Research On Long-term Care Insurance Model For Disabled Elderly

In the context of aging population,in order to solve the problem of long-term care for disabled persons,China has launched long-term care insurance system pilot.The beneficial exploration of long-term care insurance in the first batch of pilot cities in three years has achieved good results.However,it is also faced with the challenge of choosing which long-term care insurance model to promote the operation of long-term care insurance.Expanding the trials of the long-term care insurance system,solving the social problem of long-term care for disabled elderly people in our country,these depend on the better choice of the long-term care insurance model for the disabled elderly.Hence,the long-term care insurance model of the disabled elderly is studied in this paper.By using the literature research method,this paper combs the development process of China’s long-term care insurance,the content of pilot policies introduced by the existing pilot cities,the German and Japanese long-term care insurance models and the content of alternative long-term care insurance models for disabled elderly people.By using comparative analysis method,this paper compares different long-term care insurance models,analyzing the unique advantages of embedded medical insurance long-term care insurance model and the experience worth learning from the operation model of German and Japanese long-term care insurance.By using the method of investigation and research,the pilot practice of long-term care insurance in Chengdu was investigated on the spot.This paper combines the specific operation experience of Chengdu to obtain the current situation and experience of the pilot in China,pointing out that the embedded medical insurance model used in Chengdu is more universal.By applying welfare pluralism theory and life cycle theory of savings to the theoretical analysis,this paper puts forward that embedded medical insurance is the model choice of long-term care insurance for disabled elderly people in China.Finally,based on the above pilot practice and model comparison,the basic framework of the embedded medical insurance-type long-term care insurance model is constructed,the development of the embedded medical insurance model is analyzed from three aspects: feasibility,development strategy and problems that should be paid attention to during operation.