【摘要】 嘉兴市是浙江省长期护理保险(以下简称长护险)政策的试点城市，通过研究嘉兴市长护险筹资(筹资对象、渠道、方式及标准)及待遇给付(给付形式、内容、标准及水平)政策实施现状，总结嘉兴市长护险政策的试点经验及问题。目前嘉兴市长护险筹资与待遇给付政策在试点过程中不断完善，筹资对象覆盖城乡居民，保障范围已由重度失能扩展至重度失智人员，给付内容不断完善，出台了服务项目目录，细化了服务单价。未来建议在考虑基金承受能力及可持续性基础上，进一步扩大保障范围至中度失能人群，差异化制定不同失能等级人群的待遇给付标准；强化用人单位及个人的责任，拓宽筹资渠道，逐步探索独立的长护险筹资机制；考虑定额及比例筹资方式相结合，综合考虑代际公平、人口老龄化趋势等因素，建立科学的费率动态调整筹资机制。更多还原

【Abstract】 Jiaxing city is one of the pilot cities for the Long-term Care Insurance(LTCI) policy in Zhejiang Province. This study examines the current implementation status of Jiaxing’s LTCI policy in terms of financing(including financing targets, channels, methods, and standards) and benefit payments(including payment forms, contents, standards, and levels). It summarizes the experiences and challenges encountered during the pilot process. Currently, Jiaxing’s LTCI policy has undergone continuous improvement in financing and benefit payment mechanisms. The financing targets now cover both urban and rural residents, and the coverage has expanded from individuals with severe disabilities to include those with severe dementia. The benefit content has been refined, with the introduction of a detailed service project directory and service pricing. For the future, it is recommended to expand the coverage to individuals with moderate disabilities, based on the fund’s capacity and sustainability, and to differentiate benefit standards according to the severity of disability. Furthermore, it is suggested to strengthen the responsibilities of employers and individuals, diversify financing channels, and gradually explore an independent financing mechanism for LTCI. A combination of fixed-amount and proportional financing methods should be considered, alongside factors such as intergenerational equity and population aging trends, to establish a scientific and dynamic premium adjustment mechanism.更多还原