Research On Demand And Supply Of The Older Long-term Care Insurance

From all over the world, all countries are faced with the pressures of endowment andmedical care caused by the aging of population, which has an important impact on thenational economy and social development. To meet the increasing request of the long-termcare for the elderly, many countries have established long-term care insurance system. Withthe development of science and society, life span of human beings has been prolonging, whichhas sharply increased the possibility of diseases in the elderly and care services. However thelong-term care for the elderly has not been established. The long-term care for the elderly inour country especially for disabled elderly and the very elderly needs to be paid moreattention to and solved by the relevant government department urgently. Long-term careinsurance for seniors imminent.The objective of this paper is to research the request of long-term care insurance and itssupply and demand. Choosing Shijiazhuang as the sample place, the detailed content ofdissertation is as following: First, some relevant concepts were defined: the keystone was thedefinition of long-term care, long-term care insurance for the elderly and the supply anddemand of long-term care insurance for the elderly. Second, taking Shijiazhuang as anexample, the request of long-term care insurance for the elderly was studied. Firstly, itdemonstrated the necessity of the establishment of long-term care insurance for the elderly bydescribing the present status. Secondly, a survey through questionnaires was administered toinvestigate the demand content and the intention in order to provide the theories basis. Third,the subject who pay for long-term care insurance was explored. The government, enterprisesand individuals were all likely to act as the subject. By establishing a simple statistical model,an analysis was put forward to research the financial ability of the government, the paymentcapacity of enterprises and the personal payment ability to determine the subject paying forlong-term care insurance. Fourth, some countermeasure suggestions to long-term careinsurance for the elderly were given for the demand and supply.According to the questionnaire done in Shijiazhuang, it was found that the demand for care insurance for the elderly was great. People hope the government can establish along-term care insurance system for the elderly which has a wide coverage and various waysof supply. The affordability of the government, enterprises and individuals was analyzed bythe scientific empirical analysis method in the fourth chapter. The result showed that theenterprise was not the best subject paying for long-term care insurance compared with thegovernment and the individual. In the combination with the analysis of supply and demandthis paper proposed an outline on the establishment of long-term care insurance for the elderly,and put forward some policy suggestions for the development of the insurance system forreference simultaneously.