The age of longevity calls for the elderly to get better care.
At present, China is entering the age of longevity. The average life expectancy in China is over 77.3 years, and the average life expectancy of urban residents is over 80 years. According to the goal set in the "Healthy China 2030" Planning Outline, the average life expectancy will reach 79.0 years in 2030, and the average healthy life expectancy will be significantly improved.
The number of elderly people is also increasing day by day. Ministry of Human Resources and Social Security predicted that during the Tenth Five-Year Plan period, the elderly population in China will exceed 300 million, and China will enter the stage of moderate aging from mild aging.
There are more and more elderly people in China, and their life expectancy is getting longer and longer, but their health status is not optimistic. In 20 18 years, the average healthy life expectancy is only 68.7 years, and they have lived with illness for a long time. 1800,000 elderly people suffer from chronic diseases, and more than 40 million elderly people are disabled or partially disabled. The elderly have an urgent need for old-age care and health services.
Under the background of aging population, the problem of providing for the aged in China has become increasingly prominent. Therefore, the "Tenth Five-Year Plan" and the outline of the long-term goal in 2035 specifically point out that "the national strategy of actively responding to population aging should be implemented".
At present, China's per capita GDP has exceeded US$ 65.438+0 million, residents' income has increased, consumption level has improved, health protection awareness has become stronger and stronger, and the demand for old-age care and health has been escalating. How to realize the transition from "providing for the aged" to "providing for the aged" has become a topic facing the whole society.
The medical and health service industry has become a "fragrant cake"
The outbreak of the demand for the aged care of the "silver-haired" group has also promoted the continuous expansion of the aged care market. It is estimated that the market size of China's big health industry will reach 16 trillion yuan in 2030.
It is predicted by the industry that the next decade will be the outbreak period of golden decade, a healthy old-age care industry in China. Its huge market potential has also spawned more opportunities and attracted more and more participants in the old-age care service market, and the medical and healthy old-age care service industry has become a "beacon".
Among them, the insurance industry regards the health care service industry as a battleground for military strategists, and insurance companies are an important new force in the service supply of the health care service market. At present, China Taiping and other head insurance companies have invested heavily in the medical rehabilitation industry.
With the advantages of funds, channels and customers, insurance companies pay more attention to the platform gathering function, constantly expand the old-age services including medical care, nursing and rehabilitation, and generally try the integrated model of "insurance+service" to further open up and integrate the industrial chain through technology and medical empowerment.
Many insurance companies represented by China Taiping, on the one hand, increase the supply of old-age insurance products, promote old-age consumption and consolidate the "third pillar", on the other hand, increase the supply of old-age services, help the development of medical and healthy old-age care industry, and form a virtuous circle of financial products and service guarantee.
"Insurance+Pension" is promising
With the growth of the number of high-net-worth groups, the development prospects of high-end aged care services are promising. Moreover, insurance funds have the characteristics of long term and large scale, which is very in line with the needs of pension funds. "Insurance+Pension" has increasingly become the focus of insurance companies' business development.
In recent years, insurance institutions have continuously improved the layout of the whole industrial chain in the field of old-age care, opened up old-age care services and insurance protection, and enabled insurance and old-age care to empower each other. Large insurance companies strive to build high-end pension communities with heavy assets, provide pension services with light assets, and provide pension-related insurance products such as long-term care insurance and health care insurance.
Take China Taiping as an example. It is the only financial enterprise in China whose management headquarters are located overseas. Since the 20th anniversary of China's resumption of business, we have accelerated the construction of an insurance+pension service system. Heavy assets projects are mainly concentrated in key areas, and about five CCRC pension communities have been built.
In 20 19, Wu Tong Renjia, the first flagship community project for the aged in Taiping, China, was operated in Shanghai, which can provide all-round high-end intelligent life services for the aged such as housing, entertainment, health, old-age care and nursing for about 3,500 elderly people.
Subsequently, Taiping Town successively settled in Sanya and Chengdu. The projects of "Begonia Family" in Sanya and "Furong Family" in Chengdu are progressing smoothly. China Taiping is building an ecological circle of medical and healthy pension industry, which takes insurance as payment, platform as service, community as pension and hospital as treatment.
Looking forward to the high-quality development of aged care services
It is the wish of every old man to enjoy a carefree life and realize high-quality old-age care.
How to promote the high-quality development of old-age care services? The 14th Five-Year Plan and the outline of the long-term goal in 2035 propose to promote the coordinated development of the old-age care and the old-age care industry, improve the basic old-age care service system, vigorously develop inclusive old-age care services, support families to undertake the old-age care function, and build an old-age care service system that is coordinated with home community institutions and combined with medical care.
Industry insiders suggest that we should improve the standards of health care service system as soon as possible, guide professional service personnel to improve their level, and promote the high-quality development of health care service industry.
The insurance industry plays an indispensable role in building a high-quality old-age service system. At present, many insurance giants have also issued their own "14 th Five-Year Plan" and continue to seek the layout of high-quality old-age services.
Take China Taiping as an example. During the "14th Five-Year Plan" period, China Taiping will base itself on the new stage of development, implement the new development concept, build a new development pattern, implement the high-quality development strategy, firmly follow the development path of value growth, and adhere to the national strategy of "central enterprises' feelings, customers first, innovation leading and value leading".
In the future, China Taiping will speed up the investment layout of medical care, healthy old-age care and other industries, enhance the ability of insurance services, and take the initiative to assume social responsibilities, so as to make due contributions to continuously improve the quality of old-age care services and effectively meet the diversified and multi-level needs of customers for old-age care services.