中国长期护理保险试点城市政策评估：一项横断面研究。
Evaluation of long-term care insurance pilot city policies in China: a cross-sectional study.
作者信息
Du Kuan, Liu Yuan, Hu Yiran
机构信息
Faculty of Military Health Service, Naval Medical University, Shanghai, China.
出版信息
Front Public Health. 2025 Mar 21;13:1570794. doi: 10.3389/fpubh.2025.1570794. eCollection 2025.
BACKGROUND
The acceleration of China's aging process makes examining policy experiences from LTCI pilot cities highly significant for advancing the LTCI system in China and other emerging nations.
METHODS
Policy documents were gathered using Citespace 6.3.R1, with primary data sources obtained from official government websites. A comparative study of LTCI policies in pilot cities was conducted, focusing on policy support, participation scope, financing channels, benefit provision, care conditions, and management structures to evaluate the programs' logic.
RESULTS
Pilot cities have developed distinct approaches in the LTCI development process. However, issues persist, including a singular financing channel, misalignment between benefit provision supply and demand, substandard care quality, and the need for improved management effectiveness.
DISCUSSION
Establishing a sustainable LTCI system requires implementing an independent financing mechanism and a standardized financial model, developing an efficient LTCI service supply framework, strengthening LTCI oversight and administration, and fostering the commercial insurance market.
背景
中国老龄化进程的加速使得研究长期护理保险（LTCI）试点城市的政策经验对于推进中国及其他新兴国家的长期护理保险体系具有重要意义。
方法
使用Citespace 6.3.R1收集政策文件，主要数据来源为政府官方网站。对试点城市的长期护理保险政策进行了比较研究，重点关注政策支持、参与范围、融资渠道、福利提供、护理条件和管理结构，以评估这些项目的逻辑。
结果
试点城市在长期护理保险发展过程中形成了不同的方法。然而，问题依然存在，包括融资渠道单一、福利提供供需不匹配、护理质量不达标以及管理效率有待提高。
讨论
建立可持续的长期护理保险体系需要实施独立的融资机制和标准化的财务模式，发展高效的长期护理保险服务供应框架，加强长期护理保险的监督和管理，并培育商业保险市场。
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