2024年12月，个人养老金制度完成从36个先行试点城市到全国范围的推广，至此已全面实施满一周年。 《2025中国养老金金融白皮书》数据显示，截至三季度末，全国个人养老金开户人数已突破1.5亿，较 试点阶段实现翻倍增长。这一年，我国养老保险体系"第三支柱"正稳步实现从"开户热"到"缴存兴"的转 型，也折射出大众从"被动等待养老"到"主动规划未来"的观念蜕变。 织密老龄保险保障网 做好老年风险"守护者" 国家统计局数据显示，截至2024年底，我国60周岁及以上老年人口达3.1亿，占全国总人口的22%。随 着年龄增长，老年群体身体机能有所下降，风险保障需求逐步提升。老龄化浪潮之下，"意外防 护"与"疾病保障"已成为社会迫切的民生需求。 今年年初，家住山东济宁的刘阿姨在植树节活动中摔了一跤，没想到这一摔就造成了右肱骨骨折，钢钉 打了10多根。医保报销后，她还需自费承担近15000元。对于以务农为主要收入来源的刘阿姨一家来 说，这不是笔小钱。 作为寿险行业领军者，中国人寿保险股份有限公司（以下简称"中国人寿"，股票代码：601628.SH， 2628.HK）紧扣积极应对人口老龄化国家战略，以个人养老金业务为核心抓手， ...

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].