Research On Development Strategy Of The Elderly Long-Term Care Insurance In Hainan Province

Since China become an aging society,the advanced ageing,the family miniaturization,the empty nest and so on are becoming more and more aggravating,the problem of the care for disability and semi-disabled elderly is gradually changed from family problem to social problem.Hainan Province as a world-famous "longevity Island",the proportion of the oldest old is high,the phenomenon getting old before getting rich is serious,the problem of the care for disability and semi-disabled elderly is very serious.In order to resolve the individual risk and social risk caused by loss of self-reliance due to old age,it is necessary for Hainan Province to study and construct the Long-Term Care insurance system for the elderly so as to meet the needs of the elderly with disability and semi-disability.This article research the development strategy of the Long-Term Care insurance system for the elderly in Hainan Province by using the method of literature research,causality analysis,comparative analysis,quantitative and qualitative analysis.The research found that:As for world range,the demand for long-term care for the elderly make the developed countries face severe social and economic pressures.In order to resolve the social risks of aging,various countries have chosen long-term care insurance system for the elderly.Analysis of the development of long-term care insurance in Hainan province shows that with the deepening of aging in Hainan province,the number of disabled and semi-disabled elderly people is increasing,and the demand for long-term care for the elderly is in great demand.However,the high cost of long-term care,inadequate supply of service facilities,shortage of employees and poor quality of the staff leading to disability,semi-disabled elderly long-term care needs far from being met.The Government should attach importance to and solve these problems,and provide institutional guarantee for the long-term care needs of Hainan Province Elderly according to Hainan province conditions.In Hainan,currently,the research of related system is still in its infant stage,so it is urgent to analyze and summarize the domestic and foreign experience.First,Select Japan,Germany,United States as the analysis object,compare and summarized their similarities and differences in system background,model,payment mechanism(application conditions,evaluation mechanism,service type,payment method),financing mechanism,existing problems.On this basis,analyze the implementation of long-term care insurance system of Qingdao,the earliest city to explore long-term care insurance in China,from four aspects:system mode,payment mechanism,financing mechanism and existing problems.Analyze and compare the existing scheme in other pilot cities.Finally,Hainan province should consider the following problems in constructing the long-term care insurance system:first,Hainan should establish a sound leading construction,ensure the normal running of the system.Secondly,to formulate the implementation measures of long-term care insurance for the elderly;establish a compulsory social insurance system covering the working population over the age of 18;and establish a reasonable long-term financing mechanism and a scientific payment mechanism,which clearly stipulates the means of financing,the payment rate,the object of payment,the process for assessing the eligibility for payment,the standards for the classification of care,the payment method,and the payment standard.Third,establish a pilot working mechanism and select Haikou and Sanya,which has a large population density and a relatively developed economy as pilot cities,to accumulate experience for the development of Hainan provincial long-term care insurance systems.In addition,we need to improve related supporting systems,establish a mechanism to foster the market for long-term care services for the elderly,stimulate the vitality of the elderly care service market,and increase the supply of elderly care services.We will establish a talent training mechanism for the long-term care industry to improve the overall quality of the elderly long-term care service.