随着我国老龄化进程的加速，社会对多层次、多元化养老保障的需求日益迫切，驱动着保险行业不断进 行产品与服务创新，以满足老年人及其家庭在风险保障、财富管理与健康服务等方面的需求。 日前，北京市民政局发布《关于进一步做好养老服务机构综合责任保险的意见》（简称《意见》）。根 据该文件，意外伤残或身故责任、法律费用、第三者责任及其他应纳入保险范围的养老服务机构责任均 在保险理赔范围之列。 业内认为，该文件的推出，意味着养老机构综合责任实现"应保尽保"。除了北京以外，记者了解到，北 京、新疆、河北、上海等地均发布相关文件，旨在通过政府补贴或政策引导等措施，鼓励养老机构投保 养老机构责任保险，以化解养老服务过程中的意外事故等风险，提升服务质量。 养老金融产品日渐丰富 养老机构责任保险，是指入住老人在养老机构因各种原因发生事故，造成依法应由养老机构承担的经济 赔偿责任时，由保险公司在约定期间内按一定限额给予赔偿的责任保险。保障范围包括人身伤亡、无责 救助及法律费用。 他认为，应借助金融科技重构养老生态，通过AI与大数据整合多源信息、实现动态需求分析与个性化 资产配置，并建立"适老化+可信化"服务平台，探索算法建议与人工监督相 ...

[ 第一财经采访的长护险业内人士普遍认为，长护险全国落地面临筹资和服务供给等方面的不足，可持 续的长护险制度需要建立稳定多元的筹资渠道，从地方试点的情况来看，采用依靠医疗保险统筹基金划 拨作为单一筹资渠道的城市是极少数，大部分城市采用的是个人缴费、用人单位缴费、医保基金划转以 及财政补贴等多渠道的筹资方式。 ] 试点已满九年的长期护理保险（下称"长护险"）制度即将结束试点阶段，开始在全国范围内全面实施。 近日，国家医保局在四川成都举办全国加快推进长护险制度建设培训班，部署开启全面实施长护险的相 关工作。 第一财经从业内人士处获悉，长护险全国落地的"时间表"确定，在前期试点的基础上，将用三年左右基 本建立覆盖全民、统筹城乡、公平适度、科学规范，适应我国国情的长护险制度。同时也不会"一刀 切"，而是充分评估地方条件后分步分批实施。 央地密集部署长护险落地 8月15日，全国医疗保障工作年中座谈会将"全面实施长护险"列入了下一步医保部门的九大任务清单 中。 会议要求，合理规划配置定点长护服务机构，支持引导基层医疗机构提供长期护理服务，鼓励商保机构 开发保障功能相衔接的商业长护险产品。推进长期照护师培训和职业技能等级认 ...

会议要求，合理规划配置定点长护服务机构，支持引导基层医疗机构提供长期护理服务，鼓励商保机构 开发保障功能相衔接的商业长护险产品。推进长期照护师培训和职业技能等级认定。引导长期护理服务 下沉，提升居家、社区照护服务的可及性和可适性。 试点已满九年的长期护理保险（下称"长护险"）制度即将结束试点阶段，开始在全国范围内全面实施。 近日，国家医保局在四川成都举办全国加快推进长护险制度建设培训班，部署开启全面实施长护险的相 关工作。 第一财经从业内人士处获悉，长护险全国落地的"时间表"确定，在前期试点的基础上，将用三年左右基 本建立覆盖全民、统筹城乡、公平适度、科学规范，适应我国国情的长护险制度。同时也不会"一刀 切"，而是充分评估地方条件后分步分批实施。 央地密集部署长护险落地 8月15日，全国医疗保障工作年中座谈会将"全面实施长护险"列入了下一步医保部门的九大任务清单 中。 试点地区也在进一步完善长护险制度。据"上海发布"，8月25日，上海市委副书记、市长龚正主持召开 市政府常务会议，会议原则同意适当提高长护险养老机构照护费用支付标准并指出，适当提高长护险支 付标准，核心目的是减轻养老机构中失能老人负担，让失能老人 ...

在前期试点的基础上，将用三年左右基本建立长护险制度。 目前49个国家试点城市中，很多城市都是从职工医保起步，逐步覆盖到城乡居民，还有部分城市从2016 年启动试点以来至今尚未将城乡居民纳入长护险。 近日，国家医保局在四川成都举办全国加快推进长护险制度建设培训班，部署开启全面实施长护险的相 关工作。 第一财经从业内人士处获悉，长护险全国落地的"时间表"确定，在前期试点的基础上，将用三年左右基 本建立覆盖全民、统筹城乡、公平适度、科学规范，适应我国国情的长护险制度。同时也不会"一刀 切"，而是充分评估地方条件后分步分批实施。 央地密集部署长护险落地 8月15日，全国医疗保障工作年中座谈会将"全面实施长护险"列入了下一步医保部门的九大任务清单 中。 会议要求，合理规划配置定点长护服务机构，支持引导基层医疗机构提供长期护理服务，鼓励商保机构 开发保障功能相衔接的商业长护险产品。推进长期照护师培训和职业技能等级认定。引导长期护理服务 下沉，提升居家、社区照护服务的可及性和可适性。 一周之后的8月22日，国家医保局在长护险首批试点城市四川成都举办上述培训班。 试点已满九年的长期护理保险（下称"长护险"）制度即将结束试点阶 ...

浙江：长护险省内异地全流程"线上办"率先落地绍兴 通过异地申请通道，康康将很快享受到专业护理服务，其年迈奶奶的照护压力将得到显著缓解。 事实上，浙江是长护险试点较早的省份，2025年已实现全省参保缴费全覆盖，参保人数超5000万。随着 老龄化程度加深和人口流动加剧，失能者随亲人异地居住后难以享受长护险待遇的问题日益凸显。 浙江省医保部门发现，在前期调研及"民呼我为"平台群众反映情况中，相关诉求占比持续上升。 一位失能老人在接受照护服务。肖健 摄 中新网绍兴8月27日电(张煜欢)随着人口流动日益频繁，越来越多老年人随子女在异地生活，不少孩子 也跟随外出务工的父母生活在异地。而他们的长期护理保险(下称"长护险")参保关系在原户籍地，一旦 失能需要照护，便面临"参保地在原地、服务需求在异地"的难题。 一份长护险，挽救一个家庭。如今，浙江正以"三个打通"实现异地照护"无感结算"，努力让失能者无论 在浙江省内何处，都能享受"家门口"的专业照护。 近日，记者来到浙江省绍兴市上虞区，见证18岁的康康成为浙江首位通过线上渠道完成异地长护险申请 的受益人。 据了解，康康因脑瘫导致重度失能，常年卧床，日常生活完全依赖他人照护。其 ...

Core Insights - Long-term care insurance (LTCI) is seen as a crucial measure to address China's aging population, with 190 million people covered and over 2 million receiving benefits since the pilot program began in 2016 [1] Funding Challenges - The current funding model relies heavily on medical insurance funds and government subsidies, which increases the financial burden on medical insurance and raises concerns about sustainability [1] - A proposed multi-funding model includes government subsidies, medical insurance funds, personal contributions, and corporate support to mitigate financial risks and enhance responsibility among individuals and businesses [2] Service Supply Issues - There is a significant shortage of professional nursing services, with existing personnel often lacking adequate skills and the system failing to meet the actual needs of the elderly [1] - Recommendations include expanding nursing education, enhancing in-service training, and developing a comprehensive service system that integrates home, community, and institutional care [2] Standardization Barriers - The absence of a unified disability assessment standard leads to disparities in benefits across regions, necessitating the establishment of a national standard and a tiered pricing mechanism for nursing services [3] - The implementation of a national LTCI information platform is suggested to ensure comprehensive oversight of service delivery [3] Policy Coordination - There is a need for better integration between LTCI and other social security systems, such as pension and medical insurance, to improve the overall effectiveness of the LTCI program [2] - The National Healthcare Security Administration has indicated a commitment to developing a comprehensive LTCI system that aligns with China's national conditions and gradually covers the entire population [3]

随着我国人口老龄化程度持续加深，失能老人的照护难题成为社会关注的焦点。面对家中老人的失 能困境，许多家庭在照护与经济的双重压力下艰难前行。 长护险的核心价值还体现在构建专业化、标准化的服务体系。 2022年，人社部将"长期照护师"纳入国家职业分类大典，并组织职业技能等级认定。今年4月19 日，全国首场长期照护师初级工（五级）考试在江苏南通长护产业园举行，首批100名考生参加考试。4 月28日，81名考试合格的考生获得了可在全国范围内联网查询的长期照护师职业等级证书，成为我国首 批持证上岗的长期照护师。通过专业的培训，他们将日常照料从"体力活"升级为"技术活"。"实操考试 中协助进食的项目，我在日常工作中接触比较少。通过这次准备考试，我掌握了这项技能。"首批持证 上岗的王汝芳在接受采访时曾表示，经过这段时间的系统培训和反复练习，她掌握了更多的专业技能， 以后能够更加专业、规范地照顾失能老人。 3月20日，上海市长宁区医保局召开了2025年长护险工作会议，评定了从三星到五星的多家服务机 构，明确提出"支付更便捷、服务更精准、评价更科学"的目标。通过星级评定机制，上海抚理奉泰护理 站等5家机构获评五星，其提供的协助 ...

Core Insights - The Chinese government is focusing on the development of long-term care insurance (LTCI) as part of its response to the aging population and the increasing demand for long-term care services [1][5] - The LTCI system is being piloted in 49 cities across China, with significant variations in coverage and implementation among different regions [2][3] Group 1: LTCI Coverage and Implementation - By the end of 2024, the LTCI system will cover 49 cities, with cities like Ningbo and Chengdu achieving full coverage for all residents [2] - The LTCI is designed to provide economic support for individuals who are unable to care for themselves due to aging, illness, or disability, marking it as the "sixth insurance" in China's social security system [1][5] Group 2: Challenges in LTCI System - The LTCI system faces challenges such as fragmented design, lack of unified standards, and significant differences in coverage and funding mechanisms across pilot cities [3][4] - Funding for LTCI primarily comes from medical insurance funds, which are under increasing pressure, raising concerns about the sustainability of LTCI financing [3][4] Group 3: Quality and Supply of Care Services - There is a shortage of professional caregivers, leading many families to rely on informal care, which can compromise care quality [4][5] - The rural areas are particularly affected by a lack of long-term care service providers due to labor outflow and inadequate compensation and working conditions [4][5] Group 4: Recommendations for Improvement - The government is urged to establish a unified LTCI framework that includes clear guidelines on coverage, funding, and service standards to ensure consistency across regions [5] - There is a need for enhanced training programs for caregivers and stricter regulations for care service providers to improve service quality and attract talent [5]

Core Viewpoint - The Long-term Care Insurance (LTCI) system in China has shown significant progress, with nearly 190 million insured individuals and over 100 billion yuan in accumulated funds, addressing the challenges posed by an aging population and increasing disability rates [1][4][6]. Group 1: Coverage and Financial Data - The LTCI has covered nearly 190 million people, with total funds exceeding 100 billion yuan and expenditures surpassing 85 billion yuan [4][5]. - The program has alleviated the financial burden on families caring for disabled elderly individuals, benefiting over 2 million disabled individuals and reducing costs by over 50 billion yuan [5][6]. Group 2: Institutional Development and Challenges - The LTCI system has evolved from pilot programs in 15 cities in 2016 to 49 cities by 2020, establishing a foundational framework for nationwide implementation [5][8]. - Despite the progress, challenges remain, including funding difficulties, a shortage of qualified caregivers, and varying service quality across regions [7][8][9]. Group 3: Demographic Context and Future Directions - The aging population in China is projected to reach 310 million by the end of 2024, with 22% of the population aged 60 and above, highlighting the urgent need for effective long-term care solutions [6][8]. - Recommendations for future improvements include enhancing caregiver training, developing a multi-faceted funding mechanism, and standardizing assessment criteria to ensure sustainability and quality of care [8][9].

Core Viewpoint - The long-term care insurance (LTCI) system, although not yet implemented nationwide, is anticipated to be rolled out across various regions due to the increasing aging population and the pressing need for care for disabled elderly individuals [1][2]. Group 1: Current Status and Progress - The LTCI system was initiated in 2016 and expanded to 49 cities by 2020, with coverage expected to reach 180 million people by the end of 2024, benefiting over 2.6 million disabled insured individuals and resulting in fund expenditures exceeding 80 billion yuan [1]. - The program has created approximately 300,000 jobs and attracted around 60 billion yuan in social capital investment [1]. Group 2: Challenges and Fragmentation - The LTCI system has faced challenges in nationwide implementation due to the "trial first" approach, leading to fragmentation in funding models, assessment standards, and coverage [2][3]. - Currently, over ten pilot cities only cover employees, excluding urban and rural residents, and there are six funding channels with 14 funding models, resulting in unclear funding responsibilities [3]. Group 3: Policy Recommendations for Nationwide Implementation - Key preparations for nationwide rollout include establishing a scientific top-level design that clarifies funding, benefits, and services, as well as fostering a coordinated approach among various government departments [4][5]. - There is a need to develop the care market by professionalizing caregivers and standardizing service institutions, while ensuring the integration of new and existing social security policies to avoid further fragmentation [4][5].