Core Viewpoint - The company reported significant growth in revenue and net profit for the first half of 2025, indicating strong operational performance and strategic advancements in its business model [1] Financial Performance - The company achieved operating revenue of 250 million yuan, representing a year-on-year increase of 11.78% [1] - The net profit attributable to shareholders reached 151 million yuan, showing a substantial year-on-year growth of 94.39% [1] - The company plans to distribute a cash dividend of 0.4 yuan per 10 shares (tax included) to all shareholders, with no bonus shares issued [1] Strategic Developments - The company made breakthrough progress in its future strategic business, launching the "Guomai University Elderly Care" community, which simulates home-based elderly care [1] - The newly launched AI smart assistant for home elderly care is designed to create a synergistic ecosystem with the community initiative [1] - The company is committed to enhancing investor returns through increased dividend ratios and frequency [1]

Group 1 - The aging population in China is projected to exceed 310 million by the end of 2024, accounting for 22% of the total population, with over 90% of families opting for home-based elderly care [1][15] - Home-based care presents challenges, including risks associated with isolation and lack of immediate assistance, as illustrated by the experiences of elderly individuals like Zhang and Feng [1][3] - The integration of technology and professional services is being explored to address these challenges, with initiatives like the "Home Care Center" launched by Dajia Insurance in Beijing [3][14] Group 2 - Technology is being utilized to enhance home care, providing features such as emergency alerts and health monitoring, which can alleviate concerns of elderly individuals [2][12] - The shift from passive waiting for help to proactive monitoring and assistance is crucial for making home environments safer for the elderly [4][13] - Trust issues arise as many elderly individuals resist the adoption of technology, often due to concerns about privacy and the perception of being monitored [6][7] Group 3 - The industry is witnessing a growing interest from insurance companies in home care services, with over 20 companies, including Ping An and China Life, actively participating in this sector [15][16] - Challenges such as insufficient supply capacity and the need for standardized services are prevalent, with many service providers lacking the necessary training and resources [16][17] - Balancing quality and affordability remains a significant challenge, as many elderly individuals have limited financial means, complicating the delivery of effective home care services [17][18] Group 4 - Localized service teams are essential for effective home care, as the diverse needs of elderly individuals across different regions require tailored solutions [18][19] - The industry is exploring innovative models to enhance service delivery, such as integrating medical services with home care to meet the essential needs of the elderly [20] - The evolution of home care services is ongoing, with a focus on creating a supportive ecosystem that combines technology and human interaction to improve the quality of life for the elderly [19][20]

正是在这样的现实语境中，富德生命人寿提出了自己的解法。其推出的 "美好生活"项目，通过保险产 品与居家适老化养老服务的有机融合，试图为客户搭建起"在熟悉的家中老去"的可实现路径。 值得关注的是，富德生命人寿于近日在吉林长春发布了"美好生活2.0"升级版本，在原有居家适老化改 造基础上实现理念与功能的全面迭代。项目从"适老化"迈向"享老化"，不再将衰老等同于被动照护，而 是倡导延长"活力老人"阶段，鼓励长者保持自主、走出家门，同时引入一系列前沿设施与服务模块，回 应长者对体面、安全生活的深层需求。 在城市化加速与人口流动日益频繁的今天，传统的"家庭养老"变得愈发艰难，越来越多的家庭面临子女 力不从心、老人独自应对的现实困境。在这种结构性压力下，专业化、定制化的居家服务变得尤为重 要。 01 从保障到陪伴： 让养老服务真正"住进"生活 如今谈及养老问题，早已不止于"有没有人照顾"，更关乎能否安全、体面地生活。这也是越来越多家庭 开始关注适老化改造的原因。 或许正是基于这样的考量，65岁的吕先生，做出一个不同寻常的选择。他为自己45岁的女儿购买了一 份"富德生命鑫禧年年美好生活版养老年金保险（D款）"。而在参观富德 ...

Group 1 - The core point of the article is that Guomai Technology (002093) has launched the first AI smart device specifically designed for home-based elderly care in China [1] Group 2 - The introduction of this AI smart device marks a significant innovation in the field of elderly care technology [1] - This development reflects the growing trend and demand for smart solutions in the aging population sector [1] - Guomai Technology aims to enhance the quality of life for elderly individuals through advanced technology [1]

Group 1 - The event combines an art experience with a focus on senior care, showcasing the company's commitment to innovative elder care solutions [1][2] - The "Beautiful Life" elder care project is a response to national aging strategies, providing personalized home care solutions [2] - The successful hosting of the exhibition and art festival highlights the company's innovative achievements in the elder care sector and its integration with cultural arts [2] Group 2 - The event aims to deepen customer understanding of the company's elder care service strategy while enriching their spiritual lives [2] - Customers expressed that the event provided a rare opportunity for self-expression and engagement [2] - The activities received widespread acclaim from customers and significant attention from various sectors of society [2]

Group 1: Elderly Care Initiatives - The article discusses the focus on home-based elderly care, particularly for high-risk groups such as elderly individuals living alone [1] - The Beiyuan Village community in Hefei has established a "one household, one file" observation system and introduced a "doorbell plan" to enhance elderly care services [1][3] - The "doorbell plan" includes 82 volunteer "love observers" and 13 "red guardians" who provide daily contact and support based on the elderly's needs [3] Group 2: SOS Emergency Response System - The community has upgraded the "doorbell plan" to include an SOS emergency call card that connects elderly individuals with their children and community service centers [4] - The SOS card allows elderly individuals to contact family members and community services quickly, with a response time of 10 minutes for volunteers to arrive [6] - The system also features an electronic fence that triggers alerts if the elderly person leaves a designated area [6] Group 3: Community Volunteer Services - In Jiangxi Longnan City, the "Nine O'clock Appointment" service was launched to assist elderly individuals, disabled persons, and those living alone [7] - Volunteers visit elderly individuals daily to provide basic care, psychological support, and safety checks [9] - The initiative has expanded its service range and improved the frequency of visits to address the needs of vulnerable populations [7][9] Group 4: Smart Medical Delivery Services - In Dongying City, a smart medical care system has been established to deliver medications to elderly individuals' homes using unmanned delivery vehicles [10] - The delivery vehicles are equipped with temperature-controlled storage to ensure the stability of medications during transport [12] - The system utilizes 5G technology for real-time monitoring of delivery conditions, achieving an average of over 90 deliveries per day [12]

Core Viewpoint - The future of home-based elderly care services in China is expected to become a competitive market similar to the elder care community sector five years ago, but it currently faces three major bottlenecks: unclear profit models, insufficient care services, and the need for industry standards [1][3][5]. Market Overview - As of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, with those aged 65 and above reaching 220 million, or 15.6% [4]. - The current elderly care system in China follows a "9073" model, where 90% of elderly care is home-based, yet less than 1% of the elderly reside in care institutions [2]. Industry Trends - The demand for home-based elderly care is increasing due to the aging population, with a significant shift towards community and home care services [3][5]. - Insurance companies are increasingly entering the home-based elderly care market, adopting a light-asset model to avoid the heavy competition in elder care communities [2][5]. Government Support - The Chinese government has issued multiple policies to promote the development of home-based elderly care services, emphasizing community support and the enhancement of care for disabled elderly individuals [2][5]. Insurance Companies' Strategies - Over 20 insurance companies, including China Ping An and China Taiping, are actively exploring home-based elderly care services, utilizing models such as "insurance + service" and long-term care insurance [2][5][6]. - China Ping An launched its home-based elderly care service brand "Ping An Butler" in September 2022, covering over 85 cities and serving more than 190,000 clients by the end of 2024 [6]. Challenges in the Sector - The home-based elderly care sector faces significant challenges, including a shortage of qualified caregivers, with a reported gap of 5.5 million caregivers needed [17]. - The lack of standardized services and quality control in home care presents difficulties in meeting diverse elderly needs [18][19]. Future Outlook - The home-based elderly care market is expected to experience explosive growth, with projections indicating that the market could exceed 50 billion yuan by 2026, and the overall commercial elderly care market could surpass 200 billion yuan [8]. - Insurance companies are anticipated to integrate home-based elderly care services into their sales systems, driven by the increasing demand for such services [16].