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发力大健康产业 保险开启医养结合新模式

2017-07-07 18:31:05   经济参考报

不仅有装修轻奢的房间,还配有健身房、SPA、游泳池、美发沙龙、禅修室、卡拉OK、乐活剧场、自助餐厅……这不是五星级酒店,是上海首个大规模医养融合的养老社区“泰康之家·申园”。作为全国老龄化最为严峻的地区之一,上海的养老难题一直备受瞩目。泰康作为传统保险机构,自2009年获批首先在保险业进行养老社区的试点以来,“保险+医养”战略成为泰康的重中之重,医养结合的泰康养老社区模式,成为业界样本。

此外,国寿、太平保险、合众人寿等险企也都在进军养老社区,发力大健康产业。分析认为,医养结合的新型养老模式,有利于满足多层次、多样化健康养老服务的需求,但在具体操作中,也还存在一些问题和短板。

从老有所养到医养结合

解决养老问题,无论居家养老还是机构养老,除了老有所养,还迫切需要老有所医。往返接送、陪诊、照护,对老龄化家庭而言,老有所医所面对的时间、精力成本成为一大烦恼。

最新数据显示,2016年,上海60岁及以上老年人口已达458万,占户籍总人口比例超过31%。与此同时,上海70岁以上老年人中有62.2%亟须医疗服务,但在全市700多家养老机构中仅有244家设立了医疗机构,约占养老机构总数的34.8%。

针对越来越迫切的养老需求,上海确立了“9073”养老服务格局,也就是“90%老人在家庭养老、7%依靠社区养老、3%依靠机构养老”。与此同时,医养结合的新型养老模式在上海等老龄化城市开始出现。

目前,医养结合有三种主流模式,第一种是医联体模式,即养老社区自己不建医院,跟其他的公立医疗机构合作的模式;第二种是养老机构里设置医务室,提供基础性服务覆盖一些小病和常见病;第三种就是“泰康模式”,即在养老社区配建一个以康复老年病为特色的综合医院,以大专科小综合为特点的综合医院,主要集中于老年康复、老年的全科慢病及日常病的健康管理和家庭保健、老年的急救三大系统。

“把医疗机构开到养老院里”,泰康的养老社区把医养结合落到实处。据了解,泰康已先后在北京、上海、广州、三亚、苏州、成都、武汉、杭州等八个全国重点城市投资建设大规模、全功能、国际标准的医养社区。同时,进军医疗产业,成功运营燕园康复医院、申园康复医院、粤园医疗中心。

泰康保险集团董事长兼首席执行官陈东升介绍说,泰康着力创新,将虚拟的保险和实体的医养结合。目前已确立了三大闭环发展战略,将健康险与医疗体系相结合,构建以人寿保险为基础、大健康为核心的新型生态产业集群。

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