Analysis on the Retirement Model of “Medical Combined with Nursing” for Commercial Insurance Companies to Cope with the Demographic Situation in China

Jin Zhang
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Abstract

China’s population is characterized by an aging problem and a widespread situation where elderly people live with illnesses, which leads to a constant increase in the demand for medical and nursing resources among the elderly. In 2014 September, National Development and Reform Commission jointly with the Ministry of Civil Affairs, the Ministry of Finance and nine other departments jointly issued the “Notice on Accelerating the Promotion of Health and Elderly Services Project Construction”, formally referred to the “medical combined with nursing” expression for the first time. Since then, various industries have been actively exploring the retirement model of “medical combined with nursing”, the insurance industry has also been actively participating in exploring the layout. The retirement model of “medical combined with nursing” can integrate medical and nursing resources to effectively address the reality of China’s demographic situation. In this context, this paper analyzes the participation of China’s commercial insurance companies in the retirement model of “medical combined with nursing” and puts forward optimization suggestions.
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商业保险公司应对中国人口状况的“医养结合”退休模式分析
中国人口老龄化问题突出,老年人患病现象普遍存在,老年人对医疗护理资源的需求不断增加。2014年9月,国家发展改革委联合民政部、财政部等九部门联合发布《关于加快推进健康养老服务项目建设的通知》,首次正式提及“医养结合”的表述。此后,各行各业都在积极探索“医养结合”的养老模式,保险业也在积极参与探索布局。“医养结合”的退休模式可以整合医疗和护理资源,有效应对中国人口现状的现实。在此背景下,本文分析了中国商业保险公司在“医养结合”养老模式中的参与情况,并提出了优化建议。
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