程康平：以“新寿险”创新模式 解码中国养老金融

Core Viewpoint - The article emphasizes the increasing importance of pension finance in response to the accelerating aging population in China, highlighting the government's strategic focus on developing "pension finance" and "silver economy" during the 14th Five-Year Plan period [1][8]. Group 1: New Life Insurance Model - The "New Life Insurance" model proposed by Taikang Life integrates insurance with medical and elderly care services, creating a comprehensive service approach that aligns with national strategies [2][3]. - This model combines payment, service, and investment, generating multiplier and value effects, thereby enhancing customer satisfaction and ensuring stable returns for the insurance company [2][3]. Group 2: Financial Services for Elderly Care - Taikang Life has established a robust presence in pension finance, focusing on three main areas: pension financial products, elderly service finance, and elderly industry finance, contributing to the national pension system [4][5]. - The company has actively participated in the development of third-pillar commercial pension insurance, with 1.89 million insured individuals and a total premium of 314.4 billion yuan by September 2025 [4]. Group 3: Health Management and Integration - The integration of medical and elderly care services has been strengthened, with Taikang Life developing a comprehensive service network that covers the entire lifecycle of users [6][7]. - The company has implemented a health management model that combines health insurance, management, and services, benefiting over 11 million individuals and providing significant claims support [6]. Group 4: Infrastructure Investment - Taikang Life has invested 56.7 billion yuan in the elderly care and health sectors, establishing a network of 47 medical and elderly care projects across 37 cities, accommodating over 86,000 elderly individuals [5][6]. - The company has opened five major medical centers, serving over 8.8 million patients, demonstrating its commitment to building a comprehensive elderly care infrastructure [5][6]. Group 5: Future Outlook - Looking ahead to the 15th Five-Year Plan, Taikang Life aims to continue aligning its development with social needs, leveraging the "New Life Insurance" model to address challenges posed by an aging population [8].