山东省医保局始终坚持"把好事办实、把实事办好、把难事办妥"，精心谋划、精准施策、精细落实，持 续深化医保制度改革，加快构建多层次医保体系，不断提升医保公共服务水平，努力把每一项民生实事 都办到群众心坎上，让医保服务更加可感、可及。 9月30日，省政府新闻办举行新闻发布会，邀请省医保局负责同志等介绍山东开展深化医保便民服务专 项行动，扎实推进民生实事有关情况。 省医保局党组成员、副局长李博介绍说，今年以来，省医保局坚决贯彻落实党中央、国务院决策部署， 认真执行省委、省政府和国家医保局工作要求，紧盯群众在医保服务中遇到的"烦心事""操心事"，扎实 开展深化医保领域便民服务专项行动，推出了10项民生实事，其中2项纳入省委、省政府重点民生实事 清单。 织密多维保障网 让不同群体都"有依靠" 重点针对失能人员、失业人员、大病人员等群体，完善保障政策，解决不同群体后顾之忧。 齐鲁晚报·齐鲁壹点 孔令茹 集采药品在家门口就能买到。进一步推动集采药品进基层活动提质扩面，加强对基层工作的指导和调 度，鼓励更多定点药店、村卫生室、民营医院参加集采药品进基层活动，让群众购药可及性更强、服务 标准化更高、药品选择性更多，切实将质优价 ...

Core Points - Starting January 1, 2025, Yantai City will include assistive device rental services in its long-term care insurance coverage, allowing disabled individuals to voluntarily choose this service, which alleviates financial burdens on families [1][2] - The assistive device rental policy not only reduces economic pressure on insured individuals but also allows for timely adjustments and replacements based on their needs, catering to diverse care requirements [1] - The cost of using an electric nursing bed through the long-term care insurance rental policy is significantly lower, with insured individuals only needing to pay 72 yuan per month, equating to a daily cost of 2.4 yuan, compared to the market price of over a thousand yuan for direct purchase [1] Industry Insights - The long-term care insurance program in Yantai City has established four designated assistive device service institutions, providing a variety of essential and often expensive nursing aids, covering two main categories and five subcategories of care devices [2] - The service model emphasizes personalized service supply through "self-selection and agreement," enhancing flexibility in service provision to meet the specific needs of disabled individuals [2]

Core Viewpoint - China is facing a long-term challenge of rapid population aging, particularly with an increase in the elderly population and the demand for long-term care services, which will significantly impact economic growth and family dynamics [5][11][28]. Group 1: Long-term Care Demand and Economic Impact - The increase in long-term care demand may lead to a decline in overall household consumption and an increase in precautionary savings [7][14]. - Long-term care needs may distort family labor supply decisions, resulting in reduced labor market participation and human capital loss among the younger generation [15]. - The rising demand for long-term care could lead to inefficient allocation and use of medical resources and fiscal funds [16]. Group 2: Insufficient Development of Long-term Care Services - The long-term care service market in China is underdeveloped, characterized by a shortage of caregivers and low wages [29][30]. - The average wage for long-term care workers is significantly lower than that of other caregiving professions, indicating a wage suppression phenomenon [39][40]. - A substantial portion of elderly individuals, particularly those with mild disabilities, do not receive any form of care, highlighting the market's development potential [30][33]. Group 3: Market Failure and Information Asymmetry - The buyer monopoly theory fails to explain the underdevelopment of the long-term care service market, as there are numerous service providers [8][50]. - Information asymmetry is a critical factor contributing to low wages and supply shortages in the long-term care market, affecting both pre-service and post-service quality assessments [8][55]. - The lack of a public mechanism to convey quality information exacerbates the issue of information asymmetry, leading to reduced willingness to pay for care services [8][55]. Group 4: Lessons from OECD Countries - The experience of OECD countries in developing long-term care markets provides valuable insights, such as establishing quality information disclosure mechanisms and improving caregiver compensation through insurance payment leverage [9][64]. - Expanding the coverage and depth of long-term care insurance can enhance the payment capacity of families, thereby increasing the demand for market-based care services [64].

Core Points - The National Healthcare Security Administration (NHSA) issued the "National Long-term Care Insurance Service Project Directory (Trial)" on September 25, which mandates strict adherence to the directory for new long-term care insurance regions [1] - The directory includes a total of 36 service items categorized into daily living care and medical care, with 20 items under daily living care and 16 items under medical care [3] - NHSA plans to explore the inclusion of intelligent services and supportive assistive devices related to long-term care into the payment scope at the national level [5] Summary by Category Service Items - The directory specifies 36 service items, divided into two main categories: daily living care and medical care [3] - Daily living care includes 20 items aimed at assisting individuals in maintaining basic living abilities, covering areas such as dietary care, hygiene, and safety monitoring [3] - Medical care consists of 16 items, including general nursing, basic care, specialized care, and rehabilitation services [3] Implementation Guidelines - New regions implementing long-term care insurance must strictly follow the directory and cannot arbitrarily adjust or change the service scope [1] - Existing pilot cities with their own long-term care service project directories are required to align with the national directory within approximately three years [1]

2025.09.26 本文字数：2059，阅读时长大约3分钟 目前《长护服务项目目录》明确的服务项目共有36项，按照生活照护类项目、医疗护理类项目分类管 理。 其中，生活照护类项目包括为长期护理保险待遇享受对象提供的日常生活照料及帮助维持其基本生活能 力的服务，有20项（含饮食照护、排泄照护、清洁照护、穿脱衣物、功能维护、对症护理、生命体征监 测、安全护理8个项目类别）；医疗护理类项目包括为长期护理保险待遇享受对象提供的与基本生活照 料密切相关的基础医疗护理服务，有16项（含一般检查护理、基础护理、专项护理、康复4个项目类 别）。 查阅《长护服务项目目录》可知，目录不仅包括项目代码、项目类别、项目名称，还对每个项目的项目 内涵、服务要点做了明确的界定。服务要点中细化到相关服务要求，推荐服务人员，推荐服务时长等内 容。 作者 |第一财经 郭晋晖 长护险服务国家目录的发布，为长护险全国铺开按下了加速键。 长护险能报销什么？国家医保局25日发布《国家长期护理保险服务项目目录（试行）》（下称《长护服 务项目目录》）划定了统一规范的长期护理保险基金支付范围，为失能人员及其家庭提供了清晰、权威 的报销指南。 国家医保局将 ...

转自：北京日报客户端 务项目包括序号、项目代码、项目类别、项目名称、项目内涵、 服务要点等。其中,生活照护类项目包括为长期护理保险待遇享 受对象提供的日常生活照料及帮助维持其基本生活能力的服务; 医疗护理类项目包括为长期护理保险待遇享受对象提供的与基本 生活照料密切相关的基础医疗护理服务。各地要结合实际细化项 目服务内容,与国家目录保持代码、名称、内涵一致,根据实际 做好生活照护类和医疗护理类项目分类管理。 三、规范长护服务目录管理 国家医保局组织制定、调整和发布《长护服务项目目录》, 编制统一的项目代码。国家医保局根据长期护理保险基金运行情 况和失能人员需求发展变化探索建立长护服务项目目录动态调整 -2 - 机制,定期组织目录调整发布,各地根据国家政策要求同步调 整。符合《长护服务项目目录》的服务费用,按照规定由长期护 理保险基金支付。各地要依据《长护服务项目目录》,结合长护 待遇享受对象的实际需求,指导相关机构合理制定长期护理服务 计划,精准提供适宜服务。各地特别是实行城乡差异化缴费的地 区,要根据筹资情况、参保人需求、技术劳务复杂程度等因素合 理测算,确定相关项目服务时长以及参保人可享受的服务频次 等, ...

Core Points - The National Healthcare Security Administration (NHSA) issued the "National Long-term Care Insurance Service Project Directory (Trial)" on September 25, 2023, which outlines the services that must be provided to insured individuals in regions that have newly implemented long-term care insurance [1] - Existing pilot cities with established long-term care service project directories are required to align their original directories with the new national directory within approximately three years [1] - The directory includes a total of 36 service items, categorized into daily living care and medical care, with 20 items under daily living care and 16 items under medical care [1] Summary by Category Long-term Care Insurance Implementation - New regions implementing long-term care insurance must strictly adhere to the "Long-term Care Service Project Directory" and cannot arbitrarily adjust or change the service scope [1] - Pilot cities must ensure their existing directories are mapped to the new national standards within a three-year timeframe [1] Service Project Directory Details - The directory consists of 36 service items, divided into two main categories: - Daily living care includes 20 items such as dietary care, toileting care, hygiene care, dressing assistance, functional maintenance, symptomatic care, vital signs monitoring, and safety care [1] - Medical care includes 16 items related to basic medical care services closely associated with daily living support, including general examination care, basic care, specialized care, and rehabilitation [1]

Investment Rating - The industry investment rating is "Hold" [1] Core Insights - The long-term care insurance (LTCI) system in Japan has diversified elderly care services, addressing the challenges posed by an aging population and declining birth rates. The LTCI was officially implemented in 2000, with a focus on providing comprehensive care for the elderly [3][24]. - The LTCI system in Japan is characterized by government leadership, diverse service providers, varied service offerings, and a well-integrated community care system. This has led to improved efficiency and sustainability in elderly care [4][25]. - The implementation of LTCI has spurred the growth of the elderly care service industry, increasing demand for professional caregivers and related products, significantly expanding the market size from 3.6 trillion yen in 2000 to 9.6 trillion yen by 2013 [34]. Summary by Sections Long-term Care Insurance Development - Japan's LTCI system was established to address the needs of an aging population, with mandatory participation for individuals aged 65 and older, and those aged 40-64 with specific health conditions [3][24]. - The system has evolved through three phases: initial establishment, service refinement, and diversification of care options [25]. Market Dynamics - The LTCI has led to a significant increase in private sector participation in elderly care services, enhancing service quality and efficiency through competition [5][30]. - In China, the LTCI pilot program began in 2016, expanding to 49 cities by 2024, with 180 million participants, indicating a growing demand for elderly care services [6][35]. Company Performance - Reliable Co., a leading company in medical care and disability care products, has shown steady growth, with domestic revenue accounting for 58.03% in 2024. The company is well-positioned to benefit from the increasing demand for high-quality elderly care supplies [8][38].

Group 1: Healthcare Policy Focus - The core focus of healthcare policy in the second half of the year includes the development of medical institutions, innovation in the pharmaceutical industry, comprehensive implementation of long-term care insurance, and expansion of maternity insurance [1] - The meeting emphasized a shift in the healthcare system from "passive payment" to "active empowerment" and from "disease compensation" to "health investment" [1] - A series of new healthcare policies will be initiated or implemented, including the establishment of a commercial insurance innovative drug directory and the launch of the 3.0 version of the disease-based payment grouping scheme [1] Group 2: Drug Pricing and Innovation - The National Healthcare Security Administration announced a list of 534 drugs that passed the basic medical insurance directory review and 121 drugs that passed the commercial insurance innovative drug directory review [2] - The establishment of the commercial insurance innovative drug directory allows for the inclusion of high-innovation drugs that meet unmet needs and have confirmed clinical value, facilitating their entry into hospitals [2] - The policy aims to improve drug accessibility by not including these drugs in the basic medical insurance self-payment rate indicators and the monitoring scope of alternative drugs in centralized procurement [2] Group 3: Payment and Care Models - The meeting called for the initiation of the 3.0 version of the disease-based payment grouping scheme to enhance the quality and efficiency of medical institutions [3] - As of June, over 90% of coordinated areas in the country achieved instant settlement for medical insurance, with payment timelines reduced to within 20 working days after application [3] - The long-term care insurance, referred to as the "sixth insurance," will be fully implemented in the second half of the year, with a focus on planning and supporting long-term care service institutions [3] Group 4: Maternity Insurance Expansion - The maternity insurance system will undergo upgrades and expansions, encouraging the inclusion of flexible employment personnel, migrant workers, and new employment forms into the coverage [4] - As of now, the number of people covered by maternity insurance has reached 253 million, with maternity insurance benefit expenditures amounting to 67.832 billion yuan in the first half of the year [4] - Five provinces have achieved full coverage of hospitalization costs for childbirth within the policy scope, and 18 provinces have fully implemented direct payment of maternity allowances to insured individuals [4]

Group 1: Silver Economy Growth Potential - The silver economy in China is estimated to reach approximately 70 trillion yuan (6% of GDP) by 2023 and is projected to grow to 190 trillion yuan (10% of GDP) by 2035[1] - The population aged 65 and above in China is around 220 million (15.6% of the total population) in 2023, with predictions of exceeding 380 million (30.9% of the total population) by 2050[1] - Improvements in healthcare and living standards are expected to further expand the silver economy's scale[1] Group 2: Consumption Capacity of the Elderly - The elderly population has a relatively high net asset level, benefiting from early home purchases and low debt ratios, with average annual housing price growth of about 8% from 2000 to 2020[3] - The average household size in China decreased from 3.1 people in 2010 to 2.6 people in 2020, indicating a trend towards smaller families and increased economic independence for the elderly[3] - By 2020, 55.7% of elderly individuals lived alone or with a spouse, and the reliance on family support decreased from 40.7% in 2010 to 32.7%[3] Group 3: Policy Support for Silver Economy - Since 2024, policies have been introduced to support the silver economy, focusing on supply-side adaptations and demand-side subsidies for elderly care services[4] - The government aims to enhance the supply of elderly care services and improve the infrastructure for elderly-friendly living environments[4] - There is a significant potential for expansion in elderly care facilities and services, as many urban homes lack elevators and other necessary amenities[4]