本报讯 （记者冷翠华）记者从中国人寿集团了解到，该集团及旗下子公司持续做好普惠金融大文章， 围绕重点保障群体、中小微企业发展以及乡村振兴等关键领域，切实增强金融服务的多样性、普惠性、 可及性。 目前，中国人寿集团旗下子公司中国人寿保险股份有限公司（以下简称"中国人寿"）已经开发的具有普 惠性质的保险产品包括大病保险、长期护理保险、城市定制型商业医疗保险、税优健康保险、税延养老 保险、专属商业养老保险以及意外伤害保险等，为广大人民群众提供丰富、多样的普惠性质的保险保 障。数据显示，中国人寿当前已参与承办200多个大病保险项目、140多个城市定制型商业医疗保险项 目，并推出首款长期失能收入损失险，切实发挥保险主责主业特长，为人民美好生活保驾护航。中国人 寿集团旗下子公司中国人寿财产保险股份有限公司（以下简称"国寿财险"）针对退役军人医疗保障，推 出"惠军保"项目，自2022年以来，已累计为超1827万人次退役军人及其亲属提供风险保障近61万亿元， 有力缓解了患病退役军人家庭的经济负担；针对一线职工，推出"惠工保"项目，已为全国近130万职工 及其亲属提供风险保障超3.8万亿元。 数据显示，2025年前三季度，国寿 ...

Core Insights - The recent "14th Five-Year Plan" emphasizes the implementation of long-term care insurance and the establishment of a care system for elderly individuals with disabilities and dementia [1] Group 1: Long-Term Care Insurance Implementation - Various regions are actively promoting pilot programs for long-term care insurance, utilizing artificial intelligence to enhance the professionalism and standardization of care services [1][2] - The long-term care insurance is referred to as the "sixth insurance" following pension, medical, work injury, unemployment, and maternity insurance [17] - As of now, nearly 190 million people are covered under the long-term care insurance system, with expenditures exceeding 85 billion yuan, primarily for basic living care and related medical expenses for long-term disabled individuals [25] Group 2: Service Quality and Monitoring - The local long-term care insurance main underwriter has established a comprehensive quality control system, utilizing AI to achieve "visualization and traceability" of the entire service process [7][11] - Real-time data collection during care services, combined with AI recognition and remote video inspection, significantly improves regulatory efficiency and service standardization [11][15] Group 3: Coverage and Accessibility - Coverage varies among cities, with some including all urban and rural insured individuals, while others allow those already assessed as severely disabled to enjoy benefits without prior payment [19][21] - In Taizhou, the annual fee for long-term care insurance is set at 90 yuan per person, with different contributions from employees and government [23] Group 4: Innovations and Special Cases - Zhejiang province has initiated inter-city long-term care insurance services, allowing insured individuals to apply for services while residing in different cities within the province [29] - Dynamic assessment mechanisms are established to ensure resources are accurately matched to the needs of disabled individuals, with regular evaluations to adjust care standards accordingly [39][41] - The recent policy from the National Financial Regulatory Administration supports the conversion of life insurance benefits into care expenses for disabled individuals, enhancing access to care services [43]

Core Insights - The recent "14th Five-Year Plan" emphasizes the implementation of long-term care insurance to enhance the care system for elderly individuals with disabilities and dementia [1][6] - Various regions are actively promoting pilot programs for long-term care insurance, leveraging artificial intelligence to improve the professionalism and standardization of care services [1][3] Group 1: Long-term Care Insurance Implementation - Long-term care insurance is recognized as the "sixth insurance" following pension, medical, work-related injury, unemployment, and maternity insurances [6] - The insurance aims to cover individuals with severe disabilities, with some regions allowing those assessed before the pilot to receive benefits without premium payments [8][11] Group 2: Coverage and Costs - In Taizhou, the annual fee for long-term care insurance is set at 90 yuan, with different contributions from employees and government funds based on insurance type [10] - The program has expanded to cover nearly 190 million people across 49 cities, with expenditures exceeding 85 billion yuan, primarily for basic living care and medical expenses for long-term disabled individuals [12] Group 3: Service Quality and Monitoring - The care service includes a comprehensive quality control system, utilizing AI for real-time data collection and remote monitoring to ensure service quality and risk management [4][5] - The insurance allows for dynamic assessment of care needs, ensuring that resources are allocated based on the latest evaluations of disability levels [24] Group 4: Innovations and Future Developments - From September 2025, Zhejiang province will implement inter-city services for long-term care insurance, allowing insured individuals to access services while residing in different cities within the province [15] - The introduction of community home care subsidies for family caregivers highlights the adaptability of the long-term care insurance model to meet specific care needs [22]

中国路径:推动企业年金、职业年金从"自愿"向"准强制"转型，探讨对未建立年金的企业征收额外税费。简化管理流程，降低中小企业参与门槛。结合产 业政策，对高新技术、绿色产业企业给予年金补贴。 国际经验:美国IRA账户允许个人自主投资，税收递延政策吸引中高收入群体;新加坡中央公积金(CPF)提供多元化投资选项，满足个性化需求。 国际经验:美国OASDI计划通过指数化月平均工资计发养老金，缩小收入差距;德国法定养老保险采用"现收现付"与"个人账户"结合模式，增强抗风险能 力。 中国实践:推进基本养老金全国统筹，以"一个蓄水池"提升资金的互济共济功能，解决区域间基金不平衡问题。探索"基础养老金+个人账户"双轨制，提高 低收入群体补贴比例。试点长期护理保险(长护险)，覆盖4500万失能老人，2024年累计支出超850亿元。 国际经验:澳大利亚超级年金计划通过立法强制雇主缴费，覆盖率超90%;加拿大注册养老金计划(RPP)提供税收优惠，激励企业参与。 中国创新:扩大个人养老金试点范围，提高年度缴费上限至3万元，增加税收优惠力度。2025年起，个人养老金制度在全国推开，EET (缴费投资免税、领 取征税)模式激励下，首月开户 ...

当前，养老保险体系的第三支柱迎来了前所未有的发展机遇，其核心制度框架与试点产品持续精 进，"金融+养老"进入发展快车道。11月17日，广东省地方金融管理局发布《广东省推动养老金融高质 量发展的实施方案》(以下简称《实施方案》)。 广东省并非个例，近两年，陕西、江苏、河北等地金融监管部门已经就金融支持"老有所依"作出相关部 署。作为做好"养老金融"大文章的主力军，保险业是加快健全我国多层次多支柱养老保障体系的重要力 量。政策鼓励下，保险业如何紧跟政策导向和市场需求，积极打造多层次"保险+养老"服务模式？ 养老金融政策密集落地 近两年，围绕养老金融的政策框架进一步完善，为我国保险业深度参与养老保障体系建设提供了清晰指 引。 苏商银行特约研究员付一夫表示，政策文件的出台有助于推动养老金融体系的完善，包括产品创新、服 务提升、市场监管等方面。这将有助于形成更加健全、多元化的养老金融体系，为老年人提供更加全 面、优质的金融服务。 日前，广东省发布《实施方案》，明确提及加快商业保险年金产品创新，探索提供"医、护、康、养、 居"一体化的养老金融综合解决方案。积极发展商业健康保险，支持开发符合老年人健康风险保障需求 的保险产 ...

"十五五"规划建议提出，推行长期护理保险，健全失能失智老年人照护体系，扩大康复护理、安宁疗护 服务供给。 2016年国家启动长期护理保险制度试点，2020年试点工作稳妥有序扩大至49个城市……9年来，试点工 作总体进展顺利，阶段目标基本实现。 ——编 者 数据显示，目前我国有超4500万失能失智老年人，长期护理保险有助于应对"一人失能、全家失 衡"的社会难题，为失能人群及其家庭带来了希望。 长护险如何购买、如何理赔？参保者能享受哪些服务和保障？针对失能老年人等群体有什么便利化 举措？ 报销一定比例医疗服务费，缓解失能老人家庭压力 "大爷，按摩完感觉好一些了吧？该吸氧了。"护工陈小亮扶着82岁的老人王保安坐了起来，把吸氧 管伸到他的鼻下。家住山西晋城市城区的王保安，患有肺气肿等多种疾病，不能正常走路、双手时常颤 抖。老人此前参保了长护险，2024年4月申请了长护险待遇，选择了居家和上门护理叠加的模式。 参保人在享受长护险待遇期间发生的医疗服务费，根据实际发生费用按比例报销，生活照护费则与 参保人的参保类别、失能评估等级挂钩。青岛莱西市日庄镇的倪合海老人，享受长护险待遇的前一年， 光住院费就高达6万元，其中个人负 ...

Core Insights - The article discusses the implementation and expansion of long-term care insurance (LTCI) in China, highlighting its role in addressing the needs of over 45 million elderly individuals with disabilities or dementia [2][3][4] - The LTCI system aims to provide comprehensive care services, including medical care and daily living assistance, to alleviate the burden on families of disabled elderly individuals [5][6] Group 1: Long-term Care Insurance Implementation - The LTCI pilot program was initiated in 2016 and has expanded to 49 cities by 2020, achieving its initial goals over the past nine years [1] - In Jin City, over 560,000 individuals are enrolled in the LTCI program, with more than 5,145 receiving benefits, totaling over 84 million yuan in fund expenditures [2][4] - Ningbo has over 8.3 million participants in the LTCI program, providing benefits to nearly 50,000 severely disabled individuals and their families [3] Group 2: Service Provision and Coverage - The LTCI system in Qingdao covers 9.39 million participants, including both urban and rural residents, with benefits linked to the level of disability assessed [4][6] - Services provided under LTCI include both medical care and daily living assistance, with specific provisions for home care and institutional care based on the severity of disability [6][7] - The program has introduced various service categories, including rehabilitation and specialized care for low-age disabled individuals, such as children with autism [7][8] Group 3: Accessibility and Convenience - The LTCI program has implemented measures to facilitate access for elderly individuals, including online and offline application channels, and a dedicated interface for elderly users [10] - To address the challenges faced by elderly individuals living in different locations from their place of insurance, a pilot program for direct payment of LTCI benefits in different cities is set to begin in January 2025 [8][9] - The system allows for efficient processing of applications and assessments, ensuring timely access to care services for disabled elderly individuals [9][10]

——编者 数据显示，目前我国有超4500万失能失智老年人，长期护理保险有助于应对"一人失能、全家失衡"的社 会难题，为失能人群及其家庭带来了希望。 长护险如何购买、如何理赔？参保者能享受哪些服务和保障？针对失能老年人等群体有什么便利化举 措？ 报销一定比例医疗服务费，缓解失能老人家庭压力 "大爷，按摩完感觉好一些了吧？该吸氧了。"护工陈小亮扶着82岁的老人王保安坐了起来，把吸氧管伸 到他的鼻下。家住山西晋城市城区的王保安，患有肺气肿等多种疾病，不能正常走路、双手时常颤抖。 老人此前参保了长护险，2024年4月申请了长护险待遇，选择了居家和上门护理叠加的模式。 2021年1月，晋城市长护险制度正式启动实施。"只要是晋城市户籍的职工，参保不限年龄和身体条 件。"晋城市医保局四级调研员赵艺嵘介绍，失能状态达到6个月以上、病情基本稳定、需要长期护理就 可以申请长护险待遇，在辖区医保服务窗口或线上提交申请。"截至目前，晋城市长护险参保人数超56 万人，享受待遇的有5145人，基金支出超8400万元。"晋城市医保局局长赵锦会说。 在浙江宁波，长护险参保人数已超过830万人，长护险制度为近5万名重度失能人员及其家庭带来便利 ...

当前，养老保险体系的第三支柱迎来了前所未有的发展机遇，其核心制度框架与试点产品持续精 进，"金融+养老"进入发展快车道。11月17日，广东省地方金融管理局发布《广东省推动养老金融高质 量发展的实施方案》（以下简称《实施方案》）。 广东省并非个例，近两年，陕西、江苏、河北等地金融监管部门已经就金融支持"老有所依"作出相关部 署。作为做好"养老金融"大文章的主力军，保险业是加快健全我国多层次多支柱养老保障体系的重要力 量。政策鼓励下，保险业如何紧跟政策导向和市场需求，积极打造多层次"保险+养老"服务模式？ 养老金融政策密集落地 引导长期资金布局养老产业 作为长期资本、耐心资本，保险资金具有长周期资金优势，与养老产业长周期相匹配。多地都提到，引 导保险资金为养老服务体系壮大提供长期资金支持。 如广东省发布的《实施方案》明确，引导保险资金通过股权、债券、基金、资产支持计划、保险资产管 理产品等多种形式，为养老服务运营主体、老年助餐服务机构提供资金支持。此前河北省发布的《关于 银行业保险业做好养老金融大文章的通知》也提到，推动"险资入冀"布局养老产业。在风险有效隔离的 基础上，支持保险机构以适当方式参与养老服务体系建设 ...

Core Viewpoint - Guangdong Province has launched its first dedicated policy for pension finance, aiming to establish a modern pension finance system that aligns with the region's demographic, industrial, and financial structures [1][2]. Group 1: Implementation Goals - The implementation plan outlines two phases: by 2028, the pension finance supply system will be largely improved, and by the end of the 14th Five-Year Plan, financial support for pension fund utilization will be more mature and stable [2][3]. - Guangdong faces dual pressures from an aging population and increasing demand for pension services, but it also has a strong financial market and high capital supply capabilities [2][4]. Group 2: Product and Service Development - The plan includes measures to enhance the pension finance product system, such as establishing pension finance departments in banks and improving service channels for the elderly [3][4]. - Financial institutions are encouraged to innovate pension products, including long-term care insurance and specialized financial products for personal pensions [3][5]. Group 3: Financial Support for Pension Services - A "white list" mechanism for pension institutions and enterprises will be established to guide financial resources towards compliant and stable pension projects [4][5]. - Various financial tools, including loans, bonds, and asset securitization, will be utilized to promote the development of standardized and large-scale pension facilities [4][6]. Group 4: Rural and Cross-Border Pension Services - The plan emphasizes financial support for home-based and community elderly care services, particularly in rural areas, and encourages the development of inclusive financial products for these services [5][6]. - Cross-border pension finance cooperation is highlighted as a strategic focus, with plans to support cities like Guangzhou in becoming pension finance demonstration cities [5][6]. Group 5: Risk Management and Policy Implementation - A comprehensive risk prevention mechanism will be embedded in the pension finance process, including consumer protection and financial literacy education for the elderly [6]. - The plan establishes a collaborative mechanism for policy implementation, with a focus on creating replicable models for pension finance development across the province [6].