Current situation and optimization strategies of long-term care insurance financing and benefit payment in Jiaxing city
10.3969/j.issn.1674-2982.2025.01.007
- VernacularTitle:嘉兴市长期护理保险筹资与待遇给付现状及优化策略
- Author:
Yu-rong JING
1
;
Xin-ning WANG
;
Hong-fei ZHU
;
Zhong-xin SU
;
Ying WANG
;
Li LUO
Author Information
1. 复旦大学公共卫生学院 公共卫生安全教育部重点实验室 国家卫生健康委员会卫生技术评估重点实验室 上海 200032
- Publication Type:Journal Article
- Keywords:
Long-term care insurance;
Financing;
Benefit payment;
Disabled people
- From:
Chinese Journal of Health Policy
2025;18(1):51-57
- CountryChina
- Language:Chinese
-
Abstract:
Jiaxing city is one of the pilot cities for the Long-term Care Insurance(LTCI)policy in Zhejiang Province.This study examines the current implementation status of Jiaxing's LTCI policy in terms of financing(including financing targets,channels,methods,and standards)and benefit payments(including payment forms,contents,standards,and levels).It summarizes the experiences and challenges encountered during the pilot process.Currently,Jiaxing's LTCI policy has undergone continuous improvement in financing and benefit payment mechanisms.The financing targets now cover both urban and rural residents,and the coverage has expanded from individuals with severe disabilities to include those with severe dementia.The benefit content has been refined,with the introduction of a detailed service project directory and service pricing.For the future,it is recommended to expand the coverage to individuals with moderate disabilities,based on the fund's capacity and sustainability,and to differentiate benefit standards according to the severity of disability.Furthermore,it is suggested to strengthen the responsibilities of employers and individuals,diversify financing channels,and gradually explore an independent financing mechanism for LTCI.A combination of fixed-amount and proportional financing methods should be considered,alongside factors such as intergenerational equity and population aging trends,to establish a scientific and dynamic premium adjustment mechanism.
