Research On The Urban Inhabitants Care Insurance In China

Care Insurance is to provide more or less safeguard for the weak, let the disabled (most of them are old people) insured, it is an effective and necessary approach to be against long-term care risk. All countries in the world are entering the aging society; there appear many problems in development such as retirement, social security, medical treatment (esp. for the old) and so on, which is becoming a heavy duty to more and more countries. China is a country with large population, with the constant improvement of the society, the economic level and with advancements in medical technology,the average age of domestic residences will increase continuously. Our social problem of aging population will be more outstanding. Meanwhile, the "one child policy" established in the 1970's is showing results with a decrease on the birth rate, resulting in smaller families. It makes the present "4-2-1 ", "4-2-2 ", even the "8-4-2-1" family structure as well as the "empty family". The middle-age has to take on the main duty of the work to support their parents and children. The constant soaring of the medic-cure cost and guarantee of the medical insurance is insufficient, has brought the financial burden to every family and the negative effect to society. Owing to the change of family structure and weakening of family caring function, the caring for the old who is ill or who loses self-caring ability has become a very serious social problem. Old people are in need of help in daily life, and get consolation in spirit is another requirement.Through analysis on the successful and popular international Care Insurance in developed countries such as America and Japan, this article presents the necessity and the feasibility of Care Insurance in China. Our country is still a developing country with lower per capita GDP and imperfect systems of social Endowment Insurance and Health Care Insurance. We should emphasize the Care Insurance system to be brought about into the social security system to show the wide-coverage, universality and equality of our social insurance policy. As in view of the situation that domestic commercial insurance is hardly to meet the demanding to the old-man care service from the whole society, and the limited capacity of payment on Care Insurance of unit enterprise and family members, however, our government is likely has the ability to make an effort on paying part of the expenses. When there is social care insurance, commercial care insurance as a service will improve it. The consistence of them will speed up the development of Care Insurance. Based on the aging situation and imbalance economic development; our government should wage the Care Insurance with clear objectives regionally and gradually. Developed areas are prior to others in marketing; basic safeguard is prior to complete guarantee. Care Insurance system in our country should be guided by governments'practice, guaranteed by its policies, and it is necessary to use the running mode of fraternity for reference in order to develop a good way as house care is the core-idea and institution care the assistance. There are lots of problems encountered to develop Care Insurance at present, in exterior market environment, in the insurance demand and even the insurance supply side. Such status is analyzed at the end of this thesis with some counter-measures and suggestions.