Core Insights - The article highlights the innovative approach of Taikang Life in developing a new life insurance model that integrates payment, service, and investment to address the growing focus on pension finance amid an aging population [2][6] Group 1: Business Model and Strategy - Taikang Life has established a new life insurance model that emphasizes the integration of medical and elderly care services, creating a seamless service system throughout the entire life cycle [2][3] - The company has achieved a compound annual growth rate of over 10% in premiums over the past decade, indicating stable and rapid growth compared to its peers [3] - In 2024, Taikang Life reported a revenue of 271.1 billion yuan, a year-on-year increase of 15.3%, with insurance business income reaching 228.3 billion yuan, up 12.4% [3] Group 2: Product Innovation - The "Happiness Appointment" product has evolved over ten years into a comprehensive system that meets the pension and health wealth management needs of clients across their entire life cycle [4] - The dual solution of "Longevity Appointment + Health Appointment" combines annuity insurance with community living confirmations to create sustainable cash flow for retirement planning [4] Group 3: Market Position and Future Outlook - Taikang Life is actively participating in national pension policies, with 20 insurance products included in the personal pension insurance product catalog, serving over 51,000 personal pension clients [5] - The company aims to build a high-quality team of Health Wealth Planners (HWP) to enhance customer experience and service quality, with the HWP team exceeding 1,000 members, including many highly educated professionals [5][6] - The company is committed to deepening its focus on pension finance and expanding its product and service offerings to lead industry innovation [6]
引领医养融合 开辟养老金融新维度
Nan Fang Du Shi Bao·2025-06-26 23:12