Research On The Long-term Care Insurance Premium Rate In China

Since the 1970s,foreign countries have established long-term care insurance system one after another,and achieved considerable results.China has also had explorations not only in the commercial long-term care insurance,but also in the field of social long-term care insurance.To establish a unified long-term care system in China as soon as possible,we have to summary and absorb the experience and lessons in the existing cases.The establishment of long-term care insurance system is an important measure to deal with the aging of the population.It can not only meet the long-term care service needs of the elderly,improve the living guarantee of the elderly,but also enable the young people to devote themselves to the work,promote the employment and the development of aging care industry,as well as promote the economic and social development.In December 2015,the Central Economic Work Conference made it clear that "to reduce the social insurance premiums,research and streamlining the ' five social insurance and one housing fund'." However,China has a high" five social insurance and one housing fund "rate and heavy burden of corporate social insurance payments;manufacturing enterprises are facing enormous challenges to reduce the costs of production and operation.To establish a compulsory long-term care insurance system with the social insurance system as the main framework,it is necessary to take the moderate rate of commitment of enterprises and employees into account.Based on the existing data and methods to simulate a comprehensive long-term care insurance system,and on this basis,long-term care insurance rate estimates,this long-term care insurance financial feasibility study will provide important references and reasons for China's long-term care insurance system establishment.On the basis of defining the concept of disability,the contents and features of long-term care service and the emergence and development of long-term care insurance,this paper makes a comparative analysis of long-term nursing insurance system in typical countries abroad and draws lessons from them.It summarizes three typical long-term care insurance model characteristics,including the long-term nursing allowance model,social long-term care insurance model and commercial long-term care insurance model,and their applicability in China was analyzed,and then this paper makes a reasonable idea on the construction of social long-term care insurance system in China.In order to forecast the overall rate of long-term care insurance in China,the article establishes the financial balance model of long-term care insurance,which is based on the actuarial balance model of the individual life cycle.Based on the basic population forecasting model,the relationship between the population model and the number of long-term care needs is established through the incidence of long-term care risk,and the relationship between the total cost of long-term care and the number of people needs is established through the long-term care service fee standard of Qingdao.Then assuming the payment of different groups of people in the case,according to the current payment system is to pay the horizontal balance model of China from 2010 to 2060 long-term care insurance the general level of the general rate of payment.Finally,from the five factors such as the factors of disability rate,the difference of urban and rural disability rate,the disability rate difference of different age and sex population,and the macroscopic data of population and other simplification,this paper analyzes the factors that may cause the result error,It is pointed out that the establishment of long-term care insurance system in China needs to clarify the boundaries of long-term nursing insurance and basic medical insurance,and it is necessary to form a unified disability degree appraisal and nursing grade evaluation standard,and need to establish a strong information network system.