| The demand for long term care will be increased with the depth of the development of population aging. In the current supply of long term care service model, long term care insurance should be the measure of financing services for the long term care, but the actual situation is different. So, this paper will present the factors that make effective demand and potential demand differences in the long term care insurance, which provide support to enhance the realistic demand. This paper uses the city of depth aging--Shanghai as an example, and the use of questionnaires show the effective demand and potential demand of long-term care insurance. Analyze the key factors of insufficient demand among purchase intention, purchase ability and demand for nursing care from relevance perspectives. And research how to improve effective demand of the long term care insurance from three aspects that are stimulating de mand, improving products, creating the environment.Under the background of aging population, the probability of the elderly people suffering from various diseases is greatly increased, so the demand for long-term care becomes more and more urgent. However formal long-term care costs and the cost is very high, so general family will choose family nursing, but, unlike foreign home care, domestic home care is generally provided by family members, such as children or spouse. Although it can reduce the cost of regular nursing, but also can reduce the long-term care of the elderly in the reduction of family labor. Long term care insurance is designed to solve this contradiction, can reduce the cost of nursing, but also can improve the long-term care of the elderly. And C hina’s long-term care insurance market is very small, very few. Because Shanghai is the economy of our country, the level of economy and civilization are close to the level of developed countries, and the aging population is serious, so this paper will draw lessons from foreign experience and empirical analysis to develop the long-term care insurance market in Shanghai, in order to better cope with the aging population in Shanghai.This article analyzes the development trend of long-term care insurance in China and the existing management program, found that the domestic health insurance is basically a kind of additional risks, not really old long-term care insurance. In this paper, we use the logistic model to study the long-term care needs of the S hanghai team, the consumer purchase intention, the consumer purchasing power, consumer demand for empirical analysis, the Shanghai team has a large potential demand for long-term care insurance, the actual demand because of various reasons has become very smal.On the basis of the analysis of the developed countries in the long-term care management program, the United States and Japan as the representative of the United States, the United States and Japan, the elderly care market is the commercial market, Japan’s elderly care insurance is under the age of the population’s rapid aging of social insurance. Finally, this paper analyzes the bottleneck and obstacles of development of the elderly long-term care insurance in Shanghai, and puts forward a plan for the development of long-term care in Shanghai. |
