Study On Long-term Care Insurance Demand In Chongqing

With the progress of society,the continuous improvement of the quality of life,and the continuous increase in the average life expectancy of the population,the problem of population aging has become more prominent in countries around the world,especially in China.Due to the weakening of family care functions,the prevalence of chronic diseases,and rising medical costs caused by the shrinking family size,it is imperative to provide nursing services for the elderly to protect their quality of life in their later years.In response to these problems,developed countries have established a relatively mature system of long-term care insurance.For China,long-term care insurance is still in its infancy,and only some cities have conducted long-term care insurance pilots.Therefore,it is particularly important to explore the need for long-term care insurance.This article will analyze the influencing factors of long-term care insurance demand while it has not been established in the country,based on the western economically developed cities-Chongqing City,using empirical research methods combined with interviews.The main contents of this paper include:Firstly,it defines the related concepts of long-term care insurance,discusses the theoretical basis of this research,analyzes the current situation of China's population structure change and related systems for the elderly,and discusses the necessity of developing long-term care insurance in China.Secondly,it elaborates the contents of long-term care insurance in developed countries,analyzes the background,characteristics and existing problems of developed country systems,and prepares for the localization of long-term care insurance.Then,on the basis of reading and collating relevant literature,research hypotheses were proposed and questionnaires were designed.Analyze the collected data by establishing a binary logistic model and a case interview.The results of the study concluded that Chongqing residents are not in high demand for long-term careinsurance.And degree of education,economic factors(personal monthly expenditures),health factors(whether family members have chronic diseases,whether or not there are elderly people receiving care around them),cognitive factors(age of population understanding,degree of disability concerns,whether family members will provide help,Whether to accept care outside the family);insurance awareness(consent to the protection function of insurance,satisfaction of medical insurance,understanding of long-term care insurance,and whether long-term care insurance can solve problems of elderly care and establish)are the main factors affecting the long-term care insurance demand of Chongqing residents.According to the results of the study,based on the economic development level of Chongqing,the paper proposes the establishment of long-term development in Chongqing from the five aspects of legislation,premium design,residents' insurance awareness,nursing service system and talent team construction,and development of health prevention.The specific recommendations of the Nursing Care Insurance System prepare for the long-term care insurance system to be implemented nationwide.