Research On Demand And Supply Of Long - Term Nursing Insurance In China

With the deepen of an aging population in China, aging and disability become a remarkable feature in the elderly group. Along with the change of family structure and the elderly health care costs rise, the problem of the elderly long-term care becomes more and more prominent. The implementation of the foreign elderly long-term care insurance provides a train of thought for us to reduce the pressure on the elderly long-term care in China. However, there are serious imbalance between supply and demand of the long-term care insurance in our country. This paper take the long-term care insurance in China as the research object, and focus on the analysis of the long-term care insurance supply and demand situation.In the aspect of demand, the elderly in the survey thinks that it is necessary to establish long-term care insurance and they have quite high expectations of social long-term care insurance. Also, they hope to have payment methods including cash and service. Besides, the factors such as age, number of children and income,ect. have influences on the demand of the long-term care insurance. In the aspect of supply, a lot of long-term care insurance in China at present is given priority to commercial insurance supply, and the payment method is only focus on the cash. The social long-term care insurance is just in its infancy and the coverage is limited.There are many contradictions with the comprehensive comparison between supply and demand of social insurance for long-term care in our country at present: the demand of the long-term care insurance is diversity the supply is single; the long-term care insurance is not independent and it attached to the other mechanism; the consciousness for long-term care insurance is not enough. The reason for these contradictions are different:the crowding out of the informal family care; the consumers’limited knowledge causes the lack of demand for commercial long-term care insurance; the single payment method of the long-term care insurance limits the implementation of requirements; the dependent of the long-term care insurance product reduces the effectiveness of the security.Therefore, we should guide the public to have a correct consciousness and accurate positioning of the two kinds of long-term care insurance in order to promote the development of long-term care insurance in our country. On the one hand, we should strengthen the awareness of risk prevention of long-term care; on the other hand, we should guide consumers to set up the correct thinking between commercial and social long-term care insurance. Besides, we should attache great importance to the coordination of government and market development for a more diversified supply road, and we can also draw lessons from foreign experience for the development of a multi-level long-term care insurance system. Furthermore, we should strengthen the construction of a complete system of the long-term care insurance, such as the infrastructure system, the professional talents, the assessment system of nursing level, etc.