21世纪经济报道 记者郭聪聪 实习生涂盛青 11月28日，在"第四届保险养老融合与发展论坛(合肥站)"上，大家人寿总经理助理刘树杰分享大家人寿 在险养融合、互相促进发展方面的实践与探索。刘树杰表示，大家人寿围绕 "保险+养老" 的战略核心， 构建了 "险养互促" 的一体化解决方案，通过保险端与养老端的无缝衔接，真正将 "保险保障" 与 "养老 服务" 融为一体，让客户的养老规划更具确定性。 人口老龄化已经是中国式现代化进程中的重要课题。刘树杰强调，中国式养老的本质挑战集中体现 在"需求不确定、服务不确定、财富不确定"三大层面。 刘树杰表示，基于对'中国式养老'的理解和公司自身资源禀赋，大家人寿构建了'保险+养老'的生态经营 模式，实现保险产品保障、养老资金准备与养老服务供给的有效链接与深度融合，真正一站式满足客户 的品质养老需求。 据了解，大家人寿在保险端通过覆盖财富、健康、保障的全品类产品，为客户提供长期稳定回报，并实 现保单与养老社区权益的对接，做到"一份保单，双重安心"；在养老端，依托大家保险集团搭建的涵盖 医疗康护、营养膳食、康乐旅居等全场景养老服务体系，形成高品质服务矩阵。大家人寿真正将"保险 保障 ...

Group 1 - The forum focused on the challenges posed by China's aging population, low birth rates, and increased longevity, emphasizing the need for comprehensive and long-term reforms in the aging sector [1][3] - The macro-level discussion highlighted the necessity of adapting the relationship between population and economy through a new industry structure that is knowledge, technology, and capital-intensive to achieve high-quality economic development [3] - At the meso-level, the need for a multi-pillar and multi-level pension system was stressed, along with the innovation of an aging industry system that includes emerging sectors such as culture, education, health, finance, and livability to enhance the quality of life for the elderly [3] Group 2 - The micro-level perspective indicated that while the government is responsible for basic living standards for the elderly, individuals must take responsibility for their quality of life in old age through financial mechanisms and tools [3] - The proposed model for China's new pension insurance system involves a collaborative approach where the government ensures basic needs, enterprises provide supplementary support, families contribute to care, and individuals enhance their quality of life [3] - The forum underscored the potential for innovative market-oriented pension financial products, highlighting the significant opportunities for the integration of insurance and pension services in response to demographic changes [3][4]

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].