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The Premium Rate Research of Long-term Care Insurance

Author: ChenKen
Tutor: HeWenJiong
School: Zhejiang University
Course: Finance
Keywords: Long-term care insurance Benefit levels Longitudinal balance rates Financial burden
CLC: F842.69
Type: Master's thesis
Year: 2010
Downloads: 251
Quote: 2
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Abstract


With an aging population and smaller families , elderly care and become a social problem . Insurance mechanism to raise Care funds is an option in developed countries . Long-term care insurance in China , whether the implementation ? Key question is how the running costs of the insurance system . In recent years , China 's academia and industry have put forward recommendations to offer long-term care insurance , but existing research focused on a qualitative level , the lack of quantitative analysis , making it difficult to answer this problem in our ability to run long-term care insurance . This paper focuses on the long-term care insurance rates , trying to provide reference for the study of the running costs of long-term care insurance , the government 's fiscal responsibility and the feasibility of this system . This paper studies the experience of long-term care insurance system in Germany , Japan and other countries , and then combined with the cost of care data of demographic data and pension institutions , our care insurance benefits , benefit levels do in-depth analysis ; based on use life insurance actuarial techniques to establish the model of the the longitudinal equilibrium rate of sub - ages , followed by eight different programs based on the assumption of various parameters set , these programs were estimated insured the men and women of different ages equalizer fee rate level and rate estimates made ??; rate calculation results based on the further use of the Fund 's long - term balance of payments the actuarial model estimated the burden on individuals , institutions, government payment , and the analysis of the financial burden of long-term care insurance system based on the calculation results . The results showed that , in economically developed areas such as Shanghai , Hangzhou , the lighter the burden of long-term care insurance system rates is feasible to implement as well as the difficulty of this system , but in other areas of economic development is slow . Finally, long-term care insurance in the development of the country a number of policy recommendations , but also pointed out this article to be improved in terms of rate estimates .

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CLC: > Economic > Fiscal, monetary > Insurance > China's insurance industry > Various types of insurance
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