The Research Of Chinese Long-term Care Insurance

According to United Nations statistical indicators provides that, in a country or region, the population over the age of 60 to 10%of the total population, or the population over the age of 65 accounted for 7%of the total population, it is called an aging population. Today, aging of the population has gradually become a global issue, both developed and developing countries, their economic and social development have been subject to varying degrees of population aging effects.According to statistics, China's aging society since 1999, as of the end of 2008, the country people over the age of 60 has reached 1.5989 million, accounting for 12%of the total population. China is the world's most populous country, its declining fertility rate and average life expectancy due to joint action to extend the aging of the population would be more serious than in other countries. At the same time, due to China's economy is still at the level of the developing countries, while population aging process has reached the level of developed countries. Looking at China's aging population trends, the current aging population is in the case of an underdeveloped economy ahead of the arrival of,With the pace of economic development is not synchronized, there is a larger deviation. If not handled properly, will not only result in the family's economic crisis may also cause businesses to lose morale, and even spread to the entire national policy formulation, and give us at the primary stage of socialism brought about a serious negative effects.The elderly care is an issue is accompanied by a country's economic development, social progress, sustained growth in average life expectancy of elderly people emerged, and it is first produced in the Western developed capitalist countries. However, since the late 20th century, since the issue of elderly care in the world has gradually become a major issue in many countries have attracted much attention. According to the National Bureau of Statistics data show that in 2002 the average life expectancy of our population is 70.7 years old, "World Health Report 2006," show "the average life expectancy of our population is 70 years for men and women 74 years old, the average life expectancy 72 years,". Although the average life expectancy of older persons, andHowever, the health status of the elderly population in China is not optimistic, most of the elderly were spent in unhealthy conditions, and require different levels of care. But now middle-aged man is to take care of the elderly, but also the state of child care were at the same time, they bear the pressure from work. Thus, all this makes the middle-aged man felt inadequate care for the elderly. Moreover, the professional nursing homes, elderly apartments and other facilities inadequate, incomplete services, making today's elderly care are inadequate safeguards. As the elderly increase in the elderly population and the average life expectancy increases, older persons in need of careMouth more and more in need of care cycle is getting longer and longer, coupled with the rising costs of elderly long-term care, and social health insurance, inadequate protection for the elderly and other issues, it is necessary to establish a pressure for their children to share the long-term care services for the elderly and for this service to provide financial protection for the elderly health insurance products-long-term care insurance. Develop long-term care insurance not only to adapt to China's aging status quo and solve their old age problems, and can reduce the burden on young people to make young people more time and energy to develop their own businesses, but also lead China economic development.Although, with the rapid development of China's pension services, elderly care have gradually been seriously been incorporated into the pension career development focus. However, due to late start of China's aged care industry, old-age health care system is far from perfect, has yet to establish a scientific and comprehensive care for the old system, there is no dedicated budget to support the aged care system. Aged Care Security vacancies still exist in the system. Based on the above analysis, an aging population and the implementation of long-term care insurance is an important issue facing our country at this stage, but the system of nursing vacancies still exist in the field of insurance. Therefore, the issue of older care and to provide economic security care insurance research will be of great practical and theoretical significance of the important subject. The purpose of this paper is through to domestic demand and care for the elderly in developed countries-the United States, Japan, and Germany's successful experience in long-term care insurance analysis,Combined with China's current process, the characteristics of aging in China make the need for long-term care insurance, and the experiences of developed countries with Chinese characteristics and.develop long-term care insurance model and a complete vision care system so that the pressure on the face of population aging China's Social Security system has a certain degree of enlightenment, and make it a certain degree of theoretical and practical significance.