9月25日，倍轻松在互动平台向投资者表示，目前公司共计13款产品已进入深圳市民政局公布的2024年 智能居家适老化改造消费提升专项活动参与品牌的产品清单。随着人口老龄化加深，银发经济崛起，老 年人口数量庞大且消费需求不断增长，公司未来将进一步迎合银发经济风潮，打造更多适老化产品。作 为智能便携按摩器细分行业的开创者，倍轻松于2021年7月在上交所挂牌交易。2025年上半年，公司实 现营收3.85亿元，同比下降36.22%；净亏损3611.47万元，亏损同比扩大238.19%。 ...

随着我国老龄化进程的加速，社会对多层次、多元化养老保障的需求日益迫切，驱动着保险 行业不断进行产品与服务创新，以满足老年人及其家庭在风险保障、财富管理与健康服务等 方面的需求。 日前，北京市民政局发布《关于进一步做好养老服务机构综合责任保险的意见》（简称《意 见》）。根据该文件， 意外伤残或身故责任、法律费用、第三者责任及其他应纳入保险范围 的养老服务机构责任均在保险理赔范围之列 。 业内认为，该文件的推出，意味着养老机构综合责任实现"应保尽保"。除了北京以外，记者 了解到，北京、新疆、河北、上海等地均发布相关文件，旨在通过政府补贴或政策引导等措 施，鼓励养老机构投保养老机构责任保险，以化解养老服务过程中的意外事故等风险，提升 服务质量。 养老金融产品日渐丰富 养老机构责任保险， 是指入住老人在养老机构因各种原因发生事故，造成依法应由养老机构 承担的经济赔偿责任时，由保险公司在约定期间内按一定限额给予赔偿的责任保险 。保障范 围包括人身伤亡、无责救助及法律费用。 《意见》明确，在保险期限内，签约服务对象在养老服务机构责任范围内意外受伤或身故， 由保险公司按照约定负责赔偿。养老服务机构支付的施救费用，由保险公司 ...

Core Insights - The integration of VR and AI in healthcare is leading to a quiet revolution, redefining the boundaries of health and wellness, with applications ranging from pain relief to treating Alzheimer's disease [1][12] - Walter Greenleaf, a leading expert in VR and digital health, emphasizes the importance of translating laboratory results into market applications to aid startups in scaling their innovations [2] - Immersive therapies are emerging as a new class of treatment, utilizing VR and AR to help patients overcome psychological barriers in a safe environment [4] Group 1: Immersive Therapy Applications - Immersive therapies are being used for PTSD treatment, addiction recovery, and social training for children with autism, showcasing the potential of VR and AR as "second-generation drugs" [4] - The concept of "on-demand experiences" allows patients to enter virtual worlds that facilitate gradual exposure to their fears and anxieties [4] Group 2: Aging Population and Investment Opportunities - By 2050, one in six people will be over 65, highlighting the need for solutions that maintain brain vitality as longevity increases [6] - The focus on brain health is becoming a more critical investment topic than wealth accumulation, with sleep being identified as a key factor [6] Group 3: China's Opportunities in AI and Healthcare - China possesses significant advantages in AI and healthcare technology, particularly in precision medicine and data application, positioning it for rapid advancements in these fields [8] Group 4: Digital Therapeutics and Regulatory Changes - The FDA has established a new category for "software as a medical device," allowing for the prescription of software, indicating a shift towards mainstream acceptance of digital therapies [10] - The next 5-10 years are expected to see the scaling of immersive medical applications within healthcare systems [10]

Core Viewpoint - The article discusses the transformative impact of immersive technologies like VR and AI on healthcare, highlighting their potential to redefine health boundaries and address various medical conditions, thus opening up opportunities in the trillion-dollar silver economy [1][5]. Group 1: Immersive Therapy - Immersive therapy is being utilized for various treatments, including PTSD, addiction, and social training for children with autism, positioning VR and AR as "second-generation drugs" [8]. - Patients can gradually overcome psychological barriers in a safe environment through virtual scenarios and real-time AI adjustments [8][9]. Group 2: Aging and Health - By 2050, one in six people will be over 65, making brain health a critical investment topic, as longevity does not equate to sustained brain vitality [11]. - Sleep is identified as a key factor in maintaining brain health, with genetics serving as a reminder to focus on cognitive well-being [11]. Group 3: Opportunities in China - China possesses significant latecomer advantages in AI and medical technology, particularly in precision medicine and data application [14]. - The country is poised to rapidly advance in these fields, indicating a strong potential for growth and innovation [14]. Group 4: Digital Therapeutics - The FDA has established a new category for "software as a medical device," allowing doctors to prescribe software, indicating that digital therapies are becoming mainstream [17]. - Immersive medical applications are expected to enter a phase of large-scale implementation within the next 5-10 years [18].

翻单杠、跳水的肌肉大爷，打匹克球、举铁的「金刚芭比」老奶，还有HYROX、马拉松赛场上的高年龄组别......从国外到国内，从互联网到身边，越来 越多的银发族抛弃「老人专属」养生模式，正在转头奔向更「硬核」的健身模式。 不服输的老年人，变多了 国家国民体质监测中心统计数据显示，2024年，全国60-79岁老年人经常锻炼的比例高达26.1%；80岁以上的高龄老人中，有14.7%活跃参与着锻炼。与十 年前相比，参与率都提升了10%以上。 老人们更爱运动了，也更会运动了。 除了传统的太极、瑜伽之类的舒缓运动，网球、羽毛球、匹克球等高强度运动，以及举铁、马拉松等实实在在挑战自我极限的项目，都出现了银发族的身 影。 夏初的全国中老年羽毛球邀请赛上，全国近2000名选手参赛，创下30年来的最高纪录。170岁以上年龄组的男双比赛里，90岁的周克和96岁的吴炳炎，分 别带着八旬「小将」搭档参赛，接起球来，毫不含糊。 低能量的年轻人不爱健身？没关系，高能量的老年人有的是力气。 2025成都马拉松中签名单中，60岁以上选手人数高达394位，且达标成绩线全部控制在4小时50分以内。不论竞技水平，能够站在起跑线上，突破年龄带来 的生 ...

随着我国老龄化进程的加速，社会对多层次、多元化养老保障的需求日益迫切，驱动着保险行业不断进 行产品与服务创新，以满足老年人及其家庭在风险保障、财富管理与健康服务等方面的需求。 日前，北京市民政局发布《关于进一步做好养老服务机构综合责任保险的意见》（简称《意见》）。根 据该文件，意外伤残或身故责任、法律费用、第三者责任及其他应纳入保险范围的养老服务机构责任均 在保险理赔范围之列。 业内认为，该文件的推出，意味着养老机构综合责任实现"应保尽保"。除了北京以外，记者了解到，北 京、新疆、河北、上海等地均发布相关文件，旨在通过政府补贴或政策引导等措施，鼓励养老机构投保 养老机构责任保险，以化解养老服务过程中的意外事故等风险，提升服务质量。 养老金融产品日渐丰富 养老机构责任保险，是指入住老人在养老机构因各种原因发生事故，造成依法应由养老机构承担的经济 赔偿责任时，由保险公司在约定期间内按一定限额给予赔偿的责任保险。保障范围包括人身伤亡、无责 救助及法律费用。 他认为，应借助金融科技重构养老生态，通过AI与大数据整合多源信息、实现动态需求分析与个性化 资产配置，并建立"适老化+可信化"服务平台，探索算法建议与人工监督相 ...

近日，商务部、中国人民银行等部门印发《关于扩大服务消费的若干政策措施》（以下简称《政策措 施》），提出发挥金融、财政等政策合力，从供需两端激发服务消费新增量，促进服务消费高质量发 展。 政策合力效应显现 服务消费是经济增长的重要驱动力，在外部环境不确定性加大、国内经济转型调整的宏观背景下，提振 服务消费的必要性不断凸显。 政策引领加快服务消费提质发展。"去年以来，按照党中央、国务院关于大力提振消费、全方位扩大国 内需求的决策部署，中国人民银行出台了一系列金融支持政策，有效带动扩大服务消费供给，支持更好 满足居民服务消费需求。"中国人民银行信贷市场司负责人杨虹表示。 董希淼表示，商业银行、消费金融公司等金融机构紧抓政策红利，支持推动改善高品质服务消费供给， 以高质量供给创造有效需求，进一步激发消费市场的潜力和活力，从而大力提振消费、扩大内需。 "高质量信贷供给，既体现在量价上，即更合理优惠的贷款利率水平、足够的资金支持力度，更体现在 提供更加适配的产品和服务模式上。"梁婧表示，不同服务消费领域行业发展特点和需求差异较大，金 融机构围绕不同服务消费场景开发适配的信贷产品，有利于推动服务供给侧升级、消费需求潜力更好 ...

Group 1: Silver Economy and Consumer Trends - The "silver economy" is a significant driver for improving livelihoods and transforming consumption patterns, with over 310 million people aged 60 and above in China, leading to a booming market for senior services [1] - The silver economy is projected to exceed 30 trillion yuan by 2035, indicating substantial growth potential in this sector [1] - Recent policies aim to enhance service supply for the elderly, focusing on training for caregivers and supporting the construction of facilities in culture, tourism, and elderly care [1][5] Group 2: Innovations in Elderly Services - Various regions are implementing tailored strategies to improve elderly service offerings, such as Zhejiang's encouragement of professional elderly care institutions and Henan's development of smart elderly service networks [1] - Didi Chuxing has launched an "elderly version" app and a priority ride service for seniors, providing over 200,000 priority ride requests for medical visits by August 2023 [2] Group 3: Childcare Services and Market Potential - The childcare market is also expanding, with nearly 30 million children under three years old, and initiatives are underway to enhance the inclusive childcare service system [3] - The establishment of community-based childcare services, such as the "Baby House" in Yinchuan, is part of a broader effort to provide accessible and quality childcare [3][4] Group 4: Policy Support and Future Outlook - The government is focusing on developing a comprehensive service network for both elderly and childcare services, with recent policies promoting the construction of community-based facilities [5] - The shift towards service consumption in elderly and childcare sectors is expected to play a crucial role in driving economic growth as consumer structures evolve [5]

Group 1 - The core viewpoint emphasizes the growing demand for services catering to the elderly population, which is projected to exceed 30 trillion yuan by 2035, driven by over 310 million individuals aged 60 and above in China [1][5] - The government has introduced policies aimed at enhancing service supply for the elderly, including training for caregivers and support for the construction of relevant facilities in sectors like culture, tourism, and healthcare [1][5] - Various regions are implementing tailored strategies to improve elderly care services, such as Zhejiang's encouragement of professional service institutions and Henan's development of a smart elderly care network [1][4] Group 2 - The "Didi Elderly Version" app has been launched to meet the transportation needs of older adults, featuring user-friendly options like large fonts and one-click booking [1][2] - Didi has provided over 200,000 priority ride services for elderly patients visiting hospitals, showcasing a commitment to addressing the unique challenges faced by this demographic [2] - The community-based childcare services are expanding, with over 5.7 million childcare spots created for children under three years old, reflecting a significant investment in early childhood education [3][4] Group 3 - The government is focusing on developing a comprehensive service ecosystem for both the elderly and young children, with policies aimed at enhancing community-based services and integrating childcare facilities into urban planning [4][5] - The emphasis on "one old and one young" consumption highlights the potential for service consumption to become a leading driver of economic growth, as the structure of consumer spending continues to evolve [5]

近日，张家港农商银行与张家港市民政局联合召开银发经济推进会，围绕产品创新、服务升级、资金监 管等核心议题展开讨论，明确以"政银联动+专业赋能"模式，为港城老年群体打造全维度养老服务生 态。 会上，张家港市民政局相关负责人提出，一是联合成立专项协调班子，双方相关负责人牵头，抽调业务 骨干组成工作专班，建立定期会商、任务分解、进度督办机制，统筹推进产品研发、服务落地、专区建 设等工作，确保资源高效分配、问题快速解决；二是引入专业第三方机构，借助其在养老产业研究、金 融服务设计等领域的专业优势，为合作提供数据支撑与方案优化建议，提升养老服务与金融产品的科学 性、适配性；三是开展专项金融服务调研，聚焦港城老年人风险偏好、养老产业金融需求等，通过问 卷、访谈等形式摸清需求，为后续定制化金融产品研发、服务模式创新提供精准依据。 张家港农商银行表示，将全面响应民政局工作部署，配合做好班子组建与调研工作，立足金融服务本 源，将适老理念融入网点运营与产品设计，打造"金融+养老"融合服务新场景，让老年人享受到更便 捷、更安心的金融服务。 会上，双方就未来具体合作进行深入探讨，合力推动张家港养老服务战略计划，为港城银发经济发展设 ...