On Legislation Of Long Term Care Insurance In China

With the continuous development of the economy,the continuous improvement of the level of medical and health,life expectancy gradually extended,more and more countries into the ranks of aging.How to improve the quality of life of the elderly and reduce the burden of family care is an important issue that the world is facing or will soon face.The establishment of long-term care insurance system is that countries cope with the aging problem,solve the demand for care of the disabl ed elderly choice.Since 2000,China has entered the aging society,the development of economy,the change of family structure,improve people's requirements for quality of life and other factors to create the conditions for the establishment of long-term care insurance system,but the economic development is not balanced,ingrained "and" concept,weak insurance awareness and other factors into our country to establish and develop long-term in the way of nursing care insurance system.As the world's largest population,the large population that the aging population is huge,Empty Nester,disabled elderly are more and more.Not only do the elderly need help in their lives,but they also need to be cared for and comforted in spirit.It is urgent for China to establish a long-term care insurance system.The United States,Germany,Japan and other developed countries have established long-term care insurance system according to their own conditions and implemented for decades,and achieved good results.Different patterns of each one has his good points but there is no doubt,must conform to national conditions,no matter what kind of model in the implementation process have experienced different problems,provides valuable experience and lessons for us.How to get the essence,avoid the problems that have appeared in the course of the implementation,and establish a long-term care insurance system in line with China's national conditions is a problem we need to explore.In this paper,we first introduce the background and significance of long-term care insurance system,the concept,several different ways to provide nursing care,Then select the long-term care insurance system of the United States society commercial long term care insurance system of Japan and the comparison,analyzes its advantages and disadvantages,and to explore the establishment of long-term care insurance system in China and can be used for reference;Secondly,from our country the status of the aging,the change of family structure,increasing medical costs and the limited medical resources such as the contradiction between the several analysis of our country to establish long-term care insurance system the necessity and problems;Finally,our country should choose the mode and the reasons for selecting the mode of the proposal,and from the legislative level to the long-term care insurance system relates to the subject,the object of guarantee,the rate of insurance benefits and other aspects of the design and put forward specific legislative proposals.