China's long-term care insurance covers 180m in 2024

The programme, which started in 2016, now operates in 49 cities.

China is expanding its long-term care insurance programme, with coverage reaching more than 180 million people by the end of 2024, according to the National Healthcare Security Administration. 

The programme, which began trials in 2016, now operates in 49 cities, including Beijing and Chengdu, with 2.6 million individuals receiving benefits.

Designed to support those unable to perform basic daily activities due to aging, illness, or injury, the insurance programme remains voluntary. 

Local governments have promoted its adoption to address the country’s aging population. 

In Zhejiang province, Ningbo expanded coverage citywide by 2023, whilst Hangzhou and Huzhou launched full implementation last month, requiring an annual payment of $12.35 for enrollment.

Applicants must undergo a professional assessment to determine their eligibility based on mobility, cognition, and self-care abilities. 

However, challenges remain, including a shortage of certified long-term care workers and hesitancy among some residents to pay for the insurance. 

Whilst China’s elderly population—those aged 60 and above—reached 297 million by the end of 2023, the number of those unable to perform daily tasks is expected to rise from 46 million in 2035 to 58 million by 2050. Meanwhile, the country has only about 500,000 certified nursing workers, far below the estimated demand of 10 million.