马蹄声近，春韵渐浓，团圆序章悄然开启。今年新春，不只是阖家欢聚，更藏着一代人对生活的新注解 ——"爱你老己"，这句暖心热词正唤醒无数人对自我、对家人的温柔关照，既懂得在当下珍惜灯火可亲 的团圆，也不忘为岁月绵长做好长久规划。在这个兼具温情与期许的节日里，泰康以"尊重生命、关爱 生命、礼赞生命"为初心，依托新寿险战略深耕布局，用幸福有约全系列产品，将一时的新春暖意与"爱 你老己"的初心，化作跨越岁月的家庭守护，让每一份关爱都有迹可循，每一份规划都掷地有声。 新寿险战略的温度渗透家庭生活，掌握"爱你老己"生活智慧 长寿时代，泰康坚定深耕"新寿险"之路，以"支付+服务+投资"三端协同为核心驱动力，锚定高质量发展 方向，主动对接国家"十五五"规划，助力金融强国建设。幸福有约作为这一战略的核心落地与践行载 体，不仅让新寿险的发展理念落地生根，更以温暖具象的服务，成为泰康对"爱你老己"理念最有力的回 应，让战略兼具专业格局与情感温度。 幸福有约打破了传统保险的单一边界，跳出单纯风险保障的局限，深度整合全链路资源，构建起"医养 康宁"全生态闭环，将金融服务与民生需求深度绑定。历经十余载迭代升级，已蜕变成为覆盖家庭全生 命周 ...

Core Viewpoint - The "14th Five-Year Plan" period is crucial for the reform and return to the essence of China's life insurance industry, with Taikang Life focusing on a new life insurance model that integrates payment, service, and investment to achieve dual growth in operational scale and development quality [1] Group 1: Medical and Elderly Care Integration - Taikang has initiated a comprehensive layout in the medical and elderly care sectors to address the national strategy of population aging, integrating virtual insurance with physical "medical and elderly care" services to create a full lifecycle service system [2] - The Taikang Home elderly community has established 47 projects across 37 cities, housing over 20,000 residents with a planned total of more than 57,000 beds, focusing on a holistic approach to elder care [2] - Five major medical centers, including Xianlin Gulou Hospital and Tongji (Wuhan) Hospital, are operational, providing over 5,000 medical beds and enhancing the integration of health management and rehabilitation services for the elderly [3] Group 2: Product System Innovation - Taikang has developed a product system centered around "Happiness Agreement," covering four major areas: longevity, health, wealth, and benevolence, with a cumulative sales target of over 300,000 policies by the end of 2025 [4] - The "Double Agreement" solution addresses both pension and health needs, linking annuity insurance with elderly community confirmations to enhance service delivery [4] - Taikang actively participates in the third pillar of pension construction, with 20 products included in the individual pension insurance directory, serving over 51,000 personal pension clients by the end of 2024 [4] Group 3: Service Ecosystem and Professional Team Development - Taikang has introduced the Health Wealth Planner (HWP) role to create a professional service team, aiming to exceed 1,000 high-educated talents by 2025 [5] - The HWP team provides comprehensive services covering medical health, quality elderly care, and financial planning, ensuring a one-stop solution for clients [5] - The company emphasizes integrity in operations and has implemented standardized management of sales behaviors to protect consumer rights [5] Group 4: Inclusive Finance and Social Responsibility - During the "14th Five-Year Plan," Taikang has made significant strides in inclusive finance and social security, covering 9.04 million people with comprehensive insurance plans and paying out over 1.5 billion yuan [7] - The company has participated in long-term care insurance pilot programs, serving over 78.2 million people and providing claims exceeding 1.55 billion yuan [7] - Taikang's total assets exceeded 1.9 trillion yuan by August 2025, with a compound annual growth rate of 16.9% in assets and 26.9% in net assets, demonstrating strong operational resilience [7] Group 5: Future Outlook - Taikang will continue to implement the central financial work conference spirit, deepen the medical and health ecosystem layout, and contribute to the construction of a financial power and modernization in China [8]

Core Insights - The article emphasizes the importance of integrating insurance with elderly care services in response to the growing aging population in China, highlighting the innovative approach of the company in this sector [1][5][16] Group 1: Insurance and Elderly Care Integration - The company has pioneered the "Happiness Appointment" product since 2012, which combines life insurance payments with elderly care services, setting a new standard in the industry [1][5] - The "Happiness Appointment" policy includes two main products: "Longevity Appointment" and "Health Appointment," effectively linking insurance payments with real-world elderly care services [7][8] - The company has established a network of high-quality elderly care communities across 37 cities, aiming to provide accessible and quality elderly care services [8] Group 2: Philanthropic Initiatives - The "Happiness Overflow Public Welfare Policy Plan" was launched, where 300 yuan is donated to the charity for every "Happiness Appointment" policy sold, supporting various aspects of elderly care [1][9][12] - The company has trained 138,000 elderly care professionals through the "Overflow Training" initiative, addressing the need for a skilled workforce in the elderly care sector [11] - The company has supported 448 elderly care institutions and donated 35,000 pieces of rehabilitation equipment, enhancing the quality of care provided [12][14] Group 3: Market Position and Future Outlook - The company is positioned as a leader in the integration of insurance and elderly care, responding to the increasing demand for sustainable funding and quality services in the aging population [5][9] - The innovative model of combining insurance with public welfare is seen as a way to enhance the overall development of the elderly care industry [9][14] - The company's commitment to a "commercial benevolence" philosophy reflects its dedication to social responsibility and the well-being of the elderly [16]

Core Insights - The article highlights the innovative approach of Taikang Life in developing a new life insurance model that integrates payment, service, and investment to address the growing focus on pension finance amid an aging population [2][6] Group 1: Business Model and Strategy - Taikang Life has established a new life insurance model that emphasizes the integration of medical and elderly care services, creating a seamless service system throughout the entire life cycle [2][3] - The company has achieved a compound annual growth rate of over 10% in premiums over the past decade, indicating stable and rapid growth compared to its peers [3] - In 2024, Taikang Life reported a revenue of 271.1 billion yuan, a year-on-year increase of 15.3%, with insurance business income reaching 228.3 billion yuan, up 12.4% [3] Group 2: Product Innovation - The "Happiness Appointment" product has evolved over ten years into a comprehensive system that meets the pension and health wealth management needs of clients across their entire life cycle [4] - The dual solution of "Longevity Appointment + Health Appointment" combines annuity insurance with community living confirmations to create sustainable cash flow for retirement planning [4] Group 3: Market Position and Future Outlook - Taikang Life is actively participating in national pension policies, with 20 insurance products included in the personal pension insurance product catalog, serving over 51,000 personal pension clients [5] - The company aims to build a high-quality team of Health Wealth Planners (HWP) to enhance customer experience and service quality, with the HWP team exceeding 1,000 members, including many highly educated professionals [5][6] - The company is committed to deepening its focus on pension finance and expanding its product and service offerings to lead industry innovation [6]