<section ><span >很多人会通过选购保险产品，来锁定养老社区入住权益。</span></section><section ><span >都期盼着老了之后能享受高品质生活环境的同时，还能兼顾高端医疗、护理等服务。<br /></span></section><section ><span >只是大多数人都没意识到，入住养老社区需要怎样的成本。</span></section><section ><span >尤其是当前市场上的一些头部高端养老社区，</span><span ></span><span >例如泰康之家、星堡、大家的家</span><span >等</span><span >。</span></section><section ><span >人嘛，该吃吃该花花，但具体花多少呢？</span><o:p></o:p></section><section ><span >今天，肥宝就来解个秘，让大家有个心理预期。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">一、</span></strong></span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">1、泰康之家</span></strong></span><o:p></o:p></section><section ><span >泰康的养老社区——泰康之家，在业界有口皆碑。</span><o:p></o:p></section><section ><span >采用重资产模式，即自建养老社区运营。</span><o:p></o:p></section><section ><span >这个模式对保险公司本身实力要求很高，泰康到目前为止已完成全国28城共32个项目布局，领跑行业。</span><o:p></o:p></section><section ><span >入住泰康之家，目前</span><span style="color: rgb(255, 104, 39)"><strong>总保费最低要达到100万</strong></span><span >。</span><o:p></o:p></section><section ><span >当然，这个入住条件并不固定，针对特定产品或许会有一定的波动。</span><o:p></o:p></section><section ><span >总保费不同时，所能享受的资格也不同，具体可看下图。</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do44HD25p08jQFAX2skSSf3axNKuToCYvQpvTWicdzMapv9AZf4S2W8a2g%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do44HD25p08jQFAX2skSSf3axNKuToCYvQpvTWicdzMapv9AZf4S2W8a2g/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p></o:p></section><section ><span >注意，这里只是获得入住资格。</span><o:p></o:p></section><section ><span >入住进去，还需额外收费。</span><o:p></o:p></section><section ><span >以北京的泰康之家·燕园为例。</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4OdtjBclTU9m5eBQRx9r4w1HUmF5HOGjHFG8sriasrArKVKdHcfYlVMA%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4OdtjBclTU9m5eBQRx9r4w1HUmF5HOGjHFG8sriasrArKVKdHcfYlVMA/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p></o:p></section><section ><span >入住时，需要先</span><span style="color: rgb(255, 104, 39)"><strong>缴纳医疗备用金及履约保证金共20万</strong></span><span >。</span><o:p></o:p></section><section ><span >根据入住户型的不同，一位老人不含餐的月费9800元起步，即最低一年<strong>11.8万元</strong>。</span><o:p></o:p></section><section ><span >按照每天100元的餐费预估，每月餐费3000元，一年<strong>3.6万元</strong>。</span></section><section ><span >再加上老人一些其他的消费支出，算5000的话，一年就是<strong>6</strong><strong>万元.</strong></span></section><section ><span >综合算下来，一年最少要</span><span style="color: rgb(255, 104, 39)"><strong>21.4万元<strong ><span style="color: rgb(255, 104, 39)">（不包含押金）</span></strong></strong></span><span >。</span><o:p></o:p></section><section ><span >这还是在老人无须护理的前提下。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">2、星堡</span></strong></span></section><section ><span >以星堡的北京香山长者公寓为例。</span><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4bnn4eQPktgWmucHgUicGArBQNaAr0PaHzcg2gDqwCYicjYibZGSb5icJGA%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4bnn4eQPktgWmucHgUicGArBQNaAr0PaHzcg2gDqwCYicjYibZGSb5icJGA/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p></o:p></section><section ><span >星堡的</span><span style="color: rgb(255, 104, 39)"><strong>最低准入门槛是150万总保费</strong></span><span >。</span><o:p></o:p></section><section ><span >想要入住，首先要缴纳</span><span style="color: rgb(255, 104, 39)"><strong>60-200万的押金</strong></span><span >。</span><o:p></o:p></section><section ><span >如果是一位可自理的老人，入住时缴纳<strong>60万押金</strong>，选择入住单人间。</span><o:p></o:p></section><section ><span >此时押金可每月减免1333元，选择最便宜的单人间，每月须实际支付13847元，一年<strong>16.7万元</strong>。</span><o:p></o:p></section><section ><span >再算上老人<span >每月5000元的</span>额外支出，一年<strong>6万元</strong>。</span><o:p></o:p></section><section ><span >这样算下来，就是一年至少支出</span><span style="color: rgb(255, 104, 39)"><strong>22.7万元<strong ><span style="color: rgb(255, 104, 39)">（不包含押金）</span></strong></strong></span><span >。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">3、大家的家</span></strong></span><o:p></o:p></section><section ><span >大家的家</span><span style="color: rgb(255, 104, 39)"><strong>入住门槛为总保费200万元</strong></span><span >，且是<strong>已交</strong>保费达200万才可入住。</span><o:p></o:p></section><section ><span >假如，我选购一款产品，总保费300万，分10年交，年交30万。</span></section><section ><span >当交了180万保费时，我就想入住养老社区，是不可以的。<br /></span></section><section ><span >以北京朝阳城心社区为例，看看入住后的花费。</span></section><section ><o:p></o:p></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkfic9hsGHwSIYE6Xss58ibJyLvRFeQ7EHic391Uaz5E8MDMwIo1ibvsVSIiacp3vHFclxFo91UCvPFp68Q%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkfic9hsGHwSIYE6Xss58ibJyLvRFeQ7EHic391Uaz5E8MDMwIo1ibvsVSIiacp3vHFclxFo91UCvPFp68Q/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section ><o:p></o:p></section><section ><span >入住时需首先缴纳</span><span style="color: rgb(255, 104, 39)"><strong>5万元/人的押金，以及2000元的一次性安置费</strong></span><span >。</span><o:p></o:p></section><section ><span >一位自理老人，入住B户型，按照最低16000元缴费，一年需<strong>19.2万元</strong>。</span><o:p></o:p></section><section ><span >每天的基础餐费为60元/人，一个月就是1800元，一年需<strong>2.2万元</strong>。</span><o:p></o:p></section><section ><span >再加上每个月5000元的额外支出的话，一年需<strong>6</strong><strong>万元</strong>。</span></section><section ><span >入住北京朝阳城心社区，一年至少准备</span><strong><span style="color: rgb(255, 104, 39)">27.4万元（不包含押金）</span></strong><span >。</span><o:p></o:p></section><section ><span >当然，大家的家算是高端社区中对配偶入住条件最优的社区。</span><o:p></o:p></section><section ><span >若是配偶同住一居室，只收配偶2500元。</span></section><section ><o:p></o:p></section><section ><strong><span >看完这3家养老社区，大家也不难发现：</span></strong></section><section ><strong><span >想要入住高端养老社区的花费是巨大的。</span></strong><span ></span><o:p></o:p></section><section ><span >甚至是我们买的保险产品，都不一定能覆盖掉这笔费用！</span><o:p></o:p></section><section ><span >以当前养老年金险第一梯队中的佼佼者——<strong>大家养老·</strong><strong>养多多x号</strong>为例。</span><o:p></o:p></section><section ><span >想入住大家的养老社区，首先就是200万保费的入住门槛，其次是每年27.4万的支出。</span><o:p></o:p></section><section ><strong><span >若40岁女，总保费</span></strong><span style="color: rgb(255, 104, 39)"><strong><span >200万</span></strong></span><strong><span >，60岁领取</span></strong><span >：</span><o:p></o:p></section><section ><span >趸交（一次性交清），养老金为22.4万元/年；</span><o:p></o:p></section><section ><span >5年交，年交40万，养老金为21.1万<span >元</span>/年；</span><o:p></o:p></section><section ><span >10年交，年交20万，养老金为19.5万<span >元</span>/年。</span><o:p></o:p></section><section ><span >很明显，按照最低200万的总保费来选购产品是无法覆盖入住消费的。</span><o:p></o:p></section><section ><span style="color: rgb(0, 0, 0)"><strong><span >若想覆盖27.4万的费用，需要趸交</span></strong></span><span style="color: rgb(255, 104, 39)"><strong><span >245万</span></strong></span><span style="color: rgb(0, 0, 0)"><strong><span style="color: rgb(0, 0, 0)">！</span></strong></span><o:p></o:p></section><section ><span >再加上入住时的押金以及安置费共</span><strong><span style="color: rgb(255, 104, 39)">5.2万元</span></strong><span >。</span></section><section ><span >也就是说至少要准备</span><strong><span style="color: rgb(255, 104, 39)">250万</span></strong><span >才能入住养老社区里面</span><strong><span style="color: rgb(255, 104, 39)">最便宜</span></strong><span >的房间。</span><o:p></o:p></section><section ><span >这还不包括在里面可能产生的其他费用。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">二、</span></strong></span></section><section ><span >由于老龄化的加剧，养老社区在未来的需求一定很大。</span><o:p></o:p></section><section ><span >中低端的养老社区应运而生，迎合了当前的市场环境。</span></section><section ><span >以光大永明人寿的汇晨养老为例。</span><span style="text-align: center"></span></section><section ><span ></span></section><section ><span >旅居需要总保费达</span><strong><span style="color: rgb(255, 104, 39)">30万</span></strong><span >，长居需要总保费达</span><strong><span style="color: rgb(255, 104, 39)">70万</span></strong><span >，想兼顾长居和旅居则需要总保费达</span><strong><span style="color: rgb(255, 104, 39)">100万</span></strong><span >。</span></section><section ><span >以<span >汇晨</span>苏州阳山老年公寓为例。</span></section><section ><span >自理老人入住50平方的标准间，单月总月费（包含水电餐）约4900元，一年</span><span style="color: rgb(255, 104, 39)"><strong>5.9万元</strong></span><span >。</span></section><section ><span >若40岁女性，</span><span >70万的总保费投入，60岁领取。</span></section><section ><span ><span >我们选择光大旗下第一梯队的光明x</span><span >选</span><span >养老年金险。</span></span></section><section ><span >趸交<span >（一次性交清），养老金为7.7万<span >元</span>/年；</span></span><span ></span></section><section ><span >5年交，年交14万，养老金为7.2万元/年；</span><o:p></o:p></section><section ><span >10年交，年交7万，养老金为6.7万元/年。</span></section><section ><strong><span style="color: rgb(255, 104, 39)">完美的覆盖了养老社区的费用。</span></strong></section><section ><span >当然，中低端养老社区在价格优势之外，</span><o:p></o:p></section><section ><span >整体服务、社区环境、生活安排等方面一定会有所妥协。</span><o:p></o:p></section><section ><span >比如泰康之家·北京燕园长这样：<br /></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4MbFdTFODGbOiala5b7TlbCAicESw7hxH4GIKeX0YIGOwCT5jKKv4c0icg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4MbFdTFODGbOiala5b7TlbCAicESw7hxH4GIKeX0YIGOwCT5jKKv4c0icg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do42sB9UicBB5RZ5Yke8NnibS1Kx7we38CRI9Rd9UrPJ93S4nPyfpFxibNYQ%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do42sB9UicBB5RZ5Yke8NnibS1Kx7we38CRI9Rd9UrPJ93S4nPyfpFxibNYQ/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span >光大</span><span >永明<span >汇晨</span><span >苏州阳山老年公寓长这样：</span></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4ibT5sNymZAxV3blGzELDCpjYuNsiaPpyF3agDp016tGbdApN316o0Qyg%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4ibT5sNymZAxV3blGzELDCpjYuNsiaPpyF3agDp016tGbdApN316o0Qyg/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2F1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4KftP3m6kaOWRGzqJ2xS0XRhvtic1BRGQUe7Wrw53LoAyaejAbbJTx2A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/1QPP1s0AFkdcmJcxjzib5fEIFH0kW6do4KftP3m6kaOWRGzqJ2xS0XRhvtic1BRGQUe7Wrw53LoAyaejAbbJTx2A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></section><section style="text-align: left"><span ><span ></span></span></section><section ><span >以上都是实拍图，对比之下，高低立判。</span></section><section ><span ></span></section><section ><span >真要说，那就是星级酒店与快捷酒店的区别。</span><br /></section><section ><span >毕竟价格摆在那，高端养老社区本就不是我们普通人所需要刻意追求的。</span></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">三、</span></strong></span></section><section ><span >高端养老社区的门槛或许我们能够一够。</span></section><section ><span >考虑到通胀因素，想住的舒服，生活自由，恐怕至少得准备500万才够。</span></section><section ><span ></span></section><section ><span >前期</span><span >上百万的投入，结果只是换来</span><span >入住好点的养老社区的一张门票。</span></section><section ><span >产品所带来的现金流却无法覆盖掉入住后的费用，自己还要再加钱</span><span >。</span></section><section ><span ><span >这样花掉养老金真是你的初衷吗？</span></span></section><section ><span ></span></section><section ><span >或许你想追寻</span><span >爱好，比如旅游或</span><span >摄影</span><span >；</span></section><section ><span >或许想调理下身体，需要吃点保健品；</span></section><section ><span >或许逢年过节、人情往来要包个红包。<br /></span></section><section ><span >这才是大部分普通人选养老年金的初心吧，</span><span >为了退休之后也有收入来源，能满足自己的生活及社交需求。</span></section><section ><span ></span></section><section ><span >因此，我一直强调，选购养老年金险时，“养老社区”只是一个参考项，并不是决定因素。</span><o:p></o:p></section><section ><span >养老年金的意义就是提供终身现金流，解决老年生活的资金问题。</span><o:p></o:p></section><section ><span >若入住高端养老社区反而还要再加大投入，到底值不值得，还得因人而异。</span><o:p></o:p></section><section ><br /></section><section label="Powered by 365editor" ><section label="Powered by 365editor" ><section style="text-align: center; color: rgb(163, 163, 163) !important"><span style="color: rgb(33, 89, 103)"></span></section><section ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTO1KmSN6nDROWblhVFxxYXzKuynrkK6HnMe0ichpzQyyQr6Wnic6m0udMzOsG4pr5G5uH1r2Rg0QmWg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section ></mp-common-profile></section></section></section><p ></mp-style-type></p>
