Research On My Country's Long-term Care Compulsory Liability Insurance System

In the modern era of rapid industrialization and urbanization,long-term care has become a typical and representative term,closely related to pension and medical services in various countries.At present there have been many countries in the world established a relatively perfect long-term care service system,such as Germany and Japan,as a typical social long-term care,long-term care insurance as a kind of compulsory insurance into the citizen's social security system,and establish the special legal norms and corresponding supporting scheme.However,in China,where people's livelihood problems such as aging population and imperfect social security exist for a long time,the long-term care system is related to national welfare,people's welfare and social development.It is closely related to China's old-age care and medical services,but there are differences.China should formulate its own long-term care insurance system according to its actual situation and learn from relevant foreign experience,and introduce relevant laws and regulations to guarantee the implementation of this system.These actions will become an important guarantee to improve people's happiness.With the establishment and improvement of the socialist market economy system,China has gradually established a market economy system.To adapt to the basic framework of the social security system in which the central and local governments are responsible at different levels.With the prominent aging of the population,people's urgent desire for a better life,and the increasing demand for long-term care,the construction of long-term care insurance legal system should also be gradually put on the agenda.In 2016,the ministry of human resources and social security proposed to pilot the long-term care insurance system in 15 cities.This paper firstly took Shanghai and Qingdao as the research objects and summarized the pilot experience and found the existing problems by implementing different policies on the long-term care insurance system in the two cities.Then by drawing lessons from France,Japan,Israel and Germany on the development of long-term care insurance law experience,continue to improve our long-term care insurance system.Secondly,this paper defines long-term care insurance as compulsory liability insurance.By analyzing the good prospect of liability insurance in China,and comparing it with the existing compulsory liability insurance,it further clarifies the feasibility of compulsory liability insurance system for long-term care,such as compulsory traffic insurance.Finally,by studying the subject,object,financing mode and payment mode of the compulsory liability insurance for long-term care,the author puts forward Suggestions for the improvement of the legal system of the compulsory liability insurance for long-term care in China.