如何在现代养老体系中安放这份独特的"家文化"，成为破解养老焦虑的关键。大家保险在探索中给出了 解决方案——"城心养老"模式。这一模式的核心是让长者不离熟悉的生活圈，维持原有的社会联结，在 繁华烟火中继续与时代同频。而"一碗汤的距离"意味着亲情随时可抵达的便利，也意味着两代人彼此尊 重、适度独立的相处智慧。 《中国城市商业养老白皮书2026》数据与调研表明，现代养老的核心已不仅是增加床位或提供服务，而 是在构建一种融合安全感、归属感与尊严感的全新生活方式——让长寿成为一个可规划的丰盈阶段， 让"家"的概念超越物理空间，在专业的服务支撑下拓展为更自在、更有温度的生命共同体。这一趋势背 后，是险养融合模式的系统逻辑：用金融工具稳健地规划未来，用专业服务温暖地支持当下。它不仅是 商业路径的创新，更是理念的持续实践，其本质始终围绕着"人"的需求与"家"的延续。 中国式养老的实践探索正在呈现多元化发展趋势。除了"城心养老"模式，各地还涌现出社区嵌入式养 老、互助养老、旅居养老等多种创新形式。这些探索虽然形式各异，但都贯穿着一个共同理念：在尊重 长者自主权的同时，维护家庭的情感联结。研究显示，那些注重代际互动、家庭联结的养 ...

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]

Core Insights - The eighth China Elderly Care Industry Lujiazui Summit was held in Shanghai, highlighting the urgent need for high-quality elderly care services in the context of China's aging society [1] - The "City Heart Elderly Care" model by Dajia Insurance aims to transform elderly care needs into industrial upgrading momentum, showcasing the strategic determination and innovative potential of insurance companies [1] - Dajia Insurance's first City Heart Elderly Care community in Shanghai is set to open at the end of September, featuring various age-friendly designs and smart home systems [1] Group 1 - The current elderly care service supply in China is insufficient, lacking mature models for reference [1] - The "City Heart Elderly Care" community emphasizes seamless integration of elderly care services with urban resources, allowing seniors to enjoy city life while receiving top-notch medical care [1] - The concept of "New Main Stage of Life" proposed by Dajia Insurance reflects the evolving needs of seniors who seek to continue vibrant lives in familiar environments [1] Group 2 - Dajia Insurance's elderly care brand "Dajia's Home" has launched the "City Heart Elderly Care Ecological Alliance" to build a comprehensive platform for resource integration, technology sharing, market expansion, and brand co-construction [2] - The alliance aims to ensure high-quality products and services through close cooperation with quality supply chain partners and accelerate the research and application of elderly care technology through collaboration with innovative partners [2]

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 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]