Research On The Influencing Factors Of Long-term Care Insurance Demand In Kunmin

According to the data of the 7th population census,it’s very clearer that the trend of ageing is accelerating.In the 14 th Five-Year Plan(2021-2025),the goverment has made strategic arrangements to deal with the Population Decline and Ageing,it mentioned the need to build and improve the long-term care insurance mechanism.In2016,the first batch of pilot long-term care insurance policies in 15 cities.long-term care insurance has been taken as an important measure to protect the basic life needs and improve the quality of life of the elderly,and has become one of the important measures to improve the basic medical security system in our country.Kunming,the capital of Yunnan Province,has seen a rapid population growth in the last 10 years,with the ageing rate becoming the highest.How to deal with the problem of aging,the problem of elderly care services has has been paid much attention.In 2020,Kunming became a new group of pilot cities for long-term care insurance,which will be implemented in the 2021,as a pilot city long-term care insurance mechanism to improve and promote the 14 th Five-Year Plan in Kunming,but the promotion of coverage is still limited.Based on an analysis of the current situation of the aging population and elderly care services in Kunming,this article explores the factors influencing long-term care insurance through a questionnaire survey among aged over 18 years old,and then put forward targeted policy recommendations.The questionnaire was designed by reviewing a large number of literature,summarizing the research on the influencing factors of long-term care insurance and understanding the pilot policies of long-term care insurance in Kunming.Based on the analysis,the authors hypothesized these factors: family,health,economic,security,and cognitive,they all have influence on the willingness of Kunming residents to participate in long-term care insurance,at the mean time,personal characteristics were taken into account to set up the questionnaire.After the questionnaire survey,through the SPSS use of binary Logistic model of the questionnaire data empirical analysis.The results showed that five factors had influence on the willingness of individuals to participate in long-term care insurance,education level and age also have influence on individual characteristics.Based on the results of empirical analysis,drawing on the research findings of some scholars and taking into account the actual situation in Kunming,from the perspective of government,insurance organizations and consumers,this paper puts forward six countermeasures and suggestions on the development of long-term care insurance in Kunming,including the promotion and popularization of long-term care insurance knowledge,the combination of home care and community care for the aged,and the innovation of commercial long-term care insurance products.