Abstract: With rapid population ageing, family structure miniaturization and increasing care cost, the elderly long-term care risk appears gradually, so it is an urgent need to build up long-term care insurance system to spread this risk. However, due to different conditions and environment, the long-term care insurance which runs maturely in the developed countries meets a lot of bottlenecks in China; not only the insurance companies which offer this kind of insurance can be counted on one’s fingers, but also the products they launched are seldom inquired. Therefore, starting from the inner motivation of the development of long-term care insurance in China, this article explores the risks and difficulties in lauching the long-term care insurance, and puts forward several ideas about the coverage redesign. It aims to break through the shackles hindering the development and also to provide some reference to both sides of supply and demand.

Key words: aging; long-term care insurance; coverage design