长期护理险守护老有所养

Core Insights - The National Healthcare Security Administration is promoting the comprehensive implementation of Long-term Care Insurance (LTCI), with pilot programs launched in provinces like Zhejiang and Hainan, indicating a faster pace in addressing aging challenges through institutional means [1][2] - LTCI aims to reimburse a certain percentage or amount of professional care and service costs for disabled and cognitively impaired individuals, alleviating the financial burden on families and stimulating the development of the nursing service industry [1][2] - The initial establishment of the institutional framework faces challenges, particularly regarding funding sources, as LTCI currently relies heavily on the transfer of medical insurance funds and fiscal subsidies, leading to significant pressure on public finances [1][2] Funding Mechanism Optimization - To optimize the funding mechanism for LTCI, it is essential to reduce burdens by establishing differentiated payment mechanisms for different groups, with shared responsibilities among employers, individuals, and the government [1][2] - Improving the efficiency of fund utilization by breaking down barriers to fund circulation and allowing personal medical insurance account balances to pay premiums is crucial [1][2] - Enhancing public trust and willingness to participate in LTCI through continuous insurance incentives and real case promotions is necessary to position LTCI as a guarantee rather than an additional burden [1][2] Multi-layered Protection System - A multi-layered protection system should be constructed, encouraging commercial insurance companies to develop diverse LTCI products to meet varying public needs [2] - The establishment of a collaborative mechanism involving basic insurance as the mainstay, supplemented by commercial insurance and charitable funds, is essential to channel more resources into the elderly care and nursing service sectors [2] Fund Management and Oversight - Optimizing fund management and establishing a robust regulatory and performance evaluation system is critical, given the large volume and long cycle of LTCI funds [2] - The establishment of specialized institutions for fund allocation and oversight, along with third-party auditing and dynamic evaluation systems, is necessary to prevent fraud and ensure funds are used effectively for care services [2] - Accelerating digital regulation and utilizing big data for real-time monitoring of fund flows and service quality will ensure that every dollar is effectively utilized for the care of disabled individuals [2]