Financing Mechanism of Long-term Care Insurance:Comparison between China and Germany and Experience Reference——Based on the First Batch of 15 Pilot Cities
With the rapid aging process in China,elderly individuals may face the risk of disability as they age,which can impose tremendous caregiving pressure on families.Long-term care insurance serves as a crucial approach to addressing the caregiving needs of disabled elderly individuals and alleviating the finan-cial and caregiving burdens on families.This article compares China's long-term care insurance with Germany's from three perspectives:funding targets,funding channels,and the distribution of funding re-sponsibilities.Based on this comparison,suggestions are proposed,including expanding the scope of insur-ance participants to achieve wide coverage of the system,establishing commercial long-term care insurance to complement social insurance,creating a separate insurance category and an independent funding system,and broadening diversified funding channels to achieve balanced responsibilities.
long-term care insurancefinancing mechanismGermanyexperience reference
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