Guangdong Long-term Care Insurance to be implemented

On 27 October 2026, the Healthcare Security Administration of Guangdong Province released the Long-term Care Insurance Implementation Regulation of Guangdong Province on its official website, which provided the detailed rules on disability assessment and nursing services involved in the implementation of long-term care insurance. The relevant provisions will come into effect on1 January 2027.

Except for Guangzhou and Meizhou, which have already launched pilot programs for long-term care insurance, other cities in Guangdong Province are expected to gradually implement and launch long-term care insurance in the near future. So far, Zhongshan has released the Implementation Measures for Long-term Care Insurance in Zhongshan, which will be implemented from 1 December 2026. The draft Shenzhen Long-term Care Insurance Measures has already solicited public comments and it is expected to be officially announced and implemented by the end of this year. The long-term care insurance policies implemented in different cities are subject to the specific regulations released locally.

For example, according to the recently released Implementation Measures for Long-term Care Insurance in Zhongshan, the participants and payment standards for Zhongshan long-term care insurance are as follows:

1. Unit employees: The payment base is the same as the basic medical insurance payment base for employees, with a total rate of 0.3%. The employer and individual each bear 0.15% and pay monthly. The current employer rate for basic medical insurance for employees is reduced by 0.15% which is adjusted as the employer rate for long-term care insurance.
2. Retired personnel: The payment base is their basic pension. The payment rate is 0.15% and shall be paid monthly.
3. Flexible employment personnel: The payment base is the current employee basic medical insurance payment base. The payment rate is 0.3% and shall be paid monthly.
4. Unemployed urban and rural residents: The payment base is the per capita disposable income of residents in the city for the previous year. The current payment rate is 0.15% and shall be paid annually.

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