Podcast Episode 3：Beyond Finance: Ping An’s AI for Personalized Senior Care at Home
As China’s population rapidly ages, Ping An is pioneering “Insurance + Home-Based Senior Care”, powered by AI and large language models (LLMs). It integrates healthcare, daily living support, and smart technology in one seamless ecosystem. This episode takes you inside that transformation through the story of one life insurance client when a medical crisis struck her mother. You’ll discover how a suite of technologies—from AI-driven telemedicine, smart speakers, fall-detection radar, and 24/7 health monitoring—is transforming seniors’ daily lives. We talk to Yao Yao, General Manager of Ping An’s Home-Based Senior Care, and Lin Bin, a veteran Ping An Life agent, who reveal how Ping An’s combination of AI technology and human services provides safety, dignity, and peace of mind for seniors and their families.
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Timecode
00:00-02:05
Real-Life Emergency Response: How a Ping An smart speaker and online doctor helped save a client’s life during a late-night medical emergency.
02:06-04:31
The Rise of Home-Based Senior Care in China: Understanding the “90-7-3” model and the needs of millions of seniors choosing to age at home.
04:32-06:38
The 3-in-1 Concierge Model: Doctor, Lifestyle, and Smart Concierges — providing integrated healthcare, daily support, and AI-driven convenience.
06:39-09:12
Smart Technology Integration: How Ping An uses smart devices to monitor health, detect risks, and deliver proactive care.
09:13-10:15
Ping An’s AI innovations: Introducing Ping An’s large language model applications, including AI companionship chats and AI memoir creation.
10:16-12:29
Personalized Care in Action: Case study of Ms. Chen and her mother — how AI, health data, and online doctors worked together for early intervention.
12:30-15:23
Data Privacy and Security: Ensuring financial-grade compliance and data protection for customer peace of mind.
FAQ
Q：What is Ping An’s “Insurance + Home-Based Senior Care” model?
A：It’s an integrated solution that combines life insurance with AI-powered home-based care. Using smart devices, online doctors, and lifestyle concierge services, Ping An provides 24/7 support — from health monitoring and emergency response to lifestyle assistance — helping seniors live safely and independently at home, while giving their families peace of mind.
Q：What is China’s “90-7-3” elderly care model?
A：The “90-7-3” model broadly describes how seniors in China prefer to live: about 90% choose to stay at home, 7% opt for community-based care, and 3% live in institutions. This reality highlights the growing need for home-based senior care solutions. Ping An’s “Insurance + Home-Based Senior Care” model directly supports this trend — providing seniors with the safety, independence, and comfort they need to age at home with AI-driven health monitoring and concierge support.
Q：How does Ping An use AI to enable proactive senior care at home?
A：Ping An integrates 26 types of smart devices, such as fall prevention radar, sleep monitoring mattresses, and smart watches, to monitor people’s vital signs and safety risks in real time. If abnormal behavior, such as a fall is detected, the system triggers its concierge to check in with the client and, if needed, alert emergency services.
Q：What is the “three-in-one concierge” service?
A：Ping An's 3-in-1 concierge service for home-based senior care consists of three types of concierges: doctor concierges, life concierges, and smart (AI-driven) concierges, who can be contacted via a tablet installed in the client’s home.
The smart concierge is an AI-powered intelligent system that supports direct voice conversations and handles daily tasks, such as placing video calls, managing calendars, sending alerts, and playing videos. It also links users to the doctor and lifestyle concierge services.
The doctor concierge, from Ping An Good Doctor, provides professional medical assessments, expert advice, remote diagnoses, and chronic disease management.
The lifestyle concierge acts as a personal assistant, available around the clock to meet seniors’ daily living needs, by connecting them to lifestyle services, such as rehabilitation, home safety, cleaning and cooking.
Together, they provide integrated healthcare, living, and leisure support, especially for seniors living alone.
The smart concierge is an AI-powered intelligent system that supports direct voice conversations and handles daily tasks, such as placing video calls, managing calendars, sending alerts, and playing videos. It also links users to the doctor and lifestyle concierge services.
The doctor concierge, from Ping An Good Doctor, provides professional medical assessments, expert advice, remote diagnoses, and chronic disease management.
The lifestyle concierge acts as a personal assistant, available around the clock to meet seniors’ daily living needs, by connecting them to lifestyle services, such as rehabilitation, home safety, cleaning and cooking.
Together, they provide integrated healthcare, living, and leisure support, especially for seniors living alone.
Q：How does Ping An personalize its eldercare services?
A：When a customer joins, Ping An builds a detailed health and home profile using medical records, data from wearable devices, and assessments. This allows doctors to access up-to-date info instantly during emergencies, and enables personalized care plans — from home safety upgrades to disease management.
Q：What are some of the innovative AI applications Ping An has built specifically for seniors?
A：Ping An uses LLMs to power:
oAI Companionship Chat
oAI Memoir Generator to help users record their life stories
These features show that AI can do more than monitor health — it can offer connection and enrich lives.
oAI Companionship Chat
oAI Memoir Generator to help users record their life stories
These features show that AI can do more than monitor health — it can offer connection and enrich lives.
Q：How does Ping An ensure customer data privacy and security in its AI-driven services?
A：Ping An adheres to strict financial data regulations and the Group’s own security standards. Customer consent is always obtained before data use, and virtual phone numbers protect personal contact details. Robust firewalls and compliance frameworks safeguard privacy while supporting safe, AI-powered personalized care.