东方网记者王佳妮12月16日报道：中信保诚人寿与胡润百富联合日前发布《中信保诚人寿「传家」∙ 胡 润百富2025中国高净值人群品质养老报告》（以下简称《报告》）。本次发布会立足长三角经济创新枢 纽，深度聚焦国内人口结构转型背景下，高净值人群在养老规划、资金配置及服务诉求方面的最新趋 势。 胡润百富董事长兼首席调研官胡润对《报告》进行了深度解读。数据显示，人工智能（AI）正深度重 塑高净值人群的养老生活图景。在医疗健康领域，近半数受访者关注远程医疗与可穿戴智能设备，四分 之一的人群主动关注AI诊疗与智慧医院建设；在生活辅助方面，27%的受访者看重养老机构的智能化水 平；而在精神文化层面，31%的人群表示未来将尝试AI绘画、作曲等数字创作。这表明，智能科技已从 单一的健康管理渗透至生活服务与财富规划的全链条，成为品质养老的重要赋能者。 在健康管理机构选择上，高净值人群呈现出明显的"专业导向"与"多元并存"特征。《报告》指出，公立 医院体检中心凭借专业医疗优势仍是核心选择；中医医疗机构紧随其后，凸显了传统医学在预防保健领 域的独特价值；私立高端机构则以定制化服务占据一席之地。在抗衰老措施方面，虽然饮食管理与规律 锻 ...

Core Viewpoint - Huatai Life Insurance has launched two new dividend-based insurance products, "Sui Sui Ying" and "Xin Sheng Shi," aimed at providing stable cash flow and wealth preservation for families in a low-interest-rate environment and an aging society [1][3][4]. Product Features - Both products utilize a dividend mechanism to address the needs for wealth appreciation and stable cash flow across different life stages, helping clients manage financial risks associated with longevity and low interest rates [3][4]. - "Sui Sui Ying" offers features such as quick access to benefits starting from the fifth year, a guaranteed cash value equal to the premiums paid, a stable annual payout of 1.75% of the total premiums until age 105, and annual cash dividends [5][7]. - "Xin Sheng Shi" is designed for retirement planning, providing increasing benefits with age, flexible withdrawal options, and additional longevity bonuses starting at age 99 [9][10]. Market Context - The current low-interest-rate environment and global economic volatility have shifted consumer investment preferences from high returns to more predictable growth, making dividend insurance an essential tool for family wealth management [4][11]. - Huatai Life's strong investment performance, with a comprehensive investment return rate of 12.73% in 2024, positions it favorably in the industry, enhancing its ability to deliver on product promises [12]. Strategic Focus - The company aims to innovate in the dividend insurance sector by aligning product offerings with customer needs, leveraging its investment management expertise, and ensuring robust operational practices [11][12]. - Huatai Life is committed to providing a comprehensive service ecosystem that includes health, retirement, and education services, enhancing the value proposition of its insurance products [10].

Core Viewpoint - The establishment of a community-based embedded elderly care service network in Dongchangfu District has significantly improved the quality of life for local seniors, providing them with accessible healthcare and social activities [2][4]. Group 1: Community Initiatives - The "You Shi Duo Shang Liang, Min Sheng Yi Shi Shi" platform has effectively facilitated discussions and resource integration to enhance community elderly care services [2]. - The community has successfully built an embedded elderly care service network covering over 4,800 residents, allowing more than 200 seniors to enjoy quality care services close to home [2][4]. Group 2: Volunteer Engagement - A registered volunteer team has been established to provide professional and heartfelt services, covering various needs such as daily care, healthcare, recreational activities, and emotional support [3]. - The community has implemented a "training—matching—incentive" management system for volunteers, promoting professional transformation in volunteer services [3]. Group 3: Future Plans - The local government plans to accelerate policy implementation, resource integration, team formation, and service delivery to ensure tangible benefits for the elderly [4]. - The ongoing development of the embedded elderly care service network serves as a replicable model for other communities facing similar challenges in elderly care [4].

Group 1 - The 9th China (Guangzhou) International Elderly Health Industry Expo officially opened on August 22, 2023, becoming an important platform for cooperation in the elderly care industry and promoting the silver economy in the Guangdong-Hong Kong-Macao Greater Bay Area [1] - The expo has evolved over eight years to become the only UFI-certified professional elderly care exhibition in the Greater Bay Area, showcasing achievements in elderly care and fostering collaboration with domestic and international cities [1] Group 2 - Ocean Group's subsidiary, Chuanxuanmao, showcased innovative elderly care services and a humanistic approach at the expo, emphasizing the concepts of "active aging" and "quality elderly care" [3] - Chuanxuanmao highlighted a specialized service system addressing the core needs of seniors, such as "health, happiness, and dignity," and presented tailored services for Hong Kong seniors and expertise in dementia care [3] Group 3 - The expo featured multiple thematic forums, including a roundtable on building dementia-friendly communities, where Chuanxuanmao shared its professional experience in family support services [5] - The family mutual aid association established by Chuanxuanmao has expanded beyond institutional boundaries to provide support and share experiences with families facing dementia care challenges [5] Group 4 - A family member of a dementia patient shared insights on the importance of professional care, emphasizing that emotional support and patience are crucial in caring for seniors with cognitive decline [8] - The need for families to actively learn caregiving knowledge and collaborate with professional institutions was highlighted to ensure seniors receive continuous care and respect [8] Group 5 - The elderly care sector is not only vital for family happiness but also serves as a measure of social civilization and warmth, requiring policy guidance, industry innovation, and societal participation [10] - Chuanxuanmao is committed to deepening its elderly care services, enhancing service quality, and contributing to the high-quality development of China's elderly care industry [10]

Core Insights - The article emphasizes the increasing focus on "long-term certainty" in family asset allocation due to accelerated aging and upgraded quality of elderly care needs. The core product "Longevity Appointment" by Taikang has undergone multi-dimensional upgrades to provide a comprehensive support network for quality elderly care and health protection [1]. Group 1: Urban Version - In major cities like Beijing and Shanghai, the supply-demand imbalance for high-end elderly care communities is becoming more pronounced. To optimize resource allocation, the Taikang Longevity Appointment urban version (super-class) confirmation letter will be integrated into the standard version confirmation letter on April 9, 2025. Customers can currently choose a 240,000 standard insurance to secure admission rights before the age of 80 [2]. Group 2: Care Version - With the increase in average lifespan, the incidence of disability and dementia is rising significantly, while the shortage of professional care beds is expanding. Starting April 9, 2025, the threshold for the Taikang Longevity Appointment care version confirmation letter will increase from 100,000 to 120,000 standard insurance. During the current window period, customers can enjoy benefits such as guaranteed admission rights for care services with a 100,000 standard insurance policy [6]. Group 3: Educational and Family Planning - Rising educational expenses combined with increasing elderly care costs are prompting families to seek solutions that benefit multiple generations. The Taikang Longevity Appointment 520 youth version confirmation letter allows for group purchases starting from an annual payment of 50,000, with a focus on easing economic pressure and ensuring future security for three generations. The policy will be open for group purchases starting November 18, 2024, and survival benefits will support children's education planning while securing admission rights to high-end elderly care communities before the insured reaches 80 [9].