10万香港老人开始北上养老，背后藏着多大的市场？

Group 1 - The number of elderly Hong Kong residents moving to Guangdong for retirement has surged, with nearly 100,000 individuals aged 65 and above choosing to settle there, marking a 40.5% increase over the past decade [2][4]. - As of 2024, the elderly population (65 years and older) in Hong Kong accounts for 23.9% of the total population, which is approximately 170,000 individuals [3][4]. - Factors such as lower living costs, larger living spaces, and cheaper housing in mainland China are significant attractions for Hong Kong seniors considering retirement there [5][6]. Group 2 - Recent years have seen increased policy initiatives from both Guangdong and Hong Kong governments aimed at facilitating cross-border retirement, attracting more Hong Kong seniors and investment from Hong Kong-funded elderly care institutions [6][41]. - The introduction of new medical institutions in mainland China allows Hong Kong seniors to access outpatient medical services, enhancing the appeal of cross-border healthcare [7][8][9]. - The Hong Kong Elderly Medical Voucher, which provides HKD 2,000 annually for medical services, can be used in designated hospitals in mainland China, further incentivizing elderly residents to seek medical care across the border [10][20]. Group 3 - The disparity in healthcare systems between Hong Kong and mainland China poses challenges for elderly residents, particularly regarding the transfer of medical records and insurance coverage [27][28][32]. - The average waiting time for elderly care services in Hong Kong is significant, with some facilities having wait times of up to six years, prompting many seniors to consider moving to mainland China for quicker access to care [37][41]. - The cost of elderly care in mainland China is substantially lower than in Hong Kong, with monthly fees for nursing homes in mainland cities being one-third to one-fifth of those in Hong Kong [33][34]. Group 4 - Insurance companies are beginning to develop products tailored for the cross-border retirement market, indicating a growing interest in this sector [42][46]. - The integration of insurance products with elderly care services is becoming a trend, with companies like China Pacific Insurance and Taikang Insurance exploring opportunities in this space [47][48]. - The potential market for cross-border retirement services is significant, especially among middle-income seniors who are looking for cost-effective solutions [51][55].