International comparison of mature old health insurance model can generally be divided into two kinds: the United States on behalf of the business model and to Germany and Japan as the representative of the social insurance model. In the United States, by commercial insurance companies develop geriatric nursing insurance products purchased by the insured on a voluntary old-age care insurance contracts involved.

Its advantage is that it has a high level of protection, protection of comprehensive, targeted, defect can only meet revenue reaches a certain level of consumer demand, have insured health standards, and business processes in medium-high risk, high-paying, actuarial techniques and risk spreading ability. Germany and Japan’s elderly care insurance by law enforcement, the Fund is administered by the national, Enterprise, personal share, this model is a wide coverage and uninsured thresholds, easy to implement social equity objectives, the disadvantage is that the Government’s financial stress and the low level of protection.

These national long term care insurance for effective sharing of household and personal costs of long-term care, to a large extent, solves the problem of elderly care were great reference value.

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Affordable Health Insurance Has Concessions

Affordable health insurance will help to raise productivity, promote the development of production. Medical insurance is the social progress, the inevitable result of productive development. Conversely, the medical insurance system for establishing and perfecting will further promote social progress and production development. On the one hand, medical insurance protects you against the workers to make it work, so you can increase productivity, promote the development of production; on the other hand, it also guarantees the physical and mental health of workers, to guarantee the normal reproduction of the workforce.

Affordable health insurance is maintains the social stability the important safeguard. The medical insurance to the worker who is sick renders in the economical the assistance, is helpful in eliminating the social astatic factor which, because disease brings, is adjusts the social relations and the society contradictory important social mechanism.

Affordable health insurance is promotes the social civilization and the progress important means. The medical insurance and the social cooperation altogether Jinan’s social system, through in insures between the human to share disease expense risk, manifested “one place is in difficulty, eight side supports” the new social relations, were advantageous to the promotion society civilization and the progress.

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