From the perspective of the "New Three Masters", the needs of high net worth groups change

And create and open up the market

Taikang's research predicts consumption trends

Responsible in response to customers' needs

In the next quarter of the 21st century, it was once known as the "car, house, insurance" of the three major pieces of the 21st century, and has already become a necessity for people's lives. Synchronization with the changes of the times, the overall consumption level and consumption quality of the society have been significantly improved. In the further reasonable and optimization of the consumption structure, people are represented by high -level consumption with high -quality experience with high -quality experience.

Once, "buying a car, buying a house, and buying insurance" is the basis for the long -term planning of the high -net -high -value population. Since entering the 21st century, people's pursuit of a better life has become more and more full of energy, and intangible consumption and quality services have become a must -have for life and high net worth people.

Insight the needs, respond to demand, and create and develop the market. Taikang's research predicts consumption trends and responds to customers' needs in a timely manner. Taikang Life has seen a look -out demand for medium and high -net -worth individuals in life planning for deeper needs for pension, health, and wealth management, and based on this to create a "new three major pieces" for them: HWP, Happiness, Town, Taikang Zhizhizhi Family.

Taikang's "Four in one" business model

"Three major pieces" butterfly change refraction consumption and industrial upgrading

Since the reform and opening up, there has been significant changes in the upgrading of consumer structure in my country.

In the early days of reform and opening up, under a series of reform guidance, the first consumption structure upgraded. With the rapid decline in the proportion of agricultural products in consumption, and the rise in light industrial products, my country's light industry production and commodity jump out of the "ticket" supply shows explosive growth, and the market has been enriched. The consumption upgrade has promoted my country's economy to achieve a round of growth.

The upgrade of the second consumption structure brings a huge innovation of the production and supply system. The evolution of consumption content and consumption structures occurred in the late 1980s, expanding from the main food that depends on the survival of the living to a richer people's livelihood industry, which has caused great improvement in the material life of the people. Bicycles, watches, and radios are the first to popularize, and the latter three major items -TV, washing machines, refrigerators and other people's livelihood industrial products have entered millions of households more.

In the first ten years of the 21st century, it was gradually formed with automobiles, housing, insurance, education, and tourism. Because of this, "buying a car, buying a house, and buying insurance" has become a sign of consumption upgrade in the new century.

At present, the third consumption structure upgrade is ongoing, and the fastest growth is consumption such as entertainment, medical care. The rapid growth of the consumption tendency of high -net -high net worth is the first to change. From functional consumption to quality consumption, intangible commodity consumption is more pursuing psychological satisfaction and spiritual pleasure, and people are more willing to invest in future.

Throughout the above change, the upgrade with the consumption structure is the industrial upgrade. What is adapted to the development of the economy and the continuous improvement of people's disposable income is that the industrial structure is continuously optimized: the agricultural foundation has strengthened, the industry continues to develop rapidly, and the service industry has developed rapidly. The proportion of three industries in GDP was adjusted from 27.7%, 47.7%, and 24.6%in 1978 to 7.3%, 39.4%, and 53.3%in 2021. Compared with 1978, the proportion of the first industry dropped sharply by 20.4%, the proportion of the second industry fell by 8.3%, and the proportion of the tertiary industry increased significantly by 28.7%.

According to the data provided by the National Bureau of Statistics, the size of the middle -class income group in my country is about 400 million people. Compared with the 7.358 million people in 2002, less than 20 years, the number of secondary income has increased by more than 54 times. The largest number of people and the largest number of people. While the economic scale is further expanded, the per capita GDP level has continued to increase. According to data released by the National Bureau of Statistics, as of 2021, my country's per capita GDP was 80,976 yuan, which has remained more than $ 10,000 for three consecutive years.

Based on the moment, while the industrial upgrading and consumption upgrade, the multi -level market has been excavated, and the content of consumption is more diverse. In order to meet personalized, diverse, and high -quality consumption needs, the upgrade trend has penetrated into all aspects of the market.

Market space and consumption potential are great, and the huge market needs to be filled and stimulated by new supply. As a insurance industry that is directly related to the people's income level and the age structure of the population, this is a must -have answer given by the times. Practicing long -termism, providing a full life cycle for the pension health wealth solution in the background of the longevity era, has become a top priority for the upgrading of the insurance industry.

Pension, health, and fundraising services have spawned the "New Three"

With the change of the times and the development of people's consumer demand, the "three big pieces" are constantly replaced by "new three pieces". Today, with the deepening level of aging, how can pension, health, and fundraising services become the "new three major pieces" of high -net -worth individuals? We might as well analyze the Taikang House, Happiness and HWP as an example.

Wealth is in hand, and wealth health and physical health have become the most concerned cities for high net worth groups. Consumption upgrades are not only reflected in housing travel, but also in the needs of medical and elderly services. For Taikang, whether it is the investment in wealth or the resources of medical care, it is upgraded to the quality of service and service content after insight into the pain points of customers.

Specifically, this service is realized by "happiness". "Happiness has an appointment" consisting of a policy and a post -check letter letter in the elderly community, which realizes the organic combination of virtual insurance business and medical and nutrition entities. Relying on Taikang's investment and wealth management strength and medical care layout, the two major problems of pension funds and pension resources can be solved at the same time. The "Taikang House", which is supported by "happiness", dug the pain points of quality pensions, and thus became a key one in the "New Three Great". The trend of population aging is becoming increasingly severe, and the old -age beds have become scarce resources, and it is difficult to search for pension resources with temperature. However, the pension community created by Taikang's resource mobilization capacity has become a sacred place for the high net worth population.

The pension practice of Taikang House does not just stay at the level of hardware, but is a comprehensive upgrade of lifestyle. By creating a national chain quality pension community, Taikang House not only leads the trend of the national pension institution, but also attaches great importance to high -end substances. Life, and pursuing the minds of high and net worth of spiritual identity.

Taikang House Hangzhou Daqing Valley Pension Community

Faced with the complex and diversified pension, health, and wealth needs of medium and high -net -worth individuals, Taikang Life has created a healthy wealth planner (HWP) that integrates the "insurance consultant, general doctor, and financial experts". Fortune resource service.

HWP is a brand -new profession, which is derived from insurance but is not limited to this. The ultimate purpose is to provide customers with comprehensive guarantee plans and solve the comprehensive demand of customers for pension, health and wealth protection.

Continuous quality service exporters seize the opportunity

In the third stage of consumption structure upgrades that expand consumer demand, Taikang used very forward -looking thinking, not only seeing the upgrade of tangible medical and health consumption, but also paying attention to the output of intangible services such as quality pensions and cultural pensions. The model of Taikang Insurance Changpo Snow Snow has become a trusted provider of HWP, Happiness and Appointment, and Taikang House.

In order to serve customers with medium and high net worth, Taikang Life not only creates a new profession, but also cultivates the team's all -round empowerment. It is reported that the HWP created in accordance with the top vocational qualifications of the international financial industry, from recruitment to training, to examinations and promotion, all have extremely strict standards.

HWP exclusive training

As an elite in the industry, the competitiveness of HWP is self -evident. The reason behind it is that the services required by high net worth individuals are often extremely comprehensive. To solve their problems, not only requires cross -domain professional knowledge, but also to span the time over time. With the comprehensive scheme of space, HWP can exact the perfect combination of life insurance, finance and physical services.

Insurance economist Sun Qixiang once sent a new career that started in insurance: you (HWP) should not be just a "messenger" in the hands of consumers, but it should be a unique care of insurance to give the insurance to the insurance to reach the insurance that reaches it to the insurance of insurance to reach The "angel" in the minds of consumers; you should be designers in the longevity of people in the longevity era, nutritionists with health needs, planners of wealth demand, and consolations of spiritual needs.

In accordance with the longevity era, relying on the Taikang plan, in 2017, the new profession of health wealth planners was born. In the past five years, the development of the health wealth planner project has made a rapid progress. The vocational training system and the growth system have led the industry. Through innovative development, it has attracted over 10,000 social elites to join. On June 25, 2022, the HWP brand ceremony of Taikang Life Insurance is about to be held. Standing at the new starting point, the HWP Health Wealth Planning Eligator and the new Basic Law and the new honor system officially released the brand to the whole society to fully display the potential energy of the HWP brand, Taikang's strategic advantages, and the direction of HWP career.

Under Taikang's medical care strategy, the "Happiness" series of products starts from customer insurance and health care needs, continuously expand the connotation and extension of insurance services, and innovate the insurance payment with medical care services seamlessly, and innovation Relying on its own investment strength and the layout of the pension community to empower resources, while solving the two major problems of pension funds and pension resources.

Specifically, at the elderly service side, at present, the Taikang House pension community has realized the layout of 29 pension communities in 26 cities across the country, serving more than 6,000 residents. In addition, each pension community is also equipped with a rehabilitation hospital, which is characterized by medical and nursing integration, and creates medical care and custody of emergency referrals, long -term care, preventive health and rehabilitation treatment with elderly medicine, and elderly medicine. Protection system.

On the medical service side, Taikang has deployed five major medical centers across the country, including Nanjing Taikangxian Forest Drum Tower Hospital, Taikang Tongji (Wuhan) Hospital, Taikang Southwest Medical Center (chip), Taikang Ningbo Hospital (chief) and Taikang Shenzhen Qianhai International Hospital (raised), the overall bed is over 5,000.

In fact, Taikang's House, Happiness, and HWP have become Taikang samples to deal with solutions in the longevity era. During the continuous touch and iteration of customer needs and service upgrades, Taikang Insurance's service system is becoming more and more complete, richer in connotation, and more rich in connotation, and also more rich in connotation. We ushered in market recognition and customer trust.

The butterfly change of the "three major pieces" reflects the improvement and upgrade of Taikang's service system. In this life, the quenching is strong. "Taikang's House, Happiness, HWP" is corresponding to the needs of people's pension, health, and wealth management, and enter millions of households.

This article only represents the author's point of view, and does not represent the position of this magazine.

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