As my country's population aging trend has accelerated in recent years, data from the National Bureau of Statistics shows that in 2021, the elderly population over 65 years old accounted for 14.2% of the total population in the country, marking that China has officially entered the stage of deep aging. The "pension anxiety" caused by the intensified aging has prompted people to pay more and more attention to individual comprehensive pension plans. The demand for personal pension insurance is becoming increasingly prominent, and a stable and reliable pension security plan has become people's desire for a quality pension life.
Following the promulgation of the "Opinions of the General Office of the State Council on Promoting the Development of Personal Pensions" and the "National Development and Elderly Service System Plan for the "14th Five-Year Plan" for the Development of the Aging Causes and Elderly Pension Service System", the China Banking and Insurance Regulatory Commission recently issued the "Notice on Standardizing and Promoting the Development of Commercial Pension Financial Business", to promote banking and insurance institutions to give full play to their own advantages, better serve the construction of a multi-level and multi-pillar pension insurance system, and meet the people's growing pension security needs.
Recently, Sino-US United MetLife Co., Ltd. (hereinafter referred to as "Metropolitan Life") Caring for Yinian Health and Elderly Insurance Products is officially launched on May 20. It is understood that the "Care Yi Nian" product plan design fully reflects the pension attributes, and meets customers' long-term pension needs and life cycle characteristics, covering multiple protection support such as pension annuity, death insurance, and long-term care insurance. Among them, "Hui Yi Nian Pension Annuity Insurance (Diployment Type)" has the characteristics of guaranteed pension annuity payment of 20 years to life, flexible choice of the starting age, support annual and monthly, and customers can enjoy lifelong dividend opportunities, which effectively meets the needs of people in the longevity era for lifelong pension planning. "Additional Metropolitan Protection Long-term Care Insurance (2022)" is specially designed to meet the long-term care needs caused by specific diseases or accidents, covering a number of protections such as long-term care insurance for specific diseases or accidents, serious cognitive impairment care insurance for nursing. The insurance period is lifelong and guaranteed to receive 10 years.
enriches the supply side, providing customers with stable and reliable personal pension reserves and long-term care guarantees that can be received for life and are safe and reliable. On the basis of lifelong protection, the "Care Yi Nian" pension annuity is guaranteed to be paid for 20 years from the date of first receipt (inclusive), and the various nursing insurance premiums are guaranteed to be paid for 10 years. If you die during the guaranteed period of collection, you will be paid the beneficiary with a one-time pension annuity and nursing balance. For different customer groups, "Care Yi Nian" helps customers to continuously, flexibly and scientifically customize pension plans on demand, set up multiple pension annuities and nursing insurance payments and ways to collect pension annuities and nursing insurance payments. Both pension annuities and nursing insurance payments are supported for annual and monthly payments. When the age of starting up matches the legal retirement year, there are multiple options for pension annuity collection. Female insureds can receive ages of 55, 60 or 65, and male insureds can receive ages of 60, 65 or 70, allowing users to enjoy peace of mind through products that truly suit them.
Innovation of "product + service" to truly realize one-stop elderly care that cares for two generations
Relevant person in charge of Metropolitan Life said that the "Care Yinian Health Pension Insurance Product Plan" demonstrates human care with warm insurance, and truly makes customers feel worry-free. Customers can not only enjoy flexible and stable financial guarantees, but also have high-quality care and health protection for quality elderly care. Under the concept of "care protection, care is doubled", "Additional Metropolis Protection Long-term Care Insurance (2022)" can receive 100% basic insurance long-term care insurance for specific diseases or accidental disabilities every year when the customer reaches the agreed disability or dementia state due to grade 1-4 accidental disability before the first insurance policy anniversary of one of 20 specific diseases or over 75 years old; if the customer is diagnosed with severe Alzheimer's disease for the first time, and the severe primary Parkinson's disease caused by the first diagnosis, he or she can also receive an additional 30% basic insurance for severe cognitive impairment care insurance for the severe cognitive impairment care insurance for 10 years.If you start paying any nursing insurance premium, you will be exempted from the remaining nursing insurance premium.
Not only that, "Care Yi Nian" has also launched a supporting value-added service through the innovative "product + service" elderly care solution model, "one-stop family elderly care care shared by two generations", providing customers and their parents with professional physical and mental care, health care, living and elderly care planning and other practical support, taking into account the current and future elderly care needs of customers and their parents.
In today's society, more and more young people choose to leave their parents and work hard in first- and second-tier cities, but as their parents grow older, they also need the care of their family. "Care Yi Nian" supporting value-added services specifically provide targeted elderly care services for customers and their parents, covering health consultations that combine physical and mental health, rapid arrangement of special examinations and follow-up visits for high-incidence diseases, outpatient coordination and appointments, full medical accompanies, home-based health care home assessment and guidance, life information inquiry assistant, retirement life planning consultation, etc. Even if the client lives in a different place with his parents, he can provide them with caring and professional comprehensive elderly care services, so that both generations can enjoy a wonderful retirement life in the present and in the future.
With the release of the Caring Yi Nian Health Pension Insurance Product Plan, Metropolitan Life will continue to adhere to the orientation of enhancing customers' sense of gain, happiness and security, deepen the supply-side reform and innovation of "product + service + customer experience", deepen the field of personal commercial pension security, and provide targeted and comprehensive protection solutions for the diversified needs of different families at different stages of their lives, so as to jointly control a better future.
