Research On The Development Of Disability Insurance In China

China is the country with the largest disabled population in the world with a total of more than 85 million disabled people,and the relatives of disabled people are as high as250 million people.Some studies show that the number of disabled people in China will show rapid growth in the coming period,and the current disability rate of our population will reach 11.31 percentage points in 2050,and the total number of disabled people in the country will reach 165 million,and the demand for protection and services for disabled people will also expand with the increase of their number.In addition,along with the general improvement of people’s living standards in China,people with disabilities and their families will have higher and higher expectations for living standards,from basic living security,integrated education,supported employment,and family support to long-term care,social integration,and quality of life.Under China’s socialist core value system,the development of the causes of persons with disabilities is an important component of the socialist cause with Chinese characteristics and an important aspect of building a moderately prosperous society in all aspects.Providing universal,basic and bottom-up livelihood services for people with disabilities and improving the comprehensive protection system for people with disabilities are not only an important part of China’s efforts to improve the national basic public service system and build a protection system to address relative poverty,but also an important measure for China to help consolidate the results of poverty eradication after the full completion of the poverty eradication campaign.Insurance,however,as an important tool to protect and improve people’s livelihood and assist in social management,has not achieved matching results while China’s disability cause has made great achievements.In the development of China’s insurance industry,insurance specifically designed for people with disabilities basically does not exist in practice,and there is a lack of systematic research on insurance for people with disabilities in theory.And society faces the problem that the amount of protection that social insurance can provide is not high,while the role of commercial insurance is very limited.Most of the products in the insurance market are passive,case-by-case and non-professional,their professionalism and relevance are not strong,and the protection is not sufficient.Therefore a more systematic study of disability insurance in China is necessary.The article uses literature research method,comparative analysis method and interview method to study the development of insurance for the disabled in China.The article firstly analyzes the basic situation of disabled people in China and the situation of disability social insurance and disability commercial insurance,and summarizes the problems in the process of development of disability insurance in China.Then,the article analyzed the development of disability insurance in the United States,Germany,Japan and Australia,and made a comparative analysis.Three conclusions are drawn to ensure the equality of rights and obligations,develop long-term care insurance and change the insurance protection model for the disabled,which are conducive to the development of disability insurance in China.Finally,the countermeasures and suggestions for promoting the development of insurance for the disabled in China are proposed from several angles:first,the government should establish and improve the disability social insurance as well as the disability commercial insurance system to solidify the foundation for the development of insurance for the disabled.Second,the level of assistance for the disabled should be improved to provide the most basic protection for the disabled.Third,various units should strengthen cooperation,build a data platform for the disabled,a social-business cooperation platform,and a comprehensive insurance service platform.Fourth,publicity should be increased so that people with disabilities have a correct understanding of insurance and the insurance industry has a correct understanding of people with disabilities.Fifth,exclusive insurance products for people with disabilities should be developed,and by improving the service process,strengthening the application of high technology,and customizing health management services,we can ensure that people with disabilities can enjoy high quality services in all aspects of insurance.