从“扩大试点”到“加快建立” 长护险织牢民生保障网

Core Insights - Long-term care insurance (LTCI) has been recognized as the "sixth insurance" in China's social security system and has been included in government work reports for five consecutive years, indicating its importance in addressing aging population issues and providing social safety nets [1][3] Group 1: Development and Coverage - Since the pilot program began in 2016, LTCI has been steadily implemented in 49 cities across the country, with over 180 million people enrolled by the end of 2024, and more than 2.6 million people receiving care benefits [2] - As a participant in the LTCI program, Ping An Property & Casualty has managed LTCI projects in 8 provinces and 18 districts, serving over 30 million insured individuals and disbursing more than 270 million yuan in care benefits [2] Group 2: Challenges and Recommendations - The projected number of elderly individuals with disabilities or semi-disabilities in China is expected to reach 100 million by 2030, highlighting a significant gap in care supply and insurance coverage [3] - Challenges such as fragmented systems, regional disparities, limited coverage, single funding channels, and insufficient care supply hinder the effectiveness of LTCI [3][4] - Recommendations include establishing a unified national LTCI system to provide clear guidelines and standards, ensuring fairness and sustainability in the implementation of LTCI [3][4]