When the passers-by panicked and shouted, a man appeared in slippers. I saw him bow his front legs and pedal his back legs, calmly lift the fire extinguisher and “connect” with the meter box. During the fire fighting, the meter box exploded again. He didn’t step back and put out the fire in less than 10 seconds.

It should be noted that this big brother is not trying to show off his personal heroism, but the courage of an expert artist. It is understood that the buddy’s name is Ji Shuping. In October 2020, he received the practical training on the basic fire fighting skills of “one police and six officers” from the fire department. He can skillfully use fire extinguishers and fire hydrants. If he doesn’t panic in case of fire, he can raise his hand and fight.

At present, the pilot of “one city, one policy” long-term care insurance is facing problems such as disability evaluation criteria, different financing methods, insufficient supply of care services and limited capacity. In this regard, a number of representatives of the two sessions put forward suggestions for the further improvement and development of long-term care insurance this year.

Improve the old-age security system, and the pilot of long-term insurance has landed in 49 cities in six years

In recent months, the policy planning related to the field of elderly care has been kept. On February 22, the State Council issued the national plan for the development of the cause of aging and the elderly care service system during the 14th five year plan (hereinafter referred to as the plan), which aims to promote the coordinated development of the cause of aging and the elderly care industry and build and improve the elderly care service system. At the same time, the CBRC issued the notice on expanding the pilot scope of exclusive commercial endowment insurance, expanding the regional scope of exclusive commercial endowment insurance, and allowing endowment insurance companies to participate in the pilot on the basis of the original six pilot companies. On February 25, the CBRC issued another document to expand the pilot of pension financial products. From March 1, the pilot scope of the previous “four places and four institutions” was expanded to “ten places and ten institutions”.

In the improvement and construction of the elderly care system, the adequate supply of elderly care services is an urgent need for the development of the aging cause, especially the care services for the elderly disabled, which is an urgent demand to be solved under the dilemma of “one person is disabled and the whole family is unbalanced”. As one of the security supply modes of elderly care services, long-term care insurance is becoming an important way to make up for the nursing service gap of the elderly population.

In 2016, the Ministry of human resources and social security issued guidance, which made it clear that the pilot of long-term insurance system was launched in 15 cities such as Shanghai and Suzhou, and then expanded. So far, there are 49 pilot cities. After six years of pilot development, the role and value of long-term insurance are gradually recognized by the market.

Judging from the achievements of some pilot areas. The pilot long-term care insurance in Chongqing has established three forms of nursing services for urban employees (including retired employees) who are long-term bedridden or need long-term care after treatment due to old age, disease, disability and other reasons. If they reach severe disability, they can enjoy the long-term care insurance treatment of up to 1550 yuan / month.

According to the data recently disclosed by Chongqing banking and Insurance Regulatory Bureau, there are 510000 people in the pilot districts and counties of elderly insurance services in 2021. In the past three years, a total of 1959 people have reached the payment standard of long-term insurance, becoming the beneficiaries of the pilot long-term insurance system in Chongqing. From 2022, Chongqing will fully expand the pilot of long-term insurance to the whole city, and the insured is expected to reach more than 7 million.

In 2020, Beijing designated Shijingshan District as an expanded pilot area. In 2021, 421900 people participated in the insurance and paid, and 3178 people enjoyed the treatment. In January this year, the Beijing Municipal Medical Insurance Bureau issued the opinions on the pilot implementation of the Beijing long term care insurance system and solicited opinions from the public. The implementation opinions put forward that the personnel participating in the basic medical insurance for urban workers and urban and rural residents in Beijing (excluding students and children temporarily) should be included in the coverage of long-term care insurance and implemented step by step. In 2022, the pilot of long-term care insurance for urban employees will be launched first, and then the pilot of long-term care insurance for urban and rural residents will be launched in due time.

With the development of the pilot and the accumulation of experience, the improvement and further expansion of the long-term care insurance system have been put on the agenda. However, at present, the differences in the standards of pilot areas, the differences in the ability of fund overall planning and the lag in the construction of nursing service supply capacity are the shackles faced by the sustainable and long-term development of long-term care insurance.

The shackles of non-uniform standards and limited level of care need to be solved

In the “plan” for the development of the cause of aging and the top-level design of the elderly care service system, the State Council clearly mentioned that it is necessary to steadily establish the framework of the long-term care insurance system, and make clear the institutional unification from the aspects of the insured population, key demand objects, financing methods, disability rating evaluation standards, management methods, security projects, etc. From the top-level design, it clearly points the way for the long-term development of long-term insurance.

During the two sessions this year, many deputies to the National People’s Congress and members of the National Committee of the Chinese people’s Political Consultative Conference also put forward suggestions on the existing problems of long-term insurance.

First of all, in terms of system, a sound and independent long-term care insurance system is the “foundation” for the development of long-term care insurance. Zhang Lin, deputy to the National People’s Congress and director of the Institute of risk management and actuarial insurance of Hunan University, proposed that long-term care insurance should be an independent type of insurance in the framework of China’s social security system, adhere to the principle of mutual assistance and mutual assistance of social insurance, individuals, units and the government should bear the responsibility of fund-raising, and realize the full coverage of long-term care insurance for urban employees as soon as possible, Accelerate the coverage of medical insurance participants for urban and rural residents; We should establish a stable and sustainable fund source channel, and explore ways to reduce the pressure of medical insurance fund by adjusting the structure of employees’ basic medical insurance account and transforming a certain proportion of funds in personal account into long-term nursing insurance fund; Formulate preferential policies to attract social funds, encourage the wide participation of social organizations, expand financing channels and improve the service capacity of long-term insurance.

The differences in the evaluation standards for disability, fund planning and treatment payment standards in various regions are also one of the existing problems in the expansion and development of long-term insurance. For example, for long-term care service objects, some regions adopt Barthel index evaluation scale or ADL scale for evaluation, and many also use self-made disability evaluation criteria. This leads to greater pressure on insurance companies in risk control and cost control.

“Based on the security scope, relevant standards and management methods of pilot cities in the early stage, form a national unified evaluation standard system, optimize the standards of disability rating, nursing needs assessment and nursing security projects, and pay according to the degree of disability or nursing level”. Zhang Lin’s suggestion is that whether it is institutional pension or family pension, Unified payment standard shall be implemented for the same degree of disability or nursing grade; Establish a list of basic care security at the national level. All regions can raise funds according to the situation of sustainable development