Population aging is a global problem and has become a new national condition of China in the 21st century. Faced with the increasing aging of the population, how to ensure the quality of life of the growing elderly population has become a hot issue of the times. Long-term care insurance has been recognized as an effective tool to effectively guarantee the quality of life of the elderly by transferring the risk that the elderly can not take care of themselves to insurance companies in advance and providing professional nursing services. Therefore, studying the operation mechanism of long-term care insurance, investigating the status quo of long-term care insurance in pilot areas of China, and finding out the problems faced by long-term care insurance are of great significance for improving the development of long-term care insurance and exploring the insurance system for effectively serving the elderly. Firstly, based on the current situation of population aging in China, this paper shows that long-term care insurance is an effective tool for population aging. In the future, the elderly population will increase sharply, but the family foundation that can effectively provide old-age services for the elderly is weak, so providing health care services for the elderly will be the next development wave. Long-term care insurance, as the most professional insurance in the field of life care for the elderly, will be an indispensable "wave" in this development tide. The operation mode and professional performance of long-term care insurance can ensure that it can provide quality of life for the elderly. Secondly, to investigate the operation status of long-term care insurance in pilot cities in China, we mainly investigated the mutual insurance of disabled care in Haidian District of Beijing and the long-term care insurance in Shijingshan District. To investigate the public's views and recognition of long-term care insurance, and find out the problems that hinder the development and promotion of long-term care insurance. Finally, in view of the current situation of long-term care insurance in Haidian District and Shijingshan District, and in light of China's specific national conditions, this paper puts forward relevant suggestions for the development of long-term care insurance: to promote the development of long-term care insurance by adopting various modes, we should vigorously promote the social nature of long-term care insurance, but also pay attention to the complementary role of commercial nature of long-term care insurance; insurance companies should pay attention to trees; Establish a good public image, tap potential customers, innovate product services; establish a multi-level long-term care service system of family, community and institution; increase the training of professional nurses; establish an effective monitoring mechanism, etc.
