Research On The Development Of The Long-tem Care Insurance In China

Nowadays aging wave has swept across the global, become the whole international society are urgent problems to be reckoned with, most of the developed countries in the world has entered the aging society. An ageing society refers to the number of elderly population population reached or exceed a certain percentage of a population structure model, according to the regulations of the United Nations, as a country above 60 years old and a population of more than 10% of the population, or over 65 years old and a population of more than 7% of the population, the country has entered into an aging society. According to the United Nations statistics show that in 2002 the world more than 60,10% of the world’s population, is expected to reach 2050 global ageing population will reach one 5 of the total population in the world. According to the United Nations statistics show that in 2002 the world more than 60, 10% of the world’s population, is expected to reach 2050 global ageing population will reach one 5 of the total population in the world. While China has entered the aging society in 1999, and China is aging problem of the most serious countries in developing countries. According to the 2015 China statistical yearbook data show that by the end of 2014, China has reached 210 million,60 years of age or older population accounts for 15.5% of the population, and nearly 210 million elderly people mouth by is fail, half 40 million people to the old man, with the improvement of people’s living standard, the human life has been extended, with age rising incidence of chronic diseases, the elderly and disability, the population of the old man is still in the future will further increase. The United States, Germany, Japan and other developed countries due to earlier entered the aging society, so these countries all have conducted long-term care insurance to cope with the problem, through years of practice have made relevant achievements and experience, to a great extent, alleviate the aging population brings to the national security of life, and our country from 2005 to the exploration of the long-term care insurance, both in theory and practical experience in developed countries and there’s a big gap, so the purpose of this article is to explore the development of long-term care insurance in our country.This paper adopted the method of combining the quantitative analysis and qualitative analysis were analyzed, and the first, the concept of long-term care and long-term care insurance are defined; Secondly, analyzed the current obstacles exist in the process of the development of long-term care insurance and insufficient, found that long-term care insurance in China both in social and business model has the problem of supply and demand of double cold, long term care insurance there is a big gap between supply and demand; Finally, based on the development of long-term care insurance in the United States and Japan in the analysis and reference, and combining with China’s specific national conditions, puts forward some Suggestions for developing long-term care insurance in China:first, on the development model, in the economic level, population structure, the existing system in our country and the United States, Japan has great different in such aspects. as, therefore on the development of long-term care insurance in our country can not completely copy the us-japan development pattern, the two countries completely using a single mode of commercial insurance and social insurance mode, but set up is given priority to with social long-term care insurance, commercial long-term care insurance supplement multi-level long-term care insurance system; At the same time as soon as possible, establish and improve the long-term care insurance laws and regulations, strengthening the construction of professional talent team, at this stage focus on the development of community nursing care supply mode and strengthen the cooperation of insurance industry and nursing services. In this paper, the development of long-term care insurance in China from various perspectives to improve and perfect Suggestions, in order to promote the rapid, stable, long-term care insurance, specification development to solve the problem of the elderly long-term care of hundreds of millions of families in our country, form a good social atmosphere, also let the elderly can still enjoy in later life with dignity has a quality of life.