商业养老保险

commercial endowment insurance

　　We should focus on optimizing supply and providing high-quality personal-insurance products, to meet people's needs for health, old-age support and safety protection.

　　The development of commercial insurance shall be stepped up. Commercial medical insurance products that suit the needs and paying capacity of the elderly shall be developed.

　　Commercial endowment insurance, which serves as the third pillar of China's pension system, will be put under unified standards and regulations, and its development will be stepped up.

　　The protection function of commercial endowment insurance shall be intensified. Endowment insurance featuring convenient application, flexible payment and relatively stable earnings shall be supported, and pension annuity insurance products actively developed.

　　Suitable supplementary endowment insurance shall be developed to cater to the needs of people working in new industries and new business models, as well as of those in flexible employment, to ensure a more reliable guarantee for the future. The insurance sector is also encouraged to participate in a pilot insurance scheme for long-term care.

　　要适应群众对健康、养老、安全保障等需求，优化供给，提供丰富优质的人身保险产品。

　　要加快发展商业健康保险，促进开发适应广大老龄群体需要和支付能力的商业医疗保险产品。

　　要按照统一规范要求，将商业养老保险纳入养老保障第三支柱，加快建设。

　　要强化商业养老保险保障功能，支持开发投保简便、交费灵活、收益稳健的养老保险，积极发展年金化领取的保险产品。

　　针对新产业新业态从业人员和各种灵活就业人员需要，开发合适的补充养老保险产品。同时鼓励保险业参与长期护理保险试点。

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