Research On The Development Of China’s Long-term Care Insurance In The Era Of Aging

Improving the long-term care insurance system is an important path to improve the multi-level social medical security system,a key means to actively respond to the challenge of population aging,and a major livelihood project to solve the contradiction between supply and demand of long-term care services.China has entered an aging society and a deep aging society in 2000 and 2022,and the aging trend is rising rapidly.In 2033,China will probably become a super aging society,the problems of getting old before getting rich and getting old without a caring have become increasingly prominent.At the same time,under the multi-background superposition of the post-epidemic era and the digitaleconomy era,and in the environment of coexistence of challenges and opportunities,how to complete the multi-level social medical security system,defend the achievements of poverty alleviation and support rural revitalization by developing the long-term care insurance system in China,so as to help the modernization construction,has become a hot topic to be studied urgently.This thesis inculcates the methods of literature analysis,comparative analysis,induction and deduction and so on,according to China’s national conditions and drawing lessons from international superior development models and experiences,researches the development present situation,challenges and opportunities of China’s long-term care insurance profoundly,and put forward policy suggestions from both political and commercial aspects in order to develop long-term care insurance through innovation,strive to realize the strategy of healthy China and the great mission of national rejuvenation.Firstly,this thesis explicates the research backdrop,objective,significance,method,framework and content,reviews the relevant research outcomes at home and abroad,and shows the innovation and deficiency of the research.It also clarifies the concepts and meanings of aging,long-term care insurance,and insurance technology,so as to give some theoretical foundation and writing basis to this research;Secondly,this paper discusses the development status and existing disadvantages of China’s long-term care insurance system in the era of aging from the aspects of policy contents,product types,payment forms,payment methods,responsibility scopes,etc.;Once again,based on aging process and technology empowerment tendency in China,this research reveals the great opportunities for the innovation and development of long-term care insurance system,and analyzes the challenges faced by the development of the system from government,insurance market and consumers;Finally,after summing up the development models and experiences of the U.S.A.,Germany and Japan,in view of the problems,advantages and disadvantages in the development of China’s long-term care insurance system,it offers propositons from the government side,such as strengthening the government-led and multi-participated long-term care insurance system,building a scientific supervision system,building a diversified financing pattern,improving the nursing service supply market,creating an efficient ecological chain of the medical care industry and so on.Then from the perspective of commercial insurance companies,some countermeasures and suggestions are put forward,such as giving full play to market functions to participate in system construction,building a one-stop health management platform,creating a cost monitoring system and so on.