视频丨“长护险”加持、AI辅助！老人护理服务更加专业可靠

Core Insights - The recent "14th Five-Year Plan" emphasizes the implementation of long-term care insurance and the establishment of a care system for elderly individuals with disabilities and dementia [1] Group 1: Long-Term Care Insurance Implementation - Various regions are actively promoting pilot programs for long-term care insurance, utilizing artificial intelligence to enhance the professionalism and standardization of care services [1][2] - The long-term care insurance is referred to as the "sixth insurance" following pension, medical, work injury, unemployment, and maternity insurance [17] - As of now, nearly 190 million people are covered under the long-term care insurance system, with expenditures exceeding 85 billion yuan, primarily for basic living care and related medical expenses for long-term disabled individuals [25] Group 2: Service Quality and Monitoring - The local long-term care insurance main underwriter has established a comprehensive quality control system, utilizing AI to achieve "visualization and traceability" of the entire service process [7][11] - Real-time data collection during care services, combined with AI recognition and remote video inspection, significantly improves regulatory efficiency and service standardization [11][15] Group 3: Coverage and Accessibility - Coverage varies among cities, with some including all urban and rural insured individuals, while others allow those already assessed as severely disabled to enjoy benefits without prior payment [19][21] - In Taizhou, the annual fee for long-term care insurance is set at 90 yuan per person, with different contributions from employees and government [23] Group 4: Innovations and Special Cases - Zhejiang province has initiated inter-city long-term care insurance services, allowing insured individuals to apply for services while residing in different cities within the province [29] - Dynamic assessment mechanisms are established to ensure resources are accurately matched to the needs of disabled individuals, with regular evaluations to adjust care standards accordingly [39][41] - The recent policy from the National Financial Regulatory Administration supports the conversion of life insurance benefits into care expenses for disabled individuals, enhancing access to care services [43]