Including the disadvantaged individuals in Long-term Care Insurance (LTCI) scheme is crucial for ensuring universal coverage and equality. This study,after reviewing 851 LTCI policy documents,found that more than 40％ LTCI pilots (20) have already implemented subsidy policies targeting this group. However,there are significant differences among the pilots in terms of subsidy content,target population,and subsidy levels,with premium subsidies being the most common. Furthermore,based on policy practices and existing research,this study proposes multiple scheme designs to include the group in LTCI. Based on estimation using microdata and macrodata,this study estimated the fiscal burden of these designs under the nationwide LTCI implementation scenario. First,starting with premium subsidies to support the disadvantaged group in participating in the LTCI scheme. The fiscal burden is estimated to range from 1.58 billion to 3.2 billion yuan. Second,when conditions permit,further subsidies should be provided for the group during the eligibility assessment and benefits co-payment stages. Third,funding channels for subsidies should be broadened and the inter-departmental use of related fiscal resources should be promoted.
Long-term Care InsuranceDisadvantaged groupScheme designFiscal burden
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