The Research On Long Term Care Insurance In Our Country With The Background Of Chinese Aging

Nowadays aging problem has aroused the whole world's attention. In order to solve it, every country exert their effort to find the suit way and publish their policy. Long-Term Care insurance product first appears in America in 70's of the 20th century, then 80's in Germany and France. Japan started to carry out the plan of Public Long-Term Care insurance in April, 2000. In 2000, china is an"aging society". After eight years, the aging population rate has achieved 11.3%. The aging population has a reduction on their income after retirement. In addition, many old people have endured huge economic burden due to the increasing kinds of disease medical expenses. Meanwhile the coverage of the current social medical insurance system is limited. The wrinkly is on the dilemma of caring elder and helping younger. At the same time, they have to deal with their own work. All made the wrinkly found difficult to take care of their parents。It is urgent to supply the elder-care service and the correspondent insurance product-long term care insurance.This article covers many subjects knowledge, including four major parts. Firstly, it identified Long-Term Care Insurance product, and analyzed both the content and background. This is the theory basic things. Then, the article introduced the necessary and the urgency of Long-Term Care insurance product. In this part, the author concretely analyzed the current situation and main difficulties of provide for the aged. Then the article introduced the experience and lesson of Long-Term care insurance overseas product exhaustively. The Long-term care insurance whose pattern can divide into two types: American pattern and Japanese-German pattern. American insurance is on the path of commercialization management while Japanese and German insurance belongs to the social security system. In this part, the author tells the difference and finds the commonness. Also in this part the suggestions are offered.Lastly, the article discussed the feasibility and prospect of Chinese Long-Term care insurance produce. Through the comparisons with different LTCI styles and Chinese situation, the author advised to take the multilayer and multiform care insurance system which can supply the selective service with different quest.