Background: To alleviate the shortage of caregivers associated with disabled persons, China has implemented a pilot policy for long-term care insurance. This policy has the characteristics of "familialization" and "de-familialization" policy orientation, and it is indeed essential to clarify whether the policy has a positive spillover effect on the health of family caregivers, which is of great value to the pilot from local practice to national institutional arrangement. Methods: Based on the China Health and Retirement Longitudinal Study microdata and time-varying DID method, our study used the implementation of the pilot policy as a "quasi-natural experiment" to assess the health spillover effects of the pilot policy on family spousal caregivers. Results: This policy significantly improved the health of spousal caregivers, increasing self-rated health and life satisfaction, and reducing depression; Compared with female, urban and central-western spousal caregivers, male, rural and eastern spousal caregivers were "beneficiaries" in more dimensional health. Conclusions: Our research indicated that spousal caregivers of disabled people, particularly male, rural and eastern spousal caregivers, experienced positive health spillovers after implementing long-term care insurance. These results suggest that the imbalance between supply and demand of nursing staff could be solved in terms of de-familialization and familialization, spousal caregivers should be promoted to equally enjoy the policy benefits on gender, urban–rural and regions.

Background: Policy effect might be multidimensional and spill over to non-recipients. It is unclear how the implementation of Long-Term Care Insurance (LTCI) policy affects depression in non-disabled people and how this effect differs in different non-disabled groups. Methods: Using time-varying differences-in-differences method and nationally representative health survey data in wave 2011, wave 2013, wave 2015 and wave 2018 from the China Health and Retirement Longitudinal Study, we assessed the effect of LTCI policy on depression in non-disabled people aged 45 years and older, and discussed the heterogeneity of effect across different population characteristics: retirement, financial support and social participation status. Results: We found LTCI policy statistically significant reduced depression by 0.76 units in non-disabled people compared to non-pilot cities. Depression in non-disabled people who unretired, with financial support and without social participation was reduced by 0.8267, 0.7079 and 1.2161 units, respectively. Conclusions: Depression in non-disabled people was statistically significant reduced because of LTCI policy in China, and non-disabled people who unretired, with financial support and without social participation benefited more from LTCI policy. Our findings highlight the depression-reducing effect of LTCI policy in non-recipients and suggest that non-disabled people who unretired, with financial support and without social participation should be concerned during LTCI policy progress.

Long-term care insurance (LTCI) in China provides financial and care security for persons with disabilities and includes caregivers in the paid labour workforce. However, it is unclear how the LTCI affects health outcomes in female recipients, female caregivers, and female non-recipients and female non-caregivers. Using the China Health and Retirement Longitudinal Study data and staggered difference-in-differences method, we evaluated the effect of LTCI on health outcomes in women with different roles, including female recipients, female caregivers, and female non-recipients and female non-caregivers, and discussed the heterogeneity of the effect on women’s health outcomes. LTCI statistically significant increased self-rated health and reduced depression in women and improved the health in women with different roles by increasing self-rated health in female recipients, reducing chronic diseases in female caregivers, and reducing depression in female non-recipients and female non-caregivers. There was a more pronounced improvement in health outcomes among women in the west and northeast and women in rural village. After the implementation of LTCI, health outcomes in female recipients, female caregivers, and female non-recipients and female non-caregivers were improved. LTCI’ improvement on women’s health outcomes was heterogeneous geographically and socially. Our findings highlight the importance of delivering differentiated health interventions for women with different roles in the implementation process of LTCI and minimizing women’s health inequalities in geography and society.

Against the backdrop of increasing population aging, the uncertainty and irreversibility of climate change have a significant impact on the health and healthcare burden of the elderly. However, it remains uncertain whether the multi-tiered medical insurance system disproportionately influences the health impacts of climate risks. Using data from the China Health and Retirement Longitudinal Study (CHARLS) from 2011 to 2020, matched with urban climate risk variables, we employ a multi-dimensional panel fixed effects model and an instrumental variable model to examine the impact of climate risks on the health of the middle-aged and elderly, while also investigating the unequal effects of the multi-tiered medical insurance system. Climate risks significantly worsened the self-reported health of the middle-aged and elderly (β = 0.073, P = 0.089), and increased both total medical costs (β = 2.570, P = 0.012) and out-of-pocket expenses (β = 2.652, P = 0.003). Notably, the increases in hospitalization costs (β = 0.721, P = 0.004) and out-of-pocket hospitalization expenses (β = 0.706, P = 0.036) are particularly prominent. The current multi-tiered medical insurance system results in unequal impacts of climate risks on health and medical costs. Specifically, urban employee medical insurance and commercial medical insurance effectively improve the health outcomes of elderly individuals affected by climate risks. Urban residents’ medical insurance significantly reduces both total medical costs and out-of-pocket expenses for the elderly, whereas the new rural cooperative medical insurance shows no significant mitigating effect. Additionally, there is no evidence to suggest that the integration of urban and rural resident medical insurance can reduce the medical burden on rural elderly populations caused by climate risks. Our long-term projections indicate that, under both the SSP245 and SSP585 scenarios, the increase in elderly healthcare costs due to climate risks is irreversible. However, restrictive climate policies would yield significant health benefits, potentially reducing per capita medical costs for the elderly by nearly 50%. The decentralized multi-tier medical insurance system leads to significant inequality in the health impacts of climate risks. Our study emphasizes the critical role of reforming the existing social medical insurance system and implementing climate policies to protect the health of elderly populations.