三年左右全国铺开 长护险筹资难题待解

Core Insights - The long-term care insurance (LTCI) system in China is transitioning from a pilot phase to nationwide implementation, with a timeline of approximately three years to establish a comprehensive system that covers all citizens and adapts to local conditions [1][3][5] Funding and Service Supply - A sustainable LTCI system requires a stable and diverse funding channel, with most cities employing multiple funding sources such as personal contributions, employer payments, medical insurance fund transfers, and government subsidies [1][7] - The LTCI system faces challenges in service supply, including inadequate infrastructure, insufficient quantity, and low quality of care services, which could hinder the effective implementation of the insurance [7][8] Policy and Implementation - The National Healthcare Security Administration (NHSA) has outlined four key principles for the LTCI policy: establishing a framework that covers urban and rural areas, creating diverse funding channels, ensuring basic benefit guarantees, and enhancing management through digital and intelligent technologies [3][4] - Local governments are encouraged to develop implementation plans that are tailored to their specific conditions, with a focus on gradually expanding coverage to include unemployed rural residents [5][6] Training and Development - There is an emphasis on training long-term care professionals and improving the quality of care through enhanced skills and professional standards [2][8] - The integration of healthcare and elderly care services is being promoted, with successful models emerging from pilot programs in various regions [8]