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长期护理保险
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政策性及商业长护险双双按下加速键
Bei Jing Shang Bao· 2025-10-08 15:35
在政策性长护险"保基本、兜底线"基础上,商业长护险可为失能人员提供更高水平、更广范围、更具个 性化的护理保障,助力构建"基本+补充"的多层次保障格局。 步入老龄化社会后,我国人口老龄化程度处于高速增长态势,很多失能失智老年人面临护理保障缺口, 建立契合国民实际需求的长护险制度越发具有紧迫性和必要性。北京商报记者注意到,近期推动政策性 长护险和商业长护险发展的政策信号均持续释放。具体来说,国家医保局近期发布《国家长期护理保险 服务项目目录(试行)》(以下简称《长护服务目录》),明确了长护险基金支付的36项基本服务项 目,涵盖生活照料、专业护理、健康管理三大类,包括清洁护理、饮食照料、压疮预防、康复训练、心 理支持等具体内容,并对服务频次、技术规范作出细化规定。国家医保局表示,《长护服务目录》的出 台,有助于规范长护服务行为,提升服务质量,稳定保障长期护理保险待遇享受人员权益,更好保障长 期护理保险基金平稳运行。 "一人失能,全家失衡",这句在养老场景中反复出现的感慨,道尽了千万家庭面对失能老人的沉重负 担。随着我国老龄化进程持续加深,这一困境正从个体家庭问题逐渐演变为社会共性痛点。据了解,我 国失能失智老年群体 ...
金融监管总局:支持保险公司做好大病保险服务保障
Bei Jing Shang Bao· 2025-09-30 12:08
Core Viewpoint - The Financial Regulatory Administration has issued guidelines to promote the high-quality development of health insurance, focusing on improving service efficiency and management in critical illness and long-term care insurance [1] Group 1: Health Insurance Development - The guidelines support insurance companies in enhancing critical illness insurance services and operational efficiency [1] - There is an emphasis on providing refined and standardized management services for long-term care insurance [1] Group 2: Management and Compliance - The guidelines call for the standardization of entrusted management contracts, leveraging the professional advantages of insurance companies [1] - There is a focus on comprehensive services including health protection scheme design, consulting, health management, medical service investigation, and payment auditing [1] - The guidelines stress the importance of compliance and fairness in the design of entrusted management business plans and fund payments [1]
情暖“双节” 关爱同行——中国人寿财险山东省分公司多措并举传递保险“温度”
Qi Lu Wan Bao· 2025-09-30 07:55
齐鲁晚报˙齐鲁壹点记者闫明 通讯员郑彦 崔广勋 国逢盛世普天庆,月到中秋分外明。2025年国庆、中秋"双节"临近之际,中国人寿财险山东省分公司组织全省分支机构同步开展系列公益活动,聚焦失能 老人、一线交警、环卫工人、货车司机等群体,以暖心举措、真情守护践行金融央企社会责任与担当,传递公司关心与关爱。 关爱失能老人,长护服务送上门。济南、德州、潍坊、淄博等中心支公司工作人员走进失能老人家中开展上门服务送关爱活动。在德州临邑,工作人员详 细了解失能老人的生活起居与身体状况,倾听他们的心声。一位老人激动地表示:"感谢国家政策,感谢中国人寿,让我们有了依靠。"据悉,截至2025年 08月份,中国人寿财险山东省分公司已承保济南、济宁、德州、滨州、淄博、潍坊、枣庄、威海八家机构长期护理保险项目。覆盖人群约886.8万人,累计 赔付65.8万人次,赔款3.8亿元。 此次系列公益活动,是中国人寿财险山东省分公司践行"以人民为中心"发展思想的具体体现。下一步,公司将进一步创新保险服务形式,积极回应居民保 障需求,不断拓展服务边界,努力为群众做好事、办实事、解难题,不断提升大家的获得感、幸福感、安全感,为构建和谐社会贡献更多保险 ...
辅具租赁服务纳入烟台市长期护理保险保障范围
Qi Lu Wan Bao Wang· 2025-09-30 01:48
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]
事关病床上的老人 长护险的服务项目清单终于明确了!
Jing Ji Guan Cha Wang· 2025-09-29 01:23
Core Viewpoint - The establishment of the National Long-term Care Insurance (LTCI) system is progressing towards a nationwide framework, with the release of the "National Long-term Care Insurance Service Project Directory (Trial)" marking a new phase of standardization and normalization in LTCI service system construction [2][3]. Summary by Categories LTCI Service Framework - The LTCI system aims to provide basic living care and related medical services for long-term disabled individuals, similar to other social insurance systems, and is referred to as the "sixth insurance" in social security [3]. - The plan is to establish a comprehensive urban-rural LTCI system within approximately three years, focusing on a shared funding mechanism and a fair treatment guarantee mechanism [3][4]. Service Project Directory - The directory includes 36 service items categorized into two main types: 20 items for daily living care and 16 items for medical care [4][5]. - Daily living care services encompass assistance with daily activities such as eating, toileting, hygiene, dressing, and maintaining basic living abilities [4][9]. - Medical care services include basic medical care closely related to daily living care, such as general check-ups, basic care, specialized care, and rehabilitation [5][10]. Implementation and Transition - The LTCI system will differentiate responsibilities between LTCI funds and basic medical insurance funds, ensuring that costs for services listed in the directory are covered by the LTCI fund [6]. - Pilot cities that have established their own service project directories must align with the national directory within three years, while new regions must adhere to the national standards from the outset [6][8].
国家医保局明确长护险服务项目目录,高品质养老需求快速上升
Huan Qiu Wang· 2025-09-29 00:56
Core Viewpoint - The National Healthcare Security Administration has issued a trial version of the National Long-term Care Insurance Service Project Directory, which includes 36 service items funded by the long-term care insurance fund, while also initiating a special rectification of medical insurance fund management to combat fraud [1][2]. Group 1: Long-term Care Insurance Development - Japan implemented the Long-term Care Insurance Law in 1997, establishing a mandatory nationwide care insurance system, which diversified the elderly care service system [1]. - Prior to the implementation of the Long-term Care Insurance Law, Japan's elderly care services relied heavily on public institutions and a few non-profit organizations, leading to a lack of competition and inefficiency [1]. - The introduction of the Long-term Care Insurance Law allowed private enterprises to participate in service provision, significantly increasing the number of care service institutions and creating a competitive market structure [1]. Group 2: China's Long-term Care Insurance Pilot - China officially launched the long-term care insurance pilot in 2016, covering 15 cities and 2 key provinces, focusing on providing support for severely disabled individuals under employee medical insurance [2]. - Various cities have explored diverse service models, with some focusing on institutional care and others emphasizing home-based services to meet daily care and medical needs of the elderly [2]. - These explorations have accumulated valuable experience for system improvement, leading to a rapid increase in demand for high-quality elderly care supplies as the long-term care insurance system expands [2]. Group 3: Financial Projections - In 2023, the number of individuals covered by long-term care insurance is projected to be 18.331 million, with a total medical insurance enrollment of 1.33389 billion [3]. - The long-term care insurance fund revenue for 2023 is estimated at 24.4 billion yuan, with an average per capita contribution of 133 yuan [3]. - If the long-term care insurance is expanded to cover all medical insurance participants, the revenue scale could reach 177.3 billion yuan, and if it matches the average revenue ratio of similar systems in the US, Japan, Germany, and France, it could reach 633.3 billion yuan [3].
《中国养老金融》出版 探讨积极应对人口老龄化系统方案
Jing Ji Ri Bao· 2025-09-28 08:30
Core Viewpoint - The publication of "China's Pension Finance" addresses the urgent need for financial solutions to meet the growing pension demands in China due to an aging population, projected to reach 310 million people aged 60 and above by the end of 2024 [1][2]. Group 1: Importance of Pension Finance - Pension finance is significant for expanding long-term capital supply, acting as a source of "patient capital" [2] - It alleviates fiscal pressure politically and enhances the status of laborers [2] - Culturally, it promotes long-termism, aligning with the prudent financial culture of China [2] - Socially, it fosters equity and intergenerational balance [2] - It contributes to ecological civilization by promoting green investment and sustainable development [2] Group 2: Structure and Content of the Book - The book is structured into two main parts based on the life cycle: one focusing on pre-retirement financial systems to enhance pension capabilities, and the other on supporting pension services and products during retirement [1] - It employs a writing style that combines theory, data, charts, case studies, and recommendations, making it accessible for both academic and public audiences [2] - The book has received support from national research projects, indicating its academic and practical relevance [2] Group 3: Broader Implications - "China's Pension Finance" serves as a systematic academic support and practical pathway for building a pension finance system in China, highlighting the role of finance in enhancing public welfare and supporting development [2]
失能的老人疲惫的子女,长护险终于来了
3 6 Ke· 2025-09-28 00:33
Core Viewpoint - The long-term care insurance (LTCI) system in China is transitioning from local trials to a national framework, aiming to provide essential support for families dealing with long-term care needs due to aging or disability [1][2][3] Group 1: Implementation Progress - The LTCI system has been piloted for nine years and is now set for nationwide implementation, with various regions like Guizhou and Tianjin actively developing operational guidelines [2][4] - The National Healthcare Security Administration has issued a service project directory for LTCI, clarifying the payment scope and enhancing the system's design [2][3] - Regions such as Ningxia and Guizhou are establishing timelines for full coverage, with Guizhou aiming for a phased rollout by the end of 2025 [6][7] Group 2: Coverage and Benefits - As of 2023, approximately 1.8 billion people are enrolled in LTCI, with over 200,000 individuals receiving benefits, indicating a growing demand for care services [9] - The average monthly benefit for home care under LTCI is approximately 1,080.75 yuan, which helps alleviate financial burdens on families [7][8] - The system aims to cover a broader demographic, including unemployed urban residents, with a gradual increase in coverage expected over the next five years [13][14] Group 3: Funding Mechanisms - The LTCI funding model involves contributions from individuals, employers, and government subsidies, with a proposed rate of around 0.3% of income for sustainable financing [10][11] - In cities like Jingmen, the funding standard is set at 0.4% of the previous year's disposable income, with a combination of personal contributions and government support [10][12] - The LTCI system is designed to maintain a balance between personal, employer, and government contributions to ensure long-term viability [11][12] Group 4: Service Scope and Payment - LTCI services include essential daily care and medical support, with benefits varying based on the level of disability, ranging from 800 to 1,700 yuan per month [15][16] - The system is moving towards a model where funds are primarily used to pay for approved care services rather than direct cash payments to beneficiaries [16][17] - Future expansions may include coverage for smart care services and assistive devices as the system evolves [16][17]
These 6 Hidden Expenses Could Derail Your Retirement Plans -- At Least One Could Cost More Than $100,000 Per Year
Yahoo Finance· 2025-09-27 13:30
Group 1 - Retirement planning involves many unknowns and hidden expenses that are often overlooked [1] - Healthcare costs are significant, with a 65-year-old retiring in 2025 expected to spend an average of $172,500 on medical expenses throughout retirement, not including long-term care or dental services [4][5] - Housing costs extend beyond mortgage or rent, including homeowner insurance, property taxes, utilities, repairs, and potential modifications for accessibility [6][7] Group 2 - Long-term care is a critical expense, with 56% of Americans turning 65 expected to need it at some point in retirement [10] - The average annual cost for a home health aide is $77,792, while the median annual cost for a semi-private room in a nursing home is $111,325 [11]
失能的老人疲惫的子女,长护险终于来了!
经济观察报· 2025-09-27 05:07
Core Viewpoint - The long-term care insurance (LTCI) system in China is transitioning from local trials to a nationwide framework, significantly impacting family welfare related to elderly care and disability support [1][5][14]. Group 1: Implementation and Coverage - The LTCI system is set to cover more individuals, with a clear timeline for nationwide implementation by the end of 2025, as indicated by various local governments [5][10]. - As of September 2023, the National Medical Insurance Administration has issued a trial service project catalog, refining the scope of LTCI coverage [6][24]. - The LTCI is designed to provide basic life care and medical services for long-term disabled individuals, similar to other social insurance systems [4][14]. Group 2: Financial Structure and Contributions - The funding mechanism for LTCI involves contributions from individuals, employers, medical insurance funds, and local government finances, aiming to create a sustainable support network for the elderly and disabled [7][19]. - The contribution rates for LTCI are expected to be lower than other social insurance programs, with a proposed rate around 0.3% [18][19]. - In trial cities, the personal contribution is relatively low, with examples showing annual contributions ranging from 100 to 200 yuan, depending on local policies [19][21]. Group 3: Benefits and Services - Families with disabled members can receive monthly subsidies ranging from 800 to 1700 yuan, depending on the level of care required [23][24]. - The LTCI system includes a variety of services such as home care, rehabilitation support, and specialized medical assistance, which are crucial for families facing caregiving challenges [23][24]. - The introduction of home care services is expected to alleviate the burden on families, as seen in the case of a family benefiting from these services [3][12]. Group 4: Challenges and Future Outlook - Despite the progress, the LTCI system faces challenges in meeting the growing demand for care services due to the increasing elderly population, projected to exceed 20% by 2032 [13][15]. - The slow rollout of the LTCI system has been attributed to funding difficulties and inconsistent standards across regions [15][18]. - Future developments will focus on expanding coverage to include unemployed urban and rural residents, with a gradual increase in contribution rates over the next five years [20][21].