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前段时间,福州的王先生想给71岁的老母亲买份保险,不料却处处碰壁,几乎所有的中资保险公司都称没有开展与老年人相关的保险业务。王先生不禁感叹,面对着有这么大需求的市场,为什么没有保险公司去抢占呢?我国已经进入了老龄化社会,60岁以上的老人已接近1.4亿,也就是说,每10个中国人中就有一位老年人。老年人是一个最需要借助商业保险提供保障的群体,尤其像中国这样实行独生子女政策的国家,老年人的晚年保障将会是一个重大的社会问题。据了解,目前全国老年险种几乎为零,绝大多数险种的参保年龄控制在60岁至65岁,虽然国内某保险公司也曾推出了《医疗住院补贴险》,首次将参保年龄放宽到70岁,但由于种种原因影响并不大。其次,“老年险”这块处女地蕴藏着大商机,据了解,国外的老年险种发展得十分红火。德国的200多万投保者中有近
Some time ago, Mr. Wang, Fuzhou, wanted to buy insurance for a 71-year-old mother. Unexpectedly, he ran into trouble. Almost all Chinese insurance companies said they did not carry out any insurance business related to the elderly. Mr. Wang can not help but sigh, in the face of such a huge demand market, why there is no insurance company to seize it? China has entered an aging society, the elderly over the age of 60 has nearly 140 million, that is to say, every 10 Chinese There is an elderly. The elderly are the most needed group to provide protection through commercial insurance. In particular, countries such as China, which adopt the one-child policy, will have an aging social security problem. It is understood that at present the national elderly insurance is almost zero, the vast majority of insurance coverage of the age of 60 to 65 years old, although a domestic insurance company has also introduced a “medical hospitalization subsidy insurance” for the first time to relax the insured age to 70 years old, but for a variety of reasons the impact is not large. Secondly, “old age insurance ” This virgin territory contains large business opportunities, it is understood that the development of foreign old age insurance is very prosperous. More than 2 million people in Germany have insured