论我国护理保险之制度构建

发布时间：2018-04-20 19:41

本文选题：养老 + 护理保险　；参考：《天津师范大学》2017年硕士论文

【摘要】：中国是人口大国,目前"老龄化"问题日趋严重。这一趋势已经带来老年人生活保障等各方面需求的增加,亟须相关老年人保障制度的建立来满足特殊群体的护理需求。本文在查阅大量相关材料的基础上,对国外先进制度进行了比较分析,从模式选择、适用条件、保费承担、保险给付及护理保险的法律监督等诸多方面对我国的保险护理展开系统而深入的探讨,以期提出构建我国老年人护理保险法律制度的基本思路和具体策略。论文一共分为六部分。第一部分,护理保险制度的基础分析。对护理保险的内涵进行了界定,从人口老龄化以及失独家庭的困境两个方面阐释了护理保险制度建构的必要性,并对护理保险制度产生与发展的情况作了归纳与梳理。第二部分,我国护理保险的模式选择。通过借鉴发达国家已经成熟的发展模式,结合我国经济发展水平与现有保障制度水平,应把我国的护理保险制度设计成一个覆盖范围广且能够保证护理服务质量的社会保险模式,并通过商业保险模式的补充丰富我国的保障制度。第三部分,我国护理保险适用条件的法律界定。从适用范围、年龄、身体状况等角度来分析我国护理保险适用的主体范围和具体条件,通过与发达国家的相关制度进行对比,对我国护理保险适用条件进行法律界定。第四部分,我国护理保险费用的保费承担。着重探讨了我国护理保险费用的承担主体及筹资模式。通过与其他国家已有制度的比较,分析我国保费承担的主体各自承担的具体比例,通过对现收现付制、完全积累制、以及部分积累制三种筹资模式的比较,选择适应我国国情的筹资模式。第五部分,我国护理保险金给付的法律规制。结合我国具体国情与其他国家的经验,对我国护理保险的给付主体以及给付方式进行了具体的制度设计,以期使我国护理保险服务在实践中能够做到更精准、更细化。第六部分,我国护理保险的法律监督。通过明确对申请主体、保费承担主体、以及护理服务机构各个主体的工作环节应该如何监督,对建立健全护理保险制度的具体实施提供保障。
[Abstract]:China is a country with a large population, and the problem of aging is becoming more and more serious. This trend has brought about an increase in the needs of the elderly in various aspects such as life security and so on. It is urgent to establish a security system for the elderly in order to meet the nursing needs of special groups. On the basis of consulting a large number of related materials, this paper makes a comparative analysis of the advanced systems in foreign countries, from the mode selection, the applicable conditions, the premium commitment, In order to put forward the basic thinking and concrete strategy of constructing the legal system of nursing insurance for the elderly in our country, the author makes a systematic and in-depth discussion on the insurance care in our country from many aspects, such as insurance payment and legal supervision of nursing insurance. The thesis is divided into six parts. The first part, the basic analysis of nursing insurance system. This paper defines the connotation of nursing insurance, explains the necessity of constructing nursing insurance system from the aspects of aging population and plight of families without independence, and sums up and combs the emergence and development of nursing insurance system. The second part, the mode choice of nursing insurance in our country. By drawing lessons from the mature development models of developed countries, combining the level of our country's economic development with the level of the existing security system, The nursing insurance system of our country should be designed as a social insurance model which covers a wide range and can guarantee the quality of nursing service, and enrich the security system of our country through the supplement of the commercial insurance model. The third part, the legal definition of the applicable conditions of nursing insurance in our country. This paper analyzes the main body scope and specific conditions of nursing insurance in our country from the perspective of applicable scope, age and physical condition, and defines the applicable conditions of nursing insurance in our country by comparing with the relevant systems in developed countries. The fourth part, the insurance premium of nursing insurance in our country. The main body and financing mode of nursing insurance expense in China were discussed emphatically. By comparing with the existing systems in other countries, the paper analyzes the specific proportion of the main body of premium undertaking in China, and compares the three financing modes of pay-as-you-go system, full accumulation system and partial accumulation system. Choose to adapt to the national conditions of China's funding model. The fifth part, our country nursing insurance gold payment legal regulation. Combined with the specific national conditions of our country and the experience of other countries, the system design of the main body and the way of payment of the nursing insurance in our country is carried out in order to make the nursing insurance service in our country more accurate and more detailed in practice. The sixth part, the legal supervision of nursing insurance in our country. How to supervise the main body of the application, the principal part of the insurance premium and the main body of the nursing service organization is defined to provide the guarantee for the establishment and improvement of the nursing insurance system.
【学位授予单位】：天津师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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