智慧居家照護之商業模式與可行性分析：以居家長者為例

Abstract

「高齡化」及「少子化」兩股浪潮席捲全球，台灣亦將於2025年步入超高齡社會，這代表著青壯年的生活更沉重，也成了社會經濟惡化的隱憂，甚至威脅著高齡者及其子女(或照顧者)的身心健康。雖然我國政府針對失能、失智及行動不便中高齡者提出長期照護計畫，但仍有七成多高齡者因條件歸屬而無法納入照護，其中更有近半數高齡者面臨嚴重的「安居」問題。基於上述問題，本研究將針對高齡化照顧議題，以居家長者為例，建構一套智慧居家照護創新產品及商業模式，發展一種符合老人宅經濟、健康及安全的居宅模式。透過PESTLE分析、顧客價值主張圖、波特五力分析法等分析工具，以多元視角剖析照護產業的剛性需求及市場機會，擬定智慧居家照護系統的發展藍圖與商業模式，並以小規模市場之運營財務模擬作為商業模型可行性評估。最終將整個產品設計概念及商業策略，與兩位智慧醫療之專家進行面對面之訪談，探究智慧居家照護系統在產品設計概念及商業推動構想是否存在分析盲點。研究分析及財務模擬結果顯示，智慧居家照護系統的構想符合個人及高齡化社會的期待，亦符合未來5~10年的照護產業需求，技術內涵上也與全球的技術發展趨勢吻合，具發展潛力。商業模型在小規模市場之運營財務模擬下，趨勢曲線為正成長，研判此套智慧居家照護「B2C」商業模式，將符合高齡者對於「居家」期待；「訂閱制」的照護支出符合大部分高齡者及其家人的經濟負擔能力；智慧居家照護系統係是一整合型照護服務生態系統，除了可讓高齡者沉浸在多元照護及生活援助服務，預期可為營運帶來收益。With the advent of “Aging” and “Lower Birth Rate” in the world, Taiwan will become a “Super-Aged society” in 2025, which means that the lives of young adult will be heavier as it brings economic deterioration in the society and even threatens both physical and mental health of the elderly and their children (or caregivers). Although Taiwan government has proposed a long-term care program about the disabled, the dementia and the mobility-impaired for middle-aged and elderly people, there are still over 70% of the elderly who cannot be included in the program, in which nearly 50% of the elderly are currently confronted with severe problems for settling down in Taiwan.Based on issues mentioned above, this study not only investigates Aged care issues through cases of Home-based Aged Care, but also aims to establish a set of innovative products and business models for Smart Home Care, and to develop an economical, healthy and safe living model for the elderly.By PESTLE Analysis, Value Proposition Canvas, Porter Five Forces, it is multi-dimensional to identify market demands and opportunities, and develop blueprint along with business models for the Aged care industry. Further, the operation and Financial Models simulation of small-size marketing is used as the feasibility assessment of the business model. Finally, face-to-face interviews were conducted with two smart medical experts on the entire product design concept and business strategy in order to explore whether there are blind spots in the product design concept and commercial promotion concept of the Smart Home Care System in the study.Research analysis and Financial Models simulation results show that the concept of Smart Home Care System meets the expectations of individuals and the Aging society, and also meets the demands of the care industry in the next 5 to 10 years. The technical is also consistent with the global technological development trend with development potential. Under the operating Financial Models of small-size marketing of this business model, the trend curve is positive growth. Therefore, the “B2C” business model of this Smart Home Care System is predicted to meet the expectations of the elderly for “home” in the future; while the expenditure of the “Subscription Model” can best meet the affordability of the elderly and their families. The findings provided insights into the Smart Home Care System, which is a comprehensive care service ecosystem that allows the elderly to immerse themselves in multiple care and life assistance services, and is expected to bring benefits to the operation.