A Case Study Of TK "Insurance+ Medical And Pension Industry" Business Model

In recent years,due to the intensification of the international economic environment,the slowdown of China’s economic growth,the gradual changes in population structure and family structure,people’s awareness of risks and safeguards has increased significantly.The risk management and social security functions of the insurance industry are also receiving increasing attention from the people and the government.At the same time,due to the rising ratio of the elderly population and the separation of medical care,the traditional culture of“nurturing children and preventing old age” is difficult to sustain,and people are beginning to turn their attention to the new model of old-age care.In order to strengthen the efficiency of the use of insurance funds,China’s Insurance Law expressly allows insurance funds to invest in real estate.New changes in the social environment have spawned new demands for people,and new demands for people have brought innovation and subversion in the industry.Innovation has always been a strong driving force for the leap-forward development of enterprise transformation.TK Life Practices the development concept of “Innovation is the first to imitate”,based on the actual needs of our people,taking the lead in drawing on the advanced management experience of the United States,and launching the first CCRC in China.The Continuing Care Retirement Community)model is a community-based community of service concepts.This paper takes a case study of the existing literature and field research to analyze the business model of TK “insurance + medical care”.Through analysis,it is found that this model can broaden the life insurance industry chain,effectively integrate upstream and downstream industry resources,and deeply explore customer resources;upgrade customers’ consumption concept and pension concept,and gradually integrate the medical resources to transform the insurance industry’s “post-compensation” role into “ Control beforehand,“management in the matter”;build an insurance ecosystem.Once the model is launched,it will be favored by customers and benefit from the customer’s concept upgrade.The company’s products are based on customer needs,assets are sufficient and stable,the brand ispopular,and professionals are trained.In addition,the research also found some problems in the model,and proposed corresponding development suggestions: heavy asset investment poses challenges to the sustainable operation of enterprises,and should be carried out in a balanced manner,innovating the model of home-based care for the elderly;The risk points that must be considered can be sought to cooperate with the government.The government will fund the establishment of a medical community.The enterprise will lease the old-age community from the government for management.At present,the national unified pricing model is single,and should consider the city’s grading pricing and develop a variety of medical care.Mode;companies can consider seeking government to help set up nursing outlets,health care convenience stores,health trains,and innovative home care services in the community;insurance and medical care docking level is still shallow,should actively develop supporting product construction,in-depth docking;insurance clauses The terminology is not easy to understand,and an official platform can be built to raise public insurance awareness and drive the development of the commercial insurance market.