sharon sanders
Editor-in-Chief & President
2020-08-18 22:24:50Beijing
The age of longevity is "difficult to provide for the elderly"! Nearly 60% of middle-to-high net worth individuals are seriously under-funded
In recent years, China’s aging degree has continued to deepen. As of 2019, China’s population of 60 years and over has reached 254 million people, accounting for 18.1% of the total population, of which the population 65 years and over accounted for 12.6%. How to better serve Providing for the elderly, and even preparing for "enjoying old age" (simple understanding means enjoying old age) has become a hot topic of discussion among the people.
59% of middle-to-high-net-worth people are seriously inadequate in their pension fund preparations.
However, the survey found that even middle- and high-net-worth people are still not adequately prepared for retirement. This will lead to a "60-year-old phenomenon" in this group, that is, when retirement comes. , Had to lower the quality of life and abandon part of the life philosophy in expectations.
On August 18, Taikang Insurance Group and Nielsen jointly released the "White Paper on Medical Care for China's Middle and High Net Worth People in 2020" (hereinafter referred to as the "White Paper"), showing that the middle and high net worth people have not yet fully realized the arrival of the era of longevity. There are still major deficiencies in preparation.
According to the "White Paper", half of the young and middle-aged generation believe that the future life expectancy will be less than 85 years old, but in the era of longevity, it is possible to live longer than expected, which poses a challenge to the preparation of middle and high net worth groups.
Especially in terms of funds, according to the current living standards of the middle and high net worth groups, an average of 10.6 million yuan is needed for pension funds. However, the average pension fund gap prepared by this group is currently 6 million yuan, of which 59% are middle and high net worth groups. There is a serious shortage of pension funds. This problem will lead to the emergence of the "60-year-old phenomenon".
At the same time, the "White Paper" also found that from the age of 50, half of the middle and high net worth people have long-term illnesses; after the age of 70, nearly 80% of the people will become ill, entering the stage of long-term survival for everyone with the disease.
The high prevalence is accompanied by the problem of medication management. The survey found that 17% of the middle and high net worth people have been affected by the side effects of excessive drug sharing, and 9% believe that they can adjust their medication by themselves, but it has caused them. Nearly one-third of people cause health problems.
In addition, 28% of parents may face first-aid situations after their parents reach the age of 60, which may have an impact on the busy mid- and high-net-worth children, and need to plan and respond in advance.
In terms of medical resources, the personal connections and funds of the middle and high net worth groups are not enough to solve the problem of resource shortage, and the shortage of hospital resources has become the primary problem.
The era of longevity is coming. In the first half of the year, Internet health insurance surged by 60% year-on-year. The
above-mentioned data indicate that preparing for the elderly in advance has become an urgent need, especially in the context of people's longer and longer lifespan. Chen Dongsheng, chairman and CEO of Taikang Insurance Group, said, "In the next 30 to 50 years or by the end of this century, human beings will enter an era of longevity, and the changes in population structure will inevitably bring about subversive impacts on the socio-political and economic structure."
It is reported that the era of longevity will accompany it. It has five major characteristics, namely, low mortality, low fertility, continuous increase in life expectancy, population age structure tends to be columnar, and the proportion of the elderly population in the plateau period exceeds 1/4.
With the extension of life expectancy, the types of human diseases have changed from acute infectious diseases to chronic non-communicable diseases. Survival with diseases has become a common phenomenon. Therefore, the huge health demand in the era of longevity will promote the great health industry. Great development.
Indeed, it has become the consensus of insurance companies to seize the development opportunities of the health industry. For example, many insurers have focused on health insurance. According to data from the China Insurance Association, the original insurance premium income of health insurance business in the first half of the year reached 475.969 billion yuan, a year-on-year increase 19.7%, far exceeding the industry's 6.46% increase.
At the same time, the "Analysis Report on the Operation of the Internet Life Insurance Market in the First Half of 2020" issued by the China Insurance Association also shows that under the new crown pneumonia epidemic, Internet health insurance bucked the trend and rose by 60.1% year-on-year, achieving scale insurance premiums of 18.51 billion yuan.
http://www.bjnews.com.cn/finance/2020/08/18/760098.html
The age of longevity is "difficult to provide for the elderly"! Nearly 60% of middle-to-high net worth individuals are seriously under-funded
In recent years, China’s aging degree has continued to deepen. As of 2019, China’s population of 60 years and over has reached 254 million people, accounting for 18.1% of the total population, of which the population 65 years and over accounted for 12.6%. How to better serve Providing for the elderly, and even preparing for "enjoying old age" (simple understanding means enjoying old age) has become a hot topic of discussion among the people.
59% of middle-to-high-net-worth people are seriously inadequate in their pension fund preparations.
However, the survey found that even middle- and high-net-worth people are still not adequately prepared for retirement. This will lead to a "60-year-old phenomenon" in this group, that is, when retirement comes. , Had to lower the quality of life and abandon part of the life philosophy in expectations.
On August 18, Taikang Insurance Group and Nielsen jointly released the "White Paper on Medical Care for China's Middle and High Net Worth People in 2020" (hereinafter referred to as the "White Paper"), showing that the middle and high net worth people have not yet fully realized the arrival of the era of longevity. There are still major deficiencies in preparation.
According to the "White Paper", half of the young and middle-aged generation believe that the future life expectancy will be less than 85 years old, but in the era of longevity, it is possible to live longer than expected, which poses a challenge to the preparation of middle and high net worth groups.
Especially in terms of funds, according to the current living standards of the middle and high net worth groups, an average of 10.6 million yuan is needed for pension funds. However, the average pension fund gap prepared by this group is currently 6 million yuan, of which 59% are middle and high net worth groups. There is a serious shortage of pension funds. This problem will lead to the emergence of the "60-year-old phenomenon".
At the same time, the "White Paper" also found that from the age of 50, half of the middle and high net worth people have long-term illnesses; after the age of 70, nearly 80% of the people will become ill, entering the stage of long-term survival for everyone with the disease.
The high prevalence is accompanied by the problem of medication management. The survey found that 17% of the middle and high net worth people have been affected by the side effects of excessive drug sharing, and 9% believe that they can adjust their medication by themselves, but it has caused them. Nearly one-third of people cause health problems.
In addition, 28% of parents may face first-aid situations after their parents reach the age of 60, which may have an impact on the busy mid- and high-net-worth children, and need to plan and respond in advance.
In terms of medical resources, the personal connections and funds of the middle and high net worth groups are not enough to solve the problem of resource shortage, and the shortage of hospital resources has become the primary problem.
The era of longevity is coming. In the first half of the year, Internet health insurance surged by 60% year-on-year. The
above-mentioned data indicate that preparing for the elderly in advance has become an urgent need, especially in the context of people's longer and longer lifespan. Chen Dongsheng, chairman and CEO of Taikang Insurance Group, said, "In the next 30 to 50 years or by the end of this century, human beings will enter an era of longevity, and the changes in population structure will inevitably bring about subversive impacts on the socio-political and economic structure."
It is reported that the era of longevity will accompany it. It has five major characteristics, namely, low mortality, low fertility, continuous increase in life expectancy, population age structure tends to be columnar, and the proportion of the elderly population in the plateau period exceeds 1/4.
With the extension of life expectancy, the types of human diseases have changed from acute infectious diseases to chronic non-communicable diseases. Survival with diseases has become a common phenomenon. Therefore, the huge health demand in the era of longevity will promote the great health industry. Great development.
Indeed, it has become the consensus of insurance companies to seize the development opportunities of the health industry. For example, many insurers have focused on health insurance. According to data from the China Insurance Association, the original insurance premium income of health insurance business in the first half of the year reached 475.969 billion yuan, a year-on-year increase 19.7%, far exceeding the industry's 6.46% increase.
At the same time, the "Analysis Report on the Operation of the Internet Life Insurance Market in the First Half of 2020" issued by the China Insurance Association also shows that under the new crown pneumonia epidemic, Internet health insurance bucked the trend and rose by 60.1% year-on-year, achieving scale insurance premiums of 18.51 billion yuan.
http://www.bjnews.com.cn/finance/2020/08/18/760098.html