我国商业性长期护理保险产品:现状、问题与优化建议

发布时间：2018-03-06 10:15

本文选题：养老金融　切入点：健康保险　出处：《南方金融》2017年08期 　论文类型：期刊论文

【摘要】：发展商业性长期护理保险,不但可以为需要护理的老年人群提供长期护理保障,而且能够有效减轻家庭成员护理老人的负担,是完善养老金融服务体系、应对人口老龄化挑战的客观需要。目前,我国商业性长期护理保险产品种类较多、缴费方式灵活、保险期限以长期为主、保单具有保费豁免条款、投保人享有保证续保权。但是,商业性长期护理保险在发展中也存在着投保年龄上限设置偏低、保险费率普遍偏高、给付方式单一、保单缺乏通货膨胀保护条款、长期护理状态的分级与评估标准不统一等问题。为促进我国商业性长期护理保险产品健康发展,建议适当提高投保年龄上限以满足老年人群的护理需求,改进保险给付方式以满足被保险人多元化护理需求,与住房反向抵押相结合以减轻投保人保费支付的负担,强化税收政策支持以减轻投保人保费支付的压力,增加通货膨胀保护条款以保证被保险人护理的质量,完善护理状态评估体系以保护保险双方的合法利益。
[Abstract]:The development of commercial long-term care insurance can not only provide long-term care protection for the elderly who need care, but also effectively lighten the burden on family members to care for the elderly. It is necessary to improve the old-age financial service system. At present, there are many kinds of commercial long-term care insurance products in our country, the payment method is flexible, the insurance period is mainly long-term, the insurance policy has the insurance premium exemption clause. However, in the development of commercial long-term care insurance, the upper limit of insurance age is on the low side, the insurance rate is generally on the high side, the mode of payment is single, and the insurance policy lacks the inflation protection clause. In order to promote the healthy development of commercial long-term care insurance products in China, it is suggested that the upper limit of the insured age should be raised appropriately to meet the nursing needs of the elderly. To improve the way of insurance payment to meet the diversified nursing needs of the insured, to combine with the reverse mortgage of housing to reduce the burden of insurance premium payment, and to strengthen the tax policy support to reduce the pressure on the insured to pay the premium. Inflation protection clauses are added to ensure the quality of the insured's care, and the evaluation system of nursing status is improved to protect the legitimate interests of both parties.
【作者单位】：河北广播电视大学;河北经贸大学;
【分类号】：F842.6

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