Research On The Development Of Long Term Care Insurance In China

Since the reform and opening up,China has experienced 40 years of development,and it has achieved rapid economic progress.The people's living standards have steadily increased,the quality of life has gradually increased,and the average life expectancy of the population has also been extended.Since the 19 th National Party Congress,major contradictions in China have changed,and the people's demand for a better life has been growing.However,problems that accompany them have also emerged.China is now in an aging society,and the problems caused by the aging of the population have caused social problems..It is predicted that by 2050,the total number of elderly population in China will reach 400 million,which will result in a conflict between the miniaturized family structure,the increasing number of empty-nest families and rising nursing costs and the lower income level of the elderly,nursing can no longer fully meet the needs of the elderly,China is facing a severe challenge to the nursing crisis.Many developed countries have established the long-term care insurance to deal with the care problems caused by aging population.The United States first proposed the establishment of commercial long-term care insurance to solve the problem of long-term care for the elderly in the 1970 s.The facts have also effectively confirmed this commerciality.Long-term care insurance is effective and has relieved the financial pressure of the U.S.government to a great extent,the Japanese government established long-term care insurance nationwide in 2000 in accordance with its national conditions.The rapid development of long-term care insurance in China is still at an exploratory stage.In 2016,the pilots for long-term care insurance were implemented in 15 cities across the country.From the overall perspective of the current long-term care insurance pilots that certain results have been achieved.A wide range of promotion has accumulated experience.The specific research content of this article is as follows,First,the relevant concepts are defined that the long-term care,long-term care insurance,population aging,active aging,and the concept of disabled old people are explained.At the same time,the need for care due to the aging population is introduced.The contradiction of increase in family structure and changes in the traditional pension function,low per capita income,and increased nursingcosts have made the establishment of long-term care insurance a necessary move.Second,introduce the development status and existing problems of China's long-term care insurance:including the current status of commercial long-term care insurance in China and social long-term care insurance in pilot cities in Qingdao and Guangzhou,and face the development of long-term care insurance in China during the emergence phase.The main real problem.Thirdly,the representative and comparison of the contents and basic characteristics of the representative the US commercial long-term care insurance model and the Japanese social long-term care insurance model were selected to sum up experience for the development of long-term care insurance in China at this stage.Fourth,on the basis of the foregoing,we analyze the advantages and disadvantages and conclude that in line with China's national conditions and propose measures tailored to local conditions,and China should develop a multi-level long-term care insurance model and incorporate actual conditions.It proposes specific suggestions for the development of multi-level long-term care insurance in China.