The "Le Kang Worry-Free" refundable hospitalization medical security plan has dual functions of insurance protection and premium refund. What is the cost performance of the return insurance of Shenyang individual endowment insurance? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
Generally speaking, individual endowment insurance is mainly the collective name of new rural insurance and urban residential insurance. It is a kind of life insurance for urban and rural residents.
The insured object of the new rural insurance is rural residents who have reached the age of 16 (excluding school students) and have rural household registration but have not participated in the basic old-age insurance for urban workers. The insured object of urban residential insurance is urban residents (excluding school students) who are unemployed and voluntarily insured at the age of 16.
Payment standard of individual endowment insurance in Shenyang
According to the relevant regulations, the financing methods of individual endowment insurance are individual contributions, government subsidies, village collective or street subsidies, social or individual donations, etc. And the government has established a personal account for endowment insurance for each insured person, including individual contributions, government subsidies, village collective or street subsidies, social or individual donations, etc. It's all in personal accounts. According to the regulations of Shenyang Municipal Government, the individual contribution grades of individual endowment insurance in Shenyang are divided into 100 yuan, 200 yuan, 300 yuan, 400 yuan, 500 yuan, 600 yuan, 700 yuan, 800 yuan, 900 yuan, 1000 yuan and other 10 grades, and each grade is freely selected by the insured. Government subsidies, village collective or street subsidies are different for each grade. The lowest level of government subsidies is 30 yuan. Every time individual contributions are raised, government subsidies will increase 5 yuan, and the maximum subsidy standard will not exceed 50 yuan; The subsidy standard is determined by the village collective or the street according to its own situation, and the maximum is not more than 50% of individual contributions. For residents with severe disabilities and other difficulties, the government pays all the minimum insurance premiums, and the insured can choose any insurance payment level.
Shenyang individual endowment insurance benefits
According to the relevant regulations, after the insured person has paid more than 15 and reached the age of 60, he can receive personal pension insurance on a monthly basis, which consists of personal account pension and basic pension.
Personal account pension is easy to understand, that is, the total amount of the insured person's personal account divided by the number of months of personal account pension. At present, the number of months of personal account pension is 139, and the result is the personal account pension part of personal pension.
The basic pension is a subsidy given by the government. The national regulations are 55 yuan per person per month, Shenyang regulations are 70 yuan per person per month for new rural insurance and 90 yuan per person per month for urban residential insurance, which will be adjusted with the level of urban and rural economic development and social consumption in the future.
The "Enjoy Health" critical illness insurance plan covers cancer in situ and 30 kinds of critical illness protection.