新华鲜报丨惠及超330万失能群众！长护险覆盖约3亿人

Core Insights - The Long-term Care Insurance (LTCI) system covers approximately 300 million people, benefiting over 3.3 million disabled individuals, with total fund expenditures exceeding 100 billion yuan, resulting in an average annual financial relief of 12,000 yuan per person [1][4]. Group 1: Coverage and Impact - LTCI, known as the "sixth insurance" after the five major social insurances, aims to alleviate the daily care costs and burdens for disabled individuals. Since its launch in 2016, it has expanded to 49 pilot cities [3]. - The program has significantly improved the quality and quantity of long-term care services, with 12,000 designated service institutions established during the pilot phase, a tenfold increase from the initial stage [5]. - The program has provided services to 20.33 million individuals annually, supported by a professional service team of over 20,000 people [5]. Group 2: Technological Advancements - Increasing numbers of smart device manufacturers are entering the long-term care industry, developing technologies such as millimeter-wave radar to monitor vital signs of disabled individuals, allowing families and caregivers to track conditions in real-time [6]. - The National Healthcare Security Administration is committed to fostering and opening new scenarios for long-term care insurance, supporting the large-scale application of new technologies, products, and business models [6]. Group 3: Family Support and Economic Relief - The LTCI program provides emotional and financial relief to families burdened by the care of disabled individuals, allowing them to return to work with peace of mind [8]. - In Qingdao, the LTCI has disbursed a total of 6.3 billion yuan, benefiting over 160,000 disabled and cognitively impaired individuals, effectively reducing the economic burden and care pressure on insured persons [8]. - The program is also focused on developing a professional long-term care talent system and implementing a digital management system for the entire process of insurance enrollment, assessment, payment, and supervision [8]. Group 4: Future Developments - The LTCI system is expected to expand from pilot programs to comprehensive coverage for all insured individuals during the 14th Five-Year Plan period, enhancing the safety net for disabled individuals and their families [9].