Xinhua Finance and Economics, Beijing, December 26 (Reporter Zhang Siwen) Actively responding to the aging of the population is related to national development and people's livelihood and well-being, and is an important measure to achieve high-quality economic development and maintain social stability. The recent economic work conference made it clear that in terms of effectively protecting and improving people's livelihood, we must insist on doing our best and doing what we can, and hold on, accurately, and firmly adhere to the bottom line of people's livelihood.
Industry experts expect that in 2024, China will accelerate the development of pension finance, focus on making up for the shortcomings of the third pillar of pension, and solidly open up the "last mile" of pension, and the layout of "insurance + pension service" will be further improved.
Actively respond to the aging of the population and continuously improve the top-level design of the aging business
According to the "2022 National Aging Development Bulletin" recently released by the Ministry of Civil Affairs and the National Office on Aging, as of the end of 2022, the number of people participating in basic pension insurance nationwide was 105307, an increase of 24.36 million over the end of the previous year. The elderly population aged 60 and above in China is 280.04 million, accounting for 19 of the total population8%。The elderly population aged 65 and above in China is 209.78 million, accounting for 14% of the total population9%。
How to deal with the aging society, China continues to make efforts in "providing for the elderly", identifies the active response to the aging of the population as a national strategy, specially introduces and implements medium and long-term planning, promotes the top-level design of the aging cause to be more complete, and the implementation of major reform measures takes effect, laying a solid foundation for actively responding to the aging of the population.
In the past ten years, China has unified the old-age insurance system for urban and rural residents, realized the integration of the old-age insurance system of government agencies, institutions and enterprises, implemented the national overall planning of enterprise old-age insurance, established an occupational pension system, introduced a personal pension system to fill the gap in the multi-level and multi-pillar old-age insurance system, and realized the overall ...... of unemployment insurance at the provincial level
Industry insiders believe that to properly solve the social problems brought about by the aging of the population, the road with Chinese characteristics to deal with the aging of the population will become wider and wider.
Improve long-term care insurance and solidly open up the "last mile" of old-age care
In recent years, the state has successively promulgated a series of policies and regulations to guide insurance institutions to actively participate in the construction of the risk protection system for the elderly. China's insurance industry gives full play to the advantages of the main responsibility and main business of insurance, actively participates in the country's work related to aging, and actively explores in the accident insurance for the elderly, personal pension business and the ecological construction of big health and big pension.
With the increase of age, the physical function gradually declines, and the ability of the elderly to resist the risk of accidents is gradually weakened, becoming a group with a high incidence of accidental injuries. China's insurance industry continues to improve and innovate accident insurance products for the elderly, effectively alleviating family and social pressure, and adding protection to the happy life of the elderly in their old age.
The relevant person in charge of the Chinese Life Insurance Company said that the whole system has vigorously carried out the promotion of accidental injury insurance for the elderly, providing the vast number of elderly people with all-round insurance protection covering the responsibilities of death from disease, accidental death, accidental disability, accidental fracture, accidental medical expense compensation, accidental hospitalization allowance, etc., to meet the insurance protection needs of the elderly population and further improve the ability of the elderly to resist risks.
Industry insiders believe that in order to get through the "last mile" of the pension, it is necessary to pay attention to the development of long-term care insurance.
The pilot promotion of the long-term care insurance system has reduced the burden on the elderly and their families on the one hand, and on the other hand, it has greatly leveraged the market demand, and the long-term care services for the disabled (dementia) and semi-disabled elderly have developed rapidly. Fang Lianquan, a researcher at the Institute of Social Development Strategy of the Chinese Academy of Social Sciences and secretary-general of the World Social Security Research Center, said that in 2022, nearly 1 of the 49 pilot cities participated in long-term care insurance700 million people, nearly 1.21 million people enjoying benefits, ** expenditure 104400 million yuan, nearly 7,700 long-term care insurance designated service institutions, more than 330,000 nursing service personnel. Especially in rural areas, the implementation of long-term care insurance has brought multiple benefits.
For example, Fang Lianquan said that in Lanshan District, Rizhao City, Shandong Province, because of the cost support provided by the long-term care insurance system, medical staff in the village clinic concentrated on providing day health care for the disabled and semi-disabled elderly in the village, so that these elderly people can enjoy professional medical care services at a lower cost, which greatly reduces the burden on the family.
Experts suggest that we should further refine and optimize the cultivation and support policies, and guide more professional institutions for the elderly to provide sustainable and stable services based on the principle of guaranteeing capital and small profitsPromote the improvement of long-term care insurance applicable to community pension policies, and improve the elderly's ability to pay for pension services.
Build the core competitiveness of "product + service" and promote the layout of "insurance + pension service".
In recent years, major national reports and important meetings have repeatedly set the tone to support the development of the pension industry, and "insurance + pension services" will become an important direction for the transformation and development of the insurance industry and the switching of kinetic energy.
Industry insiders believe that in order to accelerate the promotion of the "insurance + pension service" layout, it is necessary to focus on building a health industry system for the elderly, scientific and technological innovation of the aging manufacturing industry, improving the quality of the aging service industry, improving the environment for the elderly, and building a financial support system for the aging industry, so as to promote the coordinated development of the aging cause and industry, basic public services and diversified services.
At present, the demand for social pension services in China has increased significantly, but the family pension function is difficult to meet the needs of the elderly, the pension supply is still facing problems such as insufficient development and imbalance, and some long-term problems affecting the high-quality development of pension services still exist. For example, there is still a gap between the number of grassroots service institutions for the elderly in the community and the current care needs of the elderly at home in the community, and the quantity and quality of service personnel, especially health service personnel, also need to be improved.
Experts suggest that we should continue to improve the sustainable multi-level social security system, improve the pension service system and health service system, continuously promote the construction of long-term care insurance, improve the quality and efficiency of pension talent training, and strengthen service capabilitiesEfforts should be made to improve the "pension service + insurance" model of institutional pension, home pension and community pensionMake full use of the natural attributes of insurance protection, fully integrate pension services and insurance, complement each other, and strive to meet the multi-level and diversified needs of the elderly.
A number of insurance institutions said that they will speed up the layout of the "pension + insurance" business, promote the "pension + insurance" business to continue to sail, and help the majority of elderly groups to have care, medical care, work, learning and fun.
Editor: Tan Rui.
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