Study on the Dilemma of Implementing Rural LTC Insurance and the Implementation Path

Abstract

Against the backdrop of China's ageing situation and the rising number of disabled persons, the Ministry of Human Resources and Social Security started to promote the construction of long-term care insurance in 2016. Compared to the mature LTC insurance models in developed Western countries, there are still many problems in the process of promoting LTC insurance in China due to the short duration of the pilot. This paper presents a synthesis of the dilemmas observed by different scholars in the process of promoting LTC insurance, and summarises the solutions and concrete implementation paths proposed by other scholars in response to these dilemmas. It can be found through the study that the lack of policies and laws, backward physical conditions and the difficulty in changing attitudes are the main reasons why it is difficult to promote LTC insurance in rural areas. Different scholars have accordingly put forward suggestions such as extending funding channels, strengthening the training of talents and creating a perfect care model.