Community of provide for the aged is a new issue, deep La Jun is in the first phase program that sees strange flower say, collect fat mention, whether to want to hand in millions of insurance cost to join community of provide for the aged in the consideration.
Only senile talent cared provide for the aged in the past, actually this kind of idea is incorrect, essence of provide for the aged is a kind of financial program, need has a consideration ahead of schedule.
The method of provide for the aged has a lot of, deep today La Jun takes you to uncover the most expensive inside secret the sort of, talk about the community of provide for the aged that insurance company rolls out together.
Main content is as follows:
1) 3 big characteristics, uncover community of secret provide for the aged for you
2) join community of provide for the aged, how many money should spend?
3) it is easy to join community of provide for the aged?
One, 3 big characteristics, uncover community of secret provide for the aged for youMost person thinks of orgnaization of provide for the aged, the environment that what think of possibly above all in brain is alone life, dirty chaos and the service that do not reach the designated position.
And the community of provide for the aged that insurance company rolls out, may overturn you before acknowledge. Community of this kind of provide for the aged is a purpose with providing high quality senile life, combine medical treatment and look of provide for the aged, have the following advantages:
Advantage 1: Surroundings is advantageous
Everybody mentions hotel of 5 stars class, in brain flashy skip those who go out is " high end, air, on class " , if this word uses community of appearance provide for the aged, can saying is a go even farther than.
True condition of community of some provide for the aged pursues
The room of community all lives alone for the individual, there is special kitchen to be able to prepare food for you inside. Nurse within call, inside the room all decorating also is complete basis the characteristic of old people will design.
For instance: The cat eye of two discretion was designed on the door, with the old person of inconvenience of convenient ability to walk. All furniture all use the design of round horn, avoid old person clash. Toilet installs the armrest that help strength, the head of a bed designs urgent pushbutton, the place of anyhow detail sees one spot.
Additionally recreational side has a variety of project choices: Huge field, swim have everything that one expects to find of pool, gym, artistic respect music, piano, inwrought also downfallen below, still senile university, cathedral, museum waits. Can say to consider the need of different person.
Community of some provide for the aged is indoor gym
No matter be the life or recreation, achieved life quality of high end completely, can experience what also do not enjoy in the home is cheerful even.
Advantage 2: Medical treatment natural resources is solid
The person is old, seasonable cure is couldn't get after the afraidest likelihood falls ill namely, the settlement with very good community of provide for the aged this one problem.
Not only the medical treatment relieve a sick or injured person that has 24 hours serves, orgnaization of rehabilitation of professional medical treatment still is built oneself inside community, established connection with a lot of 3 armour hospitals, still have collaboration with the high-end hospital of a few abroad, make sure the old person is OK the treatment that wins high quality for a short while.
Advantage 3: Food abounds health
Deserve to have professional food adviser, everyday technical staff undertakes purchasing to food, make sure those who feed capable person is fresh. Everyday more than 20 kinds of dish offer an alternative, special food is used to, OK still and private custom-built.
Community of provide for the aged is in assure old person life and recreational character while, return give attention to two or morethings medical treatment condition, can say to satisfy all illusion that a person lives to old age.
2, join community of provide for the aged, how many money should spend?As aged the accentuation of the problem, a lot of enterprises value property of provide for the aged and begin distribution, have business of operation of traditional room look forward to, provide for the aged, insurance company, what deep La Jun should introduce is the community of provide for the aged that insurance company shares position.
Different religion is devotional, the establishment such as family hall for worshipping Buddha also is offerred inside community
1, what insurance company has community of provide for the aged?
Deep La Jun contrasted in detail community of 9 provide for the aged, and kiss made an on-the-spot investigation in Shenzhen periphery oneself, choose a 4 furniture to have finally undertake an analysis representatively:
Peaceful Kang Renshou peace and tranquility of China of cereal of preserve one's health of life of adult of constant of Home Tai Kangzhi is happy provide for the aged of Ming Huichen of Guang Dayong of the series that enjoy the homeNot be every city has community of such provide for the aged, peaceful health, constant is big, smooth Dayongming 3, on actor preexistence north wide wait for the layout in city of a gleam of, and the course that what constant goes greatly is city of development second line.
Community of some provide for the aged are insurance company and collaboration of business of operation of provide for the aged, investment of capital of insurance company of this kind of pattern is little, simple and agile. Heng Dahe is smooth community of provide for the aged is this kind of mode at present, by the joint development of a few companies with subordinate group.
And community of some provide for the aged are him insurance company takes the ground, construction, operation. This kind of mode is taller to demand of capital actual strength, and periodic and longer, but economy of standard of light body etiquette. Peaceful health the Chinese parasol other people of series of Home Tai Kangzhi, peace and tranquility uses this kind of pattern namely.
But bear the fund with huge be confined to and construction time cost, wide range of community of provide for the aged is enclothed still need a few time.
2, does community of provide for the aged collect fees expensive?
The size of the economic standard that the price of community of provide for the aged is in an area, room, cure raises service water equality, also meet on the price differ in thousands ways.
Deep La Jun arranged community of different live out one's life in retirement to be in the price of popular city, viewing next particular price systems is how:
Above month expends the charge that includes the life that occupy the home only, and nurse cost, food expenses and medical treatment charge are not included inside, the price that eat expends each company to give out is similar, be in on average 1200-2000 or so yuan.
Summary comes down is every months of fixed charge, should be in at least 10 thousand - 20 thousand between, get room of be confined to size, living number each are not identical, each difference is very big, here offers reference only.
3, how can you just join community of provide for the aged?Must not think every month requires pay only 10 thousand yuan month cost, can enter the service that enjoys high end, must want to solve qualificatory problem before be entered.
Community of some provide for the aged swim graph of Chi Shi scene
The competence that how can you just gain? The answer is very simple also, want to give in the cash pledge of 1 million to give insurance company, perhaps purchase insurance cost the about a hundred insurance of 10 thousand.
We see these two kinds of difference that get a qualification respectively:
Means 1: Make deposit, do not buy insurance
What at present cash pledge price can decide is Home Tai Kangzhi, amount is not cheap nevertheless. With Beijing of Home Tai Kangzhi Yan Yuan is exemple, cash pledge divides composition by two: Introductory cost and happy peaceful fortune get stuck, specific collect fees as follows:
The action that happy peaceful fortune blocks is equivalent to " dozen lose check " , different door model price of check of Le Tai fortune is different, into the month after living cost can enjoy a discount, be in probably 6 fold the left and right sides.
If later the choice does not live in community, these cash pledge can be returned in proportion, with Le Tai card is exemple:
Enter inside March: Sum returns in March - 1 year: Return 92% enter - 2 years: Return 95% enter - 3 years: Return 97% enter above: Sum is returnedDeep La Jun sought advice from a lot of customer service, because community of other provide for the aged cooperate square reason, current deposit system is not particular still announce, these just present what I understand come out.
Means 2: Do not make deposit, buy insurance
If do not want to make deposit, buy high specified number to be sure to be able to join community of provide for the aged likewise. Nevertheless requirement of this insurance cost is not fixed, different company asks to differ:
Peaceful health, constant is too big, smooth want 1.5 million cases at least, smooth Dayongming is in 300 thousand cases. Although buy insurance, can have a qualification, but different insurance capture expends means, enjoys rights and interests is different:
One-time wholesale hands in: Can obtain immediately assure authority to press year of pay cost: Can enjoy preferential enter advantageous position, the ability after insurance cost capture is clear has assure authorityAssuring authority is to point to after submitting application, affirmative inside conventional time meeting is arranged. Preferential entering advantageous position is to show coequal circumstance falls, enjoy than cash pledge user preferential the right that enters, but still need to queue up to await.
4, endowment insurance, be worth to buy really?We look together buy what insurance, can ability join community of provide for the aged?
At present community of these provide for the aged basically are annuity danger to what receive, differ as a result of what popularize channel nevertheless, even if same a community, the annuity product of the butt joint also has a lot of.
1, buy what insurance, can you gain a competence?
Deep La Jun chose to compare the product of the mainstream among them, additionally union pays treasure newest on worn the whole people is protected (annuity danger) , undertake contrasting analytic together:
To annuity danger this kind of conduct financial transactions product, deep La Jun not quite suggest average household is bought, not only profit is small, also did not ensure action almost.
But this kind of conduct financial transactions insurance also has suitable multitude:
Safeguard insurance has been configured enough;
The investment medium of communication that has other high profit (house property, stock, fund, national debt) ;
Have brushstroke unused capital, expectation achieves safe, dovish, certain earnings through danger of conduct financial transactions.
I feel common to be versed in firewood family is not to suit to buy similar product very much, deep La Jun is in " incorrect economy kind, it is the fastest go bankrupt method " in, had demonstrated my attitude in detail.
2, pay treasure the whole people to protect, be worth to buy?
Curiosity of additionally a lot of people pays treasure to go up advocate the whole people that push guarantees lifelong old-age pension, whether be worth to buy? Deep La Jun also undertakes brief evaluation here.
Publicize an interface through the product, we can see the advantage of this product:
Want to make brushstroke money only, can get old-age pension all one's life, for instance deep La Jun throws 10 thousand yuan, according to acquiesce it is to show, highest and OK get 50 thousand much, visual stimulation is very strong.
Is this insurance worth to buy? Deep La Jun reminds you a few following risks:
Risk 1: Share out bonus is not affirmatory
Indication page acquiesce shows according to high-grade accrual, and if according to cheap will show, so share out bonus is 0, namely a minute of money is not divided, this also is possible presence.
Risk 2: Product income is not high
Do not feel devoted 10 thousand can take 50 thousand, it is with male of 30 years old actually exemple, devoted capital 10 thousand yuan, hold can obtain the capital of 1.8 times the 30th year, accrual of 30 years is only year change 2% the left and right sides, want to run winning inflation is impossible.
Risk 3: Capital is covered for a long time prison
It is with male of 30 years old likewise exemple, devoted capital 10 thousand yuan, if retreat,protect, retreat protecting is deficit 7 years afore, in the 8th year ability is protected this. If be badly in need of,spend money before 8 years that is to say, retreat protect do not have accrual not only, still be lose money in business.
So financial product cannot see earnings only, the requirement that still wants him tie will consider. Be opposite with me the understanding that pays treasure the user, likelihood the majority is a youth, the youth that I feel the budget is limited does not suit to buy the whole people to defend endowment insurance too.
Their follow-up him investment, marry, buy room, parturient expenditure to return a lot of, if be cast blindly,defend endowment insurance, not only income is not high, and be badly in need of spending money to still do not have method to change now.
5, write finallyThe means of provide for the aged has a lot of, no matter be courtyard of the provide for the aged that occupy the home, community provide for the aged, senile still welfare, it is a form just.
The essence of provide for the aged is financial program, need undertakes shifting to an earlier date preparatory, we had introduced a lot of kinds of measure that answer provide for the aged, the friend that have fun at can be in " I am very few exaggerate sth just to scare people, was frightened this really jump " examine in the article.
It is a favour against a rainy day, but also hope everybody establishs right idea. Insurance provide for the aged is not the most efficient way, him investment is better choice probably.
Hope today's article can help you, also welcome to share the close friends that has need: )
Life does not have the route that takes in vain, the each step that you take count, wish future often can depend on everybody somewhat: )