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江西省长期护理保险的发展机遇与挑战,保险硕士论文

本站2019-07-1870人围观
简介 Jiangxiprovincehasenteredtheagingtenyears,theagingproblemhasbecomeincreasinglyprominent,whichb

江西省长期护理保险的发展机遇与挑战,保险硕士论文

  Jiangxiprovincehasenteredtheagingtenyears,theagingproblemhasbecomeincreasinglyprominent,whichbringsnewchallengestogovernmentmanagement,socialsecurityandsocialstabilityHowtolettheelderlybetakencareofandhappy,needscientificresponse,overallarrangementUntiltheendof2015,thereare4,565,630,000residentsinJiangxiprovinceAmongthem,theproportionofthepopulationaged60andover,whois65yearsoldorabove,accountfor1388%and944%ofthetotalpopulation,nearlytwentypercentoftheelderlypeoplebelongtotheelderlywhohavelostenergyandneedtoreceivelong-termcareInreality,thecareoftheelderlyisgenerallyundertakenbythefamilyandmainlybytheirchildren  Theirchildrenshouldnotonlysupporttheirparents,butalsoraisetheirchildren,andtheyalsoassumethemainresponsibilitiesofthework,whichmakeslong-termcareproducealotofproblemsCoupledwiththedeclineofthephysicalfunctionoftheelderly,thecontinuousrisingofmedicalcostsandtheinsufficientprotectionoftheexistingsocialinsurance,itbringseconomicburdentofamiliesandbringsnegativeeffectstothesociety  ThisresearchreportisdividedintofourpartsFirst,thispaperintroducesthreebasictheoriesoflong-termcareinsurance,includingwelfarepluralismtheory,demographictransitiontheoryandalsoMaslowshierarchyofneedstheorySecondly,thereportintroducesthebasicsituationoflong-termcareinsuranceinJiangxiNext,itanalyzestheopportunitiesfacingthedevelopmentoflong-termcareinsuranceinJiangxiProvince,witharapidlyagingpopulation,emptynestfamilies,professionalcareandlackoffamilyeconomicburden,butalsopointedoutthatthedevelopmentofthisinsurancechallenge,boththelackofrelevantlawsandregulations,butalsotheproductpricingiscomplex,lackofresources,nursingconsumersdonotunderstandtheproblemThen,basedontheprovincialsituationofJiangxiprovince,thisreportsummarizestheexperienceandlessonsoflong-termcareinsuranceintheUS,JapanandQingdao,analyzethemandgetsomeenlightenmenttothedevelopmentoflong-termcareinsuranceinJiangxiProvinceFinally,basedontheproblemstalkedabove,thisreportproposedsomecountermeasuresandsuggestionsThecountermeasuresinclude:improvingtherelevantlawsandregulationsassoonaspossible;diversifyingthesourceoffunds;expandingtheinsurancecoverageofthepopulationfromurbanworkerstourbanresidentsandruralpopulation;combiningvariouspaymentmethodsincludingpaymentofcashandprovisionofcareservices  Atpresent,JiangxiisintheprocessofpopulationagingAsanimportantpartofsocialwelfare,long-termcareinsuranceshouldcatchupwiththepaceofJiangxisdevelopment,andgivefullplaytopromotingtheharmoniousdevelopmentofsocietyandprotectingtherightsandinterestsoftheelderly:Long-termCareInsurance;NursingforTheAged;Ageingofpopulation。