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Original Title: Exploring the 6th Social Security Insurance to Improve Public Safety So Seniors Can Trust
Macro trend
It can not only provide better public security for an aging society, complement the social service functions of social security, but also lead to a new market development space and form a blue ocean industry.
Recently, the National Health Insurance Office and the Ministry of Finance issued the “Guiding Opinions on Expanding the Long-Term Care Insurance System Pilot Program”, clearly expanding the long-term care insurance pilot program. Under the policy, seniors who pass the assessment can receive 3-7 hours of service per week depending on the level of disability. For example, an elderly person who participates in home health care for 5 hours a week costs 65 yuan an hour, and he only needs to pay 6.5 yuan, and the remaining 90% is paid by the long-term care insurance fund . In 2019, this service has benefited nearly 500,000 disabled elderly people.
In addition to the five social insurance for pension, medical care, work accident, unemployment and maternity, the incorporation of a new social insurance-long-term care insurance focuses on the development trend of Chinese society. China is gradually entering an aging society. Data from the National Bureau of Statistics show that in 2018, the proportion of the population aged 65 and over in China reached 11.9%, and the proportion of the population aged 0-14 fell to 16.9% , and the aging of the population continued to deepen. It only took around 18 years for the age structure of China’s population to change from the adult type to the old type.
The arrival of an aging society will bring more medical and public safety demands. Another dataset shows that the results of the fourth sample survey on the living conditions of older people in urban and rural areas of China show that there are more than 40 million disabled and semi-disabled older people in China, of which older people with severe disabilities represent a considerable proportion. For this group of seniors, more on-site services are needed, so the long-term care insurance system has accelerated the pilot program.
From an insurance value standpoint, insurance is not just a security system that brings together the power of all to serve the public. More importantly, insurance is an advance reservation for everyone’s future needs. It can also be designed to minimize people. A heavy load to bear due to accidents and other reasons.
The advent of long-term care insurance will provide greater public safety to an aging society. On the one hand, disabled elderly, through long-term care insurance, can obtain more thoughtful door-to-door services, improve their quality of life and allow them to obtain the highest degree of independence of life and personal dignity. On the other hand, it will relieve pressure on childcare and, at the same time, promote the construction of a corresponding market-oriented service system. For example, in response to this demand, more people will master relevant service skills through professional learning, to exchange services for pay and boost employment. The gradual expansion of the market will also attract more companies and capital to join, as in previous years. Like the construction of nursing homes in China, it has formed another new growth pole for the aging service industry.
According to estimates, with 40 million disabled elderly as a base, according to the 3: 1 nursing service configuration, more than 10 million nurses will be needed. According to statistics, there are only more than 10 colleges and universities in the country that have nursing care programs, which is difficult to meet the needs of the market. It can be expected that in the future, around long-term care insurance, there will be a corresponding training market first, and a large number of training institutions will appear, which is conducive to business and investment of capital; second, as more and more people see this profession. The addition of development opportunities will gradually promote the improvement of the level of nursing services. In the future, different levels of service standards and service and staff organizations may be formed at the high, middle and low levels, which will lead to more rapid development of the nursing industry.
As a result, the promotion of the sixth social security insurance can not only provide better public security for an aging society, complement the social service functions of social security, but also generate a new market development space and form an industry. of the blue ocean. With the development of China’s economy, With the increase in per capita income and more people gradually entering old age in the future, long-term care insurance can also increase the payment base simultaneously, which will bring standards higher service and capital investment, which will give the long-term care industry more development opportunities. .
□ Bi Ge (financial commentator)
