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cover of episode The ‘inevitable’ caregiving cost nightmare: One young founder's story and solution

The ‘inevitable’ caregiving cost nightmare: One young founder's story and solution

2025/4/14
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World Economic Forum
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Lily Vittayarukskul
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Lily Vittayarukskul: 我16岁时，因为姑姑患晚期结肠癌需要长期护理，而家庭为此付出巨大经济代价，才转向了长寿和医疗保健领域。这让我深刻体会到长期护理事件的破坏性以及其对每个家庭的普遍影响。医疗保险并未覆盖大部分长期护理费用，这给家庭带来了巨大的经济负担。我创立Waterlily公司，旨在利用人工智能预测家庭未来的老年护理需求和相关成本，并指导他们进行后勤和财务规划，帮助他们更有效地应对未来的长期护理成本。Waterlily通过一个简短的调查问卷，利用超过5亿个家庭数据点来预测用户的护理需求、开始时间、持续时间和护理需求的进展，并预测用户家庭成员自发参与护理的程度，帮助用户决定是否需要额外储蓄或购买保险产品。Waterlily最终目标是通过自筹资金、投资或保险产品等方式，尽可能高效地解决未来的长期护理成本问题。我们已经看到许多用户在使用Waterlily后，改变了储蓄和投资策略，甚至改变生活方式，例如减肥来改善健康状况，从而降低长期护理成本。普信保险公司也与我们合作，帮助其投保人更好地了解未来的护理需求和成本，并进行相应的规划。 Linda Lucina: 作为主持人，Linda Lucina主要负责引导访谈，提出问题，并对Lily Vittayarukskul的回答进行总结和引导，推动访谈的进行。她引导Lily Vittayarukskul解释了长寿经济的概念，探讨了全球范围内应对人口老龄化和健康寿命缩短的挑战，以及长期护理成本对家庭和政府的巨大负担。她还引导Lily Vittayarukskul介绍了Waterlily的工作原理和案例，并探讨了人们如何更好地为家庭长期护理需求做好准备。

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The aging global population is creating an unprecedented economic challenge. Long-term care costs are skyrocketing, and current systems are unprepared for the coming surge in demand. This will disproportionately impact families.
  • Rising healthcare inflation and an aging population are leading to a long-term care crisis.
  • Long-term care costs represent 1.5% of GDP and are projected to increase by 400% by 2050.
  • The burden of these costs may shift from government to families through taxes or out-of-pocket expenses.

Shownotes Transcript

Lily Vittayarukskul was a college student at just 14 and on track for a career in aerospace engineering. However, an aunt’s cancer battle upended those plans, wreaking havoc on her family and their finances. The experience inspired her to launch the AI-powered startup Waterlily, helping people better predict expenses for getting older, including eldercare or assisted living, costs most don’t realize aren’t fully covered by either health insurance or Medicare. In this talk, Lily wades through the mounting data showing how super-ageing societies will struggle to afford long-term care needs. She also shares the tough lessons her personal story taught her and what others can do to prepare for an aging economy. This interview was recorded January 2025 at the Annual Meeting in Davos, Switzerland About this episode: Waterlily:  Related World Economic Forum Initiatives: Waterlily is an Uplink Innovator About Uplink: About the Uplink / Manulife - Prosperity in Longevity Challenge World Economic Forum Longevity Economy Initiative: Related Podcasts: Meet The Leader - Adam Grant: Future leaders won't succeed without this key trait Meet The Leader - How leaders can prepare teams for the future of work: ADP’s Chief Economist: