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].

刚刚过去的2024年，保险业迎来第三份"国十条"，"大保险观"引领行业高质量发展前路，保险业的"两 若将时间线拉长，从2019年到2024年，可以更明显看到大家保险取得的转型成绩：寿险负债成本显著压 降，负债资金成本率优于行业平均水平；财险业务成本大幅压降，综合成本率从160.4%压降至103.0%， 接近行业平均水平。 "成立五年来，存量风险稳步化解、负债经营基础逐步建立、投资管理体系趋于完善。"大家保险集团称。 寿险：价值导向筑牢基本盘，养老协 同"加分" 作为大家保险基本盘的大家人寿，在近年寿险业深度转型的环境下走出"独立行情"，在绩优人才招募、价 值规模上逆势增长。 器三网"作用受到空前重视，金融"五篇大文章"也对保险业提出新要求。 每一家保险机构都在以自己的方式，积极作答时代命题。大家保险集团今日对外公布了最新主要经营业 绩。成立五年多来，这家诞生之日起就备受关注的万亿级保险机构，一面在保险主责主业之上固本，一面 在养老生态赋能上徐徐深入。 图片来源：大家保险 主业：保费连续三年千亿，经营效益有 效改善 成立于2019年的大家保险集团，一直以来的发展方向极为清晰，"补传统的课，讲养老的故事"。尽管发 ...