Research On The Development Of Long-term Nursing Insurance In China

With the advent of the aging era,and the simplification of family functions and the increasing medical burden of the elderly,more people pay attention to the care of the elderly.According to the "2018 National Statistical Yearbook" report,as of 2017,the number of people aged 65 and over in China has exceeded 150 million,almost 11% of China's total population.People's economic income is gradually increasing,and the standard of living is no longer limited to the "satisfaction level" but the pursuit of eating and drinking a good quality of life.The change is that the average life expectancy and the probability of suffering from serious illness are also rising.Therefore,the number of elderly people who have lost their self-care ability is gradually increasing.The construction of a long-term care insurance system is particularly important.In July 2016,the central government announced plans to conduct long-term care insurance pilots in 15 large and medium-sized cities across the country,including Shanghai,Beijing and Qingdao.Among them,Shanghai is the earliest city in China that is ageing and the highest rate of aging.The number of permanent residents who work in Shanghai has increased year by year,and the disabled elderly among these outsiders also need to take care of them.Therefore,it is necessary for Shanghai's long-term care insurance to be promoted on a large scale.The exploration of long-term care insurance in China started late,and there is a big gap between the theoretical and practical experience and the developed countries.Therefore,the theoretical significance of this paper is to analyze the long-term care insurance pilot in Shanghai as the starting point,and provide some ideas for the study of the construction of the national long-term care insurance system.The practical significance is to explore the development of long-term care insurance in China and stabilize the overall situation of society.This paper flexibly uses the literature analysis method,comparative analysis method and case analysis method to study and analyze the development of commercial long-term care insurance in China and the pilot status of social long-term care insurance.Firstly,the background of this paper is the expansion of China's aging and the disability of the semi-disabled elderly population.Then it introduces the research significance of this paper,expounds the research results of domestic and foreign literature,and carries outthe concept and classification of long-term care insurance.The definition is,and the research object of this paper is social long-term care insurance;then the Shanghai pilot is selected as the case study object,the two stages of the Shanghai pilot are summarized,and the Shanghai pilot case is analyzed,and the Shanghai pilot is summarized.Characteristics,necessity and advantages;Secondly,from Shanghai to the whole country,the current situation of China's long-term care insurance pilot is analyzed,and the problems of long-term care insurance in China are summarized.Finally,the long-term care of the United States,Japan and Germany is deeply understood.In the process of insurance development,and based on the reality of our country,we fully draw on the success of the development of long-term care insurance in the United States,Japan and Germany,and thus summarize some measures and suggestions for the improvement of China's long-term care insurance system.