从“异地服务”到“特殊病照护” AI赋能参保人员“智”享长护险

Core Insights - The recent "14th Five-Year Plan" emphasizes the implementation of long-term care insurance to enhance the care system for elderly individuals with disabilities and dementia [1][6] - Various regions are actively promoting pilot programs for long-term care insurance, leveraging artificial intelligence to improve the professionalism and standardization of care services [1][3] Group 1: Long-term Care Insurance Implementation - Long-term care insurance is recognized as the "sixth insurance" following pension, medical, work-related injury, unemployment, and maternity insurances [6] - The insurance aims to cover individuals with severe disabilities, with some regions allowing those assessed before the pilot to receive benefits without premium payments [8][11] Group 2: Coverage and Costs - In Taizhou, the annual fee for long-term care insurance is set at 90 yuan, with different contributions from employees and government funds based on insurance type [10] - The program has expanded to cover nearly 190 million people across 49 cities, with expenditures exceeding 85 billion yuan, primarily for basic living care and medical expenses for long-term disabled individuals [12] Group 3: Service Quality and Monitoring - The care service includes a comprehensive quality control system, utilizing AI for real-time data collection and remote monitoring to ensure service quality and risk management [4][5] - The insurance allows for dynamic assessment of care needs, ensuring that resources are allocated based on the latest evaluations of disability levels [24] Group 4: Innovations and Future Developments - From September 2025, Zhejiang province will implement inter-city services for long-term care insurance, allowing insured individuals to access services while residing in different cities within the province [15] - The introduction of community home care subsidies for family caregivers highlights the adaptability of the long-term care insurance model to meet specific care needs [22]