International Comparison Of Long-term Care Insurance System

Due to increased aging,longer life expectancy and changes in family institutions,the nursing needs and nursing costs of the elderly population in our country are constantly increasing,and long-term care insurance gradually draws wide attention throughout the country.The Fifth Plenary Session of the 18 th Party Central Committee proposed to explore the establishment of a long-term care insurance system since October 2015,pilot projects have been started various regions,and fourteen long-term care insurance pilot cities have been put into operation one after another by now.Currently,the long-term care insurance in our country is in its exploratory stage,and which mode to use has not yet been confirmed and promoted.It uses comparative analysis and the literature research method to sort out the international long-term care insurance system,generalize the characteristics of the country which has been established the long-term care insurance,summarize their commonalities and differences of the international long-term care insurance systems for different countries,divide the main modes of long-term care insurance and analyze the characteristics,fairness and efficiency of various long-term care insurance modes,providing reference for exploring the system mode and implementation path of long-term care insurance in China.It is found that in the process of implementing long-term care insurance,typical countries have provided legislative support,formulated the evaluation standards for the level of disability,set up the responsibility agencies,attached importance to nursing service,and adopted the combination of benefit in kind and benefit in cash.However,in the process of implementation,there are differences,so by these differences,subsidy mode,social insurance mode,commercial insurance mode,mixed mode and senior eldershield mode are divided.By comparing these five models,people found that they have different characteristics about coverage areas,fund raising,government responsibility and treatment payment,and there are differences in fairness and efficiency.In view of the differences between modes and the reality of our country,it is suggested that the long-term care insurance system should be established for social insurance in China.