Three major problems plague the development of the pension industry
Who will "gnaw" Beijing's 100 billion pension market
According to data from the Municipal Aging Association, the size of the aging consumer market in Beijing will reach 100 billion yuan in 2020, which means that there are huge service opportunities, consumption opportunities and opportunities for industrial development. How to accelerate the development of Beijing's pension industry? What are the problems for practitioners from the frontline of the pension industry? What are the suggestions of the Beijing CPPCC National Committee?
Trouble 1
Medical insurance does not cover medical insurance
Elderly people can't enter the nursing home and enter the hospital
Fengtai Yiyang Rehabilitation and Elderly Care Center is an old-age care institution with medical services and after-care, integrated medical and nursing care. This year, it also signed a medical and nursing care integration agreement with Beijing Geriatric Hospital, forming an integration from basic medical care to old-age care to health management Services, to create a full-age health integrated service from the community ’s energetic elderly to the institutionally disabled elderly.
"We have encountered many such situations in our work. Many disabled elderly need medical professional care most, but they often like to live in hospitals. Why? Because in hospitals, bed fees can be reimbursed, nursing expenses can be reimbursed, laboratory fees, The inspection fee can be reimbursed ... "Shi Yingxiu, director of the Fengtai Yiyang Rehabilitation and Elderly Care Center, said that some old people do come to the time when they need peaceful treatment and hospice care, but they still occupy resources in the hospital and increase the medical burden.
What is it that prevents the elderly from enjoying peaceful treatment and hospice in the nursing home? It is an important factor that the medical insurance policy is not opened. Shi Yingxiu suggested that long-term care insurance should be used to solve the in-home care and community-based care services of the generalized care system and the combination of professional medical and nursing services. While increasing and promoting long-term care insurance, hospice care and tranquility care provided by pension institutions should be Services are included in medical insurance, and a combination of medical care and care between elderly care institutions and hospitals is established to form a "top-down, bottom-up" smooth path, which can not only better serve the elderly, but also avoid crowding out hospitals. Resources, let the doctors return to the doctors, raise the parents, reduce the pain of the elderly to the greatest extent, reduce the pressure of the family, let the medical institutions at all levels and various types of old-age institutions function, and maximize the allocation of social resources.
Bother 2
The old-age care center and the post are "split"
Lack of services while lacking paths
Haidian Yaoyang Senior Care Service Center is an elderly care service organization with the trinity of institution, community and home as its operation mode, that is, with the support of the institution, the community as the platform and the home as the foundation.
"In terms of institutional old-age care, our main targets are elderly people with disabilities, dementia and social protection. The average age of the elderly people staying is 86 years old." Said Hao Yuanyuan, director of Haidian Yaoyang Senior Care Service Center. Established its own senior university in the community, through cultural, educational, publicity, health care and other activities, including elderly meals, to attract elderly in the community to the elderly service center. After the community service was launched in January 2019, the annual The service volume of recreational activities and publicity activities can reach more than 20,000 person-times, and the annual table service volume of the elderly table can reach more than 15,000 person-times.
"Now there is at least one care center in every street in Beijing, which not only undertakes the functions of institutional old-age care, but also undertakes the function of community home radiation service. However, many care centers are separated from the old-age inns of various communities in the streets, and lack of services. An effective path into the community. "Hao Yuanyuan said that the post, as the name suggests, should be a system, but the reality is that a large proportion of the post is still fighting alone.
"Posts are small in size, and many postes use the space provided by the government, but because of the high cost of fighting alone, it is difficult to provide effective services for the elderly. The phenomenon of the door can be a waste of government resources." Hao Yuanyuan It is suggested that towns and towns should be used as the basic unit to coordinate service resources, build a system of operating modes for elderly care centers—posts, integrate and develop all the elderly-related services of institutions, communities, and homes to form a game of service.
Trouble 3
The burden reduction policy of chain pension institutions is not detailed
Water, electricity, heat and other expenses are also charged according to commercial
Zhang Yu, chairman of the Beijing Longzhen Pension Service Center, which invests and operates 24 care centers and stations of various sizes in Beijing, said that as a general-purpose pension agency that mainly receives elderly people with disabilities, he hopes that the government ’s relevant policies More attention should be given to community pensions.
"We pay the water and electricity bills, and now we have to hand over the money to the property. The property says whether you do pension or not, because what I want to pay is commercial expenses, so we will definitely charge you the commercial price." Zhang Yu said, The government has been proposing various policies to reduce the burden of taxes and fees for old-age services, and it should be further refined during implementation. Many old-age care institutions operate at low profits, especially the old-age station, and many service projects are free of charge, and now many community old-age care institutions still use the property's hydropower, so the pressure of solving the cost of water, electricity and heat can also be used by the old-age care institutions Help.
■ Authoritative release
The aging consumer market will reach 100 billion yuan
Data from the Civil Affairs Bureau and the Municipal Aging Association show that as of the end of 2019, Beijing ’s permanent resident population reached 3.713 million, accounting for 17.2% of the city ’s permanent population, and the proportion of the elderly in the registered population exceeded one quarter. There are a large number of elderly people in urban areas, accounting for two-thirds of the city's elderly population, with a higher degree of aging, more diverse needs for old-age care, more strained resources for old-age facilities, and more serious problems of urban old-age care.
On February 4, 2020, the National Bureau of Statistics announced the "Statistical Classification of Pension Industry (2020)", which determined the scope of the pension industry. The consumption potential of the aging industry in Beijing is huge. About 45% of Beijing ’s 60-65-year-olds are still employed and receiving wages. 42.8% of the elderly population has savings. Most of the elderly will also receive a part of their alimony from their children. A survey of urban elderly people ’s needs for community care found that 72% of the elderly people have needs for nursing services, and more and more people tend to choose nursing homes or day care centers for old-age care. The consumption concept of the elderly has changed from a "saving and shrinking food type" to an "easy and enjoyable type", and the elderly with the consumption ability are also willing to spend more money to enhance the happiness in their later years. It is estimated that the size of the aging consumer market in Beijing will reach 100 billion yuan in 2020, which means that there are huge service opportunities, consumption opportunities, and opportunities for industrial development.
■ Visit immediately
Incorporate aging industry development into government economic and social development plans
How to make the aging industry develop healthily? Let the elderly enjoy better elderly care services? The reporter learned from the CPPCC that the holding of consultation roundtables and special consultations on "accelerating the development of the city's pension industry" have been included in the main points of the CPPCC Standing Committee's work in 2020, and the CPPCC Social and Legal Committee will take the lead in carrying out relevant research work. In view of the current development of Beijing's old-age industry and the problems encountered in the operation of various old-age institutions, the research team believes that the current development of the old-age industry in Beijing has imperfect relevant policy systems, inadequate service resources, uneven supervision methods and development situations. problem.
The members of the research group suggested that the aging industry policy system should be improved, the aging industry development should be included in the government's economic and social development plan, and the near-term, medium-term, and long-term development plans for the aging industry should be formulated, and the priority industrial development catalogue should be determined in accordance with the overall urban planning. Explore the establishment of an aging industry development index system and evaluation standards, serve to guide macro-control and guide social expectations. "For example, to deepen the construction of a long-term care security system, explore the inclusion of eligible rehabilitation, long-term care, tranquility care items and related medicines in the medical insurance catalog, and explore a pay-per-bed model to further improve the elderly ’s ability to pay and guarantee levels, and further Deepen the implementation of relevant preferential policies. "A member said.
Some members also suggested that the positioning of elderly care services should be clarified and the property positioning of elderly care services should be redefined. That is, the long-term care groups such as the disabled and demented elderly and severely disabled persons should be identified as public service targets, and the long-term care services provided for them should be determined. To serve the public, define the fundamental task of providing services for the elderly. It is clarified that the basic services in long-term care services are public welfare, especially strengthened in the nearest supply, and it is clear that the more diverse, personalized and higher-quality service supply based on the above is a market feature. It is also necessary to clarify the targets of basic old-age care services and the goals of basic old-age care services in Beijing. It is recommended that the citizens of the whole city be guaranteed and expected to effectively obtain basic long-term care services during the disability period by 2035. Our reporter Sun Ying
Beijing Pension Industry Ledger
Pension service
The city has filed and operated 682 old-age care service institutions, including 530 old-age care institutions, and 152 community old-age care service stations with temporary care for the elderly, housing 48,000 old people. The average occupancy rate of old-age care institutions in the city is 40% to Between 50%. At present, it supports the construction of 310 street township old-age care centers, and a total of 220 have been built and operated. At the community level, the government provides facilities free of charge, and the service providers operate the low-paying community to build community elder care service stations and build a total service desk for community home elder care services. At present, 1,008 stations have been built and operated.
"Internet + Medical" service
Beijing is the first country in the country to propose an Internet home care service catalogue, and pilot Internet + care services in Dongcheng, Chaoyang, and Shijingshan. In 2019, each online platform provides a total of 20,000 Internet home care services through offline medical institutions.
Healthy aging
Beijing builds an elderly health service system and promotes healthy aging. Up to now, there are 179 medical institutions in the city ’s old-age care institutions, and all old-age care institutions and medical institutions have established a 100% docking relationship. We promoted the transformation of a total of 19 public medical institutions from three batches to rehabilitation institutions, and pioneered the establishment of elderly-friendly hospitals nationwide. A total of 71 hospitals in the city passed the acceptance.
Long-term care insurance
Long-term insurance in Shijingshan District has been steadily advancing on the basis of the three streets in its jurisdiction. More than 210,000 insured persons have provided services to 253 severely disabled persons who meet the conditions of care. Haidian District has increased the proportion of government subsidies for individual insurance from 20% to 30%. Individuals with disability nursing mutual insurance have 511 insurers, with a premium of 1.47 million yuan. The government fully subsidizes 5,884 people with a premium of 14.39 million yuan.
Elderly consumption environment
Taking "Beijing Yinfa Consumption Month" as a starting point, it has joined more than 200 companies to participate, covering 25 streets and communities in 7 districts. Participating companies received 20,000 elderly consumers, and entered the community, enter post and other activities. The rate reached more than 15%.
Elderly living environment construction
Up to now, 243 old communities in the city have been comprehensively renovated, and 1,462 elevators have been installed in old buildings. Vigorously promote the construction of barrier-free transportation facilities and service systems. As of 2019, of the 17,541 public buses and buses in Beijing's municipal bus companies, 12,732 were urban barrier-free buses, accounting for 72.58% of the total number of urban buses.
(Data from the Civil Affairs Bureau and the Municipal Aging Association)