基于变革理论的减轻退休风险的综合退休保险解决方案（CRIS）提案

IF 16.4 1区化学 Q1 CHEMISTRY, MULTIDISCIPLINARY

Accounts of Chemical Research Pub Date : 2024-07-04 DOI:10.18559/ebr.2024.2.1008

Krzysztof Łyskawa, Kamila Bielawska

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引用次数: 0

摘要

本文旨在提出一种新的综合退休保险解决方案（CRIS），通过提供适当的模块，可以灵活地满足客户在积累资金和权利以及退休期间的需求。从技术上讲，该产品以人寿保险为基础，包括疾病和丧失工作能力保险、长期护理保险（LTC）、工作启动费用保险、住院保险、通廷保险和卢森堡保险。由于消费者的期望和需求不断变化，该解决方案的技术层面以三层保险产品为基础，其中个别保护部分由若干额外福利（援助类型）进行补充，以提高保险参与者的生活质量，并允许持续使用该产品。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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Proposal for a comprehensive retirement insurance solution (CRIS) to mitigate retirement risk based on theory of change

The aim of the paper is to propose a new comprehensive retirement insurance solution (CRIS) that, by offering appropriate modules, can be flexibly adapted to customers’ needs during the accumulation of funds and entitlements and during retirement. Technically, the product is life-insurance-based and includes insurance for sickness and incapacity, long-term care (LTC), work activation expenses, hospital stays, and tontine and Luxembourg policies. Due to consumers’ changing expectations and needs, the technical dimension of this solution is based on a three-layer insurance product in which individual parts of the protection are supplemented by several additional benefits (types of assistance) that improve the quality of life of insurance participants and allow the ongoing use of the product.

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来源期刊

Accounts of Chemical Research 化学-化学综合

CiteScore

31.40

自引率

1.10%

发文量

312

审稿时长

2 months

期刊介绍： Accounts of Chemical Research presents short, concise and critical articles offering easy-to-read overviews of basic research and applications in all areas of chemistry and biochemistry. These short reviews focus on research from the author’s own laboratory and are designed to teach the reader about a research project. In addition, Accounts of Chemical Research publishes commentaries that give an informed opinion on a current research problem. Special Issues online are devoted to a single topic of unusual activity and significance. Accounts of Chemical Research replaces the traditional article abstract with an article "Conspectus." These entries synopsize the research affording the reader a closer look at the content and significance of an article. Through this provision of a more detailed description of the article contents, the Conspectus enhances the article's discoverability by search engines and the exposure for the research.