On March 13, the &#34;14th Five-Year Plan&#34; outline was officially released. In terms of &#34;actively responding to population aging,&#34; it clearly proposed to &#34;vigorously develop the silver economy, enrich the supply of age-friendly products and elderly services, cultivate leading enterprises and well-known brands in the silver economy, explore the establishment of a certification system for silver products, and improve the statistics of the silver economy.&#34;
In the era of longevity, everyone is not only a participant in the silver economy but also a builder and beneficiary of this era. When elderly care is no longer just passive protection in old age but becomes proactive planning throughout the entire life cycle, the essence of the silver economy becomes clear: it is about investing in individuals' longevity, health, and dignity through the power of finance; it is about investing in the elderly's aspiration for a graceful life through professional services; it is about investing in the resilience of the national elderly care security system through social collaboration.
As a pioneer in the silver economy, Taikang Insurance Group has gradually formed a &#34;new life insurance&#34; model of &#34;payment + service + investment&#34; while firmly promoting the layout of elderly care. This model transforms the &#34;cold thinking&#34; of finance into the &#34;warm practice&#34; of services, creating optimal funding solutions that cover the entire life cycle for clients, providing high-quality and reliable medical and elderly care services, and opening up the value pathway of the silver economy from funding, services to asset appreciation, allowing every pension reserve to possess the warmth of time and the depth of life.
Solving the threefold mismatch: &#34;New Life Insurance&#34; accurately responds to the challenges of the longevity era
Longevity is a badge of progress in the era, but it also brings an all-around challenge, reflected in multiple dimensions of mismatch and disconnection:
The mismatch between &#34;longevity&#34; and &#34;wealth.&#34; With the extension of average life expectancy, traditional financial planning models face the risk of &#34;living long, but running out of money,&#34; making it difficult for family asset allocation to cover the entire life cycle.
The disconnection between &#34;elderly care&#34; and &#34;medical care.&#34; Traditional elderly care institutions &#34;provide care but lack medical services,&#34; and once the elderly develop serious illnesses, they need to frequently travel to hospitals; while hospitals &#34;provide medical services but lack care,&#34; unable to undertake long-term living assistance and rehabilitation functions.
The disconnection between &#34;aging&#34; and &#34;vitality.&#34; In traditional concepts, elderly care is viewed as &#34;retreating&#34; and &#34;waiting,&#34; and many elderly individuals, even if physically well, fall into a low-quality passive elderly care state due to a lack of social space and spiritual support. Society lacks an ecological environment that can meet the social, self-actualization, and lifelong learning needs of the elderly.
As a risk transfer tool and financial planning method, how does insurance respond to these challenges? The answer provided by Taikang is the &#34;new life insurance&#34; model.
<img src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OSuPn3_tNz9NuSGqIVJdfv0692g6UHlCMETKbwpyn3gFcAA/641?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="Image" original-src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OSuPn3_tNz9NuSGqIVJdfv0692g6UHlCMETKbwpyn3gFcAA/641"/>
Taikang Home · Yan Garden celebrates a centenarian's birthday
Unlike traditional life insurance, which focuses on the collection and payment of funds, in Taikang's context, &#34;new life insurance&#34; introduces a &#34;service end&#34; that includes medical care, elderly care, rehabilitation, and palliative care into the traditional &#34;liability side&#34; and &#34;asset side&#34; structure, innovatively integrating pension finance, elderly care service finance, and elderly care industry finance, expanding insurance from traditional financial protection solutions to comprehensive elderly care solutions throughout the life cycle
Adhering to Long-termism: Three-pronged Synergy Strengthens the &#34;Hard Power&#34; of the Silver Economy
It is well known that the elderly care industry is not a single-point breakthrough track, but a livelihood project that requires the support of long-termism and systematic capabilities.
In 2009, Taikang obtained the first pilot qualification for investing in elderly care communities approved by the former China Insurance Regulatory Commission; in 2012, the industry's first annuity product &#34;Happiness Appointment,&#34; which connects to elderly care communities, was launched, innovatively combining virtual insurance with physical services. In the same year, Taikang's first flagship community, Taikang Home · Yan Garden, was established; in 2015, Taikang Home · Yan Garden officially began operations; in 2017, Taikang launched a new profession that integrates insurance consulting, medical care consulting, and financial consulting—Health Wealth Planner (HWP).
Doing the right thing, time is the answer. The &#34;new life insurance&#34; has gradually moved from innovative exploration to mature practice, which is Taikang's deepest adherence to long-termism. It seems to have chosen a &#34;slow&#34; approach, not chasing trends, not speculating on concepts, and not seeking quick success, yet it has forged &#34;hard power&#34; through steadfast progress.
On the payment side, Taikang continues to solidify its elderly care funding and payment capabilities. The professional and high-performing team of Taikang Life continues to grow, with HWP personnel consistently breaking through; the &#34;Happiness Appointment&#34; series of products helps clients with elderly care and health funding. Taikang Pension focuses on pension finance, working on the integration path of the second and third pillar pension funding models. Taikang Online builds a new insurance ecosystem with the &#34;insurance + technology&#34; and &#34;insurance + service&#34; models, fully creating a technology-driven internet property insurance company. On the service side, Taikang deeply cultivates the silver economy, allowing industrial financial services to support the real economy. Taikang Home has laid out 47 projects in 37 cities, operating 27 projects in 24 cities, with over 20,000 residents. Taikang Medical's five major medical centers continuously improve quality and efficiency, with strategic discipline construction steadily advancing, among which Taikang Xianlin Gulou Hospital was recently rated as a national Grade A tertiary comprehensive hospital.
<img src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OLgP1lwx7BFmXxvjOMS8buJ1QLf97OTADWDhS9ibqxJw4AA/641?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="Image" original-src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OLgP1lwx7BFmXxvjOMS8buJ1QLf97OTADWDhS9ibqxJw4AA/641"/>
Taikang Xianlin Gulou Hospital
On the investment side, Taikang, as an important institutional investor in the capital market, plays the role of a &#34;stabilizer&#34; and &#34;ballast&#34; for patient capital. Taikang Asset's global ranking continues to rise, ranking 52nd in the IPE global ranking in 2025 and 3rd in China; the pension management scale under investment management is approximately 1.3 trillion yuan, continuously consolidating its leading position in the pension management field; &#34;Taikang Asset&#34; has been rated as a &#34;AAA well-known trademark brand.&#34;
These achievements prove that the &#34;new life insurance&#34; is not only a theoretical framework but also a quiet yet profound practical revolution, contributing replicable and verifiable insurance wisdom for the longevity era and injecting continuous financial vitality into the silver economy.
Practicing Commercial Goodness: Letting Life Bloom with Elegant Vitality Again
No matter how rigorous the logic of a business model is, it ultimately needs to focus on individuals. In the real stories happening at Taikang, &#34;aging&#34; and &#34;vitality&#34; are no longer opposing concepts, but rather intertwined states of life
&#34;The rehabilitation instructor taught me to use the showerhead's water flow to massage my chest. After sticking to it for more than a year, my lung function has really improved, and these methods have given me more confidence,&#34; said Grandma Feng, a resident of Taikang Home · Yanyuan. Although she looks healthy, she has already experienced three bouts of cancer, with the third being lung cancer. Moving into Yanyuan not only helped her build the determination and courage to overcome her illness but also provided her with scientific methods. As her health gradually improved, she voluntarily became a volunteer in the nursing area, accompanying elderly people in singing. From being served to serving others, she interprets &#34;a dignified old age&#34; in her own way.
<img src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OP2ZafPRyhSocIUrd7bElAelwApA5cCK-3IDHs5_cd8wAAA/641?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="Image" original-src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/OP2ZafPRyhSocIUrd7bElAelwApA5cCK-3IDHs5_cd8wAAA/641"/>
Taikang resident Feng Jiasheng
What helped Grandma Feng achieve this transformation is the &#34;1+N&#34; multidisciplinary collaborative care model created by Taikang Home. This model has established a service team composed of housekeepers or case managers, nursing, rehabilitation, medical, pharmacy, social work, cultural entertainment, sports, catering, nutrition, and logistics professionals, providing comprehensive integrated care services for the elderly.
The music therapist Yu Guo at Taikang Home · Yueyuan is a unique role within the &#34;N&#34;. This neuromusic therapist, who graduated from the State University of New York, discovered a lack of music therapy services in the elderly care market after returning to China. Therefore, she joined Taikang Home and established a music therapy system, one of the three major non-drug therapies for dementia.
&#34;Many people think music therapy is just about having the elderly sing songs, but it is actually an interdisciplinary field based on evidence,&#34; Yu Guo stated. Music can activate various brain regions. For example, it can improve the gait instability of elderly people with Parkinson's and evoke beautiful memories in elderly people with dementia. &#34;When an elderly person who usually doesn't speak becomes talkative upon hearing a familiar melody and shares life stories that even their children don't know, that sense of value is irreplaceable.&#34;
23-year-old Yang Zhenqing is one of the first undergraduate students majoring in elderly service management in the country and currently serves as a life housekeeper at Taikang Home · Shenyuan. He admitted that he felt disappointed when he was first assigned, but once he stepped into the front line of elderly care, he realized that this job is much more than just &#34;serving tea and water&#34;: &#34;The elderly are no longer satisfied with being cared for; they crave participation, social interaction, and the desire to continue shining.&#34;
Elderly care professionals like music therapist Yu Guo and life housekeeper Yang Zhenqing are referred to as &#34;youthful caregivers&#34; at Taikang. This service team, with an average age of only 32, not only redefines the connotation of elderly care but also reshapes society's perception of elderly care professions. They are transmitting a positive value of elderly care in the role of supporters and witnesses: transforming &#34;passive aging&#34; into &#34;active enjoyment of old age,&#34; allowing every stage of life to shine brightly. This has also become the most vivid annotation of Taikang's commercial benevolence.
Doing the right thing will eventually yield the richest rewards over time. With more than a decade of &#34;slow&#34; effort, Taikang has polished a solid foundation covering payment, services, and investment, not only solving the &#34;transformation problem&#34; of corporate development but also responding to the &#34;era problem&#34; concerning people's livelihoods. When aging no longer means decline and loneliness but is filled with dignity, vitality, and elegance, this is not only a victory for a company's long-termism but also a good start for the silver economy as a new growth point in consumption
(Data source: Taikang Insurance Group)
<img src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/O-eG0hEYv8V-fmcRIErL7Efv0b9-A_uS-0ve93IhhMqw4AA/641?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="Image" original-src="https://imageproxy.pbkrs.com/https://inews.gtimg.com/om_bt/O-eG0hEYv8V-fmcRIErL7Efv0b9-A_uS-0ve93IhhMqw4AA/641"/>
<blockquote>
Source: Partner contribution Editor: Yang Zhiyuan
</blockquote>

515380

泰加保险

515530

On March 13th, the "14th Five-Year Plan" outline was released, emphasizing the development of the silver economy and enriching age-friendly products and services. Taikang Insurance Group launched the "New Life Insurance" model, combining payment, services, and investment to respond to the challenges of the longevity era, addressing issues such as the gap between elderly care and medical services, and the mismatch between wealth and longevity, and is committed to providing customers with high-quality medical and elderly care services throughout their life cycle

How can "new life insurance" break through the silver-haired economy?