何志光：引领新生态，共筑银发未来——保险业在医康养产业中的核心价值与路径

Core Insights - The 20th China Insurance Innovation Forum emphasizes the insurance industry's pivotal role in integrating and leading the medical, health, and elderly care sectors, marking a significant transformation in response to evolving national policies and market demands [3][19]. Industry Trends - By the end of 2024, the population aged 60 and above in China is projected to exceed 310 million, representing a substantial market opportunity for the insurance sector [3][19]. - The insurance industry is transitioning from a focus on basic coverage to providing comprehensive, high-quality health and elderly care services throughout the entire lifecycle [3][19]. Economic Contribution - In 2023, the total assets of China's financial sector reached 461.09 trillion yuan, with the insurance sector providing over 13 trillion yuan in insurance coverage, equivalent to 106 times the GDP for that year [4][20]. - The insurance sector is recognized as a critical component of the national financial safety net, providing essential risk protection for families facing health crises [6][22]. Strategic Evolution - The development of the medical and elderly care industry in China has closely aligned with national strategies, evolving through distinct phases from initial exploration to comprehensive integration [7][23]. - The "14th Five-Year Plan" and the upcoming "15th Five-Year Plan" highlight a shift from a singular focus on elderly care to a dual approach that includes both care and industry development [25]. Practical Pathways - The insurance industry is evolving from being merely a payment tool to becoming an integrated ecosystem platform that connects various health and elderly care services [26][31]. - Innovations in service delivery, such as the integration of AI and IoT for real-time health monitoring and care, are being implemented to enhance customer experience and operational efficiency [28][32]. Future Outlook - The insurance sector is called to deepen collaboration across healthcare, technology, and elderly care sectors to develop integrated products that meet the needs of the population [32]. - There is a strong emphasis on establishing standards and frameworks to guide the development of the medical and elderly care services, ensuring a cohesive and effective industry evolution [32].