线下缴费渠道：各乡镇（街道）"城乡居民基本医疗保险"代征点智能POS机缴费；海南农商银行网点自 动取款机ATM、存取款机（CRS）；邮储银行、工商银行、交通银行、中信银行、招商银行营业网点 柜面。记者 刘兵 本报讯 距离2026年海南省城乡居民基本医疗保险和长期护理保险集中征缴期结束（2月28日）仅剩3 天，省社保中心提醒居民抓紧确认自己或家人是否已缴费，如还未办理需抓紧时间。 缴费标准：18周岁以上缴费标准426元（含长期护理保险26元），18周岁以下缴费标准400元。 线上缴费渠道：1."海南社保医保"微信公众号。点击"海南社保医保"微信公众号，选择"微信息"-"社保 医保个人缴费"，进入"社保缴费"业务，选择"城乡医疗+长护险缴费"。 2."海南医保"小程序或App。进入"海南医保"首页，点击"居民医保及长护险缴费"进入"社保云缴费"小 程序。 ...

北京商报讯（记者 胡永新）2月25日，北京商报记者了解到，四川省人民政府办公厅近日印发的《关于 进一步促进服务业创新突破的实施意见》提出，丰富多层次养老服务，扩大长期护理保险制度覆盖面。 吸引社保基金等国家级基金、保险公司、金融资产投资公司设立或者投资创业投资基金。引导有条件的 地区申建期货交割库，探索开展"保险+期货"服务。 ...

中国社科院保险与经济发展研究中心主任郭金龙表示，当前，保险业在强化保障功能方面仍存在一 些问题。一方面，保险保障覆盖不均衡，对新业态从业者的保障不足，对前沿领域和细分领域保障滞 后；另一方面，保险产品设计同质化严重，保障深度不够。 郭金龙对强化保险功能提出四点建议。第一，不断扩大覆盖面，尤其是对于空白领域以及弱势群体 加强保障；第二，优化产品供给，重点关注慢病管理领域的产品创新；第三，升级服务体系，推动风险 减量相关政策落地执行；第四，深化生态协同，构建多方联动保障格局，加强各部门、各主体间的合 作，助力普惠保险发展。 "保障是保险最基本的功能，是市场经济条件下补偿损失、风险管理最基本的手段。"原中国保监会 副主席魏迎宁表示，随着长寿时代到来，寿险保障已从传统死亡保障延伸至生老病死全生命周期，个人 养老金、长期护理保险等成为重点方向。商业保险的核心定位是"补充保障"，可以在养老、高端医疗、 专业护理等领域精准发力。 在近日举办的"强化保险保障功能与行业高质量发展"研讨会上，与会人士围绕如何强化保险保障核 心功能、高质量服务国计民生展开深入探讨。 魏迎宁认为，寿险业要向"新寿险"转型，创新产品与服务链接，"寿险 ...

四川今年将在有条件的统筹区启动实施长期护理保险制度 转自：成都日报锦观 记者从省政府网站获悉，近日，省政府印发《四川省建立长期护理保险制度实施方案》（以下简称《方 案》）。根据《方案》，今年将在有条件的统筹区启动实施长期护理保险制度；2027年，全省全面实施 长期护理保险制度，实现与社会福利及救助政策的有序衔接，促进商业护理保险及护理相关产业发展。 2028年，基本构建起责任共担、公平适度、科学规范的多层次长期护理保障体系。 《方案》明确，用人单位以及单位职工、退休人员、灵活就业人员和未就业城乡居民等按照属地管理原 则，参加长期护理保险。18周岁以下人员跟随父母或其他法定抚养人等参保，不单独筹资。孤儿、事实 无人抚养儿童等中无法随同参保的特殊人员，由民政等部门认定后可视同参保。 享受长期护理险的人，待遇享受不设起付标准，基金年度最高支付限额不超过上年度全省城乡居民人均 可支配收入的50%。按未就业城乡居民参保政策参保的，基金支付比例为50%左右；按单位职工参保政 策参保的，基金支付比例为70%左右，退休人员享受单位职工参保待遇；灵活就业人员依据选择的参保 政策类型享受相应待遇。根据失能等级、服务提供方式等实行 ...

"以前每月带老人跑医院，现在护理员上门服务，长护险还能报销大半费用。"山东毕大妈家人的感慨， 让笔者感受到失能老年人家庭的获得感。如今，长护险团队每周上门为瘫痪在床的毕大妈护理、采血， 大大减轻了家庭照护负担。 从落实看，无论哪种政策，都需要因地制宜、精细施策，打通"最后一公里"。 我国幅员辽阔，不同地域间差异较大，必须精准对接地方实际。海南立足自贸港"候鸟人群"集聚的特 点，积极推进省级统筹全覆盖，未来将鼓励省外符合条件的候鸟旅居人群在海南参加长护险。浙江金华 构建村（社区）代办员、养老机构护理员协同服务体系，助力养老服务消费补贴申领从"能办"走向"好 办"。找准工作着眼点、政策发力点，结合老龄化程度、经济社会发展水平和文化传统，下足绣花功 夫，方能将保障落到细处。 从长远看，优化服务供给的过程，也是激活经济动能的过程。 失能照护不仅是民生工程，也将打开养老服务产业新空间。山东青岛以"定点机构管理+职业培训"双轮 驱动，壮大专业化人才队伍，1.53万名备案服务人员为照护质量"托底"。浙江湖州建设长护产业园，推 动护理服务专业化、规模化发展。据不完全统计，"十四五"时期，49个试点城市长护险拉动社会资本投 入 ...

2019年，王淑欣老人入住福山老年公寓，因大面积脑梗死导致右侧肢体偏瘫、言语含糊，被评估为 长护险重度失能5级。"母亲的护理、床位、加餐、取暖等各项养老费用加起来每月要8000多元，对家里 来说是不小的经济负担。"王淑欣女儿告诉《金融时报》记者，如今，叠加长护险和养老服务消费补贴 两项政策后，每月个人仅需支付6120元。其中，养老服务消费券直接抵扣了800元。 新春将至，年味渐浓。在山东青岛的福山老年公寓里，暖意满满。93岁的王淑欣老人安详地躺在病 床上，前来探望的女儿正俯身为她整理被褥。谈及母亲的养老开销，女儿满是欣慰地说："以前，总担 心母亲的养老费用不够。现在，不仅能享受长护险待遇，还能领到养老服务消费补贴，每月能省2000多 元。这些政策真是实实在在为我们老百姓减负。"朴实的话语，道出了众多失能老人家属的心声。 "以前，总觉得养老院的消费门槛高，普通家庭难以承受。"王淑欣女儿坦言，如今，养老院有护理 员24小时贴心照料、有专业医疗资源随时保障，再加上消费补贴大幅降低了养老成本，彻底打消了她的 顾虑。"春节快到了，看着母亲在这里被照顾得舒舒服服、平平安安，我们全家都很安心。" 截至目前，山东省累计发放养 ...

从落实看，无论哪种政策，都需要因地制宜、精细施策，打通"最后一公里"。 我国幅员辽阔，不同地域间差异较大，必须精准对接地方实际。海南立足自贸港"候鸟人群"集聚的特 点，积极推进省级统筹全覆盖，未来将鼓励省外符合条件的候鸟旅居人群在海南参加长护险。浙江金华 构建村（社区）代办员、养老机构护理员协同服务体系，助力养老服务消费补贴申领从"能办"走向"好 办"。找准工作着眼点、政策发力点，结合老龄化程度、经济社会发展水平和文化传统，下足绣花功 夫，方能将保障落到细处。 "以前每月带老人跑医院，现在护理员上门服务，长护险还能报销大半费用。"山东毕大妈家人的感慨， 让笔者感受到失能老年人家庭的获得感。如今，长护险团队每周上门为瘫痪在床的毕大妈护理、采血， 大大减轻了家庭照护负担。 好消息是，"十五五"时期，长期护理保险制度将从试点转向全面建制。不久前，还有一份真金白银的民 生"礼包"精准送达：面向中度以上失能老年人发放养老服务消费补贴的政策在全国正式实施。 作为"社保第六险"，长护险具有普惠兜底的特点，为失能群体提供基础性保障。作为专项补贴，养老服 务消费补贴具有精准性，能进一步提升服务供给质量。两相结合，完善失能老年人 ...

Macro and Strategy Research - Long-term care insurance (referred to as "long-term care insurance") is designed to mitigate the financial risks associated with long-term disabilities, providing economic security or service payments to individuals requiring ongoing personal care and medical assistance. There are three models in practice: social insurance, commercial insurance, and care allowances. To address the medical care needs arising from an aging population, China's long-term care insurance system has been piloted in 49 cities, transitioning from a "pilot" phase to a "promotion" phase during the 14th Five-Year Plan period [2][4]. - Japan's long-term care insurance was implemented in 2000, mandating that individuals over 40 must enroll. Funding is shared equally between public funds (taxes) and insurance premiums. Care service costs are generally covered 90% by the insurance, with individuals responsible for 10%, and some high-income groups covering 20-30%. The application process for care services follows a detailed recognition process, ensuring that public resources are prioritized for those in greatest need. As of April 2024, approximately 6.7% of the insured population utilizes care services, indicating that the insurance primarily addresses the low-frequency, high-risk care needs of the elderly [3]. - Currently, China's long-term care insurance system is still in the "pilot" stage, with only 0.8% of beneficiaries among participants as of 2024. Under the directive to "promote long-term care insurance" during the 14th Five-Year Plan, provinces like Hainan, Yunnan, and Hebei have released implementation plans. The insured groups include employees, retirees, flexible workers, and unemployed rural residents, with payment ratios of approximately 70% for employees and around 50% for non-employed rural residents [4]. - In comparison, there are notable differences between China's long-term care insurance and Japan's system in terms of funding sources, insured groups, benefit systems, and protected populations. Japan's long-term care insurance has undergone eight rounds of reforms, emphasizing a "prevention-first" approach, which can help control costs and establish community prevention and intervention systems for mild disabilities, serving as a significant reference for China's long-term care insurance system [5]. Fund Research - The public fund market saw a total scale exceeding 280 billion yuan, with the equity market experiencing a downturn. During the week from February 2 to February 6, 2026, all major equity indices declined, with the largest drop being 5.76% in the STAR 50 index. Among 31 primary industries, 18 saw gains, with the top five performing sectors being food and beverage, beauty care, electrical equipment, comprehensive, and transportation [6][8]. - The average decline for equity funds was 2.27%, with only 18.81% achieving positive returns. Fixed-income plus funds fell by an average of 0.23%, with 40.77% showing positive returns. Pure bond funds increased by 0.08%, with a remarkable 98.70% positive return rate. The average decline for pension target funds was 0.73%, with only 3.52% achieving positive returns. QDII funds also saw an average decline of 2.54%, with 13.95% showing positive returns [8]. - The ETF market experienced a net inflow of 14.899 billion yuan, with only cross-border ETFs achieving net inflows of 21.624 billion yuan. The average daily trading volume in the ETF market reached 619.629 billion yuan, with an average turnover rate of 9.49% [8]. Industry Research - The report highlights the importance of the upcoming Spring Festival consumption, with a focus on the potential recovery of valuations in the home furnishing sector. Nine departments have jointly issued a document to create a festive consumption atmosphere during the Spring Festival [10][13]. - From February 2 to February 6, the light industry manufacturing sector outperformed the CSI 300 index by 2.29 percentage points, while the textile and apparel sector outperformed by 2.66 percentage points [10]. - The Ministry of Commerce and other departments have launched the "2026 'Happy Shopping Spring' Special Activity Plan," which will take place from February 15 to 23, aiming to stimulate consumption through innovative cross-sector collaborations and incentives to enhance consumer participation. This policy is expected to positively impact the consumption of home appliances and home decoration products during the implementation period [13].

Core Viewpoint - The Jiangsu province is enhancing public awareness of pension planning and financial literacy through a series of public welfare activities aimed at building a multi-tiered pension insurance system [1] Group 1: Event Overview - The first public welfare activity for pension financial knowledge was held in Nanjing on February 6, initiated by the Jiangsu Regulatory Bureau of the National Financial Regulatory Administration and the Jiangsu Provincial Human Resources and Social Security Department [1] - The activities will continue until June of this year, with a focus on educating the public about pension insurance systems, enterprise annuities, personal pensions, and commercial pension insurance [1] Group 2: Financial Development in Jiangsu - Jiangsu has been actively channeling financial resources into the pension sector, resulting in significant growth in pension finance [1] - By the end of 2025, the balance of commercial pension pilot accounts in the province is expected to exceed 7.6 billion yuan, with over 16 million personal pension accounts opened [1] - The annual premium income from pension annuity insurance reached 24.639 billion yuan, marking a year-on-year increase of 110.76% [1] - Under policy guidance, the "Hui Min Bao" insurance has covered over 10 million people, and long-term care insurance has achieved full coverage in municipal districts, benefiting 9.5 million elderly individuals with inclusive accident insurance [1] Group 3: Future Directions - The Jiangsu Provincial Human Resources and Social Security Department plans to strengthen information sharing and policy collaboration with the financial regulatory bureau to create a synergistic development force [2] - The Jiangsu Financial Regulatory Bureau emphasizes the need for financial institutions to continuously enrich product offerings and deepen the entire pension service industry chain to support the establishment of a "Su Suitable Pension" financial ecosystem [2]

Group 1 - The core viewpoint of the report emphasizes the importance of establishing a long-term care insurance (LTCI) system in China to address the financial risks associated with long-term disabilities and to provide economic security for individuals requiring continuous care [2][11][14] - The report outlines three models of LTCI: social insurance, commercial insurance, and care allowances, highlighting the characteristics and objectives of each model [11][12][13] - The report indicates that China's LTCI system is currently in the pilot phase, with plans to transition to a broader implementation during the 14th Five-Year Plan period, aiming to establish a comprehensive care system for the elderly [15][16] Group 2 - The report provides insights into Japan's long-term care insurance (介护险) system, which was established in 2000, requiring individuals over 40 to participate, with funding shared between government and insurance fees [18][21] - It details the current status of Japan's介护险, noting that as of April 2024, the number of insured individuals aged 65 and above reached 35.91 million, with service users totaling 5.29 million, indicating a significant increase since the system's inception [31][34] - The report discusses the reform directions of Japan's介护险, focusing on transitioning from passive care to proactive prevention, restructuring financial burdens, and integrating medical and care information systems [37][40] Group 3 - The report outlines the current state of China's LTCI, noting that as of 2024, 18.786 million individuals are participating, representing 50% of the basic medical insurance group, with a gradual increase in the number of beneficiaries [44][47] - It highlights the differences between China's LTCI and Japan's介护险 in terms of funding sources, coverage, and benefit structures, emphasizing China's focus on establishing a self-sustaining insurance model [56][57] - The report suggests that Japan's experience in developing a preventive care system can provide valuable lessons for China as it seeks to establish its LTCI framework [60]