谁在为老人买单（英文）

Who pays for ageing?Swiss Re Who pays for ageing? 1How the older population’s needs are funded and why opportunity exists for insurersThere’s no doubt that our growing ageing population could represent a major market opportunity for financial services. Of all the sources that help fund a longer life, insurance has only a single-digit share. If insurers want to increase their ageing business, they will need to find new ways to provide relevant and attractive new paths to financial security for older people, rather than purely fight for market share among traditional competitors.The ageing wallet analysis shows the starting point for insurers to win the hearts and minds of older consumers and their families, and become a larger part of the funding solution.2 Swiss Re Who pays for ageing? This study shows the total amount spent on people aged 65 and over to supply their income, provide for their health and social care, and cover the inheritance they aim to pass along. It covers six insurance markets in detail (Australia, China, Germany, Japan, the UK and the US). The study considers everyone who pays, across these three major sources:Executive summary1. Society: Care provided by the family and funding by the stateSociety bears the largest portion – approximately 70% (60% state; 10% family). Each of the six markets has a different mentality towards, and reliance upon, state provision. However, the costs of public provision are projected to become unsustainable if current policies don’t change in the face of demographic shifts and other factors, such as high sovereign debt. 2. Savings: Private pension assets and housingSavings account for a quarter of the ageing wallet. Though small in comparison to society’s share, private savings are increasingly important. As wealthier people tend to preserve their savings to guard against uncertainty and unknown long-term needs, they often don’t reinvest in, and benefit the overall economy directly. 3. Insurance products: Annuities and medical coverInsurance has a fractional share of the ageing wallet – around 5%. Today the industry is generally focused on selling products like annuities and attempting to create a market for traditional long-term care insurance.These results differ by market, from more social reliance in Germany, to more family focus in China, to more private savings in the US. Nevertheless, society holds the lion‘s share across all markets.USAJapanGermanyAustraliaUKChinaSwiss Re Who pays for ageing? 3The current funding system will find it harder to meet the needs of our “new” older society. An uncertain life expectancy, increasing health and care needs, and other sociodemographic trends will bring substantially higher costs. More people will be vulnerable to lower standards of living due to insufficient funds available in case of major personal catastrophes such as chronic disease. Re/insurers can provide relevant and useful solutions that are accessible to consumers, mitigate some