长寿红利：健康与财富挂钩的商业案例

The Longevity Dividend:The Business Case for I N S I G H TR E P O R T Contents Foreword Executive summary Introduction 1Longevity across the lifespan 1.1Caregiving: The cost of unpaid work1.2Ageism: The cost of age-related workplace barriers 2The prevention pay-off 2.1Falls prevention2.2Physical activity and type 2 diabetes Conclusion Longevity dividend: Calls to actionMethodologyContributorsEndnotes DisclaimerThis document is published by the World Economic Forum as a contributionto a project, insight area or interaction.The findings, interpretations andconclusions expressed herein are a resultof a collaborative process facilitated and ©2026 World Economic Forum. All rightsreserved. No part of this publication maybe reproduced or transmitted in any formor by any means, including photocopying Foreword Graham PearceSenior Partner, GlobalDefined Benefit Segment Haleh NazeriLead, Longevity Economy, –On average, a single year of caregivingcombined with the impact of the gender paygap can reduce a woman’s retirement savings The world is sitting on a multitrillion-dollaropportunity to reduce public and private spendingandimprove the well-being of populations. Seizingthat opportunity has nothing to do with artificialintelligence, energy transitions or geopolitics.Instead, several modest, low-tech interventions,such as fall-proofing homes, increasing physicalactivity and expanding access to hearing aids, –Fall-proofing the world’s homes with low-techsolutions, such as rug tape, stair lighting andgrab bars, would spare global healthcaresystems $5.4 trillion by 2040, while requiring –“Younger” countries such as Nigeria, Indonesiaand Viet Nam face some of the steepestlongevity transitions ahead, with rising rates oftype 2 diabetes and ageing populations arriving Too often longevity is depicted as a demographicproblem that afflicts a handful of countries withageing populations, such as Japan or Croatia, or it isseen as a balance-sheet challenge for pension fundstrying to reconcile growing obligations to retirees with The common thread through these findings is thatphysical and financial health are inseparable, eventhough global institutions tend to frame them inisolation. This report seeks to make a business case The World Economic Forum, in partnership withMarsh, has collected data on 21 countries, and thequantitative analyses tell a different story. Longevityis not about getting old. Rather, it representsone of the most consequential, addressable and The Longevity Dividend: The Business Case forLinking Health and Wealth, our third report inthe World Economic Forum’s longevity series,presents quantitative analysis demonstrating whatsocieties stand to gain when health and wealth areaddressed as one challenge and opportunity. It The findings present a compelling business case forleaders in both government and the private sectorto act now with several simple interventions that Executive summaryThree low-tech interventions could save the world’s healthcare systems upwards of$5.8 trillion and unlock another $645 billion Just three simple and affordable changes candeliver handsome financial benefits: fall-proofinghomes with rug tape and grab bars, increasingphysical activity and expanding access to hearingaids. This insight underscores the business case forunderstanding longevity not as a problem of old agebut as an interlocking question of lifelong physical economic opportunities of the next two decades,an opening for countries across the demographic The Longevity Dividend: The Business Case forLinking Health and Wealthdismantles the silosseparating health and wealth that have impededprogress and innovation. The report quantifieswhat societies stand to gain from such planning Preparing for the longevity transition does notrequire sweeping reforms or untested technology.The interventions are low-cost, data-verifiedand ready to deploy now. What is required is forgovernments, employers and financial institutionsto stop treating physical and financial health asseparate domains. Understanding longevity as a Historically, longevity has been miscast as aproblem belonging to a handful of countries withageing populations, such as Japan and Croatia, oras a balance-sheet problem for pension systemsgrappling with growing numbers of retirees. TheWorld Economic Forum and Marsh have partnered Introduction Lifespan has outgrown healthspan – ademographic trend that demands action. Living longer should mean living better, but increasingly,the world’s ageing populations are spending more oftheir extra years in poor health rather than good. with 2025, while the traditional working-agepopulation will grow by only 13% (see Figure 1).1The pension, healthcare and labour systemsbuilt for 20th-century demographic patternsneed to be reconfigured to manage new By 2040, the number of people aged over 65worldwide will increase by roughly 53% compared Too often, this demographic shift is understood asa crisis that