Since joining the long-term care insurance, Cai Xirong, a 73 year old man in Jinjiang, Fujian Province, has been taking care of her paralyzed wife alone for more than 10 years. Now, the paramedics come to the door twice a week to help Cai Xirong unload his burden: "my wife smiles more, and I'm also very satisfied." What benefited the old couple was the pilot work of "long-term care insurance" initiated by Jinjiang City, Fujian Province in July 2020. "Long term care insurance" refers to the social insurance that raises funds by means of mutual assistance to provide services or financial security for the basic life care and closely related medical care of long-term disabled persons. In this pilot, the expansion of insurance coverage in Jinjiang has been promoted in an orderly manner, and the treatment level and service capacity have been continuously improved, which has improved the people's sense of gain and happiness. In Caicuo community, Meiling street, Jinjiang City, Lin Yinhua, a nurse from linlu elderly care institution, arrived at Cai Yujun's home to provide long-term care insurance services: bathing, haircutting, muscle massage... Lin Yinhua was quick and skilled. Cai Yujun smiled, and his wife Cai Xirong's heart was also warm. "Kobayashi takes good care of him, just like our own relatives." Cai Xirong said. In January 2021, after professional evaluation by a third-party organization, Cai Yujun was rated as severely disabled. After participating in the long-term care insurance, he can enjoy home care services 10 times a month. However, at the beginning, Cai Xirong didn't want the nurses to provide door-to-door service - it turned out that the former nurses lacked systematic training, failed to pass the professional skills and didn't take their attitude seriously. This time, Cai Xirong repeatedly refused to hear that another nurse wanted to come to the door. "Aunt, we nurses are professionally trained. Let me try. If not, you can refuse." At Lin Yinhua's insistence, Cai Xirong let her in. This time, Cai Xirong changed his view: "Xiao Lin is both professional and serious, I'm very satisfied!" Since then, Lin Yinhua went to Cai Yujun's house every three days to provide him with home care services for more than an hour and a half. In July last year, Jinjiang City officially launched the pilot work of long-term care insurance. Lin Yinhua signed up to participate in the disability nursing skills training course offered free of charge by Jinjiang Hospital of traditional Chinese medicine, and became the first long-term care nurse to receive formal training and assessment. Under the guidance of the backbone nurses of Jinjiang Hospital of traditional Chinese medicine and the psychological teachers of Fujian University of traditional Chinese medicine, Lin Yinhua learned the theoretical knowledge and skills of bathing, bed and chair transfer training, nasal feeding, joint nursing and mental health. Huang Changsha, director of Jinjiang Branch of Quanzhou Medical Security Bureau, said that Jinjiang has 13 professional service institutions for nursing, evaluation and auxiliary equipment leasing and nearly 100 full-time nursing staff. At the same time, for the three long-term nursing service forms of institutional nursing, community nursing and home nursing, Jinjiang City has carried out nursing training characterized by government entrustment and institutional undertaking, requiring nurses to learn and pass the long-term nursing projects one by one before taking up their posts, and arranging third-party institutions to regularly supervise and assess the work of nurses on the spot. Care saves worry and expenses save money -- Cai Xirong's account book can be calculated clearly: "now when you buy diapers, 80% of the long-term care insurance can be reimbursed, and you can save 224 yuan a month." Cai Xirong said. It is understood that Jinjiang City provides 37 kinds of rental and purchase subsidies for disabled objects according to certain standards, including nursing beds, wheelchairs, oxygen generators and other accessories, nursing pads, diapers and other consumables. Disabled objects can apply for an auxiliary appliance subsidy of 3600 yuan per year and a material consumption subsidy of 300 yuan per month. In the actual subsidy expenses, in addition to 60% of the long-term insurance fund subsidy and reimbursement, Jinjiang Charity Federation will subsidize and reimburse another 20%. At the same time, 20% of the personal burden of the low-income groups among the disabled will be fully reduced, and the reduction part will be borne by Jinjiang charity fund. After seeing the results of the first batch of long-term insurance pilot in Jinjiang City, Houlin village, Anhai Town became the first village to apply for the pilot this year. Xu jinclip, Party branch secretary of Houlin village, Anhai Town, said: "the industry in the village is good, and the balance of charity funds is also abundant. Why not make unified contributions to the insurance in the village?" Donated by the village charity fund and paid by the village collective, in this way, the villagers have guaranteed long-term protection insurance. At present, 13 disabled people in Houlin village have received free regular home care services and auxiliary equipment subsidies and reimbursement funds. In order to solve the problem of low individual enthusiasm for voluntary insurance at this stage, in the pilot practice, urban and rural residents have innovated and explored a variety of financing modes, some of which are collectively paid by the surplus part of the village collective property, and some have launched charities and township enterprises to donate. "This way of 'multi-party financing and mutual assistance' has solved the problem of difficult payment and financing in the initial stage of the pilot." Huang Changsha said. After participating in nursing work for more than a year, Lin Yinhua's most common words to nursing objects are: "take your time, don't worry, if you recover well in the future, we can go downstairs." This encouragement is more than just saying, "we go once every three days. We still rely on our own maintenance and recovery." Lin Yinhua said that she would also impart daily nursing knowledge to family members and nursing objects. Chen Ruizhen, a nurse at Puyuan elderly care institution, also has some experience. When Chen Ruizhen first went, grandma Xu, who was in charge of nursing, needed two people to help her move two steps. After that, every time she went to nursing, Chen Ruizhen was massaging grandma Xu's legs while talking about teaching her how to massage her legs. "Now I can lead grandma Xu slowly by myself." Chen Ruizhen said. According to reports, starting from the needs of nursing objects, Jinjiang long care insurance has developed a nursing service product of "47 standard projects + personalized nursing plan", which not only has standardized project standards, but also can customize personal nursing plans according to each insured's own needs. In addition, at present, a "3 + 1 + 1" treatment service system has been preliminarily formed, that is, the three main forms of nursing services: Institutional nursing, community nursing and home nursing, the auxiliary service form of auxiliary appliance service project and the supplementary service form of disability prevention intervention project. (outlook new era)