南方财经全媒体记者 林汉垚 实习生 徐若萱 2025年12月22日，在浙江宁波召开的"2025年全国长期护理保险高质量发展大会"上，国家医保局党组书 记、局长章轲明确表示，"十五五"时期，长期护理保险（以下简称"长护险"）制度将从试点转向全面建 制。 统一制度标准破解碎片化试点困局 长护险旨在为长期失能人员提供基本生活照料和医疗护理服务。自2016年启动试点以来，该制度虽然缓 解了"一人失能，全家失衡"的困境，但"碎片化"问题始终制约其在全国推广。 试点期间，各地根据实际情况探索形成了多样化的实施方案，相关筹资标准、失能评估标准、待遇支付 范围差异较大。这种模式在制度初创期起到了快速启动的作用，但随着覆盖范围的扩大，其内在的不可 持续性风险日益显现。 以筹资为例，目前的试点城市中，筹资机制主要分为定额筹资、定比筹资以及定比与定额相结合三种模 式。 然而，无论是哪种模式，绝大部分资金仍来源于医保基金。例如，北京城镇职工筹资由单位和个人分 担，单位缴费部分实则由职工医保统筹基金划转，个人缴费部分由个人账户划转。 对外经济贸易大学创新与风险管理研究中心副主任龙格在接受21世纪经济报道记者采访时指出，试点期 间长护险 ...

Core Insights - The demand for long-term care is surging due to the aging population and declining birth rates, leading to the need for a robust long-term care insurance system [1][4] - Recent developments in various regions have introduced inclusive care insurance to supplement policy-based long-term care insurance, aiming to address the diverse needs of the elderly [1][4] Group 1: Long-term Care Insurance Landscape - As of now, there are over 310 million individuals aged 60 and above in China, with more than 40 million requiring specialized care due to disabilities [3] - The government is expanding the long-term care insurance system and encouraging the development of commercial care insurance to meet the needs of disabled elderly individuals [4][6] Group 2: Implementation of Inclusive Care Insurance - Cities like Nanjing and Huzhou have launched inclusive care insurance products that complement policy-based long-term care insurance, focusing on affordability and accessibility [4][5] - The "Nantong Care Insurance" product includes specific care responsibilities and internet-based medication reimbursement, enhancing the service offerings for disabled individuals [4][5] Group 3: Benefits of Inclusive Care Insurance - The introduction of inclusive commercial care insurance is expected to create a combined long-term care support system, alleviating the financial burden on families [5][6] - These products are designed to fill the gaps in policy-based long-term care insurance, thereby expanding coverage and reducing out-of-pocket expenses for families [5][6] Group 4: Future Directions and Recommendations - To enhance the effectiveness of inclusive care insurance, there is a need for policy incentives, such as tax benefits for individuals and businesses [8] - Collaboration between insurance providers and healthcare institutions is essential to streamline services and improve care quality [7][8] - Development of integrated products that combine care, rehabilitation, and health management is recommended to meet diverse consumer needs [8]