Project leader: Chen He Peking University School of Public Health

Start and end time of the project: May 31, 2018 - May 31, 2020

Project Description:

The purpose of this project is to systematically assess the financial balance of the long-term insurance financing mechanism and the financial responsibility of each fundraising entity for the 15 long-term insurance pilot cities designated by the Ministry of Human Resources and Social Security, and to improve the financing mechanism. Provide policy advice. Contains three specific goals:

 

Analyze the institutional characteristics of the long-term insurance financing mechanism and enhance the basic understanding of the sustainability of the financing mechanism.

Predict the risks and challenges of the long-term insurance financing mechanism and infer the development trend of the sustainability of the financing mechanism.

Put forward policy recommendations that are conducive to enhancing the sustainability of the long-term insurance financing mechanism, and pay close attention to the policy window to provide strong and empirical support for the preparation of the national long-term insurance system.

According to the research objectives, this project has designed three research contents: institutional evaluation, predictive evaluation and policy optimization research of the long-term insurance financing mechanism. The research contents and methods are as follows.

 

1. Institutional evaluation of the sustainability of the long-term insurance financing mechanism

 

This part aims to analyze the basic characteristics of China's pilot mayor's risk-raising mechanism, and to compare the domestic and foreign long-term insurance financing mechanisms. This will deepen the institutional research of the existing long-term insurance financing mechanism by estimating the scale of the system financing and the financial burden of each fund-raising entity system.

 

1 Analyze the basic institutional characteristics of the long-term insurance financing mechanism. This includes the financing characteristics of long-term insurance, such as the scope of participation, funding model, funding level, funding sources and responsibility sharing; in addition, in order to analyze the financial sustainability of the long-term insurance financing mechanism, we also need to understand The characteristics of the payment of insurance benefits, such as the application conditions for treatment, the scope of service coverage, the deductible line / capping line and the proportion of co-payment.

 

2 Discuss the sustainability of the pilot financing mechanism for pilot insurance from the institutional level. Estimate the scale of fundraising of the system and the institutional financial burden of each fundraising entity, that is, according to the scope of the scope of insurance, the level of financing, the financing responsibility of each entity, and the income level, and estimate the total size of the long-term insurance financing under the condition that the system is fully implemented. The scale of fundraising undertaken by each entity and its proportion; comparative analysis of the characteristics of the domestic and international long-term insurance financing mechanism; based on international experience, preliminary evaluation of the institutional advantages and risks of the pilot mayor's insurance financing mechanism.

 

2. Predictive assessment of sustainability of long-term insurance financing mechanisms

 

The macro-simulation forecast is used to assess the financial balance and fundraising burden of the fundraising mechanisms of the pilot mayors in the medium term (2018-2030) and long-term (2018-2050). This will fill the gap in the current lack of such research in the pilot city.

 

3. Policy optimization research on long-term insurance financing mechanism

 

Based on the results of 1-2 research, qualitative interviews and international experience, it proposes policy recommendations to strengthen the financial balance of the long-term insurance financing mechanism and the financial affordability of fundraising entities. This is conducive to enhancing the social value of the research on the long-term insurance financing mechanism.

 

1 Comprehensive analysis of the fundraising mechanism of the pilot mayor. Based on the above research content, systematically discuss the institutional characteristics of the pilot mayor's insurance financing mechanism and the risks and challenges that may be faced in the future.

 

2 Combine domestic and international experience to provide policy recommendations that are conducive to the sustainable development of long-term insurance financing mechanisms. By comparing and analyzing the evaluation results of the pilot mayor's insurance financing mechanism, drawing on the experience of the major long-term insurance countries and conducting qualitative interviews with government officials, experts and scholars, the model of long-term insurance financing mechanism worthy of promotion is selected and its promotion conditions are analyzed. And propose policy improvement recommendations for the long-term insurance pilot system with financing mechanism risks.