11月20日，2025年金融机构年会暨2025中国保险业资产负债管理年会在深圳召开，会上揭晓了由证券时报社主办，备受业界瞩目的第九届中国保险业方舟奖评选结 果，工银安盛人寿凭借"养老生态建设项目"，成功蝉联"2025保险业养老金融实践方舟奖"。 "方舟奖"评选活动是财经媒体中影响力最大、最具口碑的评选之一，本届评选注重高质量发展、服务实体经济等维度，关注行业在金融"五篇大文章"的实践，旨在 表彰全行业机构在提升专业能力、彰显保险价值上的卓越努力与显著进步。工银安盛人寿的再次获奖，是对其在养老金融领域深耕细作与创新突破的高度认可。 近年来，工银安盛人寿深入贯彻党中央、国务院关于加强新时代老龄工作部署，深耕"五篇大文章"养老金融领域，致力于打造以支付为核心，覆盖客户全生命周期 的"保险+"养老综合服务新生态。 聚焦刚需，多元产品矩阵支撑养老保障：工银安盛聚焦养老刚需市场，发力产品供给侧的创新研究，持续丰富商保年金产品矩阵，形成覆盖养老年金保险、两全保 险、分红型年金保险、专属商业养老保险的多元产品体系，满足差异化养老保障需求。同时开发上市孝行保防癌医疗保险、盛安康25B款长期护理保险等适老健康 保障类产品新品类， ...

Core Viewpoint - The future of home-based elderly care services in China is expected to become a competitive market similar to the elder care community sector five years ago, but it currently faces three major bottlenecks: unclear profit models, insufficient care services, and the need for industry standards [1][3][5]. Market Overview - As of 2024, the population aged 60 and above in China is projected to reach 310 million, accounting for 22% of the total population, with those aged 65 and above reaching 220 million, or 15.6% [4]. - The current elderly care system in China follows a "9073" model, where 90% of elderly care is home-based, yet less than 1% of the elderly reside in care institutions [2]. Industry Trends - The demand for home-based elderly care is increasing due to the aging population, with a significant shift towards community and home care services [3][5]. - Insurance companies are increasingly entering the home-based elderly care market, adopting a light-asset model to avoid the heavy competition in elder care communities [2][5]. Government Support - The Chinese government has issued multiple policies to promote the development of home-based elderly care services, emphasizing community support and the enhancement of care for disabled elderly individuals [2][5]. Insurance Companies' Strategies - Over 20 insurance companies, including China Ping An and China Taiping, are actively exploring home-based elderly care services, utilizing models such as "insurance + service" and long-term care insurance [2][5][6]. - China Ping An launched its home-based elderly care service brand "Ping An Butler" in September 2022, covering over 85 cities and serving more than 190,000 clients by the end of 2024 [6]. Challenges in the Sector - The home-based elderly care sector faces significant challenges, including a shortage of qualified caregivers, with a reported gap of 5.5 million caregivers needed [17]. - The lack of standardized services and quality control in home care presents difficulties in meeting diverse elderly needs [18][19]. Future Outlook - The home-based elderly care market is expected to experience explosive growth, with projections indicating that the market could exceed 50 billion yuan by 2026, and the overall commercial elderly care market could surpass 200 billion yuan [8]. - Insurance companies are anticipated to integrate home-based elderly care services into their sales systems, driven by the increasing demand for such services [16].