AI-Driven Longevity Health and Pension Business Model Innovation: Based on the Integration of Insurance and Health Care

Abstract

Amid accelerating population aging and the advent of the longevity era, the traditional insurance and healthcare industries confront a host of prominent practical challenges. These mainly manifest as fragmented service systems, structural supply-demand imbalance, sluggish operational efficiency, and insufficient synergy in industrial value chain allocation. Powered by core digital technologies such as big data, machine learning, and intelligent perception, artificial intelligence is comprehensively reshaping the whole-industry chain logic of value creation, value delivery, and value capture in the integrated insurance and healthcare sector. It has further served as a core endogenous driver for the iterative evolution of business models in the industry. From an interdisciplinary perspective, this paper innovatively proposes the Longevity, Health, and Pension Life Symbiosis Theory and further constructs a systematic theoretical framework characterized by three-dimensional participants, double-loop nesting, and full-domain AI empowerment. Adopting the benchmarking comparative research method, this paper selects three globally leading health and pension institutions including Nippon Life (Japan), Brookdale (the United States), and ORPEA (Emeis) (France), and explores the localized practices of Taikang Life in the Chinese mainland. This paper systematically summarizes the operational features and development experience of domestic and foreign benchmark enterprises, explores the internal mechanism and typical application scenarios of AI-enabled business model innovation in the longevity, health, and pension sector, identifies key bottlenecks restricting industrial development, and accordingly puts forward targeted optimization approaches and operational countermeasures. The research conclusions can not only provide practical references for China’s insurance industry to deepen the integrated development of the health care industry and realize high-quality development relying on digital technology, but also supplement original theoretical support for the improvement of the people’s livelihood guarantee system in the longevity society.