“长护经济”爆发前夜，这些社会资本已经尝到甜头︱长护险扩围探路

Core Insights - The long-term care insurance (LTCI) system is transitioning from pilot programs to nationwide implementation, attracting significant interest from social capital and private investments due to its market potential [1][10] - LTCI aims to alleviate the financial burden on families by providing coverage for care costs associated with disabled individuals, thus promoting the development of related industries such as nursing services and rehabilitation [1][4] - The government plays a crucial role in guiding the LTCI framework, encouraging private sector involvement while ensuring effective management and regulation [10][11] Industry Development - The LTCI system currently covers 180 million people, with over 2.6 million disabled insured individuals receiving benefits, and total fund expenditures exceeding 80 billion yuan [1] - The implementation of LTCI has led to a rapid increase in the number of care institutions and professionals, with significant growth in service providers in regions like Jiangsu, where the number of designated service institutions rose from 5 to over 380 [4] - The LTCI framework is expected to create new opportunities for various care institutions, including nursing homes, specialized care centers, and community care services [3][4] Market Opportunities - The introduction of auxiliary equipment rental services, such as multifunctional nursing beds, addresses the needs of families caring for disabled individuals, with rental costs as low as 0.45 yuan per day [6] - The LTCI system is anticipated to drive advancements in smart and refined care solutions, enhancing the quality of care provided to the elderly [7] - Commercial long-term care insurance products are being developed to complement the public LTCI system, with some regions already offering affordable options for basic insurance coverage [8] Government Role - The establishment of the LTCI system is a key component of China's strategy to address population aging and improve social security [10] - The government is focused on creating a standardized and regulated environment for LTCI, ensuring quality service delivery and effective management of care providers [10][11] - Collaboration among government, market, and social entities is essential for the successful implementation and high-quality development of the LTCI services [11]