The Study On China's Long-term Care Insurance

Medical insurance as an important part of our country's social security , it plays an important role in improving the social security system and safeguarding the stability of society. The reform of our medical insurance system experienced the "LiangJiang-type", "Hainan-style" and "Shenzhen-style" and so on, but these styles were used only an individual's medical insurance system to replace the 50's public health medical insurance .They were rational, but there were many contradictions in practice. Therefore, setting up and completing the multi-level medical security system is becoming the main target of the reform at this stage. So the government in our country propose to setting up a multi-level medical security system now, not only in order to meet the medical needs of people of the different status, but also an urgent practical need to set up a new medical insurance system ."Advocated to establish the enterprise's supplementary medical insurance," "vigorously prosper commercial medical insurance" and so on have higher voice in building a multi-level medical security system at currently. Since the year of 2000 our country has officially entered the ranks of aging country. On the one hand, the aging of the population rapidly brings our society impoverished and elderly, on the other hand, because of the improved medical science and technology, the average expectancy of population's life extend continuously; At the same time, because of the decline in fertility rates, the structure of our country's home is become more and more small and appears large numbers of "empty nest families". Nowadays, middle-aged people not only take care of the elderly, but also take care of the children, at the same time, they probably undertake their heavy job duties. So they usually feel unable to care for the elder people attentively. In addition, because of the rising cost of the long-term care, the basically social health insurance for the elderly are inadequate safeguards, so our country urgently need a long-term care service to share the burden of middle aged people, also need a health insurance product---long-term care insurance to providing financial security for the long term care service.Therefore, this article is analysis in terms of long-term care insurance from a single of our country's commercial health insurance to improving and developing our country's supplementary medical insurance industry. First of all, this article according to analysis the successful experience of the United States and Japan's long-term care insurance, then clarify the need for long-term care insurance in our country. Through analyzing the long-term care insurance which carried out in our country at the current stage and analyzed the risk which the long-term care insurance in our country faced, this article proposes innovatively to launch a new linking product, the new product can solve many problems which long-term care insurance in our country encountered, it also further develop and refine long-term care insurance in our country in the future.