化风险激动能，多地力推养老机构上保险

Core Viewpoint - The article discusses the promotion of liability insurance for elderly care institutions across various regions in China, highlighting government initiatives to encourage insurance uptake to mitigate risks associated with elderly care services [1][3][4]. Group 1: Government Initiatives - Multiple regions, including Beijing, Xinjiang, and Hebei, have issued documents to promote liability insurance for elderly care institutions, aiming to enhance service quality and manage risks from accidents [1][3]. - Hebei's measures include an 80% subsidy for eligible institutions participating in comprehensive liability insurance, with a maximum subsidy of 80 yuan per person per year [3]. - Beijing's policy outlines a tiered subsidy approach based on the operational and risk profiles of elderly care institutions [4]. Group 2: Insurance Product Development - The liability insurance for elderly care institutions covers personal injury, no-fault assistance, and legal fees, with a focus on creating products that meet the needs of the elderly [3][4]. - There is a call for insurance companies to innovate and improve service offerings, including collecting data on accident types and developing differentiated pricing models [8]. Group 3: Challenges in Implementation - The development of liability insurance for elderly care institutions faces challenges such as insufficient supply from insurance companies, lack of experience data, and difficulties in defining liability [6][7]. - The insurance sector has a weak incentive to participate due to factors like premium levels and risk coverage, leading to low voluntary participation from care institutions [6][7]. - The need for effective data accumulation and risk management experience is emphasized, as accurate premium pricing relies on comprehensive data models [7]. Group 4: Importance of Liability Insurance - Promoting liability insurance is crucial for building a supportive elderly care system, ensuring the rights of the elderly, and reducing operational risks for care institutions [8].