Research Of Medical-Nursing Combined Institutional Care And Insurance Mode From The Perspective Of Health Aging

With the development of the ageing of the population,how to support the elderly has become a big problem for the society to be faced with.To achieve the goal of healthy aging set by the WHO,pension model needs to be improved to ensure the sustainable development of the health among older people.At present,there are three sources of pension in China,the basic social pension insurance,enterprise annuity and commercial life insurance.Among which the basic social pension insurance can only provide basic old-age insurance for the insured,and there is now a huge gap.The enterprise annuity currently only covers a small part of the enterprise's employees,it can be predicted that if we want to have a high quality of life for the elderly,commercial life insurance is necessary as a good supplement.This paper first introduces the background and significance of the healthy aging,and then by listing the main modes and cases of the combination of the current medical support,which leads to the necessity of commercial insurance to participate in the combination of medical support.And some of the common medical and support community at home and abroad were analyzed,summed up the insurance participation in the operation of the combination of medical support mode.Finally,the advantages,disadvantages,opportunities and threats of these models are analyzed.Through the analysis,the Business insurance company to participate in the integration of medical support,integration of medical support industry chain,is bound to bring the good development of closed-loop.Investment and medical support community,large capital,long cycle,slow return.Accordingly,the commercial insurance companies because of the special nature of insurance products,there are plenty of funds,to seek suitable channels of long-term investment,so the commercial life insurance companies to invest in the combination of medical care is a win-win cooperation.Finally,the conclusion of this paper is that when the commercial insurance companies take part in the health aging can make a marked impact.As a future trend,it's beneficial for both government and commercial insurance companies,as well as the customers and society.The nature of business insurance means that he has a premium income for a period of time.While for the old-age real estate,It has the characteristics of long investment cycle,and a slower financial returns.As a result,supply and demand has been a very good combination.So it can achieve a win-win effect for both the commercial insurance investors and the combination of medical and support industry.With the deepening of aging in our country,the combination of old-age pension community will be works mainly for the future of pension.