"这个职业，我能干到七八十岁，和我的客户一起慢慢变老"。 陈薇之，一名拥有20多年医疗领域背景的专业人士，海外留学归来后选择成为一名健康财富规划师 （HWP）。她的职业生涯转变，源于一个触动人心的观察："回国后，深圳还是像之前一样车水马龙， 但是那些在医院一起工作过的前辈，却已经满头白发。他们退休后该何去何从？" 截至2024年底，我国60岁及以上老年人口数量达到3.1亿。这不再是某个个体面临的思考，而是整 个时代的命题。陈薇之开始思考，长寿时代人们如何规划一个"有尊严的晚年"。 HWP将"保险顾问+医养顾问+理财顾问"融为一体，跨越保险、健康养老、财富管理三大领域。 我国寿险业正在经历从"数量驱动"转向"质量驱动"的转型。陈薇之说："HWP队伍正是在这一浪潮 下应运而生的新职业。通过专业的健康财富规划，将长寿时代的不确定性转化为可规划、可触摸的确定 性。" 在医院的工作经历，让陈薇之看尽生老病死，萌生了对生命价值的反思——我们总在应对"已发 生"，能否为"未发生"做点什么？当泰康HWP出现时，她毫不犹豫，决定"要从为人们救治当下，转向规 划未来"。 传统的保险代理人专注于风险保障方案的"传递者"，而长寿时代 ...

Core Viewpoint - The article discusses the evolution of elderly care from basic support to a more integrated approach that combines medical care and elderly services, addressing the pressing healthcare needs of the aging population [1]. Group 1: Medical and Elderly Care Integration - The establishment of "medical and elderly care integration" is exemplified by the proximity of TaiKang ZhiJia SuYuan and TaiKang XianLin GuLou Hospital, allowing elderly residents to access medical services without leaving the community [2]. - The community offers 24/7 medical services, with 70% to 80% of chronic disease consultations and initial pain treatments provided on-site, minimizing the need for external medical visits [2]. - A case study highlights the effectiveness of this integration, where a rapid response to a medical emergency resulted in a successful treatment within 20 minutes, showcasing the advantages of "zero-distance" collaboration between the community and hospital [3]. Group 2: Health Wealth Planners (HWP) - The emergence of Health Wealth Planners (HWP) represents a new elite workforce aimed at enhancing health management services, with over 22,000 professionals trained under this initiative by the end of 2024 [4]. - The HWP program integrates health management with financial planning, providing comprehensive solutions that address the diverse needs of the aging population [4]. - The training includes specialized education in medical knowledge and real-world healthcare processes, enabling HWPs to assist clients effectively in navigating healthcare services [6]. Group 3: Comprehensive Healthcare Ecosystem - TaiKang's strategy includes the establishment of a multi-layered healthcare ecosystem that integrates community and hospital services, aiming for seamless healthcare delivery [7]. - The company has invested 50 billion yuan in healthcare infrastructure, establishing a network of 280 facilities across 56 cities, which includes the first "medical education research and elderly care" integrated complex in Nanjing [8]. - The focus on elderly medicine as a strategic priority reflects the growing importance of healthcare resources in enhancing the quality of elderly care services [7].