Research On Artificial Intelligence Empowering Long-term Care Insurance

With the rapid economic take-off and the improvement of medical standards,the average life expectancy of Chinese residents has gradually increased,but the increase in average life expectancy does not mean an increase in healthy life expectancy.Most people will suffer from chronic diseases or become disabled when they are old.The proportion of people who cannot fully take care of themselves is increasing.How to provide long-term care for these residents has become a major problem that the society needs to face and solve.Faced with a huge gap in nursing demand,long-term care insurance has undoubtedly become a good medicine.However,the current long-term care market in my country has problems such as insufficient supply and low service quality.As an important aspect of insurance technology,artificial intelligence technology has a broad and profound impact on the insurance industry.That artificial intelligence technology empowers the development of all aspects of long-term care insurance can not only provide high-quality nursing services for the insured,especially the elderly,but also help insurance companies and nursing service institutions to rationally regulate and allocate human resources,to a certain extent alleviated the unbalanced development of domestic long-term care insurance,but it also presented new challenges to the insured,insurance companies and nursing institutions.Therefore,it is necessary to investigate and study what kind of services and improvement measures consumers of long-term care insurance need artificial intelligence to provide,which will help this technology be better applied to long-term care insurance.The main content of this article is how artificial intelligence affects and what measures are taken to better enable the development of long-term care insurance in this background.At present,artificial intelligence and long-term care insurance have a certain theoretical basis,but they are both in the stage of exploration and development.Therefore,it is necessary to study the needs of residents for the application of artificial intelligence technology in long-term care insurance.In this study,the questionnaires were distributed online,the results of the questionnaires were sorted and summarized,and the relevant factors affecting the residents' willingness to demand were analyzed by using statistical software,and the effect of artificial intelligence on the application of artificial intelligence in long-term care insurance was obtained,and the internal reasons were explored.Secondly,through the information collected by the questionnaire,the specific needs and expectations of the residents for artificial intelligence-enabled long-term care insurance are summarized.On the whole,residents accept and welcome the application of artificial intelligence technology in long-term care insurance.Then it expounds the practical experience of the United States and Japan in this regard,and found that they have vigorously promoted the application of artificial intelligence in long-term care insurance from policies,scientific research,and resource integration.Finally,combining the results collected by the questionnaire and the actual development situation at home and abroad,from the government level,the insurance level,and other levels,it puts forward relevant suggestions for the development of artificial intelligence technology to empower the development of long-term care insurance.