贝蒂斯官网 :银保监会:老年人商业保险产品供给覆盖5900多万人

贝蒂斯官网 2019【年】【,】【银】【保】【监】【会】【研】【究】【制】【定】【加】【快】【商】【业】【养】【老】【保】【险】【发】【展】【的】【政】【策】【意】【见】【,】【明】【确】【力】【争】【到】2025【年】【为】【参】【保】【人】【积】【累】6【万】【亿】【元】(【人】【民】【币】【,】【下】【同】)【养】【老】【保】【险】【责】【任】【准】【备】【金】【的】【发】【展】【目】【标】【。】【去】【年】1【至】12【月】【,】【中】【国】【退】【休】【后】【分】【期】【领】【取】【养】【老】【金】【的】【养】【老】【年】【金】【保】【险】【保】【费】【收】【入】543【亿】【元】【,】【积】【累】【保】【险】【责】【任】【准】【备】【金】5285【亿】【元】【。】

【此】【外】【,】【官】【方】【还】【推】【动】【个】【人】【税】【收】【递】【延】【型】【商】【业】【养】【老】【保】【险】【试】【开】【展】【,】【并】【积】【极】【参】【与】【第】【三】【支】【柱】【制】【度】【个】【人】【养】【老】【金】【制】【度】【建】【设】【。】

【在】【此】【背】【景】【下】【,】【中】【国】【老】【年】【人】【保】【险】【产】【品】【供】【给】【不】【断】【加】【大】【。】【数】【据】【显】【示】【,】【目】【前】【保】【险】【公】【司】【在】【售】【产】【品】【中】【,】【被】【保】【险】【人】【可】【以】【是】65【岁】【及】【以】【上】【老】【年】【人】【的】【产】【品】【有】2400【余】【个】【,】【占】【人】【身】【险】【公】【司】【全】【部】【在】【售】【产】【品】【的】【三】【分】【之】【一】【,】【险】【种】【类】【别】【包】【括】【人】【寿】【保】【险】【、】【年】【金】【保】【险】【、】【健】【康】【保】【险】【、】【意】【外】【险】【等】4【大】【类】【,】【基】【本】【做】【到】【险】【种】【全】【覆】【盖】【。】

【在】【保】【障】【范】【围】【方】【面】【,】【目】【前】【商】【业】【保】【险】【有】【效】【保】【单】【中】【,】【被】【保】【险】【人】【为】65【岁】【及】【以】【上】【老】【年】【人】5918【万】【人】【,】【有】【效】【保】【单】【共】【计】1.49【亿】【件】【,】【其】【中】【近】2000【万】【老】【年】【人】【购】【买】【了】【健】【康】【险】【,】【保】【单】【共】【计】6493【万】【件】【,】【意】【外】【险】【和】【健】【康】【险】【保】【单】【占】【比】92.3%【。】65【岁】【及】【以】【上】【老】【年】【人】【商】【业】【保】【险】【渗】【透】【率】【为】35.5%【,】【与】【商】【业】【人】【身】【保】【险】【总】【渗】【透】【率】39.86%【,】【大】【体】【一】【致】【。】

【理】【赔】【力】【度】【也】【持】【续】【加】【大】【。】【老】【年】【人】【保】【单】【的】【赔】【付】【责】【任】【主】【要】【集】【中】【在】【寿】【险】【和】【健】【康】【险】【。】【过】【去】5【年】【来】【,】【保】【险】【公】【司】【累】【计】【为】65【岁】【及】【以】【上】【老】【年】【人】【办】【理】5753【万】【次】【赔】【付】【,】【金】【额】2340【亿】【元】【。】【其】【中】【寿】【险】【保】【单】【给】【付】【金】【额】1866【亿】【元】【,】【健】【康】【险】【给】【付】338【亿】【元】【,】【年】【金】【给】【付】124【亿】【元】【,】【意】【外】【险】【赔】【付】12【亿】【元】【。】

【就】【如】【何】【持】【续】【推】【进】【老】【年】【人】【商】【业】【保】【险】【发】【展】【,】【银】【保】【监】【会】【称】【,】【下】【一】【步】【将】【要】【求】【保】【险】【公】【司】【结】【合】【老】【年】【人】【风】【险】【特】【征】【和】【需】【求】【特】【点】【,】【有】【针】【对】【性】【地】【开】【发】【专】【属】【保】【险】【产】【品】【;】【适】【时】【将】【个】【人】【税】【收】【递】【延】【型】【商】【业】【养】【老】【保】【险】【试】【点】【扩】【展】【到】【全】【国】【范】【围】【;】【运】【用】【多】【种】【方】【式】【尽】【快】【引】【进】【具】【有】【老】【年】【人】【保】【险】【产】【品】【开】【发】【、】【设】【计】【、】【销】【售】【、】【管】【理】【经】【验】【的】【保】【险】【机】【构】【等】【。】