Is Taikang's 2 million pension reliable?

Taikang's 2 million pension is not very reliable.

In June and April, Taikang Life Insurance announced that it would invest 4.2 billion yuan to build an old-age community in Songjiang New Town, Shanghai. Previously, Taikang successively obtained land for the aged in Beijing, Shanghai, Guangzhou and Sanya. Only one week later, Qianhai Life Insurance took away a piece of land for the aged with a total area of 65.438+0.09 million square meters at a price of 400 million yuan, and prepared to build a community for the aged here.

2. In the pension real estate market, the "insurance department" is stepping up its pace. Since 20 10 CIRC issued the Interim Measures for Insurance Funds to Invest in Real Estate, many insurance companies with huge sums of money have already laid out the construction of pension real estate projects in advance. The first community for the aged in China was built and put into operation by Hezhong Life Insurance in June 20 13. Insurance companies such as Taikang, Xinhua and Ping An are also seeking opportunities to invest in old-age real estate.

3. Taikang Life Insurance's insurance products designed around the old-age community require the insured to pay a total premium of not less than 2 million yuan before they are eligible to live in the old-age community when they retire. This pension plan is considered "too expensive". With the construction of the second old-age community in Taikang, a number of insurance products connected with the old-age community have also begun to be sold.

4. According to the customer service staff of Taikang Life Insurance, there are a variety of products that are connected with the old-age community at present. Starting from 2 million yuan, the insured needs to pay at least one or more premiums of not less than 2 million yuan, and only when they reach the legal retirement age can they be eligible to stay in the old-age community. After the product expires, the pension will be returned every year until death. At the same time, if the insured living in the old-age community is less than the actual ability, the immediate family members of the insured who have reached retirement age can have priority. But paying 2 million yuan does not mean once and for all. According to the terms of the contract, buying insurance is only qualified to live in the old-age community, which is equivalent to exempting the house rent for the next few decades, while the property fees, health fees, utilities, nursing fees and other expenses still need to be paid after living in.

1. Taikang Insurance Group Co., Ltd. was established in 1996 and is headquartered in Beijing. Up to now, it has developed into a large insurance financial service group covering three core businesses: insurance, asset management and medical treatment.