The 0.3% social insurance solution

0.3% 社会保险方案

Round Table China

2026-04-07

29 分钟
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单集简介 ...

China is rolling out what some call its "sixth social insurance": long-term care insurance. The cost is just 0.3 percent of income, but the ambition is vast. It aims to move care from unpaid family labor to a professional home based system. On the show: Fei Fei, Niu Honglin & Steve
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单集文稿 ...

  • Discussion keeps the world turning.

  • This is Roundtable.

  • China is rolling out what some are calling its sixth social insurance, the long-term care insurance.

  • On paper, the cost looks quite minimal, just 0.3% of income.

  • But the ambition is anything but small.

  • And to fundamentally shift how care is delivered from unpaid family labor to a professional system.

  • So today we ask, how can this 0.3% really help solve a growing care crisis?

  • And what does it take to turn a policy promise into real support for millions of families?

  • Coming to you from our studios in Beijing, this is Roundtable.

  • I'm Fei Fei.

  • For today's program, I'm joined by Niu Honglin and Steve Heatherly.

  • First, on today's show, imagine an elderly who can no longer eat alone, who needs help getting out of bed.

  • That daily responsibility falls entirely on family members.

  • They may lose their wages, suffer sleepless nights, and the quiet erosion of their well-being.

  • For years, this was, by and large, a private struggle.

  • But over the past decade, a quiet policy experiment began changing that.

  • Long-term care insurance, or what some are calling the sixth social insurance,

  • has grown from a small pilot to a system covering 35 million elderly people and even more in China.

  • It doesn't just pay bills.

  • It sends professional caregivers to people's homes, turning a family crisis into a shared social responsibility.