随着我国人口老龄化加剧,失能群体规模不断扩大,长期护理保险成为应对失能风险的核心制度。本研究聚焦49个试点城市的长期护理保险服务项目相关政策文本,综合运用ROST CM6和UCINET6软件进行词频统计、语义网络分析及中心度指标分析,深入挖掘政策要素之间的关联以及政策体系的结构特征。研究结果显示,“护理对象”“护理”“保险”“评估”“协助”等是政策的核心要素,高频服务项目聚焦基础护理、功能训练及健康监测等方面。从整体上看,政策体系呈现出“供需耦合”“制度衔接”和“专业支撑”三重逻辑特征。基于上述分析,本研究提出了涵盖价值、制度与操作的三维优化路径,包括建立动态评估机制（强化供需匹配）、构建契约化治理体系（优化制度协同）以及推动标准化与差异化服务结合（提升效能）。通过这些措施,旨在提升失能人员的护理保障水平,进一步完善我国的社会保障体系。

With the intensification of population aging in China and the continuous expansion of the disabled population, long-term care insurance (LTCI) has become the core institutional solution for mitigating disability risks. This study examines policy texts related to LTCI service programs across 49 pilot cities, comprehensively employing ROST CM6 and UCINET6 software for word frequency statistics, semantic network analysis, and centrality metrics analysis to explore policy element correlations and structural characteristics of the policy system. Findings reveal that "care recipients" "nursing care" "insurance" "assessment" and "assistance" constitute core policy elements, with high-frequency service programs focusing on basic nursing care, functional training, and health monitoring. On the whole, the policy system demonstrates three logical characteristics of "supply-demand coupling" "institutional coordination" and "professional support". Based on these findings, the study proposes a three-dimensional optimization framework encompassing dimensions of value, institution, and operation. This includes establishing dynamic assessment mechanisms to strengthen supply-demand matching, constructing contract-based governance systems to optimize institutional synergy, and promoting standardized yet differentiated services to enhance service efficiency. These recommendations aim to improve the nursing and security for disabled populations and refine China's social security system.