破解“一人失能、全家失衡”难题 政策性长护险织密养老保障网之常州实践

Core Insights - The implementation of the policy-based long-term care insurance (referred to as "long-term care insurance") has significantly alleviated the burden on caregivers, particularly in the context of an aging population in China [1][2]. Group 1: Long-term Care Insurance Implementation - The long-term care insurance system was fully launched in Changzhou, Jiangsu Province, on January 1, 2022, after a three-year pilot program [1]. - The program aims to enhance the elderly care support system in response to the increasing demand due to the aging population [1]. Group 2: Service Structure and Benefits - The long-term care insurance in Changzhou supports various care services, including home care, institutional care, and hospital care, creating a multi-tiered service system [2]. - Caregivers can receive a monthly living care subsidy of 600 yuan, in addition to multiple home care visits funded by the long-term care insurance [2]. - The program has a monthly payment cap for severe and moderate disability cases, set at 1500 yuan and 900 yuan, respectively [2]. Group 3: Funding and Operational Model - The funding mechanism for the long-term care insurance involves a shared responsibility model, with individuals contributing 30 yuan annually, supplemented by health insurance funds and government subsidies [3]. - The operational model includes a "government-business cooperation" approach, with the local health insurance bureau overseeing policy formulation and various insurance companies participating in service delivery [3]. Group 4: Quality Control and Industry Collaboration - Quality control measures include dedicated audit staff and an online video monitoring system to oversee care services [4]. - The establishment of the Changzhou Long-term Care Insurance Industry Association aims to address common challenges in the industry, such as coordination and standardization [4]. Group 5: National Expansion and Future Outlook - As of now, 49 cities in China have initiated long-term care insurance trials, covering approximately 190 million people and accumulating over 100 billion yuan in funding [5]. - The issuance of national guidelines in 2025 marks a significant step towards establishing a unified long-term care insurance system across the country [5]. - The ongoing development of the long-term care insurance system is seen as a crucial milestone in addressing the challenges posed by an aging population and enhancing the social security framework [5].