Analysis Of The Main Influencing Factors Of Malfunctional Population Care Services Based On Health Insurance Perspective

With the continuous improvement of my country’s medical and technological level and the rapid growth of life expectancy,the scale of the elderly disabled population and the care of disabled population have become a hot issue of social concern.In 2018,Tsinghua University and the China Center for Aging Research jointly released the"Report on the Development of Livable Environment for the Elderly in China" The report clearly pointed out that the current disabled population in my country has exceeded 40 million and will increase dramatically in the next three decades.In the face of my country’s unique national conditions,the Party put forward the concept of support for the weak in the report of the 19th National Congress of the Communist Party of China,requiring the basic livelihood of the people in need to be guaranteed,and a multilevel social security system covering the whole people,urban and rural areas,clear rights and responsibilities,appropriate protection,and sustainable.Suring the longterm care needs of disabled elderly people and building a multi-level social security system are important requirements for a comprehensive decisive victory in a well-off society,and also an important requirement for Xi Jinping’s thoughts on socialism with Chinese characteristics in the new era.Since entering the 21st century,my country has vigorously developed the basic medical insurance system and established a variety of pension systems,but the longterm care industry and the long-term care insurance system are progressing slowly,and it is difficult to meet the fast-growing demand for long-term care services in my country.Based on the explosive growth in the number of disabled elderly people in my country in the next few decades and the resulting care problems,my country must coordinate the development of the long-term care industry and the long-term care insurance system as soon as possible,realize the national coordination of my country’s endowment insurance,and further enhance the sense of happiness of public participation.This article first analyzes the foreign long-term care insurance system and the pilot status of China’s long-term care insurance,and puts forward the problems faced by China’s long-term care service industry and the development of social long-term care insurance,and then estimates the disabled population of all age groups in China from 2020 to 2100.The scale and the rate of change in the size of the disabled population,predict China’s long-term care service demand in the next few decades,and combine theoretical and empirical analysis to study the impact of various factors such as health insurance ownership and residential mode on China’s long-term care service demand.Therefore,it provides suggestions for the development of China’s long-term care insurance and the construction of a multi-level old-age service system.The article data mainly comes from the 2013-2015 China Health and Pension Tracking Survey database.The questionnaire tracked and investigated the personal information of the health,medical care,employment,income and insurance of the population over the age of 45 in my country.The article uses a Logistic measurement model to analyze the impact of the disabled population’s health insurance participation,family income,living conditions and other factors on the demand for long-term care services,and regresses urban and rural data to observe the difference in long-term care service demand caused by the uneven development of urban and rural areas in China.The analysis results show that the analysis results show that:（1）The ownership of health insurance has a significant impact on the demand for long-term care services,and groups with a larger number of health insurance have more demand for long-term care services;（2）With the increase in income,people Satisfaction with the existing long-term care service needs has increased;（3）Gender and the living conditions of disabled elderly are closely related to the needs of long-term care services,which will cause big differences between different groups（4）Various factors between urban and rural areas There are obvious differences in the degree of impact of the disease,and the uneven development of urban and rural areas leads to different needs for long-term care services.After obtaining the above results,it is recommended that my country should promote the construction of a long-term care security system in stages and regions in a long-term,prioritize the establishment of a long-term care assistance system,and explore the long-term care insurance system in areas where conditions permit,and vigorously develop the long-term care welfare system after the current two systems are mature and finalized.,And then form a multi-level long-term care security system.At the same time,through commercial insurance to supplement the social insurance model,promote the integration of medical care and the reform of my country’s elderly care institutions,strengthen the construction of the elderly medical and health service talent team,vigorously develop the healthy elderly care industry,and accelerate the construction of my country’s multi-level elderly care service system.