By May of 20 15, the number of tens of millions of high-net-worth individuals in Chinese mainland has reached 12 10000, with a year-on-year increase of 1 1%, the highest in history. 1 100 million high-net-worth population of 78,000 people, a year-on-year increase of 16%. The number of high net worth individuals in Hongkong and Taiwan Province Province is198,000 and167,000 respectively, and the number of high net worth individuals is 1. 1.000 and 9,000 respectively. Based on this huge population base, the future high-end life insurance, pension and medical industry will usher in a period of rapid development.
According to the survey, the average age of the people with assets of 10 million yuan in Chinese mainland is 40 years old, the people with assets of 100 million yuan are 44 years old, and the ratio of male to female among the people with high net worth is 6:4. The total assets of high-net-worth individuals reached 60.5 trillion yuan, with an average annual disposable income of 2.55 million yuan and an average annual disposable income of 3 trillion yuan. The main investment and financial management methods of high net worth people are deposit and real estate investment, and 98% of high net worth people use these two methods for investment and financial management; Secondly, more than 70% choose insurance and financial investment products; 3 1% will invest in art, and 20% will choose VC/PE.
Outside of work, high net worth people are most interested in financial investment. The recommendation of friends or relatives is the most important channel for high-net-worth people to obtain investment and financial information.
High-net-worth people buy insurance more for protection purposes.
90% of the high-net-worth people, that is, 6,543,800+0,900, have commercial life insurance, with an annual premium of 37,000 yuan per capita, and the annual premium scale reaches 40 billion yuan, accounting for 4% of the total life insurance in China. 1 100 million yuan The average annual premium paid by high net worth individuals is close to 654.38 million yuan+.
Among the high-net-worth people with commercial life insurance, 90% have medical insurance, 82% have endowment insurance and 73% have accident insurance. It can be seen that high-net-worth people buy insurance more for protection purposes than investment means. This group agrees with the importance of life insurance, with an average score of 7.9 (10). The higher the asset level, the higher the emphasis on life insurance.
The survey shows that the recommendation of relatives and friends is an important factor for high net worth people to consider when purchasing life insurance, and it is also the main channel and the most trusted channel for them to obtain life insurance information. The older you get, the stronger your trust and dependence on this channel will be. Secondly, the important channels are insurance companies, including official website and sales staff.
The value-added services that high-net-worth life insurance users most want from insurance companies are health check-ups and exercise and fitness. This demand is very similar to the expert opinion in qualitative interview. Experts believe that life insurance companies should strengthen their services and increase their intervention before going out of danger, rather than making claims after going out of danger, especially health insurance. Therefore, it is particularly important to improve health value-added services.
More than 70% of high-net-worth people are interested in middle and high-end pension communities.
High-net-worth people in China have a high degree of interest in middle and high-end pension communities, with more than 70% expressing interest and 45% having the possibility of staying. It is worth mentioning that men are more interested than women; The younger you are, the more interested you are in the middle and high-end pension community.
The survey found that professional medical care (including medical facilities and nursing staff) is the main reason for attracting tens of millions of high-net-worth people in middle and high-end pension communities, and it is also the key to determine the success or failure of middle and high-end pension communities; Followed by diet management, regular physical examination, recreational activities, natural environment and fitness facilities, the proportion of more than 50%. The concerns of 100 million high net worth individuals are somewhat different. What they value most is the natural environment, followed by professional medical and nursing staff, diet management, medical facilities and post-illness care. It can be seen that 1 100 million high-net-worth people pay more attention to factors more related to their own medical care when choosing middle and high-end communities.
The report also has some interesting findings about the concept of old-age care for high-net-worth people. For example, high-net-worth people prefer friends to children in the choice of providing for the aged, and the situation of traditional it running in the family is expected to change soon. The ideal place for the aged is no longer a bustling city center, but a suburban house close to nature and a residential area with perfect living facilities. Compared with their parents, high-net-worth people are more eager to enrich their old-age life through tourism and rich entertainment activities, with higher requirements for the quality of old-age life and richer levels of spiritual pursuit. Living with children and grandchildren and enjoying family happiness are no longer the main factors considered by high net worth people.
High-net-worth people also have various sources of pension expenditure, 90% of which mainly come from personal savings/investment balance, and personal property, pension and commercial pension insurance also account for more than 60% each. On average, 2.7 high-net-worth families buy commercial endowment insurance, with an average annual total premium of 654.38+0.5 million yuan. For the value-added services of commercial endowment insurance, high-net-worth people generally want to join high-end medical services, including high-end physical examination, health management, and dietary matching.
The demand for private hospitals and doctors is growing rapidly.
Although public hospitals are still the first choice for high-net-worth people to seek medical treatment, especially public tertiary hospitals, the survey found that in the next three years, private hospitals will become the most likely medical institutions for high-net-worth people in China, with 54% choosing Chinese-funded private hospitals and 48% choosing foreign-funded private hospitals.
At present, private doctors are not popular. Only 5% of high-net-worth people use private doctors, and only 8% of high-net-worth people with 1 100 million yuan. However, 40% of respondents choose to try this service in the next three years, especially in first-tier cities. It's 44%. It is worth noting that the overall satisfaction of private doctors after use is as high as 80%, and more than half of them are very satisfied. This result reflects the high demand of high-net-worth people for comprehensiveness, pertinence and privacy of medical services.
The survey also shows that the factors that high net worth people pay attention to when seeking medical treatment are the advanced level of medical facilities, the fields that hospitals are good at, the qualifications and experience of doctors and the reputation of hospitals, followed by the level of hospitals, the overall service quality and the geographical location of hospitals. 1 100 million high net worth people pay more attention to the doctor's care.
The proportion of high net worth people buying health insurance is 80%. Cash flow guarantee of major diseases is the main purpose of purchasing health insurance, accounting for more than 70%. Nearly 60% enjoy a better medical environment, followed by obtaining more advanced medical equipment for diagnosis and ensuring a better hospitalization environment. The survey also found that nearly 60% of high-net-worth health insurance users bought health insurance through the recommendation of insurance company salesmen, while more than 50% of high-net-worth people with 1 100 million yuan had strong health care awareness.