商业养老保险
commercial endowment insurance
按照兜底线、织密网、建机制的要求，全面建成覆盖全民、城乡统筹、权责清晰、保障适度、可持续的多层次社会保障体系。全面实施全民参保计划。
We will act on the policy requirements to help those most in need, to build a tightly woven safety net, and to build the necessary institutions, as we work to develop a sustainable multi-tiered social security system that covers the entire population in both urban and rural areas, with clearly defined rights and responsibilities, and support that hits the right level. We will work to see that everyone has access to social security.
——2017年10月18日，习近平在中国共产党第十九次全国代表大会上的报告
12月30日召开的国务院常务会议提出，要积极发展社会服务领域商业保险，为更有力应对老龄化提供支撑，满足群众其他保险保障需求。会议提出，加快发展商业养老保险，优化养老保险结构。
China will actively promote the development of commercial insurance in social services to provide stronger support for the aging population and cater to public demands for other types of insurances, the State Council’s executive meeting decided on Monday. It was agreed at the meeting that commercial endowment insurance will be developed at a faster pace and the overall pension insurance structure will be refined.
2019年12月30日召开的国务院常务会议提出，加快发展商业养老保险，优化养老保险结构。借鉴国际经验，支持开发多样化的养老年金保险产品和适应60岁以上老人需求的医疗、意外伤害等保险产品。加快发展商业长期护理保险。
会议提出，大力提升商业保险产品和服务质量。鼓励保险机构适应消费者需求，提供涵盖医疗、照护、生育等多领域的综合性保险产品，逐步将医疗新技术、新产品等纳入健康保险。发展面向低收入人群和新业态从业人员的保险产品。
- 社区养老
community-based elderly care - 社会保障体系
social security system - 基本养老保险制度
basic pension schemes