山城上的守护者：中国大地保险重庆长护险为失能群体点亮希望

Core Viewpoint - The aging population in China has heightened the focus on care for disabled individuals, leading to increased demands on the social security system. The long-term care insurance (LTCI) pilot program in Chongqing, initiated in 2019, aims to provide comprehensive support for disabled groups across urban workers in the city [1][19]. Group 1: Long-term Care Insurance Implementation - Chongqing has fully implemented LTCI coverage for urban workers since 2022, enhancing the social safety net for disabled individuals [1]. - The collaboration between Chongqing's medical insurance department and China Pacific Insurance has facilitated the inclusion of eligible elderly care institutions as designated care providers under the LTCI program [7][17]. - The LTCI program has already served over 6000 individuals in Chongqing, with a national coverage of nearly 15 million elderly people and approximately 900,000 enjoying benefits [19]. Group 2: Beneficiary Experiences - Huang Bing, a 54-year-old man with a rare vascular condition, successfully applied for LTCI and became one of the first beneficiaries, receiving home care support [3]. - Zhang Mingfu, an 85-year-old retired teacher, has benefited from home care services through LTCI, which has improved his health and well-being [12]. - The program has instilled hope in many suffering from illnesses, showcasing the collective efforts of society to provide care and support [14]. Group 3: Service Innovations and Management - The Liangping District Medical Insurance Bureau, in collaboration with China Pacific Insurance, has introduced a "one-person-one-file" management system for disabled individuals, ensuring streamlined services from application to assessment [15]. - The insurance company has actively participated in the full-process management of LTCI in four districts, serving over 700,000 people [17]. - The initiative aims to enhance the happiness and satisfaction of insured individuals while contributing to the high-quality development of medical insurance in Chongqing [19].