The Research On The System Of Long-term Care Insurance Under The Background Of Aging

With the Increasing of the population aging, old-age care has become the importantthemes in the development of human history. It has entered an ageing society in the late20th century in China, the current situation is enormous in scale, and the speed ofpopulation ageing is faster than developed countries, which shows that China will growold before it grows wealthy. However, the aging long-term care in China is rendered outof the following characters: self-care ability of the elderly has declined as a whole; thenumber of elderly and disabled people has increased quickly, as well as the costs oflong-term care has kept high, the supply and demand for long-term care services has beenout of balance and so on. Therefore, it is necessary to set up the localization of long-termcare insurance system. This article discusses necessity of establishment of the long-termcare insurance system in China, analyses the current specific issues faced by thelong-term care insurance in China, drawing on foreign mature experience relatively, afterthat, puts forward some suggestions and countermeasures of localization.At first, the article outlined the summary of literature review about long-termnursing insurance both at home and abroad, and defined its concept, then gave theresearch methods and thoughts of this article, at last, illustrated the necessity oflong-term nursing insurance, surrounded by the situation of population ageing status,changes of family structures, constantly increase of medicine costs, the pros and cons ofexisting medical insurance system, and the imbalance of long-term nursing insurance insupply and demand etc.Secondly, this article analyzed many other practical problems faced by the long-termcare insurance in China from the public long-term care insurance related to cognitivebiases, inadequate laws and regulations, lack of clarity of the nursing grade standards,risk control technique and talent scarcity, inadequate care and nursing staff analysis so onand so forth.Thirdly, this article introduced the development status of long term care insurance inforeign countries, and built on their successful experience. Analyzed the commercial careinsurance in the United States, the social care insurance in Japan, as well as the statutorycare insurance background, specific content, and the construction of their respectiveadvantages and disadvantages of each system Germany, and gave the evaluation.Drawing on the successful experiences of developed countries, it has pointed out that it isnecessary to establish of the model of long-term care insurance in China according to thepractical situation.Finally, this paper put forward a framework for long-term care insurance frommulti-faceted, multi-level comprehensive nursing care insurance system according to thestatus of nursing care insurance in China. That is, the establishment and perfection ofChinese system of long-term care insurance must pay attention to the close collaborationof government, the market and society, and should be implemented based on the statutory care insurance, community-care insurance as the main content, commercial careinsurance as a necessary complement to the long-term care insurance system. In the end,from the concrete ideas of construction to the specific programs, the article discussed theconstruction of long-term care insurance system in China.