走好长护险进阶之路

Core Insights - The long-term care insurance (LTCI) system in China, referred to as the "sixth insurance," aims to cover all citizens during the "14th Five-Year Plan" period, having already been piloted in 49 cities and benefiting approximately 330 million people [1][2] Group 1: Development and Impact - LTCI has been piloted for nearly 10 years, covering around 300 million people and providing services to over 3.3 million disabled individuals, with total fund expenditures exceeding 100 billion yuan [1] - The average annual financial relief for individuals has reached 12,000 yuan, facilitating access to various professional care services for severely disabled individuals [1] - The LTCI initiative has stimulated social capital investment exceeding 50 billion yuan in related industries during the "14th Five-Year Plan" period, with over 8,800 designated service institutions and a workforce of 300,000 care service personnel, both increasing by over 50% since the beginning of the "14th Five-Year Plan" [1] Group 2: Future Directions and Challenges - The LTCI system is set to transition from pilot programs to comprehensive establishment, aiming to cover all insured individuals while addressing regional disparities and cross-regional recognition of disability assessments [2] - The focus will be on accurately defining service scopes and assessing eligible populations to ensure that services reach those in genuine need while maintaining quality and preventing fund leakage [2] - Collaboration among various stakeholders will be essential to enhance system design, promote the development of the long-term care industry, and increase the training of care professionals [2]