A Research Of Long-Term Care Insurance System From The Perspective Of Elderly Health Demand

Against the background of population ageing,the paper carrys out a comprehensive,systematic and in-depth study of China's elderly health and long-term care insurance system.It is aiming at putting forward the periodic development strategy of long-term care insurance system and the basic system frame in the transitional period which suitable for China's current social development,after understanding the health status and characteristics of the elderly population and the policy environment of long-term care in detail,and concluding the experience of some developed countries and the typical pilot areas in ChinaThis paper is divided into 8 chapters.Chapter 1 is the introduction,which briefly describes the research background,literature review,and summarizes the core content,the ideas and the structural arrangement of the paper,and some innovations and shortcomings.Chapter 2 is the theoretical basis and the main concept definition and theoretical discussion.First,from the perspective of macro social development and social policy,and individual differences,I combing some core theories,including the developmental social welfare,elderly health demand,social justice and heterogeneity,and then discuss the elderly health and the construction of long-term care insurance system.Second,I discuss the main concept definition,including the measure of elderly health and LTC and LTC insuranceChapter 1 and 2 systematically describe the theoretical basis,the core content and the research methods in this paper.And Chapter 3-8 will discuss the main content of the paper in a progressive way.Chapter 3 briefly introduces the current status and the problems of the elderly health in China.Chapter 4 is the empirical analysis,mainly using the macro statistical data and CHARLS micro survey data to analyze the elderly health and its influencing factors in China.There are 3 sections in this chapter.Section 1 introduces the empirical data sources and related variables,and focuses on the multidimensional index of the elderly health;section 2 focuses on the influencing factors of the elderly health,including model construction,analysis and discussion of the empirical results;section 3 is a major feature of this paper,which analyze the difference of the elderly health and its influencing factors by using newly developed Shapley value decomposition,and discuss the relationship between the difference of the elderly health and long-term care insurance at the end.Chapter 5-8 will be devoted to the long-term care insurance system.Chapter 5 is an analysis for the demand of long-term care insurance,including discussing the basic demand of long-term care insurance from the interest of the disabled elderly,medical insurance and basic medical institutions,and analyzing the influence mechanism of the demand of long-term care insurance from the perspective of institutional change.Chapter 6 summarizes the experience and deficiency of long-term care insurance system in Germany,Japan,South Korea and the United States.At the same time,taking into account the domestic actual situation,Chapter 7 analyze the experience of pilot areas such as Qingdao,Nantong and Beijing,and introduce some long-term care insurance products of some commercial insurance companies.And the last section in this chapter summarizes and comments for the above.Chapter 8,as part of the policy recommendations in this paper,puts forward the building steps,the basic institutional framework of the transition period for the construction of long-term care insurance system in our country and offer some security measures,based on the analysis and argumentation above.Through the above-mentioned research,the main conclusions of this paper are as follows:1.Population ageing will become the next global public health challenge,and the existing health system is difficult to effectively deal with.We need change the mind and action,and one of the important aspects is to accelerate the construction of long-term care insurance system.2.The elderly health is a complex,integrated system.There not only be different among the various dimensions,but also be not the same effect of the same influencing factor on the elderly health due to using different measuring indicators of health,such as education,living arrangements.The latter has a more obvious effect on the subjective well-being of the elderly.In addition,the subjective health indicators of the elderly such as depression,life satisfaction are better than the objective indicators of health such as ADLs and IADLs.When providing long-term care services for the elderly,spiritual consolation can not be ignored,and the elderly's spiritual and psychological satisfaction are often closely related to the family and children.Therefore,home care or family has an irreplaceable role,the long-term care system design can not be ignored family power.3.The disability of the elderly is becoming a severe social risk,and the care of the elderly is becoming a key social issue.The whole society should work together to deal with the challenge,and the government,communities,families,individuals should bear their corresponding responsibility4.The periodic development strategy of long-term care insurance system and the basic system frame in the transitional period in this paper will be a realistic and reasonable strategic choice and institutional arrangement for promoting the construction and implementation of the long-term care insurance system in China.