On February 21, the State Council issued the national plan for the development of the cause of aging and the elderly care service system during the 14th five year plan (hereinafter referred to as the plan), which defined the overall requirements, development objectives and work tasks during the 14th Five Year Plan period around promoting the coordinated development of the cause of aging and industry and promoting the high-quality development of the elderly care service system.
Blue whale insurance combs. The full text of the plan mentions the word "insurance" 36 times, which also puts forward the development direction and requirements for the development of the insurance industry during the 14th Five Year Plan period.
The plan proposes that during the 14th Five Year Plan period, we should adapt to China's economic and social development level and the trend of aging, build a policy framework for the long-term care insurance system, coordinate to promote the construction of the long-term care service system, and improve the long-term care insurance system; Promote and standardize the development of the third pillar endowment insurance; Support commercial insurance institutions to develop commercial endowment insurance and health insurance suitable for the elderly; Support insurance funds and increase investment in elderly care services. At the same time, guide commercial insurance institutions to accelerate the research and development of products suitable for diversified nursing needs such as home care, community care and institutional care, and actively respond to the pattern of population aging.
the demand structure of the elderly is changing from survival type to development type
From a macro perspective, the plan is issued to implement the national strategy of actively responding to population aging, promote the coordinated development of aging undertakings and industries, build and improve a comprehensive, inclusive and diversified elderly care service system, and constantly meet the growing needs of the elderly for multi-level and high-quality health elderly care.
During the 13th Five Year Plan period, China has made a series of new achievements in the development of the cause of aging and the construction of the elderly care service system, continuously strengthened diversified social security and continuously improved the elderly care service system. For example, the coverage of basic social insurance has been further expanded, and the pension benefits of enterprise retirees and the basic pension level of urban and rural residents have been improved. We steadily promoted the pilot work of long-term care insurance, defined two batches of 49 pilot cities, and explored the institutional framework, policy standards, operation mechanism, management methods and other aspects. Commercial endowment insurance and commercial health insurance have developed rapidly.
According to the data, during the 13th Five Year Plan period, the number of various pension service institutions (including pension institutions and community pension service institutions, the same below) and facilities in China increased from 116000 to 329000, and the number of beds increased from 6.727 million to 8.21 million.
However, China's elderly population is large, the aging rate is fast, the demand structure of the elderly is changing from survival to development, and there are still problems such as unbalanced and insufficient development of aging undertakings and elderly care services, which are mainly reflected in the low level of elderly care services in rural areas, the insufficient supply of home-based community elderly care and high-quality inclusive services, the shortage of professionals, especially nursing staff Scientific and technological innovation and product support need to be strengthened, and the coordinated development of cause industries needs to be improved. The importance and urgency of building an aging cause and elderly care service system suitable for the process of population aging have become increasingly prominent.
How to develop during the 14th Five Year Plan period? The plan has set goals, the institutional framework of the national strategy for actively responding to population aging has been basically established, the cause of aging and industry have been effectively coordinated and developed with high quality, the elderly care service system and health support system coordinated by home-based community institutions and combined with medical care and health care have been accelerated, and the pattern of actively responding to population aging in the whole society has initially taken shape. Reflected in the continuous expansion of the supply of elderly care services; The health support system for the elderly is more sound; Innovative and integrated development of multiple formats of services for the elderly; The ability of factor support has been continuously enhanced; The social environment is more suitable for the elderly and livable.
steadily establish a long-term care insurance system and improve the handling service system
In terms of the development of social insurance and commercial insurance, the plan makes it clear that to strengthen the social security and bottom-up pension service network and further improve the social security system, the first thing to bear the brunt is to improve the basic pension insurance and basic medical insurance system.
Including continuously expanding the coverage of basic old-age insurance. Relevant data show that China's basic endowment insurance coverage has exceeded 1 billion people. Realize the national overall planning of basic old-age insurance for enterprise employees as soon as possible. Implement a gradual extension of the legal retirement age. We will implement a reasonable adjustment mechanism for basic pensions and adjust the basic pension standards for urban and rural residents in a timely and appropriate manner. We will vigorously develop enterprise annuities and occupational annuities, increase the coverage of enterprise annuities, promote and standardize the development of the third pillar of old-age insurance, and promote the development of individual pensions. We will improve the basic medical insurance policy, gradually realize the direct settlement of outpatient expenses across provinces, expand the reimbursement scope of chronic disease drugs for the elderly, and include more chronic disease drugs in centralized procurement, so as to reduce the drug burden of the elderly.
Steadily establish a long-term care insurance system. With the accelerating aging of the population and the increasing number of disabled and semi disabled elderly, in order to solve the increasingly prominent problem of socialized medical care, Qingdao has taken the lead in exploring and establishing a long-term care insurance system in the country since 2012. At present, the long-term insurance system has been operating in China for 10 years, and insurance companies have accumulated relevant experience and continuously improved and upgraded.
The plan proposes that during the 14th Five Year Plan period, we should adapt to China's economic and social development level and the development trend of aging, build a policy framework for the long-term care insurance system, and jointly promote the construction of the long-term care service system. Starting from the insured population of basic medical insurance for employees, we will focus on solving the basic nursing security needs of severely disabled personnel. We will explore the establishment of a multi-channel financing mechanism of mutual assistance and shared responsibility. The financing of employees participating in long-term care insurance will mainly be paid by units and individuals, so as to form a dynamic financing adjustment mechanism suitable for economic and social development and security level. Establish a fair and appropriate treatment guarantee mechanism, and reasonably determine the treatment guarantee scope and fund payment level. Formulate a unified national disability rating standard for long-term care insurance, establish and improve the standard systems and management methods for long-term care insurance demand identification and rating, and clarify the basic guarantee items of long-term care insurance. Do a good job in linking up with policies such as subsidies for the elderly and disabled with economic difficulties and nursing subsidies for the severely disabled. Improve the long-term care insurance handling service system.
At the same time, we will expand the coverage of inclusive elderly care services and strengthen the ability of home-based community elderly care services. Improve the elderly health support system, develop elderly medical care, rehabilitation care and hospice care services, and further promote the combination of medical care and elderly care. By 2025, elderly care institutions will generally have the ability to combine medical care and elderly care (be able to provide medical and health services or sign contracts with medical and health institutions).
support commercial insurance institutions to develop "aging" insurance products
In addition, the plan proposes to vigorously develop the silver economy, plan and layout a number of key development areas of the silver economy, and plan and layout about 10 high-level silver economy industrial parks in Beijing, Tianjin and Hebei, the Yangtze River Delta, Guangdong, Hong Kong, Macao, Dawan District, Chengdu and Chongqing.
At the same time, we will develop inclusive financial services for the elderly in an orderly manner. We will promote and standardize the development of the third pillar of old-age insurance. Support commercial insurance institutions to develop commercial endowment insurance and health insurance suitable for the elderly, and guide the whole society to establish the insurance concept of the whole life cycle.
Insiders in the insurance industry pointed out that in the national strategy to actively respond to the aging population, the development of the third pillar endowment insurance plays an active role in increasing the accumulation of endowment assets, reducing residents' dependence on basic endowment insurance and further enriching the long-term capital sources in the capital market.
From the perspective of asset accumulation, young people should become the focus of the development of the third pillar of endowment insurance. Gradually enrich the asset scale of the third pillar endowment insurance through the participation of young people. From the source of the third pillar, the future will be realized mainly through the transformation of personal savings deposits, the reduction of real estate allocation, the transfer of the second pillar and the growth of residents' wealth.
On February 21, the China Banking and Insurance Regulatory Commission issued the notice on expanding the pilot scope of exclusive commercial old-age insurance, specifying that the pilot area of exclusive commercial old-age insurance will be expanded to the whole country from March 1, and allowing old-age insurance companies to participate in the pilot, so as to gradually promote and standardize the development of the third pillar old-age insurance, Better meet the people's multi-level old-age security needs.
At the same time, the plan also guides commercial insurance institutions to accelerate the research and development of products suitable for diversified nursing needs such as home care, community care and institutional care. Study and establish the conversion mechanism between life insurance compensation liability and nursing payment liability, and support the insured to obtain insurance benefits in advance in case of disability for nursing expenses.
Support the development of housing reverse mortgage endowment insurance business for the elderly. Actively promote accidental injury insurance for the elderly. Encourage financial institutions to develop pension financial products such as payment, savings, financial management, trust, insurance and public funds that meet the characteristics of the elderly, and study and improve supporting policies such as finance. Strengthen the risk management of the financial market involving the elderly, and prohibit financial institutions from misleading the elderly to carry out venture capital.
On the premise of legal compliance and controllable risk, prudently and orderly explore asset securitization in the field of elderly care services, support insurance funds to increase investment in elderly care services, and support insurance institutions to develop relevant liability insurance and insurance related to institutional operation.
