随着人口老龄化程度加深，"老有所养"不仅是每个家庭的刚需，更是关乎民生福祉的时代考题。如何让 养老钱袋子更鼓、让照护服务更优？中国人寿（601628）给出了一份综合金融解决方案。 充实养老钱袋子 养老金储备是否充分，事关居民养老刚需。如何充实居民养老的钱袋子？中国人寿给出的答案是"一增 一减"。 "增"即通过专业投资，丰盈养老资金储备。中国人寿充分发挥保险、投资、银行三大业务板块协同发展 的综合金融优势，全面布局养老保险三支柱。 在国寿嘉园·苏州雅境，86岁的袁爷爷突感身体不适，随即昏迷跌倒。康养管家第一时间发现情况，立 即联系社区医护人员并拨打120。现场人员迅速分为两组，一组协助转运、陪同送医，与赶往医院的家 属会合；另一组留在社区，整理房间，为袁爷爷准备舒适的休养环境。苏醒后的袁爷爷感慨道："工作 人员的关怀就像亲人一样。" 另据了解，国寿嘉园城郊CCRC养老社区已在北京、天津、成都、厦门等城市布局，依托所在城市区域 特征打造各具特色，能够覆盖自理、半自理、护理、失能失智人群的全龄养老需求；城心精品养老公寓 以服务需要护理的长者人群为主，已在青岛、石家庄、杭州、昆明、深圳等城市布局。 助力"夕阳事业"变 ...

Core Viewpoint - The insurance industry is increasingly focusing on the silver economy, with various companies launching products and services tailored to the needs of the elderly population, which is projected to grow significantly in the coming years [1][3][8]. Product Development - Insurance companies are introducing differentiated products to address the health and care needs of the elderly, including medical, nursing, and disability coverage [1]. - China Life Insurance has launched several exclusive insurance products for seniors, covering over 1.02 million elderly individuals in Gansu, with total claims exceeding 11.5 million [2]. - The personal pension system is being promoted to enhance the multi-tiered pension insurance framework, with Shanghai as a pilot city for personal pension initiatives [2]. Market Trends - The long-term development prospects for life and health insurance are expected to benefit from demographic changes, with premium growth anticipated to outpace GDP growth over the next decade [3]. - The elderly population is increasingly seeking personalized and diversified retirement solutions, prompting the industry to optimize supply and develop integrated service systems [4]. Service Models - China Ping An has established a comprehensive home care service network, covering 75 cities and providing services to over 160,000 clients [5]. - The "City Heart Pension" model focuses on urban areas with access to medical resources and community support, with companies like China Pacific Insurance expanding their community-based services [9]. Community Development - Major insurance companies are actively building retirement communities, creating a full-cycle, multi-tiered service system that integrates insurance, health, and elderly care [8][10]. - By the end of 2024, over 85,000 medical and elderly care institutions are expected to have signed cooperation agreements, with more than 8,400 integrated care institutions established [11].