With the help of the Internet, China Ping An has set up a "Ping An Good Doctor" mobile medical platform to provide family doctors, consumer medical care and other services. By the end of 20 17, Dr. Ping An's artificial intelligence assisted 888 medical staff in his own medical team, with an average daily online consultation of 370,000 times.
With China entering an aging society, various capitals are competing for the health market for the elderly. Insurance funds have a long cycle, large scale and strong stability, which is naturally compatible with the old-age health industry. All along, the insurance industry has a strong willingness to invest in the old-age health industry.
On the other hand, the continuous introduction of various policies related to the aged health service industry is the key to promoting large-scale investment of insurance funds in related fields.
20 15,10 June, the National Development and Reform Commission and the China Insurance Regulatory Commission jointly issued the Guiding Opinions on Issues Related to Insurance Industry Supporting Major Projects, proposing to give full play to the unique advantages of long-term investment of insurance funds and insurance industry risk protection, and support people's livelihood projects and major projects such as pension, medical care and health.
The Guiding Opinions of China Insurance Regulatory Commission on the Insurance Industry Supporting the Development of the Real Economy issued in May 20 17 further clarified that "insurance funds should be supported to participate in the investment in medical care, pension and health industries, and insurance funds should be supported to establish pension communities through investment in new buildings, equity participation and mergers and acquisitions. Thereby increasing the supply of social pension resources and promoting the simultaneous development of the insurance industry and the pension industry. "
"At present, the insurance industry has become an important force in investing in pension and health industries." Yuan said that by the end of 20 17, eight domestic insurance institutions had invested in 30 community pension projects in 18 provinces, covering an area of 1 1.5 million square meters, with an actual investment of 29.9 billion yuan and 43,435 beds. A number of old-age community projects have entered the operational stage.
In addition to directly investing in the construction of the old-age community, many institutions have also set foot in the old-age industry through equity funds and acquisitions.
The CIRC will further study the specific policies to support insurance funds to invest in old-age health services, and support insurance institutions to formulate their own investment models for old-age health services according to their main business development plans and investment scales;
Support insurance institutions to strengthen cooperation with professional medical institutions and pension operation institutions, initiate the establishment of pension service enterprises and health management institutions through equity, build a new service model based on the pension community, connecting pension, medical care, rehabilitation, hospice care and other services, and constantly explore and improve the investment model, operation model and profit model of commercial pension industry suitable for China's national conditions.
Extended data:
With a total investment of 654.38+0.7 billion yuan and a total area of 654.38+0.5 million square meters, China Ping 'an Comprehensive Health Care Service Community landed in Tongxiang, Zhejiang. The project is divided into two parts: the south (Gao Qiao) and the north (Wuzhen). Gao Qiao section covers a total area of about 2,800 mu, with a planned construction area of about 800,000 square meters, adjacent to Gao Qiao, high-speed railway station. Wuzhen Plate covers a total area of about 1.200 mu, with a construction area of about 600,000 square meters.
According to the person in charge of China Ping An's real estate company, Tongxiang is the earliest place to invest in the pension industry in the Yangtze River Delta. In addition to radiating the Yangtze River Delta region, Ping An plans to lay out pension industries in the Bohai Rim, Pearl River Delta, Southwest China and Hainan Island in the future, forming scale and chain effect.
In the profit model, Ping An's choice is "lease+sale". By integrating the upstream and downstream industrial chains such as commerce, tourism, vacation, medical care and training, we will build a comprehensive platform for all-age, one-stop health care industry.
According to industry insiders, the desire of insurance companies to invest in pension real estate is getting stronger and stronger: breaking the current situation of high concentration of life insurance products; Seeking new investment products; Seek long-term stable cash flow return investment opportunities to meet the real insurance needs of customers. Although there are broad prospects for insurance companies to invest in the pension industry, there are still some institutional obstacles for insurance funds to enter the pension real estate development.
According to the Notice of the China Insurance Regulatory Commission on Issues Related to Insurance Funds Investing in Equity and Real Estate (draft for comment), insurance companies should clearly locate and check the asset boundaries when investing in pension real estate projects, and may not develop and construct investment projects on their own; Shall not be sold in the form of splitting the property rights of pension projects; Shall not use the property rights of the sale of pension projects to obtain sales income; Insurance funds shall not be used for other purposes.
However, Ping An Tongxiang's "Comprehensive Health Care Community" project is funded by the Group's own funds, and there are no obstacles in policy. At the same time, the person in charge of Ping An Real Estate Company also said that in the future, it will consider attracting funds from all parties to participate in the development of related projects. The industry believes that pension real estate projects have a positive effect on promoting local positive transformation and upgrading. With the landing of some pension projects, its driving effect will gradually emerge.
Xinhuanet-"Insurance Department" nursing home, is it difficult to enter?