人生下半場 三大保險帳戶完善退休生活

高齡化、少子化、升息加通膨可能,退休在即,但高堂健在、小孩可能未完全經濟獨立的50歲半百族群,經濟壓力越來越沈重,南山人壽建議應即早、盡早準備三大保險帳戶,即退休、醫療與長照等三大人生必備保險帳戶,才能降低人生下半場的風險。

一是及早準備退休帳戶,備好經濟後盾。南山人壽表示,50歲熟齡族群通常收入穩定且已達黃金階段,但退休準備的時間亦相對有限,這階段應更注重資產配置及收益穩健,且要兼顧退休後現金流,而保險的特色就是穩健保值,運用保單做退休規劃、長期持有,可透過時間複利,有效累積資產,保戶可依自身準備時間的長短以及退休財務需求,分別選擇增額險、還本險或是年金險靈活搭配。

二是提早準備醫療帳戶,在緊急時刻有醫靠。為了避免退休後突發的急用醫療金需求,侵蝕原有的退休準備,南山人壽建議必須盡早規劃適當的保單,降低醫療保障不足的風險。先有基本醫療保障,再檢視家族是否有三高或家族病史,依照自身狀況,選擇重大疾病險或是終身防癌險等。亦可選擇具有健康促進獎勵機制的「外溢保單」,有保費折扣、保額增加或現金回饋的額外獎勵,可鼓勵自己落實或提升自身健康管理。

三是餘命延長,及早準備長期照顧金。由於高齡化、平均餘命延長,導致失智或失能人口大幅增加,加上少子化,靠子女照護的可能性降低;依衛福部推估2026年國內長照需求人口將突破百萬,國人對長照需求日益增加。南山人壽指出,長照平均約需準備八年的照顧金,但很多人仍未意識到此重要性,一旦需求出現卻沒有事先準備,恐成為家中經濟重擔。

南山人壽指出,現行商業長照險極多元,除有失智或長期照顧保險金一次給付、分期給付型式,也有含身故給付或純長照給付的類型,客戶可依需求投保。

長照一次保險金可用來改善如居家環境、輪椅等相關硬體設備,而分期保險金則可提供每月的長照預備金,用來解決人力照顧費用等。


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