我国长期护理保险经营模式研究

发布时间：2018-05-13 16:01

本文选题：长期护理保险 + 经营模式　；参考：《广东财经大学》2013年硕士论文

【摘要】：随着经济水平和医疗技术的改善，我国人口的平均寿命从2000年的71.4上升到2010年的78.43岁。寿命的延长意味着人在老年潜在的长期护理总费用的增加和社会对长期护理保险需求的增长。然而，我国长期护理保险仍处于发展的初步阶段，相较于发达国家的经营主体多元化、医保合作、产品多样化等多种经营模式而言，我国的长期护理保险的经营模式比较落后，制约了长期护理保险的发展。另一方面，我国和其他国家在医疗保障体系及经济水平等方面有很多不同之处，在借鉴国外长期护理保险经营模式上存在一定的局限性。如何合适的经验模式打开长期护理保险的困局已成为保险人迫切需要解决的难题。本文首先介绍长期护理保险及其在我国发展现状，，重点分析保险公司在经营长期护理保险中存在的问题，借鉴发达国家和地区对长期护理保险经营的经验，结合我国实际情况，在风险控制、产品设计、投资与长期护理相关的产业链等方面，试图提出可行和有效的建议，以期能给保险公司在经营长期护理保险模式上提供有益的参考。
[Abstract]:With the improvement of economic and medical technology, the average life span of China's population has risen from 71.4 in 2000 to 78.43 in 2010. The extension of life expectancy means the increase in the total cost of long-term care for the elderly and the increase in the demand for long-term care insurance in the society. However, the long-term care insurance of our country is still in the initial stage of development. Compared to the diversified business models of developed countries, medical insurance cooperation and product diversification, the management mode of long-term care insurance in China is relatively backward and restricts the development of long-term care insurance. On the other hand, there are many differences between China and other countries in the medical security system and economic level. There are some limitations on foreign long-term nursing insurance management model. How to open the predicament of long-term nursing insurance with appropriate experience model has become an urgent problem for the insurer to solve.
This article first introduces the long-term care insurance and its development status in China. It focuses on the analysis of the problems existing in the long-term care insurance of the insurance companies, drawing on the experience of the long term nursing insurance in the developed countries and regions, combining with the actual situation of our country, in the risk control, product design, investment and long-term care related industries chain. In order to provide useful reference for insurance companies in the management of long-term care insurance, we try to put forward feasible and effective suggestions.

【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.684

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