雄安新區長期護理保險10月1日實施 居家護理最高每月36小時Xiong'an New Area long-term care insurance will be implemented on October 1, with a maximum of 36 hours of home care per month
《雄安新區長期護理保險實施細則》10月1日起實施，屬社保「第六險」，先行覆蓋單位職工、退休人員、失業人員及靈活就業人群，2028年實現職工與居民全覆蓋。在職職工籌資費率0.3%，單位與個人各承擔0.15%；居家護理按重度失能等級每月最高24至36小時，基金支付限額每小時50元，職工報銷比例最高可達75%。The "Implementation Rules for Long-term Care Insurance in the Xiong'an New Area" will take effect on October 1. It is considered the "sixth insurance" under social security, initially covering employees of organizations, retired personnel, unemployed individuals, and flexible employment groups, with full coverage for employees and residents expected by 2028. The funding rate for employed staff is 0.3%, with both the organization and the individual each bearing 0.15%. Home care is provided based on severe disability levels, with a maximum of 24 to 36 hours per month. The fund's payment limit is 50 yuan per hour, and the reimbursement rate for employees can reach up to 75%.
09/30
16:03:22
中国雄安官网
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雄安新区召开长期护理保险实施细则政策解读新闻发布会
中国雄安官网9月30日电 9月29日，雄安新区召开新闻发布会。在发布会上获悉，《雄安新区长期护理保险实施细则》将于2026年10月1日起正式实施，先行覆盖单位职工、退休人员、失业人员、灵活就业等人群，2027年底前启动未就业城乡居民参保，2028年实现职工和居民群体全覆盖。作为社保“第六险”，长期护理保险将为因年老、疾病、伤残等长期失能人员提供基本生活照料和医疗护理保障。制度实施后，失能人员可享受居家护理或机构护理服务，有效减轻家庭经济与照护负担，同步带动护理服务、健康养老等产业，实现民生改善与产业发展良性互动。
新闻发布会现场。中国雄安官网牛思佳 摄
覆盖全民：对标北京提升保障水平
新区牢牢把握作为北京非首都功能疏解集中承载地的首要功能定位，持续对标北京完善制度设计。在参加新区基本长护险的基础上，鼓励参保群众参加商业长护险，探索“基本+商业”的差异化保障安排，推动长护保障待遇不低于北京水平。长护险征缴参照医保缴费基数，按照国家、省统一费率政策执行。在职职工筹资费率为0.3%，单位与个人各承担0.15%，企业缴费部分通过调整基本医保费率方式征缴，个人缴费部分从医保个人账户中扣缴，不额外增加企业负担，职工实发工资不变。城乡居民起步阶段费率减半执行，即0.15%，自2027年第4季度起征，计划用5年时间逐步过渡至0.3%。
待遇优越：居家护理最高每月36小时
在保障对象、评估标准、缴费费率、服务项目等方面，新区与国家政策保持基本一致，同时参照先进地区经验适当提升待遇标准。参保人选择居家护理的，按重度失能等级，Ⅰ级人员每月最高24小时，Ⅱ级人员每月最高30小时，Ⅲ级人员每月最高36小时，长护险基金支付限额暂定为每小时50元。选择机构护理的，基金按床日定额支付，重度失能Ⅰ级、Ⅱ级、Ⅲ级人员暂定分别为每天40元、50元、60元。待遇不设起付线，2026年起按职工身份参保的，基金支付比例暂为70%；2028年起按居民身份参保的，支付比例暂为35%，随着筹资费率提高逐步过渡到50%左右。选择居家护理和社区护理服务的，支付比例再提高5个百分点，结合连续参保激励政策，职工报销比例最高可达75%，居民最高可达42%。年度最高支付限额原则上不超过上年度城乡居民人均可支配收入的50%，重度失能Ⅲ级人员每年报销上限为21600元，Ⅱ级为18000元，Ⅰ级为14400元。
安全规范：基金单独建账专款专用
新区守牢基金安全底线，完善监管规则，强化基金运行管理，坚持以收定支，确保基金安全可持续。长期护理保险基金管理参照现行社会保险基金有关制度执行，基金单独建账、单独管理、专款专用，纳入社会保险基金预算编制范围，强化预算绩效管理。财政补助资金的分配、下达、使用明确具体流程和监督管理要求，压实各级工作责任。新区招标确定中国人保、中国人寿、太平洋保险3家业务经办机构，审核确定容东、容西、雄东3个新建片区社区卫生服务中心和雄县中医院、安新县中医院等7家护理服务机构，以及京东护理、远通恒达、橙安康养3家居家护理服务机构。同步布局70余家医保便民网点，为群众提供帮办代办、政策咨询等服务。
改革创新：承担6项国家改革任务
新区承担了多元筹资、多元保障等6项国家长护险改革任务，同时自主开展了服务承接疏解、减轻企业负担、推动待遇提升、赋能产业发展等9项改革创新举措。在多元筹资方面，鼓励残联、工会、妇联、红十字会等群团组织和机构以及通讯、金融等单位，通过慈善帮扶、公益捐赠或帮扶项目资产收益对特定人群参加长期护理保险予以资助，保障低收入人群全面参保。改革创新贯穿新区长护险制度设计、运行、服务全过程，为全国长护险改革探路、增进群众民生福祉贡献雄安力量。
申请便捷：线上小程序线下大厅均可办理
参保人因年老、疾病、伤残等原因导致失能状态持续6个月（含）以上的，可由本人或监护人向医保经办机构提出失能等级评估申请。线上可通过“河北智慧医保”小程序的“长护险专区”申请，也可线下到新区、三县医保经办服务大厅办理。经过评估为重度失能的人员可享受政策规定的护理服务和报销待遇。护理项目执行国家、河北省统一的长期护理保险服务项目目录，包括20项生活照护类项目和16项医疗护理类项目。服务方式上，参保人可自主选择居家护理或机构护理，新区引进京津优质护理资源为失能人员提供居家护理，让参保人在家里就能获得服务和保障。
目前，新区长护险制度框架已经搭建，工作基础已经夯实，运行机制已经理顺。下一步，新区将积极会同有关部门，与市场力量、社会各界共同努力，在提高管理精细化程度和服务水平上下更大功夫，奋力推进雄安新区民生保障水平再上新台阶，为高标准高质量推进雄安新区建设现代化城市贡献更大力量。
09/30
16:03:22
Xiong'an Official Website of China
WeChat Official Account
Xiong'an New Area Holds Press Conference on Policy Interpretation of Long-term Care Insurance Implementation Rules
Xiong'an New Area Official Website, September 30 - On September 29, Xiong'an New Area held a press conference. At the press conference, it was announced that the 'Implementation Rules for Long-term Care Insurance in Xiong'an New Area' will officially come into effect on October 1, 2026, initially covering employees of institutions, retirees, unemployed individuals, and those in flexible employment. Enrollment of unemployed urban and rural residents will be launched before the end of 2027, and full coverage of both employees and residents will be achieved by 2028. As the "sixth social insurance," long-term care insurance will provide basic daily care and medical nursing protection for individuals who are long-term disabled due to old age, illness, or injury. After the system is implemented, disabled individuals can receive home care or institutional care services, effectively reducing family economic and caregiving burdens, while simultaneously promoting the nursing service, health care, and elderly care industries, achieving a positive interaction between improvements in people's livelihood and industrial development.
Press conference site. Photo by Niu Sijia, official Xiong'an website of China
Covering the entire population: Improving the level of protection with reference to Beijing
The New Area firmly grasps its primary functional positioning as a concentrated location for the transfer of non-capital functions from Beijing, and continuously benchmarks against Beijing to improve institutional design. On the basis of participating in the New Area's basic long-term care insurance, it encourages insured residents to participate in commercial long-term care insurance, exploring a "basic + commercial" differentiated security arrangement, and promoting long-term care benefits not lower than Beijing's level. The collection of long-term care insurance is based on the medical insurance payment base and implemented according to national and provincial unified rate policies. The contribution rate for employed staff is 0.3%, with the employer and employee each bearing 0.15%. The employer’s contribution is collected by adjusting the basic medical insurance rate, while the individual’s contribution is deducted from the personal medical insurance account, without adding any extra burden to enterprises, and employees’ take-home pay remains unchanged. During the initial stage, the rate for urban and rural residents is halved, i.e., 0.15%, to be collected from the fourth quarter of 2027, with a plan to gradually transition to 0.3% over five years.
Excellent benefits: Up to 36 hours of home care per month
In terms of coverage, assessment criteria, contribution rates, service items, and other aspects, the new district basically aligns with national policies while appropriately increasing benefit standards by referring to the experiences of advanced regions. For insured individuals who choose home care, benefits are based on the level of severe disability: Level I individuals can receive up to 24 hours per month, Level II up to 30 hours per month, and Level III up to 36 hours per month, with the payment limit from the long-term care insurance fund temporarily set at 50 yuan per hour. For those who choose institutional care, the fund provides fixed daily payments: the temporary amounts for severely disabled Level I, II, and III individuals are 40 yuan, 50 yuan, and 60 yuan per day, respectively. There is no deductible for benefits. Starting in 2026, for those insured as employees, the fund payment ratio is temporarily 70%; starting in 2028, for those insured as residents, the payment ratio is temporarily 35%, gradually transitioning to around 50% as the funding rate increases. For those choosing home care and community care services, the payment ratio is increased by an additional 5 percentage points. Combined with continuous insurance participation incentive policies, the reimbursement rate can reach up to 75% for employees and up to 42% for residents. In principle, the annual maximum payment limit does not exceed 50% of the previous year’s per capita disposable income of urban and rural residents. The annual reimbursement caps are 21,600 yuan for severely disabled Level III individuals, 18,000 yuan for Level II, and 14,400 yuan for Level I.
Safety Regulations: The fund shall be accounted for separately and used exclusively for its designated purpose
The New District ensures the safety bottom line of the fund, improves supervision rules, strengthens fund operation management, adheres to the principle of income matching expenditure, and ensures the fund's safety and sustainability. The long-term care insurance fund management follows the relevant systems of the current social insurance fund, with separate accounting, separate management, and special-purpose use, and is included in the scope of social insurance fund budget preparation, strengthening budget performance management. The distribution, allocation, and use of fiscal subsidy funds have clear and specific procedures and supervision requirements, enforcing responsibilities at all levels. The New District, through bidding, has designated China PICC, China Life, and China Pacific Insurance as three business management institutions, reviewed and confirmed Rongdong, Rongxi, and Xiongdong new community health service centers, as well as seven nursing service institutions including Xiongxian County Hospital and Anxin County Hospital, and three home nursing service institutions: JD Nursing, Yuantong Hengda, and Cheng An Kangyang. At the same time, over 70 convenient medical insurance outlets have been set up to provide services such as assistance with procedures and policy consultation to the public.
Reform and Innovation: Undertake 6 National Reform Tasks
The new district has undertaken six national long-term care insurance reform tasks, including diversified financing and diversified protection, while independently carrying out nine reform and innovation measures such as service transfer and relief, reducing the burden on enterprises, promoting benefit improvement, and empowering industry development. In terms of diversified financing, social organizations and institutions such as the Disabled Persons' Federation, trade unions, Women's Federations, Red Cross, as well as units in telecommunications and finance, are encouraged to provide funding for specific groups participating in long-term care insurance through charitable aid, public donations, or income from aid project assets, ensuring full coverage for low-income groups. Reform and innovation run through the entire process of the design, operation, and service of the long-term care insurance system in the new district, contributing Xiongan's efforts to exploring long-term care insurance reform nationwide and enhancing the wellbeing of the people.
Convenient application: can be handled both online through the applet and offline at the hall
Insured individuals who become disabled due to old age, illness, or injury and whose disability lasts for 6 months or more can apply for a disability level assessment through themselves or their guardians at the medical insurance handling agency. Applications can be submitted online via the “Hebei Smart Medical Insurance” mini-program in the “Long-term Care Insurance Section,” or offline at the medical insurance service halls in the New District and the three counties. Those assessed as severely disabled can receive the nursing services and reimbursement benefits stipulated by the policy. The nursing items follow the unified long-term care insurance service item catalog of the state and Hebei Province, including 20 daily care items and 16 medical care items. Regarding the service method, insured individuals can choose home care or institutional care. The New District has introduced quality nursing resources from Beijing and Tianjin to provide home care for disabled individuals, allowing them to receive services and protection at home.
At present, the framework of the long-term care insurance system in the new district has been established, the work foundation has been solidified, and the operational mechanism has been clarified. The next step for the new district is to actively cooperate with relevant departments, work together with market forces and all sectors of society, put greater effort into improving the level of refined management and service quality, strive to further enhance the level of people's livelihood protection in Xiong'an New Area, and contribute more to the high-standard, high-quality advancement of building Xiong'an New Area into a modern city.
原文出處：Source: 中國雄安官網 ↗