何志光：《2025年度中国保险医康养产业研究报告》

Core Insights - The insurance industry is increasingly recognized as an effective tool for implementing national development strategies, connecting customer demand insights, service ecosystem integration, and the final payment loop [1][15][24] - Despite the acknowledgment of the social contribution value of insurance at various government levels, there remains room for improvement in understanding its significance [1][15][24] Industry Report Highlights - The 2025 Annual Research Report on the Insurance Medical and Health Industry was released, expanding its focus from elderly care communities to the entire health and wellness industry, including medical health [3][17] - The rise of the silver economy and the maturation of the overall market, along with clear national strategic guidance, have created historic opportunities for both elderly finance and related medical health industries [3][17] Alliance Functions - The alliance aims to build a platform for insurance companies and various enterprises in the health and wellness industry to promote collaboration and win-win cooperation [4][18] - The alliance has initiated substantial cooperation with local governments, such as participating in the restructuring and planning of the Haihua Island project, which is positioned as a key exploration base for the health and wellness industry [5][19] - The alliance promotes sharing across technology, services, products, and customer service to create a complete ecosystem [6][19] Standardization and Legal Support - The alliance has led the establishment of service standards for elderly care communities and various supporting service specifications to ensure service quality stability [6][20] - A proposed legal service platform aims to address the lack of reliable and professional channels for resolving legal disputes faced by elderly individuals in care facilities [7][20] Economic Impact of Insurance - In 2023, the total assets of the financial industry reached 461 trillion yuan, with the insurance industry bearing an insurance guarantee amount exceeding 13 trillion yuan, which is 106 times the GDP of that year [10][22] - The insurance industry provides risk and wealth protection amounts that are several times the GDP, highlighting its critical role in the national economy [11][23] Future Considerations - The insurance sector's contribution to economic development should be evaluated based on insurance guarantee amounts rather than just asset scale, which could lead to more flexible and forward-looking fiscal policies [12][24] - The insurance industry is becoming increasingly essential in the national development strategy, with its role in various social welfare areas being indispensable and continuously supported by policy [1][15][24]