长护险，“拨开乌云”之后如何行稳致远？

Group 1 - The core value of long-term care insurance (LTCI) is to address the significant issue of "one person losing independence, the whole family losing balance" in an aging society [3][12] - LTCI is designed for individuals who lose the ability to care for themselves due to aging, illness, or disability, providing funding for basic daily care and related medical services [3][6] - The service model of LTCI aims to reach the disabled population effectively, offering various services such as home visits by caregivers to relieve family caregivers [3][6] Group 2 - Yantai Reina Fan Nursing Home, a designated institution for LTCI, provides comprehensive care services for moderately to severely disabled elderly individuals, with reimbursement of over 6,000 yuan per month for specialized care [6][10] - As of now, LTCI pilot programs have covered 49 cities in China, with over 180 million people insured and more than 2.6 million beneficiaries [6][10] - The pilot program in Shandong province has achieved significant coverage, with 54.44 million insured individuals and 650,000 beneficiaries as of May this year [6][10] Group 3 - Despite the success of LTCI, it remains in the pilot phase due to challenges such as sustainable funding sources, a shortage of professional caregivers, and regulatory difficulties [7][8][9] - The funding mechanism primarily relies on medical insurance allocations and government subsidies, with medical funds covering 70% and personal contributions only 10% [8] - The shortage of certified caregivers is a pressing issue, with only 26,000 certified caregivers available for over 735,000 disabled elderly individuals in Shanghai [8][9] Group 4 - The LTCI system is undergoing efforts to establish a more robust funding mechanism, enhance the training and supply of professional caregivers, and improve regulatory frameworks [10][13] - Commercial insurance companies are increasingly involved in the LTCI ecosystem, providing opportunities for developing supplementary insurance products and investing in caregiver training [10][11] - The LTCI's expansion is seen as a critical pathway to address the challenges of an aging population, with potential for significant growth in the insurance sector [11][12]