“保险+养老”不断深化 上市险企布局特色养老生态

Core Insights - The "insurance + elderly care" model is transitioning from strategic planning to value realization, driven by the aging population and the transformation of the insurance industry [1] - Leading insurance companies are integrating resources across elderly care, health, technology, and comprehensive finance to explore new growth opportunities [1] Group 1: Company Strategies - China Pacific Insurance reported a 55% year-on-year increase in the number of qualification letters generated for residency, with total premiums up by 44%, indicating a positive impact on high-net-worth client growth [1] - Ping An's CEO highlighted that 60% of their clients now enjoy medical and elderly care services, with new clients increasingly coming from this sector, demonstrating a successful "service drives sales" model [2] - China Life is actively developing three elderly care product lines, including CCRC (Continuing Care Retirement Community), with 19 institutional projects across 15 cities [3] Group 2: Market Trends - The combination of comprehensive finance and medical elderly care is becoming a core growth driver for Ping An, creating a complete service chain that enhances customer engagement [2] - The deep layout of elderly care ecosystems is reshaping traditional value chains, transitioning insurance from a risk transfer tool to a provider of comprehensive solutions [2] - China Pacific Insurance aims to enhance synergy between health insurance and elderly finance, focusing on growth opportunities in medical insurance and elderly care [4] Group 3: Future Directions - China Pacific Insurance plans to improve service quality in institutional elderly care and home care, emphasizing a balance between light and heavy care services [4] - The company is focusing on a customer-centric approach, integrating high-quality services into product innovation to enhance customer engagement throughout the entire lifecycle of care [4]