认同你的观点目前关于ELD SHIELD是保终生的，保费是交到65岁，不满意的地方是索赔条件3ADL太难。
以后改强制的让人不喜欢。
不过，这种保单本身还是挺实用的，尤其老年以后。【2ADL ,赔付终生版】
elder shield 40岁开始保费还便宜过30岁开始的care shield;
下面转自某英文论坛的：
"It was reported that Eldershield collected $3.3b of premium, but only paid out $133m, or just (133m/3300m=) 4% of total premium collected.
Although Careshield will give higher payout ($600 vs $400, or 50% more), and longer payment (by at most a few more years perhaps since people in such condition is not expected to live for too long anyway), I suppose the payout is unlikely to far surpass the current payout of $133m? Even if new payout is, let's say, trebled to $400m, it'll still constitute merely 10+% of $3.3b premium collected under Eldershield!
So my question is, if the objective is truly to help and not to profit, why the need to set the premium so high, higher than that set by private insurers (and despite having entry age 10 years younger)?“
这政策就是转移政府的负担给年轻人
有人指出“这就是那年轻人的钱贴补老年人，转移政府的负担给公众尤其是年轻一代”
"It was reported that Eldershield collected $3.3b of premium, but only paid out $133m, or just (133m/3300m=) 4% of total premium collected.
Although Careshield will give higher payout ($600 vs $400, or 50% more), and longer payment (by at most a few more years perhaps since people in such condition is not expected to live for too long anyway), I suppose the payout is unlikely to far surpass the current payout of $133m? Even if new payout is, let's say, trebled to $400m, it'll still constitute merely 10+% of $3.3b premium collected under Eldershield!
So my question is, if the objective is truly to help and not to profit, why the need to set the premium so high, higher than that set by private insurers (and despite having entry age 10 years younger)?“
这政策就是转移政府的负担给年轻人
有人指出“这就是那年轻人的钱贴补老年人，转移政府的负担给公众尤其是年轻一代”
Huasing Association 1999 - 2013