The Case Analysis Of Guangzhou Long-Term Care Insurance Fund Affordability

In 2016,China launched the pilot project of long-term care insurance system.Guangzhou is one of the first 15 pilot cities.With the aging of the population structure,the pressure on the expenditure of medical insurance funds has increased,and the sustainability of the financing methods for transferring long-term care insurance funds from the medical insurance fund is worth studying.This article takes Guangzhou as a case study object,through the analysis of policy texts,finds statistical yearbooks and survey reports,and calculates the fund's contribution population size,disability population size,care expenses and other data under the assumptions,and then estimates the fundraising scale.The scale of fund compensation is compared with the bearing capacity of Guangzhou Long-term Care Insurance Fund.In the case of employees covered by medical insurance contributions,the fund gap can reach 0.958 billion yuan in 2018,and the fund gap will reach 3.012 billion yuan in 2025.Covering the social medical insurance contributions,the fund gap in 2016 is 1.664 billion yuan,and the fund gap in 2025 It will reach 6.147 billion yuan.Furthermore,it is concluded that there is a large gap in the income and expenditure of the fund and its ability to withstand is weak.In response to this situation,this paper attempts to put forward three policy recommendations to strengthen the risk management of care services;broaden the source of financing,improve the standard and the level of overall planning can increase the income of the fund;and carry out health management can reduce the medical care expenditure from the source.