Research On The Problems Of Long-term Care Insurance In China

Acceleration of population aging is the basic trend of development of the world's population; the world gradually entered the aging society. As China's social and economic development continues to improve, a large number of advanced medical equipment to use, the average life expectancy of our population is also rising, coupled with the late twentieth century, 70 the implementation of family planning policy has paid off, there has been growing family structure small and weak support and care for the elderly social problems. To solve this problem, although China has established a relatively sound social security system, but in the long-term care insurance is the issue of development is still relatively lagging behind.With the dramatic changes in social life, the elderly care is increasingly becoming the focus of society in general. This rapid aging of our population from the perspective of the necessity to establish a long-term care insurance, analysis of China in the social transition issues related to long-term care insurance, long term care insurance draws on successful foreign experiences, put forward for the national conditions of China suggestions in the hope of long-term care insurance for the establishment and development to provide some useful help.First, we focus on the establishment of long-term care insurance need to start the discussion. With the continuous improvement of quality of life and health level and more advanced, our average life expectancy continues to extend; due to China's family planning policy has borne fruit in the inhibition of the rapid population growth, aging population, social phenomena are increasingly prominent. Therefore, the elderly and care for old age pension has become a reality we must face the issue. Although China's long-term care insurance has not yet been incorporated into the social security system, just be involved in commercial insurance, but to arouse the whole society's attention. Because of the lack of long-term care insurance, bringing the social and family financial burden is too heavy, the government expenditure for the elderly population increases, elderly care, and used the advanced problems. Therefore, care services for senior citizens in retirement to solve the problem of establishing long-term care insurance are necessary. Secondly, the social transition, long-term cares insurance for our in-depth analysis. Economic boom in the market today, our country is experiencing a comprehensive and systematic social transformation, the pressure in the home smaller, the traditional way of pension and nursing the elderly can not meet the increasing material and spiritual needs. In fact, China has formed a to "family-based, community-based care, institutional pension to complement the "new old-age concept.Again, this article describes the development of foreign long-term care insurance status, and learns from their successful experiences related. This paper chose Germany, the United States, Japan, the three countries to discuss the long-term care insurance and found them to establish long-term care insurance, the basic premise, are also more and more serious aging population, most of the basic living problems of older persons, and can not pay the high hospital or nursing home costs. Therefore, these countries have established a relatively perfect insurance model of care to address the insured person needs a certain age the cost of chronic diseases and care issues. Are at the present stage in the context of an aging population also requires a positive long-term care insurance to secure their old age, through appropriate reference to Germany, the United States, Japan and other countries of successful experience, and establishing conditions of our country's long-term care Insurance development model is imperative.Finally, for the lack of long-term care insurance, proposed to build long-term care insurance of the basic ideas. Because of population aging is the inevitable trend of social development, will be on China's economic development has brought enormous pressure and challenges. Thus, according to China's specific national conditions build long-term care insurance, to determine the underlying philosophy, and to pursue justice, rule of law and with economic development of the basic principles of adaptation, and only on these foundations, we can put forward practical and feasible measures and recommendations.