Embedded In Medical Insurance:the Model Choice Of Long-term Care Insurance In China

With the aggravation of the aging population,the number of the elderly and the proportion of the old people in the old group especially is gradually increasing.With diseases and chronic diseases occurring frequently,the number of elderly people that are disabled will also increase.The daily life care,medical care,spiritual comfort and so on are needed.In the same time,because of the small size of the family structure,the professionalization of women and population flow,the family pension function has been weakening.Then,the need for care is either be suppressed or be satisfied beyond family.Whether it is hospital care or nursing home care,they are not only expensive but also not enough.Although the commercial nursing insurance play a certain protection function,but due to narrow coverage,high rates,moral hazard and other reasons,it is unable to meet the universal nursing needs.To face the grim reality,only fitting care services into insurance coverage and developing social long-term care insurance will be better to solve the problem of elderly care.In short,the main responsibility for the elderly care has been transferred from the family to the society.How to protect the quality of the elderly life,mental health and dignity of life,meet the needs of elderly care,which has challenged to the establishment and development of long-term care insurance.In the current socio-economic environment,for the path of the long-term care insurance,scholars generally considered that it needs system innovation,but they had different opinions and debated seriously around long-term care insurance to be a independent system,fitted into pension insurance system,fitted into medical insurance system or one system including three systems.This article is based on the problems of the lass of care service and being expensive,and considers the optimized path of long-term care insurance system as the research goal.The writer read the literatures at home and abroad about long-term care insurance and used system innovation theory,social division of labor theory and life cycle hypothesis to analysis the base of LTCI system innovation,including the need for providing for the elderly,the need for system innovation and the need for optimum distribution of resources.After expounding the beginnings and features of four LTCI models in detail,the writer analyses comparatively the advantages and disadvantages of the four models,and get a conclusion that it is the best choose fitting LTCI into medical insurance system.Through drawing lessons from mature development experience at abroad and pilot experience at home,summarizing general rule about the development of LTCI,exploring the combination of long-term care insurance and medical insurance,and making the model of long term care insurance from law construction,multiplicity subject,coverage of security,financing method,benefit standard,quality control and so on.Then it is useful to predict the possible problems in the process of building the model and put forward the countermeasures.