Till the New Year's Day in 2018,the pilot policies for long-term care insurance in 15 pilot cities across the country have been implemented. However,the domestic long-term care insurance has presented a situation of “distraction” in the pilot and academic research fields. The study of financial balance has the problem of insufficient grasp of the essential concepts. The analysis of the factors affecting financial balance found that the coverage,evaluation criteria,and guarantee treatment have the major effects on the financial operation of long-term care insurance. We should set the coverage group to be more than 16 years old to participate in the basic medical insurance population,build a comprehensive evaluation index combining physiological indicators and social indicators,and extend the protection standard to the field of life care and medical care,achieving 80% of the protection depth and cooperation to achieve the financial balance of the long-term care insurance system from the qualitative aspect.
Health Economics Research
long-term care insurance