Research On The Integration Of Long-term Care Resources By Insurance Companies

The Third Plenary Session of the Eighteenth Central Committee of the Party proposed that the market play a decisive role in the allocation of resources and better play the role of the government.The role of the market and the government are complementary,mutually reinforcing,and complementary.In the field of long-term care insurance,as an important market force,insurance companies should play an important market role in the allocation of long-term care resources,but from a practical point of view,the role of insurance companies in the allocation of longterm care resources has not been fully exerted The regional distribution of long-term care resources is uneven,the efficiency of resource allocation is not high,and the fairness is poor.On the one hand,from the perspective of commercial long-term care insurance,the development of commercial long-term care insurance itself has been slow,and the guarantee of long-term care is reflected in the compensation provided by insurance companies for long-term care.Long-term care services have not yet been involved,so insurance companies have allocated long-term care resources.The role played is minimal;on the other hand,from the perspective of social long-term care insurance,most of the current social long-term care insurance in China is handled by insurance companies.The role of insurance companies is mostly reflected in the provision of policy advice,qualification verification,and cost review(preliminary review),Services such as fund settlement and appropriation,have not fully played their role in the allocation of long-term care resources.As the situation of China’s aging population becomes more and more serious,the society’s demand for long-term care resources is also increasing.Based on the background of insurance companies handling social long-term care insurance and insurance companies as an important force to play a role in the market,research insurance companies to integrate long-term care Resources are of great significance for the allocation and utilization of long-term care resources.In view of the large gaps in the practical field of the integration of long-term care resources by insurance companies,this paper first builds a theoretical framework for insurance companies to integrate long-term care resources,and theoretically explains how insurance companies should integrate long-term care resources.The theoretical framework includes four integration Process: long-term care resource identification,long-term care resource acquisition,long-term care resource allocation,long-term care resource utilization,combined with the case of insurance companies handling urban long-term care insurance,analyze the practice and existing problems of insurance companies integrating long-term care resources,Finally,four suggestions for promoting the integration of long-term care resources by insurance companies are put forward: improving the sensitivity of long-term care resource identification,enhancing the integrity of long-term care resource acquisition,optimizing the balance of long-term care resource allocation,and improving the efficiency of longterm care resource utilization.This article includes six chapters.The main contents and views of each chapter are as follows:Chapter One Introduction.This chapter first elaborates the background and significance of the integration of long-term care resources by insurance companies,then combs the domestic and foreign literature related to long-term care resources,then explains the research content and research methods of this article,and finally puts forward the structure of this study.The second chapter is concept definition and theoretical basis.Firstly,the important concepts involved in this article are defined: long-term care,long-term care insurance,long-term care resources;then the important theoretical foundations supporting the research of this article are proposed,including public service outsourcing theory,market allocation resource theory and resource integration theory.Chapter III,the motivation and environment for insurance companies to integrate long-term care resources.This chapter studies the integration of long-term care insurance resources by insurance companies in terms of power and environment.The driving forces for integration include: obtaining market competitive advantages,achieving breakthroughs in welfare goals,obtaining future intangible benefits,and maximizing the benefits of cooperation between entities;and finally analyzing the environment for integrating long-term care resources from the internal environment and the external environment.Chapter IV,the process of insurance companies integrating long-term care resources.This chapter first proposes a framework design for insurance companies to integrate long-term care resources,and then follows the integration process to study in detail how insurance companies integrate long-term care resources.The integration process includes long-term care resource identification,long-term care resource acquisition,long-term care resource allocation,and long-term care resource utilization.Chapter 5: Case analysis of insurance companies integrating long-term care resources—Taking Chengdu long-term care insurance as an example.This chapter first explains the reasons,models and work processes of insurance companies handling long-term care insurance in Chengdu;then uses the data from previous interviews and surveys to explain the practice of insurance companies integrating long-term care resources in long-term care insurance in Chengdu;reusing interviews The data and research data cooperate with Gini coefficient and other evaluation methods to analyze the inadequacies of insurance companies’ integration of longterm care resources,including: inadequate identification of long-term care resources,incomplete acquisition of long-term care resources,inadequate allocation of longterm care resources,and utilization of long-term care resources Four problems with low efficiency.Chapter 6: Proposals to promote insurance companies to integrate long-term care resources.According to the analysis of Chapter 5 on the current situation and problems of the integration of long-term care resources by insurance companies,from improving the sensitivity of long-term care resource identification,enhancing the integrity of long-term care resources,optimizing the balance of long-term care resources allocation,and improving the efficiency of long-term care resources Various aspects have proposed corresponding suggestions for insurance companies to integrate long-term care resources.The innovations of this article are:(1)It provides a new way of thinking for insurance companies to integrate longterm care resources,that is,from the process of resource integration-resource identification,resource acquisition,resource allocation,and resource utilization,study how insurance companies integrate long-term care resources,and A theoretical framework for integrating long-term care resources by insurance companies is proposed;the four processes of long-term care resource integration are interlocked and have strong meticulousness.And on the basis of establishing a theoretical framework,combined with insurance companies handling long-term care insurance practices,and then found that insurance companies have problems in integrating long-term care resources,and finally put forward suggestions to solve the problems.The combination of theoretical research and practical analysis has certain guiding significance for insurance companies to integrate long-term care resources.(2)The paper clearly points out that insurance companies lack the integration of resources for long-term care aids,which is not yet available in the literature on long-term care resources.The use of long-term care aids can not only improve the quality of care services received by disabled people,but also reduce the difficulty of care for caregivers.In addition,it can promote the development of the nursing industry through long-term care insurance and better realize the social functions of insurance companies.It is also proposed that insurance companies can use the external purchase of resources and the resource acquisition methods attracted by external resources to develop long-term nursing assistive equipment rental services,which are targeted and time-sensitive.The shortcomings of this article are: because the pilot period of long-term care insurance in Chengdu is only more than two years long,the relevant data on longterm care resources and the number of disabled people are too few,and the research that the author participates in is limited by time and manpower.The data obtained is not complete enough,so we can only use the existing data to spatially evaluate the fairness of the long-term care institution configuration.However,due to the lack of data such as bed utilization rate and annual service number,the analysis of the utilization efficiency of long-term care resources A theoretical method to evaluate the efficiency of long-term nursing resource utilization is proposed,and data and models cannot be used for empirical analysis.