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10万香港人开始北上养老
投资界·2025-08-06 07:34

Core Viewpoint - The article discusses the increasing trend of elderly residents from Hong Kong moving to mainland China for retirement, driven by lower living costs and better housing options, while highlighting the challenges related to healthcare access and insurance coverage for these individuals [5][6][12]. Summary by Sections Elderly Migration Trends - The number of Hong Kong seniors aged 65 and above relocating to Guangdong province has surged by 40.5% over the past decade, with nearly 100,000 expected to settle there by mid-2024 [5]. - As of 2024, seniors aged 65 and above represent 23.9% of Hong Kong's population, with over 1.7 million elderly individuals [5]. Healthcare Concerns - Hong Kong's public healthcare system offers 100% reimbursement, which is not transferable to mainland China, raising concerns among seniors about medical access and costs [6][12]. - Key issues for potential migrants include the ability to access medical services, reimbursement policies, and the interoperability of medical records between Hong Kong and mainland China [6][12]. Cross-Border Healthcare Initiatives - Recent policies have been introduced to facilitate cross-border healthcare, including the addition of 12 pilot medical institutions in mainland China for Hong Kong seniors [6][7]. - Seniors can utilize a healthcare voucher worth 2,000 HKD annually, which can be used at designated hospitals in mainland China [7][8]. Market Potential - The article highlights the significant market potential for cross-border healthcare and retirement services, as many Hong Kong seniors are seeking affordable healthcare options in mainland China [12][15]. - The average monthly cost of nursing homes in Hong Kong exceeds 20,000 HKD, while similar facilities in mainland cities range from 1,500 to 10,000 RMB, making them more attractive [15][16]. Insurance Industry Response - Insurance companies are beginning to develop products tailored for the cross-border retirement market, with some firms seeking to combine insurance with retirement community services [17][18]. - Recent regulatory changes are expected to lower barriers for Hong Kong financial institutions to invest in mainland insurance companies, facilitating the development of cross-border insurance products [18][19]. Challenges and Opportunities - Despite the growing interest in cross-border retirement, many seniors remain hesitant due to concerns about healthcare access and the adequacy of insurance coverage [12][15]. - The article notes that while there is a market for high-end retirement communities, the current occupancy rates are low, indicating a need for better marketing and service offerings to attract Hong Kong seniors [20].