The Operational Logic and Implementation Pathways of Health Insurance Empowering Healthy Aging

doi:10.19546/j.issn.1674-3830.2025.6.014

China Health Insurance ›› 2025, Vol. 0 ›› Issue (6) : 106-115. DOI: 10.19546/j.issn.1674-3830.2025.6.014

Commercial Insurance

The Operational Logic and Implementation Pathways of Health Insurance Empowering Healthy Aging

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Abstract

To advance the process of healthy aging and fulfill the objectives of the Healthy China initiative, health insurance has assumed an increasingly critical role in both institutional design and implementation pathways. This paper identifies three core models through which health insurance empowers healthy aging: health insurance plus health management, health plus insurance plus care, and health insurance plus insurance technology. Building on these models, it develops a “goal-mechanism-pathway” analytical framework that closely aligns healthy aging with the five strategic goals of the Healthy China initiative. This framework systematically explicates the operational logic of health insurance and identifies key mechanisms through which it contributes to enhancing health literacy, mitigating health risks, optimizing healthcare delivery, fostering innovation in the health industry, and strengthening institutional systems. In response to current challenges, the study further proposes three actionable pathways: establishing a system for improving health literacy among older adults; optimizing the distribution of health resources and workforce to reduce regional disparities; and dismantling data silos to facilitate coordination among multiple stakeholders. The study offers theoretical insights and policy recommendations to support the reform of China’s health insurance system and the advancement of healthy aging.

Key words

Healthy China initiative / healthy aging / health insurance / insurance technology / long-term care insurance

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The Operational Logic and Implementation Pathways of Health Insurance Empowering Healthy Aging[J]. China Health Insurance. 2025, 0(6): 106-115 https://doi.org/10.19546/j.issn.1674-3830.2025.6.014

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