The Research On Long-Term Care Insurance System In China From The Perspective Of Medical Care

In recent years,the problem of aging in China is getting more and more serious.As the elderly’s body function degrades,the probability of suffering from chronic diseases and other problems increases.All of these have caused difficulties for the elderly to maintain their lives,the need for long-term care in the elderly is increasing.All the same time,the overall welfare system for the elderly in China lagging behind,and the functional positioning of the government,society,individuals and families in the welfare of the elderly is blurred.On this basis,it is particularly urgent to build a nationally coordinated long-term care insurance.Based on the above background,this thesis analyzes China’s long-term care insurance system,and provides some ideas for the model selection and design of the long-term care insurance system.The research methods in this thesis include empirical research method,comparative research method and literature research method.The research content mainly includes the following four aspects:Substituting the concepts and theories related to long term care insurance,the practice of long-term care insurance systems in foreign developed countries,the long-term care insurance system in pilot cities in China under the integrated medical care service model,Model selection and system design of nursing insurance.This thesis compares and analyzes the United States with commercial long-term care insurance,Germany and Japan with social long-term care insurance systems,and concludes that in choosing long-term care insurance models in China,the social model should be the mainstay,and the commercial model should be supplemented by the commercial model.Long term care insurance system is in the pilot stage in China.This article compares the long-term care insurance systems in pilot cities in China under the medical-care-integrated old-age service model,and draws the preliminary results and shortcomings of the pilot cities.Comparative study of long-term care insurance systems in pilot cities in China which mainly includes coverage,disability assessment,coverage,and fund raising.When calculating the payment rate,this article calculates the payment rate of the national long-term care insurance based on the pay-as-you-go system,and calculates the proportion of individuals and businesses.It can not only alleviate the government’s financial burden,but also clarify the responsibilities of individuals,society and the government,gradually realize the sustainable development of long-term care insurance,and improve the integrated medical care and elderly care service system.