长护险全面铺开再提速 业内盼政策规范统一

Core Insights - The long-term care insurance (LTCI) system is being rapidly implemented across various provinces in China, with a unified system set to be established in Hainan by January 1, 2026 [1][2] - LTCI is a crucial social insurance initiative aimed at addressing the needs of elderly individuals who are unable to care for themselves due to aging, illness, or disability, marking it as the "sixth insurance" in China's social security system [2][3] - The program has seen significant growth since its pilot launch in 2016, with over 180 million participants expected by the end of 2024, and cumulative expenditures exceeding 80 billion yuan [2][3] Implementation and Variability - There is notable variability in the implementation of LTCI across pilot regions, with differences in operational models, funding sources, and service delivery methods [3][4] - Various service delivery options have emerged, including home care, institutional care, and cash benefits, reflecting a diverse approach to meeting the needs of the elderly [3][4] Policy Development and Recommendations - The establishment of a unified LTCI system is essential to fill the gaps in elderly care and ensure comprehensive social security coverage [3][5] - Experts suggest that the LTCI system should focus on in-person services primarily, with cash benefits as a supplementary option, and clarify the boundaries between LTCI and basic medical insurance [5][6] - Recommendations for enhancing the LTCI system include expanding coverage, improving community and home care services, training more caregivers, and promoting awareness of the importance of insurance participation [6]