On Development Models Of Long-Term Care Insurance In China

World Population Ageing has been of concern to the world today. To better solve it, countries are actively seeking countermeasures proposed recommendations accordingly, to develop the appropriate policies. At present, China’s aging, aging is increasingly grim.60 years of age or older population has reached 212 million, in our population, the elderly accounted for 15.5%. It is estimated that in the next 35 years, this proportion will gradually rise on about 22%, China’s aging population will become a big country.25% folder people in the world will be living in China. China ushered in the "old before getting rich. Our aging mainly has the following characteristics:fast growth, especially the elderly and disability proportion of older people grows faster; there are number of empty nest and the elderly living alone has increased each year and so on. As we all know, for over 65 years of age in terms of the elderly, with increasing age, state of health in general showed a downward trend, especially increase the risk of chronic diseases, capacity is limited, and the resulting care needs will continue to increase large, and higher costs of care, longer cycle. Long-term care insurance came into being, it sets long-term care services and to provide economic security as a whole.This paper discusses the current situation of long-term care insurance, analyzes and summarizes the specific issues currently facing our long-term care insurance, as well as from abroad is relatively mature model, it puts forward suggestions and countermeasures for China’s national conditions.Firstly, the research background, purpose and meaning, and summarizes the literature review of domestic and international long-term care insurance, research ideas and methods presented in this paper, while defining a long-term care insurance-related concepts, basic contents and characteristics.Secondly, expounded China’s long-term care insurance situation and existing problems. This paper focuses on the growing trend of population aging, "old before getting rich" more prominent, uneven development between regions, increasing miniaturization of the family structure, "Empty Nest Family" in large numbers, China’s per capita income can’t afford the rising cost of care and other aspect, described the current situation to carry out our long-term care insurance. Still impassable from the insured awareness and revenue laws, regulations and policies is still not perfect, the insurance company problems in nursing care facilities and the lack of analysis and other aspects of the practical problems faced insurance.Thirdly, a comparative analysis of foreign long-term care insurance system and the corresponding case, learn their successful experience. Long-term care insurance in Japan, the United States, Germany developed the basic premise of the three, is also rooted in the increasingly serious aging population, aging population prevalence of basic life difficult, you can’t pay the high cost of nursing homes or hospitals. China is also is in the background of an aging population, the need to establish positive long-term care insurance mode to protect the elderly population in later life, learn from Japan, Germany and the United States advanced by selective experience, proposed the establishment of China’s national conditions suitable for the development of long-term care insurance mode is imperative.Finally, to our existing long-term care model as an example, we discuss the development of our long-term care insurance model. Lack of long-term care insurance for the existence of the policy and put forward the corresponding recommendations. Population aging is an inevitable trend of social development, it would be China’s economic development has brought great challenges and pressure. Our structure should be based on its own national conditions care insurance, determine its basic philosophy of the legal system of the basic principles of fairness, and of economic development, and only do a good job on the basis of these, we may propose viable development model.