Analysis on the Retirement Model of “Medical Combined with Nursing” for Commercial Insurance Companies to Cope with the Demographic Situation in China

China’s population is characterized by an aging problem and a widespread situation where elderly people live with illnesses, which leads to a constant increase in the demand for medical and nursing resources among the elderly. In 2014 September, National Development and Reform Commission jointly with the Ministry of Civil Affairs, the Ministry of Finance and nine other departments jointly issued the “Notice on Accelerating the Promotion of Health and Elderly Services Project Construction”, formally referred to the “medical combined with nursing” expression for the first time. Since then, various industries have been actively exploring the retirement model of “medical combined with nursing”, the insurance industry has also been actively participating in exploring the layout. The retirement model of “medical combined with nursing” can integrate medical and nursing resources to effectively address the reality of China’s demographic situation. In this context, this paper analyzes the participation of China’s commercial insurance companies in the retirement model of “medical combined with nursing” and puts forward optimization suggestions.