The China Insurance Industry Association and Swiss Reinsurance Research Institute jointly issued a report on Friday (September 9th) that with the trend of the Chinese population structure and the improvement of residents' living standards, it is expected that long -term care services will be demand for long -term care services.In 2030, it reached 3.1 trillion yuan (RMB, the same below, about 1.63 trillion yuan), and reached nearly 6.6 trillion yuan in 2040, which was equivalent to 5 times the current level.
According to the surging news report, the development opportunity of China's commercial nursing insurance -the research report of long -term care service guarantee in urban areas in China pointed out that one of the key challenges of long -term nursing service guarantee is the long -term nursing needs and available elderly people who have disabled elderly people.The gap between acquisition funds has continued to rise.
The report shows that in 2021, the long -term nursing service guarantee gap in urban areas in China was approximately 921.7 billion yuan, which was about 65%of the demand for long -term nursing services.From the perspective of the funding structure, family expenditures are the main sources of nursing service expenses that are currently disabled, accounting for 96%of all available funds; social security chiefs account for about 3%of available funds.
The report states that with the trend of the population structure of China and the improvement of residential living standards, it is expected that long -term care service demand will reach 3.1 trillion yuan in 2030 and reach nearly 6.6 trillion in 2040Yuan is about 5 times the current level.Under the benchmark hypothesis, the continuous development of social security chiefs will slowly improve the level of nursing service guarantee, and the overall guarantee of disabled elderly people will increase from the current 35%to 42%in 2040; the long -term care service guarantee gap will be in 2030 andIn 2040, it reached 1.9 trillion yuan and 3.8 trillion yuan, respectively.
At the same time, scenario analysis finds that if the social security chief has developed rapidly, it will help improve the overall nursing service guarantee.Nevertheless, the disabled family will still face severe financial pressure and lack of guarantee.Therefore, improving the long -term care service guarantee of the whole society is a severe and arduous challenge.All parties in the society need to form a joint force and explore the establishment of a long -term care solution with a multi -party responsibility and a sustainable and sustainable.
The report believes that international experience shows that the coordinated development of social nursing insurance and commercial insurance is the development direction of improving the overall protection level.In the future, in order to cope with the challenges such as acceleration of the aging process of China's population and changes in family structure, and to alleviate the pressure of the social security fund, commercial nursing insurance can strengthen the disability risk protection of the elderly, improve service levels, meet the multiple levels of the people's multiple levels of diversificationServices and demand play a more important role and usher in greater development opportunities.
The report also puts forward suggestions on promoting the development of commercial nursing insurance and improving nursing service guarantee.In terms of the top -level system, it is recommended to clarify the market positioning of commercial nursing insurance in long -term nursing insurance mechanisms and promote the establishment of a multi -level nursing guarantee system.In terms of industry development environment, it is recommended to accelerate the improvement of industry infrastructure construction, strengthen research on the demand for elderly care services, and establish and improve the industry database, standardize nursing service standards and rating systems.In terms of insurance security capacity building, it is recommended to accelerate the exploration of hybrid guarantee products, use scientific and technological means and Internet channels to promote the integration and development of the guarantee product and care of the health care service industry, actively explore insurance products and business innovation, continuously improve and improve the supply insurance supply supply method, Promote the accelerated development of commercial insurance models.In terms of service capabilities, it is recommended to establish a service system with the health of the elderly as the core to reduce the risk of disability through active prevention and health management methods and reduce the cost of nursing service.
