Industry Overview - The global population aging trend is accelerating, with China's aging process being faster than the global average By 2023, China's population aged 65+ reached 217 million, accounting for 268% of the global elderly population [68][83] - China has entered a moderately aging society, with the elderly dependency ratio expected to exceed the child dependency ratio by 2025, reaching 485% by 2050 [54][70] - The silver economy has become a national strategy, focusing on both "aging economy" and "preparation for aging economy", covering seven potential industries including elderly care finance and smart health care [60][79] Company Strategy - Huatai Life Insurance has embraced the "Insurance + Elderly Care 30" era, transitioning from community-based care (10) to home-based health care (20) and now to comprehensive life scenario services (30) [23][180] - The company has launched the "Taixiang" series of elderly care services, covering travel, home care, institutional care, and health management across all life scenarios [4][22] - Huatai Life Insurance has established a global network of high-quality elderly care bases, offering 12+ premium travel routes and 6+ residential bases [6][188] Target Market Analysis - The primary demand group for the silver economy is the 40+ population, with differentiated needs across new middle-aged (40-60), new prosperous (60-75), and new elderly (75+) groups [114][158] - 51% of new prosperous individuals focus on health issues, with top demands being comfortable short stays (447%), health checkups (387%), elderly care tourism (387%), and health management (322%) [13] - 846% of new elderly families lack rehabilitation nursing experience, and 615% cannot find professional caregivers, indicating a significant gap in professional care services [19] Service Offerings - Taixiang Smart Residence provides 7×24h artificial + intelligent butler services, utilizing smart devices for home safety and health monitoring [8][9][203] - Taixiang Travel focuses on building a global network of residential bases, offering customized travel butler services and unique travel routes [29][31][188] - Taixiang Health Care connects with professional medical institutions, providing disease treatment, rehabilitation, nursing, and life care services [167][191][205] Consumer Insights - New middle-aged individuals face health challenges (660% lack nutritional guidance) and worry about parents' medical care (45% concerned about financial pressure) [143][154] - New prosperous individuals prioritize quality of life, spending on health preservation (423%), hobbies (370%), and travel (331%) [130][134] - New elderly individuals have strong demands for medical resources, with 748% needing tertiary hospital services and 620% requiring outpatient services [119][175] Market Potential - The pension product market has reached 227 trillion yuan, with significant growth potential in elderly tourism, traditional Chinese medicine health management, and medical-nursing integrated institutions [99][100] - Nearly 50% of elderly people's medical rehabilitation needs remain unmet, with 494% of the elderly population requiring professional care services [48][101] - The elderly care market shows strong demand for home-based services, with 598% preferring family doctors and 553% needing home care services [175][176]
保险：2024新康养需求洞察白皮书：泰享懂你 康养友伴
华泰财产·2024-12-27 02:04