All county and city people's governments, prefecture-level departments, and the Chuxiong High-Tech Zone Management Committee: The "Implementation Plan for Establishing a Long-Term Care Insurance System in Chuxiong Prefecture" has been reviewed and approved at the 1st meeting of the Standing Committee of the 11th Prefecture Party Committee and the 97th executive meeting of the 13th Prefecture People's Government, and is hereby issued to you. Please implement it conscientiously.
The plan was issued by the Chuxiong Prefecture People's Government on October 8, 2026, and is a publicly released document.
Implementation Plan for Establishing a Long-Term Care Insurance System in Chuxiong Prefecture
To comprehensively implement the decisions and arrangements of the state and the province on accelerating the establishment of a long-term care insurance system, and in accordance with the requirements of the "Notice of the General Office of the Yunnan Provincial People's Government on Issuing the Implementation Plan for Establishing a Long-Term Care Insurance System in Yunnan Province" (Yun Zheng Ban Gui [2025] No. 9), this plan is formulated in light of the actual conditions of Chuxiong Prefecture.
I. Basic Policies
(1) Coverage. Employers throughout the prefecture (including enterprises, public institutions, government agencies, and social organizations), as well as their employees, retirees, flexible employment personnel, and unemployed urban and rural residents, shall, in accordance with the principle of territorial management, participate in long-term care insurance simultaneously when participating in basic medical insurance. Those participating under the employee insurance policy shall, starting from January 1, 2027, pay contributions together with the employee basic medical insurance. Those participating under the unemployed urban and rural resident insurance policy shall, starting from the centralized collection period for the 2027 annual resident basic medical insurance, pay contributions together with the urban and rural resident basic medical insurance.
(2) System model. The long-term care insurance fund shall be established under a unified account, with funds pooled and used in a coordinated manner. The benchmark premium rate system for long-term care insurance prescribed by the state and the province shall be implemented.
(3) Pooling level. Long-term care insurance shall be pooled at the prefecture level, with unified policy standards, unified fund collection and expenditure, and a unified management and service system. In accordance with the principle of territorial management, the prefecture and counties (cities) shall be responsible at different levels for the management of long-term care insurance business and the management of service supply, achieving integrated management and services.
(4) Financing channels, standards, and methods. A diversified financing mechanism involving individuals, employers, the government, and society shall be established. Social donations, charitable contributions, and other channels shall be encouraged to raise funds to support the healthy and sustainable development of the long-term care insurance system. Long-term care insurance premiums shall be collected simultaneously with basic medical insurance premiums.
1. Employees. Employees participating in long-term care insurance shall pay contributions jointly with their employers, with a rate of 0.3%, shared equally by employers and employees at 0.15% each, and the contribution base shall be consistent with that of basic medical insurance. The 0.15% adjustment to the employer contribution rate of employee basic medical insurance shall be used as the employer rate for long-term care insurance financing. Fund operation monitoring shall be strengthened, and the "Dynamic Adjustment Mechanism for the Employer Contribution Rate of Employee Basic Medical Insurance in Chuxiong Prefecture" shall be strictly implemented. Individual contributions shall be withheld and paid by employers.
2. Unemployed urban and rural residents. Long-term care insurance for unemployed urban and rural residents shall be funded on an annual basis. The contribution base shall be the per capita disposable income of urban and rural residents in the province in the previous year. The rate shall be 0.15% in 2027, 0.2% in 2028, 0.25% in 2029, and 0.3% from 2030 onward. The total funding shall be shared between individual contributions and government subsidies at a ratio of approximately 1:1. Government subsidies shall be jointly borne by the central, provincial, prefecture, and county/city finances, with specific subsidy measures implemented in accordance with the regulations of the Provincial Healthcare Security Administration and the Provincial Department of Finance. The portions borne by prefecture and county/city finances shall be implemented in accordance with the policy on the division of fiscal authority and expenditure responsibilities in the medical and health field in Chuxiong Prefecture.
3. Retirees. Retirees shall pay contributions monthly on an individual basis, and their former employers shall not contribute. The rate shall be 0.15%, and the contribution base shall be the individual's basic pension from the previous year. Those who have not received a basic pension due to reasons such as not participating in pension insurance shall use the per capita basic pension of enterprise retirees in the province in the previous year as the base. With individual consent, the healthcare security department shall withhold and pay the contributions monthly from their employee basic medical insurance personal accounts. Once conditions permit, the social insurance agency that disburses basic pensions may also withhold and pay on their behalf.
4. Flexible employment personnel. Flexible employment personnel shall participate in and pay for long-term care insurance together with basic medical insurance. Those participating in employee basic medical insurance shall have a contribution base of 60% of the provincial average social wage in the previous year, with a rate of 0.3%; the 0.15% adjustment to the rate for flexible employment personnel participating in employee basic medical insurance shall be used as part of their long-term care insurance contribution rate. Those participating in urban and rural resident basic medical insurance shall participate and pay in accordance with the long-term care insurance contribution policy for unemployed urban and rural residents.
5. Individuals in difficulty. The government shall provide categorized assistance for the individual contributions of eligible individuals in difficulty, fully subsidizing those in extreme poverty and providing fixed-amount subsidies for low-income recipients and eligible individuals at risk of falling back into poverty. Specific subsidy measures shall be implemented in accordance with the relevant regulations of the Provincial Healthcare Security Administration and the Provincial Department of Finance.
6. Persons under 18 years of age. Unemployed persons under 18 years of age shall participate in insurance by following their parents or other legal guardians, without separate fundraising. Those meeting the conditions for benefits shall receive benefits according to the standards for unemployed urban and rural residents. Orphans and de facto unsupervised children who cannot follow a participant may be deemed as participating. Funds in employee basic medical insurance personal accounts may be used to pay the long-term care insurance individual contributions of the account holder and close relatives (including spouse, parents, children, siblings, grandparents, maternal grandparents, grandchildren, and maternal grandchildren).
(5) Benefit protection.
1. Eligible recipients. Persons who have participated and paid contributions as required, whose disability due to aging, illness, or injury has persisted for more than 6 months, and who have been assessed through an application and disability grade evaluation as severely disabled, may receive long-term care insurance benefits as prescribed. In accordance with the unified deployment of the state and the province, the scope of eligible recipients shall be gradually expanded.
2. Benefit standards. There shall be no deductible for benefit enjoyment. For long-term care service expenses that meet the regulations, the fund payment ratio shall be approximately 50% for those participating under the unemployed urban and rural resident insurance policy; approximately 70% for those participating under the employee insurance policy, with retirees enjoying the benefits of employee insurance participation; and flexible employment personnel shall enjoy corresponding benefits according to the type of insurance policy they choose. The annual maximum payment limit per insured person from the fund shall not exceed 50% of the per capita disposable income of urban and rural residents in the province in the previous year. Differentiated benefit protection policies shall be implemented based on disability grade and different types of home care, community care, and institutional care. The use of home and community care services shall be encouraged, with appropriate preferential treatment in payment ratios. Specific benefit payment standards shall be formulated by the Prefecture Healthcare Security Administration together with the Prefecture Finance Bureau, and shall be dynamically adjusted according to the prefecture's economic development level and fund operation.
3. Fund payments. The long-term care insurance fund shall mainly be used to pay for expenses incurred by qualified long-term care service institutions and personnel in providing basic long-term care services, and in principle shall not directly distribute cash to disabled persons. It may be used to pay for qualified disability grade evaluation service fees of insured persons. It may also be used to pay for compliant expenses arising from the standardized introduction of social forces to participate in handling management services through public bidding and other competitive methods. The nationally unified catalog of long-term care insurance service items shall be strictly implemented. The long-term care insurance fund shall not pay for non-care expenses such as institutional bed fees and meal fees, nor for medical expenses that should be paid by medical insurance. Insured persons receiving work-related injury insurance living care fees shall not concurrently receive related long-term care insurance service benefits.
4. Incentives, constraints, and policy coordination. The payment ratio for unemployed urban and rural residents who continuously participate shall be appropriately increased. Except for special groups such as newborns, those who do not initially participate when the prefecture's long-term care insurance system is launched, as well as those who re-participate after interrupting contributions, shall in principle be subject to a fixed waiting period of 6 months for benefit enjoyment, and the waiting period shall be extended accordingly as the number of years of interrupted participation increases. In accordance with the unified deployment of the state and provincial requirements, coordination shall be carried out between long-term care insurance and policies such as subsidies for economically disadvantaged elderly and disabled persons and nursing subsidies for severely disabled persons.
II. Management and Services
(1) Assessment management. The nationally unified long-term care disability grade assessment standards shall be implemented. The number of designated assessment institutions shall be reasonably determined by comprehensively considering the overall scale of disabled persons, industry development realities, and management service capabilities. A mechanism for reasonably sharing assessment service fees between the fund and individuals shall be established and improved. In principle, assessment service fees for the first assessment passed by the insured person and for periodic re-assessments participated in as required by the system shall be paid by the fund. Insured persons shall be guided to rationally exercise the right to apply for assessment, avoiding arbitrary and excessive applications. A standardized training mechanism for assessors shall be established, and the building of a professional assessment workforce shall be promoted. A quality control system for long-term care insurance disability grade assessment shall be established, cross-regional mutual recognition of disability grade assessment results shall be promoted, and mechanisms for assessment coordination among healthcare security, civil affairs, health, and disabled persons' federation departments shall be explored.
(2) Payment management. A payment and negotiation mechanism suited to the characteristics of long-term care insurance services shall be established. For different service methods, diverse composite payment methods such as payment by service duration (service package), by bed-day, and by service item shall be explored. A linkage mechanism between the long-term care insurance service quality evaluation system and cost control shall be established and improved, with service quality linked to fund payments to guide designated institutions in providing quality services. The institutionalization, standardization, and procedural development of fund settlement shall be strengthened. Expenses payable by the long-term care insurance fund shall be settled and disbursed by long-term care insurance handling institutions at all levels with designated service institutions as prescribed.
(3) Service institution management. Long-term care service institutions shall be subject to designated management. In accordance with the principles of "ensuring basics, reasonable layout, selecting the best for inclusion, and dynamic adjustment," the allocation of designated long-term care service resources shall be planned in a coordinated manner. Various elderly care institutions, medical institutions, or other service institutions with corresponding qualifications within the prefecture whose business scope includes elderly care services, care services, or nursing services may voluntarily apply to the healthcare security department for designation, and shall be included in designated management on a merit basis after review. A training and cultivation mechanism for long-term care workers shall be established and improved, and the dynamic balance between talent supply and job demand shall be continuously explored.
(4) Handling management. A handling service system shall be established and improved. Healthcare security handling institutions at all levels throughout the prefecture shall be responsible for carrying out long-term care insurance handling work, and shall organize and implement long-term care insurance handling management in accordance with handling procedures. Qualified third-party institutions such as commercial insurance companies may be introduced through public bidding and other competitive methods to participate in long-term care insurance business handling, and entrusted handling service fees shall be paid from the fund in proportion or at a fixed amount as agreed in the contract. The prefecture-level long-term care insurance handling institution shall scientifically prepare the draft budget and final accounts of the prefecture's long-term care insurance fund. An incentive and constraint mechanism for designated assessment institutions, designated care service institutions, and third-party institutions participating in handling services shall be established and improved, the application of assessment results shall be strengthened, and the quality and efficiency of management services shall be improved. The state, provincial, and prefecture regulations on the transfer and continuation of long-term care insurance relationships across pooling areas and on benefit enjoyment shall be implemented. The nationwide unified long-term care insurance subsystem shall be applied, and digital "one person, one file" management for benefit recipients shall be comprehensively promoted.
(5) Fund management. The long-term care insurance fund shall be incorporated into the prefecture's social security fund fiscal special account, managed uniformly at the prefecture level, with separate accounts, separate accounting, and dedicated funds, adhering to the principle of determining expenditure by income and maintaining balance between income and expenditure. The systems for fund budget preparation, performance management, dynamic monitoring, and risk prevention shall be improved, and medium- and long-term actuarial analysis shall be carried out on a regular basis. When the fund encounters payment difficulties, financing and benefit policies shall be optimized in accordance with regulations. Fund financial and accounting systems shall be strictly implemented, income and expenditure management shall be standardized, accounting statistics and supervision and inspection shall be strengthened, financial discipline shall be strictly enforced, and the safe and stable operation of the fund shall be safeguarded.
(6) Supervision and management. A fund supervision system shall be established and improved, regulatory methods and approaches shall be innovated, disciplinary mechanisms for persons and institutions committing insurance fraud shall be improved, and financial and audit supervision shall be strengthened. A long-term mechanism for long-term care insurance supervision shall be improved, and the use of the long-term care insurance fund shall be included in the scope of supervision such as flight inspections and intelligent monitoring in due course. Supervision and law enforcement for long-term care insurance shall be intensified, the connection between agreement management and administrative supervision shall be strengthened, and a mechanism for joint investigation and handling of important clues and major cases shall be established, firmly safeguarding the bottom line of fund security. A credit evaluation management system for insured persons, participating entities, various institutions, and service personnel shall be gradually established.
III. Safeguard Measures
(1) Strengthen organizational leadership. Under the unified leadership of the prefecture government, a joint meeting system for long-term care insurance work shall be established to coordinate and advance matters related to the construction of the prefecture's long-term care insurance system. County and city people's governments shall no longer formulate implementation plans, and shall earnestly assume the primary responsibility of their territorial jurisdictions, doing a good job in coordination, participation mobilization, fund budgeting, policy implementation, fund supervision, service supply, handling management, policy publicity, and guidance, ensuring the implementation of the long-term care insurance system.
(2) Strengthen coordination and cooperation. Relevant prefecture-level departments shall fully implement departmental management responsibilities, strengthen collaboration and cooperation, and form joint work efforts. The Prefecture Healthcare Security Administration shall be responsible for the unified management of long-term care insurance and shall take the lead in formulating and organizing the implementation of supporting policies for the long-term care insurance system. The Prefecture Civil Affairs Bureau shall be responsible for promoting the construction of the elderly care service system, implementing industry management of elderly care service institutions, and planning and coordinating the allocation of elderly care service resources. It shall also identify social assistance recipients such as those in extreme poverty, low-income recipients, and orphans, and provide relevant lists and dynamic information of assistance recipients to the healthcare security department. The Prefecture Finance Bureau shall be responsible for arranging relevant fiscal subsidy funds in a timely and full manner, and cooperating with the healthcare security department in fund calculation. The Prefecture Human Resources and Social Security Bureau shall be responsible for coordinating vocational skills training and skill level certification for care service personnel, and cooperating in the connection between long-term care insurance and work-related injury insurance, the withholding and payment of premiums for retirees, and the sharing of basic pension data. The Prefecture Agriculture and Rural Affairs Bureau shall be responsible for identifying and assisting individuals at risk of falling back into poverty. The Prefecture Health Commission shall be responsible for supporting and guiding medical and health institutions in optimizing and expanding care service supply, and exploring the role of family doctors in disability grade assessment. The Prefecture Disabled Persons' Federation shall coordinate related work on insurance participation for disabled persons. The Prefecture Tax Bureau shall be responsible for guiding tax authorities at all levels in collecting long-term care insurance premiums. The Prefecture Civil Affairs Bureau, the Prefecture Health Commission, and the Prefecture Disabled Persons' Federation, together with the Prefecture Healthcare Security Administration, shall jointly strengthen the coordination and linkage between the insurance system and the service system, and explore cross-departmental mutual recognition mechanisms for disability grade assessment results. The Prefecture Civil Affairs Bureau, the Prefecture Finance Bureau, the Prefecture Healthcare Security Administration, and the Prefecture Disabled Persons' Federation shall jointly coordinate the connection between relevant insurance and subsidy systems.
(3) Strengthen publicity and guidance. Correct public opinion orientation shall be maintained, the significance of implementing the long-term care insurance system shall be publicized, public concerns shall be properly addressed, and public sentiment shall be reasonably guided. Policies shall be interpreted in a timely and accurate manner, the concept of mutual assistance shall be strengthened, and efforts shall be made to create a favorable atmosphere in society for implementing the long-term care insurance system. Major matters shall be promptly reported to the prefecture government for instructions. This implementation plan shall take effect from the date of issuance. The Prefecture Healthcare Security Administration, together with relevant departments, shall formulate specific implementation measures and related policies in accordance with this plan. During the implementation of this plan, if the state or the province adjusts long-term care insurance policies, those provisions shall prevail.