Commercial Insurance Companies Participate In The Study Of The “health And Nutrition” Pension Model

According to the statistics report of ministry of civil affairs by the country in 2016,number of the elderly aged 60 years or older are 230.86 million which accounting for 16.7% of the total population,there into the number of aged 65 years or older are 150.03 million which accounting for 10.8% of the total population.Under the current situation,the problem brought by population aging is increasingly complex in our country,not only brought a lot of problems to our government,but also brought about great challenge to social security and health care system.Especially for those pension institutions who adopt the separation between health and pension,medical institutions resources cannot be got reasonable utilization,and the old man suffering from chronic diseases often living in the hospital for a long time.Our country's pension institutions can only provide a basic old-age care service at present,and cannot provide long-term pension service,thus causing serious under supply.At present,the separation model lead to long-term lack of the core of health and pension service resources in older people,result in the pension has become the key problems for harmonious development of society and government in our country.At the same time,current situation of pension service in our country are development time is shorter,supply shortage,imperfect and unbalanced regional market development,the imperfect supporting policies and so on,which forced the our country to deepen the change of pension and health care services,if the business insurance participates into pension mode of “combination of medical treatment and endowment”,it will be the most critical development path for pension services at present is our country,and it also can effectively improve the present situation of endowment,solve the dilemma of the pension service.Based on the above,this paper systematically studies the problem for the commercial life insurance participates into pension mode of “combination of medical treatment and endowment”.Therefore,this article mainly include five parts,the first part elaborated the research background and significance of this article,and the paper architecture which is about the commercial life insurance participates into pension mode of “combination of medical treatment and endowment” is constructed based on summarizing the related literature and research at home and abroad.The second part summarized the concept of the commercial life insurance and the pension mode of “combination of medical treatment and endowment”,and take active aging theory,demand theory and the welfare pluralism theory as a theoretical support for this study.The third part mainly introduces the current situation of the commercial life insurance and the pension mode of “combination of medical treatment and endowment”,and analyzes the agent of the commercial life insurance participates into pension mode of “combination of medical treatment and endowment”.And dissected the problem and reason of the commercial life insurance participates into pension mode of “combination of medical treatment and endowment”.Due to the developed countries have advanced theory in this research,the fourth part of this paper in reference to the experience of United States,Japan and Australia's national about the commercial life insurance participates into pension mode of “combination of medical treatment and endowment”,and put forward the several enlightenment suitable for our country.Last part of this article is put forward the suggested countermeasures about the commercial life insurance participates into pension mode of “combination of medical treatment and endowment” from the perspective of government,such as the government to provide tax incentives,government construct commercial life insurance legislation system,strengthening balance between government supervision and support,and establish the coordination mechanism between the government and related departments.