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长期护理保险
今天,你必须认真考虑!
详细解读即将购买机会的最后一款限供型
长期护理保险产品
这是保险从业人员对社会的责任,
这是每个对自己人生尊严的责任,
这也是每个人对家庭的责任。
为什么长期护理保险非常重要?
1 in 2
加拿大人
将在他们65岁退休之后的某个时段丧失自理能力
300万
加拿大人
生活在中风的折磨中
14.9%
加拿大人
65岁之后,过着认知障碍和阿尔茨海默病或者其他痴呆症生活
21万7到34万1
每年
2016年,阿尔茨海默氏症协会统计阿尔兹海默症临终护理费介于21万7到34万1
加拿大长期护理的花费有多大?
安省
卑诗省
服务项目
小时价格
小时价格
做饭
$10.00-$44.95
$18.00-$38.25
个人护理(洗澡/穿衣
$16.00-$45.00
$18.00-$45.00
护工
$30.00-$100.00
$37.50-$75.00
24小时 居家护理
$16.00-$36.00
$25.50-$45.00
年平均花费
10万/年
11万/年
提供长期护理保险的保险公司
2012年
停售此保险
2017年
停售此保险
2018年
停售此保险
2021年6月14日
将停售此保险
谁应该买?
买给自己
保的是自己的尊严
子女给父母买
上有老下有小,免得成为三明治夹层。给父母投保 LTCI 加ROPD, 存一部分钱孝敬父母,没事,钱还是自己的
为人父母,买给自己
不给子女添麻烦,与其留钱给子女,不如买了LTCI 加 ROPD, 没事百年后钱还是他们的
如果没有理赔,保费将全额返还!
不同年纪的保费参考
30岁 女性
每周赔付: $1000
理赔期限: 无限
等待期: 180 天
全额退还保费(已选)
$88.81 / Month
40岁 男性
每周赔付: $1000
理赔期限: 无限
等待期: 180 天
全额退还保费(已选)
$131.6 / Month
50岁 女性
每周赔付: $1000
理赔期限: 无限
等待期: 180 天
全额退还保费(已选)
$366.87 / Month
60岁 男性
每周赔付: $1000
理赔期限: 无限
等待期: 180 天
全额退还保费(已选)
$821.43 / Month
顾客感言
“我很庆幸我买了这份保险”
我12年前就买了长期护理保险。我是经历过家人重病不能自理,请了8年护理直到过世,大概花费80多万。幸好她当时有购买长期护理保险,大概花费5万多就开始理赔,用理赔来支付护工费用。我不能说她幸运,但是如果没有买这份保险,那对于我们大家庭来说都是一个重大的打击,所以我在我收入能承受保费的时候就果断购买了。当然我希望这一辈子都不要用上,去世的时候直接保费返回给子女。但是如果真有用上的一天,那我很庆幸我买了这份保险。
女性,48岁,老师
“没什么犹豫就买了”
由于职业关系,经常面临压力和超负荷工作,我非常重视保险,基本能买的保险我都会买,既是投资也是存钱,还可以有免税的保障。长期护理保险,我是在Covid-19刚开始的时候,大量老人院老人的恶劣生活环境的新闻报道中得知这个险种的,于是我向我的保险经纪了解了保险细节。我非常认可长期护理保险,正好市场上有sunlife这款,当然没什么犹豫就买了。
男性,33岁,地产律师
“保额免税返还其实相当于存钱”
我是3年前买人寿保险的时候,一起申请了长期护理保险,费用和我一年支付的汽车保险差不多,保额免税返还其实相当于存钱,如果重病不能自理需要支付高额护理费,购买这款保险还能把风险转嫁给保险公司。对于我来说,我觉得性价比挺高,即使也许我能够支付护理费用,我也觉得应该购买。
男性,55岁,超市业主
“现在是最后购买机会”
听说Sunlife 6月中旬要退出长期护理保险的市场了,现在是最后购买机会,于是我下决心购买了这款保险。其实我一直有想法购买,30岁的时候我就咨询过,很后悔当时没有申请,如果30岁买价格便宜不少。但是晚买总比没有买上好,这份保险解决了我的后顾之忧,作为中产,没有收入就难以支付各种开支,而长期看护保险相当于是在不能自理的时候,一份工资替代品,是一份保障,我觉得是我必须购买的保险。
女性, 40岁,银行职员
常见問題
可以多次理赔
Key Personals
CEO, THE LEA GROUP
Pinaki Roychowdhury, M.Tech
Pinaki Roychowdhury, M.Tech. Pinaki Roychowdhury joined the LEA Group in 1994 as a Senior Highway Engineer and rose within the organization to become Director of The LEA Group in 2004 and Managing Director of LEA Associates South Asia (an operating company of LEA Group) in 2006.
Pinaki has a vast amount of experience in large infrastructure projects in the Transportation Sector from Conceptualizing to Execution, namely preparing Feasibility Studies, Detailed Engineering Design, Construction Management, Project Management and Contract Management across several countries including India, Ethiopia, Tanzania, Uganda, Kenya, Mozambique, Botswana, Bangladesh, Sri Lanka and Mauritius. Besides executing large highway and expressway projects funded by multilateral and bilateral funding agencies successfully, Pinaki executed a number of projects under various PPP formats with Concessionaires from both developed and developing countries, including the U.K., Spain, Dubai, Malaysia, India and Bangladesh.
CEO, THE LEA GROUP
Terry Wallace, P.Eng.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
CEO, THE LEA GROUP
Ronald Chiu, CPA, CA, MBA
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
CEO, THE LEA GROUP
Leo Rojas, P.Eng
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged. It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.