How should the elderly plan old-age insurance?

With the decline of birth rate and the gradual aggravation of population aging, the problem of providing for the aged is a frontier issue in China and even the world. With the rapid development of the Internet era, artificial intelligence will completely liberate human capital, and the value of the elderly will be re-recognized, positioned and explored, instead of staying in the rigid positioning of consumers of social resources.

The elderly have rich social experience and can still make positive contributions to social progress. After years of study and accumulation, some old doctors and professors can still give more guidance to young people in their posts. Just as the old saying goes-the old people at home are like treasures. The most famous is Professor Zhong Nanshan, who is 84 years old. He is still fighting for the elimination of COVID-19 and has made great contributions to the hard-won anti-epidemic achievements of China today.

Old people can continue to shine for the society, but after all, their health is not as good as that of young people, and they will have some problems more or less, and their emergency response is slow, so they also need insurance protection. Today, let's talk about the old-age insurance planning and pension annuity that the elderly are more concerned about.

First, how should the endowment insurance be planned?

Old-age insurance planning can be viewed from two levels: social insurance and commercial insurance:

(1) social insurance

Endowment insurance in social insurance is a kind of guarantee provided by the state for people after retirement. The state can issue a fixed pension every month, which can guarantee the basic living needs of the elderly and provide a stable and reliable source of life. In addition, medical insurance in social insurance can provide protection for the elderly when they are sick, so as to avoid delaying treatment because of high expenses when they are sick.

(2) Commercial insurance

In commercial insurance, accident insurance, medical insurance and endowment insurance can be configured.

1, pension annuity insurance

After buying accident insurance and medical insurance, the elderly can also buy an annuity insurance. Annuity insurance will return a sum of money regularly at a specified time in life, which can guarantee part of the living economy of the elderly.

The annuity of the old-age pension insurance is fixed, which has been clearly written in the contract when insured, and the benefit is fixed. Secondly, insurance companies are regulated by China Banking and Insurance Regulatory Commission. Even if the insurance company goes bankrupt, the purchased endowment insurance is taken over by other insurance companies, and the contract is still valid, which does not affect the annuity collection.

In addition, endowment insurance also has the function of compulsory savings. In other words, when you buy pension annuity insurance, you need to pay the premium according to, and this insurance money is not taken out when you want to, but when it is agreed in the contract. Surrender will cause losses, so it can play the role of compulsory savings.

2. Accident insurance

Older people will be slower to respond to accidents. In addition, the bone density of the elderly will also decrease. If you accidentally fall, it will easily lead to fractures and so on. According to statistics, accidental falls have become the first cause of death for the elderly over 65 years old. Therefore, it can be concluded that the probability of accidental injury in the elderly is much higher than that in other age groups. It is very necessary to buy an accident insurance.

Most accident insurance is not a health notice, and you can get a high amount of insurance by paying a few hundred yuan a year.

Among them, the elderly can consider the coverage of comprehensive accident insurance is relatively large; Secondly, if the elderly like traveling, traffic accident insurance is also a good choice.

3. Medical insurance

The health of the elderly will decline with age, and there will be more and more diseases. Frequent hospitalization, medical expenses will be a big problem, and it may even drag down the whole family. Therefore, it is very appropriate to buy a medical insurance to solve the problem of medical expenses and have sufficient protection.

For the healthy elderly, it can meet the requirements of health notification. Millions of medical insurance is the most comprehensive protection, and it is not limited to diseases. As long as the hospitalization exceeds the deductible, it can be reimbursed.

For the elderly who do not meet the requirements of health notification, they can choose anti-cancer medical insurance and reimburse the cost of cancer treatment. Most Huimin insurance companies have no health notification and can be reimbursed within the scope of social security.

Second, write it at the end.

Although the old man is old, he can still shine and make contributions to this society. While continuing to contribute, we can buy accident insurance, medical insurance and old-age insurance to protect our physical and economic life and let us have no worries.