| The report of the 19 th National Congress of the Communist Party of China pointed out that socialism with Chinese characteristics has entered a new era.The main contradiction of our society is the contradiction between the people’s growing needs for a better life and the unbalanced and insufficient development.The major judgments made by the times of seeking truth from facts have important historical significance.The population base of the elderly in my country is huge,and accompanied by various complicated situations,such as advanced age,disability,empty nest,various physical diseases,etc.,with the change in the proportion of family population structure and the severe aging situation,this has become a common concern.The focus of the issue is also an important social issue.There are two main types of pensions: institutional pensions and home pensions.With the development and progress of society,the family structure has also changed.The mode of family providing for the elderly has been greatly impacted.The elderly care institutions have gained room for development and developed rapidly.Commercial insurance companies have invested in the establishment of a pension community with a "combined medical care and elderly care" model,which has accommodation conditions and a professional service system that has been favored by more and more elderly people.The advantage of this model is that it can provide the elderly with basic needs such as clothing,food,housing,and transportation,as well as professional services such as medical care,maintenance,nursing,and rehabilitation.Commercial insurance companies have invested a lot of money to establish and improve various Entertainment service facilities to meet the spiritual and cultural needs and psychological needs of the elderly.Take Taikang Insurance Pension Community as an example.It has introduced the advanced foreign "CCRC" model and "1+N" model.The service concept is "combination of medical and elderly care and high-quality elderly care".It is aimed at elderly people with different needs,especially The elderly with a better economic foundation are the key customer groups.At present,16 elderly care communities have been established with the model of "integration of medical care and elderly care".Representatives are: Beijing Yanyuan,Guangzhou Yueyuan,Shanghai Shenyuan,and Chengdu Shuyuan.The services that Taikang Home elderly care community can provide include: living care,self-service food,medical care,leisure and entertainment,various fitness and other comprehensive services.There are two hospitals in the elderly care community,the third-class hospital is responsible for clinical diagnosis and treatment,and the second-class hospital is responsible for rehabilitation It is also equipped with emergency treatment green channels,private doctor services,global medical mutual assistance through trains,etc.Taikang Insurance Company has established exchanges and cooperation relationships with famous hospitals and universities at home and abroad,and is a pioneer in China’s "integrated medical care" elderly service industry.Commercial insurance companies have many benefits in developing retirement communities.From the perspective of capital operation,commercial insurance companies invest funds in the elderly care service industry that integrates medical and elderly care,which is equivalent to discovering a 30-50-year bond with long-term stability.Economic benefits.From the perspective of asset duration matching,the houses and land invested by commercial insurance companies belong to the scope of real estate investment operations,which is conducive to the matching of commercial insurance companies’ liabilities and expected returns.Use the SWOT analysis method to analyze the advantages and disadvantages of Taikang Commercial Insurance Company’s development of the "integrated medical care" pension community,coordinate and handle the fierce market competition and imperfect policies,and summarize the advantages and disadvantages of other insurance companies in developing the pension community,To explore their own suitable path.When commercial insurance companies establish and develop "medical and elderly care" elderly care communities,the government needs to formulate unified national standards and industry standards,establish a sound supervision and management system,and strengthen cooperation with universities to train professional medical and management personnel.Commercial insurance companies investing in the pension service industry need to take into account the company’s interests while assuming certain social responsibilities and obligations. |
PDF Full Text Request