Research On The Development Of Long Term Care Mutual Insurance In China

The aging of population is one of the focuses of social contradictions in the world.In order to effectively deal with this problem,countries have been seeking measures according to the characteristics of their own aging population,especially in developed countries.At present,China is aging and has a prominent population contradiction.Data from the?2018 China Statistical Yearbook?show that by the end of 2017,the total population of China was 1.39 billion(excluding Hong Kong,Macao,Taiwan and overseas Chinese),of which 241 million were over 60 yearsold.With 17.34 percent of the population,158 million people older than 65,or 11.37 percent of the total population,are expected to be as many as 300 million by 2025.China will step into the ranks of super-elderly countries.The current situation of population aging in China has the following characteristics large population base,rapid development trend;inverted urban and rural areas,large regional situation difference;the trend of aging is becoming more and more intense;the proportion of disabled elderly,empty nest elderly,and the elderly living alone is rising rapidly.Among the social groups,the elderly older than 60 years of age are vulnerable groups,and with the increase of age,the state of health will decrease,the probability of suffering from various diseases will rise,and the demand for care will increase as a result.The long-term nature of nursing cycle and the high cost of nursing will bring double pressure to the family,society and relatives and children,and the long-term care insurance will develop.At present,because of the dilemma of commercial pilot and social background of long-term nursing insurance in China,the mutual mode is introduced into long-term nursing insurance,which effectively alleviates the difficulty of financing and running long-term nursing insurance.The paper isdivided into five parts as a whole.First of all,the research background and significance of long mutual risk are summarized and sorted out,and the research contents and methods of this paper are selected.The innovation and deficiency of the article are pointed out,and the related concepts and applied theories of long-term mutual danger are also summarized.Secondly,the feasibility of developing long-term nursing mutual insurance in China is summarized,and the problems are combed in the light of the current status of implementation in the pilot areas This article explains the significance of carrying out long-term mutual insurance in China by focusing on the increaasingly severe aging of population,the trend of aging,the bottleneck of the development of current long-term nursing insurance,and the unique advantages of mutual insurance in order to explain the significance of carrying out long-term mutual insurance.Then from the nursing institution,the personnel supply is not in place,the policy holder to the nursing mode choice tradition,as well as the related laws and regulations lack and so on,to elaborate our country development long-term mutual insurance faces the concrete problem.Then the paper compares and analyzes the basic premise and current situation of the development of this kind of danger in the western developed countries,France,and draws lessons from its development process,seeks common ground while reserving differences,and draws lessons from it under the conditions consistent with the national conditions of our country.Finally,in order to alleviate the dilemma of aging population and make up for the defect of long-term nursing insurance,this paper puts forward feasible countermeasures to strengthen the mutual insurance of long-term nursing.