| Long-term care insurance is a health insurance that provides the insured with care costs or nursing services that are closely related to basic living care when the insured loses his ability to take care of his daily life.With the deepening of the aging population in our country,the increasing number of people suffering from chronic diseases and disabilities,and the core of the family structure,how to establish a comprehensive longterm insurance system to protect the long-term care needs of the elderly when they become disabled becomes Problems to be solved.China’s current long-term insurance system consists of social and commercial long-term insurance,but the development of these two models in China is facing obvious difficulties.Against this background,the author proposes the introduction of mutual long-term insurance to supplement the existing system and accelerate the establishment of a multi-level long-term care security system in China.Mutual insurance originated from the early marine insurance,emphasizing the spirit of mutual assistance,and the organization’s operation is not for profit.The purpose is to maximize the protection of members’ interests.This is in line with the original concept of insurance,so long-term health insurance such as long-term insurance is very suitable It is carried out through mutual insurance,and China has also issued a number of documents to encourage various forms of mutual assistance and cooperation insurance.In fact,mutual insurance has long been practiced in many areas in China,such as China Fishery Mutual Insurance Association,Cixi Fulong Rural Insurance Mutual Cooperative,etc.Mutual insurance system was also piloted in Wuhou District,Chengdu in September 2017.The author is also inspired by this,and wants to study mutual long-term insurance to enrich China’s long-term insurance system and provide an alternative for residents with long-term insurance needs.Therefore,the research in this article has certain theoretical and practical significance.The first step of this article is to analyze the existing long-term insurance system,explain the main problems existing in the existing model,and explain why the introduction of mutual long-term insurance to complement the existing system.The second step is to study the characteristics,advantages,domestic policy environment,and domestic successful experience of mutual insurance,and combine the market demand analysis of mutual insurance in Hangzhou to show that mutual insurance is feasible.The third step is to design a specific operating model of mutual insurance from three aspects: model construction,premium determination,and insurance premium payment.In the determination of premium,the CHARLS data of 2013-2015 is used to establish a transition probability matrix for the health status of the elderly.Combined with the multistate Markov model,the pure insurance premiums were calculated.Finally,conclusions,suggestions and deficiencies and prospects are put forward.The main research methods used are questionnaire survey,literature analysis,comparative analysis,quantitative analysis and mathematical analysis.The research in this article mainly draws the following conclusions and results: first,China’s existing long-term insurance system can not meet the long-term care needs of the elderly well;second,it is feasible to develop mutual long-term insurance;Thirdly,a specific mutual insurance operation model was designed.Based on the 2013-2015 CHARLS data,the elderly health state transition probability matrix was established,and the multi-state Markov model was used to calculate the premium.The research in this paper mainly has the following innovations: The research on mutual insurance is relatively new in perspective,and it can enrich the research on mutual insurance.The second is to collect first-hand information by issuing a questionnaire in Hangzhou.The third is to build a specific mutual long-term insurance operation mode,which provides a new reference for the choice of long-term insurance mode in China. |
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