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Chinese multi millionaires preferences for Retirement

70% of Chinese High-Net-Worth-Individuals (HNWIs) interested in retirement townships.

 

Healthcare facilities are the key factors for the success of premium retirement townships development.

 

 

On 24 September 2015, the Retirement Planning and Healthcare of Chinese HNWIs 2015 report is released through Hurun Report.  This 60-page report is based on a study of 1119 High Net Worth Individuals (HNWIs) from 35 regions across China, and 40 one-to-one interviews with HNWIs in the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen. It highlighting the needs and concerns of the Chinese HNWIs on retirement planning and healthcare.

According to the report, 70% of HNWIs interested to know more about the high-end retirement township development. Among all requirement, Professional Healthcare ranks as the most important consideration.

 

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Individuals with CNY 10 million grow a record high.

Hurun Report also mentioned that, as of May 2015, there were 1.21 million mainland Chinese individuals with personal wealth of CNY 10 million or more, an increase of 120,000 from the previous year, a record growth rate of 11%. There are total assets of US$9.5 trillion possess by these 1.21 million of mainland China’s HNWIs.

Based on the population size of Chinese HNWIs, the market development of premium insurance products, healthcare solutions and needs of the aged is expected to grow fast.

In addition, the Individuals with CNY 10 million are only 40 years old on average, whilst the average age of individuals with CNY 100 million is 44. The male to female ratio is 6:4. The average annual disposable income marked at US$400,000 per household, or US$470 billion in total disposable annual income.

The survey also revealed that 98% of respondents managing their wealth through cash deposits and real estate investments. Followed by Insurance and financial investment products, preferred by more than 70% of Chinese HNWIs. The other choices are to invest in art (31%) and 20% in VC/PE.

Apart from work, HNWIs in China are most interested in financial investments. Recommendation from friends or relatives is the main source of information.

 

Most HNWIs buy insurance as a safety net rather than as an investment tool.

90% of China’s individuals with CNY 10 million currently own life insurance products. The average premium paid by each individual is US$5,800, and the total annual premium paid by the HNWIs group reached US$6.3 billion, constituting 4% of China’s total life insurance purchases.

work-876998_640 by isay777Of HNWIs who owned life insurance products, 90% purchased medical insurance, 82% endowment insurance, and 73% accident insurance. This indicates that most HNWIs buy insurance as safeguard approach rather than an investment tool. Among the 90% who own life insurance, they recognized its importance, scoring it on average 7.9 out of 10. The wealthier they were, the more importance HNWIs place on life insurance.

An important factor influencing HNWIs to buy life insurance is recommendations from relatives and friends. This is also their most frequently consulted and most trusted channel for obtaining life insurance information. As their age increases, their level of trust and reliance on this channel grows. Other channels of information include insurance companies, official websites and sales persons.

The value-added services that HNWIs expected the most from insurance companies are health checks and fitness programs. Experts felt that life insurance companies should strengthen their value-add services prior to case of incidents, rather than pending for insurance claims.

 

More than 70% of respondents expressed their great interest in premium retirement townships.

Among the respondents, 45% believed they would move into these townships. Males are more interested than females and the younger the respondents, the higher the interest on retirement townships.

operation-theatre-555088_640 _by ZahidJavaliThe professionalism of healthcare facilities and personnel of these retirement townships is the main factor to attract attention of HNWIs. Follows next are food & beverages, regular body check-up, leisure activities, natural environment and fitness facilities, with the ratio of average reaching 50%.

Individuals with wealth CNY 100 million’ concerns are slightly different. They care more for natural environment, followed by professional healthcare personnel, food & beverages, medical treatment facilities and care during recovery. This group of HNWI pay more attention on factors related to medical treatment and wellness.

The report shows a surprising discovery that friends were more in demand than children for companion after retirement. Therefore, the tradition of three generation living together under one roof will soon undergo a change. The ideal retirement place for HNWIs is no longer the busy downtown. Instead, residential districts with sound infrastructure facilities, near by natural environment are more preferred. The HNWIs are more prefer to tour & travel, enriching their lives in old age.  With this in mind, it shows that these HNWIs have higher expectations regarding to the quality of their retirement lives, desiring a richer spiritual level.

HNWIs have various financial resources for retirement expenditure, with 90% spending their personal savings or investment balances. While financial source from property, pension and commercial endowment insurance make up more than 60% each. An average of 2.7 people per family purchased commercial endowment insurance, with average annual premiums of CNY 150,000. Moreover, for a commercial endowment insurance value added service, HNWIs generally want to enjoy premium healthcare services, including body check-up, health management, and suitable dietary plans.

 

The Needs for Private hospitals and private doctors continue to increase rapidly.

Public hospitals are the first choice for HNWIs seeking for medical solutions, especially those level III public hospitals. It is predicted that Chinese HNWIs are mostly inclined to try private hospitals in the next three years, with 54% choosing Chinese private hospitals and 48% international private hospitals.

Currently, the percentage of HNWIs consulting private doctors is very low, at just 5% and 8% of individuals with CNY100 million wealth. However, the overall satisfaction level with private doctors reached a high level of 80%, with more than half of them being rated “Very Satisfied”.

In addition, the survey shows that the HNWIs are concern about the level of advancement of the medical facilities, specialization, the physicians’ experience and the reputation of medical centres. Next follow by the classification level of the hospitals, the overall quality of services and the geographical location. Individuals with CNY 100 million place more emphasis on doctors’ level of attentiveness.

The percentage of HNWIs buying health insurance has hit 80%. The cash flow guarantee during critical illness is the main reason they purchase health insurance, with a proportion of 70%.  Individuals with wealth worth CNY 100 million comparatively have higher consciousness towards wellness and medical treatment, their desire to buy health insurance is more than 50%.

 

The “Retirement Planning and Healthcare of Chinese HNWIs 2015” report is jointly released by Taikang Life and Hurun Report Inc. Article above published on Monde Journal in collaboration with Hurun Report Inc.

 

超七成高净值人群对中高端养老社区感兴趣

医疗是决定中高端养老社区成败的关键所在

 

于2015年9月24日, 通过胡润研究院发布 发布了《2015中国高净值人群医养白皮书》(Retirement Planning and Healthcare of Chinese HNWIs 2015)。 这份60页的专业报告是中国首份针对高净值人群养老和医疗需求的专业报告。调查结果来源于对1119位中国大陆高净值人士的定量研究,以及对北京、上海、广州和深圳四个城市的40位高净值人士和专家的一对一定性深入访谈。该白皮书显示超七成高净值人群对中高端养老社区感兴趣,而医疗成为决定中高端养老社区成败的关键所在。

 

千万高净值人群增长率达历年之最

截至2015年5月,中国大陆千万高净值人群数量已达121万,同比增长11%,为历年之最。在这一庞大的人群基数上,未来高端寿险、养老和医疗行业将迎来一个快速发展期。

调查发现,中国大陆千万资产人群平均年龄40岁,亿元资产人群44岁,高净值人群男女比例为6:4。高净值人群总资产达到60.5万亿元,平均家庭年可支配收入255万元,家庭年可支配收入总量为3万亿元。高净值人群最主要的投资理财方式是存款和不动产投资,98%的高净值人群使用这两种方式进行投资理财;其次超过70%的选择保险和金融投资产品;31%会投资艺术品,20%选择VC/PE 。

高净值人群在工作以外,最感兴趣的话题是金融投资。朋友或亲戚推荐则是高净值人群获得投资理财信息的最主要渠道。

高净值人群购买保险更多出于保障目的

90%的千万高净值人群即109万人拥有商业寿险,平均每人年交保费3.7万元,年交保费规模达到400亿元,占全国人身险总额的4%。亿元高净值人群平均年交保费接近10万元。

在拥有商业寿险的高净值人群中,90%拥有医疗保险,82%拥有养老保险,73%拥有意外保险,可见高净值人群购买保险更多是出于保障目的,而非投资手段。这一人群对于寿险的重要性是非常认同的,平均达到7.9分(10分制)。资产级别越高,对寿险的重视程度越高。

调查显示,亲戚、朋友的推荐是高净值人群在购买寿险时考虑的重要因素,同时也是他们获得寿险信息的主要渠道和最信赖的渠道, 而年龄越大,对于该渠道的信任度和依赖性越强。其次重要的渠道是保险公司,包括官网、销售人员等。

高净值寿险用户最希望保险公司提供的增值服务是健康体检和运动健身。这一需求与定性访谈中的专家意见非常相似。专家认为寿险公司应该加强出险前的服务,增加出险前的干预,而不是在出险后进行理赔,尤其对于健康保险更应如此,因此提升健康的增值服务,显得尤为重要。

超过七成高净值人群对中高端养老社区感兴趣

中国高净值人群对于中高端养老社区的感兴趣程度高,表示感兴趣的比例超过七成,入住的可能性也达到45%。值得一提的是,男性比女性的感兴趣程度更高;年龄越轻,对中高端养老社区的感兴趣度也越高。

调查发现,专业的医疗(包括医疗设施及护理人员)是中高端养老社区吸引千万高净值人群的最主要原因,也是决定中高端养老社区成败的关键所在;其次是膳食管理、定期体检、娱乐活动、自然环境和健身活动设施,其比例均超过五成。亿元高净值人群的关注点有些不同,他们最看重的是自然环境,其次是专业的医疗护理人员、膳食管理、医疗设施和病后护理,由此可见,亿元高净值人群在选择中高端社区时更看重的是与其医疗养生更为相关的因素。

对于高净值人群的养老观念,报告也有一些有趣的发现,如高净值人群在养老伙伴的选择上,更加青睐朋友,而非子女,传统的三代同堂的局面预计将很快发生转变;理想的养老场所,也不再是繁华的市中心,取而代之的是亲近大自然的近郊住宅和生活配套完善的居民住宅小区。对于养老生活的安排,相较于其父母,高净值人群更向往通过旅游、丰富的娱乐活动来充实自己的老年生活,对养老生活的质量要求更高,精神追求的层次更丰富。与儿孙同住、享受天伦之乐已经不是高净值人群考虑的主要因素了。

高净值人群在养老费用上也有多种来源,有九成主要来源于个人存款/ 投资结余,个人房产、退休金和商业养老保险也各占六成以上。高净值家庭平均每户有2.7人购买商业养老保险,年均总保费为15万元。对于商业养老保险的增值服务,高净值人群普遍希望加入高端医疗服务,包括高端体检、健康管理、膳食配比等。

私立医院和私人医生需求快速增长

虽然公立医院仍是高净值人群就医的首选,尤其是公立三级医院,但调查发现,私立医院将成为未来三年内中国高净值人群最可能尝试的医疗机构,其中54%选择中资私立医院,48%选择外资私立医院。

目前私人医生尚未普及,千万高净值人群使用私人医生的比例仅5%,亿元高净值资产人群中也仅8%,但是受访者选择在未来三年内尝试该服务的比例达到四成,尤其是一线城市达到44%。值得注意的是,私人医生整体使用后满意度高达80%,非常满意的人数超过一半。这一结果体现了高净值人群对医疗服务的全面性、针对性和隐私性的高度要求。

调查还显示,高净值人群就医时注重的因素分别是医疗设施的先进程度、医院的擅长领域、医生的资质经验和医院的口碑,其次是医院的级别,再接下来是整体的服务质量和医院的地理位置。亿元高净值人群更注重医生的细心程度。

高净值人群购买健康保险的比例达80%。重大疾病现金流保障是购买健康保险的最主要目的,占比超七成。亿元高净值人群由于对健康和医疗的意识较强,主观意愿购买健康保险的比例超过五成。

 

《2015中国高净值人群医养白皮书》由泰康人寿与胡润研究院联合发布。Monde Journal 配合发布以上文稿。

 

2015中国高净值人群医养白皮书》  研究摘要

投资理财方式

感兴趣的话题、兴趣爱好

寿险重要性

商业寿险信息渠道

中高端养老社区感兴趣程度

三年内选择的医疗机构

使用私人医生的原因

就医时注重的因素

 

商业健康保险购买目的

商业健康保险不足之处

中国高净值人群数量与增长率

 

中高端养老社区、定制化的医疗服务以及互联网保险模式将成为未来的趋势。

养老保险方面,鉴于高净值人群的大量养老需求以及国家养老政策的双重影响,高端商业养老保险受到关注。虽然目前各个保险公司都在为此努力,但就结果来看,真正有实质性进展的保险公司寥寥。突破保险行业的定期寿险、两全保险等储蓄类产品同质化、单一化等问题,将是保险公司最重要的任务。另外,进一步完善养老金积累、增值,加强养老保险的特色增值服务以及创新性建设中高端养老社区及其配套服务,将会是保险公司服务高净值人群的必然趋势。

健康保险方面,保险公司应加强与第三方机构更深度、更紧密的合作机制,从而建立“健康教育、健康预防以及健康管理”多维度的产品服务模式,以满足高净值人群定制化、一体化的服务需求。

此外,互联网保险依据当前“互联大数据”模式背景,成为未来保险业的主要发展方向。对于保险公司来说,可依据互联网,将保险售前、售中和售后全流程的各环节融为一体,以此拉动销售、降低成本,并提高服务水平与效率。从高净值客户来看,可以通过互联网来进行更快捷、更透明的服务与支持,避免因环节过多而导致的效率低、体验差等问题。

 

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养老伴侣

 

高净值人群健康困扰

《2015中国高净值人群医养白皮书》由泰康人寿与胡润研究院联合发布。Monde Journal 配合发布以上文稿。

 

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