本报记者 刘晓一 冬日午后，位于广州天河的椿萱茂老年公寓里，传来阵阵欢声笑语。香港人黎叔与多位内地长者围坐一堂，品茶听曲，言 谈间尽是熟悉的乡音。黎叔向《证券日报》记者表示，选择在这里养老，不仅是选择一处住所、一项服务，更是选择"离家不 离乡"的归属感。 在粤港澳大湾区（以下简称"大湾区"）加速融合的背景下，越来越多的港澳长者像黎叔一样选择"北上养老"，寻找更舒适 的银发生活。 早在2023年，广东省民政厅与香港特区政府劳工及福利局签署《关于共同推进粤港两地养老合作的备忘录》《有关扩 展"广东院舍照顾服务计划"合作意向书》（以下简称"广东院舍计划"），共同探索大湾区跨境养老路径。截至今年8月底，参 加该计划的入住香港长者已达657人。 政策打通跨境养老路径，温度则藏在日常的细节里。当前，港澳长者"北上养老"的真实体验如何？医保跨境结算、养老补 贴的使用是否畅通？行业还存在哪些不为人知的"痛点"？带着上述问题，近日，《证券日报》记者深入采访行业专家、企业代 表和港澳长者，看跨境养老的政策蓝图如何落到实处。 多元聚力 跨境养老生态成型 在广州天河椿萱茂老年公寓的活动区，香港长者陈伯正在宽大的胡桃木书桌前练笔，这位 ...

Core Viewpoint - The trend of Hong Kong residents moving to mainland China for retirement is experiencing significant growth, driven by the expansion of the "Guangdong Residential Care Service Plan" and the increasing demand for cross-border elderly care services [1][2]. Group 1: Current Trends - As of 2024, nearly 100,000 Hong Kong seniors aged 65 and above have settled in Guangdong, marking a growth of over 40% in the past decade [1][4]. - The Hong Kong government has introduced new policies to facilitate this trend, including financial support for seniors participating in the "Yue She Trial Program" [2]. Group 2: Reasons for Choosing Cross-Border Retirement - Many Hong Kong seniors are opting for cross-border retirement due to the long waiting times for local care facilities, which can exceed six months to a year, compared to a one-month approval period in Guangdong [4][8]. - The cost of living in mainland retirement homes is significantly lower, with couples in Shenzhen spending approximately 20,000 HKD per month, compared to 50,000 HKD in Hong Kong [8]. Group 3: Challenges Faced - Despite the growing trend, there are challenges such as differences in medical systems and service standards between Hong Kong and mainland China, which can affect the experience of elderly residents [2][10]. - Cross-border medical issues remain a significant pain point, as Hong Kong seniors lack access to mainland health insurance and face complications in emergency medical situations [10][13]. Group 4: Cultural and Service Adaptations - Cultural differences, including dietary preferences and language barriers, also impact the satisfaction of Hong Kong seniors in mainland facilities [14]. - The demand for services that cater to Hong Kong seniors' specific needs, such as Cantonese-speaking staff and familiar food options, is crucial for the success of cross-border retirement homes [14]. Group 5: Future Outlook - The aging population in Hong Kong is projected to increase, with estimates suggesting that by 2050, one in three residents will be elderly, further driving the demand for cross-border retirement options [14]. - The coverage of retirement services in the Greater Bay Area is expected to expand, accommodating the growing number of Hong Kong seniors seeking retirement in mainland cities [14].

Core Insights - The Hong Kong government has expanded the "Elderly Health Care Voucher Pilot Scheme" to include three additional public hospitals in the Greater Bay Area, enhancing access for elderly residents from Hong Kong to medical services in mainland China [1][2] - The pilot scheme has seen a tenfold increase in service points within two years, now covering nine cities in the Greater Bay Area, reflecting significant policy innovation and cross-border medical cooperation [2] - The rising demand for medical services in mainland China is attributed to long waiting times in Hong Kong's public hospitals and high costs in private facilities, prompting many residents to seek treatment across the border [2][3] Summary by Sections Expansion of the Pilot Scheme - The pilot scheme now includes nine cities in the Greater Bay Area, making it easier for over 1.78 million eligible Hong Kong seniors to access medical services [1] - The scheme allows seniors to use their vouchers at designated outpatient services in 21 locations, with a focus on transparency and reduced waiting times [1] Medical Service Demand - The demand for medical services in mainland China has surged due to long waiting times in Hong Kong, with acute cases requiring 3-4 weeks, sub-acute cases 8 weeks to several months, and chronic cases averaging 8 months to over a year [2] - The disparity in medical costs is significant, with procedures in Shenzhen being substantially cheaper than in Hong Kong, such as tooth extraction costing between RMB 200-2000 compared to over HKD 4000 in Hong Kong [3] Quality of Services - Mainland hospitals have improved their facilities and service levels, attracting more Hong Kong patients, with efforts to provide Cantonese-speaking guides and better transportation services [3] - The Hong Kong government emphasizes that the pilot scheme aims to provide more choices for seniors without shifting the responsibility of healthcare from Hong Kong to mainland systems [3][4] Future Cooperation - The Hong Kong government will continue to monitor and evaluate the effectiveness of the pilot scheme, aiming for mutual benefits and cooperation in healthcare with different cities in the country [4]

Core Points - The Hong Kong government has expanded the "Elderly Medical Voucher Scheme" to include three additional public hospitals in Shenzhen, increasing the total number of eligible medical institutions to six [1] - The scheme, initially launched in 2009 for seniors aged 70 and above, was revised in 2017 to include those aged 65 and above, and the Greater Bay Area pilot program will officially start in February 2024 [1] - The newly added hospitals, Southern Medical University Shenzhen Hospital and Peking University Shenzhen Hospital, are both Class A comprehensive hospitals and designated institutions under the "Hong Kong-Macao Drug and Medical Device" initiative [1] Summary of Medical Institutions - The six medical institutions in Shenzhen where the elderly can use the medical vouchers include: - Hong Kong University Shenzhen Hospital and its Huawei Litchi Garden Community Health Service Center - Shenzhen New Wind and Harmony Family Hospital - Shenzhen Aikangjian Dental Hospital - Shenzhen Zijing Dental Clinic / Zhu Shengji Dental Clinic - Peking University Shenzhen Hospital - Southern Medical University Shenzhen Hospital [2]

Core Viewpoint - The Hong Kong government is expanding the Elderly Medical Voucher Scheme to cover nine cities in the Greater Bay Area, enhancing cross-border healthcare services for residents [1][2]. Group 1: Elderly Medical Voucher Scheme - The Elderly Medical Voucher Scheme provides up to HKD 2,500 annually for residents aged 65 and above to use for private healthcare services, with expenditures projected to reach HKD 3.32 billion in the 2024/25 fiscal year and over HKD 4.2 billion in the current budget [2]. - The scheme has been operational in Shenzhen for ten years, and in just two years, it has achieved rapid expansion to cover nine cities in the Greater Bay Area [2][3]. Group 2: Cross-Border Healthcare Integration - The scheme facilitates cross-border medical record sharing, allowing Hong Kong seniors to carry their medical records to the mainland and vice versa, thereby improving healthcare quality and safety [2]. - Currently, three pilot hospitals are involved in the scheme: Peking University Shenzhen Hospital, Southern Medical University Shenzhen Hospital, and Zhaoqing First People's Hospital, enabling residents in the nine cities to utilize the vouchers [3]. Group 3: Future Expansion Plans - The Hong Kong health authorities plan to expand the voucher scheme gradually, with considerations for additional cities based on the needs of Hong Kong residents, particularly in areas where they may choose to retire, such as Fujian [4].

Core Viewpoint - The article discusses the increasing trend of elderly residents from Hong Kong moving to mainland China for retirement, driven by lower living costs and better housing options, while highlighting the challenges related to healthcare access and insurance coverage for these individuals [5][6][12]. Summary by Sections Elderly Migration Trends - The number of Hong Kong seniors aged 65 and above relocating to Guangdong province has surged by 40.5% over the past decade, with nearly 100,000 expected to settle there by mid-2024 [5]. - As of 2024, seniors aged 65 and above represent 23.9% of Hong Kong's population, with over 1.7 million elderly individuals [5]. Healthcare Concerns - Hong Kong's public healthcare system offers 100% reimbursement, which is not transferable to mainland China, raising concerns among seniors about medical access and costs [6][12]. - Key issues for potential migrants include the ability to access medical services, reimbursement policies, and the interoperability of medical records between Hong Kong and mainland China [6][12]. Cross-Border Healthcare Initiatives - Recent policies have been introduced to facilitate cross-border healthcare, including the addition of 12 pilot medical institutions in mainland China for Hong Kong seniors [6][7]. - Seniors can utilize a healthcare voucher worth 2,000 HKD annually, which can be used at designated hospitals in mainland China [7][8]. Market Potential - The article highlights the significant market potential for cross-border healthcare and retirement services, as many Hong Kong seniors are seeking affordable healthcare options in mainland China [12][15]. - The average monthly cost of nursing homes in Hong Kong exceeds 20,000 HKD, while similar facilities in mainland cities range from 1,500 to 10,000 RMB, making them more attractive [15][16]. Insurance Industry Response - Insurance companies are beginning to develop products tailored for the cross-border retirement market, with some firms seeking to combine insurance with retirement community services [17][18]. - Recent regulatory changes are expected to lower barriers for Hong Kong financial institutions to invest in mainland insurance companies, facilitating the development of cross-border insurance products [18][19]. Challenges and Opportunities - Despite the growing interest in cross-border retirement, many seniors remain hesitant due to concerns about healthcare access and the adequacy of insurance coverage [12][15]. - The article notes that while there is a market for high-end retirement communities, the current occupancy rates are low, indicating a need for better marketing and service offerings to attract Hong Kong seniors [20].

Group 1: Elderly Population Growth and Government Initiatives - The elderly population in Hong Kong aged 65 and above is projected to increase from 1.45 million in 2021 to 2.74 million by 2046, representing 36% of the total population [1] - The Hong Kong government is implementing a "home-based care" policy to provide long-term care services for frail elderly individuals, ensuring they receive appropriate care in the community or care homes [1] - A working group led by the Deputy Financial Secretary has developed a plan for "elderly-friendly building design," focusing on accessibility, flexible residential designs, enhancing elderly well-being, and facilitating the use of technology [1] Group 2: Healthcare System Reforms - The Hong Kong government is reforming the healthcare system with a focus on "prevention first, community-based" care, including a pilot program for chronic disease management that offers partial subsidies for screening services [2] - The voluntary health insurance scheme, launched in April 2019, guarantees renewal of coverage until age 100, providing peace of mind for middle-class elderly individuals seeking private healthcare [2] Group 3: Cross-Border Elderly Care and Medical Cooperation - The "Guangdong Residential Care Service Program" offers additional options for eligible Hong Kong elderly individuals, with 15 participating care homes in six Greater Bay Area cities [3] - The Hong Kong government is expanding the "Elderly Medical Voucher Pilot Program" to allow eligible seniors to use medical vouchers at 21 service points across nine cities in the Greater Bay Area [3] Group 4: Retirement Financial Planning - The Hong Kong government has introduced various retirement financial products, including annuity plans and reverse mortgage schemes, to help retirees convert assets into stable monthly income [4] - Reforms to the Mandatory Provident Fund (MPF) system aim to streamline administration and encourage employees to actively manage their retirement savings [4] Group 5: Silver Economy Initiatives - The Hong Kong government has established a working group to promote the silver economy, implementing 30 measures to enhance the quality of life for elderly consumers and stimulate economic activity [5][6] - Initiatives include promoting "silver consumption" and "silver quality assurance" to encourage the development of high-quality products and services for the elderly [6] Group 6: Innovation and Technology in Elderly Care - The Hong Kong government is encouraging public research centers to support R&D projects related to elderly technology, aiming to commercialize innovative solutions for elderly care [6] - The "Elderly and Rehabilitation Technology Application Fund" has been expanded to include suitable home-use elderly technology products for eligible care service units [6]