保险业多维度补位长期照护师缺口

Core Viewpoint - The article highlights the severe shortage of professional caregivers in China, particularly for the elderly, and discusses the government's efforts to address this issue through the establishment of the Long-term Caregiver profession and the involvement of the insurance industry in talent development [1][4][6]. Group 1: Current Situation of Caregivers - Approximately 35 million disabled elderly individuals exist in China, representing 11.6% of the total elderly population, while only about 500,000 certified caregivers are available, indicating a significant supply-demand gap [1]. - The average age of caregivers is high, with nearly 40% aged between 50 and 55, and only 3% under 30, leading to a situation where older caregivers are looking after other elderly individuals [2]. - The working conditions for caregivers are challenging, with 44.39% working 9 to 12 hours a day, and 36.49% earning less than 4,000 yuan per month, deterring younger individuals from entering the profession [2][3]. Group 2: Policy Initiatives - In 2022, the government added the "Long-term Caregiver" profession to the occupational classification system, with national standards released in February 2024 to promote the professionalization of caregiving [4]. - The National Health Commission has included care for disabled elderly individuals as a key focus in various planning documents, emphasizing the need for a robust caregiving service system [4]. Group 3: Role of the Insurance Industry - The insurance industry is leveraging its resources to address the talent shortage in the caregiving sector by creating high-end elderly care communities that generate employment opportunities for various caregiving roles [6][7]. - Insurance companies are collaborating with training institutions and universities to provide comprehensive training programs for caregivers, enhancing their professional skills and knowledge [7]. - Specialized insurance products, such as liability and accident insurance for caregivers, are being developed to mitigate occupational risks and improve job satisfaction among caregivers [7][8]. Group 4: Challenges Ahead - Despite the initiatives, the insurance industry's involvement in caregiver training and service system development is still limited, necessitating stronger collaboration with government, educational institutions, and healthcare providers to effectively tackle the challenges in elderly care [8].