迈向“十五五”，长护险将全面推开

Core Viewpoint - The long-term care insurance (LTCI) system in China will transition from pilot programs to nationwide implementation during the "14th Five-Year Plan" period, aiming to cover the entire population and significantly enhance the development of the elderly care and health industries [1][2]. Group 1: Implementation and Coverage - The LTCI system has already covered approximately 300 million people, benefiting over 3.3 million disabled individuals, with total fund expenditures exceeding 100 billion yuan [1][3]. - By 2025, it is projected that 53 million people in Zhejiang Province will participate in LTCI, achieving a participation rate of 93% [7]. Group 2: Service Provision and Industry Impact - The number of designated service institutions for LTCI has reached 12,000 nationwide, a tenfold increase since the pilot's inception [3]. - LTCI has led to a significant increase in the number of long-term care workers, with one institution's staff growing from under 100 to 240, and a notable influx of younger professionals [5]. Group 3: Technological Integration and Quality Improvement - Innovative technologies, such as millimeter-wave radar, are being integrated into the LTCI assessment process to improve the accuracy of disability evaluations [3]. - The LTCI system is designed to provide services rather than direct cash benefits, which enhances the quality of care in the elderly care industry [4]. Group 4: Economic Benefits and Cost Savings - LTCI has been effective in reducing unnecessary hospitalizations by guiding disabled individuals to care institutions, thereby alleviating the financial burden on insurance funds and improving hospital bed turnover rates [7].