Study on enhancing accessibility to long-term care insurance for economically disadvantaged populations: based on interdepartmental collaborative mechanisms

DOI: 10.12201/bmr.202409.00047

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  Abstract: Objective: This paper aims to review and compare the assistance mechanisms for economically disadvantaged populations within the long-term care insurance systems of selected pilot cities. It proposes optimization suggestions based on inter-agency collaboration mechanisms to improve accessibility for economically disadvantaged populations. Methods: This paper collected and analyzed regulations related to assistance for economically disadvantaged populations from policy documents of long-term care insurance systems in pilot cities since 2016. Results: Eight pilot cities have established assistance mechanisms for economically disadvantaged populations within their long-term care insurance systems. The main forms of assistance are subsidized premium payments for insurance enrollment, subsidies for out-of-pocket expenses, and provision of employment training. Current practices face issues such as obstacles to platform interoperability, policy overlap conflicts, and heterogeneity in premium subsidies and out-of-pocket expense subsidies. Conclusion: It is recommended to consider optimization paths from structural and procedural collaboration aspects. Structural collaboration mechanisms may include platform interoperability, integration of care subsidy systems, single-window service at the grassroots level, and special tasks carried out by higher authorities. Procedural collaboration mechanisms may involve clarifying assistance boundaries, subsidizing premium payments for insurance enrollment, subsidizing out-of-pocket expenses, and providing employment training.

  Key words: Long-term care insurance; Public assistance; Economically disadvantaged populations; Inter-agency collaboration

  Submit time: 23 September 2024

  Copyright: The copyright holder for this preprint is the author/funder, who has granted biomedRxiv a license to display the preprint in perpetuity.
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