梁涛：现在的机构养老太贵 70%的市场在居家养老、社区养老

Core Viewpoint - The current elderly care market is facing contradictions, including the exit of major players and a significant gap between market demand and actual operations [2][11]. Group 1: Market Conditions - The demand for elderly care institutions should be increasing due to the aging population, yet many institutions are experiencing high vacancy rates and financial losses [3][11]. - Research indicates that only about 4% of elderly care institutions are profitable, while approximately 35% are operating at a loss [3][12]. - In Beijing, the average retirement pension for employees in 2024 is projected to be 4,658 yuan, while the cost of care facilities for disabled elderly individuals is generally above 5,500 yuan, with prices exceeding 10,000 yuan in central urban areas [3][12]. Group 2: Pricing and Demand Mismatch - The value of the elderly care market is determined not by the number of elderly individuals but by their payment capacity and the availability of corresponding services [4][13]. - As of the end of 2024, there are 406,000 various elderly care institutions and facilities in China, with 7.99 million beds available, which is insufficient compared to the 310 million elderly population [5][14]. - Despite the theoretical demand, actual occupancy rates remain low, highlighting the complexity of the market and insufficient consideration of the real needs of the elderly [5][14]. Group 3: Future Directions - The insurance industry should focus on a balanced approach, primarily emphasizing lighter models of elderly care [6][15]. - Insurance companies are currently involved in the elderly care sector mainly through self-owned or self-built institutions, which can lead to financial pressure and deviation from their core business [6][15]. - There is a need to balance high-end elderly care with inclusive services, promoting affordable, quality, and sustainable care options [7][16].