Study On The Implementing Effect And Optimization Strategies Of Long-term Care Insurance System From The Perspective Of The Insured

Objectives:Based on the perspective of the insured,to evaluate the status of the long-term care insurance(LTCI)operation,of which to know the degree of awareness,demand and utilization,satisfaction,policy etc.,through quantitative and qualitative methods,as well as to explore the factors influencing the degree of awareness and satisfaction of the insured,and then,put forward specific optimization strategies as references for the improvement of policies and facilitating the development of aging business in our country.Methods:In this paper,quantitative analysis and qualitative analysis were used.With policy study and literature review finished,the questionnaire was prepared for collecting related data of LTCI in Anqing,so as to understand the overall implementation.The method of stratified random sampling was adopted to select the individual participating in LTCI in the urban area of Anqing.Then field visits were conducted in each district and questionnaires designed by ourselves were issued.Epidata3.1 was used to establish the database and SPSS22.0 statistical software was used for data analysis.Qualitative research was performed on the basis of quantitative research.Objective sampling method was adopted to select disabled elderly people who enjoyed LTCI welfare in urban areas.And semi-structured interview was conducted through the prepared interview outline.The interview results were sorted out and analyzed by Nvivo11 software.Results: Quantitative results were shown as follows:(1)LTCI of Anqing has made some achievements,the fund runs well,and the number of beneficiaries has exceeded 400 people.(2)the overall awareness rate of LTCI was 54.31%.Univariate analysis indicated that significant difference between individual enjoying LTCI welfare or not among age,marriage,culture degree,occupation,monthly personal income,personal average monthly expenditure,number of children,health care spending accounts for household spending,care spending burdens and care services status(P < 0.05);The results of multivariate analysis showed that there were statistically significant differences among six factors,including education level,physical condition,proportion of care expenditure in household expenditure,care expenditure burden and the status of nursing services(P<0.05).The overall satisfaction rate was 86.16%.Univariate analysis showed that 8 demographic characteristics,including gender etc.,and 6 factors,including policy awareness etc.,had significantly related to the overall satisfaction rate(P<0.05).Multivariate analysis found that gender,marital status,physical status,knowledge of long term care,care expenditure as a burden of life and the status of nursing services were correlated with the overall satisfaction of insured people(P<0.05).Qualitative findings as follows: approaches of individual enjoying LTCI to access policy:read the news,the endowment institution suggestion,the community cadre propaganda and so on;Policy impact: reducing the family burden,improving the quality of life of disabled elderly,relieving the pressure of family care,and facilitating medical treatment;Problems found: high nursing costs,unscientific assessment criteria for disability,shortage of nursing home workers,unfriendly attitude of management staff,information gap between nursing home and hospital,etc.;Policy expectation: expanding insurance coverage,improving the capacity of hospital nursing service,developing various forms of treatment,increasing nursing service institutions,etc.Discussions and Suggestions :(1)According to the investigation,the present LTCI system has achieved some results,but there are still some problems and areas for improvement,such as the need to pay attention to the demand utilization of LTCI,the low evaluation on the design of the LTCI by the insured,and the improvement for awareness and satisfaction of the insured.(2)On the basis of the results and discussion of the research,we proposed as follows: Strengthen top-level design and improve the construction of LTCI system;Innovate the system propaganda,enhance the policy cognition of the insured;To improve the service level and accelerate the construction of supporting measures for the LTCI system;Deepen the connotation of service and strengthen the construction of nursing service team;Foster nursing market and improve nursing service supply capacity.