编者按：迎来爆发式增长。近日，21世纪经济报道与平安人寿联合发布《中国居家养老服务师职业发展报告（2025）》，详解 居家养老服务师作为养老服务需求下产生的新职业，其角色定位、发展挑战与广阔前景，在"9073"养老格局中的又能起到何种 关键作用？ 北京市朝阳区的杨明（化名）的父亲今年80多岁了，患有关节炎，行动略有不便，独住在自己家附近的一个小区里。 杨明日常工作繁忙，时常出差，自己无暇照护父亲。他想把父亲送进养老院，但父亲因为旧家难离不愿意去，只能同意父亲居 家养老。但对杨明来说，随着之而来的问题是：如何找到靠谱的照护者？老人独自在家磕着摔着怎么办？ 杨明遇到的照护难题并非个例，是众多家庭面临的现实困境。数据显示，截至2024年年末，我国60岁及以上老年人口总量已突 破3亿，其中九成老人选择并希望在家中度过晚年。近日，21世纪经济报道联合平安人寿发布了《中国居家养老服务师职业发展 报告（2025）》（以下简称《报告》）。《报告》分析了当前居家养老的需求、变革及产业态势，为破解养老难题提供了参 考。 居家养老成主流 "家庭+社区"协同需求凸显 从"能养老"到"养好老" 专业照护与适老化改造成关键 不过，在共识 ...

Core Insights - China Ping An's home care service system has been significantly upgraded, focusing on the core needs of the elderly in terms of health care, safety, and care services [1][4] - The "Ping An Housekeeper" service has expanded to cover 100 cities nationwide, with a growth rate exceeding 33% in 2025 alone, and nearly 240,000 clients have qualified for home care services [1][2] Group 1: Service Plans - The new service plans include "someone to manage illness, someone to assist with safety, and someone to protect enjoyment in old age," which are designed to meet the comprehensive needs of the elderly [1][4] - The service model integrates a doctor housekeeper, specialized expert teams, and case management teams to provide longevity management, chronic disease management, and medical consultation services [4] Group 2: Market Positioning - The domestic market for elderly care services is characterized by the "9073" model, where 90% of elderly individuals prefer home care, 7% rely on community support, and 3% reside in professional institutions [2] - Ping An Good Doctor has been implementing a "comprehensive finance + medical care and elderly care" strategy since 2022, focusing on providing a full-cycle elderly care solution [2][5] Group 3: Innovative Travel Care Model - The travel care model combines insurance, health care, and travel services, creating age-friendly travel products that cater to the needs of active seniors [5] - The travel service is designed to provide a slower-paced experience, allowing seniors to fully enjoy local culture and scenery while integrating medical care and travel services [5] Group 4: Industry Standards and Recognition - Over the past four years, Ping An has established six industry standards for home care services, enhancing the regulatory framework and improving the elderly care experience [7] - The home care service has received a five-star rating from the China Quality Certification Center (CQC), reflecting its commitment to high-quality service [7]

Core Insights - China Ping An's home care elderly service system has been upgraded, focusing on three core needs: medical health, safety, and care for the elderly [1][2] - The "Ping An Butler" service has expanded to cover 100 cities nationwide, with plans to add 25 more cities by 2025, achieving a growth rate of over 33% [1][2] Service Plans - The new service plans include "someone to manage illness, someone to assist with safety, and someone to protect enjoyment in old age" [1][2] - The company is developing a multi-modal elderly care service system that combines home care and travel care, addressing the needs of active seniors for remote home care [1][2] Standards and Recognition - Ping An has established six industry standards in the home care sector, including the "Home Care Remote Butler Service Guide" and "Basic Functional Requirements for Home Care Service Platforms" [1][2] - The China Quality Certification Center (CQC) has awarded Ping An's "Home Care Butler Service" a five-star rating [1][2]

Core Insights - China is advancing the "age-friendly" home modifications for the elderly, with over 3.1 billion people aged 60 and above expected by the end of 2024, and about 90% of them preferring to age at home [1][3] Group 1: Policy and Implementation - Since 2020, Shenyang has implemented home modifications for elderly individuals based on the principle of "willing to modify" and "one case per household," providing up to 3,000 yuan in subsidies for families with severely disabled elderly individuals [1][3] - Various regions, including Zhejiang and Guizhou, have introduced subsidies for purchasing age-friendly products, while Wuhan is exploring the construction of age-friendly residential buildings [3][5] Group 2: Service Expansion - Shenyang has completed over 10,000 home modifications for elderly individuals in need, with a significant focus on enhancing home care services such as bathing, mobility assistance, and medical accompaniment [3][5] - The city has provided services to over 1.9 million elderly individuals, accumulating 2.8 million hours of service, showcasing a robust support network for the elderly [3][5] Group 3: Future Directions - The Central Committee's 14th Five-Year Plan emphasizes optimizing basic elderly care services and improving urban-rural elderly care networks, indicating a strategic focus on enhancing the quality of life for the elderly [5] - Experts suggest that a collaborative effort among policies, markets, and society is essential to further improve the infrastructure and service levels for age-friendly modifications, ensuring dignified aging for more elderly individuals [5]

Core Viewpoint - The article explores the evolving concept of aging among the "DINK" (Double Income, No Kids) demographic in China, emphasizing their quest for dignity and independence in old age without traditional family structures [3][4][39]. Group 1: DINK Demographic and Aging Perspectives - The first generation of DINK couples in China is now entering retirement, leading to discussions about their aging experiences and inheritance issues on social media [4]. - Traditional beliefs about relying on children for old age support are being challenged, with younger generations adopting a more cautious approach to marriage and childbearing [6][24]. - Interviews with DINK couples reveal their motivations for not having children, often linked to a desire for independence and a rejection of traditional familial obligations [7][10][20]. Group 2: Financial and Social Considerations for Aging - DINK couples view aging as a systemic issue that relies on sufficient financial resources, healthcare systems, and social policies rather than solely on having children [25][30]. - The article highlights the importance of adequate retirement savings and access to quality healthcare as essential components for a dignified aging process [26][30]. - Shanghai's aging population statistics indicate that 37.6% of the city's registered residents will be over 60 by the end of 2024, underscoring the need for improved elder care facilities and services [28]. Group 3: Alternative Aging Solutions - The concept of "community-based aging" is discussed, where DINK couples may consider living arrangements that allow for mutual support among peers [37]. - High-end retirement communities in Shanghai are emerging, offering integrated living, medical, and social services, catering to the needs of DINK couples and others seeking quality elder care [31][30]. - The article notes that while community living is a growing trend, over 90% of the elderly population in China is still expected to age at home, highlighting the need for continued development of home care services [30].

Core Insights - China Ping An reported a significant increase in operational profit and net profit for the first three quarters of 2025, with operational profit reaching 116.264 billion yuan, a year-on-year growth of 7.2%, and net profit at 132.856 billion yuan, up 11.5% [1] Financial Performance - The operational profit for Q3 alone grew by 15.2%, while the net profit for the same quarter saw a substantial increase of 45.4% year-on-year [1] - As of September 30, the group's net assets attributable to shareholders reached 986.406 billion yuan, reflecting a 6.2% growth after dividends [1] Business Segments - The life and health insurance sectors showed strong performance, with new business value reaching 35.724 billion yuan, marking a 46.2% increase year-on-year [1] - The agent channel's new business value grew by 23.3%, while the per capita new business value increased by 29.9% [1] - The bancassurance channel experienced a remarkable growth of 170.9%, contributing 35.1% to the new business value of Ping An's life insurance [1] Product and Service Development - Ping An launched several upgraded wealth and pension products, including the "An Yi Zun Xiang" dividend annuity product and the new "e Sheng Bao" series of medical insurance products catering to various customer segments [2] - The company focused on enhancing capabilities in medical health, home care, and high-quality elderly care services, serving over 16 million customers in health management by the end of Q3 2025 [2] - Home care services have expanded to cover 85 cities nationwide, with nearly 240,000 customers qualifying for home care services [2] - The high-quality elderly care community projects have been established in five cities, with the Shanghai project "Jing'an 8" now operational and the Shenzhen project expected to begin trial operations by the end of the year [2]

Core Insights - Home-based elderly care remains the mainstream choice for seniors, and optimizing this service is crucial for public welfare [1][2] - The elderly population aged 60 and above in China has exceeded 310 million, projected to surpass 400 million by around 2035, indicating a growing demand for home-based care services [1] - The current elderly care service system is steadily advancing, with a focus on enhancing home and community-based services supported by institutional care and medical integration [1] Group 1: Current State of Home-based Elderly Care - Home-based elderly care services primarily focus on daily living assistance, with insufficient integration of medical care, despite a significant portion of seniors suffering from chronic diseases [2] - There are challenges in collaboration among medical, community, and elderly care institutions, leading to a lack of synergy in service delivery [2] - Issues such as an unbalanced talent structure, inadequate user payment capacity, and an imperfect evaluation system hinder the development of home-based elderly care services [2] Group 2: Policy and Infrastructure Support - High-quality development of home-based elderly care services requires supportive policies, including the use of local government bonds for infrastructure development and tax incentives for care institutions [2] - The establishment of a robust professional nursing workforce is essential, necessitating improvements in salary, career pathways, and a systematic skills certification framework to attract talent to the elderly care sector [2] Group 3: Innovative Service Models - Encouraging social participation in home-based elderly care through diverse service models, such as "community + property + elderly care" and "elderly dining services," is vital to meet the varied needs of seniors [3] - Leveraging technology to create community-based elderly care information platforms and developing "smart" elderly care scenarios can enhance service efficiency and quality [3] - Long-term care insurance, initiated in 2016, has benefited over 2.25 million disabled individuals, reducing their financial burden and improving their quality of life, highlighting the importance of sustainable funding and fairness in the system [3]

Core Insights - The article explores the realities of aging in America, focusing on the challenges faced by the elderly population, particularly in terms of financial stability and care options [4][5]. Group 1: Demographics and Wealth Distribution - By 2025, the elderly population over 60 will primarily consist of the Baby Boomer generation, which holds 50% of the wealth in the U.S. [7][17]. - The average 401(k) balance for those over 60 is approximately $250,000, equivalent to about 1.7 million RMB, which is significantly higher than the average pension accounts in the UK [17][18]. Group 2: Cost of Elder Care - The costs of elder care facilities in the U.S. are exorbitant, with independent living communities costing around $30,000 to $40,000 per year, assisted living facilities around $70,000, and nursing homes approximately $100,000 annually [22][27]. - A typical $250,000 pension may only last five to six years in a standard retirement community, and even less if chronic health issues arise [29][30]. Group 3: Caregiver Shortages and Challenges - There is a significant shortage of caregivers in the U.S., leading to a high caregiver-to-resident ratio, often as poor as 1:10, which affects the quality of care [30][33]. - The concept of "Aging in Place" emphasizes the ability to live independently at home, but many elderly individuals face challenges in affording necessary care services [43][50]. Group 4: Social Isolation and Community Engagement - Approximately one-third of Americans aged 65 and older live alone, contributing to feelings of loneliness and social isolation [52]. - Community programs and activities are essential for combating loneliness, with many elderly individuals participating in volunteer work and local clubs [54]. Group 5: Financial Assistance and Economic Challenges - Many elderly individuals face financial crises, with 20% of those over 60 having no assets and a median income of $18,000, which is below the Elder Index standard [61]. - Supplemental Security Income (SSI) is a common form of assistance for low-income seniors, with average monthly payments around $593.96 [62].

Core Insights - The meeting highlighted the development of the "5210N" industrial cluster in Binzhou, focusing on high-quality growth and the promotion of quality brands in Shandong [3] Group 1: Company Overview - Yuyue Group, represented by Liu Lianfei, is a comprehensive enterprise group driven by "home textiles" and "healthcare," with an asset scale of 16.5 billion [3] - Since its strategic transformation to the healthcare industry in 2017, Yuyue Group has built an integrated ecosystem focusing on home-based elderly care, recognized as a national model for smart health and elderly care [3] Group 2: Challenges in Home-Based Elderly Care - Liu Lianfei identified ten major challenges in home-based elderly care, including unsuitable housing for the elderly, difficulties in home care, and inadequate medical support [3] - Specific issues include the difficulty of accessing medical care, lack of appropriate elderly products, and challenges in maintaining nutrition and sleep for the elderly [3] Group 3: Solutions Offered by Yuyue Group - Yuyue Group has developed a comprehensive solution termed the "Home-Based Elderly Care Four-Piece Set," which includes: 1. **Elderly-Friendly Environment Renovation**: Free safety assessments and targeted modifications to homes to eliminate safety hazards [4] 2. **Home Delivery of Aids**: A platform for matching and renting medical aids like beds and wheelchairs to address issues of availability and waste [4] 3. **In-Home Medical Services**: A health management ecosystem that utilizes wearable devices for continuous monitoring of elderly patients, enabling proactive medical interventions [4] 4. **Home Care Training**: Professional caregivers provide services at home while also training family members and caregivers to enhance long-term care capabilities [4]

Core Insights - By the end of 2024, Beijing's elderly population is projected to exceed 5 million, reaching 5.14 million, which constitutes 23.5% of the resident population [1] - The elderly population in Beijing has shown a stable growth trend, increasing by 192,000 from 2023, with an average annual growth rate of 1% over the past five years [3] - The increasing elderly population is leading to diverse and complex care needs, necessitating a comprehensive response from government, society, and families [3] Population Characteristics - The elderly population in Beijing is characterized by a large absolute number, with 5.14 million elderly individuals [5] - A high proportion of elderly individuals reside in urban areas, indicating a concentration of elderly care needs in these regions [5] - There is a continuous increase in the number of elderly individuals with disabilities or cognitive impairments, posing significant challenges for the elderly care service system [5] Home Care Services - 99% of elderly individuals in Beijing prefer home care, highlighting the need for innovative community-based care models [7] - A three-tiered service system has been established to enhance home and community care services, including district-level guidance centers, multifunctional service complexes at the street level, and community service stations [7] - As of now, 105 district-level elderly service centers and over 1,500 community service stations have been established to meet the needs of elderly individuals [7] Services for the "Old Old" Population - The "Old Old" population, defined as those aged 80 and above, is a key demographic for elderly care services, with nearly 690,000 individuals in this category [9] - Three primary needs have been identified for this group: 1. Bedside care, with 33,000 home care beds established to provide professional services at home [9] 2. Meal assistance, with 2,666 meal service points set up to cover nearly 90% of urban and rural communities [9] 3. Medical care, with community health centers signing family doctor agreements to provide tailored services, including home visits for health assessments and guidance [9]