Core Points - The first inter-provincial examination for long-term care practitioners in China was held simultaneously in nine provinces, marking a significant step towards a standardized and collaborative evaluation system for long-term care professionals [1][2] - The long-term care insurance system in China, initiated in 2016 and expanded in 2020, currently covers 49 pilot cities with approximately 180 million insured individuals, and over 2.35 million people have received benefits [1][2] Group 1 - The inter-provincial examination attracted 1,009 candidates from 11 provinces, indicating a growing interest in the long-term care profession [1] - The new classification of long-term care practitioners aims to address the shortage of qualified personnel, which is a critical factor for the sustainable development of the long-term care insurance system [2][3] - Long-term care practitioners are required to possess a unique set of skills that differentiate them from other care roles, including the ability to provide basic life care, emergency medical knowledge, and an understanding of long-term care insurance [3] Group 2 - The certification process enhances the professionalism and standardization of care services, facilitating better service regulation and insurance fund audits [4] - Future efforts will focus on increasing training and examination opportunities for long-term care practitioners, aiming to integrate the long-term care insurance system with the service framework [4]

Core Viewpoint - The establishment of a long-term care insurance system is a crucial measure to address the challenges of an aging population in China, with China People's Property Insurance Company (PICC) actively participating in pilot projects and developing various models for long-term care insurance [1] Group 1: Long-term Care Insurance Participation - As of June 2025, PICC has undertaken 117 long-term care insurance projects, covering 58 cities across 20 provinces [1] - PICC participates in 32 out of 49 national pilot cities for long-term care insurance, maintaining a participation rate of 65.3%, leading the industry [1] Group 2: Service Models - Jiangsu Nantong has established a "three-level" convenient service network to address the distance and technology usage issues for disabled individuals in rural areas [2] - Jiangsu Huai'an has developed a smart service center with various facilities to meet the needs of insured individuals, including an APP experience area and a monitoring center [2] - Jiangsu Nanjing has implemented a cross-regional service model allowing users to enjoy benefits based on their residence while adhering to the standards of their insurance location [3] Group 3: Management and Operations - Zhejiang Huzhou has created a digital management platform for comprehensive oversight of care services, integrating with the provincial smart medical insurance platform [4] - Shandong Yantai has established a dynamic assessment mechanism for disability, conducting unannounced inspections to ensure proper management and prevent over or under-provision of benefits [5] Group 4: Comprehensive Insurance Solutions - Zhejiang Jinhua has designed a comprehensive insurance package that includes various risk coverages related to long-term care, extending to newborn disability insurance and flexible employment insurance [6] - Hainan has provided hospitalization care for approximately 54,000 impoverished individuals, with total claims exceeding 33.35 million yuan [8] Group 5: Collaborative Development - Shandong Dezhou has innovated a collaborative model combining care insurance with supportive services, partnering with local healthcare institutions to enhance service delivery [8] - Sichuan Chengdu has developed an integrated service model that combines insurance with healthcare services, creating a multi-faceted support system for care [8] - Hebei Xingtai has initiated a village doctor management model to enhance rural care services, facilitating cooperation between village doctors and designated care service companies [8] Group 6: Future Directions - PICC aims to continue enhancing service quality and fund management while iterating on its insurance solutions to contribute to a multi-tiered social security system [9]

北京商报讯（记者 胡永新）9月16日，商务部等九部门联合印发的《关于扩大服务消费的若干政策措施》提出，加快推进长期护理保险制度建设，扩大长期 护理保险制度覆盖面。加强对养老护理、家政服务、长期照护等领域从业人员培养培训，落实有关支持政策。 ...

Core Viewpoint - The article emphasizes the importance of service consumption in improving people's livelihoods and driving economic transformation, proposing measures to boost consumption and expand domestic demand [1] Group 1: Cultivating Service Consumption Promotion Platforms - Implementation of the "Service Consumption Quality Improvement and Benefit Action" plan to enhance policy support, build platforms, and optimize the consumption environment [2] - Development of pilot cities for new service consumption formats and scenarios, promoting innovative service consumption landscapes [2] Group 2: Enriching High-Quality Service Supply - Expansion of high-level openness in the service industry, particularly in internet, culture, telecommunications, and healthcare sectors [3] - Support for cultural and artistic creation, optimizing cultural product supply through various venues and events [3] - Encouragement of foreign sports events and local mass sports events to enhance brand recognition and tourism [3] - Development of a diversified education and training market, including vocational skills training and community education [3] - Promotion of long-term care insurance and training for caregivers in the elderly care and domestic service sectors [3] - Support for community-based childcare services and facilities [3] Group 3: Stimulating New Service Consumption Growth - Attraction of foreign visitors through visa policy optimization and promotion of cultural tourism resources [4] - Expansion of digital service consumption and encouragement of e-commerce platforms to innovate [4] - Adjustment of school holiday schedules to increase service consumption opportunities [4] Group 4: Strengthening Financial Support - Utilization of various funding channels to support the construction of service facilities in culture, tourism, and sports [5] - Support for service trade innovation and investment in service consumption enterprises [5] - Encouragement of financial institutions to increase credit support for service consumption sectors [5] - Promotion of consumer credit support through government and financial institution collaboration [5] Group 5: Improving Statistical Monitoring Systems - Optimization of service consumption statistical methods to reflect regional development accurately [6] - Encouragement of the use of big data for monitoring and analysis of service consumption [6]

Core Insights - The long-term care insurance (LTCI) policy has significantly alleviated the burden on families caring for elderly individuals with disabilities, as evidenced by testimonials from beneficiaries like Liu Granny [1] - The implementation of LTCI is crucial in addressing the challenges posed by an aging population in China, with projections indicating that by the end of 2024, the elderly population (aged 60 and above) will reach 310 million, accounting for 22% of the total population [1] - The Chinese government is actively promoting the establishment of a long-term care insurance system as part of its strategy to improve social security and support for vulnerable elderly groups [1] Company Involvement - China Life Insurance Company has been proactive in participating in the national LTCI pilot program, having engaged in 80 LTCI projects by the end of last year, covering over 7.3 million insured individuals in Shandong province [2] - The company has established standardized comprehensive service centers and has been involved in disability assessments and policy training, thereby enhancing service delivery and supporting the national strategy to address population aging [2] - In January 2024, China Life's Jining branch won the bid to manage LTCI for over 1.5 million residents and employees in Jining, demonstrating its commitment to high-quality service delivery [5] Service Innovation - The Jining branch of China Life has implemented a new service model for LTCI, which has been recognized as one of the top ten innovative products in elder care finance [3] - The company has developed a multi-tiered management service strategy focusing on key areas such as institutional access, disability assessments, and service management to ensure efficient and effective LTCI operations [7] - A comprehensive evaluation service system has been established to ensure fair and objective assessments of disability levels, thereby ensuring that the right beneficiaries receive the LTCI benefits [8] Community Engagement - China Life has organized various community outreach activities, including health check-ups and policy awareness campaigns, to promote LTCI and enhance public understanding of the program [9] - The company has also introduced innovative insurance products, such as accident insurance for caregivers, to address the specific needs of care institutions and personnel [9] - By integrating various insurance programs, China Life aims to improve resource utilization and provide greater convenience to insured individuals [9] Overall Impact - The collaboration between commercial insurance providers like China Life and government agencies has led to improved service efficiency and increased satisfaction among insured individuals [11] - The LTCI initiative is seen as a win-win situation, benefiting the government, insurance institutions, and the elderly population [11] - The ongoing efforts to enhance the LTCI management service system aim to expand coverage and ensure high-quality service delivery for the elderly [11]

Core Viewpoint - The long-term care insurance (LTCI) system in China is evolving to address the increasing demand for care services for the elderly, particularly those with disabilities or dementia, as the traditional family caregiving model weakens under modern societal pressures [4][5][6]. Group 1: Current Situation and Challenges - Over 45 million elderly individuals in China require long-term care, with one in six elderly people needing assistance [4]. - The traditional family structure, characterized by the "421" model, places significant caregiving burdens on younger generations, leading to increased stress and challenges in providing adequate care [4][5]. - Rural areas face acute challenges in elderly care due to a lack of resources and professional services, resulting in a situation where families struggle to provide care [6][9]. Group 2: Policy Implementation and Impact - Various regions are piloting LTCI programs to alleviate the burden of elderly care, with a focus on integrating care services into existing healthcare frameworks [5][8]. - In Kaifeng, the introduction of LTCI has led to significant financial relief for families, with reimbursements covering up to 65% of care costs, allowing access to professional care facilities [5][6]. - The LTCI system has been expanding since its initial pilot in 2016, with nearly 1.9 billion people enrolled and over 850 billion yuan spent on care services [13]. Group 3: Innovations in Care Delivery - The transformation of community health centers into LTCI service providers is gaining traction, allowing for better utilization of resources and addressing the dual challenges of underused hospital beds and the need for elderly care [7][8]. - In Xuzhou, the integration of LTCI services into local healthcare facilities has resulted in a significant increase in occupancy rates and service provision, demonstrating a successful model for rural healthcare [8][10]. - The establishment of home-based care services is becoming more common, with healthcare professionals providing regular visits to assist families in managing care for elderly relatives [9][10]. Group 4: Funding and Sustainability - The LTCI system relies on a multi-source funding model, combining contributions from individuals, government subsidies, and social funds to create a sustainable financial framework [11][12]. - In Longkou, the annual contribution for LTCI is as low as 30 yuan for workers, making it accessible while ensuring that over 1,300 disabled elderly individuals benefit from the program [11][12].

Core Insights - The first long-term care nurse vocational skills training class in Shaanxi Province commenced in Hanzhong City, organized by the Shaanxi Provincial Medical Security Bureau and the Hanzhong City Medical Security Bureau [1] - The training lasts for 6 days and includes 60 class hours, attracting 50 nursing professionals from designated long-term care service institutions [1] - The training employs a "theory explanation + real demonstration + interactive practice" teaching model, focusing on over 10 core skills such as cleaning care, dietary nursing, and emergency handling [1] - Hanzhong City was designated as a pilot city for the national long-term care insurance system in 2020, being the only pilot city in the province [1] - The city has developed a multi-layered service system centered on "government-led, commercial insurance management, institutional care, and assistive device support" to meet the long-term care service needs of the elderly population [1] - As of June this year, long-term care services in Hanzhong City have covered 403,900 insured workers and provided services to over 3,700 severely disabled individuals [1] Future Plans - Hanzhong City plans to explore the establishment of a scientific, socialized, and diversified long-term care nurse skills training and talent evaluation system [2] - The city aims to expand the career development pathways for skilled personnel and enhance the service capacity of long-term care [2] - These efforts are intended to contribute to the improvement of the long-term care insurance system and the protection of the rights and interests of insured individuals [2]

Core Insights - The long-term care insurance (LTCI) system in China is transitioning from a pilot phase to nationwide implementation, with a timeline of approximately three years to establish a comprehensive system that covers all citizens and adapts to local conditions [1][3][5] Funding and Service Supply - A sustainable LTCI system requires a stable and diverse funding channel, with most cities employing multiple funding sources such as personal contributions, employer payments, medical insurance fund transfers, and government subsidies [1][7] - The LTCI system faces challenges in service supply, including inadequate infrastructure, insufficient quantity, and low quality of care services, which could hinder the effective implementation of the insurance [7][8] Policy and Implementation - The National Healthcare Security Administration (NHSA) has outlined four key principles for the LTCI policy: establishing a framework that covers urban and rural areas, creating diverse funding channels, ensuring basic benefit guarantees, and enhancing management through digital and intelligent technologies [3][4] - Local governments are encouraged to develop implementation plans that are tailored to their specific conditions, with a focus on gradually expanding coverage to include unemployed rural residents [5][6] Training and Development - There is an emphasis on training long-term care professionals and improving the quality of care through enhanced skills and professional standards [2][8] - The integration of healthcare and elderly care services is being promoted, with successful models emerging from pilot programs in various regions [8]

Core Viewpoint - The national medical insurance meeting emphasizes the comprehensive implementation of long-term care insurance to address the needs of the elderly and disabled population in China [1] Group 1: Long-term Care Insurance Implementation - The meeting highlighted the need for reasonable planning and allocation of designated long-term care service institutions, encouraging grassroots medical institutions to provide long-term care services [1] - The initiative aims to promote the development of commercial long-term care insurance products that align with public insurance [1] - Training for long-term care workers and recognition of their skills will be prioritized to enhance service quality [1] Group 2: Case Studies and Impact - A case in Chongqing illustrates how proactive outreach by long-term care insurance staff can significantly alleviate family caregiving burdens, as seen with an elderly teacher whose family faced severe health challenges [2] - The fifth national survey indicates that approximately 35 million elderly individuals in China are disabled, highlighting the critical need for long-term care services [3] Group 3: Quality Assurance and Regulation - In Shandong, a smart regulatory platform has been established to ensure the authenticity and quality of long-term care services, allowing real-time tracking of service delivery [4] - The platform requires care providers to upload service details and receive confirmation from family members, ensuring compliance with service standards [4] - Since the launch of the long-term care insurance pilot in July 2023, measures have been taken to eliminate fraudulent claims, with 389 individuals no longer receiving benefits due to recovery or death [5]

作为社保"第六险"的长期护理保险正加速铺开。今年政府工作报告提出，稳步推进长期护理保险制 度试点。记者了解到，北京市确定今年全面推行长期护理保险，将试点从石景山区推向全市。此外，重 庆市、徐州市等多地也明确今年起将长期护理保险试点扩大到全市，实现制度保障的全覆盖。 记者采访获悉，长期护理保险（简称"长护险"）试点5年多来，提高了失能人员的生活质量、减轻 了失能人员家庭的经济负担。不过在试点过程中，也出现个人缴费意愿不足、评估标准不统一、筹资机 制较单一等问题，亟待加快完善顶层设计，调动各方面积极性，更好满足老年人养老需求。 长护险破解照护难、费用高 76岁的北京市石景山区居民唐女士患有高血压和冠心病，近三年里2次出现脑梗塞，1年前因摔倒导 致失能，长期卧床，因情绪低落，夜间还有严重的失眠。自从享受长期护理保险待遇后，专业护理人员 定期上门服务，明显改善了老人身心状态。而长期护理保险政策不仅没有增加家庭开销，还减轻了一家 人的生活负担。 长护险是经评定达到规定失能等级的长期失能人员，为其基本生活照料和与基本生活密切相关的医 疗护理提供服务或资金保障的社会保险制度，也被称为社保"第六险"。 2016年6月，人社部 ...