Core Insights - The "Fourth Insurance and Pension Integration and Development Forum" was successfully held in Hefei, focusing on addressing the real concerns of millions of Chinese families regarding pension issues and exploring the integration of insurance and pension solutions [1][4] - Yang Kuan, the head of Dajia Jiantou, shared insights on the "Urban Heart Pension" model, emphasizing its role in reshaping perceptions of elderly care and addressing the challenges of the silver economy [3][5] Urban Heart Pension Model - The "Urban Heart Pension" model emerged from a 2019 study by Dajia Insurance, highlighting the dual needs of the elderly for quality medical resources and emotional companionship [3] - This model focuses on creating a "new living space" for seniors in urban core areas, integrating medical proximity, family closeness, and community engagement [3] - The model has evolved from its initial concept to a comprehensive service capability, with the recent opening of the Dajia's Home Hefei Wutongli Urban Heart Community exemplifying this integration of urban culture and the "Urban Heart" concept [3] Development Trajectory - Since launching operations in Beijing in late 2019, Dajia's Home has established a strategic presence in 14 cities with 16 Urban Heart communities [3] - Notably, the average occupancy rate across six operational communities in cities like Beijing and Tianjin is nearly 90%, with specific communities achieving occupancy rates of 99% and 97% after five years of operation [3] Core Competencies - Dajia's Home is revitalizing state-owned assets like Qiyun Mountain Villa in Hefei, creating a dual benefit of pension services and urban renewal [5] - The company has developed a robust core competency system, including experience management, digital operations, and chain management, and has established a "Senior Experience Database" to enhance service precision [5] Contribution to Silver Economy - The silver economy is viewed as both an economic and social challenge, and Dajia's Home aims to innovate within the "Urban Heart Pension" model to enhance the quality of life for seniors [5] - The company seeks to contribute to the development of the silver economy by providing high-quality elderly care that fosters familial bonds and ensures a healthy, happy retirement for seniors [5]

21世纪经济报道 记者郭聪聪 实习生徐若萱 养老，既是关乎发展全局的"国之大者"，也是牵动千家万户的"民之关切"。 在"十五五"时期即将来临之际，大家保险集团与21世纪经济报道携手，于安徽合肥共同举办"第四届保 险养老融合与发展论坛(合肥站)"。 同时，大家保险联合尼尔森IQ发布了《中国城市商业养老白皮书2026》（以下简称《白皮书》），不 仅揭示了"中国式养老"面临的三大不确定性，还首创"三维九问"诊断模型，为中国家庭提供一份寻 找"确定性"养老方案的行动指南。 养老问题关乎国家发展全局，"十四五"时期，我国已经积极把应对人口的老龄化上升为国家战略。 "'十五五'时期，我国人口老龄化程度将继续加深。"大家保险集团党委副书记、总经理孙先亮在致辞中 指出，大家保险作为国有金融机构，高度关注中国式养老课题，自成立之初就选择了以服务型养老作为 战略突破口，坚定不移地推进战略落地。 他指出，家庭养老需求正在从基本的生活照料向品质服务提升，养老责任也从家庭单一主体向社会多元 化协同转变，保险公司也要从单一的保障供给向综合服务拓展，保险与养老融合发展正在成为应对中国 式养老的重要模式。 南开大学经济学院教授、博导，南开大 ...

Core Viewpoint - The aging population in China presents both a national strategic focus and market opportunities, with Dajia Insurance actively responding by developing a "City Heart Elderly Care" model tailored to China's unique circumstances, contributing valuable insights for the development of the silver economy [1][2]. Group 1: Industry Context - By 2024, the population aged 60 and above in China is projected to reach 310.31 million, accounting for 22.0% of the total population, highlighting the urgent need for a new elderly care service ecosystem due to urbanization and changing family structures [2]. - Traditional cultural values and emotional ties to home create reluctance among the elderly to leave their long-term residences, necessitating a balance between quality medical resources and the emotional significance of "home" [2]. Group 2: Dajia Insurance's Initiatives - Dajia Insurance has established a unique elderly care ecosystem, with 16 "City Heart" communities across 14 cities, serving over 60,000 local clients and 270,000 traveling clients, and accumulating long-term premium scale exceeding 300 billion yuan [1][3]. - The "City Heart" concept aims to provide proximity to medical facilities and family, addressing the isolation of traditional elderly care communities while ensuring professional care and emotional support [3]. Group 3: Service Model and Competitive Advantage - Dajia Insurance has developed a "City Heart Elderly Care Core Competitiveness System 1.0," which includes a three-tiered service model encompassing service, value, and security layers, further divided into 12 modules [4]. - The service layer includes six key service systems: medical, rehabilitation, nursing, wellness, diet, and housing, ensuring comprehensive support for daily living and specialized care [4]. - The value layer focuses on project renovation, integrated marketing, and operational management to create differentiated competitive advantages [4]. Group 4: Integration of Insurance and Elderly Care - The elderly care ecosystem serves as a crucial link between insurance products and tangible services, transforming abstract insurance promises into visible daily care [6]. - By leveraging elderly care communities, Dajia Insurance enhances its marketing strategies and deepens customer engagement, leading to a 26% year-on-year increase in new individual insurance premiums [7]. Group 5: Future Directions - Dajia Insurance plans to continue aligning with national strategies, enhancing its elderly care initiatives, and developing integrated solutions that combine insurance products with elderly and health services [8].

Core Insights - The eighth China Elderly Care Industry Lujiazui Summit was held in Shanghai, highlighting the systemic changes in consumption patterns, industrial layout, and social security systems as China accelerates into a deeply aging society [1] - There is a significant shortage of high-quality elderly care services in China, and the lack of mature models for reference poses challenges for the industry [1] - Insurance companies are seen as crucial players in transforming elderly care demand into industrial upgrading, leveraging their long-term capital advantages [1] Group 1 - The "City Heart Elderly Care" model by Dajia Insurance was introduced to address the real needs and pain points of Chinese families regarding elderly care [1] - The Shanghai Jing'an City Heart Community, the first of its kind by Dajia Insurance, is set to open at the end of September [1] - The community features various age-friendly designs, including memory boxes for dementia care, smart nursing beds, and a fully integrated smart home system [5] Group 2 - The concept of "New Main Stage of Life" was proposed, emphasizing that elderly individuals seek to continue vibrant lives in familiar environments rather than merely being cared for [10] - Dajia Insurance announced the launch of the "City Heart Elderly Care Ecological Alliance," aimed at building a comprehensive platform for resource integration, technology sharing, market expansion, and brand co-construction [10] - Collaboration with quality supply chain partners and smart innovation partners is expected to enhance the quality of "City Heart Elderly Care" products and services, as well as accelerate the development and application of elderly care technology [10]

Core Viewpoint - The article highlights the urgent need for a comprehensive solution to the challenges posed by China's aging population and declining birth rates, emphasizing the importance of a new ecological framework for elder care that is policy-driven, service-oriented, and multi-faceted [1][4]. Population Structure Changes - China's population structure is undergoing a historic shift, transitioning from positive to negative growth in 2022, marking a significant demographic change [2]. - The "second elderly wave" is expected to see 330 million people aged 60 and above enter this demographic between 2022 and 2036, which is 2.32 times larger than the first elderly wave [2]. - By 2065, the proportion of individuals aged 80 and above is projected to exceed that of those aged 60-69 for the first time, indicating a deepening aging trend [2]. Dual Pressure on Younger Generations - The younger generations (those born in the 70s, 80s, and 90s) face a dual pressure of preparing for their own retirement while also caring for aging parents, leading to increased anxiety about elder care [3]. - Societal challenges include ensuring the sustainability of social security systems and addressing the inadequacies in socialized elder care services [3]. Chinese Elder Care Pathways - The Chinese government is working to establish a unique elder care service system characterized by home-based care, community support, and professional institutional backing [4]. - A three-tiered service network is proposed, focusing on county-level resource coordination, professional care at town levels, and basic services at village levels to ensure comprehensive coverage [4]. - The "15-minute elder care service circle" aims to provide accessible services within urban communities, enhancing convenience for the elderly [4]. Technological Integration and Resource Optimization - The integration of smart technology is crucial for improving service precision and efficiency, including real-time health monitoring systems for the elderly [4]. - A cloud platform is suggested to optimize the matching of elder care resources, ensuring timely service responses and efficient resource allocation [4]. Multi-Stakeholder Engagement - Encouraging diverse participation from social capital through tax incentives and operational subsidies is essential for expanding the scale of professional elder care services [5]. - The establishment of a national elderly capability assessment system and legislative improvements in service standards are necessary to stabilize retirement expectations for younger generations [5]. - The "urban core elder care" model is identified as a key pathway to alleviate elder care anxiety, promoting urban-rural integration for high-quality elder care services [5].

Core Viewpoint - The focus of the discussion is on the development of a new model for elderly care in China, emphasizing the importance of catering to the needs of the aging population, particularly those with declining self-care abilities and cognitive impairments [1][2] Group 1: Elderly Care Community Focus - The elderly care community should prioritize services for seniors with genuine needs, particularly those who are older and require care or have cognitive issues [1] - The average age of residents in the community is reported to be 83-84 years, with many born in the 1930s to 1940s, indicating a significant demand for external support and care [1] Group 2: Community Planning and Environment - The goal of the community is to create a "home" for the elderly, providing not only daily living and dining needs but also spaces for gatherings and family activities to foster a sense of belonging [1] - Activities such as family reunions and celebrations are organized to enhance the emotional well-being of residents, allowing them to feel connected even when their children live far away [1] Group 3: Integration with Medical Services - The community has integrated deeply with medical institutions, exemplified by the introduction of inpatient beds from Xuanwu Hospital, allowing residents to receive hospital services within the community [2] - This model aims to enhance the comprehensive service capabilities of the elderly care community, ensuring seamless access to 24/7 life care and medical support [2]

Core Insights - The report by Shanghai Consulting Group certifies "Dajia's Home," a professional elderly care brand under Dajia Insurance, as the "Pioneer of Urban Elderly Care" in China, marking the first authoritative third-party certification in the country's elderly care industry [1][5] Group 1: Urban Elderly Care Model - Dajia Insurance introduced the "Urban Elderly Care" model in 2019, focusing on properties located in urban core areas near medical resources, enhancing convenience, professionalism, and humanistic care [5] - "Dajia's Home" has established 16 urban elderly care communities in 14 major cities, all within 3 kilometers of top-tier hospitals, ensuring immediate access to medical resources and proximity for family visits [5] Group 2: Future Developments - In 2024, "Dajia's Home" will launch Urban Elderly Care 2.0, focusing on three core dimensions: integrating community architecture with urban renewal, upgrading services from standardization to customization, and merging financial insurance with elderly care services [5] Group 3: Service System and Innovation - The service system of "Dajia's Home" is built around six modules: medical care, nursing, rehabilitation, recreation, diet, and housing, drawing from international standards like Canada's RC community operation model and Japan's MCS [6] - The introduction of the "Elderly Care Space Laboratory" allows for continuous iteration of elderly-friendly product designs, enhancing safety and livability for seniors [6] Group 4: Smart Operations - The first customer experience management system in the industry segments elderly care into four journeys and 39 service scenarios, with 179 detailed indicators and 611 senior tags for personalized service [6] - Over 2,000 IoT devices, including smart mattresses and alert systems, are integrated to monitor seniors' health in real-time, ensuring timely responses and safety [6] Group 5: Research and Recognition - Since 2021, Dajia Insurance has conducted a nationwide survey on urban family elderly care services, analyzing pain points and guiding product development, leading to the formulation of theories and models that address the core demands of Chinese elderly care [7] - The "Urban Elderly Care" service has received multiple awards, including the "People's Artisan Service Award" and various accolades for community design, highlighting its leading position and brand strength in the sector [7] Group 6: Industry Impact - The "Urban Elderly Care" model is reshaping the elderly care landscape in urban China, promoting a future that is smarter and more compassionate, transforming "aging" into a dignified and quality "enjoyment of life" [7]

Core Insights - The Tianjin Tai'an Dao Community has achieved a 96% occupancy rate within its first year of operation, indicating strong demand for its services [1] - The community is part of the Dajia Insurance Group's urban elderly care initiative, strategically located in Tianjin's core area with access to three hospitals within a 1-kilometer radius [1] - The community's development reflects the broader growth of elderly care services in Tianjin, supported by local government initiatives aimed at enhancing financial assistance for the elderly [1][2] Company and Industry Summary - Dajia Insurance has introduced the "Urban Heart Medical Care" model, which focuses on providing comprehensive care services that address the physiological, psychological, and social needs of the elderly [2] - The model emphasizes the importance of location, selecting properties near medical resources and with good transportation, thereby enhancing the quality of life for residents [2] - The successful registration of the "Urban Heart Elderly Care" trademark and the "Dajia's Home" brand is expected to facilitate the professional and chain operation of elderly care services [2] - Currently, Dajia Insurance's urban elderly care communities cover 14 major cities, with six operational communities reporting an occupancy rate exceeding 80%, and specific communities in Beijing and Tianjin achieving over 90% [3]

Core Viewpoint - The Tianjin Tai'an Dao City Heart Community, under the theme "One Year, One Gift, You in the City Heart," celebrates its first anniversary, showcasing its role in enhancing elderly care services and promoting the sustainable development of the "silver economy" through innovative practices in collaboration with government, enterprises, and society [2][10]. Group 1: Community Development - The community serves as a "second home" for the elderly in the Heping District, contributing to the enhancement of elderly care services and exemplifying the successful involvement of social forces in this sector [4]. - The community has achieved full occupancy within 10 months of opening, demonstrating the attractiveness of its model and the integration of medical and elderly care services [6]. Group 2: Financial Integration - The community is part of the "Financial Assistance for the Elderly" initiative, aiming to create a replicable experience for integrating financial services with elderly care [4]. - The insurance sector plays a crucial role in supporting elderly care through stable funding and optimizing service offerings, fostering a positive cycle between service and business [8]. Group 3: Innovative Practices - The community has developed a unique "Tianjin experience" by combining high-quality elderly care with local cultural elements, becoming a benchmark for medical and elderly care integration [10]. - Future plans include deepening the "City Heart Elderly Care" model and exploring new paths for elderly care that can be replicated and promoted across the country [10].