大家保险的“城心养老”：一份具有中国特色的养老答卷

Core Viewpoint - The aging population in China presents both a national strategic focus and market opportunities, with Dajia Insurance actively responding by developing a "City Heart Elderly Care" model tailored to China's unique circumstances, contributing valuable insights for the development of the silver economy [1][2]. Group 1: Industry Context - By 2024, the population aged 60 and above in China is projected to reach 310.31 million, accounting for 22.0% of the total population, highlighting the urgent need for a new elderly care service ecosystem due to urbanization and changing family structures [2]. - Traditional cultural values and emotional ties to home create reluctance among the elderly to leave their long-term residences, necessitating a balance between quality medical resources and the emotional significance of "home" [2]. Group 2: Dajia Insurance's Initiatives - Dajia Insurance has established a unique elderly care ecosystem, with 16 "City Heart" communities across 14 cities, serving over 60,000 local clients and 270,000 traveling clients, and accumulating long-term premium scale exceeding 300 billion yuan [1][3]. - The "City Heart" concept aims to provide proximity to medical facilities and family, addressing the isolation of traditional elderly care communities while ensuring professional care and emotional support [3]. Group 3: Service Model and Competitive Advantage - Dajia Insurance has developed a "City Heart Elderly Care Core Competitiveness System 1.0," which includes a three-tiered service model encompassing service, value, and security layers, further divided into 12 modules [4]. - The service layer includes six key service systems: medical, rehabilitation, nursing, wellness, diet, and housing, ensuring comprehensive support for daily living and specialized care [4]. - The value layer focuses on project renovation, integrated marketing, and operational management to create differentiated competitive advantages [4]. Group 4: Integration of Insurance and Elderly Care - The elderly care ecosystem serves as a crucial link between insurance products and tangible services, transforming abstract insurance promises into visible daily care [6]. - By leveraging elderly care communities, Dajia Insurance enhances its marketing strategies and deepens customer engagement, leading to a 26% year-on-year increase in new individual insurance premiums [7]. Group 5: Future Directions - Dajia Insurance plans to continue aligning with national strategies, enhancing its elderly care initiatives, and developing integrated solutions that combine insurance products with elderly and health services [8].