Core Insights - The implementation of long-term care insurance (LTCI) in Zhejiang Province aims to provide direct settlement for cross-regional services, addressing the diverse needs of the elderly population [4][6] - The LTCI program has over 51 million participants in Zhejiang, with a participation rate exceeding 90%, indicating strong community engagement [4] - The use of digital platforms and technology is being explored to enhance service quality and regulatory oversight in LTCI [7][9] Group 1 - Long-term care insurance is referred to as the "sixth insurance" in social security, providing essential support for disabled elderly individuals [1] - The case of a 95-year-old woman highlights the benefits of LTCI, as her family experienced reduced caregiving pressure due to the services provided [1][3] - The new policy addresses issues faced by elderly individuals whose insurance and residence locations differ, facilitating easier access to care services [6] Group 2 - The Zhejiang Provincial Medical Insurance Bureau is actively working to resolve issues related to insurance accessibility for the elderly [6] - Digital platforms like "Yong You Long Hu" in Ningbo allow for streamlined processes in LTCI applications, assessments, and service evaluations [7] - Future initiatives will focus on enhancing care talent and integrating AI into LTCI to improve service quality and expand coverage [11]