicable diet and delicious diet"; Give the elderly a different theme of leisure and holiday health, and let families with elderly parents and children enjoy a happy life surrounded by true feelings.
At the present stage, Friends' Home of Insurance Professional Pension Brand has completed the rational distribution of three series of pension service products in China, including urban care and nursing, combination of housing and nursing, and home-based pension, and has settled in five high-quality continuous care pension service centers in Beijing East Third Ring Road, Beijing South Second Ring Road, Beijing West Second Ring Road, Nanchang Key Old Town, Tianjin Tai 'an Road Central District, and four landing pension service centers in Hangzhou, Beidaihe, Sanya and Huangshan.
There are some gaps between the development of China's pension industry and that of developed countries. Promoting the development of pension industry can not only reduce the pressure on children, but also depict the market prospect and grand blueprint of China people's life in their later years. Friends' families consider the requirements of elders, give priority to logical thinking, reshape development strategies, and combine use value with medical care, which undoubtedly forms an innovative model of community pension service worth seeing. Daily life in the public maintenance of the old community, the elderly enjoy a stable and comfortable old-age life, and their later life is full of satisfaction.
Is it reliable for centenarians to enjoy pension annuity insurance? Method 1: See if you can guarantee to receive the features.
In financial investment, Jade Bao Li is an investment and wealth management product with stable income but extremely low future assets. However, due to the low quota, many people find it meaningless. However, it is inappropriate for stocks and funds to bear corresponding high risks if they have to obtain high returns. Annuity insurance is relatively safe. But if an accident happens and the money can't be collected, many people will feel worthless. Therefore, it will be better and more reliable if the pension annuity insurance is formulated and guaranteed to be collected.
It is very important to know whether the pension service annuity insurance of Centennial Life is reliable, and the protection involved in the goods ensures the collection. Therefore, take the pension service annuity insurance product of Centennial Life as an example:
1, insurance age: 7 days after birth -55 years old can buy insurance;
2. Initial investment: 5,000 yuan/year;
3. Payment term: one-time payment, 3-5 years payment;
4. Collection time:
(1) Male: 60, 65, 70 years old;
(2) Lady: 55, 60, 65 years old.
5. Insurance period: life;
6. Warranty period: ensure that you are 80 years old.
It is not difficult to see that the reliability of the centennial version of pension service annuity insurance is beyond doubt. If you receive it at the age of 55 at the beginning, you can guarantee to receive it for 25 years, and the property endowment insurance products that are guaranteed to be guaranteed in the market are generally popular.
Method 2: See if the expected rate of return is high.
Although most pension insurance products are lifetime insurance, it means that as long as people are there, they can always receive pension insurance. The longer you live, the more you get, but it doesn't mean that the expected rate of return is also high, and the IRR value is idealized.
Therefore, taking the centennial version of the pension service annuity insurance product as an example, suppose a 30-year-old adult woman chooses to pay for 5 years, with a capital investment of 654.38+ million over the years, and chooses to receive the pension insurance at the age of 60, as follows:
1. Profit period:No. 18. Only when the policy value is equivalent to 48 years old can it exceed the total premium without losing money;
2. Total survival rights and interests: at the age of 80, the policy value is 654.38+0.98 million;
3. Internal rate of return: 2.96%;
The pension service annuity insurance for centenarians has a long profit rate and the IRR value is different from that of the same industry. General final life insurance can be close to 3.5% under the same premise, so pay attention to the expected rate of return and IRR value.
The reliability review of the centennial edition of pension service annuity insurance is introduced here, hoping to be helpful.