How many elderly people are there in China? According to the National Health Commission, during the "14th Five-Year Plan" period, the elderly population aged 60 and above in the mainland will exceed 300 million, and will exceed 400 million in 2035. With the intensification of the aging trend of the mainland's population, the "silver tsunami" has hit, so much so that there have been reports that "it is difficult to find a bed in an elderly care institution", which has caused deep worries for many elderly, middle-aged and even young people.
"The Book of Rites · Rites and Fortunes" mentions: so that the old have the end, the strong have usefulness, the young have growth, the widows, the lonely and the sick, all have support. "So, how do you make a quality of life for the elderly? The world can be delayed, but love should not be delayed. In recent years, Chinese Life Insurance Co., Ltd. (hereinafter referred to as "Chinese Life Insurance Company") has launched the construction of a system-wide service system for the elderly, continuously optimizing the insurance service experience of the elderly group, and creating a "happy hometown" for tens of thousands of elderly groups.
New product, old heart
As we grow older, our bodies are also changing, and the little changes in our lives continue to amplify the anxiety and anxiety of the elderly. Chinese Life Insurance Company starts from the product, focuses on the diversified pension planning and risk protection needs of elderly customers, and improves the risk protection level of the elderly group by creating a rich and diversified product system suitable for the elderly.
The first is to customize exclusive products. According to the risk characteristics and protection needs of the elderly group, exclusive products such as "Sunset Red", "Silver Age Health" and "Silver Age Worry-free" have been launched, forming a diversified product line covering multiple protection needs such as accidents, diseases, medical treatment, and nursing. These products raise the age of application, expand the number of people who can be insured, and some medical insurance products can reach the maximum age of 80 years old, and the renewal age can reach 100 years old, and expand the scope of insurance to some people with chronic diseases. In 2023, in addition to policy-based business, Chinese Life Insurance Company provided about 60 million illness and accident insurance benefits to elderly customers.
The second is to enrich product types. It has built a pension product system covering a variety of products such as annuity, endowment, personal pension, exclusive commercial pension insurance, etc., to meet the diverse pension planning needs of different groups.
The third is to help the expansion of the third pillar, and the company has accumulated reserves of 1.8 trillion yuan for the insurance business with pension attributes.
The new line of defense, the old one is powerful
In parallel with the aging of the population, the number of disabled elderly people is increasing year by year. "One person is disabled, the whole family is affected", behind this sentence is the sadness and tears of thousands of families. In order to solve the problem caused by disability, long-term care insurance, known as the "sixth insurance" of social security, came into being. Chinese Life Insurance Company in Jiangsu, Chengdu, Guangzhou, Qingdao, Dongying and other places has assisted government departments in exploring and forming typical long-term care insurance service practices that have influence in the country, and has played an important role in alleviating the economic burden of disabled families.
Ms. Han, 84 years old in Dongying, Shandong Province, suffered from cerebral infarction, rheumatoid arthritis for more than 30 years, chronic cardiac insufficiency, atrial fibrillation, etc., and needed a ventilator to assist breathing. Considering that the care at home is not as professional as the hospital, the family contacted Chinese Life Insurance Company to apply for long-term care insurance special care, and after careful care, Ms. Han's mental state recovered well, and the family was very satisfied. Previously, Ms. Han spent more than 400,000 yuan on 40 days of intensive treatment, and the monthly hospitalization cost was about 9,000 yuan after her condition was stabilized.
In Zhenjiang, Jiangsu Province, the same story is unfolding. A 75-year-old mother insisted on taking care of her son Yu, who was paralyzed in bed for a long time due to cerebral infarction, unable to take care of himself, and had a second-degree disability and was over half a hundred years old. As I get older, I feel more and more unable to take care of my daily needs. After learning of Yu's care predicament, the staff of Zhenjiang Long-term Care Insurance Service Center took the initiative to come to his door to understand his condition, and immediately conducted a self-assessment and registration of the long-term care disability level. After learning of this news, Chinese Life Insurance Company organized personnel of the designated assessment agency to conduct on-site assessment and confirm that it met the severe disability level. Since then, Yu has enjoyed the free door-to-door service of "bathing without leaving the bed" 3 times a month, each time for no less than two hours, and the service is completed by two professional nursing staff and one medical staff. Up to now, among the eligible insured persons in Zhenjiang City, nearly 600 people have applied for and enjoyed the door-to-door service of "not leaving the bed for bathing" for free.
Long-term care insurance provides a "warm line of defense" for many disabled families, which not only solves the "hidden" demand dilemma of the elderly, but also maintains the dignity and decency that they and their families should have, so that the elderly life has a settled, secure and armory.
New services, getting old faster
Everything is connected, but not everyone is connected, and the times have drawn a gap between the elderly and apps. In order to allow elderly customers to obtain insurance services conveniently and satisfactorily, Chinese Life Insurance Company has comprehensively transformed various service touchpoints, optimized service processes, and provided more intimate and exclusive services for the elderly.
Traditional services are iteratively upgraded, and the details reflect the warmth of the pulse. Chinese Life Insurance Company is equipped with wheelchairs, reading glasses, magnifying glasses and other facilities at the counter, and sets up a window for respecting the elderly, providing "one-to-one" escort and priority calling services for the elderly at the counter, and providing door-to-door services for the elderly who are inconvenient to go out. In the past two years, the company has provided face-to-face and warm counter services for more than 9.5 million elderly people. In terms of telephone services, it is the first in the industry to launch the "one-click access manual service for elderly calls", equipped with special skill groups for the elderly, and launched manual services in 53 dialects and 3 minority languages, so that elderly customers who do not speak Mandarin can also communicate without barriers.
Smart services explore and innovate to help bridge the digital divide. In 2023, it will become the only mobile app in the insurance industry to be certified by the Ministry of Industry and Information Technology (MIIT) for ageing and accessibility. Through concise page layout, intelligent voice navigation, one-click direct service assistant, timely and eye-catching business reminders, and in-flight customer service that can be used by video dialogue, the elderly mode allows elderly customers to enjoy a clear, audible, understandable and easy-to-operate experience. Since its launch in 2021, it has served more than 40 million customers.
Community transformation is in the ascendant, and "fast" out of happiness in old age. In Taicang City, which is under the jurisdiction of Suzhou City, the Suzhou Branch of Chinese Life Insurance starts from the end of the service chain and installs free bathroom handrails for elderly families, and the "Guardian Sunset" project is in full swing, and by the end of April 2024, more than 300 elderly families in Taicang have been installed, and will be fully implemented in other counties (cities) of Suzhou. Mr. Yu, who is over 70 years old, said that with the handrails, his body's center of gravity is much more stable when he goes up and down the stairs and sits-ups, and he feels more at ease. Although it is only a simple measure, it can effectively reduce a series of serious consequences caused by falls for the elderly, and a small kindness shows a strong humanistic care.
Xintiandi, old and happy
In the Guoshou Jiayuan on the shore of Yangcheng Lake in Suzhou· in Suzhou Yajing Pension Community, small bridges and flowing water, pavilions and rockeries, plaques and couplets...... Everywhere you can appreciate the elegant charm of Jiangnan. "It's completely different from living in a nursing home in other areas." This year, 73-year-old Aunt Jia of Shanghai has a colorful retirement life in Suzhou. "The community arranged Baduanjin and Tai Chi in the morning, and I myself would give everyone a lecture on waist drums in the community; In the afternoon, everyone formed a band to practice together; Standing on the pile for about 40 minutes at night, you don't have to worry about three meals a day. ”
Up to now, more than 450 elderly people have lived in Suzhou Yajing Retirement Community. In terms of medical security, Suzhou Yajing has set up a community medical center, equipped with professional medical personnel, medical equipment, and formulating emergency treatment plans to escort the life safety of the elderly. At the same time, the community has also established a close cooperative relationship with the neighboring tertiary hospitals to ensure that residents can receive timely and professional medical services when they need them. In this new world of elderly care, Chinese Life has launched 13 projects in 11 cities, and plans to form a supply capacity of elderly care services in about 30 cities across the country by the end of the 14th Five-Year Plan.
Under the "one main and multiple auxiliary" elderly care service supply model, Chinese Life will continue to integrate and bring together cutting-edge old-age, medical and rehabilitation resources at home and abroad to build a "rich, professional and safe" old-age service system, so that the elderly can enjoy full material security while adding more vitality to their lives, so that they can open their hearts and enjoy more fun in interaction.
The temperature of people gathering and accompanying each other is the easiest happiness to feel in ordinary days. In the years of kindness, China Life Insurance has continued to build a "happy hometown" for the elderly, so that the warmth of China Life will last forever with the passage of time, and the memories in the mind will continue together with the warmth in life.