| With the development of the 21st century economy, all kinds of social problems happened, children's education problems, food safety issues, employment as well as the old age pension problems. In these problems, which of the most important is the serious supporting problem, the elderly sacrificed their own youth to the society and the family, then how to spend one's remaining days happily is a common challenges that the family and the society have to face to. At present, Chinese aging population is more and more serious. At the end of 2015, the population of the 60 years of age and older reaches 222 million, the proportion of total population 16.1%, more than 10% of international standards, has stepped into an aging society. As we all know, the elderly's physical quality drops, insufficient resistance as well as the occurrence of a variety of chronic diseases, makes the elderly disability risk increase. According to statistics, Chinese disability elderly number is a huge data -40 million, with the improvement of living standards and medical technology innovation, this data will continue to increase. Disability that daily life cannot provide himself is many elderly need to face to, how to get long term care services after the disability, to ensure the normal life, how to recover and so on, so how to get the long-term care services become social hot topic.At present, home care, community nursing and endowment institutions, has been widely applied in our country. Because of our Chinese love to respect and support the elderly in our traditional culture, family care still occupy a large proportion, which of the economic demand not only is low, but also can make the elderly feel the warmth of home, they all hope children to accompany in side when they are old. Relative to family care, pension agency care services is more professional and have special nursing staff to look after, which can meet the needs of the old man; Community care is a way that between family and pension agency care, can let the old man both feel the care of children and accept simple day-to-day care, so the community care in our country has developed rapidly over the years. However, as the family size smaller, young people work pressure increasing, family care function is weakening; The rise of human capital, the cost of the pension institution rising tide lifts all boats is very difficult to accept for an ordinary families. Although a lot of urban old people have social medical insurance, but the lack of security, mainly providing the treatment of diseases, does not provide long-term care services. The three kinds of care approach can solve a part of the problem, but not enough. So, the author from the perspective of insurance put forward the long-term care insurance to make up the shortfall, then analyze the necessity of the development of long-term care insurance, the long-term care insurance's present development situation in our country and the shortage of the product, then found that the long-term care insurance premium and terms design is not reasonable, which of the development is still unsatisfactory in our country. Therefore, long-term care insurance can only solve the problem that whose economic condition is better, but for most of the old man, it is not suitable.After carried out by the exploration, the author found that singly rely on the traditional way cannot completely solve the problem, but the same with the long-term care insurance, there are advantages and disadvantages of various ways. Therefore, the author finally puts forward that all kinds of nursing way to develop harmonically and establish a diversified system to solve the problem. There is a need to establish an old-age care system that base on the home care, community care, supported by institutions and long-term care insurance as the foundation, to make every elder be looked after properly. In this paper, according to the clues to arrange the article, which is divided into seven chapters, the following is the frame of the article:The first chapter is the research background and the selected topic significance. This paper introduces the related situation of aging in our country, and under the background of aging population problem serious disability, thus talks about how to take care the elderly in our country. And then generalizes the research situation at home and abroad, the domestic research pays attention to qualitative analysis, but little about quantitative research. However, the foreign research pays attention to the solution that all kinds of participators provide. The next defines the concept, including disability and long term care. Finally, the innovations and shortcomings of the article are illustrated, hoping to supplement study in future.The second chapter analyzes the supply and demand situation of long-term care of the elderly in our country. On the demand side, old is an inevitable topic, Chinese population base is huge so that the elderly population is hundreds of millions. Therefore the current Chinese disability elderly has huge potential demand for long-term care, but the effective demand is insufficient, every old people hope to get a decent care after their disability, however, the economic conditions is poor, mainly controlled by the state of the economy, many old people's needs are not being met; On the supply side, on the one hand, pension beds cannot satisfy the need of the elderly because of the insufficient quantity, on the one hand, bed is idle, there is no matching between supply and demand, now there is a urgent need to solve the problem.The third chapter introduces the long-term care experience for the disability elderly in the developed countries and summarizes the enlightenment to our country. I mainly analyze the Swedish national safeguard mode, Japan's social insurance type model and the model of commercial insurance in the United States three different modes. Through the analysis of above three modes, I summarize three enlightenment to our country:long-term care system should be suitable for national condition, countries should introduce the relevant legal system, to develop diversified way of care, hope to be helpful to the actual situation in China.The fourth chapter analyzes the current traditional city disability old care model in our country, home care, community care and pension institutional care. After the analysis of the current traditional way of care, I found that these three models have some disadvantages, family care function being weakening, nursing cost rising, insufficient health insurance. Although these can be part of the solution, not completely solve the problem. So, the fifth chapter, from the perspective of insurance long-term care insurance plan is proposed.The fifth chapter:basing on the above discussion, the author put forward to solve the problem from the perspective of insurance, so the chapter focuses on analyzing the long-term care insurance. After respectively analyzes the definition, the necessity of development, the current defects of the product on the market, the pilot and development situation of the insurance, then the author evaluate the developing circumstance.However, the analysis of the long-term care insurance in our country development present situation and the three long-term care insurance products in the market, there are so many defects of the long-term care insurance products that also cannot completely solve the problem of the old disability man's care and some suggestions were put forward. At last, the author put forward to improve our long-term care insurance system, respectively from the system design, the safeguard object and payment method.The sixth chapter re-examine the serious situation of aging population, in the above discussion, the author found that rely on traditional way of insurance care and long-term care insurance cannot completely solve the problem, thus put forward to complete the disabled elders'long-term care system, to strengthen the development of the endowment institutions, change the traditional concept of pension and explore the co-development of hospitals and insurance institutions.All kinds of care way develop coordinately to form a diversified system of care, so that solve the disabled old man's current dilemma.The contribution of this paper lies mainly in the following two aspects:The first one:analyze and study current situation and the existing problems of the disability, supply and demand of long-term care. Traditional long-term care supplies mainly include:family, community, and old-age care. However, because of the difference of population status, economic conditions, the demand is different, supply and demand can't match, the three ways can't solve all the problems. Therefore, from the perspective of insurance, the author put forward the long-term care insurance, fully consider the disability elderly long-term care solution, suggest various nursing models to develop coordinately.In the second place, from all aspects mainly explore the long-term care insurance. From the definition of long-term care insurance, the necessity of the development, take the long-term care insurance on the market as an example and expounds the existing problems in the long-term care insurance products. Secondly, this paper discusses the long-term care insurance compulsory pilot and the development situation in our country, summarizes the experience, expects to provide reference for the development of the national experience. Finally, the paper puts forward to establish a long-term care insurance system that is suitable to our national condition, from the system design, the safeguard object, financing way, offer some myself views, hope to be able to help in the practical work. |
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