Exploring the sixth social security insurance, perfecting public security, and letting the elderly depend
Macro trend
It can not only provide better public security for an aging society, supplement the social service functions of social security, but also give birth to new market development space and form a blue ocean industry.
Recently, the National Medical Insurance Bureau and the Ministry of Finance issued the "Guiding Opinions on Expanding the Pilot Program of Long-term Care Insurance System", clearly expanding the pilot program of long-term care insurance.
According to the policy, the elderly who pass the assessment can receive 3 to 7 hours of service per week according to the level of disability.
For example, an elderly person participating in home medical 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 insurances for pension, medical care, work injury, unemployment, and maternity, the addition of a new social insurance-long-term care insurance is actually focusing on the development trend of Chinese society.
China is gradually entering an aging society. Data from the National Bureau of Statistics shows that in 2018, the proportion of the population aged 65 and over in my country reached 11.9%, and the proportion of the population aged 0-14 dropped to 16.9%, and the population aging continued to deepen.
It only took about 18 years for the age structure of my country's population to change from the adult type to the old type.
The arrival of an aging society will bring more medical and other public security demands.
Another set of data shows that the results of the fourth sample survey on the living conditions of the elderly in China's urban and rural areas show that there are more than 40 million disabled and semi-disabled elderly people in China, of which the severely disabled elderly account for a considerable proportion.
For this group of elderly people, more on-site services are needed, which is why the long-term care insurance system has accelerated the pilot program.
From the point of view of the value of insurance, insurance is not only a security system that gathers the power of everyone to serve the public. More importantly, insurance is an advance reserve for everyone’s future needs. It can also be designed to minimize individuals A heavy burden to bear due to accidents and other reasons.
The emergence of long-term care insurance will provide a better public security for an aging society.
On the one hand, for the disabled elderly, through long-term care insurance, they can get more thoughtful door-to-door services, improve their quality of life, and enable them to obtain the greatest degree of life independence and personal dignity.
On the other hand, it will ease the pressure on children to take care of, and at the same time will drive 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, so as to exchange services for remuneration and drive 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 for the elderly, it has formed another new growth pole for the aging service industry.
According to estimates, with 40 million disabled elderly as the base, according to the 3:1 nursing service configuration, more than 10 million nursing staff 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 market needs.
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 enterprises and capital investment; secondly, 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 organizations and personnel can be formed in high, middle and low levels, which will bring faster 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, supplement the social service functions of social security, but also spawn new market development space and form a blue ocean industry. 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 higher service standards and capital investment, which will give the long-term care industry more development opportunities .
□Bi Ge (financial commentator)