医疗和养老保险与高龄失能老人长期照料支出——基于CLHLS数据的实证分析

发布时间：2018-06-25 02:05

本文选题：医疗保险 + 养老保险　；参考：《中国卫生政策研究》2017年01期

【摘要】：我国尚未建立全国性的长期护理保险制度,老年人的长期照料费用主要由家庭承担,老年人拥有的医疗和养老保障是否影响其长期照料服务利用尚不清楚。利用2011年中国老年健康长寿调查(CLHLS)数据,构建两部模型,分析医疗与养老保险对我国城乡高龄失能老人长期照料支出的影响。研究结果表明,我国城镇高龄老人的长期照料支出显著高于农村高龄老人。公费医疗保险、新农合和养老保险对高龄老人长期照料支出有显著影响,且存在城乡差异。城镇高龄老人享有的医疗和养老保险既影响长期照料支出发生与否,又影响长期照料支出的多寡;农村高龄老人享有的医疗和养老保险仅对其是否发生长期照料支出有影响,对支出数量的影响不显著。建议通过加大医疗和养老保障强度,建立长期护理保险制度,减轻高龄老人家庭长期照料经济负担。
[Abstract]:China has not established a national long-term care insurance system, the long-term care costs of the elderly are mainly borne by the family, and it is not clear whether the medical care and old-age security owned by the elderly will affect the utilization of long-term care services. Based on the data of China elderly Health and Longevity Survey (CLHLS) in 2011, two models were constructed to analyze the effects of medical treatment and old-age insurance on long-term care expenditure of elderly disabled elderly in urban and rural areas in China. The results show that the long-term care expenditure of the elderly in cities and towns is significantly higher than that in the rural areas. Public medical insurance, new rural cooperation and old-age insurance have significant influence on the long-term care expenditure of the elderly, and there is a difference between urban and rural areas. The medical care and old-age insurance enjoyed by the elderly in cities and towns not only affects the long-term care expenditure, but also affects the amount of the long-term care expenditure; the medical treatment and old-age insurance enjoyed by the elderly in rural areas only have an impact on whether long-term care expenditure is incurred or not. The effect on the amount of expenditure is not significant. It is suggested that the long-term nursing insurance system should be set up through increasing the intensity of medical treatment and old-age security, so as to lighten the economic burden of long-term care for elderly families.
【作者单位】：广东财经大学经济贸易学院;
【基金】：国家自然科学基金(71503054)
【分类号】：R197.1;F842.684

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