| At the end of June 2016,the Ministry of Human Resources and Social Security issued the “Guiding Opinions on Piloting the Long-Term Care Insurance System”.It is proposed to explore the establishment of a long-term care insurance system,focusing on compensating medical and nursing expenses closely related to basic life care and basic life of severely disabled persons.The Ministry of Human Resources and Social Security organized 15 cities including Qingdao and Chengdu to carry out pilot work on long-term care insurance system.The long-term care insurance has solved the problem of the security in old age,filled the gaps in China’s basic medical security system and the old-age security system,and greatly improved the social security level of the elderly.Based on the instructions in the “Guiding Opinions” on introducing commercial insurance companies to participate in management,Chengdu actively explored the operation mode of commercial insurance companies participating in the management of long-term care insurance,and commercial insurance companies have also responded to the call and assisted the government departments in the pilot work of long-term care insurance.Chengdu long-term care insurance adopts the operation mode of “separation of management and operation,cooperation between government and enterprise”.The government entrusts the operation of long-term care insurance to commercial insurance companies through open tendering.After more than one year’s operation,the pilot work of Chengdu’s long-term care insurance has achieved preliminary results.It has reduced the family affairs and economic burden of severely disabled people to some degree and improved the social security level.However,in the process of promoting the pilot work of long-term care insurance,there are a series of problems to be solved,especially the problem of long-term stable operation of the mode,which entrusting commercial insurance companies to handle long-term care insurance.These problems not only hinder the long-term operation of the mode,but also damage the lawful rights and interests of the government,insurance companies and insured personnel,and restrict the long-term sustainable development of long-term care insurance seriously.In summary,it is the key part of the continuous promotion of long-term care insurance pilot work to identify and use reasonable means to solve the problems and causes that affect the long-term operation of long-term care insurance entrusted insurance companies,and explore the long-term mechanism of long-term care insurance commissioned insurance companies in Chengdu.Based on the above objectives,the research content of this paper can be divided into three parts:The first part,the long-term care insurance entrusted the insurance company to handle the theoretical analysis,providing theoretical support for the entire paper.First,to define the key concepts such as the long-term care insurance system,the operational mechanism,and the long-term mechanism entrusted to handle the operation.Secondly,the theoretical explanations for the papers on public service outsourcing theory and welfare pluralism theory.Finally,to analyze the reasons that the long-term care insurance commissioned the insurance company for the operation.The second part is based on the current situation of the long-term care insurance operation in Chengdu,combined with the author’s in-depth understanding of the long-term care insurance management and the relevant internal information during the internship period.The paper from three aspects including the system content,business management,long-term care service supply and support to analyze and summarize the reasons for the long-term operational difficulties of long-term care insurance commissioned insurance companies in Chengdu.In the third part,basis on summarizing the experience and lessons of domestic commercial insurance companies participating in long-term care insurance and basic medical insurance management,the paper proposes countermeasures such as improving the long-term care insurance system,improving the service capacity and quality,and establishing a sound long-term care service system,to provide an effective path for the establishment of the long-term mechanism of long-term care insurance commissioned insurance companies in Chengdu,thereby promoting the steady development of long-term care insurance in Chengdu. |
