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]