Research On The Construction Of Long-term Care Insurance System In China

Aging,it means that in a society,the number of older people more and more,this is a gradual increase in the process of the elderly population.In 2000,China has entered an aging society.With the future of China's rapid changes in the type of population from mild to severe aging,China's elderly care problems will become increasingly prominent.Long-term care insurance system as an effective response to this problem,more and more attention.Although it is in the history of social security or a "rookie",but its implementation has a significant economic and social benefits.Not only to protect the rights and interests of the elderly,improve the quality of life of the elderly,to promote the benign interaction between the family,to ease the family economic situation,to maintain the network of social networks for the elderly,and corresponding liberation of a large number of labor,Fostered a new economic growth point.In the context of the aging population,the number of elderly,sick and disabled people is increasing,resulting in a significant increase in the proportion of people in need of care.Elderly medical expenses continue to rise,the quality of care needs of the elderly to improve,resulting in a significant increase in care burden.Family demise,woman's pursuit of self-worth and other factors led to the decline of family pension function led to social unbearable pension burden.Unsound pension,medical and other social security system and commercial long-term care insurance led to the community can not afford pension pressure.Therefore,it is necessary to construct a long-term care insurance system.Germany,Japan,long-term care insurance system for the construction of China's system has great reference.German long-term care insurance to "care insurance for medical treatment" as a prerequisite.The insurance premium is 50%and the other half is paid by the employer,the higher income employee,the business owner and the freelancer can purchase the private care insurance.Under each public disease fund,a long-term care insurance fund is set up,and each fund has a long-term care department.Nursing service grade assessment and charges are national uniform standards.The payment of the care insurance includes the payment of the insurance and the insurance of the caregiver.Japan's long-term care insurance is insured for people over 40 years of age.The total amount of nursing care insurance is borne by the state and individual.Access to care services requires rigorous review and accreditation.Insurance payment is conditional and is divided into nursing payment,prevention payment,special offer of city,town and village.If the insured person is not satisfied with the nursing care,the insurance payment amount and the premium collection for the city,the village may provide a review request for the nursing care insurance examination set up in the county government.Germany's long-term care insurance coverage,strengthening informal home care responsibilities,equal and open care market,"time savings" financing and Japan's specific,strict,humane care insurance system design,government support for social forces,government Pay attention to care supply,care insurance system due to need to adjust and other advantages worthy of our study.Germany and Japan diversified financing methods,a variety of security services,unified service level to determine the standard,pay attention to home care and community care and other common worthy of our country to follow.The long-term care insurance system of Germany and Japan has enlightened the establishment,promotion and implementation of the system in China.The construction of long-term care insurance system includes three parts:insurance fund system construction,payment system construction and service system construction.In the construction of the long-term care insurance fund system,the fund-raising system follows the "socialization" principle,and establishes the financing mechanism of the joint payment of the employer and the employee,the personal pays and the government subsidy.Capital operation by the National Social Security Fund Council is responsible.Fund supervision by the government,institutions and social responsibility,mainly on the fund to pay the risk,the risk of fund management,fund investment risk supervision.Long-term care insurance payment system in the construction,the beneficiaries to achieve "full coverage." The insurance payment is determined by the assessment of the disability level,the level of care needs,and the basic form of payment is cash and services.Pay attention to nursing prevention,follow the "local conditions" principle.In the construction of the long-term care insurance service system,the service provision is based on the family nursing service and the community nursing service is supplemented by the institutional nursing service.Supporting institutions are indispensable,in strengthening the nursing grade appraisal agencies,nursing service agencies,nursing professional training institutions at the same time,we must strengthen cooperation and exchanges with other institutions.