[Xinhua Interpretation] Accelerate the development of the commercial insurance market to provide better guarantee for my country’s middle -aged and elderly groups

Xinhua Finance, Beijing, March 20 (Reporter Zhang Siwen) On the 19th, the China Insurance Industry Association and Swiss Reinsurance Revolution Research jointly released a report on “Research on Risk Guarantee of Middle and Elderly People in China” in Beijing.The “Report” pointed out that the risks faced at all stages of life are complex and dynamic. It is recommended to improve the construction of the middle -aged and elderly protection system in my country and accelerate the development of the commercial insurance market.

The industry believes that in the context of accelerating aging in my country and increasing the burden of family elderly care, existing insurance products and services are not enough to meet the needs of middle -aged and elderly groups in my country.In the future, insurance institutions should actively innovate, continue to increase the supply of personal insurance products exclusively for middle -aged and elderly people, focus on enhancing the service capabilities of middle -aged and elderly insurance products, deepen the integration of insurance and science and technology, enhance the value of insurance, and at the same time broaden the distribution channels, enhance the insurance business can be available for insurance business.Touching.

The insurance industry and the pension industry are highly consistent

With the continuous advancement of socialist construction with Chinese characteristics in the new era, the party and the country have paid more and more attention to the development of middle -aged and elderly groups.In January this year, the General Office of the State Council issued the “Opinions on the Development of Silver Hair Economy and Promoting the Welfare of the Elderly”, which clearly stated that the implementation of the national strategy of actively responding to the aging of the population, enriching the development of pension financial products, strengthening the development and health care of pension financial products, care for pension care, etc.Service connection.

Shang Jingguo, Secretary -General of the Insurance Association, believes that the insurance industry should actively respond to the national strategy, serve the overall situation of the development of silver -haired economy, find its own positioning, strengthen the supply capacity of personal insurance products, build the service network of middle -aged and elderly people, explore “insurance+pension” The road of continued to promote the development of the elderly and the development of the elderly in my country.

With the acceleration of the aging process in my country, how to make the elderly be raised, and the old medical treatment has become an important issue related to social stability and development.At present, the development of pension finance and pension services has risen to the height of the national strategy.In the background of aging, the social role of insurance companies is important and prominent.

In recent years, my country’s insurance companies have actively responded to the aging of the population, promoted the development of aging cause and pension industry, and supported the development of communities and home care services.According to Li Dou, CEO of Ping An Health Medical Technology Co., Ltd., Ping An Health Incubation and Sanded Pension Butler Services combined with industry experts and enterprises on the head, and jointly formulated the standardization and systematic process of the elderly at home services.

“The insurance industry is highly consistent with the pension industry.” Li Dou said that in 2021, Ping An and Health began to lay out the home pension track. Since exploring the home care service model, it has also achieved significant results.As of 2023, Ping An’s home care service has covered 54 cities across the country, and a total of nearly 100,000 people have obtained the qualifications of Ping Ankeke’s service.

The 2023 annual performance report released by Ping An Health shows that Ping An and Health have cultivated the two core hubs of “family doctors” and “old -age caretracks”.During the reporting period, the company’s annual support was 4.67 billion yuan. Among them, the revenue of medical and health care services of insurance and financial clients was 2.20 billion yuan, an increase of 14.8%year -on -year.

According to the relevant person in charge of the China Life Insurance Company, since 2021, the company has launched a special work of service to the aging, and vigorously promotes solving the difficulty of using intelligent use of the elderly, pays attention to the health of the elderly, and has a package of aging transformation.The service level has been comprehensively improved.As of the end of 2023, it has provided high -quality and aging services for over 70 million people.

Future product innovation can concentrate three directions

According to data from the Ministry of Civil Affairs, as of the end of 2023, the elderly over the age of 60 in my country reached 297.8 million, accounting for 21.1%of the total population; 15.4%.

According to the China Development Research Foundation and other agencies, by 2050, the elderly population of the age of 60 and over will be close to 500 million, accounting for one -third of the total population; semi -disable and disabled elderly will exceed 100 million; elderly raising will be raised;It will rise from 20%to 50%, which means that currently the average 5 young people will raise 1 elderly man. In the future, the average two young people will need to raise 1 elderly man.my country’s aging is facing the three characteristics of the huge population of the elderly, the rapid process of aging, and the heavy task of responding to the aging of the population.

The “Report” pointed out that in terms of the development of the insurance industry, the overall guarantee products of the middle -aged and elderly groups are currently limited in the market. It is recommended that insurance companies actively innovate and continue to increase the supply of personal insurance products exclusively for middle -aged and elderly people.In the future, product innovation can be concentrated in three major directions. First, insurance products that combine risk protection with savings demand, and the other is insurance products with aging service attributes, and the third is insurance products for specific risks or specific group needs.In addition, it is recommended to focus on strengthening the service capabilities of middle -aged and elderly insurance products, deepen the integration of insurance and technology, enhance the value of insurance, and at the same time broaden the distribution channels, and enhance the trigger of insurance business.

Deepen the development of insurance and science and technology

The “Report” shows that as of the end of 2022, in the guarantee of personal insurance products, the risk insurance of the insured at the age of 45 and above accounted for less than 30%of the total age group.The proportion of insurance is about 20%.The proportion of effective insurance volumes of middle -aged and elderly groups accounts for about 30%of the total age groups, of which life insurance and disease insurance account for 22%and 26%, respectively.Considering that the proportion of the population of 45 and above has reached 43%of the total population of my country, the probability of the major risks such as diseases, medical care, and disability facing the group will increase with each other. The degree of protection is significantly low.

In the industry, in the context of accelerating aging, my country’s insurance industry needs to plan the insurance business of middle -aged and elderly people from a long -term perspective, and conduct strategic deployments in terms of data accumulation, technology applications, resource investment, and talent reserves.

Julien Descombes, chief underwriting officer of Switzerland Reinsurance Life Insurance and Health Insurance, said that insurance companies need to continue to strengthen their core insured and pricing capabilities, actively use scientific and technological means to promote middle -aged and elderly insurance products and business innovation.Promote the development of middle -aged and elderly insurance business, and give play to the risk protection role of commercial insurance.

 

Edit: Xing Sisha

Xinhua Finance, Beijing, March 20 (Reporter Zhang Siwen) On the 19th, the China Insurance Industry Association and Swiss Reinsurance Revo