我国老年长期照护保险筹资、补偿水平优化设计研究——兼论老年照护保险框架设定

发布时间：2018-06-12 10:57

本文选题：老年社会长期照护保险 + 筹资　；参考：《河北大学学报(哲学社会科学版)》2017年05期

【摘要】：虽然我国部分地区开展了老年长期照护保险试点工作,但是,如何确定科学的筹资、补偿水平已成为阻碍各地老年长期照护保险试点的核心问题,也是国家层面长照制度探索的核心难题。在老年失能人口预测、老年失能人口照护服务需求评估基础上,结合老年长期社会照护保险框架设计,包括照护目标人群、报销比例、政府个人分担比例、长时期年度均衡等,综合、均衡测算筹资水平和待遇水平。结果发现,当政府与个人筹资比例为5∶5、补偿报销比例为90%、保障重度失能老年人基本照护服务需求时,个人缴费占可支配收入的均衡比例区间为0.12%~0.33%,财政补贴占财政支出的均衡比例区间为0.17%~0.47%;即使将常规失能老人都进行保障,相应的均衡比例区间分别为0.24%~0.68%,和0.34%~0.96%,方案负担较轻、制度可持续性强。在研究结论基础上,进一步提出了整合照护资源、完善照护保险成本控制等建议。
[Abstract]:Although some regions of our country have carried out the pilot work of long-term care insurance for the elderly, how to determine the scientific financing and the compensation level has become the core problem that hinders the pilot projects of the long-term care insurance for the elderly in various places. Also is the national level long-term light system exploration core difficult problem. On the basis of the prediction of the elderly disabled population and the assessment of the care needs of the elderly disabled population, combined with the design of the long-term social care insurance framework for the elderly, including the care target population, the reimbursement ratio, the government individual share ratio, the long-term annual equilibrium, etc. Comprehensive, balanced measurement of financing level and treatment level. The results show that when the ratio of government to individual financing is 5: 5, and the proportion of compensation and reimbursement is 90, the demand for basic care services for severely disabled elderly people is guaranteed. The equilibrium ratio of individual contributions to disposable income is 0.12 / 0.33, and the equilibrium ratio of financial subsidies to financial expenditure is 0.17 and 0.47; even if the elderly with conventional disability are protected, the corresponding equilibrium ratio ranges are 0.240.68 and 0.34 / 0.96.The plan is less burdensome. Strong institutional sustainability. On the basis of the conclusion, the author puts forward some suggestions such as integrating care resources and perfecting the cost control of care insurance.
【作者单位】：华北电力大学人文与社会科学学院;美国罗格斯大学华民研究中心;
【基金】：河北省社会科学基金项目“需求视角下河北省老年长期护理保险制度设计”(HB17GL066)
【分类号】：D669.6;F842.6

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