Taikang Life Insurance has recently launched the "Taikang Huiying Life (Smart Version) Annuity Insurance (Dividend)" (hereinafter referred to as Hui Ying Life (Smart Version)) to accompany customers through the cycle and provide dual certainty of insurance protection and wealth management.
The classic combination of "Dividend Annuity + Universal Insurance Account" that can be insured at the age of 75
Huiying Life (Smart Version) is a participating annuity insurance. The product continues the classic and can provide customers with two cash flows. The survival pension is paid annually from the 6th to the age of 64, and the pension is paid annually from the age of 65 until the age of 105, and the dividend is also paid every year (not guaranteed). Specifically, the product has four major characteristics.
Lifelong collar. Huiying Life (Smart Edition) has a wider insurance age, and people aged 0-75 can be insured, which broadens the insured customer base, and can be insured at the age of 75, meeting the needs of the elderly market. From the 6th year after insurance to the age of 64, the insured will be paid a survival pension every year, and the pension will be paid every year from the age of 65 until the age of 105. Guaranteed "lifelong" stable cash flow, the longer you live, the more you will receive.
Note: "Lifetime" refers to the insurance period up to the age of 105, no survival pension for insurance over the age of 59, because the pension has already begun in the sixth year, and insurance for the age of 65 and above, the pension will start on the next day after the end of the hesitation period.
Regular turtleneck. From the sixth year onwards, the basic sum insured will be paid every year, which will be written into the insurance contract, and the safety will be guaranteed. For example, a 30-year-old man who pays 10,000 yuan in 10 years and pays an annual premium of 10,000 yuan will receive an annual amount of 2,690 yuan from the 6th year onwards until the age of 105.
Guaranteed multicollar. Compared with the previous Huiying Life (Adult Edition) annuity, the new product receives a higher annual survival benefit. If you die before the first pension date at the age of 65, the death benefit is provided in an amount equal to the greater of the premiums paid and the current value. If the insured person dies after the first pension date, the beneficiary is guaranteed to receive the benefit for 25 years.
Dividends are increased. It is also possible to receive annual dividends and share the company's operating results.
Note: The dividend depends on the actual operation of the company's participating insurance business, which is uncertain and may be 0.
In addition, Win Life (Smart Edition) Insurance Plan does not only sell a single annuity product, but also a classic combination plan of annuity + universal insurance account. The annuity can be combined with any of the three universal insurance accounts: Taikang Futai 2.0 Universal Account, Taikang Supreme 2.0 Universal Account and Taikang Elite Win 2.0 Universal Account to form an annuity insurance plan. Survival funds, pensions and annual dividends (non-guaranteed) enter the universal account with monthly compound interest and appreciation, realizing the perfect combination of capital security, liquidity and value-added, and its planning function is more prominent, and the application is more flexible, effectively helping customers to complete life goals such as wealth appreciation, pension and inheritance, and providing lifelong planning.
The minimum guaranteed interest rate of the three universal accounts with Win Life (Smart Edition) is 2.0%. The excellent performance of the universal insurance account also depends on Taikang's strong investment and financial management strength. As of 2023, Taikang's assets under management will exceed 3.1 trillion yuan. In 2023, Taikang Asset Management ranked 64th in the world and 3rd in China in the "Top 500 Global Asset Management" ranking by IPE, an international authoritative media.
Note: The income above the minimum guaranteed interest rate of the universal account is uncertain, and the historical settlement interest rate is for reference only and is not used as a commitment to future income; the entry of universal insurance and the partial receipt of the first five years will incur certain costs, which are subject to the terms and conditions; compound interest is an interest calculation method, which does not represent the company's commitment to income, and is subject to the actual interest rate announced by the company.
As one of Taikang Life's flagship products, Huiying Life (Smart Edition) provides three different versions, namely the high-neck version, the birthday version and the double version, realizing one product and three plans.
Among them, the high-collar version is a classic version, and customers only need to insure the basic insurance liability. Compared with the birthday version and the double version, the high-neck version has more survival funds, more money into the universal account, and other conditions are the same, the final benefit of the customer is more.
The birthday version is to pay the customer a life insurance money, which is equal to the total amount of insurance premiums paid, and this is written into the contract, so that after the total premium is guaranteed to be paid, the survival fund can continue to receive "life".
On the basis of the high-neck version, after the death of the first insured, the double version can continue to provide annual survival benefits for the second insured, and the amount of the benefit is still the basic sum insured, and the subsequent premiums are waived at the same time, so as to realize the wealth relay of husband and wife or two generations, or even the next generation, and help customers complete the family's wealth planning.
Product + service + ecology, reflecting the overall advantages of Taikang
In Taikang Life's view, the company has never sold a single insurance product, but the overall advantage of the insurance company. Therefore, Taikang's annuity products not only have a "lifelong" cash flow, but also provide customers with high-quality health management services - "Heart-Brain Tongkang" high-quality medical services.
Chen Dongsheng, chairman of Taikang Insurance Group, once mentioned in the book "The Age of Longevity", "the extension of life expectancy has made 'long-term survival with illness' the norm, and the traditional medical model with emergency treatment as the core will shift to the medical model with the whole life cycle health management as the core, and health has become the first element and the most valuable wealth of individual concern." ”
According to the report released by the National Center for Cardiovascular Diseases, the mainland is facing more and more serious cardiovascular and cerebrovascular diseases, with the number of people suffering from cardiovascular and cerebrovascular diseases reaching 330 million, 4.58 million people dying of cardiovascular and cerebrovascular diseases every year, and the disability rate of acute cardiovascular and cerebrovascular diseases reaching 45%, showing the characteristics of "three highs", and paying attention to cardiovascular and cerebrovascular health has become the "top priority" of every family.
Adhering to the concept of "prevention is greater than cure", Taikang deeply integrates the ecological resources of big health, and creates a high-quality medical service of "Heart-Brain Tongkang", featuring in-depth heart-brain joint screening, providing customers with a full-process heart-brain guardian program from pre-diagnosis screening, in-diagnosis medical treatment, and post-diagnosis rehabilitation.
In addition, in order to increase the health protection of customers, Taikang has also specially created Taikang's "Xinnaotai" medical insurance plan. If a cerebral aneurysm is detected during screening and timely surgery is required, the plan provides 1 million yuan of surgical medical insurance, 100,000 yuan of surgical hospitalization death benefit, and transportation and accommodation expenses for specific surgeries of unruptured cerebral aneurysm.
Note: Specific insurance liabilities and liability exemptions are subject to the terms of "Taikang Specific Brain Aneurysm Surgery 2022 Medical Insurance". Please be sure to carefully read the insurance terms and conditions regarding liability exemption, exclusion, obligation to truthfully inform, contract termination, waiting period and hospital scope, etc., and the specific service standards of Xinnao Tongkang are subject to the "Taikang Xinnao Tongkang High-end Medical Service Terms".
Taikang is committed to providing customers with better health and medical services with a complete ecosystem. Taikang has built three closed loops of longevity, health and wealth, especially promoting the health closed loop of "health insurance + health service + ecology", and building a three-tier system of health management services covering the whole health cycle of customers: self-built international medical centers, rehabilitation hospitals and related medical resources, investing in related big health enterprises, and cooperating with various big health resources at home and abroad to enrich the health care network.
Connect with Taikang Retirement Community and enjoy a long life
Huiying Life (Smart Edition) can also connect with the "Longevity Appointment" product of Happiness Appointment, and lock in the qualification of Taikang Home Retirement Community in advance if it meets the conditions, so as to help customers achieve a 100-year-old life of longevity, health and abundance. As a well-known high-quality pension chain brand in China, Taikang Home has laid out 40 projects in 35 cities across the country, of which 20 parks have been opened and operated, with more than 12,000 residents, continuing to lead the industry. Looking ahead, Taikang Life will fully adopt a new life insurance service model to provide customers and their families with a full range of wealth and health management services, helping them enjoy a longer, healthier and more prosperous life.
(Correspondent: Rao Jingcheng/Editor: Zhu Jiamin/First Instance: Tang Jie/Second Instance: Wang Taofang/Third Instance: Jiang Min)
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