The Effect of Long-term Care Insurance on the Health of Middle-aged and Elderly People

doi:10.19546/j.issn.1674-3830.2023.4.011

China Health Insurance ›› 2023, Vol. 0 ›› Issue (4) : 74-80. DOI: 10.19546/j.issn.1674-3830.2023.4.011

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The Effect of Long-term Care Insurance on the Health of Middle-aged and Elderly People

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Abstract

Establishing the long-term care insurance system is crucial to address the growing nursing demands associated with population aging. This study utilizes the China Health and Retirement Longitudinal Study (CHARLS) as a foundation for empirical research on the effects of long-term care insurance policies on the health status of middle-aged and elderly populations, employing the differences-in-differences method. The results indicated that the experimental group experienced a 7.83% enhancement in health status compared to the control group after implementing the long-term care insurance policies. After introducing a series of control variables and controlling for individual and time fixed effects, the policy effect was 6.94% (P<0.01), showing a significant health effect. Additionally, the health advantages of long-term care insurance vary significantly, with low-income households experiencing more pronounced improvements relative to their middle-income counterparts. These empirical findings have practical implications for expanding the long-term care insurance pilots and improving the benefit design.

Key words

long-term care insurance / health / differences-in-differences / CHARLS

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The Effect of Long-term Care Insurance on the Health of Middle-aged and Elderly People[J]. China Health Insurance. 2023, 0(4): 74-80 https://doi.org/10.19546/j.issn.1674-3830.2023.4.011

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