Abstract: By calculating the long-term care needs of urban and rural residents and constructing an actuarial model of medical insurance, it is found that the establishment of long-term care insurance system relying on urban and rural residents' medical insurance will increase the deficit of medical insurance funds for urban and rural residents, so the proportion of medical insurance fund expenditure in the financing of long-term care insurance should not exceed 20%, but the operation of the system can be maintained by means of financial subsidies. In this mode, the maximum financial burden ratio does not exceed 4.67%. The establishment of long-term care insurance system based on urban employees' medical insurance will threaten the safety of the staff's medical insurance pooling fund, which should be carefully adopted under the current medical insurance system.

Key words: relying on medical insurance, long-term care insurance, medical insurance fund, actuarial balance