中銀保監決定開展人壽保險與長期護理保險責任轉換業務試點
據《上海證券報》獲悉,中國銀保監會人身險部今日(25日)向各人身險公司下發《關於開展人壽保險與長期護理保險責任轉換業務試點的通知》,決定開展人壽保險與長期護理保險責任轉換業務試點。試點期限暫定為兩年。
轉換業務是指通過科學合理的責任轉換方法,將人壽保險保單的死亡或生存給付責任轉換為護理支付責任,支持被保險人在因特定疾病或意外傷殘等原因進入護理狀態時提前獲得保險金賠付。
該通知提出多項試點要求包括:將特定疾病和意外傷殘作為護理狀態判定條件;選定個人普通型人壽保險開展試點等。
中銀保監表示,利用人壽保險的存量準備金開展轉換業務,不僅可以滿足人民群眾多元化的長期護理保障需求,也是有效增加商業長期護理保險供給的路徑。
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