Recently, "China Bank Insurance News" interviewed a number of insurance institutions that have operated pension communities, and found that the occupancy rate was "uneven". These pension institutions run by insurance companies have made some attempts in personnel training and improving residents' ability to pay.
The occupancy rate is "uneven" and the nursing area is "hard to find a bed"
"China Bank Insurance News" learned that the occupancy rate of the old-age community operated by insurance institutions is uneven, and the occupancy rate of some old-age communities is not up to expectations, and the operating cost is high, which has a weak effect on promoting insurance sales. At the same time, the occupancy rate of dynamic community is not high, and it is hard to find a bed in nursing area.
The improvement of occupancy rate is a "slow-heating" process.
It is generally believed in the industry that the pension community with heavy assets can meet the requirements of long-term investment income of insurance funds when it reaches a certain occupancy rate. TF Securities once mentioned in the research report that, according to international experience, if the occupancy rate of an old-age community can reach 65%-70%, the operating profit and loss can be balanced.
By the end of the first half of 20021,the occupancy rate of some heavy assets pension communities has reached this standard. According to incomplete statistics, the occupancy rate of the first phase of Taikang House Yanyuan, which opened on 20 15, the first phase of Taikang House Shenyuan, which opened on 20 16, was 95%, and the exclusive apartment of Xinhua Home Beijing Lianhuachi, which opened on 20 17, was 70%.
However, there are also some cases where the occupancy rate is lower than expected. "Newly opened pension communities generally have a period of low occupancy rate, which will rise after a period. There are not many insurance companies that can make profits from the pension operation, and they are still in the climbing period, especially the increase of the occupancy rate of pension institutions, which is a slow process. Once the old-age community is full, it will be full for a long time, the occupancy rate will rarely fluctuate greatly, and the profitability will be relatively stable. " The person in charge of everyone insurance said.
It is generally believed in the industry that on the one hand, it may be necessary to improve the management and operation ability of institutions to improve the occupancy rate of the old-age community; On the other hand, it takes time to promote brands and expand their influence through word-of-mouth mechanism.
The nursing community is just needed.
In fact, the occupancy rate of some old-age communities is not satisfactory at present. One of the reasons is that the occupancy rate of dynamic community (that is, health of the elderly self-care area) is low, while the professional nursing area is often "hard to find a bed".
"Choosing here, what I value most is the secondary rehabilitation hospital in the old-age community. When my husband and I are old, if someone is seriously ill, living here will not only get good medical care services, but also meet every day and spend more time together. " Ms. Zhang, who has purchased the residence qualification of Taikang Home Care Community, told China Bank Insurance.
According to the report of China Bank Insurance, the old-age community operated by insurance institutions can be subdivided into three categories: the first category is dynamic community+sanatorium; The second category is power community+nursing community+infirmary; The third category is power community+nursing community+rehabilitation hospital. Among them, the third category has higher occupancy rate and demand.
The current operating performance of insurance institutions also confirms this point. According to the relevant person in charge of Xinhua Life Insurance, the company has put two pension communities into operation. There is a second-class rehabilitation hospital downstairs in the exclusive apartment of Xinhua Home Lotus Pond, while Hainan Boao Lexiang Community, Xinhua Home is a vibrant community for the aged. Due to the influence of internal customers of Xinhua Life Insurance and strong seasonality, the average annual occupancy rate is not very high. Comparatively speaking, the nursing community is just needed and the occupancy rate is higher.
"We believe that it is very necessary to equip the old-age community with a certain level of medical resources. When investing in the construction of the old-age community in the future, Xinhua Life will fully consider the medical and health management needs of customers and make reasonable medical and health support according to the project type and surrounding medical resources. " The relevant person in charge of Xinhua Life Insurance said.
The relevant person in charge of He Zhong Life also said that the company took the lead in building a community for the aged on 20 10. Up to now, three old-age communities have been invested and formally operated, among which Wuhan old-age community and Shenyang old-age community belong to the second category, and Nanning old-age community belongs to the first category. The professional nursing profession has been running at full capacity.
Wang Guojun, a professor at university of international business and economics Institute of Insurance, believes that the occupancy rate of dynamic community is not high, and it is common that "one bed is hard to find" in nursing community, so insurance institutions are also adjusting their service structure to meet the market demand. Judging from the current situation, there will be a bright future in the old-age community with the combination of medical care and nursing care, and this trend will become more and more obvious in the future.
Geriatric nursing: retaining talents is the key
An elder who visited a number of old-age care communities and finally decided to stay in Guoshou Jiayuan said with emotion: "The environment here is good and the community staff are very professional. Looking at a group of young people around me, I feel younger. "
It is understood that while accelerating the layout of the old-age care community, insurance companies are increasingly aware of the pressure of the lack of old-age care professionals, and have put the training of old-age care professionals on the agenda, especially the training of young nurses, in order to gain an advantage in the future healthy old-age care industry competition.
A huge gap
China has entered a new period of accelerated aging.
A few days ago, the relevant person in charge of National Health Commission said in an interview that elderly care, community care, home care and hospice care have always been shortcomings and weaknesses in the field of nursing in China. At present, among the 264 million elderly people in China, there are about 40 million disabled and semi-disabled elderly people, and the demand for aged care workers is as high as 6 million. However, there are only more than 500,000 service personnel engaged in providing for the aged in China, which is far from meeting the demand.
In addition, the elderly nursing staff is not set up as a professional occupation at present, and the overall cultural level of employees is low, lacking professional certification and professional vocational training, which can not meet the multi-level nursing service needs of the masses.
According to the investigation and analysis of a research group in the Social Welfare Center of the Ministry of Civil Affairs, the professional nursing staff in the national pension institutions only account for 12.25438+0%. The education level of nursing staff is concentrated in junior high school and technical secondary school, with low education level and insufficient training, and the overall cultural quality of nursing staff is low.
Judging from the actual situation, at present, China's pension service talents are mainly 40 years old and 50 years old. In Beijing, the main source of nursing staff in many old-age care institutions is migrant workers, and the employment forms are mainly temporary workers and contract workers.
Train professionals for a certain area or work unit.
In view of the serious shortage of talents in the old-age service industry, the old-age community operated by insurance institutions not only employs backbone talents, but also adopts the way of cultivating talents by themselves to build a talent echelon.
"We started to reserve old-age nursing talents six years in advance." The relevant person in charge of China Life Jiayuan told China Bank Insurance News that China Life began to lay out the core urban pension industry in 20 13, and started the pension talent reserve training plan with the Insurance Vocational College in 20 15, and * * * established the order class of pension health service and management. From 20 18, the graduates of the order class began to work in the China Life Pension Community. At present, more than 200 graduates and interns in the order class are distributed in various pension communities of China Life.
In addition, on the basis of cooperating with the Insurance Vocational College in the order class of aged care service, China Life Jiayuan Le Jing signed a strategic cooperation agreement with the first nursing college of Tianjin University of Traditional Chinese Medicine and the second medical college of Tianjin Medical College, which set up a national training base for skilled nursing talents, to train professionals.
Other companies have taken a similar approach. According to Taikang Insurance Group, the company has formed cooperative relations with dozens of colleges and vocational schools across the country, and signed targeted talent training agreements with these institutions to support the development of Taikang's pension business.
"Because the positioning, service content and requirements of each pension community are different, it is necessary to conduct specific training and management according to the operation and service standards of the community." According to the relevant person in charge of Xinhua Life Insurance, 30% of the company's nursing staff are college graduates or students who are about to graduate.
Retain talents
Even if the graduates majoring in geriatric nursing work in old-age care institutions, the job loss rate is high. According to statistics, from the perspective of the development of vocational education for the elderly in China, the student turnover rate may reach 30% in the first year, 50% in the second year and 70% in the third year.
How to "customize" young nursing staff for the old-age community and how to keep them is a necessary problem for insurance institutions to operate the old-age community.
The relevant person in charge of the above-mentioned China Life Jiayuan believes that salary and benefits, assessment and evaluation are necessary conditions. Based on this concept, they provide a career development channel for nurses from junior nurses to senior nurses to management positions. With the continuous promotion of ranks, their income will increase accordingly. In addition, with the continuous accumulation of work experience, you can also choose to work in China Life Group and its subsidiaries according to your career plan.
He Zhong Life Insurance said that in order to mobilize the enthusiasm and initiative of young nursing staff, the company has specially set up an "evaluation system for nurse practicing star employees (1 level, level 5)", which is assessed every year and linked to salary; At the same time, in terms of salary, for young employees, age subsidies are given in wages, thus attracting and motivating young nursing staff.
Through the star rating of nurses, grass-roots nurses can be promoted to nursing team leader, nursing supervisor and nursing manager, and a clear career promotion system has been established. At the same time, the company has established a perfect professional quality training system, set up professional courses for aged care, and regularly communicate, train, train nursing norms, rehabilitation training, psychological counseling and other skills through online and offline mode to comprehensively improve the comprehensive ability of nursing staff.
"Young nurses in Taikang Home have two internal channels, professional channels and management channels, and the two channels develop." According to the relevant person in charge of Taikang Insurance Group, after professional training, their work content is not only life care, but also entertainment activities, sports rehabilitation, nutrition management and health education. They are professionals with professional skills, respect and career prospects.
How to cross the threshold of payment and take long-term insurance to help?
At present, the vast majority of pension communities invested by insurance institutions belong to high-end product lines, and only when they are combined with specific insurance products can they qualify for access, and the "threshold" for access is basically more than one million yuan. In addition, you also need to bear certain check-in expenses, including room expenses, meals, nursing expenses, medical expenses, etc. Generally, the monthly fee of dynamic community reaches 10,000 yuan, and the fee of nursing area should be increased according to the service items.
How to improve residents' ability to pay? Insurance institutions are actively exploring.
The survival fund and bonus generated by annuity insurance can be used to pay part of the expenses needed for living in the old-age community after retirement. In 20 12, Taikang launched the first comprehensive pension plan combining virtual insurance products with medical entities in China. Taikang once said that customers can choose to pay insurance benefits directly to the monthly fee or nursing fee of the old-age community to solve the service payment problem of the old-age community after staying in the old-age community of Taikang Home.
It is generally believed in the industry that part of the expenses and services of the old-age community can be connected through long-term care insurance, medical insurance and critical illness insurance. In addition, whether supporting hospitals can intervene in medical insurance payment is also an important factor affecting the occupancy rate.
From 20 16, China launched a pilot project of long-term care insurance system. According to the data of the National Medical Insurance Bureau, up to now, the number of participants in 49 pilot cities of long-term care insurance in China has reached 65.438+34 billion, and the cumulative number of people enjoying treatment has reached 6.5438+0.52 million.
"China Life jiayuan Le Jing Branch is a pilot institution for long-term care insurance. If the insured elderly meet the relevant disability standards, they can receive a monthly fee, but this fee is far from enough to pay for the expenses here. " According to the relevant person in charge of China Life Insurance, at present, commercial nursing insurance has not been connected with the old-age community.
In fact, the development of commercial nursing insurance in China has been slow. Insurance institute of china and China Academy of Social Sciences jointly issued "20 18-20 19 China Long-term Nursing Survey Report", which showed that 66% of the adults interviewed were too optimistic about their own disability risk and underestimated their future nursing needs. The purchase rate of long-term care insurance directly related to disability risk is the lowest among all kinds of commercial life insurance.
It is generally believed in the industry that the development of commercial nursing insurance depends on the perfection of long-term nursing insurance system and the unification of nursing service norms and quality evaluation standards. Therefore, in the long run, to improve the payment ability of living in the old-age community, it is necessary to speed up the implementation of the long-term care insurance system, encourage the development of commercial care insurance, and give certain tax incentives to insurance companies to carry out commercial care insurance, so as to incite the demand lever of commercial care insurance.
At the same time, at present, the government has gradually relaxed the medical insurance qualification conditions of private hospitals, and the old-age care institutions have fewer restrictions on hospitals. Therefore, hospitals that support the old-age community are also actively applying for medical insurance.
"Of the seven supporting hospitals for the aged that have been opened, six are designated hospitals for medical insurance, and Daqinggu Hospital, which just opened in July, is also actively applying." The relevant person in charge of Taikang Insurance introduced.
According to the relevant person in charge of Xinhua Life Insurance, the new Beijing Lianhuachi exclusive apartment is equipped with Beijing Xinhua Excellence Rehabilitation Hospital, which is a secondary rehabilitation hospital and is currently applying to become a designated medical insurance.