养老不焦虑：泰康“长寿有约”让一份保单成为“人生备书”

Core Insights - The article emphasizes the increasing focus on "long-term certainty" in family asset allocation due to accelerated aging and upgraded quality of elderly care needs. The core product "Longevity Appointment" by Taikang has undergone multi-dimensional upgrades to provide a comprehensive support network for quality elderly care and health protection [1]. Group 1: Urban Version - In major cities like Beijing and Shanghai, the supply-demand imbalance for high-end elderly care communities is becoming more pronounced. To optimize resource allocation, the Taikang Longevity Appointment urban version (super-class) confirmation letter will be integrated into the standard version confirmation letter on April 9, 2025. Customers can currently choose a 240,000 standard insurance to secure admission rights before the age of 80 [2]. Group 2: Care Version - With the increase in average lifespan, the incidence of disability and dementia is rising significantly, while the shortage of professional care beds is expanding. Starting April 9, 2025, the threshold for the Taikang Longevity Appointment care version confirmation letter will increase from 100,000 to 120,000 standard insurance. During the current window period, customers can enjoy benefits such as guaranteed admission rights for care services with a 100,000 standard insurance policy [6]. Group 3: Educational and Family Planning - Rising educational expenses combined with increasing elderly care costs are prompting families to seek solutions that benefit multiple generations. The Taikang Longevity Appointment 520 youth version confirmation letter allows for group purchases starting from an annual payment of 50,000, with a focus on easing economic pressure and ensuring future security for three generations. The policy will be open for group purchases starting November 18, 2024, and survival benefits will support children's education planning while securing admission rights to high-end elderly care communities before the insured reaches 80 [9].